Home > Farmers and Merchants Bank of Long Beach > Performance and Condition Ratios
Farmers and Merchants Bank of Long Beach, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,382 |
| Cost of funding earning assets | 1.2962% | 2,528 |
| Net interest margin | 2.2382% | 4,293 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.6239% | 4,224 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.5753% | 3,503 |
| Return on assets (ROA) | 0.5753% | 3,493 |
| Pretax return on assets | 0.6733% | 3,492 |
| Return on Equity (ROE) | 5.2700% | 3,676 |
| Retained earnings to average equity (ytd only) | 4.0959% | 2,924 |
| Net charge-offs to loans | 0.0059% | 2,481 |
| Credit loss provision to net charge-offs | -173.6973% | 4,497 |
| Earnings coverage of net charge-offs (x) | 194.3722% | 595 |
| Efficiency ratio | 71.6132% | 1,700 |
| Assets per employee ($millions) | 15.2353% | 200 |
| Cash dividends to net income (ytd only)* | 22.3492% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,195 |
| Loan loss allowance to noncurrent loans | 264.4874% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 1,725 |
| Noncurrent loans to loans | 0.5488% | 1,430 |
| Net loans and leases to total assets | 55.2300% | 3,259 |
| Net loans and leases to deposits | 76.6642% | 2,382 |
| Net loans and leases to core deposits | 83.0533% | 2,518 |
| Total domestic deposits to total assets | 72.0400% | 4,231 |
| Equity capital to assets | 11.2285% | 1,396 |
| Core capital (leverage) ratio | 11.0062% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5147% | 993 |
| Memoranda: | ||
| Average total assets | $12,168,931,400 | 143 |
| Average earning assets | $11,761,899,600 | 133 |
| Average equity | $1,327,192,200 | 132 |
| Average total loans | $6,784,614,400 | 164 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 4,396 |
| Cost of funding earning assets | 1.2065% | 2,412 |
| Net interest margin | 2.2705% | 4,315 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.6250% | 4,212 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.6246% | 3,483 |
| Return on assets (ROA) | 0.6246% | 3,479 |
| Pretax return on assets | 0.7130% | 3,525 |
| Return on Equity (ROE) | 5.7700% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.7239% | 3,033 |
| Net charge-offs to loans | 0.0077% | 2,128 |
| Credit loss provision to net charge-offs | -459.1837% | 4,571 |
| Earnings coverage of net charge-offs (x) | 157.2755% | 705 |
| Efficiency ratio | 70.6931% | 1,707 |
| Assets per employee ($millions) | 15.8578% | 169 |
| Cash dividends to net income (ytd only)* | 18.1091% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,353 |
| Loan loss allowance to noncurrent loans | 268.4897% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 1,846 |
| Noncurrent loans to loans | 0.5305% | 1,497 |
| Net loans and leases to total assets | 53.7600% | 3,377 |
| Net loans and leases to deposits | 73.9953% | 2,562 |
| Net loans and leases to core deposits | 79.5749% | 2,632 |
| Total domestic deposits to total assets | 72.6500% | 4,230 |
| Equity capital to assets | 10.7299% | 1,463 |
| Core capital (leverage) ratio | 10.7969% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2968% | 1,055 |
| Memoranda: | ||
| Average total assets | $12,202,200,750 | 144 |
| Average earning assets | $11,799,210,750 | 134 |
| Average equity | $1,321,129,000 | 134 |
| Average total loans | $6,794,583,500 | 165 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4111% | 4,412 |
| Cost of funding earning assets | 1.0885% | 2,322 |
| Net interest margin | 2.3226% | 4,348 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.6068% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6566% | 3,442 |
| Return on assets (ROA) | 0.6566% | 3,447 |
| Pretax return on assets | 0.7429% | 3,517 |
| Return on Equity (ROE) | 6.0500% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.9967% | 2,938 |
| Net charge-offs to loans | 0.0042% | 2,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 314.6783% | 434 |
| Efficiency ratio | 68.3836% | 1,938 |
| Assets per employee ($millions) | 15.7689% | 167 |
| Cash dividends to net income (ytd only)* | 17.3514% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,347 |
