Home > Citizens Business Bank > Performance and Condition Ratios
Citizens Business Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 3,718 |
| Cost of funding earning assets | 0.8106% | 3,706 |
| Net interest margin | 3.3423% | 2,531 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 1.3708% | 4,405 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.3947% | 1,225 |
| Return on assets (ROA) | 1.3981% | 1,193 |
| Pretax return on assets | 1.9918% | 685 |
| Return on Equity (ROE) | 11.4700% | 2,105 |
| Retained earnings to average equity (ytd only) | 5.0504% | 2,592 |
| Net charge-offs to loans | 0.0031% | 2,669 |
| Credit loss provision to net charge-offs | 727.2727% | 517 |
| Earnings coverage of net charge-offs (x) | 1,178.4873% | 137 |
| Efficiency ratio | 39.5261% | 4,372 |
| Assets per employee ($millions) | 15.2348% | 201 |
| Cash dividends to net income (ytd only)* | 55.9639% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 3,437 |
| Loan loss allowance to noncurrent loans | 407.6706% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 2,640 |
| Noncurrent loans to loans | 0.2392% | 2,354 |
| Net loans and leases to total assets | 55.0200% | 3,277 |
| Net loans and leases to deposits | 76.7835% | 2,371 |
| Net loans and leases to core deposits | 78.1803% | 2,826 |
| Total domestic deposits to total assets | 71.6600% | 4,238 |
| Equity capital to assets | 12.8649% | 884 |
| Core capital (leverage) ratio | 10.1677% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3436% | 1,429 |
| Memoranda: | ||
| Average total assets | $16,231,107,000 | 113 |
| Average earning assets | $14,600,176,000 | 113 |
| Average equity | $1,978,679,400 | 97 |
| Average total loans | $8,942,364,000 | 134 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 3,696 |
| Cost of funding earning assets | 0.7243% | 3,712 |
| Net interest margin | 3.3532% | 2,563 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.2946% | 4,449 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4494% | 1,222 |
| Return on assets (ROA) | 1.4497% | 1,203 |
| Pretax return on assets | 2.0200% | 738 |
| Return on Equity (ROE) | 12.0600% | 2,108 |
| Retained earnings to average equity (ytd only) | 5.3140% | 2,840 |
| Net charge-offs to loans | 0.0018% | 2,518 |
| Credit loss provision to net charge-offs | 3,278.6885% | 146 |
| Earnings coverage of net charge-offs (x) | 2,054.3770% | 67 |
| Efficiency ratio | 37.4549% | 4,417 |
| Assets per employee ($millions) | 15.2027% | 190 |
| Cash dividends to net income (ytd only)* | 55.9218% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,352 |
| Loan loss allowance to noncurrent loans | 893.2550% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,196 |
| Noncurrent loans to loans | 0.1122% | 3,015 |
| Net loans and leases to total assets | 55.2700% | 3,267 |
| Net loans and leases to deposits | 70.9193% | 2,781 |
| Net loans and leases to core deposits | 71.5481% | 3,127 |
| Total domestic deposits to total assets | 77.9300% | 3,825 |
| Equity capital to assets | 12.1770% | 991 |
| Core capital (leverage) ratio | 9.9099% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1172% | 1,527 |
| Memoranda: | ||
| Average total assets | $16,282,123,000 | 116 |
| Average earning assets | $14,657,251,500 | 115 |
| Average equity | $1,957,884,250 | 99 |
| Average total loans | $8,951,727,500 | 135 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,794 |
| Cost of funding earning assets | 0.6320% | 3,676 |
| Net interest margin | 3.3147% | 2,714 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.2681% | 4,487 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.4311% | 1,257 |
| Return on assets (ROA) | 1.4359% | 1,233 |
| Pretax return on assets | 2.0008% | 751 |
| Return on Equity (ROE) | 11.9900% | 2,162 |
| Retained earnings to average equity (ytd only) | 4.7639% | 3,006 |
| Net charge-offs to loans | 0.0033% | 2,200 |
| Credit loss provision to net charge-offs | 1,333.3333% | 335 |
| Earnings coverage of net charge-offs (x) | 1,110.3333% | 126 |
| Efficiency ratio | 37.1789% | 4,443 |
| Assets per employee ($millions) | 15.8013% | 164 |
| Cash dividends to net income (ytd only)* | 60.2686% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 3,514 |
| Loan loss allowance to noncurrent loans | 1,347.4899% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,387 |
| Noncurrent loans to loans | 0.0725% | 3,179 |
| Net loans and leases to total assets | 53.5200% | 3,298 |
| Net loans and leases to deposits | 70.9514% | 2,722 |
| Net loans and leases to core deposits | 71.5719% | 3,035 |
| Total domestic deposits to total assets | 75.4300% | 4,090 |
| Equity capital to assets | 12.0591% | 1,031 |
| Core capital (leverage) ratio | 9.7296% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8040% | 1,622 |
| Memoranda: | ||
| Average total assets | $16,408,823,333 | 112 |
| Average earning assets | $14,798,383,333 | 111 |
| Average equity | $1,965,048,333 | 96 |
| Average total loans | $8,976,426,000 | 132 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 3,749 |
| Cost of funding earning assets | 0.4617% | 3,803 |
| Net interest margin | 3.4024% | 2,629 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.2807% | 4,549 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.4674% | 1,246 |
| Return on assets (ROA) | 1.4816% | 1,197 |
| Pretax return on assets | 2.0645% | 692 |
| Return on Equity (ROE) | 12.4200% | 2,110 |
| Retained earnings to average equity (ytd only) | 3.6127% | 3,367 |
| Net charge-offs to loans | 0.0034% | 1,883 |
| Credit loss provision to net charge-offs | 1,948.0519% | 202 |
| Earnings coverage of net charge-offs (x) | 1,113.8442% | 92 |
| Efficiency ratio | 36.6911% | 4,525 |
| Assets per employee ($millions) | 15.6456% | 177 |
| Cash dividends to net income (ytd only)* | 70.9021% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 3,642 |
| Loan loss allowance to noncurrent loans | 1,401.4575% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,407 |
| Noncurrent loans to loans | 0.0691% | 3,236 |
| Net loans and leases to total assets | 54.4300% | 3,163 |
| Net loans and leases to deposits | 71.9645% | 2,471 |
| Net loans and leases to core deposits | 72.3393% | 2,792 |
| Total domestic deposits to total assets | 75.6300% | 4,182 |
| Equity capital to assets | 12.1502% | 953 |
| Core capital (leverage) ratio | 9.6086% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5366% | 1,784 |
| Memoranda: | ||
| Average total assets | $16,372,850,500 | 113 |
| Average earning assets | $14,780,792,500 | 112 |
| Average equity | $1,953,859,000 | 100 |
| Average total loans | $9,010,940,500 | 135 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4109% | 3,315 |
| Cost of funding earning assets | 0.0608% | 4,541 |
| Net interest margin | 3.3501% | 2,423 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.2601% | 4,577 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.4604% | 982 |
| Return on assets (ROA) | 1.4488% | 968 |
| Pretax return on assets | 2.0215% | 460 |
| Return on Equity (ROE) | 12.3000% | 2,037 |
| Retained earnings to average equity (ytd only) | 2.3279% | 3,911 |
| Net charge-offs to loans | -0.0104% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 36.1466% | 4,601 |
| Assets per employee ($millions) | 15.9325% | 168 |
| Cash dividends to net income (ytd only)* | 81.0770% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 3,637 |
| Loan loss allowance to noncurrent loans | 1,726.5112% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,513 |
| Noncurrent loans to loans | 0.0543% | 3,366 |
| Net loans and leases to total assets | 54.6000% | 3,146 |
| Net loans and leases to deposits | 69.8569% | 2,593 |
| Net loans and leases to core deposits | 70.2784% | 2,856 |
| Total domestic deposits to total assets | 78.1500% | 4,076 |
| Equity capital to assets | 11.7195% | 1,017 |
| Core capital (leverage) ratio | 9.4236% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2166% | 1,888 |
| Memoranda: | ||
| Average total assets | $16,600,314,000 | 113 |
| Average earning assets | $15,088,752,400 | 113 |
| Average equity | $1,955,026,200 | 105 |
| Average total loans | $8,605,030,800 | 138 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2803% | 3,236 |
| Cost of funding earning assets | 0.0391% | 4,616 |
| Net interest margin | 3.2411% | 2,495 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.2560% | 4,599 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.4029% | 1,086 |
| Return on assets (ROA) | 1.3873% | 1,094 |
| Pretax return on assets | 1.9304% | 544 |
| Return on Equity (ROE) | 11.7700% | 2,110 |
| Retained earnings to average equity (ytd only) | -1.4920% | 4,458 |
| Net charge-offs to loans | -0.0138% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 36.9662% | 4,632 |
| Assets per employee ($millions) | 15.7188% | 176 |
| Cash dividends to net income (ytd only)* | 112.6816% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 3,729 |
| Loan loss allowance to noncurrent loans | 816.4574% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 3,267 |
| Noncurrent loans to loans | 0.1153% | 3,067 |
| Net loans and leases to total assets | 53.1700% | 3,168 |
| Net loans and leases to deposits | 62.3568% | 2,995 |
| Net loans and leases to core deposits | 62.7351% | 3,203 |
| Total domestic deposits to total assets | 85.2600% | 3,229 |
| Equity capital to assets | 11.2221% | 1,090 |
| Core capital (leverage) ratio | 8.8066% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9133% | 2,089 |
| Memoranda: | ||
| Average total assets | $16,631,832,750 | 114 |
| Average earning assets | $15,142,609,250 | 113 |
| Average equity | $1,961,107,500 | 106 |
| Average total loans | $8,486,440,500 | 140 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1065% | 3,289 |
| Cost of funding earning assets | 0.0339% | 4,677 |
| Net interest margin | 3.0726% | 2,641 |
| Noninterest income to average assets | 0.3252% | 3,222 |
| Noninterest expense to average assets | 1.2598% | 4,606 |
| Loan and lease loss provision to assets | 0.0729% | 1,319 |
| Net operating income to assets | 1.2944% | 1,152 |
| Return on assets (ROA) | 1.2820% | 1,172 |
| Pretax return on assets | 1.7839% | 627 |
| Return on Equity (ROE) | 10.7041% | 2,088 |
| Retained earnings to average equity (ytd only) | -5.7688% | 4,563 |
| Net charge-offs to loans | -0.0119% | 3,642 |
| Credit loss provision to net charge-offs | -1,224.8996% | 3,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6931% | 4,643 |
| Assets per employee ($millions) | 16.3658% | 153 |
| Cash dividends to net income (ytd only)* | 153.8935% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 3,883 |
| Loan loss allowance to noncurrent loans | 618.8059% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,202 |
| Noncurrent loans to loans | 0.1491% | 2,949 |
| Net loans and leases to total assets | 51.3887% | 3,226 |
| Net loans and leases to deposits | 60.9056% | 2,981 |
| Net loans and leases to core deposits | 61.2982% | 3,176 |
| Total domestic deposits to total assets | 84.3745% | 3,611 |
| Equity capital to assets | 11.5485% | 1,018 |
| Core capital (leverage) ratio | 8.5610% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7913% | 2,158 |
| Memoranda: | ||
| Average total assets | $16,726,597,667 | 113 |
| Average earning assets | $15,281,647,000 | 111 |
| Average equity | $2,003,296,000 | 105 |
| Average total loans | $8,390,542,000 | 138 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9783% | 3,316 |
| Cost of funding earning assets | 0.0330% | 4,696 |
| Net interest margin | 2.9453% | 2,690 |
| Noninterest income to average assets | 0.2882% | 3,397 |
| Noninterest expense to average assets | 1.3499% | 4,581 |
| Loan and lease loss provision to assets | 0.0598% | 1,335 |
| Net operating income to assets | 1.1362% | 1,419 |
| Return on assets (ROA) | 1.1215% | 1,461 |
| Pretax return on assets | 1.5607% | 897 |
| Return on Equity (ROE) | 9.1992% | 2,245 |
| Retained earnings to average equity (ytd only) | -11.4167% | 4,588 |
| Net charge-offs to loans | 0.0002% | 1,836 |
| Credit loss provision to net charge-offs | 50,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 13,695.4000% | 1 |
| Efficiency ratio | 43.5622% | 4,569 |
| Assets per employee ($millions) | 16.8961% | 146 |
| Cash dividends to net income (ytd only)* | 224.1052% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,078 |
| Loan loss allowance to noncurrent loans | 573.8334% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,314 |
| Noncurrent loans to loans | 0.1544% | 3,031 |
| Net loans and leases to total assets | 48.5546% | 3,327 |
| Net loans and leases to deposits | 58.5312% | 3,031 |
| Net loans and leases to core deposits | 58.9188% | 3,243 |
| Total domestic deposits to total assets | 82.9550% | 3,945 |
| Equity capital to assets | 11.6066% | 1,089 |
| Core capital (leverage) ratio | 8.4293% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9860% | 2,208 |
| Memoranda: | ||
| Average total assets | $16,710,623,500 | 116 |
| Average earning assets | $15,324,133,000 | 115 |
| Average equity | $2,037,262,000 | 109 |
| Average total loans | $8,239,698,500 | 140 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9895% | 3,893 |
