| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8867% | 735 |
| Cost of funding earning assets | 3.1311% | 120 |
| Net interest margin | 2.7556% | 3,742 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.3493% | 4,416 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.9398% | 2,404 |
| Return on assets (ROA) | 0.9397% | 2,389 |
| Pretax return on assets | 1.1923% | 2,162 |
| Return on Equity (ROE) | 8.5000% | 2,894 |
| Retained earnings to average equity (ytd only) | -1.5029% | 4,231 |
| Net charge-offs to loans | 0.2414% | 446 |
| Credit loss provision to net charge-offs | 160.9900% | 1,403 |
| Earnings coverage of net charge-offs (x) | 8.6642% | 2,330 |
| Efficiency ratio | 47.9911% | 4,091 |
| Assets per employee ($millions) | 25.7440% | 63 |
| Cash dividends to net income (ytd only)* | 117.6740% | 178 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0785% | 2,946 |
| Loan loss allowance to noncurrent loans | 130.8844% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 967 |
| Noncurrent loans to loans | 0.8240% | 936 |
| Net loans and leases to total assets | 67.8900% | 2,051 |
| Net loans and leases to deposits | 89.1066% | 1,333 |
| Net loans and leases to core deposits | 127.2000% | 455 |
| Total domestic deposits to total assets | 76.1900% | 3,929 |
| Equity capital to assets | 10.9299% | 1,507 |
| Core capital (leverage) ratio | 10.7233% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8069% | 1,594 |
| Memoranda: |
| Average total assets | $11,168,320,800 | 149 |
| Average earning assets | $10,593,685,000 | 144 |
| Average equity | $1,234,174,600 | 142 |
| Average total loans | $7,807,667,000 | 146 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8128% | 674 |
| Cost of funding earning assets | 3.0301% | 110 |
| Net interest margin | 2.7828% | 3,753 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.3744% | 4,412 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.0135% | 2,327 |
| Return on assets (ROA) | 1.0134% | 2,313 |
| Pretax return on assets | 1.2949% | 2,058 |
| Return on Equity (ROE) | 9.1400% | 2,889 |
| Retained earnings to average equity (ytd only) | -2.3888% | 4,339 |
| Net charge-offs to loans | 0.1187% | 677 |
| Credit loss provision to net charge-offs | 228.5508% | 1,038 |
| Earnings coverage of net charge-offs (x) | 17.8852% | 1,889 |
| Efficiency ratio | 47.9650% | 4,045 |
| Assets per employee ($millions) | 24.5814% | 64 |
| Cash dividends to net income (ytd only)* | 126.1244% | 109 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0527% | 3,106 |
| Loan loss allowance to noncurrent loans | 118.1478% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 884 |
| Noncurrent loans to loans | 0.8910% | 923 |
| Net loans and leases to total assets | 70.5000% | 1,769 |
| Net loans and leases to deposits | 93.1368% | 957 |
| Net loans and leases to core deposits | 134.8633% | 279 |
| Total domestic deposits to total assets | 75.6900% | 4,039 |
| Equity capital to assets | 10.9274% | 1,374 |
| Core capital (leverage) ratio | 10.9883% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5875% | 1,686 |
| Memoranda: |
| Average total assets | $11,057,770,500 | 150 |
| Average earning assets | $10,473,652,250 | 146 |
| Average equity | $1,225,462,750 | 145 |
| Average total loans | $7,767,410,000 | 148 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6919% | 648 |
| Cost of funding earning assets | 2.8542% | 106 |
| Net interest margin | 2.8377% | 3,764 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.3877% | 4,426 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.0160% | 2,375 |
| Return on assets (ROA) | 1.0157% | 2,370 |
| Pretax return on assets | 1.3045% | 2,072 |
| Return on Equity (ROE) | 9.1200% | 2,949 |
| Retained earnings to average equity (ytd only) | -5.9274% | 4,449 |
| Net charge-offs to loans | 0.1703% | 464 |
| Credit loss provision to net charge-offs | 154.5413% | 1,180 |
| Earnings coverage of net charge-offs (x) | 12.6998% | 1,927 |
| Efficiency ratio | 47.8532% | 4,076 |
| Assets per employee ($millions) | 23.6175% | 70 |
| Cash dividends to net income (ytd only)* | 164.9753% | 88 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0047% | 3,397 |
| Loan loss allowance to noncurrent loans | 267.5158% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 1,805 |
| Noncurrent loans to loans | 0.3756% | 1,795 |
| Net loans and leases to total assets | 70.0100% | 1,741 |
| Net loans and leases to deposits | 99.1564% | 557 |
| Net loans and leases to core deposits | 143.7229% | 187 |
| Total domestic deposits to total assets | 70.6100% | 4,338 |
| Equity capital to assets | 11.0872% | 1,356 |
| Core capital (leverage) ratio | 10.8628% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4142% | 1,754 |
| Memoranda: |
| Average total assets | $11,040,103,667 | 147 |
| Average earning assets | $10,397,355,667 | 143 |
| Average equity | $1,229,243,667 | 139 |
| Average total loans | $7,717,749,667 | 144 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3834% | 743 |
| Cost of funding earning assets | 2.4829% | 102 |
| Net interest margin | 2.9005% | 3,792 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.4121% | 4,463 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.9637% | 2,645 |
| Return on assets (ROA) | 0.9631% | 2,607 |
| Pretax return on assets | 1.2363% | 2,339 |
| Return on Equity (ROE) | 8.6300% | 3,151 |
| Retained earnings to average equity (ytd only) | -10.4769% | 4,485 |
| Net charge-offs to loans | 0.0507% | 859 |
| Credit loss provision to net charge-offs | 503.3846% | 540 |
| Earnings coverage of net charge-offs (x) | 41.1528% | 1,179 |
| Efficiency ratio | 49.3384% | 3,992 |
| Assets per employee ($millions) | 22.7169% | 78 |
| Cash dividends to net income (ytd only)* | 221.3801% | 114 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0121% | 3,467 |
| Loan loss allowance to noncurrent loans | 1,160.1095% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 3,005 |
| Noncurrent loans to loans | 0.0872% | 3,115 |
| Net loans and leases to total assets | 69.4300% | 1,679 |
| Net loans and leases to deposits | 102.1074% | 357 |
| Net loans and leases to core deposits | 144.0891% | 155 |
| Total domestic deposits to total assets | 68.0000% | 4,460 |
| Equity capital to assets | 11.1377% | 1,291 |
| Core capital (leverage) ratio | 11.3773% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5253% | 1,789 |
| Memoranda: |
| Average total assets | $11,069,077,000 | 151 |
| Average earning assets | $10,389,024,000 | 146 |
| Average equity | $1,235,060,500 | 143 |
| Average total loans | $7,693,265,000 | 151 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0058% | 1,703 |
| Cost of funding earning assets | 0.8394% | 341 |
| Net interest margin | 3.1663% | 2,965 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.3559% | 4,536 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.4276% | 1,057 |
| Return on assets (ROA) | 1.4264% | 1,025 |
| Pretax return on assets | 1.8753% | 616 |
| Return on Equity (ROE) | 12.5000% | 1,977 |
| Retained earnings to average equity (ytd only) | 5.7325% | 2,737 |
| Net charge-offs to loans | 0.0086% | 2,070 |
| Credit loss provision to net charge-offs | -88.3013% | 4,575 |
| Earnings coverage of net charge-offs (x) | 335.7596% | 452 |
| Efficiency ratio | 41.8537% | 4,493 |
| Assets per employee ($millions) | 22.3745% | 80 |
| Cash dividends to net income (ytd only)* | 54.1450% | 1,210 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9741% | 3,497 |
| Loan loss allowance to noncurrent loans | 1,150.7806% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 3,031 |
| Noncurrent loans to loans | 0.0846% | 3,150 |
| Net loans and leases to total assets | 68.1900% | 1,808 |
| Net loans and leases to deposits | 86.9341% | 1,247 |
| Net loans and leases to core deposits | 121.1745% | 350 |
| Total domestic deposits to total assets | 78.4400% | 4,051 |
| Equity capital to assets | 11.1777% | 1,191 |
| Core capital (leverage) ratio | 11.7836% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9946% | 1,632 |
| Memoranda: |
| Average total assets | $11,122,631,800 | 151 |
| Average earning assets | $10,491,773,400 | 148 |
| Average equity | $1,269,043,400 | 142 |
| Average total loans | $7,275,375,600 | 153 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7180% | 1,983 |
| Cost of funding earning assets | 0.5713% | 508 |
| Net interest margin | 3.1467% | 2,786 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.3292% | 4,563 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3863% | 1,126 |
| Return on assets (ROA) | 1.3847% | 1,101 |
| Pretax return on assets | 1.8590% | 648 |
| Return on Equity (ROE) | 12.0700% | 2,009 |
| Retained earnings to average equity (ytd only) | 7.7182% | 2,109 |
| Net charge-offs to loans | -0.0050% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.3974% | 4,536 |
| Assets per employee ($millions) | 21.4006% | 87 |
| Cash dividends to net income (ytd only)* | 36.0802% | 1,757 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0359% | 3,321 |
| Loan loss allowance to noncurrent loans | 996.6719% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 3,037 |
| Noncurrent loans to loans | 0.1039% | 3,135 |
| Net loans and leases to total assets | 67.9200% | 1,683 |
| Net loans and leases to deposits | 82.3810% | 1,416 |
| Net loans and leases to core deposits | 116.1183% | 329 |
| Total domestic deposits to total assets | 82.4400% | 3,764 |
| Equity capital to assets | 11.5241% | 1,000 |
| Core capital (leverage) ratio | 11.6672% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1358% | 1,394 |
| Memoranda: |
| Average total assets | $11,128,852,750 | 150 |
| Average earning assets | $10,552,203,250 | 146 |
| Average equity | $1,276,186,000 | 143 |
| Average total loans | $7,183,628,000 | 154 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4149% | 2,391 |
| Cost of funding earning assets | 0.3460% | 1,308 |
| Net interest margin | 3.0689% | 2,655 |
| Noninterest income to average assets | 0.2394% | 3,737 |
| Noninterest expense to average assets | 1.1691% | 4,658 |
| Loan and lease loss provision to assets | -0.0464% | 4,508 |
| Net operating income to assets | 1.5452% | 627 |
| Return on assets (ROA) | 1.5428% | 614 |
| Pretax return on assets | 2.0303% | 358 |
| Return on Equity (ROE) | 13.4416% | 1,257 |
| Retained earnings to average equity (ytd only) | 9.2343% | 1,216 |
| Net charge-offs to loans | -0.0060% | 3,404 |
| Credit loss provision to net charge-offs | 1,169.7674% | 366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0422% | 4,668 |
| Assets per employee ($millions) | 21.5104% | 88 |
| Cash dividends to net income (ytd only)* | 31.3006% | 2,042 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0137% | 3,542 |
| Loan loss allowance to noncurrent loans | 385.6135% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 2,419 |
| Noncurrent loans to loans | 0.2629% | 2,424 |
| Net loans and leases to total assets | 65.1936% | 1,791 |
| Net loans and leases to deposits | 77.0372% | 1,604 |
| Net loans and leases to core deposits | 102.2007% | 580 |
| Total domestic deposits to total assets | 84.6260% | 3,561 |
| Equity capital to assets | 11.6693% | 971 |
| Core capital (leverage) ratio | 10.9097% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7281% | 1,501 |
| Memoranda: |
| Average total assets | $11,285,978,000 | 147 |
| Average earning assets | $10,726,272,667 | 144 |
| Average equity | $1,295,364,333 | 144 |
| Average total loans | $7,140,209,000 | 152 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2165% | 2,634 |
| Cost of funding earning assets | 0.2503% | 2,160 |
| Net interest margin | 2.9662% | 2,613 |
| Noninterest income to average assets | 0.2839% | 3,430 |
| Noninterest expense to average assets | 1.0762% | 4,700 |
| Loan and lease loss provision to assets | -0.0971% | 4,595 |
| Net operating income to assets | 1.6305% | 474 |
| Return on assets (ROA) | 1.6298% | 473 |
| Pretax return on assets | 2.1301% | 285 |
| Return on Equity (ROE) | 14.3817% | 761 |
| Retained earnings to average equity (ytd only) | 10.4877% | 909 |
| Net charge-offs to loans | 0.0258% | 1,060 |
| Credit loss provision to net charge-offs | -652.6087% | 3,192 |
| Earnings coverage of net charge-offs (x) | 126.8935% | 594 |
| Efficiency ratio | 34.6027% | 4,712 |
| Assets per employee ($millions) | 22.3657% | 81 |
| Cash dividends to net income (ytd only)* | 27.0764% | 1,826 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0016% | 3,724 |
| Loan loss allowance to noncurrent loans | 301.0483% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,282 |
| Noncurrent loans to loans | 0.3327% | 2,293 |
| Net loans and leases to total assets | 63.3287% | 1,706 |
| Net loans and leases to deposits | 73.4383% | 1,661 |
| Net loans and leases to core deposits | 95.5008% | 675 |
| Total domestic deposits to total assets | 86.2339% | 3,181 |
| Equity capital to assets | 11.2820% | 1,202 |
| Core capital (leverage) ratio | 9.8067% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4102% | 1,669 |
| Memoranda: |
| Average total assets | $11,479,810,000 | 148 |
