Home > Woodforest National Bank > Performance and Condition Ratios
Woodforest National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9293% | 695 |
| Cost of funding earning assets | 1.2687% | 2,606 |
| Net interest margin | 4.6607% | 498 |
| Noninterest income to average assets | 4.9400% | 126 |
| Noninterest expense to average assets | 6.4963% | 160 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 2.2048% | 334 |
| Return on assets (ROA) | 1.6039% | 831 |
| Pretax return on assets | 1.6039% | 1,220 |
| Return on Equity (ROE) | 19.1600% | 690 |
| Retained earnings to average equity (ytd only) | 4.9016% | 2,632 |
| Net charge-offs to loans | 0.6812% | 147 |
| Credit loss provision to net charge-offs | 97.6385% | 1,870 |
| Earnings coverage of net charge-offs (x) | 5.5900% | 2,519 |
| Efficiency ratio | 70.8611% | 1,777 |
| Assets per employee ($millions) | 1.9750% | 4,451 |
| Cash dividends to net income (ytd only)* | 74.4209% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 1,986 |
| Loan loss allowance to noncurrent loans | 135.3595% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7955% | 643 |
| Noncurrent loans to loans | 0.9275% | 803 |
| Net loans and leases to total assets | 72.2500% | 1,551 |
| Net loans and leases to deposits | 81.1205% | 2,021 |
| Net loans and leases to core deposits | 81.8958% | 2,590 |
| Total domestic deposits to total assets | 89.0700% | 1,046 |
| Equity capital to assets | 8.9690% | 2,696 |
| Core capital (leverage) ratio | 8.9783% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9502% | 2,824 |
| Memoranda: | ||
| Average total assets | $9,215,634,600 | 172 |
| Average earning assets | $8,364,464,600 | 167 |
| Average equity | $771,335,600 | 201 |
| Average total loans | $6,464,616,600 | 168 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7969% | 693 |
| Cost of funding earning assets | 1.1229% | 2,675 |
| Net interest margin | 4.6740% | 477 |
| Noninterest income to average assets | 4.9300% | 127 |
| Noninterest expense to average assets | 6.5439% | 161 |
| Loan and lease loss provision to assets | 0.4700% | 167 |
| Net operating income to assets | 2.1598% | 397 |
| Return on assets (ROA) | 1.9703% | 512 |
| Pretax return on assets | 1.9703% | 779 |
| Return on Equity (ROE) | 23.9600% | 440 |
| Retained earnings to average equity (ytd only) | 8.7971% | 1,742 |
| Net charge-offs to loans | 0.5183% | 166 |
| Credit loss provision to net charge-offs | 130.2396% | 1,419 |
| Earnings coverage of net charge-offs (x) | 7.3065% | 2,243 |
| Efficiency ratio | 71.3451% | 1,636 |
| Assets per employee ($millions) | 2.0039% | 4,473 |
| Cash dividends to net income (ytd only)* | 63.2860% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,444 |
| Loan loss allowance to noncurrent loans | 287.6892% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 1,217 |
| Noncurrent loans to loans | 0.4866% | 1,607 |
| Net loans and leases to total assets | 69.9800% | 1,828 |
| Net loans and leases to deposits | 81.3041% | 1,956 |
| Net loans and leases to core deposits | 81.8256% | 2,481 |
| Total domestic deposits to total assets | 86.0800% | 2,162 |
| Equity capital to assets | 8.3940% | 2,796 |
| Core capital (leverage) ratio | 9.1695% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2389% | 2,776 |
| Memoranda: | ||
| Average total assets | $9,249,280,750 | 173 |
| Average earning assets | $8,389,737,500 | 166 |
| Average equity | $760,548,750 | 201 |
| Average total loans | $6,419,639,000 | 170 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6778% | 658 |
| Cost of funding earning assets | 0.9489% | 2,776 |
| Net interest margin | 4.7289% | 435 |
| Noninterest income to average assets | 5.0700% | 119 |
| Noninterest expense to average assets | 6.5742% | 159 |
| Loan and lease loss provision to assets | 0.3800% | 226 |
| Net operating income to assets | 2.4059% | 269 |
| Return on assets (ROA) | 2.1215% | 386 |
| Pretax return on assets | 2.1215% | 600 |
| Return on Equity (ROE) | 25.9800% | 334 |
| Retained earnings to average equity (ytd only) | 10.7481% | 1,232 |
| Net charge-offs to loans | 0.3552% | 238 |
| Credit loss provision to net charge-offs | 154.7166% | 1,179 |
| Earnings coverage of net charge-offs (x) | 11.3799% | 1,964 |
| Efficiency ratio | 70.2476% | 1,745 |
| Assets per employee ($millions) | 2.0008% | 4,504 |
| Cash dividends to net income (ytd only)* | 58.6304% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 1,525 |
| Loan loss allowance to noncurrent loans | 148.7626% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 793 |
| Noncurrent loans to loans | 0.9433% | 808 |
| Net loans and leases to total assets | 68.8400% | 1,865 |
| Net loans and leases to deposits | 79.9260% | 1,989 |
| Net loans and leases to core deposits | 80.1965% | 2,459 |
| Total domestic deposits to total assets | 86.1300% | 2,193 |
| Equity capital to assets | 8.3703% | 2,973 |
| Core capital (leverage) ratio | 8.9168% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2266% | 2,818 |
| Memoranda: | ||
| Average total assets | $9,245,625,000 | 166 |
| Average earning assets | $8,385,629,000 | 162 |
| Average equity | $754,964,333 | 199 |
| Average total loans | $6,368,648,667 | 165 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5414% | 581 |
| Cost of funding earning assets | 0.7231% | 2,979 |
| Net interest margin | 4.8183% | 360 |
| Noninterest income to average assets | 4.9400% | 128 |
| Noninterest expense to average assets | 6.5335% | 160 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 2.4591% | 255 |
| Return on assets (ROA) | 2.3759% | 283 |
| Pretax return on assets | 2.3759% | 427 |
| Return on Equity (ROE) | 29.4700% | 248 |
| Retained earnings to average equity (ytd only) | 18.7317% | 454 |
| Net charge-offs to loans | 0.3520% | 227 |
| Credit loss provision to net charge-offs | 125.8088% | 1,015 |
| Earnings coverage of net charge-offs (x) | 11.4702% | 1,637 |
| Efficiency ratio | 70.2866% | 1,721 |
| Assets per employee ($millions) | 2.0418% | 4,572 |
| Cash dividends to net income (ytd only)* | 36.4305% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 1,892 |
| Loan loss allowance to noncurrent loans | 116.7006% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 601 |
| Noncurrent loans to loans | 1.1403% | 619 |
| Net loans and leases to total assets | 68.1900% | 1,815 |
| Net loans and leases to deposits | 76.0071% | 2,116 |
| Net loans and leases to core deposits | 76.1559% | 2,518 |
| Total domestic deposits to total assets | 89.7200% | 1,258 |
| Equity capital to assets | 8.1777% | 3,123 |
| Core capital (leverage) ratio | 8.9323% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9295% | 2,955 |
| Memoranda: | ||
| Average total assets | $9,242,473,500 | 174 |
| Average earning assets | $8,362,988,500 | 168 |
| Average equity | $745,238,000 | 206 |
| Average total loans | $6,323,108,500 | 172 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 1,524 |
| Cost of funding earning assets | 0.1987% | 3,770 |
| Net interest margin | 3.8779% | 1,009 |
| Noninterest income to average assets | 5.2100% | 128 |
| Noninterest expense to average assets | 6.0989% | 160 |
| Loan and lease loss provision to assets | 0.4300% | 153 |
| Net operating income to assets | 2.2508% | 198 |
| Return on assets (ROA) | 2.1022% | 237 |
| Pretax return on assets | 2.1022% | 377 |
| Return on Equity (ROE) | 26.8000% | 157 |
| Retained earnings to average equity (ytd only) | 8.0597% | 1,807 |
| Net charge-offs to loans | 0.4652% | 164 |
| Credit loss provision to net charge-offs | 143.3929% | 1,333 |
| Earnings coverage of net charge-offs (x) | 8.9229% | 2,243 |
| Efficiency ratio | 69.4582% | 1,759 |
| Assets per employee ($millions) | 2.0185% | 4,606 |
| Cash dividends to net income (ytd only)* | 69.9213% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 1,521 |
| Loan loss allowance to noncurrent loans | 119.2590% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.7982% | 592 |
| Noncurrent loans to loans | 1.1700% | 603 |
| Net loans and leases to total assets | 66.7600% | 1,954 |
| Net loans and leases to deposits | 73.5941% | 2,285 |
| Net loans and leases to core deposits | 73.7407% | 2,585 |
| Total domestic deposits to total assets | 90.7100% | 1,054 |
| Equity capital to assets | 7.9462% | 3,094 |
| Core capital (leverage) ratio | 8.8783% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7797% | 2,996 |
| Memoranda: | ||
| Average total assets | $9,049,397,600 | 175 |
| Average earning assets | $8,330,812,600 | 168 |
| Average equity | $709,948,400 | 212 |
| Average total loans | $5,846,035,200 | 174 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 1,912 |
| Cost of funding earning assets | 0.1325% | 4,012 |
| Net interest margin | 3.6115% | 1,366 |
| Noninterest income to average assets | 5.3000% | 133 |
| Noninterest expense to average assets | 6.0387% | 164 |
| Loan and lease loss provision to assets | 0.4400% | 121 |
| Net operating income to assets | 2.1532% | 225 |
| Return on assets (ROA) | 2.1532% | 224 |
| Pretax return on assets | 2.1532% | 347 |
| Return on Equity (ROE) | 27.5400% | 126 |
| Retained earnings to average equity (ytd only) | 9.5859% | 1,462 |
| Net charge-offs to loans | 0.5120% | 124 |
| Credit loss provision to net charge-offs | 135.6423% | 1,163 |
| Earnings coverage of net charge-offs (x) | 7.9465% | 2,057 |
| Efficiency ratio | 69.9324% | 1,771 |
| Assets per employee ($millions) | 1.9817% | 4,643 |
| Cash dividends to net income (ytd only)* | 65.1875% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,639 |
| Loan loss allowance to noncurrent loans | 106.6449% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 546 |
| Noncurrent loans to loans | 1.3042% | 559 |
| Net loans and leases to total assets | 66.1700% | 1,870 |
| Net loans and leases to deposits | 72.4231% | 2,169 |
| Net loans and leases to core deposits | 72.5806% | 2,442 |
| Total domestic deposits to total assets | 91.3700% | 1,093 |
| Equity capital to assets | 8.0050% | 2,895 |
| Core capital (leverage) ratio | 8.8927% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2421% | 2,999 |
| Memoranda: | ||
| Average total assets | $9,025,343,750 | 176 |
| Average earning assets | $8,346,706,000 | 169 |
| Average equity | $705,752,750 | 211 |
| Average total loans | $5,759,595,000 | 174 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4165% | 2,381 |
| Cost of funding earning assets | 0.1079% | 4,104 |
| Net interest margin | 3.3086% | 1,883 |
| Noninterest income to average assets | 5.4117% | 91 |
| Noninterest expense to average assets | 5.9247% | 130 |
| Loan and lease loss provision to assets | 0.3477% | 174 |
| Net operating income to assets | 2.2071% | 158 |
| Return on assets (ROA) | 2.2071% | 159 |
| Pretax return on assets | 2.2071% | 243 |
| Return on Equity (ROE) | 28.4435% | 69 |
| Retained earnings to average equity (ytd only) | 1.4974% | 3,882 |
| Net charge-offs to loans | 0.1438% | 452 |
| Credit loss provision to net charge-offs | 385.3659% | 709 |
| Earnings coverage of net charge-offs (x) | 28.3156% | 1,414 |
| Efficiency ratio | 69.8709% | 1,979 |
| Assets per employee ($millions) | 2.0883% | 4,691 |
| Cash dividends to net income (ytd only)* | 94.7355% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 1,565 |
| Loan loss allowance to noncurrent loans | 128.7855% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 729 |
| Noncurrent loans to loans | 1.1244% | 726 |
| Net loans and leases to total assets | 63.5540% | 1,960 |
| Net loans and leases to deposits | 70.3340% | 2,169 |
| Net loans and leases to core deposits | 70.5112% | 2,453 |
| Total domestic deposits to total assets | 90.3603% | 1,541 |
| Equity capital to assets | 7.2974% | 3,601 |
| Core capital (leverage) ratio | 8.0794% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6694% | 3,053 |
| Memoranda: | ||
| Average total assets | $9,088,252,000 | 175 |
| Average earning assets | $8,426,787,667 | 167 |
| Average equity | $705,214,667 | 208 |
| Average total loans | $5,702,853,667 | 167 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1265% | 2,886 |
| Cost of funding earning assets | 0.0947% | 4,202 |
| Net interest margin | 3.0318% | 2,394 |
| Noninterest income to average assets | 5.3636% | 98 |
| Noninterest expense to average assets | 5.8597% | 129 |
| Loan and lease loss provision to assets | 0.2663% | 237 |
| Net operating income to assets | 2.0537% | 202 |
| Return on assets (ROA) | 2.0537% | 200 |
| Pretax return on assets | 2.0537% | 320 |
| Return on Equity (ROE) | 25.6822% | 91 |
| Retained earnings to average equity (ytd only) | -2.0781% | 4,252 |
| Net charge-offs to loans | 0.2442% | 255 |
| Credit loss provision to net charge-offs | 176.2632% | 815 |
| Earnings coverage of net charge-offs (x) | 15.3555% | 1,353 |
| Efficiency ratio | 71.6368% | 2,023 |
| Assets per employee ($millions) | 2.1318% | 4,717 |
| Cash dividends to net income (ytd only)* | 108.0916% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 1,978 |
| Loan loss allowance to noncurrent loans | 115.2397% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7211% | 778 |
| Noncurrent loans to loans | 1.1996% | 743 |
| Net loans and leases to total assets | 58.6528% | 2,221 |
| Net loans and leases to deposits | 63.6751% | 2,558 |