| Cost of funding earning assets | 0.0421% | 4,717 |
| Net interest margin | 2.9474% | 3,331 |
| Noninterest income to average assets | 0.3113% | 3,544 |
| Noninterest expense to average assets | 1.1997% | 4,711 |
| Loan and lease loss provision to assets | -0.1724% | 4,657 |
| Net operating income to assets | 1.4147% | 1,233 |
| Return on assets (ROA) | 1.4123% | 1,300 |
| Pretax return on assets | 1.9785% | 630 |
| Return on Equity (ROE) | 10.7903% | 2,240 |
| Retained earnings to average equity (ytd only) | 4.3787% | 3,062 |
| Net charge-offs to loans | 0.0392% | 1,473 |
| Credit loss provision to net charge-offs | -803.6558% | 3,869 |
| Earnings coverage of net charge-offs (x) | 87.6565% | 945 |
| Efficiency ratio | 38.0887% | 4,719 |
| Assets per employee ($millions) | 16.2904% | 167 |
| Cash dividends to net income (ytd only)* | 59.4199% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 4,226 |
| Loan loss allowance to noncurrent loans | 943.1245% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 3,697 |
| Noncurrent loans to loans | 0.0874% | 3,500 |
| Net loans and leases to total assets | 49.2516% | 3,374 |
| Net loans and leases to deposits | 60.0008% | 3,073 |
| Net loans and leases to core deposits | 60.3706% | 3,289 |
| Total domestic deposits to total assets | 82.0849% | 3,951 |
| Equity capital to assets | 12.8372% | 948 |
| Core capital (leverage) ratio | 8.8999% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1825% | 1,785 |
| Memoranda: | ||
| Average total assets | $15,372,554,600 | 122 |
| Average earning assets | $14,070,286,800 | 119 |
| Average equity | $2,011,977,800 | 112 |
| Average total loans | $8,090,081,600 | 140 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0343% | 3,939 |
| Cost of funding earning assets | 0.0458% | 4,797 |
| Net interest margin | 2.9886% | 3,337 |
| Noninterest income to average assets | 0.3088% | 3,580 |
| Noninterest expense to average assets | 1.2057% | 4,785 |
| Loan and lease loss provision to assets | -0.2318% | 4,776 |
| Net operating income to assets | 1.4752% | 1,329 |
| Return on assets (ROA) | 1.4729% | 1,384 |
| Pretax return on assets | 2.0635% | 718 |
| Return on Equity (ROE) | 11.1979% | 2,310 |
| Retained earnings to average equity (ytd only) | 4.2829% | 3,482 |
| Net charge-offs to loans | 0.0463% | 1,199 |
| Credit loss provision to net charge-offs | -901.6973% | 3,828 |
| Earnings coverage of net charge-offs (x) | 74.1757% | 1,026 |
| Efficiency ratio | 37.8310% | 4,770 |
| Assets per employee ($millions) | 16.4930% | 158 |
| Cash dividends to net income (ytd only)* | 61.7530% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 4,302 |
| Loan loss allowance to noncurrent loans | 773.9048% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 3,793 |
| Noncurrent loans to loans | 0.1076% | 3,555 |
| Net loans and leases to total assets | 48.0619% | 3,625 |
| Net loans and leases to deposits | 59.9478% | 3,234 |
| Net loans and leases to core deposits | 60.3502% | 3,449 |
| Total domestic deposits to total assets | 80.1728% | 4,206 |
| Equity capital to assets | 12.4864% | 1,175 |
| Core capital (leverage) ratio | 8.9431% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2960% | 1,862 |
| Memoranda: | ||
| Average total assets | $15,244,913,500 | 123 |
| Average earning assets | $13,933,404,750 | 119 |
| Average equity | $2,005,235,250 | 113 |
| Average total loans | $8,140,673,750 | 140 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1206% | 3,820 |
| Cost of funding earning assets | 0.0518% | 4,817 |
| Net interest margin | 3.0688% | 3,119 |
| Noninterest income to average assets | 0.3316% | 3,443 |
| Noninterest expense to average assets | 1.2243% | 4,816 |
| Loan and lease loss provision to assets | -0.3015% | 4,836 |
| Net operating income to assets | 1.5772% | 1,097 |
| Return on assets (ROA) | 1.5746% | 1,163 |
| Pretax return on assets | 2.2059% | 569 |
| Return on Equity (ROE) | 11.7552% | 2,147 |
| Retained earnings to average equity (ytd only) | 4.8536% | 3,242 |
| Net charge-offs to loans | 0.0692% | 938 |
| Credit loss provision to net charge-offs | -754.3860% | 3,581 |
| Earnings coverage of net charge-offs (x) | 49.9639% | 1,069 |
| Efficiency ratio | 37.2341% | 4,810 |
| Assets per employee ($millions) | 15.5968% | 182 |
| Cash dividends to net income (ytd only)* | 58.7109% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 4,266 |
| Loan loss allowance to noncurrent loans | 818.5810% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,868 |
| Noncurrent loans to loans | 0.1050% | 3,663 |
| Net loans and leases to total assets | 51.5111% | 3,393 |
| Net loans and leases to deposits | 62.9015% | 3,112 |
| Net loans and leases to core deposits | 63.4002% | 3,342 |
| Total domestic deposits to total assets | 81.8917% | 3,948 |
| Equity capital to assets | 12.9814% | 952 |
| Core capital (leverage) ratio | 9.1181% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5215% | 1,796 |
| Memoranda: | ||
| Average total assets | $14,927,848,333 | 123 |
| Average earning assets | $13,622,518,000 | 122 |
| Average equity | $1,999,544,333 | 112 |
| Average total loans | $8,237,725,000 | 140 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1647% | 3,746 |
| Cost of funding earning assets | 0.0588% | 4,827 |
| Net interest margin | 3.1059% | 2,965 |
| Noninterest income to average assets | 0.3821% | 3,188 |
| Noninterest expense to average assets | 1.2455% | 4,845 |
| Loan and lease loss provision to assets | -0.5333% | 4,924 |
| Net operating income to assets | 1.7870% | 807 |
| Return on assets (ROA) | 1.7806% | 866 |
| Pretax return on assets | 2.4945% | 443 |
| Return on Equity (ROE) | 13.0789% | 1,656 |
| Retained earnings to average equity (ytd only) | 6.0474% | 2,881 |
| Net charge-offs to loans | 0.1147% | 617 |
| Credit loss provision to net charge-offs | -816.9250% | 3,301 |
| Earnings coverage of net charge-offs (x) | 30.1621% | 1,094 |
| Efficiency ratio | 36.9000% | 4,833 |
| Assets per employee ($millions) | 14.7766% | 211 |
| Cash dividends to net income (ytd only)* | 53.7626% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8658% | 4,257 |
| Loan loss allowance to noncurrent loans | 521.4976% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 3,665 |
| Noncurrent loans to loans | 0.1660% | 3,512 |
| Net loans and leases to total assets | 55.4154% | 3,105 |
| Net loans and leases to deposits | 67.6814% | 2,735 |
| Net loans and leases to core deposits | 68.4265% | 3,025 |
| Total domestic deposits to total assets | 81.8768% | 3,915 |
| Equity capital to assets | 13.4262% | 804 |
| Core capital (leverage) ratio | 9.4457% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4562% | 1,756 |
| Memoranda: | ||
| Average total assets | $14,624,552,000 | 124 |
| Average earning assets | $13,337,531,500 | 124 |
| Average equity | $1,991,020,000 | 113 |
| Average total loans | $8,320,932,500 | 140 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 3,597 |
| Cost of funding earning assets | 0.1179% | 4,820 |
| Net interest margin | 3.5737% | 2,237 |
| Noninterest income to average assets | 0.3769% | 3,227 |
| Noninterest expense to average assets | 1.4314% | 4,819 |
| Loan and lease loss provision to assets | 0.1812% | 2,129 |
| Net operating income to assets | 1.4025% | 1,011 |
| Return on assets (ROA) | 1.4036% | 1,099 |
| Pretax return on assets | 1.9773% | 474 |
| Return on Equity (ROE) | 9.1992% | 2,313 |
| Retained earnings to average equity (ytd only) | -1.7652% | 4,691 |
| Net charge-offs to loans | 0.0038% | 3,226 |
| Credit loss provision to net charge-offs | 7,629.8701% | 140 |
| Earnings coverage of net charge-offs (x) | 908.4578% | 131 |
| Efficiency ratio | 37.8796% | 4,914 |
| Assets per employee ($millions) | 14.5297% | 198 |
| Cash dividends to net income (ytd only)* | 119.1889% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,350 |
| Loan loss allowance to noncurrent loans | 653.0424% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 3,669 |
| Noncurrent loans to loans | 0.1718% | 3,596 |
| Net loans and leases to total assets | 57.2738% | 3,169 |
| Net loans and leases to deposits | 70.0052% | 2,878 |
| Net loans and leases to core deposits | 70.8005% | 3,197 |
| Total domestic deposits to total assets | 81.8136% | 3,705 |
| Equity capital to assets | 13.8077% | 842 |
| Core capital (leverage) ratio | 9.5781% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7530% | 1,611 |
| Memoranda: | ||
| Average total assets | $12,971,192,800 | 127 |
| Average earning assets | $11,656,900,000 | 131 |
| Average equity | $1,979,123,000 | 107 |
| Average total loans | $8,037,988,600 | 136 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 3,571 |
| Cost of funding earning assets | 0.1306% | 4,857 |
| Net interest margin | 3.6685% | 2,039 |
| Noninterest income to average assets | 0.3807% | 3,181 |
| Noninterest expense to average assets | 1.4689% | 4,829 |
| Loan and lease loss provision to assets | 0.2485% | 1,629 |
| Net operating income to assets | 1.3823% | 1,145 |
| Return on assets (ROA) | 1.3841% | 1,235 |
| Pretax return on assets | 1.9499% | 572 |
| Return on Equity (ROE) | 8.8317% | 2,463 |
| Retained earnings to average equity (ytd only) | -2.7718% | 4,760 |
| Net charge-offs to loans | 0.0022% | 3,109 |
| Credit loss provision to net charge-offs | 17,938.9313% | 77 |
| Earnings coverage of net charge-offs (x) | 1,585.6107% | 74 |
| Efficiency ratio | 38.0061% | 4,933 |
| Assets per employee ($millions) | 13.7858% | 209 |
| Cash dividends to net income (ytd only)* | 131.3850% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,122 |
| Loan loss allowance to noncurrent loans | 797.1890% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 3,849 |
| Noncurrent loans to loans | 0.1400% | 3,822 |
| Net loans and leases to total assets | 60.1879% | 3,210 |
| Net loans and leases to deposits | 74.2073% | 2,935 |
| Net loans and leases to core deposits | 75.3655% | 3,221 |
| Total domestic deposits to total assets | 81.1078% | 3,633 |
| Equity capital to assets | 14.3684% | 769 |
| Core capital (leverage) ratio | 9.7100% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8347% | 1,550 |
| Memoranda: | ||
| Average total assets | $12,610,635,500 | 131 |
| Average earning assets | $11,290,059,500 | 131 |
| Average equity | $1,976,362,250 | 107 |
| Average total loans | $7,960,283,750 | 136 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,462 |
| Cost of funding earning assets | 0.1444% | 4,891 |
| Net interest margin | 3.8058% | 1,822 |
| Noninterest income to average assets | 0.3859% | 3,168 |
| Noninterest expense to average assets | 1.5017% | 4,845 |
| Loan and lease loss provision to assets | 0.3849% | 1,066 |
| Net operating income to assets | 1.3436% | 1,240 |
| Return on assets (ROA) | 1.3464% | 1,330 |
| Pretax return on assets | 1.8968% | 674 |
| Return on Equity (ROE) | 8.3294% | 2,622 |
| Retained earnings to average equity (ytd only) | -6.0608% | 4,815 |
| Net charge-offs to loans | 0.0004% | 3,026 |
| Credit loss provision to net charge-offs | 138,235.2941% | 3 |
| Earnings coverage of net charge-offs (x) | 8,181.2353% | 3 |
| Efficiency ratio | 37.6101% | 4,961 |
| Assets per employee ($millions) | 13.4245% | 228 |
| Cash dividends to net income (ytd only)* | 172.7641% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 2,944 |
| Loan loss allowance to noncurrent loans | 1,378.6563% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 4,101 |
| Noncurrent loans to loans | 0.0811% | 4,134 |
| Net loans and leases to total assets | 60.4402% | 3,273 |
| Net loans and leases to deposits | 75.4376% | 2,925 |
| Net loans and leases to core deposits | 76.6599% | 3,236 |
| Total domestic deposits to total assets | 80.1195% | 3,811 |
| Equity capital to assets | 14.3121% | 775 |
| Core capital (leverage) ratio | 10.4519% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7851% | 1,551 |
| Memoranda: | ||
| Average total assets | $12,209,711,667 | 133 |
| Average earning assets | $10,888,939,000 | 134 |
| Average equity | $1,973,563,333 | 108 |
| Average total loans | $7,811,087,667 | 138 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 3,114 |
| Cost of funding earning assets | 0.1821% | 4,924 |
| Net interest margin | 4.0496% | 1,254 |
| Noninterest income to average assets | 0.3957% | 3,132 |
| Noninterest expense to average assets | 1.6301% | 4,835 |
| Loan and lease loss provision to assets | 0.4195% | 721 |
| Net operating income to assets | 1.3740% | 1,049 |
| Return on assets (ROA) | 1.3771% | 1,120 |
| Pretax return on assets | 1.9336% | 526 |
| Return on Equity (ROE) | 7.9710% | 2,531 |
| Retained earnings to average equity (ytd only) | -15.9082% | 4,909 |
| Net charge-offs to loans | -0.0075% | 3,974 |
| Credit loss provision to net charge-offs | -8,510.6383% | 3,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8160% | 4,997 |
| Assets per employee ($millions) | 11.3310% | 279 |
| Cash dividends to net income (ytd only)* | 299.5760% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,167 |
| Loan loss allowance to noncurrent loans | 1,285.6409% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 4,130 |
| Noncurrent loans to loans | 0.0861% | 4,166 |