| Average earning assets | $10,937,628,000 | 145 |
| Average equity | $1,300,958,500 | 146 |
| Average total loans | $7,126,063,500 | 151 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3775% | 2,986 |
| Cost of funding earning assets | 0.2798% | 2,605 |
| Net interest margin | 3.0976% | 2,910 |
| Noninterest income to average assets | 0.3312% | 3,432 |
| Noninterest expense to average assets | 1.2818% | 4,688 |
| Loan and lease loss provision to assets | -0.1945% | 4,687 |
| Net operating income to assets | 1.6396% | 725 |
| Return on assets (ROA) | 1.6597% | 725 |
| Pretax return on assets | 2.2259% | 393 |
| Return on Equity (ROE) | 13.7661% | 1,253 |
| Retained earnings to average equity (ytd only) | 1.2829% | 4,178 |
| Net charge-offs to loans | 0.1810% | 534 |
| Credit loss provision to net charge-offs | -159.4753% | 3,464 |
| Earnings coverage of net charge-offs (x) | 16.9647% | 1,959 |
| Efficiency ratio | 38.9861% | 4,701 |
| Assets per employee ($millions) | 23.1810% | 76 |
| Cash dividends to net income (ytd only)* | 90.6806% | 327 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0539% | 3,551 |
| Loan loss allowance to noncurrent loans | 256.6591% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 2,244 |
| Noncurrent loans to loans | 0.4106% | 2,129 |
| Net loans and leases to total assets | 59.6473% | 2,192 |
| Net loans and leases to deposits | 70.2088% | 2,114 |
| Net loans and leases to core deposits | 93.9149% | 787 |
| Total domestic deposits to total assets | 84.9570% | 3,282 |
| Equity capital to assets | 11.3804% | 1,567 |
| Core capital (leverage) ratio | 10.1618% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8173% | 1,575 |
| Memoranda: |
| Average total assets | $11,281,503,800 | 151 |
| Average earning assets | $10,767,981,800 | 144 |
| Average equity | $1,360,109,600 | 142 |
| Average total loans | $7,369,980,200 | 150 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4800% | 2,899 |
| Cost of funding earning assets | 0.2895% | 2,693 |
| Net interest margin | 3.1905% | 2,758 |
| Noninterest income to average assets | 0.3287% | 3,458 |
| Noninterest expense to average assets | 1.2738% | 4,766 |
| Loan and lease loss provision to assets | -0.1781% | 4,723 |
| Net operating income to assets | 1.7019% | 824 |
| Return on assets (ROA) | 1.7204% | 828 |
| Pretax return on assets | 2.3009% | 465 |
| Return on Equity (ROE) | 14.0617% | 1,370 |
| Retained earnings to average equity (ytd only) | -1.2785% | 4,676 |
| Net charge-offs to loans | 0.2184% | 378 |
| Credit loss provision to net charge-offs | -119.0801% | 3,261 |
| Earnings coverage of net charge-offs (x) | 14.4228% | 1,890 |
| Efficiency ratio | 37.7620% | 4,775 |
| Assets per employee ($millions) | 22.6924% | 78 |
| Cash dividends to net income (ytd only)* | 109.0924% | 137 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2008% | 2,983 |
| Loan loss allowance to noncurrent loans | 265.3162% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 2,196 |
| Noncurrent loans to loans | 0.4526% | 2,205 |
| Net loans and leases to total assets | 59.0573% | 2,365 |
| Net loans and leases to deposits | 70.1364% | 2,228 |
| Net loans and leases to core deposits | 95.9381% | 747 |
| Total domestic deposits to total assets | 84.2035% | 3,403 |
| Equity capital to assets | 11.4464% | 1,715 |
| Core capital (leverage) ratio | 10.5251% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2001% | 1,572 |
| Memoranda: |
| Average total assets | $11,152,102,000 | 149 |
| Average earning assets | $10,641,552,750 | 143 |
| Average equity | $1,364,440,750 | 143 |
| Average total loans | $7,434,271,250 | 151 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5915% | 2,651 |
| Cost of funding earning assets | 0.3034% | 2,746 |
| Net interest margin | 3.2881% | 2,482 |
| Noninterest income to average assets | 0.3714% | 3,257 |
| Noninterest expense to average assets | 1.2575% | 4,802 |
| Loan and lease loss provision to assets | -0.1126% | 4,649 |
| Net operating income to assets | 1.7674% | 767 |
| Return on assets (ROA) | 1.7743% | 797 |
| Pretax return on assets | 2.3734% | 426 |
| Return on Equity (ROE) | 14.1824% | 1,359 |
| Retained earnings to average equity (ytd only) | 11.3991% | 1,032 |
| Net charge-offs to loans | 0.2850% | 308 |
| Credit loss provision to net charge-offs | -56.9005% | 2,994 |
| Earnings coverage of net charge-offs (x) | 11.4389% | 1,759 |
| Efficiency ratio | 35.8309% | 4,845 |
| Assets per employee ($millions) | 22.0451% | 81 |
| Cash dividends to net income (ytd only)* | 19.6254% | 2,529 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2653% | 2,604 |
| Loan loss allowance to noncurrent loans | 187.0693% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 1,674 |
| Noncurrent loans to loans | 0.6764% | 1,734 |
| Net loans and leases to total assets | 66.0573% | 1,691 |
| Net loans and leases to deposits | 79.2417% | 1,490 |
| Net loans and leases to core deposits | 111.5229% | 325 |
| Total domestic deposits to total assets | 83.3618% | 3,620 |
| Equity capital to assets | 12.9734% | 955 |
| Core capital (leverage) ratio | 11.6621% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0709% | 1,323 |
| Memoranda: |
| Average total assets | $11,019,325,333 | 148 |
| Average earning assets | $10,516,611,667 | 143 |
| Average equity | $1,378,552,667 | 140 |
| Average total loans | $7,610,936,333 | 147 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5608% | 2,759 |
| Cost of funding earning assets | 0.3257% | 2,747 |
| Net interest margin | 3.2352% | 2,587 |
| Noninterest income to average assets | 0.3492% | 3,350 |
| Noninterest expense to average assets | 1.3062% | 4,816 |
| Loan and lease loss provision to assets | -0.0850% | 4,701 |
| Net operating income to assets | 1.6659% | 997 |
| Return on assets (ROA) | 1.6722% | 1,034 |
| Pretax return on assets | 2.2271% | 657 |
| Return on Equity (ROE) | 13.6160% | 1,511 |
| Retained earnings to average equity (ytd only) | 11.2606% | 1,332 |
| Net charge-offs to loans | 0.2706% | 314 |
| Credit loss provision to net charge-offs | -43.0831% | 2,750 |
| Earnings coverage of net charge-offs (x) | 11.2458% | 1,465 |
| Efficiency ratio | 37.9679% | 4,807 |
| Assets per employee ($millions) | 21.8545% | 80 |
| Cash dividends to net income (ytd only)* | 17.2992% | 2,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3310% | 2,292 |
| Loan loss allowance to noncurrent loans | 195.2521% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 1,838 |
| Noncurrent loans to loans | 0.6817% | 1,881 |
| Net loans and leases to total assets | 68.1568% | 1,511 |
| Net loans and leases to deposits | 81.4292% | 1,382 |
| Net loans and leases to core deposits | 118.0902% | 263 |
| Total domestic deposits to total assets | 83.7006% | 3,519 |
| Equity capital to assets | 12.3388% | 1,134 |
| Core capital (leverage) ratio | 11.2657% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8807% | 1,335 |
| Memoranda: |
| Average total assets | $11,061,803,500 | 149 |
| Average earning assets | $10,569,277,000 | 142 |
| Average equity | $1,358,547,500 | 142 |
| Average total loans | $7,758,651,000 | 145 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1080% | 2,397 |
| Cost of funding earning assets | 0.5978% | 2,330 |
| Net interest margin | 3.5102% | 2,443 |
| Noninterest income to average assets | 0.4484% | 2,870 |
| Noninterest expense to average assets | 1.4219% | 4,827 |
| Loan and lease loss provision to assets | 0.4573% | 603 |
| Net operating income to assets | 1.4659% | 885 |
| Return on assets (ROA) | 1.4803% | 928 |
| Pretax return on assets | 1.9272% | 527 |
| Return on Equity (ROE) | 10.9563% | 1,643 |
| Retained earnings to average equity (ytd only) | 0.4597% | 4,377 |
| Net charge-offs to loans | 0.2550% | 681 |
| Credit loss provision to net charge-offs | 225.9292% | 2,041 |
| Earnings coverage of net charge-offs (x) | 11.7334% | 2,387 |
| Efficiency ratio | 37.5240% | 4,922 |
| Assets per employee ($millions) | 21.2361% | 83 |
| Cash dividends to net income (ytd only)* | 95.8045% | 317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3962% | 1,987 |
| Loan loss allowance to noncurrent loans | 179.8057% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 1,765 |
| Noncurrent loans to loans | 0.7765% | 1,776 |
| Net loans and leases to total assets | 70.2156% | 1,532 |
| Net loans and leases to deposits | 83.9489% | 1,463 |
| Net loans and leases to core deposits | 133.5396% | 173 |
| Total domestic deposits to total assets | 83.6409% | 3,222 |
| Equity capital to assets | 12.2237% | 1,466 |
| Core capital (leverage) ratio | 11.2948% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0292% | 1,516 |
| Memoranda: |
| Average total assets | $9,965,355,800 | 150 |
| Average earning assets | $9,481,573,200 | 143 |
| Average equity | $1,346,400,000 | 144 |
| Average total loans | $7,880,262,800 | 138 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2682% | 2,188 |
| Cost of funding earning assets | 0.6712% | 2,196 |
| Net interest margin | 3.5970% | 2,281 |
| Noninterest income to average assets | 0.4776% | 2,706 |
| Noninterest expense to average assets | 1.4604% | 4,835 |
| Loan and lease loss provision to assets | 0.5587% | 481 |
| Net operating income to assets | 1.4030% | 1,095 |
| Return on assets (ROA) | 1.4210% | 1,143 |
| Pretax return on assets | 1.8970% | 636 |
| Return on Equity (ROE) | 10.2401% | 1,938 |
| Retained earnings to average equity (ytd only) | 5.2880% | 2,434 |
| Net charge-offs to loans | 0.2460% | 621 |
| Credit loss provision to net charge-offs | 278.2412% | 1,832 |
| Earnings coverage of net charge-offs (x) | 12.1631% | 2,260 |
| Efficiency ratio | 37.4976% | 4,938 |
| Assets per employee ($millions) | 19.5902% | 93 |
| Cash dividends to net income (ytd only)* | 48.3601% | 1,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3847% | 1,799 |
| Loan loss allowance to noncurrent loans | 189.8262% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 1,861 |
| Noncurrent loans to loans | 0.7295% | 1,979 |
| Net loans and leases to total assets | 77.7994% | 856 |
| Net loans and leases to deposits | 95.5506% | 791 |
| Net loans and leases to core deposits | 138.6449% | 174 |
| Total domestic deposits to total assets | 81.4222% | 3,558 |
| Equity capital to assets | 13.7955% | 908 |
| Core capital (leverage) ratio | 12.4687% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2995% | 1,419 |
| Memoranda: |
| Average total assets | $9,701,312,250 | 150 |
| Average earning assets | $9,213,031,750 | 144 |
| Average equity | $1,346,191,250 | 143 |
| Average total loans | $7,888,224,250 | 138 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4235% | 2,147 |
| Cost of funding earning assets | 0.7593% | 2,057 |
| Net interest margin | 3.6642% | 2,283 |
| Noninterest income to average assets | 0.3514% | 3,374 |
| Noninterest expense to average assets | 1.4947% | 4,852 |
| Loan and lease loss provision to assets | 0.7114% | 384 |
| Net operating income to assets | 1.2220% | 1,578 |
| Return on assets (ROA) | 1.2473% | 1,617 |
| Pretax return on assets | 1.6597% | 1,075 |
| Return on Equity (ROE) | 8.9702% | 2,376 |
| Retained earnings to average equity (ytd only) | 1.4570% | 3,952 |
| Net charge-offs to loans | 0.2387% | 658 |
| Credit loss provision to net charge-offs | 361.3106% | 1,487 |
| Earnings coverage of net charge-offs (x) | 11.9283% | 2,083 |
| Efficiency ratio | 38.9763% | 4,940 |
| Assets per employee ($millions) | 19.3315% | 86 |
| Cash dividends to net income (ytd only)* | 83.7577% | 692 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3448% | 1,802 |
| Loan loss allowance to noncurrent loans | 184.5188% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 1,786 |
| Noncurrent loans to loans | 0.7288% | 2,057 |
| Net loans and leases to total assets | 81.5949% | 445 |
| Net loans and leases to deposits | 99.9569% | 556 |
| Net loans and leases to core deposits | 135.0099% | 208 |
| Total domestic deposits to total assets | 81.6302% | 3,465 |
| Equity capital to assets | 13.7712% | 904 |
| Core capital (leverage) ratio | 12.2117% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $9,572,106,000 | 150 |
| Average earning assets | $9,097,004,000 | 146 |
| Average equity | $1,330,983,667 | 143 |
| Average total loans | $7,864,519,333 | 137 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5992% | 2,000 |
| Cost of funding earning assets | 0.9392% | 1,690 |
| Net interest margin | 3.6599% | 2,474 |
| Noninterest income to average assets | 0.2049% | 4,323 |
| Noninterest expense to average assets | 1.5454% | 4,888 |
| Loan and lease loss provision to assets | 0.6046% | 456 |
| Net operating income to assets | 1.1453% | 1,701 |
| Return on assets (ROA) | 1.1728% | 1,727 |
| Pretax return on assets | 1.5747% | 1,124 |
| Return on Equity (ROE) | 8.3925% | 2,347 |
| Retained earnings to average equity (ytd only) | -6.7253% | 4,633 |
| Net charge-offs to loans | 0.1159% | 1,010 |
| Credit loss provision to net charge-offs | 637.1327% | 763 |
| Earnings coverage of net charge-offs (x) | 22.5993% | 1,350 |