| Net loans and leases to core deposits | 63.8258% | 2,810 |
| Total domestic deposits to total assets | 92.1125% | 534 |
| Equity capital to assets | 7.5126% | 3,925 |
| Core capital (leverage) ratio | 8.0890% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0238% | 3,047 |
| Memoranda: | ||
| Average total assets | $9,012,000,000 | 176 |
| Average earning assets | $8,370,664,000 | 171 |
| Average equity | $720,653,500 | 210 |
| Average total loans | $5,574,696,500 | 170 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0002% | 3,870 |
| Cost of funding earning assets | 0.1090% | 4,314 |
| Net interest margin | 2.8911% | 3,467 |
| Noninterest income to average assets | 5.4491% | 102 |
| Noninterest expense to average assets | 5.7494% | 134 |
| Loan and lease loss provision to assets | 0.1560% | 764 |
| Net operating income to assets | 2.2038% | 241 |
| Return on assets (ROA) | 2.2010% | 253 |
| Pretax return on assets | 2.2010% | 410 |
| Return on Equity (ROE) | 29.2713% | 75 |
| Retained earnings to average equity (ytd only) | 14.8132% | 240 |
| Net charge-offs to loans | 0.1568% | 614 |
| Credit loss provision to net charge-offs | 178.2364% | 1,376 |
| Earnings coverage of net charge-offs (x) | 26.9576% | 1,689 |
| Efficiency ratio | 70.9000% | 1,628 |
| Assets per employee ($millions) | 1.9742% | 4,769 |
| Cash dividends to net income (ytd only)* | 49.3936% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,184 |
| Loan loss allowance to noncurrent loans | 348.9941% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 2,278 |
| Noncurrent loans to loans | 0.3840% | 2,215 |
| Net loans and leases to total assets | 63.5864% | 1,753 |
| Net loans and leases to deposits | 69.8451% | 2,148 |
| Net loans and leases to core deposits | 70.0289% | 2,441 |
| Total domestic deposits to total assets | 91.0391% | 483 |
| Equity capital to assets | 8.5228% | 4,037 |
| Core capital (leverage) ratio | 8.0236% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3806% | 3,005 |
| Memoranda: | ||
| Average total assets | $9,133,323,600 | 175 |
| Average earning assets | $8,403,344,000 | 168 |
| Average equity | $686,767,400 | 219 |
| Average total loans | $5,100,405,800 | 187 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9302% | 4,119 |
| Cost of funding earning assets | 0.1158% | 4,382 |
| Net interest margin | 2.8144% | 3,751 |
| Noninterest income to average assets | 5.4108% | 108 |
| Noninterest expense to average assets | 5.6555% | 138 |
| Loan and lease loss provision to assets | 0.1188% | 997 |
| Net operating income to assets | 2.2195% | 312 |
| Return on assets (ROA) | 2.2159% | 334 |
| Pretax return on assets | 2.2159% | 529 |
| Return on Equity (ROE) | 30.4164% | 88 |
| Retained earnings to average equity (ytd only) | 20.3447% | 118 |
| Net charge-offs to loans | 0.0892% | 807 |
| Credit loss provision to net charge-offs | 247.3763% | 1,104 |
| Earnings coverage of net charge-offs (x) | 48.6852% | 1,259 |
| Efficiency ratio | 70.7479% | 1,521 |
| Assets per employee ($millions) | 2.1799% | 4,830 |
| Cash dividends to net income (ytd only)* | 33.1128% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 1,885 |
| Loan loss allowance to noncurrent loans | 132.6176% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 1,303 |
| Noncurrent loans to loans | 1.0791% | 1,047 |
| Net loans and leases to total assets | 52.9155% | 3,094 |
| Net loans and leases to deposits | 57.6840% | 3,435 |
| Net loans and leases to core deposits | 57.8915% | 3,638 |
| Total domestic deposits to total assets | 91.7335% | 183 |
| Equity capital to assets | 7.7736% | 4,628 |
| Core capital (leverage) ratio | 7.7420% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0252% | 2,961 |
| Memoranda: | ||
| Average total assets | $9,257,816,000 | 172 |
| Average earning assets | $8,496,501,250 | 166 |
| Average equity | $674,465,750 | 223 |
| Average total loans | $4,984,131,750 | 191 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9566% | 4,126 |
| Cost of funding earning assets | 0.1240% | 4,406 |
| Net interest margin | 2.8326% | 3,716 |
| Noninterest income to average assets | 5.5199% | 102 |
| Noninterest expense to average assets | 5.7276% | 138 |
| Loan and lease loss provision to assets | 0.1800% | 633 |
| Net operating income to assets | 2.1965% | 341 |
| Return on assets (ROA) | 2.1911% | 365 |
| Pretax return on assets | 2.1911% | 583 |
| Return on Equity (ROE) | 30.7906% | 88 |
| Retained earnings to average equity (ytd only) | 20.9780% | 130 |
| Net charge-offs to loans | 0.1560% | 533 |
| Credit loss provision to net charge-offs | 214.1745% | 1,021 |
| Earnings coverage of net charge-offs (x) | 28.2739% | 1,341 |
| Efficiency ratio | 70.6748% | 1,564 |
| Assets per employee ($millions) | 2.2180% | 4,863 |
| Cash dividends to net income (ytd only)* | 31.8690% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 1,714 |
| Loan loss allowance to noncurrent loans | 199.0722% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 1,962 |
| Noncurrent loans to loans | 0.7350% | 1,618 |
| Net loans and leases to total assets | 51.7825% | 3,365 |
| Net loans and leases to deposits | 56.1704% | 3,698 |
| Net loans and leases to core deposits | 56.3687% | 3,867 |
| Total domestic deposits to total assets | 92.1882% | 93 |
| Equity capital to assets | 7.3408% | 4,780 |
| Core capital (leverage) ratio | 7.2337% | 4,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8700% | 2,981 |
| Memoranda: | ||
| Average total assets | $9,165,431,333 | 171 |
| Average earning assets | $8,361,942,000 | 170 |
| Average equity | $652,218,000 | 227 |
| Average total loans | $4,939,265,333 | 193 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0322% | 4,016 |
| Cost of funding earning assets | 0.1254% | 4,494 |
| Net interest margin | 2.9068% | 3,496 |
| Noninterest income to average assets | 5.4722% | 111 |
| Noninterest expense to average assets | 5.7064% | 132 |
| Loan and lease loss provision to assets | 0.3659% | 223 |
| Net operating income to assets | 2.0501% | 533 |
| Return on assets (ROA) | 2.0501% | 572 |
| Pretax return on assets | 2.0501% | 874 |
| Return on Equity (ROE) | 29.2945% | 151 |
| Retained earnings to average equity (ytd only) | 14.0832% | 747 |
| Net charge-offs to loans | 0.3085% | 275 |
| Credit loss provision to net charge-offs | 217.2768% | 866 |
| Earnings coverage of net charge-offs (x) | 14.3455% | 1,364 |
| Efficiency ratio | 70.2550% | 1,668 |
| Assets per employee ($millions) | 2.2496% | 4,891 |
| Cash dividends to net income (ytd only)* | 51.9256% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 1,626 |
| Loan loss allowance to noncurrent loans | 203.0177% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 2,231 |
| Noncurrent loans to loans | 0.7364% | 1,758 |
| Net loans and leases to total assets | 48.9749% | 3,711 |
| Net loans and leases to deposits | 52.4587% | 4,024 |
| Net loans and leases to core deposits | 52.6449% | 4,164 |
| Total domestic deposits to total assets | 93.3590% | 21 |
| Equity capital to assets | 6.2763% | 4,919 |
| Core capital (leverage) ratio | 7.4231% | 4,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5332% | 3,006 |
| Memoranda: | ||
| Average total assets | $9,018,180,500 | 172 |
| Average earning assets | $8,221,834,500 | 169 |
| Average equity | $631,108,000 | 232 |
| Average total loans | $4,923,235,500 | 194 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4571% | 4,103 |
| Cost of funding earning assets | 0.2366% | 4,433 |
| Net interest margin | 3.2205% | 3,304 |
| Noninterest income to average assets | 5.9197% | 98 |
| Noninterest expense to average assets | 6.5987% | 113 |
| Loan and lease loss provision to assets | 0.6709% | 255 |
| Net operating income to assets | 1.5584% | 696 |
| Return on assets (ROA) | 1.6726% | 578 |
| Pretax return on assets | 1.6726% | 899 |
| Return on Equity (ROE) | 20.5524% | 208 |
| Retained earnings to average equity (ytd only) | 3.7451% | 2,954 |
| Net charge-offs to loans | 0.7174% | 206 |
| Credit loss provision to net charge-offs | 153.4016% | 2,403 |
| Earnings coverage of net charge-offs (x) | 5.0974% | 2,904 |
| Efficiency ratio | 74.7474% | 1,362 |
| Assets per employee ($millions) | 1.8555% | 4,930 |
| Cash dividends to net income (ytd only)* | 81.7776% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 2,095 |
| Loan loss allowance to noncurrent loans | 127.9781% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 1,534 |
| Noncurrent loans to loans | 1.0727% | 1,327 |
| Net loans and leases to total assets | 59.5530% | 2,914 |
| Net loans and leases to deposits | 64.9423% | 3,364 |
| Net loans and leases to core deposits | 65.1435% | 3,620 |
| Total domestic deposits to total assets | 91.7015% | 102 |
| Equity capital to assets | 7.8556% | 4,758 |
| Core capital (leverage) ratio | 7.7747% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5470% | 3,019 |
| Memoranda: | ||
| Average total assets | $7,676,398,200 | 180 |
| Average earning assets | $6,932,322,400 | 179 |
| Average equity | $624,729,800 | 224 |
| Average total loans | $4,679,863,400 | 199 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 4,075 |
| Cost of funding earning assets | 0.2690% | 4,436 |
| Net interest margin | 3.3057% | 3,166 |
| Noninterest income to average assets | 6.1786% | 91 |
| Noninterest expense to average assets | 6.8365% | 111 |
| Loan and lease loss provision to assets | 0.7786% | 239 |
| Net operating income to assets | 1.5393% | 834 |
| Return on assets (ROA) | 1.6269% | 753 |
| Pretax return on assets | 1.6269% | 1,113 |
| Return on Equity (ROE) | 19.8027% | 244 |
| Retained earnings to average equity (ytd only) | 2.0329% | 3,924 |
| Net charge-offs to loans | 0.9368% | 142 |
| Credit loss provision to net charge-offs | 135.9745% | 2,412 |
| Earnings coverage of net charge-offs (x) | 4.0479% | 2,858 |
| Efficiency ratio | 74.6798% | 1,341 |
| Assets per employee ($millions) | 1.8889% | 4,964 |
| Cash dividends to net income (ytd only)* | 89.7344% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,169 |
| Loan loss allowance to noncurrent loans | 174.4679% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 2,334 |
| Noncurrent loans to loans | 0.7435% | 1,947 |
| Net loans and leases to total assets | 56.1230% | 3,614 |
| Net loans and leases to deposits | 63.5427% | 3,828 |
| Net loans and leases to core deposits | 63.7522% | 4,019 |
| Total domestic deposits to total assets | 88.3233% | 1,049 |
| Equity capital to assets | 7.5546% | 4,844 |
| Core capital (leverage) ratio | 7.6253% | 4,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6303% | 3,001 |
| Memoranda: | ||
| Average total assets | $7,534,526,750 | 181 |
| Average earning assets | $6,782,802,000 | 179 |
| Average equity | $619,009,750 | 224 |
| Average total loans | $4,605,373,750 | 199 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 3,775 |
| Cost of funding earning assets | 0.3250% | 4,380 |
| Net interest margin | 3.5095% | 2,753 |
| Noninterest income to average assets | 6.1992% | 88 |
| Noninterest expense to average assets | 7.2613% | 104 |
| Loan and lease loss provision to assets | 0.6352% | 478 |
| Net operating income to assets | 1.4567% | 1,008 |
| Return on assets (ROA) | 1.6257% | 793 |
| Pretax return on assets | 1.6257% | 1,167 |
| Return on Equity (ROE) | 19.1898% | 289 |
| Retained earnings to average equity (ytd only) | -0.3703% | 4,377 |
| Net charge-offs to loans | 0.3845% | 410 |
| Credit loss provision to net charge-offs | 263.1579% | 1,714 |
| Earnings coverage of net charge-offs (x) | 8.6666% | 2,271 |
| Efficiency ratio | 77.6341% | 1,086 |
| Assets per employee ($millions) | 1.8080% | 5,002 |
| Cash dividends to net income (ytd only)* | 101.9299% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 1,778 |
| Loan loss allowance to noncurrent loans | 162.5921% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 2,279 |
| Noncurrent loans to loans | 0.8306% | 1,835 |
| Net loans and leases to total assets | 56.6750% | 3,633 |
| Net loans and leases to deposits | 64.1383% | 3,874 |
| Net loans and leases to core deposits | 64.3369% | 4,056 |
| Total domestic deposits to total assets | 88.3637% | 1,010 |
| Equity capital to assets | 7.5436% | 4,863 |
| Core capital (leverage) ratio | 7.6634% | 4,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7780% | 3,024 |
| Memoranda: | ||
| Average total assets | $7,241,700,667 | 182 |
| Average earning assets | $6,508,187,000 | 182 |
| Average equity | $613,491,333 | 225 |
| Average total loans | $4,545,936,667 | 197 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 3,764 |
| Cost of funding earning assets | 0.4529% | 4,142 |
| Net interest margin | 3.5540% | 2,808 |
| Noninterest income to average assets | 6.9409% | 76 |
| Noninterest expense to average assets | 8.2493% | 93 |
| Loan and lease loss provision to assets | 0.4182% | 724 |
| Net operating income to assets | 1.4706% | 834 |
| Return on assets (ROA) | 1.8361% | 425 |
| Pretax return on assets | 1.8361% | 648 |
| Return on Equity (ROE) | 20.2900% | 157 |
| Retained earnings to average equity (ytd only) | -4.4684% | 4,477 |
| Net charge-offs to loans | 0.1140% | 1,020 |
| Credit loss provision to net charge-offs | 555.1150% | 829 |