| Loan loss allowance to noncurrent loans | 1,019.1753% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 2,979 |
| Noncurrent loans to loans | 0.1424% | 2,757 |
| Net loans and leases to total assets | 54.7200% | 3,214 |
| Net loans and leases to deposits | 75.4689% | 2,367 |
| Net loans and leases to core deposits | 81.2671% | 2,391 |
| Total domestic deposits to total assets | 72.5000% | 4,273 |
| Equity capital to assets | 10.7992% | 1,464 |
| Core capital (leverage) ratio | 10.8602% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9305% | 1,136 |
| Memoranda: | ||
| Average total assets | $12,114,858,000 | 140 |
| Average earning assets | $11,712,746,667 | 134 |
| Average equity | $1,315,706,667 | 131 |
| Average total loans | $6,793,602,333 | 160 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3484% | 4,410 |
| Cost of funding earning assets | 0.9101% | 2,341 |
| Net interest margin | 2.4383% | 4,355 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.5754% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7185% | 3,424 |
| Return on assets (ROA) | 0.7185% | 3,379 |
| Pretax return on assets | 0.8759% | 3,298 |
| Return on Equity (ROE) | 6.6000% | 3,617 |
| Retained earnings to average equity (ytd only) | 5.5445% | 2,876 |
| Net charge-offs to loans | -0.0025% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.2688% | 2,424 |
| Assets per employee ($millions) | 15.2947% | 194 |
| Cash dividends to net income (ytd only)* | 15.9545% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,427 |
| Loan loss allowance to noncurrent loans | 1,051.5554% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,011 |
| Noncurrent loans to loans | 0.1381% | 2,806 |
| Net loans and leases to total assets | 55.8900% | 3,046 |
| Net loans and leases to deposits | 74.9144% | 2,223 |
| Net loans and leases to core deposits | 80.2865% | 2,235 |
| Total domestic deposits to total assets | 74.6100% | 4,256 |
| Equity capital to assets | 10.8901% | 1,382 |
| Core capital (leverage) ratio | 10.8729% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6329% | 1,226 |
| Memoranda: | ||
| Average total assets | $12,038,179,500 | 143 |
| Average earning assets | $11,633,951,000 | 138 |
| Average equity | $1,311,125,500 | 134 |
| Average total loans | $6,784,597,000 | 167 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9820% | 4,155 |
| Cost of funding earning assets | 0.2736% | 3,116 |
| Net interest margin | 2.7084% | 4,044 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.5749% | 4,336 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9261% | 2,861 |
| Return on assets (ROA) | 0.9263% | 2,799 |
| Pretax return on assets | 1.1496% | 2,607 |
| Return on Equity (ROE) | 8.5400% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.3038% | 2,103 |
| Net charge-offs to loans | -0.0020% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.1887% | 3,442 |
| Assets per employee ($millions) | 15.3956% | 187 |
| Cash dividends to net income (ytd only)* | 14.4630% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 2,726 |
| Loan loss allowance to noncurrent loans | 2,382.5288% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,554 |
| Noncurrent loans to loans | 0.0476% | 3,412 |
| Net loans and leases to total assets | 55.3700% | 3,089 |
| Net loans and leases to deposits | 73.0048% | 2,328 |
| Net loans and leases to core deposits | 77.6299% | 2,308 |
| Total domestic deposits to total assets | 75.8400% | 4,263 |
| Equity capital to assets | 10.8927% | 1,303 |
| Core capital (leverage) ratio | 10.9090% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3714% | 1,275 |
| Memoranda: | ||
| Average total assets | $11,767,177,200 | 145 |
| Average earning assets | $11,414,621,000 | 138 |
| Average equity | $1,276,553,400 | 140 |
| Average total loans | $6,001,021,600 | 170 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8704% | 4,094 |
| Cost of funding earning assets | 0.1482% | 3,861 |
| Net interest margin | 2.7222% | 3,883 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.5458% | 4,370 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9522% | 2,657 |