| Net loans and leases to total assets | 63.6347% | 3,107 |
| Net loans and leases to deposits | 80.6758% | 2,606 |
| Net loans and leases to core deposits | 82.2692% | 3,001 |
| Total domestic deposits to total assets | 78.8770% | 4,076 |
| Equity capital to assets | 16.8021% | 468 |
| Core capital (leverage) ratio | 11.4438% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2995% | 1,814 |
| Memoranda: | ||
| Average total assets | $11,441,202,000 | 136 |
| Average earning assets | $10,124,660,000 | 137 |
| Average equity | $1,976,620,000 | 110 |
| Average total loans | $7,515,364,500 | 140 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 2,639 |
| Cost of funding earning assets | 0.2117% | 4,936 |
| Net interest margin | 4.3818% | 929 |
| Noninterest income to average assets | 0.5200% | 2,627 |
| Noninterest expense to average assets | 1.6954% | 4,871 |
| Loan and lease loss provision to assets | 0.0442% | 3,127 |
| Net operating income to assets | 1.8831% | 444 |
| Return on assets (ROA) | 1.8831% | 463 |
| Pretax return on assets | 2.6384% | 163 |
| Return on Equity (ROE) | 10.9941% | 1,897 |
| Retained earnings to average equity (ytd only) | 5.5276% | 2,147 |
| Net charge-offs to loans | -0.0006% | 4,155 |
| Credit loss provision to net charge-offs | -10,638.2979% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5483% | 5,103 |
| Assets per employee ($millions) | 11.0909% | 287 |
| Cash dividends to net income (ytd only)* | 49.7221% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 3,924 |
| Loan loss allowance to noncurrent loans | 1,301.1181% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 4,182 |
| Noncurrent loans to loans | 0.0698% | 4,257 |
| Net loans and leases to total assets | 66.4565% | 2,899 |
| Net loans and leases to deposits | 85.8051% | 2,119 |
| Net loans and leases to core deposits | 87.5417% | 2,648 |
| Total domestic deposits to total assets | 77.4506% | 4,440 |
| Equity capital to assets | 17.7641% | 392 |
| Core capital (leverage) ratio | 12.1854% | 1,666 |
| Tier 1 risk-based capital ratio | 14.9395% | 2,806 |
| Total risk-based capital ratio | 15.8323% | 2,878 |
| Memoranda: | ||
| Average total assets | $11,320,709,200 | 129 |
| Average earning assets | $9,967,392,400 | 131 |
| Average equity | $1,939,093,000 | 107 |
| Average total loans | $7,593,238,400 | 136 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6203% | 2,654 |
| Cost of funding earning assets | 0.2155% | 5,003 |
| Net interest margin | 4.4048% | 936 |
| Noninterest income to average assets | 0.5441% | 2,495 |
| Noninterest expense to average assets | 1.7042% | 4,916 |
| Loan and lease loss provision to assets | 0.0588% | 2,720 |
| Net operating income to assets | 1.8870% | 509 |
| Return on assets (ROA) | 1.8871% | 530 |
| Pretax return on assets | 2.6584% | 182 |
| Return on Equity (ROE) | 11.1197% | 1,971 |
| Retained earnings to average equity (ytd only) | 5.5728% | 2,587 |
| Net charge-offs to loans | -0.0010% | 4,001 |
| Credit loss provision to net charge-offs | -8,474.5763% | 4,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3258% | 5,172 |
| Assets per employee ($millions) | 10.9684% | 274 |
| Cash dividends to net income (ytd only)* | 49.8837% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 3,980 |
| Loan loss allowance to noncurrent loans | 1,038.5965% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 4,029 |
| Noncurrent loans to loans | 0.0882% | 4,250 |
| Net loans and leases to total assets | 65.5391% | 3,111 |
| Net loans and leases to deposits | 84.1413% | 2,437 |
| Net loans and leases to core deposits | 85.8228% | 2,922 |
| Total domestic deposits to total assets | 77.8917% | 4,366 |
| Equity capital to assets | 17.4431% | 445 |
| Core capital (leverage) ratio | 12.0886% | 1,797 |
| Tier 1 risk-based capital ratio | 14.7502% | 2,978 |
| Total risk-based capital ratio | 15.6519% | 3,038 |
| Memoranda: | ||
| Average total assets | $11,331,028,250 | 130 |
| Average earning assets | $9,974,049,250 | 132 |
| Average equity | $1,922,943,250 | 107 |
| Average total loans | $7,600,403,750 | 137 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 2,529 |
| Cost of funding earning assets | 0.2194% | 5,032 |
| Net interest margin | 4.4259% | 896 |
| Noninterest income to average assets | 0.6085% | 2,106 |
| Noninterest expense to average assets | 1.7546% | 4,915 |
| Loan and lease loss provision to assets | 0.0618% | 2,587 |
| Net operating income to assets | 1.9130% | 463 |
| Return on assets (ROA) | 1.9130% | 487 |
| Pretax return on assets | 2.6948% | 186 |
| Return on Equity (ROE) | 11.3778% | 1,835 |
| Retained earnings to average equity (ytd only) | 5.7089% | 2,410 |
| Net charge-offs to loans | -0.0005% | 3,870 |
| Credit loss provision to net charge-offs | -18,421.0526% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6688% | 5,209 |
| Assets per employee ($millions) | 11.3287% | 249 |
| Cash dividends to net income (ytd only)* | 49.8242% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,134 |
| Loan loss allowance to noncurrent loans | 594.7727% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,141 |
| Noncurrent loans to loans | 0.1498% | 4,014 |
| Net loans and leases to total assets | 66.8619% | 2,993 |
| Net loans and leases to deposits | 85.8944% | 2,265 |
| Net loans and leases to core deposits | 87.6960% | 2,829 |
| Total domestic deposits to total assets | 77.8420% | 4,428 |
| Equity capital to assets | 17.4264% | 429 |
| Core capital (leverage) ratio | 11.8008% | 1,947 |
| Tier 1 risk-based capital ratio | 14.3403% | 3,146 |
| Total risk-based capital ratio | 15.2189% | 3,245 |
| Memoranda: | ||
| Average total assets | $11,331,267,330 | 132 |
| Average earning assets | $9,991,695,330 | 132 |
| Average equity | $1,905,136,670 | 108 |
| Average total loans | $7,635,721,330 | 137 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 2,630 |
| Cost of funding earning assets | 0.2175% | 5,076 |
| Net interest margin | 4.3557% | 995 |
| Noninterest income to average assets | 0.5725% | 2,175 |
| Noninterest expense to average assets | 1.7615% | 4,957 |
| Loan and lease loss provision to assets | 0.0526% | 2,609 |
| Net operating income to assets | 1.8507% | 508 |
| Return on assets (ROA) | 1.8507% | 522 |
| Pretax return on assets | 2.6070% | 208 |
| Return on Equity (ROE) | 11.2074% | 1,864 |
| Retained earnings to average equity (ytd only) | 5.2640% | 2,793 |
| Net charge-offs to loans | -0.0046% | 4,001 |
| Credit loss provision to net charge-offs | -1,704.5455% | 4,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5773% | 5,244 |
| Assets per employee ($millions) | 11.1590% | 253 |
| Cash dividends to net income (ytd only)* | 53.0313% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 4,315 |
| Loan loss allowance to noncurrent loans | 383.7384% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 3,968 |
| Noncurrent loans to loans | 0.2234% | 3,790 |
| Net loans and leases to total assets | 66.7161% | 2,944 |
| Net loans and leases to deposits | 86.8447% | 2,019 |
| Net loans and leases to core deposits | 88.7651% | 2,613 |
| Total domestic deposits to total assets | 76.8224% | 4,672 |
| Equity capital to assets | 16.8368% | 465 |
| Core capital (leverage) ratio | 11.2746% | 2,317 |
| Tier 1 risk-based capital ratio | 13.9027% | 3,392 |
| Total risk-based capital ratio | 14.7560% | 3,510 |
| Memoranda: | ||
| Average total assets | $11,411,839,500 | 132 |
| Average earning assets | $10,083,258,500 | 134 |
| Average equity | $1,884,428,000 | 109 |
| Average total loans | $7,685,737,000 | 135 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1673% | 3,538 |
| Cost of funding earning assets | 0.1371% | 5,211 |
| Net interest margin | 4.0301% | 1,890 |
| Noninterest income to average assets | 0.4576% | 3,063 |
| Noninterest expense to average assets | 1.8322% | 4,973 |
| Loan and lease loss provision to assets | 0.0157% | 3,836 |
| Net operating income to assets | 1.6399% | 793 |
| Return on assets (ROA) | 1.6399% | 791 |
| Pretax return on assets | 2.2790% | 304 |
| Return on Equity (ROE) | 11.2366% | 1,993 |
| Retained earnings to average equity (ytd only) | 5.6471% | 2,388 |
| Net charge-offs to loans | -0.0424% | 4,923 |
| Credit loss provision to net charge-offs | -59.3354% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0609% | 5,209 |
| Assets per employee ($millions) | 11.2606% | 244 |
| Cash dividends to net income (ytd only)* | 49.7439% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 4,464 |
| Loan loss allowance to noncurrent loans | 318.8462% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 3,922 |
| Noncurrent loans to loans | 0.2569% | 3,659 |
| Net loans and leases to total assets | 66.8514% | 3,021 |
| Net loans and leases to deposits | 87.0214% | 2,161 |
| Net loans and leases to core deposits | 88.9396% | 2,660 |
| Total domestic deposits to total assets | 76.8218% | 4,656 |
| Equity capital to assets | 16.1951% | 507 |
| Core capital (leverage) ratio | 10.8965% | 2,631 |
| Tier 1 risk-based capital ratio | 13.2174% | 3,713 |
| Total risk-based capital ratio | 14.0299% | 3,854 |
| Memoranda: | ||
| Average total assets | $9,537,430,200 | 141 |
| Average earning assets | $8,683,397,200 | 142 |
| Average equity | $1,391,894,000 | 133 |
| Average total loans | $5,957,928,000 | 158 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 4,160 |
| Cost of funding earning assets | 0.1196% | 5,307 |
| Net interest margin | 3.8011% | 2,640 |
| Noninterest income to average assets | 0.4853% | 2,946 |
| Noninterest expense to average assets | 1.7069% | 5,129 |
| Loan and lease loss provision to assets | -0.0221% | 5,242 |
| Net operating income to assets | 1.6483% | 846 |
| Return on assets (ROA) | 1.6483% | 856 |
| Pretax return on assets | 2.2907% | 347 |
| Return on Equity (ROE) | 11.7036% | 1,906 |
| Retained earnings to average equity (ytd only) | 6.1755% | 2,562 |
| Net charge-offs to loans | -0.0465% | 4,906 |
| Credit loss provision to net charge-offs | 78.0437% | 2,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0478% | 5,269 |
| Assets per employee ($millions) | 10.3719% | 293 |
| Cash dividends to net income (ytd only)* | 47.2340% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7914% | 4,647 |
| Loan loss allowance to noncurrent loans | 365.2282% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 4,214 |
| Noncurrent loans to loans | 0.2167% | 3,932 |
| Net loans and leases to total assets | 65.5763% | 3,233 |
| Net loans and leases to deposits | 82.3607% | 2,776 |
| Net loans and leases to core deposits | 83.7020% | 3,177 |
| Total domestic deposits to total assets | 79.6208% | 4,193 |
| Equity capital to assets | 15.9656% | 548 |
| Core capital (leverage) ratio | 12.4002% | 1,555 |
| Tier 1 risk-based capital ratio | 13.0969% | 3,849 |
| Total risk-based capital ratio | 13.8769% | 4,032 |
| Memoranda: | ||
| Average total assets | $9,041,894,000 | 149 |
| Average earning assets | $8,302,463,250 | 146 |
| Average equity | $1,273,465,250 | 138 |
| Average total loans | $5,506,257,250 | 163 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 4,264 |
| Cost of funding earning assets | 0.1006% | 5,408 |
| Net interest margin | 3.7318% | 2,818 |
| Noninterest income to average assets | 0.5514% | 2,573 |
| Noninterest expense to average assets | 1.6545% | 5,229 |
| Loan and lease loss provision to assets | -0.0486% | 5,375 |
| Net operating income to assets | 1.7522% | 650 |
| Return on assets (ROA) | 1.7522% | 654 |
| Pretax return on assets | 2.4350% | 251 |
| Return on Equity (ROE) | 13.2642% | 1,275 |
| Retained earnings to average equity (ytd only) | 7.1767% | 1,989 |
| Net charge-offs to loans | -0.0830% | 5,098 |
| Credit loss provision to net charge-offs | 100.1001% | 2,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5476% | 5,388 |
| Assets per employee ($millions) | 10.2604% | 292 |
| Cash dividends to net income (ytd only)* | 45.8945% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,510 |
| Loan loss allowance to noncurrent loans | 585.1797% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 4,369 |
| Noncurrent loans to loans | 0.2114% | 3,967 |
| Net loans and leases to total assets | 58.8408% | 3,915 |
| Net loans and leases to deposits | 72.5690% | 3,670 |
| Net loans and leases to core deposits | 73.6266% | 3,902 |
| Total domestic deposits to total assets | 81.0826% | 3,971 |
| Equity capital to assets | 13.5563% | 1,082 |
| Core capital (leverage) ratio | 12.4083% | 1,484 |
| Tier 1 risk-based capital ratio | 17.2996% | 2,001 |
| Total risk-based capital ratio | 18.4378% | 1,986 |
| Memoranda: | ||
| Average total assets | $8,232,092,000 | 158 |
| Average earning assets | $7,697,645,670 | 155 |
| Average equity | $1,087,466,670 | 151 |
| Average total loans | $4,814,190,000 | 176 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7367% | 4,391 |
| Cost of funding earning assets | 0.1018% | 5,462 |
| Net interest margin | 3.6349% | 3,048 |
| Noninterest income to average assets | 0.6245% | 2,151 |
| Noninterest expense to average assets | 1.6861% | 5,255 |
| Loan and lease loss provision to assets | -0.0482% | 5,461 |
| Net operating income to assets | 1.7215% | 658 |
| Return on assets (ROA) | 1.7215% | 668 |