| Earnings coverage of net charge-offs (x) | 25.0706% | 1,294 |
| Efficiency ratio | 81.3693% | 1,013 |
| Assets per employee ($millions) | 1.4085% | 5,060 |
| Cash dividends to net income (ytd only)* | 122.0226% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,505 |
| Loan loss allowance to noncurrent loans | 173.4447% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.5163% | 2,446 |
| Noncurrent loans to loans | 0.7102% | 2,224 |
| Net loans and leases to total assets | 64.8218% | 2,966 |
| Net loans and leases to deposits | 71.6862% | 3,459 |
| Net loans and leases to core deposits | 71.9473% | 3,767 |
| Total domestic deposits to total assets | 90.4244% | 214 |
| Equity capital to assets | 8.7130% | 4,731 |
| Core capital (leverage) ratio | 8.9393% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7290% | 3,175 |
| Memoranda: | ||
| Average total assets | $6,695,028,000 | 190 |
| Average earning assets | $6,022,963,000 | 190 |
| Average equity | $605,854,500 | 228 |
| Average total loans | $4,424,626,500 | 200 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 3,182 |
| Cost of funding earning assets | 0.5524% | 3,863 |
| Net interest margin | 3.8702% | 2,273 |
| Noninterest income to average assets | 7.7365% | 75 |
| Noninterest expense to average assets | 8.8347% | 82 |
| Loan and lease loss provision to assets | 0.2029% | 1,003 |
| Net operating income to assets | 2.1686% | 235 |
| Return on assets (ROA) | 2.1428% | 265 |
| Pretax return on assets | 2.1428% | 431 |
| Return on Equity (ROE) | 22.9799% | 112 |
| Retained earnings to average equity (ytd only) | 7.0819% | 1,361 |
| Net charge-offs to loans | 0.3190% | 647 |
| Credit loss provision to net charge-offs | 93.9932% | 2,605 |
| Earnings coverage of net charge-offs (x) | 10.9840% | 2,528 |
| Efficiency ratio | 78.8372% | 1,052 |
| Assets per employee ($millions) | 1.2810% | 5,124 |
| Cash dividends to net income (ytd only)* | 69.1824% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 2,573 |
| Loan loss allowance to noncurrent loans | 1,016.9861% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 3,977 |
| Noncurrent loans to loans | 0.1155% | 4,071 |
| Net loans and leases to total assets | 65.7995% | 2,974 |
| Net loans and leases to deposits | 73.2747% | 3,414 |
| Net loans and leases to core deposits | 73.5360% | 3,756 |
| Total domestic deposits to total assets | 89.7985% | 397 |
| Equity capital to assets | 9.4117% | 4,419 |
| Core capital (leverage) ratio | 9.5177% | 4,043 |
| Tier 1 risk-based capital ratio | 11.5633% | 4,594 |
| Total risk-based capital ratio | 12.5701% | 4,611 |
| Memoranda: | ||
| Average total assets | $6,307,232,200 | 189 |
| Average earning assets | $5,654,695,000 | 192 |
| Average equity | $588,122,000 | 223 |
| Average total loans | $4,268,664,800 | 195 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 2,932 |
| Cost of funding earning assets | 0.5818% | 3,771 |
| Net interest margin | 3.9571% | 2,079 |
| Noninterest income to average assets | 7.8356% | 72 |
| Noninterest expense to average assets | 8.8970% | 85 |
| Loan and lease loss provision to assets | 0.2083% | 845 |
| Net operating income to assets | 2.2741% | 235 |
| Return on assets (ROA) | 2.2860% | 240 |
| Pretax return on assets | 2.2860% | 381 |
| Return on Equity (ROE) | 24.5748% | 102 |
| Retained earnings to average equity (ytd only) | 10.6365% | 595 |
| Net charge-offs to loans | 0.4570% | 369 |
| Credit loss provision to net charge-offs | 67.0728% | 2,648 |
| Earnings coverage of net charge-offs (x) | 7.9934% | 2,698 |
| Efficiency ratio | 78.1852% | 1,081 |
| Assets per employee ($millions) | 1.2608% | 5,202 |
| Cash dividends to net income (ytd only)* | 56.7178% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,012 |
| Loan loss allowance to noncurrent loans | 124.0420% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6521% | 2,055 |
| Noncurrent loans to loans | 0.8895% | 1,802 |
| Net loans and leases to total assets | 65.9654% | 3,053 |
| Net loans and leases to deposits | 74.0706% | 3,466 |
| Net loans and leases to core deposits | 74.3189% | 3,812 |
| Total domestic deposits to total assets | 89.0574% | 590 |
| Equity capital to assets | 9.7455% | 4,253 |
| Core capital (leverage) ratio | 9.6833% | 3,990 |
| Tier 1 risk-based capital ratio | 11.8717% | 4,477 |
| Total risk-based capital ratio | 12.8139% | 4,536 |
| Memoranda: | ||
| Average total assets | $6,272,829,000 | 192 |
| Average earning assets | $5,617,674,000 | 195 |
| Average equity | $583,510,000 | 225 |
| Average total loans | $4,263,058,500 | 197 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 2,904 |
| Cost of funding earning assets | 0.5866% | 3,719 |
| Net interest margin | 3.9474% | 2,103 |
| Noninterest income to average assets | 8.0426% | 70 |
| Noninterest expense to average assets | 8.9464% | 81 |
| Loan and lease loss provision to assets | 0.1693% | 1,076 |
| Net operating income to assets | 2.4763% | 159 |
| Return on assets (ROA) | 2.4763% | 163 |
| Pretax return on assets | 2.4763% | 250 |
| Return on Equity (ROE) | 27.0538% | 66 |
| Retained earnings to average equity (ytd only) | 13.6183% | 251 |
| Net charge-offs to loans | 0.4310% | 387 |
| Credit loss provision to net charge-offs | 57.4463% | 2,421 |
| Earnings coverage of net charge-offs (x) | 8.9772% | 2,369 |
| Efficiency ratio | 77.1773% | 1,248 |
| Assets per employee ($millions) | 1.3002% | 5,248 |
| Cash dividends to net income (ytd only)* | 49.6620% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,769 |
| Loan loss allowance to noncurrent loans | 92.2033% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 1,632 |
| Noncurrent loans to loans | 1.2516% | 1,268 |
| Net loans and leases to total assets | 63.0692% | 3,442 |
| Net loans and leases to deposits | 70.3606% | 3,811 |
| Net loans and leases to core deposits | 70.5657% | 4,088 |
| Total domestic deposits to total assets | 89.6371% | 435 |
| Equity capital to assets | 9.3954% | 4,507 |
| Core capital (leverage) ratio | 9.4037% | 4,242 |
| Tier 1 risk-based capital ratio | 11.9242% | 4,466 |
| Total risk-based capital ratio | 12.9002% | 4,505 |
| Memoranda: | ||
| Average total assets | $6,261,227,670 | 191 |
| Average earning assets | $5,630,030,000 | 193 |
| Average equity | $573,109,670 | 229 |
| Average total loans | $4,281,652,670 | 196 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,716 |
| Cost of funding earning assets | 0.5549% | 3,800 |
| Net interest margin | 3.9901% | 1,874 |
| Noninterest income to average assets | 8.6586% | 61 |
| Noninterest expense to average assets | 9.4164% | 67 |
| Loan and lease loss provision to assets | -0.1100% | 5,295 |
| Net operating income to assets | 2.9325% | 88 |
| Return on assets (ROA) | 2.9325% | 95 |
| Pretax return on assets | 2.9325% | 137 |
| Return on Equity (ROE) | 32.4847% | 40 |
| Retained earnings to average equity (ytd only) | 19.5786% | 113 |
| Net charge-offs to loans | 0.1995% | 707 |
| Credit loss provision to net charge-offs | -77.9459% | 3,525 |
| Earnings coverage of net charge-offs (x) | 19.9936% | 1,576 |
| Efficiency ratio | 76.9382% | 1,384 |
| Assets per employee ($millions) | 1.3242% | 5,306 |
| Cash dividends to net income (ytd only)* | 39.7298% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,867 |
| Loan loss allowance to noncurrent loans | 74.6029% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0447% | 1,329 |
| Noncurrent loans to loans | 1.5389% | 1,042 |
| Net loans and leases to total assets | 63.3483% | 3,366 |
| Net loans and leases to deposits | 70.3736% | 3,744 |
| Net loans and leases to core deposits | 70.5481% | 4,052 |
| Total domestic deposits to total assets | 90.0172% | 440 |
| Equity capital to assets | 8.9333% | 4,728 |
| Core capital (leverage) ratio | 9.5089% | 4,122 |
| Tier 1 risk-based capital ratio | 11.6145% | 4,681 |
| Total risk-based capital ratio | 12.5922% | 4,720 |
| Memoranda: | ||
| Average total assets | $6,179,748,500 | 194 |
| Average earning assets | $5,545,058,500 | 193 |
| Average equity | $557,875,500 | 234 |
| Average total loans | $4,372,986,500 | 192 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 2,535 |
| Cost of funding earning assets | 0.2983% | 4,579 |
| Net interest margin | 4.1758% | 1,463 |
| Noninterest income to average assets | 8.0465% | 64 |
| Noninterest expense to average assets | 9.2628% | 72 |
| Loan and lease loss provision to assets | 0.6296% | 175 |
| Net operating income to assets | 1.8966% | 449 |
| Return on assets (ROA) | 1.8933% | 450 |
| Pretax return on assets | 1.8933% | 731 |
| Return on Equity (ROE) | 21.8640% | 160 |
| Retained earnings to average equity (ytd only) | 18.2390% | 52 |
| Net charge-offs to loans | 0.8343% | 179 |
| Credit loss provision to net charge-offs | 100.7507% | 2,496 |
| Earnings coverage of net charge-offs (x) | 4.0427% | 3,343 |
| Efficiency ratio | 78.5721% | 1,075 |
| Assets per employee ($millions) | 1.2067% | 5,356 |
| Cash dividends to net income (ytd only)* | 16.5798% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 3,041 |
| Loan loss allowance to noncurrent loans | 83.2832% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 1,219 |
| Noncurrent loans to loans | 1.3310% | 1,178 |
| Net loans and leases to total assets | 77.1549% | 1,416 |
| Net loans and leases to deposits | 85.6177% | 2,326 |
| Net loans and leases to core deposits | 85.8394% | 2,929 |
| Total domestic deposits to total assets | 90.1156% | 435 |
| Equity capital to assets | 9.1298% | 4,466 |
| Core capital (leverage) ratio | 9.4195% | 4,212 |
| Tier 1 risk-based capital ratio | 10.4029% | 5,218 |
| Total risk-based capital ratio | 11.3878% | 5,210 |
| Memoranda: | ||
| Average total assets | $5,734,215,800 | 199 |
| Average earning assets | $5,139,101,800 | 199 |
| Average equity | $496,552,200 | 245 |
| Average total loans | $4,294,710,800 | 192 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 2,932 |
| Cost of funding earning assets | 0.2533% | 4,769 |
| Net interest margin | 4.0561% | 1,769 |
| Noninterest income to average assets | 8.0706% | 66 |
| Noninterest expense to average assets | 9.1438% | 74 |
| Loan and lease loss provision to assets | 0.6096% | 169 |
| Net operating income to assets | 1.9538% | 434 |
| Return on assets (ROA) | 1.9566% | 421 |
| Pretax return on assets | 1.9566% | 709 |
| Return on Equity (ROE) | 22.9187% | 137 |
| Retained earnings to average equity (ytd only) | 22.9187% | 35 |
| Net charge-offs to loans | 0.7077% | 204 |
| Credit loss provision to net charge-offs | 116.2687% | 2,034 |
| Earnings coverage of net charge-offs (x) | 4.8892% | 3,013 |
| Efficiency ratio | 78.1043% | 1,111 |
| Assets per employee ($millions) | 1.2060% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,629 |
| Loan loss allowance to noncurrent loans | 78.9870% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.2388% | 1,123 |
| Noncurrent loans to loans | 1.5180% | 1,070 |
| Net loans and leases to total assets | 77.0311% | 1,496 |
| Net loans and leases to deposits | 85.6805% | 2,398 |
| Net loans and leases to core deposits | 85.9008% | 2,996 |
| Total domestic deposits to total assets | 89.9051% | 540 |
| Equity capital to assets | 8.9128% | 4,625 |
| Core capital (leverage) ratio | 9.5254% | 4,143 |
| Tier 1 risk-based capital ratio | 10.4078% | 5,270 |
| Total risk-based capital ratio | 11.4703% | 5,254 |
| Memoranda: | ||
| Average total assets | $5,686,838,500 | 201 |
| Average earning assets | $5,098,529,750 | 199 |
| Average equity | $485,483,750 | 249 |
| Average total loans | $4,212,970,250 | 193 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 3,403 |
| Cost of funding earning assets | 0.2230% | 4,901 |
| Net interest margin | 3.8911% | 2,232 |
| Noninterest income to average assets | 8.0870% | 68 |
| Noninterest expense to average assets | 9.2562% | 74 |
| Loan and lease loss provision to assets | 0.4560% | 256 |
| Net operating income to assets | 1.8686% | 505 |
| Return on assets (ROA) | 1.8684% | 504 |
| Pretax return on assets | 1.8684% | 842 |
| Return on Equity (ROE) | 22.2245% | 155 |
| Retained earnings to average equity (ytd only) | 22.2245% | 47 |
| Net charge-offs to loans | 0.1730% | 898 |
| Credit loss provision to net charge-offs | 362.2780% | 881 |
| Earnings coverage of net charge-offs (x) | 18.4674% | 1,900 |
| Efficiency ratio | 79.9268% | 1,024 |
| Assets per employee ($millions) | 1.2176% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,811 |
| Loan loss allowance to noncurrent loans | 83.7186% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.2941% | 1,095 |
| Noncurrent loans to loans | 1.6519% | 971 |
| Net loans and leases to total assets | 73.6540% | 2,001 |
| Net loans and leases to deposits | 81.3908% | 2,829 |
| Net loans and leases to core deposits | 81.6075% | 3,278 |
| Total domestic deposits to total assets | 90.4942% | 397 |
| Equity capital to assets | 8.4861% | 4,954 |
| Core capital (leverage) ratio | 9.2159% | 4,447 |
| Tier 1 risk-based capital ratio | 10.2345% | 5,359 |
| Total risk-based capital ratio | 11.4498% | 5,302 |
| Memoranda: | ||
| Average total assets | $5,635,595,330 | 200 |
| Average earning assets | $5,060,301,000 | 198 |
| Average equity | $473,792,000 | 248 |
| Average total loans | $4,099,410,000 | 199 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 3,844 |