| Efficiency ratio | 41.8687% | 4,949 |
| Assets per employee ($millions) | 20.2114% | 62 |
| Cash dividends to net income (ytd only)* | 180.1347% | 361 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2193% | 2,565 |
| Loan loss allowance to noncurrent loans | 201.8057% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5606% | 2,314 |
| Noncurrent loans to loans | 0.6042% | 2,480 |
| Net loans and leases to total assets | 78.1676% | 951 |
| Net loans and leases to deposits | 95.0746% | 992 |
| Net loans and leases to core deposits | 148.2594% | 122 |
| Total domestic deposits to total assets | 82.2171% | 3,355 |
| Equity capital to assets | 13.1433% | 1,367 |
| Core capital (leverage) ratio | 12.9614% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $9,467,293,000 | 149 |
| Average earning assets | $9,015,053,000 | 143 |
| Average equity | $1,322,943,500 | 140 |
| Average total loans | $7,751,682,000 | 138 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1982% | 997 |
| Cost of funding earning assets | 1.1429% | 1,180 |
| Net interest margin | 4.0553% | 1,668 |
| Noninterest income to average assets | 0.2878% | 3,965 |
| Noninterest expense to average assets | 1.5687% | 4,967 |
| Loan and lease loss provision to assets | 0.1509% | 1,412 |
| Net operating income to assets | 1.7763% | 552 |
| Return on assets (ROA) | 1.7901% | 565 |
| Pretax return on assets | 2.4474% | 228 |
| Return on Equity (ROE) | 11.8725% | 1,565 |
| Retained earnings to average equity (ytd only) | 5.3595% | 2,244 |
| Net charge-offs to loans | 0.1272% | 1,499 |
| Credit loss provision to net charge-offs | 139.6224% | 1,850 |
| Earnings coverage of net charge-offs (x) | 23.8791% | 1,799 |
| Efficiency ratio | 37.6052% | 5,093 |
| Assets per employee ($millions) | 18.1914% | 78 |
| Cash dividends to net income (ytd only)* | 54.8579% | 1,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9689% | 3,655 |
| Loan loss allowance to noncurrent loans | 151.1584% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 2,205 |
| Noncurrent loans to loans | 0.6410% | 2,285 |
| Net loans and leases to total assets | 84.1190% | 312 |
| Net loans and leases to deposits | 103.5936% | 395 |
| Net loans and leases to core deposits | 146.8280% | 137 |
| Total domestic deposits to total assets | 81.2010% | 3,723 |
| Equity capital to assets | 14.9003% | 820 |
| Core capital (leverage) ratio | 13.1771% | 1,160 |
| Tier 1 risk-based capital ratio | 14.6396% | 2,935 |
| Total risk-based capital ratio | 15.5204% | 3,051 |
| Memoranda: |
| Average total assets | $8,675,127,200 | 153 |
| Average earning assets | $8,260,944,000 | 150 |
| Average equity | $1,308,001,800 | 140 |
| Average total loans | $7,369,592,600 | 139 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2494% | 948 |
| Cost of funding earning assets | 1.1529% | 1,165 |
| Net interest margin | 4.0965% | 1,622 |
| Noninterest income to average assets | 0.2777% | 4,087 |
| Noninterest expense to average assets | 1.5931% | 5,008 |
| Loan and lease loss provision to assets | 0.1572% | 1,196 |
| Net operating income to assets | 1.7819% | 636 |
| Return on assets (ROA) | 1.8018% | 647 |
| Pretax return on assets | 2.4494% | 276 |
| Return on Equity (ROE) | 11.9140% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.7922% | 1,956 |
| Net charge-offs to loans | 0.1162% | 1,322 |
| Credit loss provision to net charge-offs | 159.2779% | 1,562 |
| Earnings coverage of net charge-offs (x) | 26.1578% | 1,752 |
| Efficiency ratio | 37.9270% | 5,154 |
| Assets per employee ($millions) | 18.6611% | 69 |
| Cash dividends to net income (ytd only)* | 42.9897% | 2,020 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9685% | 3,738 |
| Loan loss allowance to noncurrent loans | 127.8734% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6575% | 2,045 |
| Noncurrent loans to loans | 0.7574% | 2,071 |
| Net loans and leases to total assets | 83.8013% | 374 |
| Net loans and leases to deposits | 100.9017% | 575 |
| Net loans and leases to core deposits | 159.8132% | 90 |
| Total domestic deposits to total assets | 83.0524% | 3,152 |
| Equity capital to assets | 14.7919% | 909 |
| Core capital (leverage) ratio | 13.8670% | 1,017 |
| Tier 1 risk-based capital ratio | 14.5061% | 3,074 |
| Total risk-based capital ratio | 15.3831% | 3,169 |
| Memoranda: |
| Average total assets | $8,606,366,000 | 154 |
| Average earning assets | $8,186,772,250 | 150 |
| Average equity | $1,301,600,750 | 139 |
| Average total loans | $7,311,377,000 | 141 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2833% | 837 |
| Cost of funding earning assets | 1.1269% | 1,210 |
| Net interest margin | 4.1564% | 1,471 |
| Noninterest income to average assets | 0.2727% | 4,113 |
| Noninterest expense to average assets | 1.6639% | 5,012 |
| Loan and lease loss provision to assets | 0.1642% | 1,110 |
| Net operating income to assets | 1.7790% | 625 |
| Return on assets (ROA) | 1.8065% | 604 |
| Pretax return on assets | 2.4393% | 267 |
| Return on Equity (ROE) | 11.8527% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.8527% | 422 |
| Net charge-offs to loans | 0.1336% | 1,129 |
| Credit loss provision to net charge-offs | 144.4583% | 1,536 |
| Earnings coverage of net charge-offs (x) | 22.5971% | 1,685 |
| Efficiency ratio | 39.0753% | 5,180 |
| Assets per employee ($millions) | 17.4716% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9702% | 3,781 |
| Loan loss allowance to noncurrent loans | 192.7021% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 2,730 |
| Noncurrent loans to loans | 0.5035% | 2,771 |
| Net loans and leases to total assets | 84.9078% | 294 |
| Net loans and leases to deposits | 104.9378% | 382 |
| Net loans and leases to core deposits | 151.3172% | 127 |
| Total domestic deposits to total assets | 80.9125% | 3,842 |
| Equity capital to assets | 15.4252% | 723 |
| Core capital (leverage) ratio | 14.4618% | 837 |
| Tier 1 risk-based capital ratio | 14.7036% | 2,961 |
| Total risk-based capital ratio | 15.5679% | 3,073 |
| Memoranda: |
| Average total assets | $8,476,935,000 | 157 |
| Average earning assets | $8,076,106,330 | 151 |
| Average equity | $1,291,975,330 | 140 |
| Average total loans | $7,211,382,670 | 145 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2606% | 815 |
| Cost of funding earning assets | 1.0679% | 1,298 |
| Net interest margin | 4.1926% | 1,319 |
| Noninterest income to average assets | 0.2655% | 4,106 |
| Noninterest expense to average assets | 1.7976% | 4,926 |
| Loan and lease loss provision to assets | 0.1603% | 1,052 |
| Net operating income to assets | 1.7116% | 713 |
| Return on assets (ROA) | 1.7460% | 690 |
| Pretax return on assets | 2.3486% | 329 |
| Return on Equity (ROE) | 11.5278% | 1,723 |
| Retained earnings to average equity (ytd only) | 11.5278% | 698 |
| Net charge-offs to loans | 0.1892% | 735 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 15.3765% | 1,740 |
| Efficiency ratio | 41.9298% | 5,164 |
| Assets per employee ($millions) | 17.4671% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9723% | 3,859 |
| Loan loss allowance to noncurrent loans | 173.7240% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 2,628 |
| Noncurrent loans to loans | 0.5597% | 2,645 |
| Net loans and leases to total assets | 84.9619% | 284 |
| Net loans and leases to deposits | 105.4887% | 331 |
| Net loans and leases to core deposits | 144.5340% | 154 |
| Total domestic deposits to total assets | 80.5413% | 4,064 |
| Equity capital to assets | 15.3925% | 670 |
| Core capital (leverage) ratio | 14.1895% | 900 |
| Tier 1 risk-based capital ratio | 14.4182% | 3,136 |
| Total risk-based capital ratio | 15.2695% | 3,245 |
| Memoranda: |
| Average total assets | $8,382,445,000 | 159 |
| Average earning assets | $7,992,198,000 | 154 |
| Average equity | $1,269,596,500 | 140 |
| Average total loans | $7,102,013,500 | 145 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1959% | 706 |
| Cost of funding earning assets | 0.8656% | 1,239 |
| Net interest margin | 4.3303% | 1,089 |
| Noninterest income to average assets | 0.2937% | 4,142 |
| Noninterest expense to average assets | 1.5809% | 5,176 |
| Loan and lease loss provision to assets | 0.1164% | 1,891 |
| Net operating income to assets | 2.0363% | 335 |
| Return on assets (ROA) | 2.0373% | 331 |
| Pretax return on assets | 2.7222% | 141 |
| Return on Equity (ROE) | 13.8707% | 1,075 |
| Retained earnings to average equity (ytd only) | 13.8707% | 170 |
| Net charge-offs to loans | 0.0517% | 2,417 |
| Credit loss provision to net charge-offs | 264.3741% | 1,132 |
| Earnings coverage of net charge-offs (x) | 64.4233% | 977 |
| Efficiency ratio | 35.5061% | 5,328 |
| Assets per employee ($millions) | 17.8312% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9977% | 3,715 |
| Loan loss allowance to noncurrent loans | 429.7106% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 3,772 |
| Noncurrent loans to loans | 0.2322% | 3,752 |
| Net loans and leases to total assets | 82.8185% | 540 |
| Net loans and leases to deposits | 98.4654% | 855 |
| Net loans and leases to core deposits | 132.0177% | 286 |
| Total domestic deposits to total assets | 84.1093% | 2,967 |
| Equity capital to assets | 14.8992% | 732 |
| Core capital (leverage) ratio | 13.7756% | 991 |
| Tier 1 risk-based capital ratio | 14.2350% | 3,189 |
| Total risk-based capital ratio | 15.1035% | 3,288 |
| Memoranda: |
| Average total assets | $7,890,014,000 | 163 |
| Average earning assets | $7,515,091,400 | 159 |
| Average equity | $1,158,856,800 | 147 |
| Average total loans | $6,719,796,600 | 148 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1385% | 704 |
| Cost of funding earning assets | 0.7924% | 1,378 |
| Net interest margin | 4.3461% | 1,020 |
| Noninterest income to average assets | 0.2904% | 4,217 |
| Noninterest expense to average assets | 1.6087% | 5,200 |
| Loan and lease loss provision to assets | 0.1131% | 1,798 |
| Net operating income to assets | 2.0168% | 360 |
| Return on assets (ROA) | 2.0177% | 359 |
| Pretax return on assets | 2.7060% | 165 |
| Return on Equity (ROE) | 13.7911% | 1,175 |
| Retained earnings to average equity (ytd only) | 13.7911% | 271 |
| Net charge-offs to loans | 0.0527% | 2,070 |
| Credit loss provision to net charge-offs | 250.5515% | 1,175 |
| Earnings coverage of net charge-offs (x) | 62.4431% | 1,035 |
| Efficiency ratio | 36.0545% | 5,391 |
| Assets per employee ($millions) | 16.8417% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9935% | 3,810 |
| Loan loss allowance to noncurrent loans | 452.2717% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 3,921 |
| Noncurrent loans to loans | 0.2197% | 3,920 |
| Net loans and leases to total assets | 84.4091% | 409 |
| Net loans and leases to deposits | 105.4039% | 467 |
| Net loans and leases to core deposits | 152.5256% | 116 |
| Total domestic deposits to total assets | 80.0816% | 4,102 |
| Equity capital to assets | 14.8990% | 748 |
| Core capital (leverage) ratio | 13.8715% | 973 |
| Tier 1 risk-based capital ratio | 13.8570% | 3,441 |
| Total risk-based capital ratio | 14.7169% | 3,558 |
| Memoranda: |
| Average total assets | $7,767,346,250 | 163 |
| Average earning assets | $7,392,341,750 | 159 |
| Average equity | $1,136,407,500 | 148 |
| Average total loans | $6,647,070,500 | 149 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0557% | 722 |
| Cost of funding earning assets | 0.7025% | 1,610 |
| Net interest margin | 4.3531% | 936 |
| Noninterest income to average assets | 0.2921% | 4,227 |
| Noninterest expense to average assets | 1.6288% | 5,248 |
| Loan and lease loss provision to assets | 0.1000% | 1,949 |
| Net operating income to assets | 2.0251% | 365 |
| Return on assets (ROA) | 2.0265% | 359 |
| Pretax return on assets | 2.7046% | 155 |
| Return on Equity (ROE) | 13.9402% | 1,086 |
| Retained earnings to average equity (ytd only) | 13.9402% | 285 |
| Net charge-offs to loans | 0.0538% | 1,839 |
| Credit loss provision to net charge-offs | 216.9118% | 1,231 |
| Earnings coverage of net charge-offs (x) | 60.8201% | 987 |
| Efficiency ratio | 36.4639% | 5,445 |
| Assets per employee ($millions) | 16.4313% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9929% | 3,893 |
| Loan loss allowance to noncurrent loans | 609.5807% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 4,215 |
| Noncurrent loans to loans | 0.1629% | 4,175 |
| Net loans and leases to total assets | 83.9926% | 460 |
| Net loans and leases to deposits | 104.1988% | 518 |
| Net loans and leases to core deposits | 147.2915% | 137 |
| Total domestic deposits to total assets | 80.6080% | 4,100 |
| Equity capital to assets | 14.7418% | 745 |
| Core capital (leverage) ratio | 13.7620% | 973 |
| Tier 1 risk-based capital ratio | 13.6741% | 3,520 |
| Total risk-based capital ratio | 14.5315% | 3,667 |
| Memoranda: |
| Average total assets | $7,673,017,330 | 164 |
| Average earning assets | $7,296,585,330 | 158 |
| Average equity | $1,115,404,000 | 149 |
| Average total loans | $6,574,960,670 | 146 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9396% | 800 |
| Cost of funding earning assets | 0.5744% | 2,219 |