| Pretax return on assets | 2.3923% | 266 |
| Return on Equity (ROE) | 13.2004% | 1,209 |
| Retained earnings to average equity (ytd only) | 7.5135% | 2,038 |
| Net charge-offs to loans | -0.1122% | 5,245 |
| Credit loss provision to net charge-offs | 74.0741% | 1,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4409% | 5,417 |
| Assets per employee ($millions) | 10.4612% | 275 |
| Cash dividends to net income (ytd only)* | 43.0817% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,521 |
| Loan loss allowance to noncurrent loans | 583.3658% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,471 |
| Noncurrent loans to loans | 0.2143% | 4,015 |
| Net loans and leases to total assets | 56.7206% | 4,056 |
| Net loans and leases to deposits | 70.3787% | 3,753 |
| Net loans and leases to core deposits | 72.9182% | 3,890 |
| Total domestic deposits to total assets | 80.5935% | 4,294 |
| Equity capital to assets | 12.9614% | 1,267 |
| Core capital (leverage) ratio | 12.0894% | 1,598 |
| Tier 1 risk-based capital ratio | 17.1399% | 2,079 |
| Total risk-based capital ratio | 18.2955% | 2,053 |
| Memoranda: | ||
| Average total assets | $8,305,559,000 | 157 |
| Average earning assets | $7,781,978,500 | 151 |
| Average equity | $1,083,175,500 | 150 |
| Average total loans | $4,812,807,000 | 175 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 4,347 |
| Cost of funding earning assets | 0.0982% | 5,501 |
| Net interest margin | 3.5967% | 3,180 |
| Noninterest income to average assets | 0.5028% | 2,980 |
| Noninterest expense to average assets | 1.6424% | 5,377 |
| Loan and lease loss provision to assets | -0.1022% | 5,483 |
| Net operating income to assets | 1.2862% | 1,262 |
| Return on assets (ROA) | 1.2893% | 1,273 |
| Pretax return on assets | 2.3285% | 252 |
| Return on Equity (ROE) | 10.0897% | 1,842 |
| Retained earnings to average equity (ytd only) | 4.7275% | 2,305 |
| Net charge-offs to loans | -0.1406% | 5,453 |
| Credit loss provision to net charge-offs | 129.8701% | 2,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0926% | 5,494 |
| Assets per employee ($millions) | 10.2775% | 290 |
| Cash dividends to net income (ytd only)* | 53.1454% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,576 |
| Loan loss allowance to noncurrent loans | 552.0708% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 4,201 |
| Noncurrent loans to loans | 0.2234% | 4,011 |
| Net loans and leases to total assets | 57.7392% | 4,027 |
| Net loans and leases to deposits | 72.6621% | 3,629 |
| Net loans and leases to core deposits | 75.4586% | 3,781 |
| Total domestic deposits to total assets | 79.4625% | 4,454 |
| Equity capital to assets | 13.1226% | 1,208 |
| Core capital (leverage) ratio | 11.7684% | 1,749 |
| Tier 1 risk-based capital ratio | 16.7142% | 2,190 |
| Total risk-based capital ratio | 17.8576% | 2,175 |
| Memoranda: | ||
| Average total assets | $8,318,576,400 | 149 |
| Average earning assets | $7,773,729,800 | 146 |
| Average equity | $1,062,991,800 | 144 |
| Average total loans | $4,655,062,800 | 174 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 4,416 |
| Cost of funding earning assets | 0.0987% | 5,559 |
| Net interest margin | 3.5642% | 3,279 |
| Noninterest income to average assets | 0.4675% | 3,234 |
| Noninterest expense to average assets | 1.6416% | 5,413 |
| Loan and lease loss provision to assets | -0.1120% | 5,598 |
| Net operating income to assets | 1.4150% | 1,056 |
| Return on assets (ROA) | 1.4191% | 1,077 |
| Pretax return on assets | 2.2749% | 308 |
| Return on Equity (ROE) | 11.1802% | 1,615 |
| Retained earnings to average equity (ytd only) | 5.8225% | 2,365 |
| Net charge-offs to loans | -0.1761% | 5,505 |
| Credit loss provision to net charge-offs | 114.9237% | 2,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8045% | 5,518 |
| Assets per employee ($millions) | 10.2560% | 285 |
| Cash dividends to net income (ytd only)* | 47.9208% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,475 |
| Loan loss allowance to noncurrent loans | 469.0261% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 4,236 |
| Noncurrent loans to loans | 0.2724% | 3,977 |
| Net loans and leases to total assets | 56.4752% | 4,193 |
| Net loans and leases to deposits | 70.6929% | 3,902 |
| Net loans and leases to core deposits | 73.3912% | 4,030 |
| Total domestic deposits to total assets | 79.8881% | 4,335 |
| Equity capital to assets | 13.1451% | 1,314 |
| Core capital (leverage) ratio | 11.6883% | 1,895 |
| Tier 1 risk-based capital ratio | 16.8881% | 2,184 |
| Total risk-based capital ratio | 18.0744% | 2,168 |
| Memoranda: | ||
| Average total assets | $8,332,445,250 | 151 |
| Average earning assets | $7,786,060,000 | 146 |
| Average equity | $1,057,656,750 | 146 |
| Average total loans | $4,611,170,750 | 177 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5896% | 4,539 |
| Cost of funding earning assets | 0.0976% | 5,606 |
| Net interest margin | 3.4920% | 3,434 |
| Noninterest income to average assets | 0.4586% | 3,300 |
| Noninterest expense to average assets | 1.6499% | 5,453 |
| Loan and lease loss provision to assets | -0.1318% | 5,669 |
| Net operating income to assets | 1.3918% | 1,091 |
| Return on assets (ROA) | 1.3981% | 1,097 |
| Pretax return on assets | 2.2155% | 345 |
| Return on Equity (ROE) | 11.1460% | 1,585 |
| Retained earnings to average equity (ytd only) | 5.8911% | 2,178 |
| Net charge-offs to loans | -0.1823% | 5,560 |
| Credit loss provision to net charge-offs | 132.1798% | 1,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8904% | 5,530 |
| Assets per employee ($millions) | 10.2951% | 277 |
| Cash dividends to net income (ytd only)* | 47.1456% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,493 |
| Loan loss allowance to noncurrent loans | 439.6801% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 4,289 |
| Noncurrent loans to loans | 0.2921% | 3,997 |
| Net loans and leases to total assets | 55.0163% | 4,311 |
| Net loans and leases to deposits | 68.8821% | 4,000 |
| Net loans and leases to core deposits | 71.4684% | 4,127 |
| Total domestic deposits to total assets | 79.8703% | 4,441 |
| Equity capital to assets | 12.7758% | 1,482 |
| Core capital (leverage) ratio | 11.3565% | 2,081 |
| Tier 1 risk-based capital ratio | 16.5718% | 2,290 |
| Total risk-based capital ratio | 17.7510% | 2,271 |
| Memoranda: | ||
| Average total assets | $8,344,234,000 | 152 |
| Average earning assets | $7,802,434,000 | 144 |
| Average equity | $1,046,656,000 | 144 |
| Average total loans | $4,566,086,330 | 178 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 4,782 |
| Cost of funding earning assets | 0.0958% | 5,670 |
| Net interest margin | 3.3708% | 3,760 |
| Noninterest income to average assets | 0.4224% | 3,507 |
| Noninterest expense to average assets | 1.5967% | 5,560 |
| Loan and lease loss provision to assets | -0.2166% | 5,792 |
| Net operating income to assets | 1.4040% | 997 |
| Return on assets (ROA) | 1.4040% | 1,026 |
| Pretax return on assets | 2.1989% | 359 |
| Return on Equity (ROE) | 11.2987% | 1,464 |
| Retained earnings to average equity (ytd only) | 6.6506% | 2,004 |
| Net charge-offs to loans | -0.1928% | 5,610 |
| Credit loss provision to net charge-offs | 207.1823% | 998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2423% | 5,588 |
| Assets per employee ($millions) | 10.8290% | 234 |
| Cash dividends to net income (ytd only)* | 41.1382% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 2,624 |
| Loan loss allowance to noncurrent loans | 491.6307% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,471 |
| Noncurrent loans to loans | 0.2609% | 4,178 |
| Net loans and leases to total assets | 53.2595% | 4,395 |
| Net loans and leases to deposits | 66.4108% | 4,138 |
| Net loans and leases to core deposits | 69.0047% | 4,221 |
| Total domestic deposits to total assets | 80.1971% | 4,580 |
| Equity capital to assets | 12.3931% | 1,602 |
| Core capital (leverage) ratio | 11.6018% | 1,879 |
| Tier 1 risk-based capital ratio | 16.4989% | 2,363 |
| Total risk-based capital ratio | 17.6729% | 2,335 |
| Memoranda: | ||
| Average total assets | $8,310,785,000 | 152 |
| Average earning assets | $7,782,707,500 | 142 |
| Average equity | $1,032,687,500 | 144 |
| Average total loans | $4,505,280,500 | 180 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5229% | 4,725 |
| Cost of funding earning assets | 0.0989% | 5,708 |
| Net interest margin | 3.4239% | 3,732 |
| Noninterest income to average assets | 0.4361% | 3,645 |
| Noninterest expense to average assets | 1.6551% | 5,600 |
| Loan and lease loss provision to assets | -0.0800% | 5,657 |
| Net operating income to assets | 1.2983% | 1,216 |
| Return on assets (ROA) | 1.3027% | 1,276 |
| Pretax return on assets | 2.0887% | 413 |
| Return on Equity (ROE) | 10.5105% | 1,763 |
| Retained earnings to average equity (ytd only) | 5.5676% | 1,974 |
| Net charge-offs to loans | -0.2080% | 5,751 |
| Credit loss provision to net charge-offs | 72.8597% | 3,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8812% | 5,670 |
| Assets per employee ($millions) | 10.3685% | 278 |
| Cash dividends to net income (ytd only)* | 47.0286% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 2,078 |
| Loan loss allowance to noncurrent loans | 680.7522% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 4,648 |
| Noncurrent loans to loans | 0.2057% | 4,422 |
| Net loans and leases to total assets | 53.7212% | 4,460 |
| Net loans and leases to deposits | 68.4879% | 4,051 |
| Net loans and leases to core deposits | 71.3004% | 4,131 |
| Total domestic deposits to total assets | 78.4389% | 4,904 |
| Equity capital to assets | 12.4606% | 1,547 |
| Core capital (leverage) ratio | 11.3631% | 2,030 |
| Tier 1 risk-based capital ratio | 16.7615% | 2,244 |
| Total risk-based capital ratio | 18.0118% | 2,191 |
| Memoranda: | ||
| Average total assets | $7,998,064,600 | 150 |
| Average earning assets | $7,523,711,800 | 139 |
| Average equity | $991,309,400 | 142 |
| Average total loans | $4,223,701,000 | 182 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5081% | 4,782 |
| Cost of funding earning assets | 0.1006% | 5,766 |
| Net interest margin | 3.4076% | 3,814 |
| Noninterest income to average assets | 0.4412% | 3,620 |
| Noninterest expense to average assets | 1.6453% | 5,650 |
| Loan and lease loss provision to assets | -0.0334% | 5,695 |
| Net operating income to assets | 1.2704% | 1,384 |
| Return on assets (ROA) | 1.2763% | 1,463 |
| Pretax return on assets | 2.0464% | 514 |
| Return on Equity (ROE) | 10.3113% | 1,925 |
| Retained earnings to average equity (ytd only) | 5.3174% | 2,611 |
| Net charge-offs to loans | -0.1226% | 5,644 |
| Credit loss provision to net charge-offs | 52.0156% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7113% | 5,723 |
| Assets per employee ($millions) | 10.4263% | 263 |
| Cash dividends to net income (ytd only)* | 48.4312% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 2,109 |
| Loan loss allowance to noncurrent loans | 570.3160% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 4,663 |
| Noncurrent loans to loans | 0.2490% | 4,374 |
| Net loans and leases to total assets | 52.6725% | 4,595 |
| Net loans and leases to deposits | 66.7922% | 4,262 |
| Net loans and leases to core deposits | 69.9876% | 4,326 |
| Total domestic deposits to total assets | 78.8603% | 4,752 |
| Equity capital to assets | 12.6613% | 1,671 |
| Core capital (leverage) ratio | 10.9418% | 2,517 |
| Tier 1 risk-based capital ratio | 16.8726% | 2,270 |
| Total risk-based capital ratio | 18.1232% | 2,225 |
| Memoranda: | ||
| Average total assets | $7,980,906,000 | 145 |
| Average earning assets | $7,513,214,250 | 139 |
| Average equity | $987,846,500 | 141 |
| Average total loans | $4,180,860,250 | 184 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 4,781 |
| Cost of funding earning assets | 0.1011% | 5,850 |
| Net interest margin | 3.4343% | 3,745 |
| Noninterest income to average assets | 0.4452% | 3,559 |
| Noninterest expense to average assets | 1.6745% | 5,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2600% | 1,393 |
| Return on assets (ROA) | 1.2600% | 1,510 |
| Pretax return on assets | 2.0043% | 562 |
| Return on Equity (ROE) | 10.2587% | 1,942 |
| Retained earnings to average equity (ytd only) | 5.1455% | 2,633 |
| Net charge-offs to loans | -0.0860% | 5,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1538% | 5,785 |
| Assets per employee ($millions) | 10.5670% | 232 |
| Cash dividends to net income (ytd only)* | 49.8425% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 2,116 |
| Loan loss allowance to noncurrent loans | 310.5437% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 4,264 |
| Noncurrent loans to loans | 0.4630% | 3,709 |
| Net loans and leases to total assets | 50.2909% | 4,824 |
| Net loans and leases to deposits | 63.2484% | 4,547 |
| Net loans and leases to core deposits | 68.9474% | 4,405 |
| Total domestic deposits to total assets | 79.5133% | 4,668 |
| Equity capital to assets | 12.1125% | 2,041 |
| Core capital (leverage) ratio | 11.1137% | 2,314 |
| Tier 1 risk-based capital ratio | 16.8306% | 2,287 |
| Total risk-based capital ratio | 18.0814% | 2,243 |