| Cost of funding earning assets | 0.2083% | 4,965 |
| Net interest margin | 3.7239% | 2,712 |
| Noninterest income to average assets | 8.1022% | 65 |
| Noninterest expense to average assets | 9.3250% | 75 |
| Loan and lease loss provision to assets | 0.3504% | 348 |
| Net operating income to assets | 1.7636% | 605 |
| Return on assets (ROA) | 1.7642% | 610 |
| Pretax return on assets | 1.7642% | 976 |
| Return on Equity (ROE) | 21.0890% | 191 |
| Retained earnings to average equity (ytd only) | 21.0890% | 84 |
| Net charge-offs to loans | 0.2182% | 686 |
| Credit loss provision to net charge-offs | 223.9151% | 974 |
| Earnings coverage of net charge-offs (x) | 13.5083% | 1,750 |
| Efficiency ratio | 81.5190% | 999 |
| Assets per employee ($millions) | 1.2050% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 2,129 |
| Loan loss allowance to noncurrent loans | 135.2963% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 2,060 |
| Noncurrent loans to loans | 0.9787% | 1,862 |
| Net loans and leases to total assets | 70.1403% | 2,462 |
| Net loans and leases to deposits | 77.1840% | 3,093 |
| Net loans and leases to core deposits | 77.4466% | 3,541 |
| Total domestic deposits to total assets | 90.8741% | 363 |
| Equity capital to assets | 8.2219% | 5,166 |
| Core capital (leverage) ratio | 8.9478% | 4,738 |
| Tier 1 risk-based capital ratio | 10.3771% | 5,393 |
| Total risk-based capital ratio | 11.5394% | 5,341 |
| Memoranda: | ||
| Average total assets | $5,536,096,500 | 202 |
| Average earning assets | $4,960,700,000 | 200 |
| Average equity | $463,123,500 | 254 |
| Average total loans | $3,970,278,000 | 201 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 4,484 |
| Cost of funding earning assets | 0.1476% | 5,273 |
| Net interest margin | 3.4904% | 3,562 |
| Noninterest income to average assets | 8.6925% | 68 |
| Noninterest expense to average assets | 9.7797% | 73 |
| Loan and lease loss provision to assets | 0.3684% | 412 |
| Net operating income to assets | 1.5982% | 655 |
| Return on assets (ROA) | 1.7275% | 508 |
| Pretax return on assets | 1.7275% | 944 |
| Return on Equity (ROE) | 20.9731% | 164 |
| Retained earnings to average equity (ytd only) | 15.9907% | 68 |
| Net charge-offs to loans | 0.3705% | 686 |
| Credit loss provision to net charge-offs | 148.9530% | 1,794 |
| Earnings coverage of net charge-offs (x) | 7.9519% | 2,971 |
| Efficiency ratio | 83.2578% | 834 |
| Assets per employee ($millions) | 1.1130% | 5,619 |
| Cash dividends to net income (ytd only)* | 23.7562% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 2,168 |
| Loan loss allowance to noncurrent loans | 125.7179% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 1,907 |
| Noncurrent loans to loans | 1.0423% | 1,710 |
| Net loans and leases to total assets | 71.4410% | 2,310 |
| Net loans and leases to deposits | 78.7160% | 3,039 |
| Net loans and leases to core deposits | 78.9916% | 3,504 |
| Total domestic deposits to total assets | 90.7579% | 319 |
| Equity capital to assets | 8.5179% | 5,109 |
| Core capital (leverage) ratio | 8.9220% | 4,736 |
| Tier 1 risk-based capital ratio | 10.3536% | 5,425 |
| Total risk-based capital ratio | 11.5116% | 5,382 |
| Memoranda: | ||
| Average total assets | $5,117,003,000 | 207 |
| Average earning assets | $4,476,975,400 | 208 |
| Average equity | $421,482,400 | 257 |
| Average total loans | $3,415,370,400 | 220 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 4,738 |
| Cost of funding earning assets | 0.1441% | 5,349 |
| Net interest margin | 3.3878% | 3,892 |
| Noninterest income to average assets | 8.7974% | 71 |
| Noninterest expense to average assets | 9.9876% | 72 |
| Loan and lease loss provision to assets | 0.2705% | 607 |
| Net operating income to assets | 1.4899% | 917 |
| Return on assets (ROA) | 1.6628% | 642 |
| Pretax return on assets | 1.6628% | 1,208 |
| Return on Equity (ROE) | 20.3720% | 207 |
| Retained earnings to average equity (ytd only) | 13.5834% | 175 |
| Net charge-offs to loans | 0.2239% | 965 |
| Credit loss provision to net charge-offs | 185.1517% | 1,434 |
| Earnings coverage of net charge-offs (x) | 12.0511% | 2,456 |
| Efficiency ratio | 85.0159% | 685 |
| Assets per employee ($millions) | 1.1167% | 5,681 |
| Cash dividends to net income (ytd only)* | 33.3233% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,256 |
| Loan loss allowance to noncurrent loans | 199.2029% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 2,903 |
| Noncurrent loans to loans | 0.6633% | 2,713 |
| Net loans and leases to total assets | 70.1132% | 2,541 |
| Net loans and leases to deposits | 77.5052% | 3,223 |
| Net loans and leases to core deposits | 77.8014% | 3,657 |
| Total domestic deposits to total assets | 90.4625% | 340 |
| Equity capital to assets | 8.2862% | 5,404 |
| Core capital (leverage) ratio | 8.8027% | 4,963 |
| Tier 1 risk-based capital ratio | 10.4311% | 5,476 |
| Total risk-based capital ratio | 11.6256% | 5,428 |
| Memoranda: | ||
| Average total assets | $5,053,106,250 | 209 |
| Average earning assets | $4,400,960,500 | 212 |
| Average equity | $412,445,250 | 259 |
| Average total loans | $3,296,914,500 | 224 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4463% | 4,885 |
| Cost of funding earning assets | 0.1427% | 5,383 |
| Net interest margin | 3.3036% | 4,095 |
| Noninterest income to average assets | 8.8960% | 70 |
| Noninterest expense to average assets | 10.0162% | 73 |
| Loan and lease loss provision to assets | 0.2510% | 664 |
| Net operating income to assets | 1.4818% | 899 |
| Return on assets (ROA) | 1.6782% | 604 |
| Pretax return on assets | 1.6782% | 1,107 |
| Return on Equity (ROE) | 20.6715% | 192 |
| Retained earnings to average equity (ytd only) | 12.7575% | 263 |
| Net charge-offs to loans | 0.2007% | 1,006 |
| Credit loss provision to net charge-offs | 197.9101% | 1,281 |
| Earnings coverage of net charge-offs (x) | 13.6643% | 2,118 |
| Efficiency ratio | 85.2513% | 744 |
| Assets per employee ($millions) | 1.0484% | 5,737 |
| Cash dividends to net income (ytd only)* | 38.2848% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,117 |
| Loan loss allowance to noncurrent loans | 424.0851% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 3,944 |
| Noncurrent loans to loans | 0.3207% | 3,883 |
| Net loans and leases to total assets | 69.0612% | 2,660 |
| Net loans and leases to deposits | 76.3073% | 3,307 |
| Net loans and leases to core deposits | 76.6089% | 3,720 |
| Total domestic deposits to total assets | 90.5041% | 357 |
| Equity capital to assets | 8.4109% | 5,350 |
| Core capital (leverage) ratio | 8.7048% | 5,043 |
| Tier 1 risk-based capital ratio | 10.9974% | 5,252 |
| Total risk-based capital ratio | 12.2476% | 5,153 |
| Memoranda: | ||
| Average total assets | $4,980,535,330 | 211 |
| Average earning assets | $4,301,284,330 | 216 |
| Average equity | $404,343,670 | 264 |
| Average total loans | $3,147,546,670 | 231 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2436% | 5,187 |
| Cost of funding earning assets | 0.1420% | 5,422 |
| Net interest margin | 3.1016% | 4,645 |
| Noninterest income to average assets | 8.8456% | 67 |
| Noninterest expense to average assets | 9.8914% | 70 |
| Loan and lease loss provision to assets | 0.0686% | 2,441 |
| Net operating income to assets | 1.5474% | 750 |
| Return on assets (ROA) | 1.5756% | 730 |
| Pretax return on assets | 1.5756% | 1,298 |
| Return on Equity (ROE) | 19.7690% | 240 |
| Retained earnings to average equity (ytd only) | 8.6338% | 1,219 |
| Net charge-offs to loans | 0.3112% | 594 |
| Credit loss provision to net charge-offs | 36.8924% | 2,082 |
| Earnings coverage of net charge-offs (x) | 8.6931% | 2,039 |
| Efficiency ratio | 85.9570% | 806 |
| Assets per employee ($millions) | 1.0191% | 5,807 |
| Cash dividends to net income (ytd only)* | 56.3265% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 2,064 |
| Loan loss allowance to noncurrent loans | 263.8723% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 3,834 |
| Noncurrent loans to loans | 0.5314% | 3,217 |
| Net loans and leases to total assets | 60.1777% | 3,767 |
| Net loans and leases to deposits | 66.7384% | 4,108 |
| Net loans and leases to core deposits | 67.0041% | 4,357 |
| Total domestic deposits to total assets | 90.1696% | 590 |
| Equity capital to assets | 7.8965% | 5,567 |
| Core capital (leverage) ratio | 8.4807% | 5,243 |
| Tier 1 risk-based capital ratio | 11.7690% | 4,873 |
| Total risk-based capital ratio | 13.0193% | 4,777 |
| Memoranda: | ||
| Average total assets | $4,957,745,000 | 212 |
| Average earning assets | $4,254,660,500 | 217 |
| Average equity | $395,143,500 | 266 |
| Average total loans | $2,961,843,500 | 241 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0643% | 5,443 |
| Cost of funding earning assets | 0.1362% | 5,511 |
| Net interest margin | 2.9281% | 5,084 |
| Noninterest income to average assets | 9.2950% | 67 |
| Noninterest expense to average assets | 9.9766% | 76 |
| Loan and lease loss provision to assets | 0.2683% | 752 |
| Net operating income to assets | 1.5152% | 807 |
| Return on assets (ROA) | 1.7577% | 502 |
| Pretax return on assets | 1.7577% | 875 |
| Return on Equity (ROE) | 21.0561% | 177 |
| Retained earnings to average equity (ytd only) | 3.6146% | 3,350 |
| Net charge-offs to loans | 0.1760% | 1,559 |
| Credit loss provision to net charge-offs | 274.6434% | 1,055 |
| Earnings coverage of net charge-offs (x) | 18.2565% | 1,978 |
| Efficiency ratio | 84.8340% | 922 |
| Assets per employee ($millions) | 0.9725% | 5,867 |
| Cash dividends to net income (ytd only)* | 82.8334% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 1,424 |
| Loan loss allowance to noncurrent loans | 518.0051% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 4,328 |
| Noncurrent loans to loans | 0.3049% | 4,046 |
| Net loans and leases to total assets | 57.4729% | 4,118 |
| Net loans and leases to deposits | 63.5330% | 4,447 |
| Net loans and leases to core deposits | 63.8108% | 4,645 |
| Total domestic deposits to total assets | 90.4614% | 460 |
| Equity capital to assets | 8.0471% | 5,541 |
| Core capital (leverage) ratio | 8.4947% | 5,263 |
| Tier 1 risk-based capital ratio | 12.6071% | 4,319 |
| Total risk-based capital ratio | 13.8594% | 4,211 |
| Memoranda: | ||
| Average total assets | $4,807,919,200 | 205 |
| Average earning assets | $4,047,767,400 | 215 |
| Average equity | $401,342,000 | 255 |
| Average total loans | $2,669,473,200 | 248 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9926% | 5,575 |
| Cost of funding earning assets | 0.1361% | 5,580 |
| Net interest margin | 2.8564% | 5,254 |
| Noninterest income to average assets | 9.4103% | 67 |
| Noninterest expense to average assets | 10.1023% | 72 |
| Loan and lease loss provision to assets | 0.2168% | 960 |
| Net operating income to assets | 1.4887% | 899 |
| Return on assets (ROA) | 1.7448% | 580 |
| Pretax return on assets | 1.7448% | 1,013 |
| Return on Equity (ROE) | 20.7132% | 206 |
| Retained earnings to average equity (ytd only) | 2.8926% | 4,165 |
| Net charge-offs to loans | 0.1622% | 1,403 |
| Credit loss provision to net charge-offs | 243.9024% | 1,217 |
| Earnings coverage of net charge-offs (x) | 19.1851% | 1,953 |
| Efficiency ratio | 85.5558% | 860 |
| Assets per employee ($millions) | 0.9895% | 5,935 |
| Cash dividends to net income (ytd only)* | 86.0352% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 1,578 |
| Loan loss allowance to noncurrent loans | 324.3637% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 4,341 |
| Noncurrent loans to loans | 0.4829% | 3,561 |
| Net loans and leases to total assets | 53.7935% | 4,508 |
| Net loans and leases to deposits | 60.4841% | 4,722 |
| Net loans and leases to core deposits | 60.7693% | 4,894 |
| Total domestic deposits to total assets | 88.9382% | 939 |
| Equity capital to assets | 8.6005% | 5,474 |
| Core capital (leverage) ratio | 8.5099% | 5,353 |
| Tier 1 risk-based capital ratio | 13.2993% | 3,977 |
| Total risk-based capital ratio | 14.5513% | 3,887 |
| Memoranda: | ||
| Average total assets | $4,796,278,750 | 208 |
| Average earning assets | $4,025,842,750 | 216 |
| Average equity | $404,016,000 | 255 |
| Average total loans | $2,628,147,750 | 250 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9423% | 5,692 |
| Cost of funding earning assets | 0.1367% | 5,636 |
| Net interest margin | 2.8056% | 5,418 |
| Noninterest income to average assets | 9.3422% | 65 |
| Noninterest expense to average assets | 9.8377% | 74 |
| Loan and lease loss provision to assets | 0.3255% | 522 |
| Net operating income to assets | 1.5207% | 859 |
| Return on assets (ROA) | 1.6528% | 683 |
| Pretax return on assets | 1.6528% | 1,215 |
| Return on Equity (ROE) | 19.7602% | 253 |
| Retained earnings to average equity (ytd only) | 5.7891% | 2,244 |
| Net charge-offs to loans | 0.1364% | 1,511 |
| Credit loss provision to net charge-offs | 435.0251% | 730 |
| Earnings coverage of net charge-offs (x) | 24.6721% | 1,535 |
| Efficiency ratio | 84.1984% | 1,029 |
| Assets per employee ($millions) | 0.9751% | 6,010 |
| Cash dividends to net income (ytd only)* | 70.7035% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,766 |