| Net interest margin | 4.3652% | 825 |
| Noninterest income to average assets | 0.2897% | 4,232 |
| Noninterest expense to average assets | 1.6317% | 5,306 |
| Loan and lease loss provision to assets | 0.1040% | 1,785 |
| Net operating income to assets | 2.0221% | 354 |
| Return on assets (ROA) | 2.0239% | 354 |
| Pretax return on assets | 2.7075% | 153 |
| Return on Equity (ROE) | 14.0252% | 1,011 |
| Retained earnings to average equity (ytd only) | 14.0252% | 406 |
| Net charge-offs to loans | 0.0564% | 1,544 |
| Credit loss provision to net charge-offs | 214.0217% | 1,005 |
| Earnings coverage of net charge-offs (x) | 57.8217% | 864 |
| Efficiency ratio | 36.4485% | 5,509 |
| Assets per employee ($millions) | 16.2115% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9860% | 4,042 |
| Loan loss allowance to noncurrent loans | 550.7466% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 4,221 |
| Noncurrent loans to loans | 0.1790% | 4,164 |
| Net loans and leases to total assets | 85.3103% | 312 |
| Net loans and leases to deposits | 105.7181% | 393 |
| Net loans and leases to core deposits | 148.7544% | 135 |
| Total domestic deposits to total assets | 80.6960% | 4,276 |
| Equity capital to assets | 14.4631% | 782 |
| Core capital (leverage) ratio | 13.4579% | 1,021 |
| Tier 1 risk-based capital ratio | 13.2496% | 3,814 |
| Total risk-based capital ratio | 14.1083% | 3,925 |
| Memoranda: |
| Average total assets | $7,574,238,000 | 166 |
| Average earning assets | $7,203,132,000 | 160 |
| Average equity | $1,092,972,000 | 149 |
| Average total loans | $6,523,942,500 | 145 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7268% | 1,132 |
| Cost of funding earning assets | 0.4159% | 3,088 |
| Net interest margin | 4.3109% | 944 |
| Noninterest income to average assets | 0.4056% | 3,604 |
| Noninterest expense to average assets | 1.6260% | 5,392 |
| Loan and lease loss provision to assets | 0.1217% | 1,876 |
| Net operating income to assets | 1.5061% | 788 |
| Return on assets (ROA) | 1.5109% | 795 |
| Pretax return on assets | 2.7605% | 123 |
| Return on Equity (ROE) | 10.6633% | 1,607 |
| Retained earnings to average equity (ytd only) | 10.6633% | 279 |
| Net charge-offs to loans | 0.0546% | 2,710 |
| Credit loss provision to net charge-offs | 266.8391% | 1,048 |
| Earnings coverage of net charge-offs (x) | 63.0082% | 923 |
| Efficiency ratio | 35.7995% | 5,585 |
| Assets per employee ($millions) | 16.0177% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9994% | 3,959 |
| Loan loss allowance to noncurrent loans | 548.7953% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 4,250 |
| Noncurrent loans to loans | 0.1821% | 4,191 |
| Net loans and leases to total assets | 85.2455% | 321 |
| Net loans and leases to deposits | 107.1760% | 347 |
| Net loans and leases to core deposits | 150.8421% | 129 |
| Total domestic deposits to total assets | 79.5379% | 4,438 |
| Equity capital to assets | 14.3962% | 808 |
| Core capital (leverage) ratio | 13.1452% | 1,097 |
| Tier 1 risk-based capital ratio | 12.9085% | 3,964 |
| Total risk-based capital ratio | 13.7649% | 4,095 |
| Memoranda: |
| Average total assets | $7,204,503,200 | 165 |
| Average earning assets | $6,843,915,800 | 159 |
| Average equity | $1,020,821,400 | 146 |
| Average total loans | $6,022,400,200 | 146 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6640% | 1,218 |
| Cost of funding earning assets | 0.3977% | 3,222 |
| Net interest margin | 4.2663% | 1,005 |
| Noninterest income to average assets | 0.3644% | 3,916 |
| Noninterest expense to average assets | 1.6346% | 5,419 |
| Loan and lease loss provision to assets | 0.0884% | 2,311 |
| Net operating income to assets | 1.6949% | 584 |
| Return on assets (ROA) | 1.7014% | 588 |
| Pretax return on assets | 2.7018% | 153 |
| Return on Equity (ROE) | 12.0582% | 1,327 |
| Retained earnings to average equity (ytd only) | 12.0582% | 294 |
| Net charge-offs to loans | 0.0223% | 3,022 |
| Credit loss provision to net charge-offs | 478.1818% | 670 |
| Earnings coverage of net charge-offs (x) | 150.3694% | 532 |
| Efficiency ratio | 36.6818% | 5,631 |
| Assets per employee ($millions) | 15.6615% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0243% | 3,934 |
| Loan loss allowance to noncurrent loans | 414.5274% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 4,170 |
| Noncurrent loans to loans | 0.2471% | 4,067 |
| Net loans and leases to total assets | 81.8568% | 715 |
| Net loans and leases to deposits | 100.7468% | 699 |
| Net loans and leases to core deposits | 139.3584% | 207 |
| Total domestic deposits to total assets | 81.2500% | 3,982 |
| Equity capital to assets | 14.3189% | 907 |
| Core capital (leverage) ratio | 13.5428% | 1,012 |
| Tier 1 risk-based capital ratio | 13.1201% | 3,926 |
| Total risk-based capital ratio | 13.9849% | 4,078 |
| Memoranda: |
| Average total assets | $7,139,569,750 | 166 |
| Average earning assets | $6,778,136,500 | 161 |
| Average equity | $1,007,385,500 | 148 |
| Average total loans | $5,921,210,250 | 147 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6184% | 1,222 |
| Cost of funding earning assets | 0.3790% | 3,298 |
| Net interest margin | 4.2394% | 995 |
| Noninterest income to average assets | 0.3539% | 4,027 |
| Noninterest expense to average assets | 1.6487% | 5,456 |
| Loan and lease loss provision to assets | 0.0797% | 2,392 |
| Net operating income to assets | 1.6655% | 608 |
| Return on assets (ROA) | 1.6751% | 610 |
| Pretax return on assets | 2.6675% | 162 |
| Return on Equity (ROE) | 11.9332% | 1,322 |
| Retained earnings to average equity (ytd only) | 11.9332% | 328 |
| Net charge-offs to loans | 0.0337% | 2,512 |
| Credit loss provision to net charge-offs | 284.4287% | 995 |
| Earnings coverage of net charge-offs (x) | 97.5248% | 664 |
| Efficiency ratio | 37.2651% | 5,675 |
| Assets per employee ($millions) | 14.9663% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0063% | 4,101 |
| Loan loss allowance to noncurrent loans | 387.9211% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 4,209 |
| Noncurrent loans to loans | 0.2594% | 4,109 |
| Net loans and leases to total assets | 82.4250% | 614 |
| Net loans and leases to deposits | 100.0842% | 728 |
| Net loans and leases to core deposits | 138.9503% | 192 |
| Total domestic deposits to total assets | 82.3557% | 3,783 |
| Equity capital to assets | 14.1529% | 920 |
| Core capital (leverage) ratio | 13.3923% | 1,023 |
| Tier 1 risk-based capital ratio | 12.9071% | 4,057 |
| Total risk-based capital ratio | 13.7616% | 4,194 |
| Memoranda: |
| Average total assets | $7,060,564,000 | 169 |
| Average earning assets | $6,706,655,330 | 162 |
| Average equity | $991,097,670 | 148 |
| Average total loans | $5,861,371,330 | 145 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5668% | 1,219 |
| Cost of funding earning assets | 0.3610% | 3,404 |
| Net interest margin | 4.2058% | 977 |
| Noninterest income to average assets | 0.3074% | 4,359 |
| Noninterest expense to average assets | 1.6421% | 5,525 |
| Loan and lease loss provision to assets | 0.0715% | 2,375 |
| Net operating income to assets | 1.6533% | 605 |
| Return on assets (ROA) | 1.6718% | 597 |
| Pretax return on assets | 2.6179% | 184 |
| Return on Equity (ROE) | 11.9613% | 1,250 |
| Retained earnings to average equity (ytd only) | 11.9613% | 475 |
| Net charge-offs to loans | 0.0430% | 1,976 |
| Credit loss provision to net charge-offs | 200.4823% | 1,013 |
| Earnings coverage of net charge-offs (x) | 74.6013% | 691 |
| Efficiency ratio | 37.7655% | 5,728 |
| Assets per employee ($millions) | 15.0223% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0157% | 4,188 |
| Loan loss allowance to noncurrent loans | 463.0762% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 4,436 |
| Noncurrent loans to loans | 0.2193% | 4,319 |
| Net loans and leases to total assets | 81.7712% | 594 |
| Net loans and leases to deposits | 98.4804% | 728 |
| Net loans and leases to core deposits | 134.3039% | 216 |
| Total domestic deposits to total assets | 83.0330% | 3,819 |
| Equity capital to assets | 14.0150% | 897 |
| Core capital (leverage) ratio | 13.2944% | 1,035 |
| Tier 1 risk-based capital ratio | 12.6833% | 4,271 |
| Total risk-based capital ratio | 13.5356% | 4,420 |
| Memoranda: |
| Average total assets | $6,976,483,500 | 171 |
| Average earning assets | $6,627,040,000 | 162 |
| Average equity | $975,108,000 | 149 |
| Average total loans | $5,782,632,500 | 146 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6805% | 1,098 |
| Cost of funding earning assets | 0.3352% | 3,692 |
| Net interest margin | 4.3453% | 859 |
| Noninterest income to average assets | 0.3978% | 3,905 |
| Noninterest expense to average assets | 1.7718% | 5,500 |
| Loan and lease loss provision to assets | 0.1748% | 1,377 |
| Net operating income to assets | 1.5770% | 717 |
| Return on assets (ROA) | 1.5885% | 725 |
| Pretax return on assets | 2.5856% | 178 |
| Return on Equity (ROE) | 12.3183% | 1,167 |
| Retained earnings to average equity (ytd only) | 12.3183% | 202 |
| Net charge-offs to loans | 0.0917% | 2,391 |
| Credit loss provision to net charge-offs | 227.4014% | 1,262 |
| Earnings coverage of net charge-offs (x) | 35.6746% | 1,279 |
| Efficiency ratio | 38.8328% | 5,801 |
| Assets per employee ($millions) | 14.6641% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0270% | 4,150 |
| Loan loss allowance to noncurrent loans | 359.5006% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 4,171 |
| Noncurrent loans to loans | 0.2857% | 4,129 |
| Net loans and leases to total assets | 82.3185% | 564 |
| Net loans and leases to deposits | 97.4814% | 866 |
| Net loans and leases to core deposits | 126.1708% | 345 |
| Total domestic deposits to total assets | 84.4453% | 3,253 |
| Equity capital to assets | 13.9381% | 910 |
| Core capital (leverage) ratio | 12.4381% | 1,362 |
| Tier 1 risk-based capital ratio | 12.5459% | 4,357 |
| Total risk-based capital ratio | 13.4105% | 4,484 |
| Memoranda: |
| Average total assets | $6,432,441,800 | 175 |
| Average earning assets | $6,093,776,400 | 168 |
| Average equity | $829,487,200 | 162 |
| Average total loans | $5,390,601,800 | 151 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6686% | 1,140 |
| Cost of funding earning assets | 0.3246% | 3,821 |
| Net interest margin | 4.3440% | 855 |
| Noninterest income to average assets | 0.4173% | 3,799 |
| Noninterest expense to average assets | 1.7789% | 5,538 |
| Loan and lease loss provision to assets | 0.1945% | 1,109 |
| Net operating income to assets | 1.5814% | 759 |
| Return on assets (ROA) | 1.5965% | 776 |
| Pretax return on assets | 2.5804% | 195 |
| Return on Equity (ROE) | 12.6588% | 1,135 |
| Retained earnings to average equity (ytd only) | 12.6588% | 240 |
| Net charge-offs to loans | 0.1266% | 1,694 |
| Credit loss provision to net charge-offs | 182.8441% | 1,537 |
| Earnings coverage of net charge-offs (x) | 25.8697% | 1,620 |
| Efficiency ratio | 38.8467% | 5,852 |
| Assets per employee ($millions) | 14.5453% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0201% | 4,298 |
| Loan loss allowance to noncurrent loans | 273.0135% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 3,882 |
| Noncurrent loans to loans | 0.3736% | 3,929 |
| Net loans and leases to total assets | 81.4079% | 702 |
| Net loans and leases to deposits | 97.2849% | 922 |
| Net loans and leases to core deposits | 126.7744% | 354 |
| Total domestic deposits to total assets | 83.6799% | 3,325 |
| Equity capital to assets | 13.8061% | 1,117 |
| Core capital (leverage) ratio | 12.9543% | 1,205 |
| Tier 1 risk-based capital ratio | 12.6316% | 4,382 |
| Total risk-based capital ratio | 13.4991% | 4,541 |
| Memoranda: |
| Average total assets | $6,321,183,000 | 179 |
| Average earning assets | $5,984,793,250 | 171 |
| Average equity | $797,211,750 | 167 |
| Average total loans | $5,308,207,250 | 152 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6932% | 1,062 |
| Cost of funding earning assets | 0.3141% | 3,974 |
| Net interest margin | 4.3790% | 793 |
| Noninterest income to average assets | 0.4372% | 3,619 |
| Noninterest expense to average assets | 1.8015% | 5,595 |
| Loan and lease loss provision to assets | 0.2244% | 921 |
| Net operating income to assets | 1.5878% | 744 |
| Return on assets (ROA) | 1.6110% | 748 |
| Pretax return on assets | 2.5920% | 195 |
| Return on Equity (ROE) | 13.2302% | 973 |
| Retained earnings to average equity (ytd only) | 13.2302% | 225 |
| Net charge-offs to loans | 0.1179% | 1,656 |
| Credit loss provision to net charge-offs | 224.8864% | 1,201 |
| Earnings coverage of net charge-offs (x) | 27.8673% | 1,448 |
| Efficiency ratio | 38.8916% | 5,926 |
| Assets per employee ($millions) | 13.5170% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0323% | 4,336 |
| Loan loss allowance to noncurrent loans | 263.3068% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 3,946 |
| Noncurrent loans to loans | 0.3921% | 3,958 |
| Net loans and leases to total assets | 84.9503% | 336 |
| Net loans and leases to deposits | 99.8626% | 705 |