| Memoranda: | ||
| Average total assets | $7,961,653,330 | 145 |
| Average earning assets | $7,496,423,330 | 139 |
| Average equity | $977,863,000 | 143 |
| Average total loans | $4,142,758,000 | 183 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5205% | 4,845 |
| Cost of funding earning assets | 0.1016% | 5,911 |
| Net interest margin | 3.4188% | 3,805 |
| Noninterest income to average assets | 0.4361% | 3,567 |
| Noninterest expense to average assets | 1.7094% | 5,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2311% | 1,448 |
| Return on assets (ROA) | 1.2311% | 1,558 |
| Pretax return on assets | 1.9431% | 638 |
| Return on Equity (ROE) | 9.9500% | 2,001 |
| Retained earnings to average equity (ytd only) | 4.9696% | 2,962 |
| Net charge-offs to loans | -0.0176% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4698% | 5,791 |
| Assets per employee ($millions) | 10.0314% | 273 |
| Cash dividends to net income (ytd only)* | 50.0542% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 2,324 |
| Loan loss allowance to noncurrent loans | 290.6490% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 4,197 |
| Noncurrent loans to loans | 0.4892% | 3,715 |
| Net loans and leases to total assets | 51.9796% | 4,624 |
| Net loans and leases to deposits | 66.0043% | 4,255 |
| Net loans and leases to core deposits | 72.7201% | 4,006 |
| Total domestic deposits to total assets | 78.7519% | 5,019 |
| Equity capital to assets | 12.4893% | 1,689 |
| Core capital (leverage) ratio | 11.2865% | 2,159 |
| Tier 1 risk-based capital ratio | 16.6009% | 2,438 |
| Total risk-based capital ratio | 17.8513% | 2,387 |
| Memoranda: | ||
| Average total assets | $7,789,648,000 | 149 |
| Average earning assets | $7,328,608,000 | 143 |
| Average equity | $963,781,000 | 147 |
| Average total loans | $4,095,173,000 | 183 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6771% | 4,433 |
| Cost of funding earning assets | 0.1144% | 5,905 |
| Net interest margin | 3.5627% | 3,273 |
| Noninterest income to average assets | 0.4497% | 3,669 |
| Noninterest expense to average assets | 1.8023% | 5,731 |
| Loan and lease loss provision to assets | -0.0741% | 5,798 |
| Net operating income to assets | 1.3534% | 1,137 |
| Return on assets (ROA) | 1.3532% | 1,179 |
| Pretax return on assets | 2.0741% | 461 |
| Return on Equity (ROE) | 11.1305% | 1,570 |
| Retained earnings to average equity (ytd only) | 5.7970% | 1,897 |
| Net charge-offs to loans | -0.1287% | 5,846 |
| Credit loss provision to net charge-offs | 113.5672% | 2,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0655% | 5,878 |
| Assets per employee ($millions) | 10.2604% | 247 |
| Cash dividends to net income (ytd only)* | 47.9175% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 2,121 |
| Loan loss allowance to noncurrent loans | 256.9877% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 4,025 |
| Noncurrent loans to loans | 0.5730% | 3,452 |
| Net loans and leases to total assets | 51.6377% | 4,726 |
| Net loans and leases to deposits | 66.6942% | 4,251 |
| Net loans and leases to core deposits | 73.9576% | 3,947 |
| Total domestic deposits to total assets | 77.4246% | 5,255 |
| Equity capital to assets | 12.2521% | 1,776 |
| Core capital (leverage) ratio | 11.1078% | 2,303 |
| Tier 1 risk-based capital ratio | 16.8128% | 2,358 |
| Total risk-based capital ratio | 18.0637% | 2,307 |
| Memoranda: | ||
| Average total assets | $7,556,752,600 | 139 |
| Average earning assets | $7,111,868,400 | 133 |
| Average equity | $918,726,800 | 148 |
| Average total loans | $3,831,283,400 | 181 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 4,437 |
| Cost of funding earning assets | 0.1209% | 5,973 |
| Net interest margin | 3.5748% | 3,257 |
| Noninterest income to average assets | 0.4471% | 3,735 |
| Noninterest expense to average assets | 1.8644% | 5,690 |
| Loan and lease loss provision to assets | -0.0797% | 5,972 |
| Net operating income to assets | 1.2926% | 1,361 |
| Return on assets (ROA) | 1.2923% | 1,413 |
| Pretax return on assets | 2.0263% | 570 |
| Return on Equity (ROE) | 10.6506% | 1,843 |
| Retained earnings to average equity (ytd only) | 5.3970% | 2,647 |
| Net charge-offs to loans | -0.1347% | 5,892 |
| Credit loss provision to net charge-offs | 117.6778% | 2,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5784% | 5,845 |
| Assets per employee ($millions) | 10.0925% | 260 |
| Cash dividends to net income (ytd only)* | 49.3266% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,974 |
| Loan loss allowance to noncurrent loans | 229.1265% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 4,058 |
| Noncurrent loans to loans | 0.6754% | 3,300 |
| Net loans and leases to total assets | 49.3846% | 4,981 |
| Net loans and leases to deposits | 62.9646% | 4,646 |
| Net loans and leases to core deposits | 69.7842% | 4,388 |
| Total domestic deposits to total assets | 78.4324% | 5,105 |
| Equity capital to assets | 12.2894% | 1,881 |
| Core capital (leverage) ratio | 11.0080% | 2,481 |
| Tier 1 risk-based capital ratio | 17.2230% | 2,285 |
| Total risk-based capital ratio | 18.4747% | 2,236 |
| Memoranda: | ||
| Average total assets | $7,529,811,000 | 143 |
| Average earning assets | $7,086,477,500 | 134 |
| Average equity | $913,642,500 | 149 |
| Average total loans | $3,784,870,000 | 186 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 4,580 |
| Cost of funding earning assets | 0.1338% | 5,955 |
| Net interest margin | 3.5155% | 3,437 |
| Noninterest income to average assets | 0.4496% | 3,711 |
| Noninterest expense to average assets | 1.9708% | 5,587 |
| Loan and lease loss provision to assets | -0.0533% | 6,034 |
| Net operating income to assets | 1.1808% | 1,663 |
| Return on assets (ROA) | 1.1808% | 1,732 |
| Pretax return on assets | 1.8383% | 831 |
| Return on Equity (ROE) | 9.7739% | 2,171 |
| Retained earnings to average equity (ytd only) | 4.4762% | 3,166 |
| Net charge-offs to loans | -0.0917% | 5,758 |
| Credit loss provision to net charge-offs | 115.6738% | 1,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1145% | 5,702 |
| Assets per employee ($millions) | 10.1998% | 248 |
| Cash dividends to net income (ytd only)* | 54.2030% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 1,999 |
| Loan loss allowance to noncurrent loans | 240.5348% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 4,220 |
| Noncurrent loans to loans | 0.6543% | 3,515 |
| Net loans and leases to total assets | 48.4313% | 5,059 |
| Net loans and leases to deposits | 61.9592% | 4,705 |
| Net loans and leases to core deposits | 68.8413% | 4,423 |
| Total domestic deposits to total assets | 78.1665% | 5,245 |
| Equity capital to assets | 11.8181% | 2,153 |
| Core capital (leverage) ratio | 10.9954% | 2,422 |
| Tier 1 risk-based capital ratio | 17.0110% | 2,400 |
| Total risk-based capital ratio | 18.2629% | 2,344 |
| Memoranda: | ||
| Average total assets | $7,499,806,000 | 145 |
| Average earning assets | $7,053,145,000 | 135 |
| Average equity | $906,045,670 | 151 |
| Average total loans | $3,772,436,330 | 186 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6849% | 4,421 |
| Cost of funding earning assets | 0.1761% | 5,710 |
| Net interest margin | 3.5087% | 3,399 |
| Noninterest income to average assets | 0.4490% | 3,640 |
| Noninterest expense to average assets | 2.3573% | 4,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8942% | 2,768 |
| Return on assets (ROA) | 0.8942% | 2,898 |
| Pretax return on assets | 1.3931% | 1,910 |
| Return on Equity (ROE) | 7.3188% | 3,321 |
| Retained earnings to average equity (ytd only) | 2.4549% | 4,459 |
| Net charge-offs to loans | -0.0939% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4683% | 4,713 |
| Assets per employee ($millions) | 9.9152% | 264 |
| Cash dividends to net income (ytd only)* | 66.4572% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 1,937 |
| Loan loss allowance to noncurrent loans | 234.1355% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 4,262 |
| Noncurrent loans to loans | 0.6978% | 3,532 |
| Net loans and leases to total assets | 49.1542% | 4,927 |
| Net loans and leases to deposits | 61.8051% | 4,591 |
| Net loans and leases to core deposits | 68.8793% | 4,249 |
| Total domestic deposits to total assets | 79.5309% | 5,165 |
| Equity capital to assets | 12.2812% | 1,832 |
| Core capital (leverage) ratio | 10.8332% | 2,590 |
| Tier 1 risk-based capital ratio | 17.3885% | 2,345 |
| Total risk-based capital ratio | 18.6414% | 2,297 |
| Memoranda: | ||
| Average total assets | $7,404,402,500 | 144 |
| Average earning assets | $6,966,880,000 | 134 |
| Average equity | $904,626,500 | 151 |
| Average total loans | $3,766,545,000 | 185 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 4,564 |
| Cost of funding earning assets | 0.2385% | 5,435 |
| Net interest margin | 3.5371% | 3,656 |
| Noninterest income to average assets | 0.5229% | 3,339 |
| Noninterest expense to average assets | 1.7096% | 6,146 |
| Loan and lease loss provision to assets | -0.2251% | 6,312 |
| Net operating income to assets | 1.4975% | 886 |
| Return on assets (ROA) | 1.4975% | 920 |
| Pretax return on assets | 2.3506% | 251 |
| Return on Equity (ROE) | 12.6419% | 1,228 |
| Retained earnings to average equity (ytd only) | 7.8032% | 1,094 |
| Net charge-offs to loans | -0.0191% | 5,691 |
| Credit loss provision to net charge-offs | 2,333.3333% | 138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1619% | 6,316 |
| Assets per employee ($millions) | 9.8298% | 266 |
| Cash dividends to net income (ytd only)* | 38.2752% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 2,203 |
| Loan loss allowance to noncurrent loans | 164.4041% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5700% | 3,893 |
| Noncurrent loans to loans | 0.9533% | 2,943 |
| Net loans and leases to total assets | 50.9637% | 4,873 |
| Net loans and leases to deposits | 66.8764% | 4,227 |
| Net loans and leases to core deposits | 75.3320% | 3,785 |
| Total domestic deposits to total assets | 76.2059% | 5,704 |
| Equity capital to assets | 12.1531% | 1,901 |
| Core capital (leverage) ratio | 10.7724% | 2,648 |
| Tier 1 risk-based capital ratio | 16.8545% | 2,574 |
| Total risk-based capital ratio | 18.1069% | 2,515 |
| Memoranda: | ||
| Average total assets | $7,153,047,800 | 144 |
| Average earning assets | $6,698,277,200 | 135 |
| Average equity | $847,335,200 | 150 |
| Average total loans | $3,619,400,000 | 180 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 4,662 |
| Cost of funding earning assets | 0.2395% | 5,520 |
| Net interest margin | 3.5273% | 3,727 |
| Noninterest income to average assets | 0.5111% | 3,473 |
| Noninterest expense to average assets | 1.7112% | 6,203 |
| Loan and lease loss provision to assets | -0.3024% | 6,463 |
| Net operating income to assets | 1.5259% | 887 |
| Return on assets (ROA) | 1.5259% | 925 |
| Pretax return on assets | 2.4016% | 252 |
| Return on Equity (ROE) | 12.9686% | 1,226 |
| Retained earnings to average equity (ytd only) | 8.0197% | 1,351 |
| Net charge-offs to loans | -0.0167% | 5,568 |
| Credit loss provision to net charge-offs | 3,601.7897% | 100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5232% | 6,346 |
| Assets per employee ($millions) | 9.7592% | 261 |
| Cash dividends to net income (ytd only)* | 38.1609% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 2,277 |
| Loan loss allowance to noncurrent loans | 134.0036% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 3,748 |
| Noncurrent loans to loans | 1.1997% | 2,646 |
| Net loans and leases to total assets | 49.1663% | 5,097 |
| Net loans and leases to deposits | 63.1676% | 4,618 |
| Net loans and leases to core deposits | 70.3202% | 4,295 |
| Total domestic deposits to total assets | 77.8348% | 5,562 |
| Equity capital to assets | 11.6908% | 2,319 |
| Core capital (leverage) ratio | 10.6165% | 2,908 |
| Tier 1 risk-based capital ratio | 17.1272% | 2,561 |
| Total risk-based capital ratio | 18.3803% | 2,516 |
| Memoranda: | ||
| Average total assets | $7,098,214,250 | 143 |
| Average earning assets | $6,639,400,500 | 136 |
| Average equity | $835,176,000 | 150 |
| Average total loans | $3,569,983,250 | 178 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7438% | 4,717 |
| Cost of funding earning assets | 0.2441% | 5,546 |
| Net interest margin | 3.4997% | 3,793 |
| Noninterest income to average assets | 0.5416% | 3,196 |
| Noninterest expense to average assets | 1.7118% | 6,256 |
| Loan and lease loss provision to assets | -0.4319% | 6,570 |
| Net operating income to assets | 1.6023% | 701 |
| Return on assets (ROA) | 1.6023% | 729 |
| Pretax return on assets | 2.5314% | 197 |
| Return on Equity (ROE) | 13.5873% | 1,038 |
| Retained earnings to average equity (ytd only) | 8.4935% | 1,147 |
| Net charge-offs to loans | -0.0476% | 5,852 |
| Credit loss provision to net charge-offs | 1,799.7616% | 209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6777% | 6,400 |
| Assets per employee ($millions) | 9.4254% | 285 |
| Cash dividends to net income (ytd only)* | 37.4893% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 2,173 |
| Loan loss allowance to noncurrent loans | 108.8666% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 3,412 |