| Loan loss allowance to noncurrent loans | 403.3542% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 4,575 |
| Noncurrent loans to loans | 0.3787% | 4,006 |
| Net loans and leases to total assets | 57.0622% | 4,208 |
| Net loans and leases to deposits | 63.5552% | 4,524 |
| Net loans and leases to core deposits | 63.8601% | 4,757 |
| Total domestic deposits to total assets | 89.7837% | 570 |
| Equity capital to assets | 8.5295% | 5,578 |
| Core capital (leverage) ratio | 8.5115% | 5,357 |
| Tier 1 risk-based capital ratio | 13.2636% | 4,036 |
| Total risk-based capital ratio | 14.5160% | 3,951 |
| Memoranda: | ||
| Average total assets | $4,792,073,000 | 209 |
| Average earning assets | $3,999,859,000 | 217 |
| Average equity | $400,825,670 | 257 |
| Average total loans | $2,628,184,670 | 253 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8907% | 5,793 |
| Cost of funding earning assets | 0.1366% | 5,702 |
| Net interest margin | 2.7541% | 5,538 |
| Noninterest income to average assets | 9.2529% | 64 |
| Noninterest expense to average assets | 9.7747% | 73 |
| Loan and lease loss provision to assets | 0.3428% | 436 |
| Net operating income to assets | 1.4487% | 945 |
| Return on assets (ROA) | 1.6396% | 688 |
| Pretax return on assets | 1.6396% | 1,206 |
| Return on Equity (ROE) | 19.7990% | 257 |
| Retained earnings to average equity (ytd only) | 10.2065% | 806 |
| Net charge-offs to loans | 0.1459% | 1,239 |
| Credit loss provision to net charge-offs | 440.8602% | 662 |
| Earnings coverage of net charge-offs (x) | 23.0376% | 1,382 |
| Efficiency ratio | 84.5104% | 1,110 |
| Assets per employee ($millions) | 1.0072% | 6,072 |
| Cash dividends to net income (ytd only)* | 48.4496% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 1,990 |
| Loan loss allowance to noncurrent loans | 385.0097% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 4,689 |
| Noncurrent loans to loans | 0.3893% | 4,042 |
| Net loans and leases to total assets | 53.1428% | 4,524 |
| Net loans and leases to deposits | 58.9791% | 4,781 |
| Net loans and leases to core deposits | 59.2884% | 4,983 |
| Total domestic deposits to total assets | 90.1044% | 559 |
| Equity capital to assets | 8.2307% | 5,724 |
| Core capital (leverage) ratio | 8.5146% | 5,380 |
| Tier 1 risk-based capital ratio | 13.8260% | 3,794 |
| Total risk-based capital ratio | 15.0780% | 3,733 |
| Memoranda: | ||
| Average total assets | $4,783,549,000 | 210 |
| Average earning assets | $4,017,958,000 | 216 |
| Average equity | $396,141,500 | 260 |
| Average total loans | $2,548,896,500 | 255 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8235% | 5,864 |
| Cost of funding earning assets | 0.1445% | 5,719 |
| Net interest margin | 2.6790% | 5,673 |
| Noninterest income to average assets | 9.3273% | 71 |
| Noninterest expense to average assets | 9.6971% | 75 |
| Loan and lease loss provision to assets | 0.1705% | 1,344 |
| Net operating income to assets | 1.7064% | 568 |
| Return on assets (ROA) | 1.7617% | 532 |
| Pretax return on assets | 1.7617% | 869 |
| Return on Equity (ROE) | 20.3120% | 237 |
| Retained earnings to average equity (ytd only) | -1.3710% | 5,697 |
| Net charge-offs to loans | 0.2177% | 1,357 |
| Credit loss provision to net charge-offs | 154.6289% | 1,727 |
| Earnings coverage of net charge-offs (x) | 17.0249% | 2,096 |
| Efficiency ratio | 83.7835% | 1,197 |
| Assets per employee ($millions) | 0.9743% | 6,132 |
| Cash dividends to net income (ytd only)* | 106.7496% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 2,037 |
| Loan loss allowance to noncurrent loans | 365.2647% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 4,717 |
| Noncurrent loans to loans | 0.4090% | 3,988 |
| Net loans and leases to total assets | 51.7951% | 4,709 |
| Net loans and leases to deposits | 57.4485% | 4,950 |
| Net loans and leases to core deposits | 57.7908% | 5,114 |
| Total domestic deposits to total assets | 90.1591% | 567 |
| Equity capital to assets | 8.3348% | 5,679 |
| Core capital (leverage) ratio | 8.5281% | 5,394 |
| Tier 1 risk-based capital ratio | 14.1281% | 3,650 |
| Total risk-based capital ratio | 15.3795% | 3,560 |
| Memoranda: | ||
| Average total assets | $4,546,278,400 | 211 |
| Average earning assets | $3,812,623,800 | 213 |
| Average equity | $394,318,200 | 249 |
| Average total loans | $2,302,157,200 | 258 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8069% | 5,952 |
| Cost of funding earning assets | 0.1476% | 5,797 |
| Net interest margin | 2.6594% | 5,775 |
| Noninterest income to average assets | 9.3051% | 73 |
| Noninterest expense to average assets | 9.6866% | 82 |
| Loan and lease loss provision to assets | 0.1549% | 1,398 |
| Net operating income to assets | 1.6760% | 656 |
| Return on assets (ROA) | 1.7368% | 604 |
| Pretax return on assets | 1.7368% | 1,013 |
| Return on Equity (ROE) | 19.8254% | 282 |
| Retained earnings to average equity (ytd only) | -3.2427% | 5,950 |
| Net charge-offs to loans | 0.1862% | 1,368 |
| Credit loss provision to net charge-offs | 165.9292% | 1,555 |
| Earnings coverage of net charge-offs (x) | 19.6138% | 1,927 |
| Efficiency ratio | 84.1036% | 1,157 |
| Assets per employee ($millions) | 0.9583% | 6,219 |
| Cash dividends to net income (ytd only)* | 116.3561% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 2,109 |
| Loan loss allowance to noncurrent loans | 358.8588% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 4,844 |
| Noncurrent loans to loans | 0.4213% | 4,089 |
| Net loans and leases to total assets | 52.1304% | 4,747 |
| Net loans and leases to deposits | 58.2661% | 4,980 |
| Net loans and leases to core deposits | 58.6321% | 5,152 |
| Total domestic deposits to total assets | 89.4696% | 787 |
| Equity capital to assets | 8.6577% | 5,604 |
| Core capital (leverage) ratio | 8.5048% | 5,549 |
| Tier 1 risk-based capital ratio | 14.9801% | 3,304 |
| Total risk-based capital ratio | 16.2324% | 3,244 |
| Memoranda: | ||
| Average total assets | $4,519,304,750 | 212 |
| Average earning assets | $3,759,628,750 | 219 |
| Average equity | $395,919,000 | 251 |
| Average total loans | $2,265,897,750 | 266 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7730% | 6,040 |
| Cost of funding earning assets | 0.1477% | 5,865 |
| Net interest margin | 2.6253% | 5,855 |
| Noninterest income to average assets | 9.1700% | 79 |
| Noninterest expense to average assets | 9.6351% | 85 |
| Loan and lease loss provision to assets | 0.1435% | 1,518 |
| Net operating income to assets | 1.5730% | 792 |
| Return on assets (ROA) | 1.6438% | 718 |
| Pretax return on assets | 1.6438% | 1,204 |
| Return on Equity (ROE) | 18.6910% | 361 |
| Retained earnings to average equity (ytd only) | -2.6452% | 5,885 |
| Net charge-offs to loans | 0.1783% | 1,387 |
| Credit loss provision to net charge-offs | 163.4809% | 1,447 |
| Earnings coverage of net charge-offs (x) | 19.5563% | 1,744 |
| Efficiency ratio | 84.8786% | 1,165 |
| Assets per employee ($millions) | 0.9468% | 6,297 |
| Cash dividends to net income (ytd only)* | 114.1522% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 2,113 |
| Loan loss allowance to noncurrent loans | 364.2375% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 4,968 |
| Noncurrent loans to loans | 0.4230% | 4,211 |
| Net loans and leases to total assets | 50.4660% | 4,888 |
| Net loans and leases to deposits | 56.5561% | 5,088 |
| Net loans and leases to core deposits | 56.9160% | 5,261 |
| Total domestic deposits to total assets | 89.2317% | 1,034 |
| Equity capital to assets | 8.7169% | 5,510 |
| Core capital (leverage) ratio | 8.5349% | 5,502 |
| Tier 1 risk-based capital ratio | 15.4840% | 3,113 |
| Total risk-based capital ratio | 16.7363% | 3,060 |
| Memoranda: | ||
| Average total assets | $4,529,868,670 | 214 |
| Average earning assets | $3,764,273,330 | 220 |
| Average equity | $398,384,330 | 254 |
| Average total loans | $2,229,422,670 | 269 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6589% | 6,147 |
| Cost of funding earning assets | 0.1471% | 5,952 |
| Net interest margin | 2.5118% | 6,002 |
| Noninterest income to average assets | 9.0247% | 81 |
| Noninterest expense to average assets | 9.4223% | 89 |
| Loan and lease loss provision to assets | 0.1312% | 1,580 |
| Net operating income to assets | 1.5441% | 785 |
| Return on assets (ROA) | 1.6465% | 691 |
| Pretax return on assets | 1.6465% | 1,163 |
| Return on Equity (ROE) | 18.6417% | 340 |
| Retained earnings to average equity (ytd only) | 18.6417% | 127 |
| Net charge-offs to loans | 0.1179% | 1,571 |
| Credit loss provision to net charge-offs | 230.7692% | 960 |
| Earnings coverage of net charge-offs (x) | 29.4662% | 1,165 |
| Efficiency ratio | 84.9040% | 1,278 |
| Assets per employee ($millions) | 0.9779% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 2,252 |
| Loan loss allowance to noncurrent loans | 378.5067% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 5,149 |
| Noncurrent loans to loans | 0.4083% | 4,366 |
| Net loans and leases to total assets | 47.7507% | 5,061 |
| Net loans and leases to deposits | 53.5468% | 5,229 |
| Net loans and leases to core deposits | 53.8636% | 5,375 |
| Total domestic deposits to total assets | 89.1755% | 1,156 |
| Equity capital to assets | 8.9661% | 5,333 |
| Core capital (leverage) ratio | 9.0237% | 4,923 |
| Tier 1 risk-based capital ratio | 16.2472% | 2,803 |
| Total risk-based capital ratio | 17.4991% | 2,746 |
| Memoranda: | ||
| Average total assets | $4,573,075,500 | 213 |
| Average earning assets | $3,773,827,000 | 219 |
| Average equity | $403,911,500 | 245 |
| Average total loans | $2,205,374,500 | 268 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7476% | 6,236 |
| Cost of funding earning assets | 0.1622% | 6,031 |
| Net interest margin | 2.5853% | 6,092 |
| Noninterest income to average assets | 10.1654% | 67 |
| Noninterest expense to average assets | 10.3756% | 71 |
| Loan and lease loss provision to assets | 0.0309% | 3,985 |
| Net operating income to assets | 1.8871% | 400 |
| Return on assets (ROA) | 1.8989% | 409 |
| Pretax return on assets | 1.8989% | 645 |
| Return on Equity (ROE) | 21.2283% | 197 |
| Retained earnings to average equity (ytd only) | 9.2533% | 653 |
| Net charge-offs to loans | 0.0429% | 3,964 |
| Credit loss provision to net charge-offs | 153.3019% | 1,582 |
| Earnings coverage of net charge-offs (x) | 95.0212% | 551 |
| Efficiency ratio | 84.3979% | 1,357 |
| Assets per employee ($millions) | 0.9568% | 6,458 |
| Cash dividends to net income (ytd only)* | 56.4108% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 2,225 |
| Loan loss allowance to noncurrent loans | 363.4361% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 5,178 |
| Noncurrent loans to loans | 0.4295% | 4,355 |
| Net loans and leases to total assets | 47.1954% | 5,231 |
| Net loans and leases to deposits | 52.5812% | 5,437 |
| Net loans and leases to core deposits | 52.8900% | 5,574 |
| Total domestic deposits to total assets | 89.7571% | 852 |
| Equity capital to assets | 8.6955% | 5,580 |
| Core capital (leverage) ratio | 9.0522% | 4,905 |
| Tier 1 risk-based capital ratio | 16.0817% | 2,923 |
| Total risk-based capital ratio | 17.3338% | 2,862 |
| Memoranda: | ||
| Average total assets | $4,201,003,000 | 213 |
| Average earning assets | $3,458,223,800 | 223 |
| Average equity | $375,781,200 | 250 |
| Average total loans | $1,977,609,200 | 268 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7281% | 6,319 |
| Cost of funding earning assets | 0.1642% | 6,097 |
| Net interest margin | 2.5640% | 6,166 |
| Noninterest income to average assets | 10.4313% | 66 |
| Noninterest expense to average assets | 10.5759% | 68 |
| Loan and lease loss provision to assets | 0.0081% | 4,255 |
| Net operating income to assets | 1.9679% | 361 |
| Return on assets (ROA) | 1.9838% | 366 |
| Pretax return on assets | 1.9838% | 592 |
| Return on Equity (ROE) | 22.0098% | 191 |
| Retained earnings to average equity (ytd only) | 17.5232% | 125 |
| Net charge-offs to loans | -0.0240% | 5,667 |
| Credit loss provision to net charge-offs | -71.8391% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2575% | 1,359 |
| Assets per employee ($millions) | 0.8905% | 6,539 |
| Cash dividends to net income (ytd only)* | 20.3845% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 2,246 |
| Loan loss allowance to noncurrent loans | 248.2353% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 4,949 |
| Noncurrent loans to loans | 0.6507% | 3,986 |
| Net loans and leases to total assets | 49.2045% | 5,092 |
| Net loans and leases to deposits | 55.5882% | 5,273 |
| Net loans and leases to core deposits | 55.9538% | 5,451 |
| Total domestic deposits to total assets | 88.5162% | 1,489 |
| Equity capital to assets | 9.4724% | 4,827 |
| Core capital (leverage) ratio | 9.5869% | 4,266 |
| Tier 1 risk-based capital ratio | 17.1223% | 2,563 |
| Total risk-based capital ratio | 18.3750% | 2,520 |
| Memoranda: | ||
| Average total assets | $4,121,273,000 | 213 |
| Average earning assets | $3,408,558,250 | 221 |
| Average equity | $371,468,500 | 248 |
| Average total loans | $1,930,256,750 | 271 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6733% | 6,410 |
| Cost of funding earning assets | 0.1649% | 6,159 |
| Net interest margin | 2.5084% | 6,265 |