| Return on assets (ROA) | 0.9526% | 2,625 |
| Pretax return on assets | 1.1906% | 2,406 |
| Return on Equity (ROE) | 8.7900% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.6889% | 2,118 |
| Net charge-offs to loans | -0.0024% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.6880% | 3,650 |
| Assets per employee ($millions) | 15.4832% | 184 |
| Cash dividends to net income (ytd only)* | 12.5268% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 2,621 |
| Loan loss allowance to noncurrent loans | 1,403.9097% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,445 |
| Noncurrent loans to loans | 0.0842% | 3,276 |
| Net loans and leases to total assets | 53.5500% | 3,141 |
| Net loans and leases to deposits | 68.3651% | 2,507 |
| Net loans and leases to core deposits | 71.3988% | 2,538 |
| Total domestic deposits to total assets | 78.3300% | 4,233 |
| Equity capital to assets | 10.8331% | 1,238 |
| Core capital (leverage) ratio | 11.1085% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6138% | 1,256 |
| Memoranda: | ||
| Average total assets | $11,695,285,500 | 147 |
| Average earning assets | $11,354,459,000 | 141 |
| Average equity | $1,267,421,250 | 145 |
| Average total loans | $5,813,536,500 | 169 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7733% | 4,022 |
| Cost of funding earning assets | 0.1011% | 4,178 |
| Net interest margin | 2.6722% | 3,760 |
| Noninterest income to average assets | 0.1382% | 4,324 |
| Noninterest expense to average assets | 1.5301% | 4,383 |
| Loan and lease loss provision to assets | -0.0172% | 4,419 |
| Net operating income to assets | 0.9802% | 2,232 |
| Return on assets (ROA) | 0.9802% | 2,205 |
| Pretax return on assets | 1.2214% | 2,001 |
| Return on Equity (ROE) | 9.0440% | 2,687 |
| Retained earnings to average equity (ytd only) | 7.9322% | 1,644 |
| Net charge-offs to loans | 0.0028% | 1,975 |
| Credit loss provision to net charge-offs | -1,265.8228% | 3,603 |
| Earnings coverage of net charge-offs (x) | 885.2025% | 152 |
| Efficiency ratio | 55.9601% | 3,778 |
| Assets per employee ($millions) | 15.4775% | 184 |
| Cash dividends to net income (ytd only)* | 12.2936% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,557 |
| Loan loss allowance to noncurrent loans | 998.3454% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,275 |
| Noncurrent loans to loans | 0.1229% | 3,111 |
| Net loans and leases to total assets | 49.2856% | 3,442 |
| Net loans and leases to deposits | 61.1103% | 2,966 |
| Net loans and leases to core deposits | 63.6245% | 3,000 |
| Total domestic deposits to total assets | 80.6503% | 4,174 |
| Equity capital to assets | 10.8732% | 1,271 |
| Core capital (leverage) ratio | 10.9361% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0668% | 1,171 |
| Memoranda: | ||
| Average total assets | $11,614,538,000 | 146 |
| Average earning assets | $11,283,973,333 | 139 |
| Average equity | $1,258,825,000 | 146 |
| Average total loans | $5,595,114,333 | 172 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6767% | 3,989 |
| Cost of funding earning assets | 0.0947% | 4,201 |
| Net interest margin | 2.5820% | 3,702 |
| Noninterest income to average assets | 0.1436% | 4,295 |
| Noninterest expense to average assets | 1.4809% | 4,448 |
| Loan and lease loss provision to assets | -0.0346% | 4,490 |
| Net operating income to assets | 0.9635% | 2,022 |
| Return on assets (ROA) | 0.9635% | 2,019 |
| Pretax return on assets | 1.2111% | 1,766 |
| Return on Equity (ROE) | 8.9042% | 2,351 |
| Retained earnings to average equity (ytd only) | 7.7801% | 1,646 |
| Net charge-offs to loans | -0.0011% | 3,023 |
| Credit loss provision to net charge-offs | 6,666.6667% | 66 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7273% | 3,906 |
| Assets per employee ($millions) | 15.3395% | 190 |
| Cash dividends to net income (ytd only)* | 12.6244% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 2,293 |
| Loan loss allowance to noncurrent loans | 886.9356% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,291 |
| Noncurrent loans to loans | 0.1480% | 3,066 |
| Net loans and leases to total assets | 46.3054% | 3,549 |
| Net loans and leases to deposits | 57.7553% | 3,100 |