| Net loans and leases to core deposits | 132.0033% | 276 |
| Total domestic deposits to total assets | 85.0672% | 2,843 |
| Equity capital to assets | 12.2560% | 1,935 |
| Core capital (leverage) ratio | 11.0795% | 2,351 |
| Tier 1 risk-based capital ratio | 10.6058% | 5,625 |
| Total risk-based capital ratio | 11.4944% | 5,700 |
| Memoranda: |
| Average total assets | $6,178,570,670 | 180 |
| Average earning assets | $5,847,674,330 | 173 |
| Average equity | $752,357,000 | 172 |
| Average total loans | $5,227,323,330 | 152 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6948% | 1,058 |
| Cost of funding earning assets | 0.2933% | 4,242 |
| Net interest margin | 4.4015% | 739 |
| Noninterest income to average assets | 0.3910% | 3,897 |
| Noninterest expense to average assets | 1.8351% | 5,608 |
| Loan and lease loss provision to assets | 0.1998% | 981 |
| Net operating income to assets | 1.5640% | 758 |
| Return on assets (ROA) | 1.5901% | 754 |
| Pretax return on assets | 2.5616% | 217 |
| Return on Equity (ROE) | 13.1030% | 1,017 |
| Retained earnings to average equity (ytd only) | 13.1030% | 381 |
| Net charge-offs to loans | 0.0878% | 1,621 |
| Credit loss provision to net charge-offs | 271.2121% | 904 |
| Earnings coverage of net charge-offs (x) | 36.9260% | 1,065 |
| Efficiency ratio | 39.8432% | 5,967 |
| Assets per employee ($millions) | 14.2302% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0471% | 4,350 |
| Loan loss allowance to noncurrent loans | 247.9341% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 3,908 |
| Noncurrent loans to loans | 0.4223% | 3,929 |
| Net loans and leases to total assets | 83.9643% | 375 |
| Net loans and leases to deposits | 97.7111% | 783 |
| Net loans and leases to core deposits | 131.1676% | 254 |
| Total domestic deposits to total assets | 85.9312% | 2,698 |
| Equity capital to assets | 12.2810% | 1,843 |
| Core capital (leverage) ratio | 10.8456% | 2,575 |
| Tier 1 risk-based capital ratio | 10.6814% | 5,671 |
| Total risk-based capital ratio | 11.5821% | 5,742 |
| Memoranda: |
| Average total assets | $6,091,357,000 | 181 |
| Average earning assets | $5,763,675,500 | 174 |
| Average equity | $739,222,500 | 174 |
| Average total loans | $5,114,391,000 | 154 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7186% | 1,070 |
| Cost of funding earning assets | 0.2823% | 4,461 |
| Net interest margin | 4.4362% | 739 |
| Noninterest income to average assets | 0.4349% | 3,788 |
| Noninterest expense to average assets | 1.9319% | 5,577 |
| Loan and lease loss provision to assets | 0.2569% | 736 |
| Net operating income to assets | 1.5061% | 856 |
| Return on assets (ROA) | 1.5309% | 840 |
| Pretax return on assets | 2.4625% | 220 |
| Return on Equity (ROE) | 12.7305% | 1,117 |
| Retained earnings to average equity (ytd only) | 12.7305% | 221 |
| Net charge-offs to loans | 0.1718% | 1,657 |
| Credit loss provision to net charge-offs | 181.5724% | 1,504 |
| Earnings coverage of net charge-offs (x) | 18.9459% | 1,979 |
| Efficiency ratio | 41.4192% | 6,039 |
| Assets per employee ($millions) | 13.9717% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0413% | 4,379 |
| Loan loss allowance to noncurrent loans | 396.1178% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 4,335 |
| Noncurrent loans to loans | 0.2629% | 4,506 |
| Net loans and leases to total assets | 82.1971% | 579 |
| Net loans and leases to deposits | 95.3232% | 1,084 |
| Net loans and leases to core deposits | 128.6547% | 288 |
| Total domestic deposits to total assets | 86.2298% | 2,521 |
| Equity capital to assets | 11.9889% | 1,955 |
| Core capital (leverage) ratio | 10.7371% | 2,674 |
| Tier 1 risk-based capital ratio | 10.5181% | 5,766 |
| Total risk-based capital ratio | 11.4086% | 5,835 |
| Memoranda: |
| Average total assets | $5,672,438,000 | 181 |
| Average earning assets | $5,341,888,000 | 171 |
| Average equity | $682,116,000 | 172 |
| Average total loans | $4,671,173,800 | 160 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7056% | 1,090 |
| Cost of funding earning assets | 0.2868% | 4,483 |
| Net interest margin | 4.4188% | 764 |
| Noninterest income to average assets | 0.4508% | 3,712 |
| Noninterest expense to average assets | 1.9514% | 5,564 |
| Loan and lease loss provision to assets | 0.2386% | 742 |
| Net operating income to assets | 1.5020% | 916 |
| Return on assets (ROA) | 1.5352% | 910 |
| Pretax return on assets | 2.4681% | 249 |
| Return on Equity (ROE) | 12.7558% | 1,183 |
| Retained earnings to average equity (ytd only) | 12.7558% | 300 |
| Net charge-offs to loans | 0.1688% | 1,473 |
| Credit loss provision to net charge-offs | 172.0938% | 1,519 |
| Earnings coverage of net charge-offs (x) | 19.1454% | 1,963 |
| Efficiency ratio | 41.8897% | 6,092 |
| Assets per employee ($millions) | 13.5729% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0430% | 4,510 |
| Loan loss allowance to noncurrent loans | 346.1602% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4165% | 4,108 |
| Noncurrent loans to loans | 0.3013% | 4,521 |
| Net loans and leases to total assets | 81.0288% | 698 |
| Net loans and leases to deposits | 94.0011% | 1,204 |
| Net loans and leases to core deposits | 129.3530% | 284 |
| Total domestic deposits to total assets | 86.1998% | 2,441 |
| Equity capital to assets | 12.0057% | 2,105 |
| Core capital (leverage) ratio | 10.5548% | 2,980 |
| Tier 1 risk-based capital ratio | 10.3554% | 5,938 |
| Total risk-based capital ratio | 11.2282% | 6,004 |
| Memoranda: |
| Average total assets | $5,574,616,000 | 183 |
| Average earning assets | $5,242,472,250 | 173 |
| Average equity | $670,901,750 | 174 |
| Average total loans | $4,579,804,500 | 162 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7163% | 1,038 |
| Cost of funding earning assets | 0.2875% | 4,531 |
| Net interest margin | 4.4288% | 723 |
| Noninterest income to average assets | 0.4440% | 3,750 |
| Noninterest expense to average assets | 1.9896% | 5,548 |
| Loan and lease loss provision to assets | 0.2452% | 724 |
| Net operating income to assets | 1.4651% | 958 |
| Return on assets (ROA) | 1.5157% | 916 |
| Pretax return on assets | 2.4484% | 264 |
| Return on Equity (ROE) | 12.5831% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.5831% | 344 |
| Net charge-offs to loans | 0.1747% | 1,414 |
| Credit loss provision to net charge-offs | 170.6734% | 1,403 |
| Earnings coverage of net charge-offs (x) | 18.2000% | 1,817 |
| Efficiency ratio | 42.7308% | 6,154 |
| Assets per employee ($millions) | 12.8158% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0420% | 4,644 |
| Loan loss allowance to noncurrent loans | 327.3485% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 4,142 |
| Noncurrent loans to loans | 0.3183% | 4,555 |
| Net loans and leases to total assets | 80.7022% | 710 |
| Net loans and leases to deposits | 93.2290% | 1,228 |
| Net loans and leases to core deposits | 126.4376% | 329 |
| Total domestic deposits to total assets | 86.5635% | 2,394 |
| Equity capital to assets | 11.9036% | 2,102 |
| Core capital (leverage) ratio | 10.5613% | 2,881 |
| Tier 1 risk-based capital ratio | 10.2307% | 6,023 |
| Total risk-based capital ratio | 11.1018% | 6,080 |
| Memoranda: |
| Average total assets | $5,478,316,670 | 187 |
| Average earning assets | $5,146,005,330 | 176 |
| Average equity | $659,883,670 | 177 |
| Average total loans | $4,506,001,330 | 163 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7148% | 1,010 |
| Cost of funding earning assets | 0.2837% | 4,624 |
| Net interest margin | 4.4311% | 687 |
| Noninterest income to average assets | 0.4879% | 3,366 |
| Noninterest expense to average assets | 2.1093% | 5,357 |
| Loan and lease loss provision to assets | 0.2425% | 691 |
| Net operating income to assets | 1.4350% | 974 |
| Return on assets (ROA) | 1.5385% | 832 |
| Pretax return on assets | 2.4568% | 262 |
| Return on Equity (ROE) | 12.6923% | 1,165 |
| Retained earnings to average equity (ytd only) | 12.6923% | 482 |
| Net charge-offs to loans | 0.1452% | 1,371 |
| Credit loss provision to net charge-offs | 202.0548% | 1,036 |
| Earnings coverage of net charge-offs (x) | 21.1457% | 1,388 |
| Efficiency ratio | 44.9034% | 6,146 |
| Assets per employee ($millions) | 12.9770% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0574% | 4,718 |
| Loan loss allowance to noncurrent loans | 242.8878% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 3,736 |
| Noncurrent loans to loans | 0.4354% | 4,292 |
| Net loans and leases to total assets | 81.2243% | 546 |
| Net loans and leases to deposits | 94.2031% | 958 |
| Net loans and leases to core deposits | 131.5938% | 227 |
| Total domestic deposits to total assets | 86.2225% | 2,818 |
| Equity capital to assets | 12.0495% | 1,994 |
| Core capital (leverage) ratio | 10.6903% | 2,757 |
| Tier 1 risk-based capital ratio | 10.3108% | 6,074 |
| Total risk-based capital ratio | 11.2044% | 6,145 |
| Memoranda: |
| Average total assets | $5,353,151,500 | 184 |
| Average earning assets | $5,024,504,000 | 177 |
| Average equity | $648,867,000 | 174 |
| Average total loans | $4,423,088,500 | 163 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8194% | 1,077 |
| Cost of funding earning assets | 0.2712% | 5,080 |
| Net interest margin | 4.5481% | 681 |
| Noninterest income to average assets | 0.4459% | 3,865 |
| Noninterest expense to average assets | 2.3587% | 4,951 |
| Loan and lease loss provision to assets | 0.2613% | 850 |
| Net operating income to assets | 1.3512% | 1,188 |
| Return on assets (ROA) | 1.3515% | 1,239 |
| Pretax return on assets | 2.1450% | 366 |
| Return on Equity (ROE) | 12.7720% | 1,189 |
| Retained earnings to average equity (ytd only) | 12.7720% | 242 |
| Net charge-offs to loans | 0.1666% | 2,366 |
| Credit loss provision to net charge-offs | 190.0594% | 1,299 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,922 |
| Efficiency ratio | 49.2734% | 6,124 |
| Assets per employee ($millions) | 12.2483% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0550% | 4,791 |
| Loan loss allowance to noncurrent loans | 204.5137% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 3,528 |
| Noncurrent loans to loans | 0.5159% | 4,121 |
| Net loans and leases to total assets | 82.3069% | 489 |
| Net loans and leases to deposits | 98.7948% | 701 |
| Net loans and leases to core deposits | 129.4540% | 253 |
| Total domestic deposits to total assets | 83.3110% | 3,976 |
| Equity capital to assets | 12.1963% | 1,863 |
| Core capital (leverage) ratio | 11.0864% | 2,330 |
| Tier 1 risk-based capital ratio | 10.7797% | 6,000 |
| Total risk-based capital ratio | 11.7285% | 6,050 |
| Memoranda: |
| Average total assets | $4,163,701,000 | 214 |
| Average earning assets | $3,953,554,000 | 203 |
| Average equity | $440,587,400 | 224 |
| Average total loans | $3,436,503,200 | 186 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8311% | 1,056 |
| Cost of funding earning assets | 0.2749% | 5,152 |
| Net interest margin | 4.5562% | 676 |
| Noninterest income to average assets | 0.4381% | 3,966 |
| Noninterest expense to average assets | 2.3631% | 4,934 |
| Loan and lease loss provision to assets | 0.2456% | 889 |
| Net operating income to assets | 1.3823% | 1,168 |
| Return on assets (ROA) | 1.3826% | 1,208 |
| Pretax return on assets | 2.1748% | 389 |
| Return on Equity (ROE) | 13.7707% | 1,035 |
| Retained earnings to average equity (ytd only) | 13.7707% | 263 |
| Net charge-offs to loans | 0.1307% | 2,489 |
| Credit loss provision to net charge-offs | 228.2671% | 1,140 |
| Earnings coverage of net charge-offs (x) | 22.4919% | 1,625 |
| Efficiency ratio | 49.2379% | 6,132 |
| Assets per employee ($millions) | 10.6991% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2914% | 3,690 |
| Loan loss allowance to noncurrent loans | 152.6020% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 3,150 |
| Noncurrent loans to loans | 0.8462% | 3,456 |
| Net loans and leases to total assets | 82.4502% | 466 |
| Net loans and leases to deposits | 94.4552% | 999 |
| Net loans and leases to core deposits | 118.7354% | 423 |
| Total domestic deposits to total assets | 87.2903% | 2,160 |
| Equity capital to assets | 9.9995% | 4,167 |
| Core capital (leverage) ratio | 10.0655% | 3,578 |
| Tier 1 risk-based capital ratio | 10.5972% | 6,174 |
| Total risk-based capital ratio | 11.7640% | 6,153 |
| Memoranda: |
| Average total assets | $3,897,122,250 | 217 |
| Average earning assets | $3,716,571,750 | 209 |
| Average equity | $391,266,500 | 236 |
| Average total loans | $3,207,987,750 | 190 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7988% | 1,072 |
| Cost of funding earning assets | 0.2864% | 5,117 |
| Net interest margin | 4.5123% | 687 |
| Noninterest income to average assets | 0.4290% | 4,032 |
| Noninterest expense to average assets | 2.3168% | 5,115 |
| Loan and lease loss provision to assets | 0.2659% | 785 |
| Net operating income to assets | 1.3658% | 1,148 |
| Return on assets (ROA) | 1.3661% | 1,185 |
| Pretax return on assets | 2.1435% | 412 |