| Noncurrent loans to loans | 1.5468% | 2,238 |
| Net loans and leases to total assets | 47.9922% | 5,170 |
| Net loans and leases to deposits | 63.0823% | 4,585 |
| Net loans and leases to core deposits | 69.8568% | 4,281 |
| Total domestic deposits to total assets | 76.0787% | 5,907 |
| Equity capital to assets | 11.5648% | 2,362 |
| Core capital (leverage) ratio | 10.8835% | 2,546 |
| Tier 1 risk-based capital ratio | 17.2008% | 2,535 |
| Total risk-based capital ratio | 18.4551% | 2,495 |
| Memoranda: | ||
| Average total assets | $6,991,961,670 | 143 |
| Average earning assets | $6,532,308,670 | 137 |
| Average equity | $824,534,330 | 152 |
| Average total loans | $3,524,565,670 | 180 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 4,268 |
| Cost of funding earning assets | 0.2536% | 5,544 |
| Net interest margin | 3.6022% | 3,237 |
| Noninterest income to average assets | 0.6852% | 2,256 |
| Noninterest expense to average assets | 1.7677% | 6,260 |
| Loan and lease loss provision to assets | -0.4425% | 6,650 |
| Net operating income to assets | 1.7396% | 533 |
| Return on assets (ROA) | 1.7396% | 550 |
| Pretax return on assets | 2.7260% | 176 |
| Return on Equity (ROE) | 14.5973% | 845 |
| Retained earnings to average equity (ytd only) | 11.1314% | 722 |
| Net charge-offs to loans | -0.1139% | 6,171 |
| Credit loss provision to net charge-offs | 757.5758% | 382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4560% | 6,511 |
| Assets per employee ($millions) | 9.3840% | 297 |
| Cash dividends to net income (ytd only)* | 23.7433% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0196% | 1,484 |
| Loan loss allowance to noncurrent loans | 129.2625% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 3,549 |
| Noncurrent loans to loans | 1.5624% | 2,475 |
| Net loans and leases to total assets | 48.3404% | 5,079 |
| Net loans and leases to deposits | 65.0506% | 4,202 |
| Net loans and leases to core deposits | 72.6296% | 3,804 |
| Total domestic deposits to total assets | 74.3121% | 6,216 |
| Equity capital to assets | 11.9802% | 1,884 |
| Core capital (leverage) ratio | 11.3690% | 2,080 |
| Tier 1 risk-based capital ratio | 18.8061% | 2,028 |
| Total risk-based capital ratio | 20.0643% | 1,982 |
| Memoranda: | ||
| Average total assets | $6,779,056,000 | 145 |
| Average earning assets | $6,334,606,500 | 140 |
| Average equity | $807,876,000 | 155 |
| Average total loans | $3,476,385,000 | 179 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 4,483 |
| Cost of funding earning assets | 0.2659% | 5,864 |
| Net interest margin | 3.6282% | 3,336 |
| Noninterest income to average assets | 0.3684% | 4,676 |
| Noninterest expense to average assets | 1.7716% | 6,369 |
| Loan and lease loss provision to assets | -0.2597% | 6,647 |
| Net operating income to assets | 1.4691% | 878 |
| Return on assets (ROA) | 1.4906% | 885 |
| Pretax return on assets | 2.2511% | 289 |
| Return on Equity (ROE) | 12.2052% | 1,352 |
| Retained earnings to average equity (ytd only) | 4.2080% | 3,179 |
| Net charge-offs to loans | 0.0133% | 5,188 |
| Credit loss provision to net charge-offs | -3,673.2456% | 6,359 |
| Earnings coverage of net charge-offs (x) | 277.1184% | 162 |
| Efficiency ratio | 47.0201% | 6,520 |
| Assets per employee ($millions) | 9.0748% | 321 |
| Cash dividends to net income (ytd only)* | 65.5226% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1194% | 1,302 |
| Loan loss allowance to noncurrent loans | 131.7716% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 3,495 |
| Noncurrent loans to loans | 1.6084% | 2,496 |
| Net loans and leases to total assets | 52.1651% | 4,826 |
| Net loans and leases to deposits | 70.8295% | 3,675 |
| Net loans and leases to core deposits | 79.6770% | 3,166 |
| Total domestic deposits to total assets | 73.6489% | 6,308 |
| Equity capital to assets | 11.8520% | 1,907 |
| Core capital (leverage) ratio | 11.1952% | 2,202 |
| Tier 1 risk-based capital ratio | 17.6657% | 2,355 |
| Total risk-based capital ratio | 18.9251% | 2,327 |
| Memoranda: | ||
| Average total assets | $6,450,562,400 | 150 |
| Average earning assets | $5,977,487,600 | 144 |
| Average equity | $787,780,000 | 152 |
| Average total loans | $3,430,795,600 | 175 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 4,466 |
| Cost of funding earning assets | 0.2663% | 5,985 |
| Net interest margin | 3.6422% | 3,270 |
| Noninterest income to average assets | 0.3750% | 4,708 |
| Noninterest expense to average assets | 1.7996% | 6,338 |
| Loan and lease loss provision to assets | -0.2074% | 6,725 |
| Net operating income to assets | 1.4314% | 1,025 |
| Return on assets (ROA) | 1.4606% | 1,015 |
| Pretax return on assets | 2.1953% | 390 |
| Return on Equity (ROE) | 11.8687% | 1,513 |
| Retained earnings to average equity (ytd only) | 2.3858% | 4,905 |
| Net charge-offs to loans | 0.0697% | 3,932 |
| Credit loss provision to net charge-offs | -559.6175% | 6,085 |
| Earnings coverage of net charge-offs (x) | 52.4758% | 840 |
| Efficiency ratio | 47.5089% | 6,523 |
| Assets per employee ($millions) | 8.8210% | 333 |
| Cash dividends to net income (ytd only)* | 79.8984% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3431% | 1,116 |
| Loan loss allowance to noncurrent loans | 118.3701% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 3,348 |
| Noncurrent loans to loans | 1.9795% | 2,274 |
| Net loans and leases to total assets | 51.3270% | 4,958 |
| Net loans and leases to deposits | 68.4715% | 4,008 |
| Net loans and leases to core deposits | 77.1643% | 3,475 |
| Total domestic deposits to total assets | 74.9611% | 6,284 |
| Equity capital to assets | 11.9618% | 1,940 |
| Core capital (leverage) ratio | 11.3032% | 2,197 |
| Tier 1 risk-based capital ratio | 17.6577% | 2,454 |
| Total risk-based capital ratio | 18.9194% | 2,417 |
| Memoranda: | ||
| Average total assets | $6,397,980,250 | 147 |
| Average earning assets | $5,917,859,750 | 143 |
| Average equity | $787,363,000 | 148 |
| Average total loans | $3,401,020,000 | 174 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 4,353 |
| Cost of funding earning assets | 0.2663% | 6,065 |
| Net interest margin | 3.6647% | 3,102 |
| Noninterest income to average assets | 0.4022% | 4,509 |
| Noninterest expense to average assets | 1.8033% | 6,372 |
| Loan and lease loss provision to assets | -0.1954% | 6,779 |
| Net operating income to assets | 1.4564% | 969 |
| Return on assets (ROA) | 1.5006% | 967 |
| Pretax return on assets | 2.2510% | 382 |
| Return on Equity (ROE) | 12.0772% | 1,470 |
| Retained earnings to average equity (ytd only) | 0.1557% | 5,807 |
| Net charge-offs to loans | 0.0463% | 4,034 |
| Credit loss provision to net charge-offs | -790.8163% | 5,991 |
| Earnings coverage of net charge-offs (x) | 80.5217% | 563 |
| Efficiency ratio | 46.8180% | 6,598 |
| Assets per employee ($millions) | 8.6421% | 350 |
| Cash dividends to net income (ytd only)* | 98.7105% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5558% | 923 |
| Loan loss allowance to noncurrent loans | 116.8499% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.2555% | 3,247 |
| Noncurrent loans to loans | 2.1872% | 2,191 |
| Net loans and leases to total assets | 50.7421% | 5,030 |
| Net loans and leases to deposits | 67.2310% | 4,109 |
| Net loans and leases to core deposits | 76.0938% | 3,533 |
| Total domestic deposits to total assets | 75.4743% | 6,312 |
| Equity capital to assets | 11.9958% | 1,913 |
| Core capital (leverage) ratio | 11.4506% | 1,977 |
| Tier 1 risk-based capital ratio | 17.9720% | 2,321 |
| Total risk-based capital ratio | 19.2361% | 2,287 |
| Memoranda: | ||
| Average total assets | $6,345,972,000 | 149 |
| Average earning assets | $5,871,531,670 | 143 |
| Average equity | $788,491,000 | 147 |
| Average total loans | $3,386,464,670 | 173 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0276% | 4,003 |
| Cost of funding earning assets | 0.2700% | 6,157 |
| Net interest margin | 3.7576% | 2,619 |
| Noninterest income to average assets | 0.3060% | 5,246 |
| Noninterest expense to average assets | 1.8899% | 6,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3308% | 1,205 |
| Return on assets (ROA) | 1.4237% | 1,076 |
| Pretax return on assets | 2.0280% | 564 |
| Return on Equity (ROE) | 11.2607% | 1,630 |
| Retained earnings to average equity (ytd only) | -7.2948% | 6,490 |
| Net charge-offs to loans | 0.0262% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 134.0359% | 291 |
| Efficiency ratio | 49.1959% | 6,555 |
| Assets per employee ($millions) | 8.3355% | 424 |
| Cash dividends to net income (ytd only)* | 164.7813% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7379% | 875 |
| Loan loss allowance to noncurrent loans | 121.2980% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4413% | 3,097 |
| Noncurrent loans to loans | 2.2572% | 2,323 |
| Net loans and leases to total assets | 52.3325% | 4,656 |
| Net loans and leases to deposits | 69.4340% | 3,586 |
| Net loans and leases to core deposits | 78.9667% | 2,935 |
| Total domestic deposits to total assets | 75.3701% | 6,422 |
| Equity capital to assets | 12.5614% | 1,675 |
| Core capital (leverage) ratio | 11.1167% | 2,164 |
| Tier 1 risk-based capital ratio | 17.6934% | 2,486 |
| Total risk-based capital ratio | 18.9598% | 2,443 |
| Memoranda: | ||
| Average total assets | $6,308,411,000 | 153 |
| Average earning assets | $5,840,964,000 | 149 |
| Average equity | $797,607,000 | 149 |
| Average total loans | $3,407,868,000 | 172 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 3,710 |
| Cost of funding earning assets | 0.3813% | 6,047 |
| Net interest margin | 4.0454% | 2,216 |
| Noninterest income to average assets | 0.2409% | 5,728 |
| Noninterest expense to average assets | 2.0830% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2603% | 1,421 |
| Return on assets (ROA) | 1.2603% | 1,578 |
| Pretax return on assets | 1.8846% | 775 |
| Return on Equity (ROE) | 9.9393% | 2,195 |
| Retained earnings to average equity (ytd only) | -0.1547% | 5,878 |
| Net charge-offs to loans | 0.0443% | 5,293 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 79.5660% | 476 |
| Efficiency ratio | 51.6551% | 6,486 |
| Assets per employee ($millions) | 8.3974% | 420 |
| Cash dividends to net income (ytd only)* | 101.5560% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6814% | 943 |
| Loan loss allowance to noncurrent loans | 116.7317% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.4959% | 3,139 |
| Noncurrent loans to loans | 2.2970% | 2,353 |
| Net loans and leases to total assets | 52.7789% | 4,791 |
| Net loans and leases to deposits | 70.0546% | 3,701 |
| Net loans and leases to core deposits | 79.4116% | 3,088 |
| Total domestic deposits to total assets | 75.3398% | 6,420 |
| Equity capital to assets | 12.7245% | 1,580 |
| Core capital (leverage) ratio | 11.2117% | 2,082 |
| Tier 1 risk-based capital ratio | 17.7686% | 2,354 |
| Total risk-based capital ratio | 19.0345% | 2,311 |
| Memoranda: | ||
| Average total assets | $6,430,101,800 | 148 |
| Average earning assets | $5,923,648,600 | 143 |
| Average equity | $815,342,200 | 145 |
| Average total loans | $3,437,226,000 | 164 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 3,462 |
| Cost of funding earning assets | 0.4168% | 6,010 |
| Net interest margin | 4.1249% | 2,005 |
| Noninterest income to average assets | 0.2094% | 6,037 |
| Noninterest expense to average assets | 2.1983% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2007% | 1,736 |
| Return on assets (ROA) | 1.2007% | 1,908 |
| Pretax return on assets | 1.8061% | 1,033 |
| Return on Equity (ROE) | 9.4774% | 2,603 |
| Retained earnings to average equity (ytd only) | -0.6902% | 6,215 |
| Net charge-offs to loans | 0.0736% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 46.0469% | 796 |
| Efficiency ratio | 54.0102% | 6,245 |
| Assets per employee ($millions) | 8.4361% | 408 |
| Cash dividends to net income (ytd only)* | 107.2825% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6797% | 1,003 |
| Loan loss allowance to noncurrent loans | 102.4937% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.6099% | 3,181 |
| Noncurrent loans to loans | 2.6145% | 2,179 |
| Net loans and leases to total assets | 52.9876% | 4,914 |
| Net loans and leases to deposits | 69.8064% | 3,919 |
| Net loans and leases to core deposits | 79.4975% | 3,270 |
| Total domestic deposits to total assets | 75.9065% | 6,394 |
| Equity capital to assets | 12.8541% | 1,678 |
| Core capital (leverage) ratio | 11.0849% | 2,311 |
| Tier 1 risk-based capital ratio | 17.7979% | 2,425 |
| Total risk-based capital ratio | 19.0593% | 2,389 |
| Memoranda: | ||
| Average total assets | $6,448,410,750 | 147 |
| Average earning assets | $5,932,640,500 | 143 |
| Average equity | $816,958,000 | 144 |
| Average total loans | $3,434,650,500 | 165 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 3,506 |
| Cost of funding earning assets | 0.4376% | 6,052 |
| Net interest margin | 4.1269% | 1,981 |
| Noninterest income to average assets | 0.2286% | 5,934 |
| Noninterest expense to average assets | 1.7629% | 6,787 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4739% | 1,040 |