| Noninterest income to average assets | 10.3644% | 65 |
| Noninterest expense to average assets | 10.6555% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7825% | 503 |
| Return on assets (ROA) | 1.8057% | 504 |
| Pretax return on assets | 1.8057% | 834 |
| Return on Equity (ROE) | 20.3888% | 272 |
| Retained earnings to average equity (ytd only) | 13.4927% | 294 |
| Net charge-offs to loans | -0.2150% | 6,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6691% | 1,297 |
| Assets per employee ($millions) | 0.8830% | 6,608 |
| Cash dividends to net income (ytd only)* | 33.8231% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 1,934 |
| Loan loss allowance to noncurrent loans | 496.6456% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 5,595 |
| Noncurrent loans to loans | 0.3559% | 4,931 |
| Net loans and leases to total assets | 47.1591% | 5,250 |
| Net loans and leases to deposits | 53.0755% | 5,417 |
| Net loans and leases to core deposits | 53.4222% | 5,588 |
| Total domestic deposits to total assets | 88.8529% | 1,444 |
| Equity capital to assets | 8.9927% | 5,309 |
| Core capital (leverage) ratio | 9.0367% | 4,963 |
| Tier 1 risk-based capital ratio | 16.3972% | 2,880 |
| Total risk-based capital ratio | 17.6510% | 2,833 |
| Memoranda: | ||
| Average total assets | $4,093,403,330 | 209 |
| Average earning assets | $3,383,938,000 | 220 |
| Average equity | $362,523,000 | 251 |
| Average total loans | $1,872,687,670 | 275 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5901% | 6,524 |
| Cost of funding earning assets | 0.1674% | 6,245 |
| Net interest margin | 2.4226% | 6,401 |
| Noninterest income to average assets | 10.1886% | 61 |
| Noninterest expense to average assets | 10.4688% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7137% | 560 |
| Return on assets (ROA) | 1.7458% | 543 |
| Pretax return on assets | 1.7458% | 886 |
| Return on Equity (ROE) | 19.8700% | 297 |
| Retained earnings to average equity (ytd only) | 19.8700% | 122 |
| Net charge-offs to loans | 0.0819% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 46.9541% | 789 |
| Efficiency ratio | 85.9328% | 1,462 |
| Assets per employee ($millions) | 0.8781% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 2,078 |
| Loan loss allowance to noncurrent loans | 396.3848% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 5,569 |
| Noncurrent loans to loans | 0.4509% | 4,797 |
| Net loans and leases to total assets | 42.9196% | 5,594 |
| Net loans and leases to deposits | 47.9943% | 5,731 |
| Net loans and leases to core deposits | 48.2866% | 5,856 |
| Total domestic deposits to total assets | 89.4263% | 1,407 |
| Equity capital to assets | 8.6466% | 5,499 |
| Core capital (leverage) ratio | 9.0166% | 4,986 |
| Tier 1 risk-based capital ratio | 16.5111% | 2,893 |
| Total risk-based capital ratio | 17.7641% | 2,860 |
| Memoranda: | ||
| Average total assets | $4,054,970,000 | 211 |
| Average earning assets | $3,337,512,500 | 222 |
| Average equity | $356,275,000 | 252 |
| Average total loans | $1,808,007,500 | 279 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5424% | 6,603 |
| Cost of funding earning assets | 0.1854% | 6,359 |
| Net interest margin | 2.3570% | 6,479 |
| Noninterest income to average assets | 10.7788% | 59 |
| Noninterest expense to average assets | 10.9017% | 69 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7786% | 503 |
| Return on assets (ROA) | 1.8051% | 489 |
| Pretax return on assets | 1.8051% | 751 |
| Return on Equity (ROE) | 19.9074% | 280 |
| Retained earnings to average equity (ytd only) | 1.2352% | 5,274 |
| Net charge-offs to loans | 0.0148% | 5,152 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 279.7154% | 161 |
| Efficiency ratio | 85.9734% | 1,417 |
| Assets per employee ($millions) | 0.7953% | 6,762 |
| Cash dividends to net income (ytd only)* | 93.7952% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 1,812 |
| Loan loss allowance to noncurrent loans | 291.2383% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 5,236 |
| Noncurrent loans to loans | 0.6476% | 4,354 |
| Net loans and leases to total assets | 44.6931% | 5,611 |
| Net loans and leases to deposits | 50.0179% | 5,767 |
| Net loans and leases to core deposits | 50.3195% | 5,911 |
| Total domestic deposits to total assets | 89.3542% | 1,408 |
| Equity capital to assets | 8.9379% | 5,111 |
| Core capital (leverage) ratio | 9.0593% | 4,915 |
| Tier 1 risk-based capital ratio | 16.2959% | 2,968 |
| Total risk-based capital ratio | 17.5499% | 2,918 |
| Memoranda: | ||
| Average total assets | $3,868,757,000 | 211 |
| Average earning assets | $3,121,067,400 | 222 |
| Average equity | $350,788,600 | 242 |
| Average total loans | $1,664,943,200 | 286 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4958% | 6,695 |
| Cost of funding earning assets | 0.1876% | 6,462 |
| Net interest margin | 2.3083% | 6,584 |
| Noninterest income to average assets | 10.8289% | 65 |
| Noninterest expense to average assets | 10.8336% | 71 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8516% | 477 |
| Return on assets (ROA) | 1.8524% | 489 |
| Pretax return on assets | 1.8524% | 794 |
| Return on Equity (ROE) | 20.3567% | 281 |
| Retained earnings to average equity (ytd only) | 1.5907% | 5,337 |
| Net charge-offs to loans | 0.0128% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 341.8631% | 174 |
| Efficiency ratio | 85.4034% | 1,427 |
| Assets per employee ($millions) | 0.7932% | 6,844 |
| Cash dividends to net income (ytd only)* | 92.1856% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9988% | 1,720 |
| Loan loss allowance to noncurrent loans | 269.1169% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 5,286 |
| Noncurrent loans to loans | 0.7427% | 4,362 |
| Net loans and leases to total assets | 42.4205% | 5,866 |
| Net loans and leases to deposits | 47.7349% | 5,979 |
| Net loans and leases to core deposits | 48.0060% | 6,126 |
| Total domestic deposits to total assets | 88.8669% | 1,631 |
| Equity capital to assets | 8.9112% | 5,290 |
| Core capital (leverage) ratio | 9.1567% | 4,893 |
| Tier 1 risk-based capital ratio | 16.9348% | 2,737 |
| Total risk-based capital ratio | 18.1896% | 2,698 |
| Memoranda: | ||
| Average total assets | $3,864,870,250 | 209 |
| Average earning assets | $3,108,064,250 | 219 |
| Average equity | $351,691,750 | 241 |
| Average total loans | $1,638,832,000 | 290 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3697% | 6,781 |
| Cost of funding earning assets | 0.1899% | 6,525 |
| Net interest margin | 2.1798% | 6,692 |
| Noninterest income to average assets | 10.9856% | 63 |
| Noninterest expense to average assets | 10.8347% | 69 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8955% | 424 |
| Return on assets (ROA) | 1.8966% | 459 |
| Pretax return on assets | 1.8966% | 754 |
| Return on Equity (ROE) | 20.6999% | 266 |
| Retained earnings to average equity (ytd only) | 4.6000% | 3,339 |
| Net charge-offs to loans | -0.0757% | 6,413 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1106% | 1,514 |
| Assets per employee ($millions) | 0.8024% | 6,890 |
| Cash dividends to net income (ytd only)* | 77.7775% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0845% | 1,667 |
| Loan loss allowance to noncurrent loans | 462.7602% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 5,873 |
| Noncurrent loans to loans | 0.4505% | 5,138 |
| Net loans and leases to total assets | 41.1094% | 5,959 |
| Net loans and leases to deposits | 46.3001% | 6,085 |
| Net loans and leases to core deposits | 46.5612% | 6,211 |
| Total domestic deposits to total assets | 88.7890% | 1,739 |
| Equity capital to assets | 9.0975% | 5,103 |
| Core capital (leverage) ratio | 9.2066% | 4,692 |
| Tier 1 risk-based capital ratio | 17.4384% | 2,535 |
| Total risk-based capital ratio | 18.6941% | 2,505 |
| Memoranda: | ||
| Average total assets | $3,863,984,330 | 209 |
| Average earning assets | $3,092,621,670 | 218 |
| Average equity | $354,041,000 | 241 |
| Average total loans | $1,627,080,000 | 291 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2922% | 6,871 |
| Cost of funding earning assets | 0.1960% | 6,590 |
| Net interest margin | 2.0962% | 6,811 |
| Noninterest income to average assets | 10.8531% | 64 |
| Noninterest expense to average assets | 10.6737% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8445% | 443 |
| Return on assets (ROA) | 1.8469% | 485 |
| Pretax return on assets | 1.8469% | 811 |
| Return on Equity (ROE) | 20.0848% | 289 |
| Retained earnings to average equity (ytd only) | 8.7573% | 1,467 |
| Net charge-offs to loans | 0.1015% | 2,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 43.0852% | 739 |
| Efficiency ratio | 85.2652% | 1,611 |
| Assets per employee ($millions) | 0.8121% | 6,966 |
| Cash dividends to net income (ytd only)* | 56.3984% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0526% | 1,913 |
| Loan loss allowance to noncurrent loans | 300.0904% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 5,668 |
| Noncurrent loans to loans | 0.6840% | 4,763 |
| Net loans and leases to total assets | 39.8305% | 6,013 |
| Net loans and leases to deposits | 44.7224% | 6,143 |
| Net loans and leases to core deposits | 44.9782% | 6,264 |
| Total domestic deposits to total assets | 89.0616% | 1,651 |
| Equity capital to assets | 8.9659% | 5,526 |
| Core capital (leverage) ratio | 9.2715% | 4,453 |
| Tier 1 risk-based capital ratio | 17.5313% | 2,548 |
| Total risk-based capital ratio | 18.7865% | 2,512 |
| Memoranda: | ||
| Average total assets | $3,840,086,000 | 212 |
| Average earning assets | $3,050,517,500 | 224 |
| Average equity | $353,123,500 | 247 |
| Average total loans | $1,619,447,000 | 294 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9232% | 6,808 |
| Cost of funding earning assets | 0.2810% | 6,550 |
| Net interest margin | 2.6423% | 6,594 |
| Noninterest income to average assets | 11.1502% | 65 |
| Noninterest expense to average assets | 11.4107% | 66 |
| Loan and lease loss provision to assets | -0.3565% | 7,023 |
| Net operating income to assets | 2.1532% | 279 |
| Return on assets (ROA) | 2.1680% | 297 |
| Pretax return on assets | 2.1680% | 440 |
| Return on Equity (ROE) | 23.0985% | 176 |
| Retained earnings to average equity (ytd only) | 3.6671% | 3,642 |
| Net charge-offs to loans | 0.0075% | 5,843 |
| Credit loss provision to net charge-offs | -11,016.9492% | 6,709 |
| Earnings coverage of net charge-offs (x) | 555.1780% | 74 |
| Efficiency ratio | 86.3965% | 1,392 |
| Assets per employee ($millions) | 0.7643% | 7,031 |
| Cash dividends to net income (ytd only)* | 84.1240% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 1,831 |
| Loan loss allowance to noncurrent loans | 299.5011% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 5,670 |
| Noncurrent loans to loans | 0.6925% | 4,806 |
| Net loans and leases to total assets | 42.8836% | 5,908 |
| Net loans and leases to deposits | 48.4246% | 6,081 |
| Net loans and leases to core deposits | 48.7287% | 6,225 |
| Total domestic deposits to total assets | 88.5576% | 1,866 |
| Equity capital to assets | 9.4428% | 4,947 |
| Core capital (leverage) ratio | 9.3916% | 4,265 |
| Tier 1 risk-based capital ratio | 17.7304% | 2,368 |
| Total risk-based capital ratio | 18.9865% | 2,329 |
| Memoranda: | ||
| Average total assets | $3,646,246,800 | 217 |
| Average earning assets | $2,838,839,200 | 234 |
| Average equity | $342,230,400 | 252 |
| Average total loans | $1,570,190,200 | 294 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9751% | 6,911 |
| Cost of funding earning assets | 0.2930% | 6,646 |
| Net interest margin | 2.6821% | 6,669 |
| Noninterest income to average assets | 11.1836% | 67 |
| Noninterest expense to average assets | 11.4766% | 65 |
| Loan and lease loss provision to assets | -0.4772% | 7,142 |
| Net operating income to assets | 2.2669% | 252 |
| Return on assets (ROA) | 2.2813% | 268 |
| Pretax return on assets | 2.2813% | 417 |
| Return on Equity (ROE) | 24.3438% | 157 |
| Retained earnings to average equity (ytd only) | 3.3888% | 4,482 |
| Net charge-offs to loans | 0.0446% | 5,028 |
| Credit loss provision to net charge-offs | -2,495.2015% | 6,623 |
| Earnings coverage of net charge-offs (x) | 93.5892% | 448 |
| Efficiency ratio | 86.5090% | 1,342 |
| Assets per employee ($millions) | 0.7818% | 7,128 |
| Cash dividends to net income (ytd only)* | 86.0793% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 1,803 |
| Loan loss allowance to noncurrent loans | 318.8022% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 5,829 |
| Noncurrent loans to loans | 0.6747% | 5,094 |
| Net loans and leases to total assets | 40.4524% | 6,244 |
| Net loans and leases to deposits | 45.5459% | 6,419 |
| Net loans and leases to core deposits | 45.8044% | 6,521 |
| Total domestic deposits to total assets | 88.8168% | 1,526 |
| Equity capital to assets | 9.2395% | 5,551 |
| Core capital (leverage) ratio | 9.5304% | 4,225 |
| Tier 1 risk-based capital ratio | 17.5355% | 2,529 |
| Total risk-based capital ratio | 18.7913% | 2,492 |
| Memoranda: | ||
| Average total assets | $3,632,405,500 | 220 |
| Average earning assets | $2,820,798,750 | 235 |
| Average equity | $340,404,250 | 254 |