| Return on Equity (ROE) | 13.5871% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.5871% | 289 |
| Net charge-offs to loans | 0.1561% | 2,143 |
| Credit loss provision to net charge-offs | 208.0460% | 1,129 |
| Earnings coverage of net charge-offs (x) | 18.8493% | 1,655 |
| Efficiency ratio | 48.8505% | 6,233 |
| Assets per employee ($millions) | 9.9646% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3117% | 3,794 |
| Loan loss allowance to noncurrent loans | 192.7223% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 3,551 |
| Noncurrent loans to loans | 0.6806% | 4,012 |
| Net loans and leases to total assets | 83.7615% | 316 |
| Net loans and leases to deposits | 96.3756% | 774 |
| Net loans and leases to core deposits | 123.4615% | 313 |
| Total domestic deposits to total assets | 86.9115% | 2,501 |
| Equity capital to assets | 10.2675% | 3,733 |
| Core capital (leverage) ratio | 10.2326% | 3,289 |
| Tier 1 risk-based capital ratio | 10.6130% | 6,214 |
| Total risk-based capital ratio | 11.7895% | 6,178 |
| Memoranda: |
| Average total assets | $3,812,408,000 | 220 |
| Average earning assets | $3,630,147,330 | 209 |
| Average equity | $383,319,670 | 236 |
| Average total loans | $3,121,482,000 | 191 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7430% | 1,159 |
| Cost of funding earning assets | 0.2945% | 5,127 |
| Net interest margin | 4.4485% | 729 |
| Noninterest income to average assets | 0.4312% | 3,940 |
| Noninterest expense to average assets | 2.3699% | 5,008 |
| Loan and lease loss provision to assets | 0.2052% | 1,127 |
| Net operating income to assets | 1.3469% | 1,107 |
| Return on assets (ROA) | 1.3474% | 1,148 |
| Pretax return on assets | 2.0957% | 431 |
| Return on Equity (ROE) | 13.5492% | 1,028 |
| Retained earnings to average equity (ytd only) | 13.5492% | 430 |
| Net charge-offs to loans | 0.1104% | 2,078 |
| Credit loss provision to net charge-offs | 231.3397% | 942 |
| Earnings coverage of net charge-offs (x) | 25.9342% | 1,136 |
| Efficiency ratio | 50.5679% | 6,223 |
| Assets per employee ($millions) | 9.7816% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3595% | 3,793 |
| Loan loss allowance to noncurrent loans | 115.1847% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.1923% | 2,876 |
| Noncurrent loans to loans | 1.1803% | 3,077 |
| Net loans and leases to total assets | 80.2002% | 525 |
| Net loans and leases to deposits | 92.2154% | 936 |
| Net loans and leases to core deposits | 122.0295% | 287 |
| Total domestic deposits to total assets | 86.9705% | 2,828 |
| Equity capital to assets | 10.1260% | 3,690 |
| Core capital (leverage) ratio | 10.1550% | 3,345 |
| Tier 1 risk-based capital ratio | 10.8561% | 6,215 |
| Total risk-based capital ratio | 12.0614% | 6,198 |
| Memoranda: |
| Average total assets | $3,770,532,000 | 222 |
| Average earning assets | $3,592,662,500 | 211 |
| Average equity | $374,960,500 | 242 |
| Average total loans | $3,028,794,500 | 193 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7057% | 1,559 |
| Cost of funding earning assets | 0.3515% | 5,118 |
| Net interest margin | 4.3542% | 989 |
| Noninterest income to average assets | 0.6933% | 2,576 |
| Noninterest expense to average assets | 2.3980% | 5,075 |
| Loan and lease loss provision to assets | 0.2740% | 1,285 |
| Net operating income to assets | 1.3617% | 1,102 |
| Return on assets (ROA) | 1.3621% | 1,152 |
| Pretax return on assets | 2.1891% | 322 |
| Return on Equity (ROE) | 13.7091% | 1,013 |
| Retained earnings to average equity (ytd only) | 13.7091% | 209 |
| Net charge-offs to loans | 0.2207% | 2,697 |
| Credit loss provision to net charge-offs | 154.0006% | 1,505 |
| Earnings coverage of net charge-offs (x) | 13.8403% | 1,987 |
| Efficiency ratio | 49.1180% | 6,436 |
| Assets per employee ($millions) | 9.7295% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3673% | 3,807 |
| Loan loss allowance to noncurrent loans | 164.9421% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 3,626 |
| Noncurrent loans to loans | 0.8290% | 3,910 |
| Net loans and leases to total assets | 78.2579% | 794 |
| Net loans and leases to deposits | 90.5816% | 1,187 |
| Net loans and leases to core deposits | 120.1071% | 328 |
| Total domestic deposits to total assets | 86.3949% | 3,045 |
| Equity capital to assets | 9.7615% | 4,085 |
| Core capital (leverage) ratio | 10.2208% | 3,265 |
| Tier 1 risk-based capital ratio | 10.8057% | 6,262 |
| Total risk-based capital ratio | 12.0197% | 6,224 |
| Memoranda: |
| Average total assets | $3,469,993,800 | 226 |
| Average earning assets | $3,320,963,800 | 214 |
| Average equity | $344,763,000 | 245 |
| Average total loans | $2,797,106,800 | 192 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7024% | 1,592 |
| Cost of funding earning assets | 0.3652% | 5,142 |
| Net interest margin | 4.3373% | 1,014 |
| Noninterest income to average assets | 0.7979% | 2,159 |
| Noninterest expense to average assets | 2.4322% | 4,929 |
| Loan and lease loss provision to assets | 0.2746% | 1,274 |
| Net operating income to assets | 1.3995% | 1,101 |
| Return on assets (ROA) | 1.4001% | 1,150 |
| Pretax return on assets | 2.2482% | 351 |
| Return on Equity (ROE) | 14.0237% | 992 |
| Retained earnings to average equity (ytd only) | 14.0237% | 250 |
| Net charge-offs to loans | 0.2374% | 2,379 |
| Credit loss provision to net charge-offs | 142.8863% | 1,645 |
| Earnings coverage of net charge-offs (x) | 13.1217% | 2,064 |
| Efficiency ratio | 48.8775% | 6,459 |
| Assets per employee ($millions) | 9.1111% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3968% | 3,908 |
| Loan loss allowance to noncurrent loans | 143.4364% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1128% | 3,426 |
| Noncurrent loans to loans | 0.9738% | 3,861 |
| Net loans and leases to total assets | 79.9273% | 556 |
| Net loans and leases to deposits | 92.8869% | 909 |
| Net loans and leases to core deposits | 115.3713% | 415 |
| Total domestic deposits to total assets | 86.0479% | 3,225 |
| Equity capital to assets | 10.2052% | 3,637 |
| Core capital (leverage) ratio | 10.1841% | 3,421 |
| Tier 1 risk-based capital ratio | 10.8580% | 6,345 |
| Total risk-based capital ratio | 12.0850% | 6,315 |
| Memoranda: |
| Average total assets | $3,398,596,250 | 224 |
| Average earning assets | $3,256,746,000 | 216 |
| Average equity | $339,303,000 | 248 |
| Average total loans | $2,751,437,000 | 191 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6616% | 1,674 |
| Cost of funding earning assets | 0.3777% | 5,162 |
| Net interest margin | 4.2839% | 1,061 |
| Noninterest income to average assets | 0.6403% | 2,966 |
| Noninterest expense to average assets | 2.4105% | 5,024 |
| Loan and lease loss provision to assets | 0.3342% | 1,027 |
| Net operating income to assets | 1.1582% | 1,707 |
| Return on assets (ROA) | 1.1591% | 1,819 |
| Pretax return on assets | 2.0136% | 591 |
| Return on Equity (ROE) | 11.6998% | 1,581 |
| Retained earnings to average equity (ytd only) | 11.6998% | 543 |
| Net charge-offs to loans | 0.2622% | 2,154 |
| Credit loss provision to net charge-offs | 157.4706% | 1,470 |
| Earnings coverage of net charge-offs (x) | 11.0565% | 2,092 |
| Efficiency ratio | 50.4431% | 6,397 |
| Assets per employee ($millions) | 8.7959% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4158% | 3,961 |
| Loan loss allowance to noncurrent loans | 167.8819% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 1.0521% | 3,644 |
| Noncurrent loans to loans | 0.8434% | 4,232 |
| Net loans and leases to total assets | 80.9332% | 448 |
| Net loans and leases to deposits | 94.6105% | 767 |
| Net loans and leases to core deposits | 120.6307% | 306 |
| Total domestic deposits to total assets | 85.5435% | 3,619 |
| Equity capital to assets | 10.0004% | 3,917 |
| Core capital (leverage) ratio | 10.0809% | 3,397 |
| Tier 1 risk-based capital ratio | 10.3842% | 6,543 |
| Total risk-based capital ratio | 11.6182% | 6,520 |
| Memoranda: |
| Average total assets | $3,368,277,670 | 224 |
| Average earning assets | $3,236,715,330 | 215 |
| Average equity | $333,698,670 | 251 |
| Average total loans | $2,725,711,000 | 191 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6605% | 1,649 |
| Cost of funding earning assets | 0.3968% | 5,134 |
| Net interest margin | 4.2637% | 1,037 |
| Noninterest income to average assets | 0.9219% | 1,687 |
| Noninterest expense to average assets | 2.4503% | 4,950 |
| Loan and lease loss provision to assets | 0.3932% | 793 |
| Net operating income to assets | 1.3575% | 1,135 |
| Return on assets (ROA) | 1.3592% | 1,220 |
| Pretax return on assets | 2.1946% | 429 |
| Return on Equity (ROE) | 13.7856% | 1,004 |
| Retained earnings to average equity (ytd only) | 13.7856% | 471 |
| Net charge-offs to loans | 0.3037% | 1,747 |
| Credit loss provision to net charge-offs | 161.1926% | 1,295 |
| Earnings coverage of net charge-offs (x) | 10.5968% | 1,727 |
| Efficiency ratio | 48.4372% | 6,592 |
| Assets per employee ($millions) | 8.7115% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4462% | 4,028 |
| Loan loss allowance to noncurrent loans | 137.2648% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.1287% | 3,683 |
| Noncurrent loans to loans | 1.0536% | 4,032 |
| Net loans and leases to total assets | 79.5881% | 461 |
| Net loans and leases to deposits | 93.0490% | 725 |
| Net loans and leases to core deposits | 118.6549% | 303 |
| Total domestic deposits to total assets | 85.5336% | 3,780 |
| Equity capital to assets | 10.1492% | 3,958 |
| Core capital (leverage) ratio | 9.6623% | 3,832 |
| Tier 1 risk-based capital ratio | 10.3223% | 6,629 |
| Total risk-based capital ratio | 11.5595% | 6,624 |
| Memoranda: |
| Average total assets | $3,354,807,500 | 229 |
| Average earning assets | $3,236,660,000 | 219 |
| Average equity | $330,779,500 | 259 |
| Average total loans | $2,694,906,000 | 196 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9140% | 1,790 |
| Cost of funding earning assets | 0.4688% | 5,428 |
| Net interest margin | 4.4452% | 1,059 |
| Noninterest income to average assets | 0.7468% | 2,515 |
| Noninterest expense to average assets | 2.5479% | 4,936 |
| Loan and lease loss provision to assets | 0.5403% | 1,066 |
| Net operating income to assets | 1.2244% | 1,520 |
| Return on assets (ROA) | 1.2392% | 1,641 |
| Pretax return on assets | 1.9602% | 656 |
| Return on Equity (ROE) | 12.9753% | 1,227 |
| Retained earnings to average equity (ytd only) | 12.9753% | 254 |
| Net charge-offs to loans | 0.3422% | 2,925 |
| Credit loss provision to net charge-offs | 193.3413% | 1,353 |
| Earnings coverage of net charge-offs (x) | 8.8654% | 2,341 |
| Efficiency ratio | 50.4858% | 6,558 |
| Assets per employee ($millions) | 8.6495% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3771% | 4,275 |
| Loan loss allowance to noncurrent loans | 121.9202% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 3,912 |
| Noncurrent loans to loans | 1.1295% | 3,956 |
| Net loans and leases to total assets | 78.8139% | 586 |
| Net loans and leases to deposits | 91.8024% | 930 |
| Net loans and leases to core deposits | 117.1819% | 332 |
| Total domestic deposits to total assets | 85.8517% | 3,428 |
| Equity capital to assets | 9.5781% | 4,782 |
| Core capital (leverage) ratio | 9.6961% | 3,810 |
| Tier 1 risk-based capital ratio | 10.0448% | 6,686 |
| Total risk-based capital ratio | 11.2527% | 6,669 |
| Memoranda: |
| Average total assets | $2,988,056,800 | 243 |
| Average earning assets | $2,875,989,600 | 231 |
| Average equity | $285,364,200 | 281 |
| Average total loans | $2,440,264,000 | 200 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9665% | 1,785 |
| Cost of funding earning assets | 0.4941% | 5,477 |
| Net interest margin | 4.4724% | 1,042 |
| Noninterest income to average assets | 0.7799% | 2,334 |
| Noninterest expense to average assets | 2.5625% | 4,873 |
| Loan and lease loss provision to assets | 0.5548% | 1,037 |
| Net operating income to assets | 1.2611% | 1,538 |
| Return on assets (ROA) | 1.2681% | 1,681 |
| Pretax return on assets | 1.9737% | 743 |
| Return on Equity (ROE) | 13.2895% | 1,272 |
| Retained earnings to average equity (ytd only) | 13.2895% | 367 |
| Net charge-offs to loans | 0.3442% | 2,730 |
| Credit loss provision to net charge-offs | 196.1281% | 1,415 |
| Earnings coverage of net charge-offs (x) | 8.9005% | 2,381 |
| Efficiency ratio | 50.2392% | 6,574 |
| Assets per employee ($millions) | 7.5262% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3839% | 4,441 |
| Loan loss allowance to noncurrent loans | 109.4902% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 3,782 |
| Noncurrent loans to loans | 1.2639% | 3,940 |
| Net loans and leases to total assets | 85.3112% | 170 |
| Net loans and leases to deposits | 99.6458% | 456 |
| Net loans and leases to core deposits | 124.2180% | 246 |
| Total domestic deposits to total assets | 85.6144% | 3,454 |
| Equity capital to assets | 9.9859% | 4,512 |
| Core capital (leverage) ratio | 9.4118% | 4,414 |
| Tier 1 risk-based capital ratio | 9.7720% | 6,851 |
| Total risk-based capital ratio | 11.0055% | 6,843 |
| Memoranda: |