| Return on assets (ROA) | 1.4739% | 1,164 |
| Pretax return on assets | 2.2591% | 449 |
| Return on Equity (ROE) | 11.6893% | 1,775 |
| Retained earnings to average equity (ytd only) | 3.0192% | 4,633 |
| Net charge-offs to loans | 0.1207% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 35.4040% | 969 |
| Efficiency ratio | 42.8616% | 6,989 |
| Assets per employee ($millions) | 8.7893% | 348 |
| Cash dividends to net income (ytd only)* | 74.1716% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7123% | 1,021 |
| Loan loss allowance to noncurrent loans | 105.6485% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 1.5448% | 3,383 |
| Noncurrent loans to loans | 2.5673% | 2,345 |
| Net loans and leases to total assets | 50.6081% | 5,280 |
| Net loans and leases to deposits | 69.9713% | 3,901 |
| Net loans and leases to core deposits | 80.2065% | 3,188 |
| Total domestic deposits to total assets | 72.3270% | 6,781 |
| Equity capital to assets | 12.6340% | 1,731 |
| Core capital (leverage) ratio | 11.2315% | 2,102 |
| Tier 1 risk-based capital ratio | 18.2817% | 2,203 |
| Total risk-based capital ratio | 19.5481% | 2,162 |
| Memoranda: | ||
| Average total assets | $6,494,469,670 | 145 |
| Average earning assets | $5,969,662,670 | 143 |
| Average equity | $818,902,000 | 142 |
| Average total loans | $3,434,298,000 | 164 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4340% | 4,186 |
| Cost of funding earning assets | 0.4450% | 6,177 |
| Net interest margin | 3.9890% | 2,554 |
| Noninterest income to average assets | 0.3163% | 5,345 |
| Noninterest expense to average assets | 1.8080% | 6,784 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4308% | 1,166 |
| Return on assets (ROA) | 1.4308% | 1,309 |
| Pretax return on assets | 2.1742% | 564 |
| Return on Equity (ROE) | 11.3581% | 1,883 |
| Retained earnings to average equity (ytd only) | 8.4202% | 1,812 |
| Net charge-offs to loans | 0.2362% | 2,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 17.2625% | 1,312 |
| Efficiency ratio | 44.1383% | 6,984 |
| Assets per employee ($millions) | 8.6142% | 376 |
| Cash dividends to net income (ytd only)* | 25.8654% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6781% | 1,145 |
| Loan loss allowance to noncurrent loans | 94.6196% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.7702% | 3,214 |
| Noncurrent loans to loans | 2.8304% | 2,280 |
| Net loans and leases to total assets | 51.4299% | 5,087 |
| Net loans and leases to deposits | 71.1984% | 3,554 |
| Net loans and leases to core deposits | 82.3083% | 2,782 |
| Total domestic deposits to total assets | 72.2346% | 6,864 |
| Equity capital to assets | 12.7097% | 1,593 |
| Core capital (leverage) ratio | 11.2197% | 2,098 |
| Tier 1 risk-based capital ratio | 17.9757% | 2,301 |
| Total risk-based capital ratio | 19.2414% | 2,269 |
| Memoranda: | ||
| Average total assets | $6,485,269,500 | 146 |
| Average earning assets | $5,959,863,500 | 141 |
| Average equity | $816,935,500 | 139 |
| Average total loans | $3,457,479,500 | 162 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 4,749 |
| Cost of funding earning assets | 0.5379% | 6,391 |
| Net interest margin | 4.0433% | 2,657 |
| Noninterest income to average assets | 0.6835% | 2,699 |
| Noninterest expense to average assets | 2.1883% | 6,296 |
| Loan and lease loss provision to assets | 0.1092% | 5,229 |
| Net operating income to assets | 1.3777% | 1,069 |
| Return on assets (ROA) | 1.3709% | 1,169 |
| Pretax return on assets | 2.0530% | 478 |
| Return on Equity (ROE) | 11.3420% | 1,605 |
| Retained earnings to average equity (ytd only) | 2.6518% | 4,340 |
| Net charge-offs to loans | 0.5150% | 2,929 |
| Credit loss provision to net charge-offs | 38.4904% | 5,658 |
| Earnings coverage of net charge-offs (x) | 7.6586% | 2,296 |
| Efficiency ratio | 48.9501% | 6,893 |
| Assets per employee ($millions) | 8.6454% | 371 |
| Cash dividends to net income (ytd only)* | 76.6197% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6981% | 1,077 |
| Loan loss allowance to noncurrent loans | 87.1554% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 2.0294% | 2,926 |
| Noncurrent loans to loans | 3.0957% | 2,087 |
| Net loans and leases to total assets | 52.3308% | 5,260 |
| Net loans and leases to deposits | 73.2583% | 3,624 |
| Net loans and leases to core deposits | 85.5896% | 2,688 |
| Total domestic deposits to total assets | 71.4333% | 6,904 |
| Equity capital to assets | 12.4835% | 1,808 |
| Core capital (leverage) ratio | 10.9203% | 2,331 |
| Tier 1 risk-based capital ratio | 17.3617% | 2,432 |
| Total risk-based capital ratio | 18.6277% | 2,399 |
| Memoranda: | ||
| Average total assets | $6,473,974,800 | 145 |
| Average earning assets | $5,887,566,000 | 145 |
| Average equity | $782,488,600 | 141 |
| Average total loans | $3,565,966,200 | 158 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 4,528 |
| Cost of funding earning assets | 0.5504% | 6,513 |
| Net interest margin | 4.1347% | 2,332 |
| Noninterest income to average assets | 0.6684% | 2,782 |
| Noninterest expense to average assets | 2.2046% | 6,267 |
| Loan and lease loss provision to assets | 0.1456% | 4,624 |
| Net operating income to assets | 1.3655% | 1,229 |
| Return on assets (ROA) | 1.3581% | 1,326 |
| Pretax return on assets | 2.0555% | 561 |
| Return on Equity (ROE) | 11.3295% | 1,750 |
| Retained earnings to average equity (ytd only) | 3.0825% | 4,490 |
| Net charge-offs to loans | 0.6245% | 2,378 |
| Credit loss provision to net charge-offs | 42.0739% | 5,197 |
| Earnings coverage of net charge-offs (x) | 6.3940% | 2,558 |
| Efficiency ratio | 48.6876% | 6,910 |
| Assets per employee ($millions) | 8.5592% | 385 |
| Cash dividends to net income (ytd only)* | 72.7923% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7604% | 1,066 |
| Loan loss allowance to noncurrent loans | 85.1294% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 2.1828% | 2,919 |
| Noncurrent loans to loans | 3.2426% | 2,138 |
| Net loans and leases to total assets | 51.5962% | 5,499 |
| Net loans and leases to deposits | 73.1161% | 3,789 |
| Net loans and leases to core deposits | 85.5580% | 2,837 |
| Total domestic deposits to total assets | 70.5674% | 7,011 |
| Equity capital to assets | 12.3169% | 2,018 |
| Core capital (leverage) ratio | 11.0445% | 2,349 |
| Tier 1 risk-based capital ratio | 17.3878% | 2,489 |
| Total risk-based capital ratio | 18.6546% | 2,452 |
| Memoranda: | ||
| Average total assets | $6,473,615,500 | 147 |
| Average earning assets | $5,868,835,500 | 146 |
| Average equity | $776,021,250 | 143 |
| Average total loans | $3,586,807,250 | 158 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 4,502 |
| Cost of funding earning assets | 0.5642% | 6,613 |
| Net interest margin | 4.1442% | 2,248 |
| Noninterest income to average assets | 0.6483% | 2,853 |
| Noninterest expense to average assets | 2.2502% | 6,244 |
| Loan and lease loss provision to assets | 0.2189% | 3,729 |
| Net operating income to assets | 1.2999% | 1,319 |
| Return on assets (ROA) | 1.2975% | 1,399 |
| Pretax return on assets | 1.9292% | 666 |
| Return on Equity (ROE) | 10.9247% | 1,822 |
| Retained earnings to average equity (ytd only) | 3.8836% | 3,727 |
| Net charge-offs to loans | 0.8505% | 1,803 |
| Credit loss provision to net charge-offs | 45.8009% | 4,682 |
| Earnings coverage of net charge-offs (x) | 4.5021% | 2,845 |
| Efficiency ratio | 49.8744% | 6,948 |
| Assets per employee ($millions) | 8.4227% | 397 |
| Cash dividends to net income (ytd only)* | 64.4514% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7418% | 1,136 |
| Loan loss allowance to noncurrent loans | 72.4801% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.4905% | 2,678 |
| Noncurrent loans to loans | 3.7829% | 1,849 |
| Net loans and leases to total assets | 53.2725% | 5,390 |
| Net loans and leases to deposits | 75.9705% | 3,481 |
| Net loans and leases to core deposits | 89.9592% | 2,377 |
| Total domestic deposits to total assets | 70.1227% | 7,100 |
| Equity capital to assets | 12.1857% | 1,974 |
| Core capital (leverage) ratio | 11.0060% | 2,244 |
| Tier 1 risk-based capital ratio | 17.1394% | 2,463 |
| Total risk-based capital ratio | 18.4068% | 2,437 |
| Memoranda: | ||
| Average total assets | $6,457,463,000 | 149 |
| Average earning assets | $5,848,920,330 | 149 |
| Average equity | $766,923,000 | 145 |
| Average total loans | $3,628,854,000 | 157 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 5,205 |
| Cost of funding earning assets | 0.5842% | 6,675 |
| Net interest margin | 3.9552% | 2,893 |
| Noninterest income to average assets | 0.7688% | 2,162 |
| Noninterest expense to average assets | 2.2620% | 6,277 |
| Loan and lease loss provision to assets | 0.4376% | 2,017 |
| Net operating income to assets | 1.1373% | 1,711 |
| Return on assets (ROA) | 1.1373% | 1,754 |
| Pretax return on assets | 1.6573% | 1,065 |
| Return on Equity (ROE) | 9.7025% | 2,207 |
| Retained earnings to average equity (ytd only) | 3.8923% | 3,837 |
| Net charge-offs to loans | 1.2251% | 1,136 |
| Credit loss provision to net charge-offs | 62.7709% | 3,495 |
| Earnings coverage of net charge-offs (x) | 3.0048% | 2,879 |
| Efficiency ratio | 50.6374% | 6,943 |
| Assets per employee ($millions) | 8.4529% | 402 |
| Cash dividends to net income (ytd only)* | 59.8835% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8059% | 1,104 |
| Loan loss allowance to noncurrent loans | 63.9127% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.7090% | 2,545 |
| Noncurrent loans to loans | 4.3902% | 1,606 |
| Net loans and leases to total assets | 53.9277% | 5,312 |
| Net loans and leases to deposits | 77.7868% | 3,098 |
| Net loans and leases to core deposits | 93.8202% | 1,907 |
| Total domestic deposits to total assets | 69.3275% | 7,214 |
| Equity capital to assets | 11.7417% | 2,087 |
| Core capital (leverage) ratio | 10.7349% | 2,410 |
| Tier 1 risk-based capital ratio | 16.9610% | 2,493 |
| Total risk-based capital ratio | 18.2299% | 2,454 |
| Memoranda: | ||
| Average total assets | $6,460,288,500 | 151 |
| Average earning assets | $5,860,738,000 | 151 |
| Average equity | $757,286,000 | 145 |
| Average total loans | $3,676,312,000 | 155 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 3,292 |
| Cost of funding earning assets | 0.9034% | 6,163 |
| Net interest margin | 4.3626% | 1,609 |
| Noninterest income to average assets | 0.6164% | 3,368 |
| Noninterest expense to average assets | 2.7705% | 4,707 |
| Loan and lease loss provision to assets | 0.9198% | 1,775 |
| Net operating income to assets | 0.6287% | 3,539 |
| Return on assets (ROA) | 1.0342% | 2,031 |
| Pretax return on assets | 1.4560% | 1,493 |
| Return on Equity (ROE) | 9.0245% | 2,277 |
| Retained earnings to average equity (ytd only) | 3.3721% | 3,506 |
| Net charge-offs to loans | 1.6598% | 1,308 |
| Credit loss provision to net charge-offs | 94.3483% | 4,926 |
| Earnings coverage of net charge-offs (x) | 1.8512% | 4,341 |
| Efficiency ratio | 59.3284% | 6,143 |
| Assets per employee ($millions) | 8.4367% | 409 |
| Cash dividends to net income (ytd only)* | 62.6344% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8064% | 1,046 |
| Loan loss allowance to noncurrent loans | 50.0952% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 3.5265% | 1,961 |
| Noncurrent loans to loans | 5.6021% | 1,166 |
| Net loans and leases to total assets | 56.7048% | 5,228 |
| Net loans and leases to deposits | 80.4184% | 3,092 |
| Net loans and leases to core deposits | 100.0303% | 1,611 |
| Total domestic deposits to total assets | 70.5121% | 7,208 |
| Equity capital to assets | 11.7025% | 2,126 |
| Core capital (leverage) ratio | 10.5374% | 2,519 |
| Tier 1 risk-based capital ratio | 16.5497% | 2,503 |
| Total risk-based capital ratio | 17.8192% | 2,473 |
| Memoranda: | ||
| Average total assets | $6,653,821,600 | 146 |
| Average earning assets | $6,037,912,400 | 143 |
| Average equity | $762,498,600 | 141 |
| Average total loans | $3,908,178,000 | 144 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4309% | 2,740 |
| Cost of funding earning assets | 0.9760% | 6,052 |
| Net interest margin | 4.4549% | 1,358 |
| Noninterest income to average assets | 0.6925% | 2,861 |
| Noninterest expense to average assets | 2.9009% | 4,088 |
| Loan and lease loss provision to assets | 0.9637% | 1,552 |
| Net operating income to assets | 0.6045% | 3,864 |
| Return on assets (ROA) | 1.1343% | 1,896 |
| Pretax return on assets | 1.6263% | 1,278 |
| Return on Equity (ROE) | 9.9485% | 2,142 |
| Retained earnings to average equity (ytd only) | 4.3542% | 3,429 |
| Net charge-offs to loans | 1.7609% | 1,106 |
| Credit loss provision to net charge-offs | 93.0259% | 4,657 |
| Earnings coverage of net charge-offs (x) | 1.7696% | 4,388 |
| Efficiency ratio | 60.0911% | 5,934 |
| Assets per employee ($millions) | 8.5192% | 411 |
| Cash dividends to net income (ytd only)* | 56.2329% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7520% | 1,034 |
| Loan loss allowance to noncurrent loans | 46.3693% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 3.9201% | 1,795 |
| Noncurrent loans to loans | 5.9350% | 1,060 |