| Net loans and leases to core deposits | 60.2461% | 3,123 |
| Total domestic deposits to total assets | 80.1752% | 4,274 |
| Equity capital to assets | 10.7875% | 1,449 |
| Core capital (leverage) ratio | 10.9058% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6748% | 941 |
| Memoranda: | ||
| Average total assets | $11,555,826,500 | 147 |
| Average earning assets | $11,250,960,500 | 141 |
| Average equity | $1,250,415,500 | 148 |
| Average total loans | $5,465,685,500 | 176 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9475% | 3,972 |
| Cost of funding earning assets | 0.1172% | 4,254 |
| Net interest margin | 2.8303% | 3,601 |
| Noninterest income to average assets | 0.1713% | 4,298 |
| Noninterest expense to average assets | 1.5744% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0720% | 2,403 |
| Return on assets (ROA) | 1.0720% | 2,477 |
| Pretax return on assets | 1.3448% | 2,220 |
| Return on Equity (ROE) | 9.6680% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.3677% | 1,398 |
| Net charge-offs to loans | -0.0112% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9323% | 3,935 |
| Assets per employee ($millions) | 15.2714% | 196 |
| Cash dividends to net income (ytd only)* | 13.4491% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,201 |
| Loan loss allowance to noncurrent loans | 625.8480% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 3,158 |
| Noncurrent loans to loans | 0.2135% | 2,889 |
| Net loans and leases to total assets | 47.0454% | 3,595 |
| Net loans and leases to deposits | 58.2285% | 3,233 |
| Net loans and leases to core deposits | 60.9625% | 3,248 |
| Total domestic deposits to total assets | 80.7945% | 4,127 |
| Equity capital to assets | 10.8545% | 1,897 |
| Core capital (leverage) ratio | 10.8764% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6277% | 945 |
| Memoranda: | ||
| Average total assets | $10,746,848,200 | 153 |
| Average earning assets | $10,434,000,000 | 149 |
| Average equity | $1,191,613,400 | 153 |
| Average total loans | $5,463,172,200 | 180 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0072% | 3,985 |
| Cost of funding earning assets | 0.1231% | 4,323 |
| Net interest margin | 2.8841% | 3,591 |
| Noninterest income to average assets | 0.1640% | 4,381 |
| Noninterest expense to average assets | 1.5750% | 4,498 |
| Loan and lease loss provision to assets | 0.0126% | 2,739 |
| Net operating income to assets | 1.0873% | 2,605 |
| Return on assets (ROA) | 1.0873% | 2,656 |
| Pretax return on assets | 1.3741% | 2,425 |
| Return on Equity (ROE) | 9.7501% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.5949% | 1,839 |
| Net charge-offs to loans | -0.0150% | 3,849 |
| Credit loss provision to net charge-offs | -162.8664% | 3,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1801% | 3,906 |
| Assets per employee ($millions) | 15.0685% | 204 |
| Cash dividends to net income (ytd only)* | 11.8490% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 2,109 |
| Loan loss allowance to noncurrent loans | 596.7851% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 3,330 |
| Noncurrent loans to loans | 0.2311% | 3,013 |
| Net loans and leases to total assets | 46.8064% | 3,731 |
| Net loans and leases to deposits | 59.0428% | 3,322 |
| Net loans and leases to core deposits | 62.0790% | 3,316 |
| Total domestic deposits to total assets | 79.2754% | 4,320 |
| Equity capital to assets | 10.7742% | 2,191 |
| Core capital (leverage) ratio | 11.2505% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8546% | 988 |
| Memoranda: | ||
| Average total assets | $10,573,995,250 | 155 |
| Average earning assets | $10,257,351,750 | 149 |
| Average equity | $1,179,126,250 | 152 |
| Average total loans | $5,465,450,500 | 182 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0278% | 3,991 |
| Cost of funding earning assets | 0.1294% | 4,357 |
| Net interest margin | 2.8984% | 3,579 |
| Noninterest income to average assets | 0.1689% | 4,360 |
| Noninterest expense to average assets | 1.5795% | 4,539 |
| Loan and lease loss provision to assets | 0.0387% | 2,220 |
| Net operating income to assets | 1.0778% | 2,614 |