| Average total assets | $2,885,258,000 | 254 |
| Average earning assets | $2,774,125,750 | 241 |
| Average equity | $275,309,250 | 294 |
| Average total loans | $2,371,206,500 | 207 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8648% | 2,253 |
| Cost of funding earning assets | 0.5231% | 5,467 |
| Net interest margin | 4.3417% | 1,360 |
| Noninterest income to average assets | 0.7739% | 2,322 |
| Noninterest expense to average assets | 2.5704% | 4,878 |
| Loan and lease loss provision to assets | 0.5855% | 1,025 |
| Net operating income to assets | 1.1435% | 1,898 |
| Return on assets (ROA) | 1.1569% | 2,066 |
| Pretax return on assets | 1.8137% | 1,015 |
| Return on Equity (ROE) | 12.3231% | 1,569 |
| Retained earnings to average equity (ytd only) | 12.3231% | 533 |
| Net charge-offs to loans | 0.3456% | 2,633 |
| Credit loss provision to net charge-offs | 209.9348% | 1,344 |
| Earnings coverage of net charge-offs (x) | 8.5273% | 2,280 |
| Efficiency ratio | 51.7362% | 6,520 |
| Assets per employee ($millions) | 7.7693% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4058% | 4,441 |
| Loan loss allowance to noncurrent loans | 103.4098% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 3,898 |
| Noncurrent loans to loans | 1.3594% | 3,887 |
| Net loans and leases to total assets | 80.7617% | 429 |
| Net loans and leases to deposits | 94.7443% | 710 |
| Net loans and leases to core deposits | 115.4977% | 409 |
| Total domestic deposits to total assets | 85.2417% | 3,746 |
| Equity capital to assets | 9.6246% | 4,876 |
| Core capital (leverage) ratio | 9.4555% | 4,208 |
| Tier 1 risk-based capital ratio | 9.8306% | 6,866 |
| Total risk-based capital ratio | 11.0680% | 6,864 |
| Memoranda: |
| Average total assets | $2,858,566,000 | 258 |
| Average earning assets | $2,748,570,330 | 245 |
| Average equity | $268,373,670 | 299 |
| Average total loans | $2,306,521,330 | 211 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8032% | 2,625 |
| Cost of funding earning assets | 0.5719% | 5,343 |
| Net interest margin | 4.2314% | 1,670 |
| Noninterest income to average assets | 0.8459% | 1,963 |
| Noninterest expense to average assets | 2.6081% | 4,788 |
| Loan and lease loss provision to assets | 0.5584% | 1,041 |
| Net operating income to assets | 1.1138% | 2,014 |
| Return on assets (ROA) | 1.1277% | 2,147 |
| Pretax return on assets | 1.7686% | 1,155 |
| Return on Equity (ROE) | 12.1727% | 1,623 |
| Retained earnings to average equity (ytd only) | 12.1727% | 801 |
| Net charge-offs to loans | 0.3107% | 2,411 |
| Credit loss provision to net charge-offs | 224.5423% | 1,241 |
| Earnings coverage of net charge-offs (x) | 9.2700% | 1,860 |
| Efficiency ratio | 52.8708% | 6,454 |
| Assets per employee ($millions) | 7.9159% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4003% | 4,619 |
| Loan loss allowance to noncurrent loans | 86.5964% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.4177% | 3,741 |
| Noncurrent loans to loans | 1.6171% | 3,693 |
| Net loans and leases to total assets | 79.8867% | 415 |
| Net loans and leases to deposits | 94.2512% | 643 |
| Net loans and leases to core deposits | 113.5899% | 440 |
| Total domestic deposits to total assets | 84.7594% | 4,138 |
| Equity capital to assets | 9.4432% | 4,881 |
| Core capital (leverage) ratio | 8.9622% | 4,895 |
| Tier 1 risk-based capital ratio | 9.6926% | 6,935 |
| Total risk-based capital ratio | 10.9211% | 6,936 |
| Memoranda: |
| Average total assets | $2,811,682,000 | 258 |
| Average earning assets | $2,702,777,000 | 244 |
| Average equity | $260,485,500 | 300 |
| Average total loans | $2,250,606,000 | 216 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8910% | 3,401 |
| Cost of funding earning assets | 0.7872% | 4,959 |
| Net interest margin | 4.1038% | 2,413 |
| Noninterest income to average assets | 0.5258% | 3,675 |
| Noninterest expense to average assets | 2.4419% | 5,656 |
| Loan and lease loss provision to assets | 0.4350% | 2,422 |
| Net operating income to assets | 1.0352% | 2,066 |
| Return on assets (ROA) | 1.0724% | 2,052 |
| Pretax return on assets | 1.6590% | 1,082 |
| Return on Equity (ROE) | 12.3257% | 1,324 |
| Retained earnings to average equity (ytd only) | 10.0482% | 555 |
| Net charge-offs to loans | 0.3074% | 3,862 |
| Credit loss provision to net charge-offs | 180.3912% | 1,442 |
| Earnings coverage of net charge-offs (x) | 8.4466% | 2,144 |
| Efficiency ratio | 54.2725% | 6,482 |
| Assets per employee ($millions) | 8.4213% | 404 |
| Cash dividends to net income (ytd only)* | 18.4781% | 3,594 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3276% | 4,769 |
| Loan loss allowance to noncurrent loans | 90.3009% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.2769% | 4,089 |
| Noncurrent loans to loans | 1.4702% | 3,955 |
| Net loans and leases to total assets | 78.0252% | 704 |
| Net loans and leases to deposits | 91.6914% | 995 |
| Net loans and leases to core deposits | 110.4960% | 607 |
| Total domestic deposits to total assets | 85.0954% | 3,787 |
| Equity capital to assets | 9.0868% | 5,435 |
| Core capital (leverage) ratio | 7.8747% | 6,379 |
| Tier 1 risk-based capital ratio | 9.9163% | 6,871 |
| Total risk-based capital ratio | 11.1300% | 6,874 |
| Memoranda: |
| Average total assets | $2,523,114,000 | 279 |
| Average earning assets | $2,430,359,600 | 262 |
| Average equity | $219,532,800 | 323 |
| Average total loans | $1,978,939,000 | 238 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8533% | 3,767 |
| Cost of funding earning assets | 0.8224% | 4,992 |
| Net interest margin | 4.0309% | 2,776 |
| Noninterest income to average assets | 0.4709% | 4,119 |
| Noninterest expense to average assets | 2.3709% | 5,847 |
| Loan and lease loss provision to assets | 0.4475% | 2,232 |
| Net operating income to assets | 0.9798% | 2,393 |
| Return on assets (ROA) | 1.0302% | 2,373 |
| Pretax return on assets | 1.6151% | 1,345 |
| Return on Equity (ROE) | 11.9930% | 1,554 |
| Retained earnings to average equity (ytd only) | 8.8234% | 1,208 |
| Net charge-offs to loans | 0.3044% | 3,568 |
| Credit loss provision to net charge-offs | 187.8829% | 1,555 |
| Earnings coverage of net charge-offs (x) | 8.3297% | 2,198 |
| Efficiency ratio | 54.1800% | 6,471 |
| Assets per employee ($millions) | 9.9709% | 253 |
| Cash dividends to net income (ytd only)* | 26.4285% | 2,646 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3380% | 4,826 |
| Loan loss allowance to noncurrent loans | 90.8857% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 4,630 |
| Noncurrent loans to loans | 1.4722% | 4,091 |
| Net loans and leases to total assets | 65.6137% | 2,980 |
| Net loans and leases to deposits | 76.4827% | 3,252 |
| Net loans and leases to core deposits | 89.0259% | 2,352 |
| Total domestic deposits to total assets | 85.7889% | 3,334 |
| Equity capital to assets | 7.7073% | 6,841 |
| Core capital (leverage) ratio | 9.2081% | 4,617 |
| Tier 1 risk-based capital ratio | 10.0599% | 6,938 |
| Total risk-based capital ratio | 11.2892% | 6,931 |
| Memoranda: |
| Average total assets | $2,448,610,000 | 283 |
| Average earning assets | $2,359,292,500 | 267 |
| Average equity | $210,328,500 | 339 |
| Average total loans | $1,915,972,000 | 242 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2350% | 2,122 |
| Cost of funding earning assets | 0.8939% | 4,721 |
| Net interest margin | 4.3411% | 1,535 |
| Noninterest income to average assets | 0.5273% | 3,648 |
| Noninterest expense to average assets | 2.5815% | 5,257 |
| Loan and lease loss provision to assets | 0.4858% | 2,031 |
| Net operating income to assets | 1.0434% | 2,056 |
| Return on assets (ROA) | 1.0779% | 2,042 |
| Pretax return on assets | 1.6846% | 1,085 |
| Return on Equity (ROE) | 11.9503% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.9503% | 523 |
| Net charge-offs to loans | 0.2832% | 3,462 |
| Credit loss provision to net charge-offs | 204.2529% | 1,479 |
| Earnings coverage of net charge-offs (x) | 8.8985% | 1,991 |
| Efficiency ratio | 54.6827% | 6,546 |
| Assets per employee ($millions) | 7.5492% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3913% | 4,620 |
| Loan loss allowance to noncurrent loans | 87.9088% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.3341% | 4,229 |
| Noncurrent loans to loans | 1.5827% | 4,022 |
| Net loans and leases to total assets | 83.1194% | 297 |
| Net loans and leases to deposits | 99.9792% | 495 |
| Net loans and leases to core deposits | 124.5712% | 335 |
| Total domestic deposits to total assets | 83.1366% | 4,701 |
| Equity capital to assets | 8.7758% | 5,846 |
| Core capital (leverage) ratio | 8.6020% | 5,405 |
| Tier 1 risk-based capital ratio | 9.1525% | 7,157 |
| Total risk-based capital ratio | 10.3970% | 7,159 |
| Memoranda: |
| Average total assets | $2,194,606,000 | 324 |
| Average earning assets | $2,108,498,000 | 301 |
| Average equity | $197,953,670 | 361 |
| Average total loans | $1,842,904,000 | 250 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1486% | 2,443 |
| Cost of funding earning assets | 0.8939% | 4,965 |
| Net interest margin | 4.2547% | 1,729 |
| Noninterest income to average assets | 0.5910% | 3,234 |
| Noninterest expense to average assets | 2.5837% | 5,282 |
| Loan and lease loss provision to assets | 0.3989% | 2,200 |
| Net operating income to assets | 1.0880% | 1,882 |
| Return on assets (ROA) | 1.0880% | 1,927 |
| Pretax return on assets | 1.6972% | 988 |
| Return on Equity (ROE) | 11.8841% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.8841% | 752 |
| Net charge-offs to loans | 0.2898% | 2,896 |
| Credit loss provision to net charge-offs | 164.2857% | 1,761 |
| Earnings coverage of net charge-offs (x) | 8.6328% | 1,805 |
| Efficiency ratio | 54.9509% | 6,608 |
| Assets per employee ($millions) | 7.0990% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4186% | 4,570 |
| Loan loss allowance to noncurrent loans | 77.0225% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.5272% | 3,955 |
| Noncurrent loans to loans | 1.8418% | 3,771 |
| Net loans and leases to total assets | 81.7430% | 364 |
| Net loans and leases to deposits | 96.9323% | 625 |
| Net loans and leases to core deposits | 118.3411% | 466 |
| Total domestic deposits to total assets | 84.3301% | 4,353 |
| Equity capital to assets | 9.1193% | 5,009 |
| Core capital (leverage) ratio | 8.9386% | 4,713 |
| Tier 1 risk-based capital ratio | 9.4927% | 7,144 |
| Total risk-based capital ratio | 10.7411% | 7,149 |
| Memoranda: |
| Average total assets | $2,121,787,000 | 333 |
| Average earning assets | $2,039,085,000 | 313 |
| Average equity | $194,243,500 | 363 |
| Average total loans | $1,778,035,000 | 263 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2957% | 3,149 |
| Cost of funding earning assets | 1.0396% | 5,486 |
| Net interest margin | 4.2561% | 1,973 |
| Noninterest income to average assets | 0.3548% | 5,274 |
| Noninterest expense to average assets | 2.5798% | 5,506 |
| Loan and lease loss provision to assets | 0.4893% | 3,214 |
| Net operating income to assets | 0.8392% | 2,637 |
| Return on assets (ROA) | 0.8815% | 2,599 |
| Pretax return on assets | 1.4168% | 1,615 |
| Return on Equity (ROE) | 9.8198% | 1,998 |
| Retained earnings to average equity (ytd only) | 9.8198% | 553 |
| Net charge-offs to loans | 0.3355% | 4,333 |
| Credit loss provision to net charge-offs | 179.9691% | 1,838 |
| Earnings coverage of net charge-offs (x) | 6.7676% | 2,283 |
| Efficiency ratio | 58.1506% | 6,321 |
| Assets per employee ($millions) | 7.1670% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4090% | 4,467 |
| Loan loss allowance to noncurrent loans | 97.7775% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.2208% | 4,584 |
| Noncurrent loans to loans | 1.4410% | 4,325 |
| Net loans and leases to total assets | 83.5277% | 342 |
| Net loans and leases to deposits | 100.1044% | 570 |
| Net loans and leases to core deposits | 118.6067% | 572 |
| Total domestic deposits to total assets | 83.4406% | 4,633 |
| Equity capital to assets | 9.1919% | 4,853 |
| Core capital (leverage) ratio | 8.8246% | 4,819 |
| Tier 1 risk-based capital ratio | 9.3452% | 7,173 |
| Total risk-based capital ratio | 10.5956% | 7,178 |
| Memoranda: |
| Average total assets | $1,902,409,000 | 368 |
| Average earning assets | $1,816,959,000 | 341 |
| Average equity | $170,777,400 | 407 |
| Average total loans | $1,541,754,200 | 306 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2865% | 3,418 |
| Cost of funding earning assets | 1.0813% | 5,544 |
| Net interest margin | 4.2052% | 2,197 |
| Noninterest income to average assets | 0.3653% | 5,237 |
| Noninterest expense to average assets | 2.5905% | 5,364 |
| Loan and lease loss provision to assets | 0.4123% | 3,431 |
| Net operating income to assets | 0.8857% | 2,668 |
| Return on assets (ROA) | 0.9245% | 2,653 |
| Pretax return on assets | 1.4287% | 1,796 |
| Return on Equity (ROE) | 10.3674% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.3674% | 707 |
| Net charge-offs to loans | 0.3700% | 3,831 |
| Credit loss provision to net charge-offs | 139.2399% | 2,865 |