| Average total loans | $1,557,486,500 | 297 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0505% | 6,956 |
| Cost of funding earning assets | 0.3032% | 6,727 |
| Net interest margin | 2.7473% | 6,653 |
| Noninterest income to average assets | 11.3516% | 67 |
| Noninterest expense to average assets | 11.7560% | 66 |
| Loan and lease loss provision to assets | -0.7226% | 7,219 |
| Net operating income to assets | 2.4424% | 192 |
| Return on assets (ROA) | 2.4493% | 218 |
| Pretax return on assets | 2.4493% | 319 |
| Return on Equity (ROE) | 26.0099% | 134 |
| Retained earnings to average equity (ytd only) | 2.3994% | 4,995 |
| Net charge-offs to loans | -0.0238% | 6,468 |
| Credit loss provision to net charge-offs | 6,989.2473% | 43 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2376% | 1,313 |
| Assets per employee ($millions) | 0.7552% | 7,193 |
| Cash dividends to net income (ytd only)* | 90.7750% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1540% | 1,874 |
| Loan loss allowance to noncurrent loans | 296.2190% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 5,812 |
| Noncurrent loans to loans | 0.7272% | 5,050 |
| Net loans and leases to total assets | 42.6510% | 6,134 |
| Net loans and leases to deposits | 48.1371% | 6,302 |
| Net loans and leases to core deposits | 48.4573% | 6,433 |
| Total domestic deposits to total assets | 88.6032% | 1,756 |
| Equity capital to assets | 9.4097% | 5,180 |
| Core capital (leverage) ratio | 9.4192% | 4,272 |
| Tier 1 risk-based capital ratio | 17.9779% | 2,296 |
| Total risk-based capital ratio | 19.2352% | 2,266 |
| Memoranda: | ||
| Average total assets | $3,598,121,330 | 223 |
| Average earning assets | $2,782,144,330 | 241 |
| Average equity | $338,832,670 | 253 |
| Average total loans | $1,561,909,330 | 294 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0982% | 7,001 |
| Cost of funding earning assets | 0.3150% | 6,796 |
| Net interest margin | 2.7831% | 6,662 |
| Noninterest income to average assets | 11.5508% | 66 |
| Noninterest expense to average assets | 11.6471% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0442% | 386 |
| Return on assets (ROA) | 2.0582% | 434 |
| Pretax return on assets | 2.0582% | 676 |
| Return on Equity (ROE) | 21.8481% | 278 |
| Retained earnings to average equity (ytd only) | 7.0667% | 2,402 |
| Net charge-offs to loans | 0.0777% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 60.7616% | 547 |
| Efficiency ratio | 85.0695% | 1,573 |
| Assets per employee ($millions) | 0.7683% | 7,259 |
| Cash dividends to net income (ytd only)* | 67.6553% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9878% | 842 |
| Loan loss allowance to noncurrent loans | 325.6083% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 5,645 |
| Noncurrent loans to loans | 0.9176% | 4,831 |
| Net loans and leases to total assets | 40.8322% | 6,279 |
| Net loans and leases to deposits | 45.7905% | 6,443 |
| Net loans and leases to core deposits | 46.1261% | 6,560 |
| Total domestic deposits to total assets | 89.1718% | 1,587 |
| Equity capital to assets | 9.2326% | 5,184 |
| Core capital (leverage) ratio | 9.4922% | 4,059 |
| Tier 1 risk-based capital ratio | 17.9479% | 2,310 |
| Total risk-based capital ratio | 19.2132% | 2,282 |
| Memoranda: | ||
| Average total assets | $3,590,686,000 | 223 |
| Average earning assets | $2,761,627,000 | 239 |
| Average equity | $338,263,000 | 246 |
| Average total loans | $1,555,414,000 | 290 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 6,864 |
| Cost of funding earning assets | 0.4982% | 6,542 |
| Net interest margin | 3.1851% | 6,140 |
| Noninterest income to average assets | 11.6835% | 57 |
| Noninterest expense to average assets | 11.4737% | 66 |
| Loan and lease loss provision to assets | 0.4466% | 2,369 |
| Net operating income to assets | 2.1147% | 259 |
| Return on assets (ROA) | 2.1255% | 273 |
| Pretax return on assets | 2.1255% | 426 |
| Return on Equity (ROE) | 20.3203% | 252 |
| Retained earnings to average equity (ytd only) | -9.3828% | 6,683 |
| Net charge-offs to loans | 1.1857% | 1,422 |
| Credit loss provision to net charge-offs | 82.7708% | 4,336 |
| Earnings coverage of net charge-offs (x) | 4.7466% | 2,990 |
| Efficiency ratio | 81.2664% | 2,123 |
| Assets per employee ($millions) | 0.7328% | 7,310 |
| Cash dividends to net income (ytd only)* | 146.1747% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0024% | 815 |
| Loan loss allowance to noncurrent loans | 286.5016% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 5,651 |
| Noncurrent loans to loans | 1.0479% | 4,612 |
| Net loans and leases to total assets | 43.2783% | 6,265 |
| Net loans and leases to deposits | 48.7446% | 6,446 |
| Net loans and leases to core deposits | 49.1440% | 6,578 |
| Total domestic deposits to total assets | 88.7859% | 1,666 |
| Equity capital to assets | 9.6195% | 4,718 |
| Core capital (leverage) ratio | 9.7345% | 3,696 |
| Tier 1 risk-based capital ratio | 17.7389% | 2,288 |
| Total risk-based capital ratio | 19.0046% | 2,251 |
| Memoranda: | ||
| Average total assets | $3,459,151,200 | 222 |
| Average earning assets | $2,553,829,000 | 253 |
| Average equity | $361,821,000 | 233 |
| Average total loans | $1,574,255,000 | 292 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 6,899 |
| Cost of funding earning assets | 0.5394% | 6,547 |
| Net interest margin | 3.1966% | 6,166 |
| Noninterest income to average assets | 11.7908% | 57 |
| Noninterest expense to average assets | 11.4125% | 65 |
| Loan and lease loss provision to assets | 0.5968% | 1,654 |
| Net operating income to assets | 2.1233% | 283 |
| Return on assets (ROA) | 2.1374% | 296 |
| Pretax return on assets | 2.1374% | 482 |
| Return on Equity (ROE) | 20.0281% | 314 |
| Retained earnings to average equity (ytd only) | -8.0123% | 6,763 |
| Net charge-offs to loans | 1.4289% | 1,035 |
| Credit loss provision to net charge-offs | 91.3229% | 3,731 |
| Earnings coverage of net charge-offs (x) | 4.1623% | 3,158 |
| Efficiency ratio | 80.7534% | 2,152 |
| Assets per employee ($millions) | 0.7345% | 7,389 |
| Cash dividends to net income (ytd only)* | 140.0054% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2110% | 713 |
| Loan loss allowance to noncurrent loans | 142.1181% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 4,716 |
| Noncurrent loans to loans | 2.2594% | 3,044 |
| Net loans and leases to total assets | 42.1842% | 6,492 |
| Net loans and leases to deposits | 47.7523% | 6,632 |
| Net loans and leases to core deposits | 48.1363% | 6,752 |
| Total domestic deposits to total assets | 88.3395% | 1,850 |
| Equity capital to assets | 10.0219% | 4,311 |
| Core capital (leverage) ratio | 10.1881% | 3,206 |
| Tier 1 risk-based capital ratio | 18.5601% | 2,076 |
| Total risk-based capital ratio | 19.8276% | 2,028 |
| Memoranda: | ||
| Average total assets | $3,451,723,250 | 220 |
| Average earning assets | $2,528,730,000 | 252 |
| Average equity | $368,373,250 | 234 |
| Average total loans | $1,578,654,000 | 287 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8936% | 6,808 |
| Cost of funding earning assets | 0.5842% | 6,527 |
| Net interest margin | 3.3094% | 5,831 |
| Noninterest income to average assets | 11.8671% | 57 |
| Noninterest expense to average assets | 11.2902% | 65 |
| Loan and lease loss provision to assets | 0.7585% | 1,229 |
| Net operating income to assets | 2.1776% | 270 |
| Return on assets (ROA) | 2.1662% | 281 |
| Pretax return on assets | 2.1662% | 437 |
| Return on Equity (ROE) | 19.8915% | 319 |
| Retained earnings to average equity (ytd only) | 6.5733% | 2,097 |
| Net charge-offs to loans | 1.7611% | 807 |
| Credit loss provision to net charge-offs | 92.7173% | 3,386 |
| Earnings coverage of net charge-offs (x) | 3.5889% | 3,117 |
| Efficiency ratio | 79.3612% | 2,497 |
| Assets per employee ($millions) | 0.7372% | 7,461 |
| Cash dividends to net income (ytd only)* | 66.9541% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0787% | 831 |
| Loan loss allowance to noncurrent loans | 66.5914% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 2.1874% | 3,002 |
| Noncurrent loans to loans | 4.6233% | 1,428 |
| Net loans and leases to total assets | 44.8861% | 6,362 |
| Net loans and leases to deposits | 51.5028% | 6,504 |
| Net loans and leases to core deposits | 51.9609% | 6,666 |
| Total domestic deposits to total assets | 87.1526% | 2,656 |
| Equity capital to assets | 11.0732% | 2,883 |
| Core capital (leverage) ratio | 11.0048% | 2,246 |
| Tier 1 risk-based capital ratio | 20.4243% | 1,529 |
| Total risk-based capital ratio | 21.6921% | 1,496 |
| Memoranda: | ||
| Average total assets | $3,447,439,330 | 224 |
| Average earning assets | $2,457,732,000 | 260 |
| Average equity | $375,426,000 | 232 |
| Average total loans | $1,601,543,000 | 290 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 7,016 |
| Cost of funding earning assets | 0.5928% | 6,631 |
| Net interest margin | 3.1565% | 6,201 |
| Noninterest income to average assets | 10.5069% | 66 |
| Noninterest expense to average assets | 9.8380% | 78 |
| Loan and lease loss provision to assets | 0.6056% | 1,419 |
| Net operating income to assets | 2.3785% | 203 |
| Return on assets (ROA) | 2.3546% | 220 |
| Pretax return on assets | 2.3546% | 312 |
| Return on Equity (ROE) | 21.7964% | 254 |
| Retained earnings to average equity (ytd only) | 21.7964% | 137 |
| Net charge-offs to loans | 1.2706% | 1,089 |
| Credit loss provision to net charge-offs | 102.8807% | 2,579 |
| Earnings coverage of net charge-offs (x) | 5.0693% | 2,342 |
| Efficiency ratio | 76.7268% | 3,026 |
| Assets per employee ($millions) | 0.8807% | 7,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2609% | 736 |
| Loan loss allowance to noncurrent loans | 94.8536% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5732% | 3,889 |
| Noncurrent loans to loans | 3.4378% | 2,184 |
| Net loans and leases to total assets | 43.1354% | 6,534 |
| Net loans and leases to deposits | 49.3505% | 6,662 |
| Net loans and leases to core deposits | 49.8906% | 6,778 |
| Total domestic deposits to total assets | 87.4062% | 2,708 |
| Equity capital to assets | 10.8646% | 2,811 |
| Core capital (leverage) ratio | 11.1654% | 2,059 |
| Tier 1 risk-based capital ratio | 19.7984% | 1,628 |
| Total risk-based capital ratio | 21.0659% | 1,600 |
| Memoranda: | ||
| Average total assets | $3,302,409,000 | 231 |
| Average earning assets | $2,422,327,500 | 266 |
| Average equity | $356,755,500 | 232 |
| Average total loans | $1,529,969,500 | 304 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 5,875 |
| Cost of funding earning assets | 0.8359% | 6,417 |
| Net interest margin | 3.8408% | 3,774 |
| Noninterest income to average assets | 11.3742% | 60 |
| Noninterest expense to average assets | 10.8227% | 71 |
| Loan and lease loss provision to assets | 1.0117% | 1,607 |
| Net operating income to assets | 2.4090% | 129 |
| Return on assets (ROA) | 2.6929% | 97 |
| Pretax return on assets | 2.6929% | 154 |
| Return on Equity (ROE) | 27.4855% | 61 |
| Retained earnings to average equity (ytd only) | -5.7157% | 6,359 |
| Net charge-offs to loans | 1.7366% | 1,243 |
| Credit loss provision to net charge-offs | 112.2936% | 3,892 |
| Earnings coverage of net charge-offs (x) | 3.7968% | 3,184 |
| Efficiency ratio | 75.9366% | 3,065 |
| Assets per employee ($millions) | 0.8492% | 7,599 |
| Cash dividends to net income (ytd only)* | 120.7953% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1689% | 755 |
| Loan loss allowance to noncurrent loans | 132.8356% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 4,607 |
| Noncurrent loans to loans | 2.3856% | 3,132 |
| Net loans and leases to total assets | 46.6337% | 6,506 |
| Net loans and leases to deposits | 52.6228% | 6,702 |
| Net loans and leases to core deposits | 53.4361% | 6,841 |
| Total domestic deposits to total assets | 88.6189% | 1,879 |
| Equity capital to assets | 10.7379% | 2,913 |
| Core capital (leverage) ratio | 10.8834% | 2,241 |
| Tier 1 risk-based capital ratio | 18.9133% | 1,740 |
| Total risk-based capital ratio | 20.1809% | 1,704 |
| Memoranda: | ||
| Average total assets | $3,212,470,000 | 236 |
| Average earning assets | $2,399,740,800 | 265 |
| Average equity | $314,748,200 | 250 |
| Average total loans | $1,666,569,200 | 287 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8550% | 5,451 |
| Cost of funding earning assets | 0.8920% | 6,425 |
| Net interest margin | 3.9630% | 3,276 |
| Noninterest income to average assets | 11.6940% | 57 |
| Noninterest expense to average assets | 11.0437% | 68 |
| Loan and lease loss provision to assets | 1.1834% | 1,213 |
| Net operating income to assets | 2.4365% | 155 |
| Return on assets (ROA) | 2.8134% | 101 |
| Pretax return on assets | 2.8134% | 152 |
| Return on Equity (ROE) | 29.4221% | 56 |
| Retained earnings to average equity (ytd only) | -15.9542% | 7,108 |
| Net charge-offs to loans | 1.8069% | 1,069 |
| Credit loss provision to net charge-offs | 124.0155% | 3,305 |
| Earnings coverage of net charge-offs (x) | 3.7936% | 3,294 |
| Efficiency ratio | 75.2524% | 3,093 |
| Assets per employee ($millions) | 0.8832% | 7,704 |
| Cash dividends to net income (ytd only)* | 154.2253% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1829% | 708 |