| Return on assets (ROA) | 1.0778% | 2,684 |
| Pretax return on assets | 1.3601% | 2,438 |
| Return on Equity (ROE) | 9.5482% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.3784% | 1,949 |
| Net charge-offs to loans | 0.0035% | 2,048 |
| Credit loss provision to net charge-offs | 2,105.2632% | 279 |
| Earnings coverage of net charge-offs (x) | 760.9789% | 184 |
| Efficiency ratio | 53.0345% | 3,930 |
| Assets per employee ($millions) | 13.9845% | 234 |
| Cash dividends to net income (ytd only)* | 12.2518% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,155 |
| Loan loss allowance to noncurrent loans | 557.8939% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 3,347 |
| Noncurrent loans to loans | 0.2438% | 3,077 |
| Net loans and leases to total assets | 50.3506% | 3,525 |
| Net loans and leases to deposits | 64.2565% | 2,972 |
| Net loans and leases to core deposits | 67.9425% | 2,965 |
| Total domestic deposits to total assets | 78.3588% | 4,404 |
| Equity capital to assets | 11.1524% | 1,871 |
| Core capital (leverage) ratio | 11.9333% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9596% | 970 |
| Memoranda: | ||
| Average total assets | $10,336,567,000 | 155 |
| Average earning assets | $10,019,240,000 | 148 |
| Average equity | $1,166,831,667 | 152 |
| Average total loans | $5,501,740,000 | 183 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0016% | 4,082 |
| Cost of funding earning assets | 0.1375% | 4,396 |
| Net interest margin | 2.8640% | 3,607 |
| Noninterest income to average assets | 0.1670% | 4,365 |
| Noninterest expense to average assets | 1.6156% | 4,509 |
| Loan and lease loss provision to assets | 0.0787% | 1,628 |
| Net operating income to assets | 0.9948% | 2,823 |
| Return on assets (ROA) | 0.9948% | 2,918 |
| Pretax return on assets | 1.2478% | 2,703 |
| Return on Equity (ROE) | 8.7572% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.5729% | 2,392 |
| Net charge-offs to loans | 0.0069% | 1,650 |
| Credit loss provision to net charge-offs | 2,083.3333% | 241 |
| Earnings coverage of net charge-offs (x) | 351.0625% | 265 |
| Efficiency ratio | 54.9131% | 3,681 |
| Assets per employee ($millions) | 13.7913% | 247 |
| Cash dividends to net income (ytd only)* | 13.5232% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,359 |
| Loan loss allowance to noncurrent loans | 943.1714% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 3,775 |
| Noncurrent loans to loans | 0.1397% | 3,621 |
| Net loans and leases to total assets | 53.1423% | 3,329 |
| Net loans and leases to deposits | 67.4007% | 2,767 |
| Net loans and leases to core deposits | 71.3427% | 2,760 |
| Total domestic deposits to total assets | 78.8453% | 4,347 |
| Equity capital to assets | 11.1454% | 1,757 |
| Core capital (leverage) ratio | 12.1843% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2249% | 890 |
| Memoranda: | ||
| Average total assets | $10,162,777,000 | 155 |
| Average earning assets | $9,847,082,000 | 148 |
| Average equity | $1,154,477,500 | 154 |
| Average total loans | $5,525,755,500 | 182 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3303% | 4,287 |
| Cost of funding earning assets | 0.2894% | 4,203 |
| Net interest margin | 3.0409% | 3,784 |
| Noninterest income to average assets | 0.1924% | 4,325 |
| Noninterest expense to average assets | 1.9295% | 4,266 |
| Loan and lease loss provision to assets | 0.1178% | 2,885 |
| Net operating income to assets | 0.8955% | 2,721 |
| Return on assets (ROA) | 0.8955% | 2,853 |
| Pretax return on assets | 1.0794% | 2,770 |
| Return on Equity (ROE) | 7.1529% | 3,146 |
| Retained earnings to average equity (ytd only) | 5.7439% | 1,932 |
| Net charge-offs to loans | 0.0145% | 2,832 |
| Credit loss provision to net charge-offs | 1,454.2936% | 575 |
| Earnings coverage of net charge-offs (x) | 147.7701% | 587 |
| Efficiency ratio | 61.7113% | 3,185 |
| Assets per employee ($millions) | 12.8539% | 272 |
| Cash dividends to net income (ytd only)* | 19.6977% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 2,264 |
| Loan loss allowance to noncurrent loans | 1,192.7216% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,985 |