| Earnings coverage of net charge-offs (x) | 6.0160% | 2,616 |
| Efficiency ratio | 59.0271% | 6,103 |
| Assets per employee ($millions) | 7.1190% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3877% | 4,533 |
| Loan loss allowance to noncurrent loans | 90.0612% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 4,649 |
| Noncurrent loans to loans | 1.5408% | 4,325 |
| Net loans and leases to total assets | 80.0377% | 744 |
| Net loans and leases to deposits | 95.7950% | 1,005 |
| Net loans and leases to core deposits | 112.7148% | 896 |
| Total domestic deposits to total assets | 83.5510% | 4,350 |
| Equity capital to assets | 8.8287% | 5,809 |
| Core capital (leverage) ratio | 8.3682% | 5,761 |
| Tier 1 risk-based capital ratio | 9.3437% | 7,291 |
| Total risk-based capital ratio | 10.5943% | 7,302 |
| Memoranda: |
| Average total assets | $1,860,194,250 | 373 |
| Average earning assets | $1,772,271,750 | 347 |
| Average equity | $165,874,750 | 409 |
| Average total loans | $1,488,490,750 | 318 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3051% | 3,449 |
| Cost of funding earning assets | 1.1416% | 5,454 |
| Net interest margin | 4.1635% | 2,282 |
| Noninterest income to average assets | 0.3256% | 5,547 |
| Noninterest expense to average assets | 2.5781% | 5,417 |
| Loan and lease loss provision to assets | 0.4158% | 3,238 |
| Net operating income to assets | 0.8253% | 2,846 |
| Return on assets (ROA) | 0.8655% | 2,809 |
| Pretax return on assets | 1.3518% | 1,944 |
| Return on Equity (ROE) | 9.6718% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.6718% | 922 |
| Net charge-offs to loans | 0.3676% | 3,517 |
| Credit loss provision to net charge-offs | 142.1072% | 2,800 |
| Earnings coverage of net charge-offs (x) | 5.8260% | 2,586 |
| Efficiency ratio | 59.9585% | 6,053 |
| Assets per employee ($millions) | 7.3159% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4215% | 4,330 |
| Loan loss allowance to noncurrent loans | 85.7402% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.3313% | 4,491 |
| Noncurrent loans to loans | 1.6579% | 4,214 |
| Net loans and leases to total assets | 79.1586% | 924 |
| Net loans and leases to deposits | 95.2636% | 1,116 |
| Net loans and leases to core deposits | 112.0540% | 1,030 |
| Total domestic deposits to total assets | 83.0943% | 4,532 |
| Equity capital to assets | 8.8382% | 5,692 |
| Core capital (leverage) ratio | 8.4616% | 5,476 |
| Tier 1 risk-based capital ratio | 9.5136% | 7,256 |
| Total risk-based capital ratio | 10.7643% | 7,262 |
| Memoranda: |
| Average total assets | $1,822,937,670 | 379 |
| Average earning assets | $1,732,648,000 | 358 |
| Average equity | $163,133,330 | 417 |
| Average total loans | $1,451,146,000 | 327 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2888% | 3,596 |
| Cost of funding earning assets | 1.1938% | 5,441 |
| Net interest margin | 4.0950% | 2,464 |
| Noninterest income to average assets | 0.2911% | 5,816 |
| Noninterest expense to average assets | 2.4794% | 5,806 |
| Loan and lease loss provision to assets | 0.3788% | 3,095 |
| Net operating income to assets | 0.8409% | 2,786 |
| Return on assets (ROA) | 0.8409% | 2,883 |
| Pretax return on assets | 1.3204% | 1,999 |
| Return on Equity (ROE) | 9.3350% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.3350% | 1,307 |
| Net charge-offs to loans | 0.3572% | 2,982 |
| Credit loss provision to net charge-offs | 133.8352% | 2,638 |
| Earnings coverage of net charge-offs (x) | 6.0032% | 2,301 |
| Efficiency ratio | 59.0875% | 6,326 |
| Assets per employee ($millions) | 7.7168% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4730% | 4,055 |
| Loan loss allowance to noncurrent loans | 100.1859% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.1667% | 4,843 |
| Noncurrent loans to loans | 1.4702% | 4,536 |
| Net loans and leases to total assets | 78.1833% | 1,114 |
| Net loans and leases to deposits | 95.0193% | 1,230 |
| Net loans and leases to core deposits | 114.3135% | 1,027 |
| Total domestic deposits to total assets | 82.2814% | 4,939 |
| Equity capital to assets | 9.0654% | 5,180 |
| Core capital (leverage) ratio | 8.5371% | 5,309 |
| Tier 1 risk-based capital ratio | 9.9653% | 7,057 |
| Total risk-based capital ratio | 11.2169% | 7,039 |
| Memoranda: |
| Average total assets | $1,783,345,000 | 400 |
| Average earning assets | $1,693,011,000 | 382 |
| Average equity | $160,643,000 | 427 |
| Average total loans | $1,413,016,500 | 348 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5572% | 3,832 |
| Cost of funding earning assets | 1.5653% | 5,203 |
| Net interest margin | 3.9920% | 2,896 |
| Noninterest income to average assets | 0.3784% | 5,388 |
| Noninterest expense to average assets | 2.6192% | 5,717 |
| Loan and lease loss provision to assets | 0.4808% | 3,959 |
| Net operating income to assets | 0.6696% | 3,061 |
| Return on assets (ROA) | 0.7313% | 2,886 |
| Pretax return on assets | 1.1574% | 2,074 |
| Return on Equity (ROE) | 8.0578% | 2,344 |
| Retained earnings to average equity (ytd only) | 8.0578% | 685 |
| Net charge-offs to loans | 0.4148% | 4,150 |
| Credit loss provision to net charge-offs | 140.6124% | 3,455 |
| Earnings coverage of net charge-offs (x) | 4.5088% | 2,924 |
| Efficiency ratio | 62.6671% | 6,026 |
| Assets per employee ($millions) | 7.5263% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4714% | 3,888 |
| Loan loss allowance to noncurrent loans | 93.4844% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.2452% | 4,606 |
| Noncurrent loans to loans | 1.5740% | 4,287 |
| Net loans and leases to total assets | 77.9499% | 1,400 |
| Net loans and leases to deposits | 94.2590% | 1,562 |
| Net loans and leases to core deposits | 118.1945% | 2,105 |
| Total domestic deposits to total assets | 82.6976% | 4,660 |
| Equity capital to assets | 8.9496% | 5,217 |
| Core capital (leverage) ratio | 8.7599% | 4,821 |
| Tier 1 risk-based capital ratio | 9.9471% | 6,920 |
| Total risk-based capital ratio | 11.1989% | 6,892 |
| Memoranda: |
| Average total assets | $1,594,905,200 | 431 |
| Average earning assets | $1,511,290,000 | 417 |
| Average equity | $144,753,600 | 468 |
| Average total loans | $1,314,715,200 | 372 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6003% | 3,860 |
| Cost of funding earning assets | 1.6526% | 5,149 |
| Net interest margin | 3.9476% | 3,050 |
| Noninterest income to average assets | 0.4025% | 5,260 |
| Noninterest expense to average assets | 2.6965% | 5,343 |
| Loan and lease loss provision to assets | 0.4418% | 3,699 |
| Net operating income to assets | 0.6428% | 3,433 |
| Return on assets (ROA) | 0.7274% | 3,173 |
| Pretax return on assets | 1.1339% | 2,463 |
| Return on Equity (ROE) | 7.9826% | 2,644 |
| Retained earnings to average equity (ytd only) | 7.9826% | 1,142 |
| Net charge-offs to loans | 0.3726% | 3,785 |
| Credit loss provision to net charge-offs | 142.2130% | 3,444 |
| Earnings coverage of net charge-offs (x) | 4.6467% | 3,059 |
| Efficiency ratio | 64.8428% | 5,579 |
| Assets per employee ($millions) | 7.0379% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5115% | 3,374 |
| Loan loss allowance to noncurrent loans | 87.3727% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.3889% | 4,316 |
| Noncurrent loans to loans | 1.7300% | 4,043 |
| Net loans and leases to total assets | 79.0733% | 1,374 |
| Net loans and leases to deposits | 96.2036% | 1,546 |
| Net loans and leases to core deposits | 123.6494% | 1,938 |
| Total domestic deposits to total assets | 82.1937% | 4,591 |
| Equity capital to assets | 9.4977% | 4,747 |
| Core capital (leverage) ratio | 8.9165% | 4,784 |
| Tier 1 risk-based capital ratio | 10.5139% | 6,453 |
| Total risk-based capital ratio | 11.7664% | 6,408 |
| Memoranda: |
| Average total assets | $1,551,463,750 | 453 |
| Average earning assets | $1,468,892,750 | 439 |
| Average equity | $141,369,750 | 489 |
| Average total loans | $1,293,577,250 | 395 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6111% | 4,018 |
| Cost of funding earning assets | 1.6825% | 5,352 |
| Net interest margin | 3.9287% | 2,984 |
| Noninterest income to average assets | 0.4112% | 5,192 |
| Noninterest expense to average assets | 2.7891% | 5,002 |
| Loan and lease loss provision to assets | 0.4315% | 3,400 |
| Net operating income to assets | 0.5874% | 3,732 |
| Return on assets (ROA) | 0.7187% | 3,280 |
| Pretax return on assets | 1.1041% | 2,623 |
| Return on Equity (ROE) | 8.0086% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.0086% | 1,202 |
| Net charge-offs to loans | 0.3168% | 3,603 |
| Credit loss provision to net charge-offs | 161.2175% | 2,849 |
| Earnings coverage of net charge-offs (x) | 4.9823% | 2,941 |
| Efficiency ratio | 67.3551% | 5,284 |
| Assets per employee ($millions) | 6.8823% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4840% | 3,284 |
| Loan loss allowance to noncurrent loans | 63.3099% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.9579% | 3,252 |
| Noncurrent loans to loans | 2.3440% | 3,087 |
| Net loans and leases to total assets | 82.2862% | 904 |
| Net loans and leases to deposits | 103.3994% | 954 |
| Net loans and leases to core deposits | 133.5771% | 1,339 |
| Total domestic deposits to total assets | 79.5809% | 5,603 |
| Equity capital to assets | 8.7532% | 5,680 |
| Core capital (leverage) ratio | 8.5576% | 5,341 |
| Tier 1 risk-based capital ratio | 9.4683% | 7,418 |
| Total risk-based capital ratio | 10.7205% | 7,373 |
| Memoranda: |
| Average total assets | $1,522,009,670 | 476 |
| Average earning assets | $1,437,890,670 | 463 |
| Average equity | $136,578,000 | 510 |
| Average total loans | $1,285,915,000 | 412 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6778% | 3,908 |
| Cost of funding earning assets | 1.7885% | 5,170 |
| Net interest margin | 3.8893% | 3,078 |
| Noninterest income to average assets | 0.3636% | 5,523 |
| Noninterest expense to average assets | 2.7116% | 4,947 |
| Loan and lease loss provision to assets | 0.4200% | 2,824 |
| Net operating income to assets | 0.6065% | 3,989 |
| Return on assets (ROA) | 0.6302% | 4,063 |
| Pretax return on assets | 0.9386% | 3,570 |
| Return on Equity (ROE) | 6.9328% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.9328% | 2,236 |
| Net charge-offs to loans | 0.2896% | 2,956 |
| Credit loss provision to net charge-offs | 170.5882% | 2,513 |
| Earnings coverage of net charge-offs (x) | 5.3747% | 2,685 |
| Efficiency ratio | 66.8993% | 5,163 |
| Assets per employee ($millions) | 6.5978% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4989% | 3,000 |
| Loan loss allowance to noncurrent loans | 40.9119% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 3.2667% | 1,683 |
| Noncurrent loans to loans | 3.6637% | 1,708 |
| Net loans and leases to total assets | 83.8322% | 714 |
| Net loans and leases to deposits | 107.4512% | 759 |
| Net loans and leases to core deposits | 141.3022% | 1,049 |
| Total domestic deposits to total assets | 78.0189% | 6,010 |
| Equity capital to assets | 9.1799% | 5,110 |
| Core capital (leverage) ratio | 8.5560% | 5,418 |
| Tier 1 risk-based capital ratio | 9.7122% | 7,245 |
| Total risk-based capital ratio | 10.9647% | 7,149 |
| Memoranda: |
| Average total assets | $1,491,545,000 | 487 |
| Average earning assets | $1,407,860,000 | 470 |
| Average equity | $135,588,000 | 511 |
| Average total loans | $1,267,792,000 | 420 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1873% | 4,580 |
| Cost of funding earning assets | 2.1887% | 5,647 |
| Net interest margin | 3.9986% | 3,115 |
| Noninterest income to average assets | 0.4220% | 5,284 |
| Noninterest expense to average assets | 2.7217% | 5,168 |
| Loan and lease loss provision to assets | 0.3560% | 3,552 |
| Net operating income to assets | 0.7152% | 3,825 |
| Return on assets (ROA) | 0.7154% | 3,657 |
| Pretax return on assets | 1.1202% | 2,957 |
| Return on Equity (ROE) | 8.1914% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.1914% | 783 |
| Net charge-offs to loans | 0.1192% | 5,063 |
| Credit loss provision to net charge-offs | 354.4078% | 1,266 |
| Earnings coverage of net charge-offs (x) | 14.6937% | 2,017 |
| Efficiency ratio | 64.4810% | 5,459 |
| Assets per employee ($millions) | 6.3488% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4507% | 2,919 |
| Loan loss allowance to noncurrent loans | 72.1766% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.7672% | 2,767 |
| Noncurrent loans to loans | 2.0100% | 2,747 |
| Net loans and leases to total assets | 83.6578% | 944 |
| Net loans and leases to deposits | 109.0115% | 899 |
| Net loans and leases to core deposits | 139.3870% | 1,299 |
| Total domestic deposits to total assets | 76.7422% | 6,058 |
| Equity capital to assets | 9.0010% | 5,365 |
| Core capital (leverage) ratio | 8.6831% | 5,225 |
| Tier 1 risk-based capital ratio | 9.2078% | 7,605 |
| Total risk-based capital ratio | 10.4591% | 7,557 |
| Memoranda: |
| Average total assets | $1,117,905,200 | 595 |
| Average earning assets | $1,055,601,800 | 576 |
| Average equity | $97,626,200 | 684 |
| Average total loans | $941,882,600 | 519 |