| Loan loss allowance to noncurrent loans | 110.1622% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.5209% | 4,171 |
| Noncurrent loans to loans | 2.8893% | 2,765 |
| Net loans and leases to total assets | 47.3688% | 6,574 |
| Net loans and leases to deposits | 53.6690% | 6,788 |
| Net loans and leases to core deposits | 54.5305% | 6,930 |
| Total domestic deposits to total assets | 88.2611% | 1,820 |
| Equity capital to assets | 10.0920% | 4,036 |
| Core capital (leverage) ratio | 10.4143% | 2,787 |
| Tier 1 risk-based capital ratio | 17.0459% | 2,327 |
| Total risk-based capital ratio | 18.3134% | 2,281 |
| Memoranda: | ||
| Average total assets | $3,211,137,250 | 231 |
| Average earning assets | $2,406,137,250 | 264 |
| Average equity | $307,054,250 | 249 |
| Average total loans | $1,695,789,250 | 278 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 4,903 |
| Cost of funding earning assets | 0.9419% | 6,419 |
| Net interest margin | 4.0676% | 2,711 |
| Noninterest income to average assets | 11.3817% | 60 |
| Noninterest expense to average assets | 10.0983% | 77 |
| Loan and lease loss provision to assets | 1.1605% | 1,228 |
| Net operating income to assets | 3.2086% | 69 |
| Return on assets (ROA) | 3.6294% | 54 |
| Pretax return on assets | 3.6294% | 84 |
| Return on Equity (ROE) | 38.6910% | 26 |
| Retained earnings to average equity (ytd only) | -31.1881% | 7,436 |
| Net charge-offs to loans | 1.7197% | 1,085 |
| Credit loss provision to net charge-offs | 124.6379% | 3,246 |
| Earnings coverage of net charge-offs (x) | 4.6926% | 2,879 |
| Efficiency ratio | 69.7063% | 4,244 |
| Assets per employee ($millions) | 0.8336% | 7,776 |
| Cash dividends to net income (ytd only)* | 180.6084% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9474% | 868 |
| Loan loss allowance to noncurrent loans | 165.9539% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0282% | 5,081 |
| Noncurrent loans to loans | 1.7760% | 4,030 |
| Net loans and leases to total assets | 51.6291% | 6,251 |
| Net loans and leases to deposits | 57.2506% | 6,637 |
| Net loans and leases to core deposits | 58.3495% | 6,808 |
| Total domestic deposits to total assets | 90.1809% | 826 |
| Equity capital to assets | 8.9324% | 5,553 |
| Core capital (leverage) ratio | 8.6943% | 5,083 |
| Tier 1 risk-based capital ratio | 14.0345% | 3,706 |
| Total risk-based capital ratio | 15.2998% | 3,659 |
| Memoranda: | ||
| Average total assets | $3,188,400,000 | 233 |
| Average earning assets | $2,418,747,330 | 265 |
| Average equity | $299,088,000 | 252 |
| Average total loans | $1,726,233,000 | 276 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9596% | 1,056 |
| Cost of funding earning assets | 1.0263% | 6,243 |
| Net interest margin | 4.9333% | 484 |
| Noninterest income to average assets | 10.8934% | 64 |
| Noninterest expense to average assets | 10.2886% | 72 |
| Loan and lease loss provision to assets | 1.4937% | 780 |
| Net operating income to assets | 2.8410% | 104 |
| Return on assets (ROA) | 2.9508% | 104 |
| Pretax return on assets | 2.9508% | 145 |
| Return on Equity (ROE) | 30.7393% | 84 |
| Retained earnings to average equity (ytd only) | -66.5164% | 7,751 |
| Net charge-offs to loans | 1.7602% | 985 |
| Credit loss provision to net charge-offs | 155.4203% | 2,300 |
| Earnings coverage of net charge-offs (x) | 4.5102% | 2,616 |
| Efficiency ratio | 70.1720% | 4,269 |
| Assets per employee ($millions) | 0.8003% | 7,881 |
| Cash dividends to net income (ytd only)* | 316.3889% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9038% | 896 |
| Loan loss allowance to noncurrent loans | 295.4990% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 6,056 |
| Noncurrent loans to loans | 0.9827% | 5,359 |
| Net loans and leases to total assets | 51.5196% | 6,318 |
| Net loans and leases to deposits | 56.8949% | 6,708 |
| Net loans and leases to core deposits | 58.0452% | 6,879 |
| Total domestic deposits to total assets | 90.5522% | 712 |
| Equity capital to assets | 8.7351% | 5,680 |
| Core capital (leverage) ratio | 8.3635% | 5,620 |
| Tier 1 risk-based capital ratio | 13.3276% | 4,104 |
| Total risk-based capital ratio | 14.5922% | 4,049 |
| Memoranda: | ||
| Average total assets | $3,213,409,000 | 240 |
| Average earning assets | $2,429,621,000 | 270 |
| Average equity | $308,465,500 | 252 |
| Average total loans | $1,754,586,500 | 285 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3899% | 850 |
| Cost of funding earning assets | 1.4936% | 5,538 |
| Net interest margin | 4.8963% | 561 |
| Noninterest income to average assets | 10.7218% | 65 |
| Noninterest expense to average assets | 10.2943% | 97 |
| Loan and lease loss provision to assets | 1.5706% | 1,463 |
| Net operating income to assets | 2.8587% | 61 |
| Return on assets (ROA) | 2.9829% | 60 |
| Pretax return on assets | 2.9829% | 100 |
| Return on Equity (ROE) | 30.4273% | 47 |
| Retained earnings to average equity (ytd only) | 7.2853% | 880 |
| Net charge-offs to loans | 1.6108% | 1,569 |
| Credit loss provision to net charge-offs | 160.9285% | 2,763 |
| Earnings coverage of net charge-offs (x) | 4.5384% | 2,912 |
| Efficiency ratio | 69.8993% | 4,651 |
| Assets per employee ($millions) | 0.7753% | 7,965 |
| Cash dividends to net income (ytd only)* | 76.0565% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5402% | 1,177 |
| Loan loss allowance to noncurrent loans | 1,582.1466% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 7,001 |
| Noncurrent loans to loans | 0.1606% | 7,026 |
| Net loans and leases to total assets | 54.7370% | 6,119 |
| Net loans and leases to deposits | 61.5982% | 6,508 |
| Net loans and leases to core deposits | 68.6625% | 6,840 |
| Total domestic deposits to total assets | 88.8613% | 1,542 |
| Equity capital to assets | 10.4747% | 3,213 |
| Core capital (leverage) ratio | 10.0695% | 3,021 |
| Tier 1 risk-based capital ratio | 15.3342% | 2,790 |
| Total risk-based capital ratio | 16.5954% | 2,741 |
| Memoranda: | ||
| Average total assets | $3,151,612,000 | 237 |
| Average earning assets | $2,575,862,600 | 263 |
| Average equity | $308,962,600 | 243 |
| Average total loans | $1,909,530,600 | 273 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3710% | 982 |
| Cost of funding earning assets | 1.5873% | 5,459 |
| Net interest margin | 4.7836% | 710 |
| Noninterest income to average assets | 10.6220% | 69 |
| Noninterest expense to average assets | 10.3422% | 97 |
| Loan and lease loss provision to assets | 1.4431% | 1,331 |
| Net operating income to assets | 2.7997% | 70 |
| Return on assets (ROA) | 2.9358% | 73 |
| Pretax return on assets | 2.9358% | 115 |
| Return on Equity (ROE) | 30.4778% | 57 |
| Retained earnings to average equity (ytd only) | 15.9373% | 132 |
| Net charge-offs to loans | 1.3211% | 1,549 |
| Credit loss provision to net charge-offs | 177.0004% | 2,606 |
| Earnings coverage of net charge-offs (x) | 5.2039% | 2,897 |
| Efficiency ratio | 70.8919% | 4,443 |
| Assets per employee ($millions) | 0.7821% | 8,046 |
| Cash dividends to net income (ytd only)* | 47.7085% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2187% | 1,388 |
| Loan loss allowance to noncurrent loans | 524.1935% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 6,563 |
| Noncurrent loans to loans | 0.4233% | 6,487 |
| Net loans and leases to total assets | 57.2153% | 6,004 |
| Net loans and leases to deposits | 65.0182% | 6,401 |
| Net loans and leases to core deposits | 74.1531% | 6,721 |
| Total domestic deposits to total assets | 87.9989% | 1,653 |
| Equity capital to assets | 9.6195% | 4,599 |
| Core capital (leverage) ratio | 9.2732% | 4,227 |
| Tier 1 risk-based capital ratio | 13.7669% | 3,679 |
| Total risk-based capital ratio | 15.0250% | 3,620 |
| Memoranda: | ||
| Average total assets | $3,141,324,750 | 248 |
| Average earning assets | $2,602,384,250 | 270 |
| Average equity | $302,595,250 | 258 |
| Average total loans | $1,938,620,750 | 285 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 6,636 |
| Cost of funding earning assets | 1.6368% | 5,578 |
| Net interest margin | 3.4076% | 5,133 |
| Noninterest income to average assets | 11.6656% | 66 |
| Noninterest expense to average assets | 10.3938% | 108 |
| Loan and lease loss provision to assets | 1.2499% | 1,368 |
| Net operating income to assets | 2.9138% | 67 |
| Return on assets (ROA) | 3.0483% | 62 |
| Pretax return on assets | 3.0483% | 96 |
| Return on Equity (ROE) | 31.6302% | 58 |
| Retained earnings to average equity (ytd only) | 17.9959% | 106 |
| Net charge-offs to loans | 1.1998% | 1,527 |
| Credit loss provision to net charge-offs | 165.8586% | 2,765 |
| Earnings coverage of net charge-offs (x) | 5.5252% | 2,816 |
| Efficiency ratio | 71.3790% | 4,529 |
| Assets per employee ($millions) | 0.7959% | 8,142 |
| Cash dividends to net income (ytd only)* | 43.1053% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 2,109 |
| Loan loss allowance to noncurrent loans | 176.0970% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0596% | 4,850 |
| Noncurrent loans to loans | 1.0098% | 5,186 |
| Net loans and leases to total assets | 59.7533% | 5,720 |
| Net loans and leases to deposits | 68.2235% | 6,164 |
| Net loans and leases to core deposits | 78.6990% | 6,502 |
| Total domestic deposits to total assets | 87.5848% | 1,975 |
| Equity capital to assets | 10.0375% | 3,889 |
| Core capital (leverage) ratio | 9.5965% | 3,765 |
| Tier 1 risk-based capital ratio | 13.9063% | 3,574 |
| Total risk-based capital ratio | 15.1598% | 3,507 |
| Memoranda: | ||
| Average total assets | $3,120,314,670 | 256 |
| Average earning assets | $2,648,129,670 | 269 |
| Average equity | $300,712,670 | 261 |
| Average total loans | $1,959,833,670 | 290 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1574% | 6,457 |
| Cost of funding earning assets | 1.7133% | 5,547 |
| Net interest margin | 3.4441% | 4,963 |
| Noninterest income to average assets | 11.2540% | 62 |
| Noninterest expense to average assets | 10.5526% | 105 |
| Loan and lease loss provision to assets | 1.1027% | 1,183 |
| Net operating income to assets | 2.4976% | 138 |
| Return on assets (ROA) | 2.7224% | 111 |
| Pretax return on assets | 2.7224% | 169 |
| Return on Equity (ROE) | 28.8700% | 117 |
| Retained earnings to average equity (ytd only) | 17.1768% | 264 |
| Net charge-offs to loans | 1.0093% | 1,332 |
| Credit loss provision to net charge-offs | 171.1639% | 2,502 |
| Earnings coverage of net charge-offs (x) | 5.5886% | 2,647 |
| Efficiency ratio | 74.5376% | 3,725 |
| Assets per employee ($millions) | 0.8026% | 8,196 |
| Cash dividends to net income (ytd only)* | 40.5032% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 2,772 |
| Loan loss allowance to noncurrent loans | 264.1278% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 5,614 |
| Noncurrent loans to loans | 0.5822% | 5,941 |
| Net loans and leases to total assets | 59.9907% | 5,651 |
| Net loans and leases to deposits | 67.9418% | 6,191 |
| Net loans and leases to core deposits | 77.8083% | 6,550 |
| Total domestic deposits to total assets | 88.2972% | 1,580 |
| Equity capital to assets | 9.1222% | 5,200 |
| Core capital (leverage) ratio | 9.3218% | 4,212 |
| Tier 1 risk-based capital ratio | 12.4459% | 4,575 |
| Total risk-based capital ratio | 13.6966% | 4,501 |
| Memoranda: | ||
| Average total assets | $3,083,424,000 | 260 |
| Average earning assets | $2,595,255,000 | 278 |
| Average equity | $290,765,000 | 270 |
| Average total loans | $1,968,185,000 | 289 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0515% | 5,291 |
| Cost of funding earning assets | 2.0033% | 6,408 |
| Net interest margin | 4.0482% | 2,913 |
| Noninterest income to average assets | 11.3778% | 71 |
| Noninterest expense to average assets | 11.2490% | 119 |
| Loan and lease loss provision to assets | 0.4025% | 3,269 |
| Net operating income to assets | 3.1120% | 64 |
| Return on assets (ROA) | 3.2805% | 57 |
| Pretax return on assets | 3.2805% | 81 |
| Return on Equity (ROE) | 35.9890% | 24 |
| Retained earnings to average equity (ytd only) | 18.8502% | 42 |
| Net charge-offs to loans | 0.2605% | 3,675 |
| Credit loss provision to net charge-offs | 230.4579% | 2,065 |
| Earnings coverage of net charge-offs (x) | 20.1244% | 1,593 |
| Efficiency ratio | 76.1689% | 3,211 |
| Assets per employee ($millions) | 0.6984% | 8,253 |
| Cash dividends to net income (ytd only)* | 47.6223% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 3,389 |
| Loan loss allowance to noncurrent loans | 209.7895% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 5,368 |
| Noncurrent loans to loans | 0.6509% | 5,416 |
| Net loans and leases to total assets | 66.1268% | 4,822 |
| Net loans and leases to deposits | 75.3975% | 5,670 |
| Net loans and leases to core deposits | 84.6644% | 6,237 |
| Total domestic deposits to total assets | 87.7042% | 1,606 |
| Equity capital to assets | 9.7703% | 4,330 |
| Core capital (leverage) ratio | 9.7672% | 3,690 |
| Tier 1 risk-based capital ratio | 12.1399% | 4,711 |
| Total risk-based capital ratio | 13.3216% | 4,646 |
| Memoranda: | ||
| Average total assets | $2,688,399,000 | 282 |
| Average earning assets | $2,248,416,600 | 299 |
| Average equity | $245,058,400 | 311 |
| Average total loans | $1,802,008,400 | 302 |