| Noncurrent loans to loans | 0.1117% | 3,841 |
| Net loans and leases to total assets | 54.1918% | 3,472 |
| Net loans and leases to deposits | 70.2278% | 2,861 |
| Net loans and leases to core deposits | 74.6491% | 2,852 |
| Total domestic deposits to total assets | 77.1657% | 4,396 |
| Equity capital to assets | 11.5870% | 1,819 |
| Core capital (leverage) ratio | 12.4104% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5749% | 826 |
| Memoranda: | ||
| Average total assets | $8,911,831,800 | 163 |
| Average earning assets | $8,599,412,600 | 154 |
| Average equity | $1,115,652,800 | 155 |
| Average total loans | $4,968,341,800 | 188 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 4,320 |
| Cost of funding earning assets | 0.3265% | 4,179 |
| Net interest margin | 3.0981% | 3,747 |
| Noninterest income to average assets | 0.1842% | 4,373 |
| Noninterest expense to average assets | 1.9619% | 4,232 |
| Loan and lease loss provision to assets | 0.1307% | 2,717 |
| Net operating income to assets | 0.8985% | 2,715 |
| Return on assets (ROA) | 0.8985% | 2,829 |
| Pretax return on assets | 1.0782% | 2,817 |
| Return on Equity (ROE) | 7.0282% | 3,184 |
| Retained earnings to average equity (ytd only) | 5.7788% | 2,191 |
| Net charge-offs to loans | -0.0005% | 3,776 |
| Credit loss provision to net charge-offs | -50,000.0000% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8745% | 3,097 |
| Assets per employee ($millions) | 12.6740% | 284 |
| Cash dividends to net income (ytd only)* | 17.7778% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,063 |
| Loan loss allowance to noncurrent loans | 1,319.0600% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 4,112 |
| Noncurrent loans to loans | 0.1005% | 3,971 |
| Net loans and leases to total assets | 54.6089% | 3,745 |
| Net loans and leases to deposits | 71.2504% | 3,203 |
| Net loans and leases to core deposits | 76.0167% | 3,162 |
| Total domestic deposits to total assets | 76.6436% | 4,367 |
| Equity capital to assets | 11.6997% | 1,878 |
| Core capital (leverage) ratio | 12.6940% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3774% | 744 |
| Memoranda: | ||
| Average total assets | $8,671,845,250 | 164 |
| Average earning assets | $8,359,804,500 | 156 |
| Average equity | $1,108,605,500 | 155 |
| Average total loans | $4,854,937,250 | 186 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5881% | 4,279 |
| Cost of funding earning assets | 0.3663% | 4,194 |
| Net interest margin | 3.2218% | 3,606 |
| Noninterest income to average assets | 0.1752% | 4,414 |
| Noninterest expense to average assets | 2.0305% | 4,169 |
| Loan and lease loss provision to assets | 0.1320% | 2,699 |
| Net operating income to assets | 0.9256% | 2,606 |
| Return on assets (ROA) | 0.9256% | 2,727 |
| Pretax return on assets | 1.1144% | 2,668 |
| Return on Equity (ROE) | 7.0102% | 3,126 |
| Retained earnings to average equity (ytd only) | 5.7489% | 2,177 |
| Net charge-offs to loans | 0.0035% | 2,858 |
| Credit loss provision to net charge-offs | 6,707.3171% | 173 |
| Earnings coverage of net charge-offs (x) | 633.4390% | 161 |
| Efficiency ratio | 61.9643% | 3,133 |
| Assets per employee ($millions) | 12.3506% | 298 |
| Cash dividends to net income (ytd only)* | 17.9914% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 1,982 |
| Loan loss allowance to noncurrent loans | 741.8287% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 4,046 |
| Noncurrent loans to loans | 0.1758% | 3,743 |
| Net loans and leases to total assets | 54.3899% | 3,840 |
| Net loans and leases to deposits | 71.0893% | 3,341 |
| Net loans and leases to core deposits | 75.7646% | 3,303 |
| Total domestic deposits to total assets | 76.5092% | 4,377 |
| Equity capital to assets | 11.8409% | 1,762 |
| Core capital (leverage) ratio | 13.0290% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6438% | 710 |
| Memoranda: | ||
| Average total assets | $8,334,825,333 | 168 |
| Average earning assets | $8,024,029,000 | 160 |
| Average equity | $1,100,518,000 | 156 |
| Average total loans | $4,687,005,000 | 189 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 4,383 |