| Net loans and leases to total assets | 57.4652% | 5,342 |
| Net loans and leases to deposits | 82.0483% | 3,095 |
| Net loans and leases to core deposits | 104.7102% | 1,424 |
| Total domestic deposits to total assets | 70.0383% | 7,273 |
| Equity capital to assets | 11.9521% | 2,185 |
| Core capital (leverage) ratio | 10.1788% | 3,066 |
| Tier 1 risk-based capital ratio | 16.2923% | 2,639 |
| Total risk-based capital ratio | 17.5612% | 2,587 |
| Memoranda: | ||
| Average total assets | $6,710,084,250 | 145 |
| Average earning assets | $6,087,703,250 | 142 |
| Average equity | $765,042,250 | 137 |
| Average total loans | $3,947,553,000 | 143 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5595% | 2,294 |
| Cost of funding earning assets | 1.0249% | 6,030 |
| Net interest margin | 4.5345% | 1,137 |
| Noninterest income to average assets | 0.6631% | 2,940 |
| Noninterest expense to average assets | 2.7346% | 4,762 |
| Loan and lease loss provision to assets | 0.6835% | 2,118 |
| Net operating income to assets | 0.9437% | 2,389 |
| Return on assets (ROA) | 1.1082% | 1,893 |
| Pretax return on assets | 1.6049% | 1,292 |
| Return on Equity (ROE) | 9.8718% | 2,148 |
| Retained earnings to average equity (ytd only) | 4.2296% | 3,380 |
| Net charge-offs to loans | 0.6808% | 2,516 |
| Credit loss provision to net charge-offs | 170.8898% | 2,289 |
| Earnings coverage of net charge-offs (x) | 5.1251% | 2,742 |
| Efficiency ratio | 55.9924% | 6,637 |
| Assets per employee ($millions) | 8.8655% | 354 |
| Cash dividends to net income (ytd only)* | 57.1550% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0151% | 810 |
| Loan loss allowance to noncurrent loans | 79.7408% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 2.4626% | 2,920 |
| Noncurrent loans to loans | 3.7811% | 2,044 |
| Net loans and leases to total assets | 55.6449% | 5,764 |
| Net loans and leases to deposits | 82.5794% | 3,167 |
| Net loans and leases to core deposits | 104.8436% | 1,554 |
| Total domestic deposits to total assets | 67.3835% | 7,453 |
| Equity capital to assets | 11.3740% | 2,538 |
| Core capital (leverage) ratio | 9.9014% | 3,283 |
| Tier 1 risk-based capital ratio | 15.8416% | 2,742 |
| Total risk-based capital ratio | 17.1120% | 2,698 |
| Memoranda: | ||
| Average total assets | $6,788,591,670 | 143 |
| Average earning assets | $6,169,912,670 | 142 |
| Average equity | $762,108,330 | 138 |
| Average total loans | $3,988,100,330 | 142 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9473% | 1,084 |
| Cost of funding earning assets | 1.0687% | 6,048 |
| Net interest margin | 4.8787% | 546 |
| Noninterest income to average assets | 0.7002% | 2,604 |
| Noninterest expense to average assets | 2.8672% | 4,197 |
| Loan and lease loss provision to assets | 0.7223% | 1,761 |
| Net operating income to assets | 1.0637% | 1,949 |
| Return on assets (ROA) | 1.0358% | 2,113 |
| Pretax return on assets | 1.5025% | 1,507 |
| Return on Equity (ROE) | 9.2882% | 2,382 |
| Retained earnings to average equity (ytd only) | 3.4482% | 4,083 |
| Net charge-offs to loans | 0.8767% | 1,801 |
| Credit loss provision to net charge-offs | 138.5891% | 2,552 |
| Earnings coverage of net charge-offs (x) | 4.3466% | 2,652 |
| Efficiency ratio | 54.7675% | 6,911 |
| Assets per employee ($millions) | 8.6059% | 403 |
| Cash dividends to net income (ytd only)* | 62.8751% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8420% | 941 |
| Loan loss allowance to noncurrent loans | 93.1352% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 2.1501% | 3,327 |
| Noncurrent loans to loans | 3.0515% | 2,624 |
| Net loans and leases to total assets | 56.6240% | 5,658 |
| Net loans and leases to deposits | 84.6913% | 2,819 |
| Net loans and leases to core deposits | 108.4475% | 1,387 |
| Total domestic deposits to total assets | 66.8594% | 7,577 |
| Equity capital to assets | 11.2077% | 2,584 |
| Core capital (leverage) ratio | 9.7928% | 3,406 |
| Tier 1 risk-based capital ratio | 15.4331% | 2,901 |
| Total risk-based capital ratio | 16.7031% | 2,840 |
| Memoranda: | ||
| Average total assets | $6,756,381,500 | 143 |
| Average earning assets | $6,138,161,500 | 143 |
| Average equity | $753,430,500 | 139 |
| Average total loans | $4,016,199,500 | 143 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 5,978 |
| Cost of funding earning assets | 1.3987% | 5,938 |
| Net interest margin | 3.7272% | 4,018 |
| Noninterest income to average assets | 0.9674% | 1,675 |
| Noninterest expense to average assets | 2.1529% | 7,080 |
| Loan and lease loss provision to assets | 1.2295% | 1,871 |
| Net operating income to assets | 0.7444% | 2,749 |
| Return on assets (ROA) | 1.0536% | 1,693 |
| Pretax return on assets | 1.4572% | 1,296 |
| Return on Equity (ROE) | 9.3750% | 1,893 |
| Retained earnings to average equity (ytd only) | 4.6186% | 2,023 |
| Net charge-offs to loans | 0.6831% | 3,142 |
| Credit loss provision to net charge-offs | 315.2412% | 1,034 |
| Earnings coverage of net charge-offs (x) | 5.7872% | 2,503 |
| Efficiency ratio | 47.7227% | 7,640 |
| Assets per employee ($millions) | 8.8804% | 365 |
| Cash dividends to net income (ytd only)* | 50.7349% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6696% | 1,046 |
| Loan loss allowance to noncurrent loans | 96.2856% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.8218% | 3,639 |
| Noncurrent loans to loans | 2.7726% | 2,785 |
| Net loans and leases to total assets | 58.9962% | 5,488 |
| Net loans and leases to deposits | 89.1901% | 2,361 |
| Net loans and leases to core deposits | 115.1500% | 2,400 |
| Total domestic deposits to total assets | 66.1466% | 7,635 |
| Equity capital to assets | 11.0946% | 2,627 |
| Core capital (leverage) ratio | 9.5798% | 3,625 |
| Tier 1 risk-based capital ratio | 14.9880% | 2,941 |
| Total risk-based capital ratio | 16.2559% | 2,885 |
| Memoranda: | ||
| Average total assets | $6,547,417,600 | 143 |
| Average earning assets | $6,047,398,200 | 141 |
| Average equity | $735,854,400 | 134 |
| Average total loans | $3,738,128,000 | 152 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 6,268 |
| Cost of funding earning assets | 1.4017% | 6,224 |
| Net interest margin | 3.6977% | 4,081 |
| Noninterest income to average assets | 0.6166% | 3,572 |
| Noninterest expense to average assets | 2.0371% | 7,316 |
| Loan and lease loss provision to assets | 1.1279% | 1,733 |
| Net operating income to assets | 0.6351% | 3,476 |
| Return on assets (ROA) | 1.0517% | 1,958 |
| Pretax return on assets | 1.4602% | 1,518 |
| Return on Equity (ROE) | 9.3271% | 2,152 |
| Retained earnings to average equity (ytd only) | 4.9623% | 2,510 |
| Net charge-offs to loans | 0.7901% | 2,388 |
| Credit loss provision to net charge-offs | 254.1120% | 1,686 |
| Earnings coverage of net charge-offs (x) | 4.5274% | 3,107 |
| Efficiency ratio | 49.1962% | 7,611 |
| Assets per employee ($millions) | 9.2873% | 338 |
| Cash dividends to net income (ytd only)* | 46.7973% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4254% | 1,141 |
| Loan loss allowance to noncurrent loans | 150.2021% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 5,262 |
| Noncurrent loans to loans | 1.6148% | 4,219 |
| Net loans and leases to total assets | 53.7262% | 6,415 |
| Net loans and leases to deposits | 86.7151% | 3,183 |
| Net loans and leases to core deposits | 116.1884% | 2,602 |
| Total domestic deposits to total assets | 61.9571% | 7,819 |
| Equity capital to assets | 11.6335% | 2,482 |
| Core capital (leverage) ratio | 10.0689% | 3,211 |
| Tier 1 risk-based capital ratio | 15.2276% | 2,937 |
| Total risk-based capital ratio | 16.4875% | 2,880 |
| Memoranda: | ||
| Average total assets | $6,501,441,000 | 152 |
| Average earning assets | $6,030,836,000 | 147 |
| Average equity | $733,114,000 | 137 |
| Average total loans | $3,652,622,000 | 164 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 6,254 |
| Cost of funding earning assets | 1.4347% | 6,368 |
| Net interest margin | 3.7145% | 3,892 |
| Noninterest income to average assets | 0.5827% | 3,816 |
| Noninterest expense to average assets | 2.0780% | 7,321 |
| Loan and lease loss provision to assets | 1.2945% | 1,324 |
| Net operating income to assets | 0.4737% | 4,204 |
| Return on assets (ROA) | 0.9585% | 2,350 |
| Pretax return on assets | 1.3146% | 1,977 |
| Return on Equity (ROE) | 8.5921% | 2,521 |
| Retained earnings to average equity (ytd only) | 4.7244% | 2,673 |
| Net charge-offs to loans | 1.1555% | 1,576 |
| Credit loss provision to net charge-offs | 198.0665% | 2,309 |
| Earnings coverage of net charge-offs (x) | 2.9759% | 3,617 |
| Efficiency ratio | 50.4873% | 7,636 |
| Assets per employee ($millions) | 8.9373% | 357 |
| Cash dividends to net income (ytd only)* | 45.0146% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 1,443 |
| Loan loss allowance to noncurrent loans | 145.8227% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 5,260 |
| Noncurrent loans to loans | 1.4182% | 4,372 |
| Net loans and leases to total assets | 55.2430% | 6,310 |
| Net loans and leases to deposits | 88.5368% | 3,081 |
| Net loans and leases to core deposits | 119.7204% | 2,395 |
| Total domestic deposits to total assets | 62.3956% | 7,877 |
| Equity capital to assets | 11.3610% | 2,626 |
| Core capital (leverage) ratio | 10.1038% | 3,185 |
| Tier 1 risk-based capital ratio | 14.9488% | 3,045 |
| Total risk-based capital ratio | 16.2066% | 2,979 |
| Memoranda: | ||
| Average total assets | $6,489,179,000 | 155 |
| Average earning assets | $6,010,083,670 | 150 |
| Average equity | $723,943,670 | 143 |
| Average total loans | $3,670,142,670 | 172 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 6,232 |
| Cost of funding earning assets | 1.4844% | 6,453 |
| Net interest margin | 3.7311% | 3,757 |
| Noninterest income to average assets | 0.5613% | 3,826 |
| Noninterest expense to average assets | 1.9939% | 7,366 |
| Loan and lease loss provision to assets | 1.3477% | 949 |
| Net operating income to assets | 0.4815% | 4,508 |
| Return on assets (ROA) | 0.8698% | 2,986 |
| Pretax return on assets | 1.2270% | 2,523 |
| Return on Equity (ROE) | 7.8675% | 3,212 |
| Retained earnings to average equity (ytd only) | 3.9889% | 3,681 |
| Net charge-offs to loans | 1.1040% | 1,233 |
| Credit loss provision to net charge-offs | 215.5595% | 2,094 |
| Earnings coverage of net charge-offs (x) | 3.2433% | 3,236 |
| Efficiency ratio | 48.3785% | 7,709 |
| Assets per employee ($millions) | 8.8921% | 368 |
| Cash dividends to net income (ytd only)* | 49.2992% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 1,859 |
| Loan loss allowance to noncurrent loans | 136.8841% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8844% | 4,983 |
| Noncurrent loans to loans | 1.3129% | 4,352 |
| Net loans and leases to total assets | 56.0441% | 6,233 |
| Net loans and leases to deposits | 94.4650% | 2,199 |
| Net loans and leases to core deposits | 126.4826% | 1,890 |
| Total domestic deposits to total assets | 59.3279% | 7,980 |
| Equity capital to assets | 11.3652% | 2,679 |
| Core capital (leverage) ratio | 9.6592% | 3,806 |
| Tier 1 risk-based capital ratio | 14.4130% | 3,355 |
| Total risk-based capital ratio | 15.6678% | 3,277 |
| Memoranda: | ||
| Average total assets | $6,529,755,000 | 154 |
| Average earning assets | $6,055,923,000 | 149 |
| Average equity | $721,907,500 | 143 |
| Average total loans | $3,697,841,500 | 173 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5630% | 7,172 |
| Cost of funding earning assets | 2.2038% | 5,582 |
| Net interest margin | 3.3592% | 5,824 |
| Noninterest income to average assets | 0.7106% | 3,051 |
| Noninterest expense to average assets | 1.9320% | 7,562 |
| Loan and lease loss provision to assets | 0.4136% | 3,217 |
| Net operating income to assets | 1.0698% | 2,257 |
| Return on assets (ROA) | 1.0609% | 2,210 |
| Pretax return on assets | 1.4782% | 1,743 |
| Return on Equity (ROE) | 12.0375% | 1,582 |
| Retained earnings to average equity (ytd only) | 8.8619% | 628 |
| Net charge-offs to loans | 0.1603% | 4,592 |
| Credit loss provision to net charge-offs | 467.5690% | 945 |
| Earnings coverage of net charge-offs (x) | 21.4869% | 1,528 |
| Efficiency ratio | 48.9517% | 7,739 |
| Assets per employee ($millions) | 9.2854% | 323 |
| Cash dividends to net income (ytd only)* | 26.3806% | 4,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 2,955 |
| Loan loss allowance to noncurrent loans | 305.1402% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 6,143 |
| Noncurrent loans to loans | 0.4732% | 5,926 |
| Net loans and leases to total assets | 55.3955% | 6,501 |
| Net loans and leases to deposits | 104.1898% | 1,322 |
| Net loans and leases to core deposits | 131.6514% | 1,748 |
| Total domestic deposits to total assets | 53.1679% | 8,096 |
| Equity capital to assets | 10.7572% | 3,242 |
| Core capital (leverage) ratio | 9.6527% | 3,826 |
| Tier 1 risk-based capital ratio | 13.9346% | 3,576 |
| Total risk-based capital ratio | 15.1853% | 3,497 |
| Memoranda: | ||
| Average total assets | $6,431,390,000 | 149 |
| Average earning assets | $5,977,338,600 | 147 |
| Average equity | $566,828,400 | 171 |
| Average total loans | $3,548,278,800 | 179 |