| Cost of funding earning assets | 0.4280% | 4,243 |
| Net interest margin | 3.2781% | 3,648 |
| Noninterest income to average assets | 0.1933% | 4,394 |
| Noninterest expense to average assets | 2.2008% | 4,003 |
| Loan and lease loss provision to assets | 0.0411% | 3,259 |
| Net operating income to assets | 0.9228% | 2,446 |
| Return on assets (ROA) | 0.9228% | 2,553 |
| Pretax return on assets | 1.0982% | 2,529 |
| Return on Equity (ROE) | 6.5769% | 3,106 |
| Retained earnings to average equity (ytd only) | 5.3051% | 2,152 |
| Net charge-offs to loans | -0.0153% | 4,223 |
| Credit loss provision to net charge-offs | -473.3728% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8902% | 2,981 |
| Assets per employee ($millions) | 10.4615% | 333 |
| Cash dividends to net income (ytd only)* | 19.3369% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,580 |
| Loan loss allowance to noncurrent loans | 1,252.8529% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 4,285 |
| Noncurrent loans to loans | 0.1143% | 4,065 |
| Net loans and leases to total assets | 54.9478% | 3,916 |
| Net loans and leases to deposits | 70.6375% | 3,548 |
| Net loans and leases to core deposits | 76.0530% | 3,488 |
| Total domestic deposits to total assets | 77.7884% | 4,252 |
| Equity capital to assets | 13.8342% | 1,113 |
| Core capital (leverage) ratio | 14.0795% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9021% | 756 |
| Memoranda: | ||
| Average total assets | $7,778,143,500 | 172 |
| Average earning assets | $7,466,731,500 | 165 |
| Average equity | $1,091,400,000 | 156 |
| Average total loans | $4,427,125,500 | 198 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 4,416 |
| Cost of funding earning assets | 0.4595% | 4,239 |
| Net interest margin | 3.4518% | 3,586 |
| Noninterest income to average assets | 0.2174% | 4,361 |
| Noninterest expense to average assets | 2.1499% | 4,270 |
| Loan and lease loss provision to assets | 0.0033% | 3,935 |
| Net operating income to assets | 1.1435% | 2,279 |
| Return on assets (ROA) | 1.1435% | 2,376 |
| Pretax return on assets | 1.3734% | 2,255 |
| Return on Equity (ROE) | 8.1191% | 3,118 |
| Retained earnings to average equity (ytd only) | 6.6134% | 1,559 |
| Net charge-offs to loans | 0.0048% | 3,502 |
| Credit loss provision to net charge-offs | 118.4834% | 2,137 |
| Earnings coverage of net charge-offs (x) | 488.2749% | 192 |
| Efficiency ratio | 60.9618% | 3,541 |
| Assets per employee ($millions) | 9.9419% | 363 |
| Cash dividends to net income (ytd only)* | 18.5446% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,479 |
| Loan loss allowance to noncurrent loans | 1,240.5996% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 4,291 |
| Noncurrent loans to loans | 0.1139% | 4,076 |
| Net loans and leases to total assets | 57.3206% | 3,823 |
| Net loans and leases to deposits | 74.8003% | 3,280 |
| Net loans and leases to core deposits | 79.4444% | 3,347 |
| Total domestic deposits to total assets | 76.6315% | 4,528 |
| Equity capital to assets | 14.2380% | 1,025 |
| Core capital (leverage) ratio | 13.9948% | 929 |
| Tier 1 risk-based capital ratio | 19.4182% | 1,433 |
| Total risk-based capital ratio | 20.6403% | 1,403 |
| Memoranda: | ||
| Average total assets | $7,483,211,200 | 169 |
| Average earning assets | $7,174,202,800 | 161 |
| Average equity | $1,053,964,800 | 156 |
| Average total loans | $4,359,780,000 | 191 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 4,495 |
| Cost of funding earning assets | 0.4586% | 4,304 |
| Net interest margin | 3.4696% | 3,664 |
| Noninterest income to average assets | 0.2191% | 4,418 |
| Noninterest expense to average assets | 2.0957% | 4,370 |
| Loan and lease loss provision to assets | 0.0045% | 3,782 |
| Net operating income to assets | 1.1971% | 2,199 |
| Return on assets (ROA) | 1.1971% | 2,282 |
| Pretax return on assets | 1.4451% | 2,138 |
| Return on Equity (ROE) | 8.5233% | 3,100 |
| Retained earnings to average equity (ytd only) | 7.1897% | 1,764 |
| Net charge-offs to loans | 0.0057% | 3,189 |
| Credit loss provision to net charge-offs | 135.1351% | 1,766 |
| Earnings coverage of net charge-offs (x) | 437.9685% | 224 |
| Efficiency ratio | 59.1129% | 3,789 |
| Assets per employee ($millions) | 9.9699% | 357 |
| Cash dividends to net income (ytd only)* | 15.6469% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 1,486 |
| Loan loss allowance to noncurrent loans | 2,163.1488% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,531 |
| Noncurrent loans to loans | 0.0659% | 4,343 |
| Net loans and leases to total assets | 56.9222% | 3,972 |
| Net loans and leases to deposits | 73.9309% | 3,481 |
| Net loans and leases to core deposits | 78.6389% | 3,496 |
| Total domestic deposits to total assets | 76.9938% | 4,515 |
| Equity capital to assets | 14.0610% | 1,128 |
| Core capital (leverage) ratio | 14.0450% | 973 |
| Tier 1 risk-based capital ratio | 19.4572% | 1,467 |
| Total risk-based capital ratio | 20.7046% | 1,440 |
| Memoranda: | ||
| Average total assets | $7,452,621,750 | 169 |
| Average earning assets | $7,144,484,500 | 162 |
| Average equity | $1,046,736,000 | 160 |
| Average total loans | $4,344,212,500 | 192 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 4,550 |
| Cost of funding earning assets | 0.4452% | 4,341 |
| Net interest margin | 3.4570% | 3,721 |
| Noninterest income to average assets | 0.2177% | 4,443 |
| Noninterest expense to average assets | 2.0591% | 4,497 |
| Loan and lease loss provision to assets | 0.0068% | 3,596 |
| Net operating income to assets | 1.1906% | 2,184 |
| Return on assets (ROA) | 1.1906% | 2,242 |
| Pretax return on assets | 1.4682% | 1,961 |
| Return on Equity (ROE) | 8.4802% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.1335% | 1,745 |
| Net charge-offs to loans | 0.0024% | 3,088 |
| Credit loss provision to net charge-offs | 480.7692% | 623 |
| Earnings coverage of net charge-offs (x) | 1,050.1346% | 65 |
| Efficiency ratio | 58.2640% | 3,975 |
| Assets per employee ($millions) | 9.8052% | 351 |
| Cash dividends to net income (ytd only)* | 15.8806% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,480 |
| Loan loss allowance to noncurrent loans | 405.8827% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 3,700 |
| Noncurrent loans to loans | 0.3530% | 3,283 |
| Net loans and leases to total assets | 57.2322% | 3,986 |
| Net loans and leases to deposits | 75.2803% | 3,393 |
| Net loans and leases to core deposits | 80.0552% | 3,418 |
| Total domestic deposits to total assets | 76.0255% | 4,663 |
| Equity capital to assets | 13.9325% | 1,141 |
| Core capital (leverage) ratio | 13.9791% | 965 |
| Tier 1 risk-based capital ratio | 18.6553% | 1,633 |
| Total risk-based capital ratio | 19.8753% | 1,598 |
| Memoranda: | ||
| Average total assets | $7,404,469,000 | 170 |
| Average earning assets | $7,103,193,670 | 163 |
| Average equity | $1,039,572,670 | 160 |
| Average total loans | $4,329,970,000 | 193 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 4,575 |
| Cost of funding earning assets | 0.4216% | 4,395 |
| Net interest margin | 3.4638% | 3,706 |
| Noninterest income to average assets | 0.2122% | 4,470 |
| Noninterest expense to average assets | 2.0270% | 4,593 |
| Loan and lease loss provision to assets | 0.0136% | 3,259 |
| Net operating income to assets | 1.2169% | 2,000 |
| Return on assets (ROA) | 1.2169% | 2,048 |
| Pretax return on assets | 1.4930% | 1,795 |
| Return on Equity (ROE) | 8.6334% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.2723% | 1,944 |
| Net charge-offs to loans | -0.0013% | 3,820 |
| Credit loss provision to net charge-offs | -1,785.7143% | 4,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3631% | 4,160 |
| Assets per employee ($millions) | 9.9257% | 349 |
| Cash dividends to net income (ytd only)* | 15.7652% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 1,523 |
| Loan loss allowance to noncurrent loans | 439.2967% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 3,758 |
| Noncurrent loans to loans | 0.3287% | 3,391 |
| Net loans and leases to total assets | 58.0343% | 3,887 |
| Net loans and leases to deposits | 75.5223% | 3,303 |
| Net loans and leases to core deposits | 80.3752% | 3,328 |
| Total domestic deposits to total assets | 76.8438% | 4,668 |
| Equity capital to assets | 14.1248% | 996 |
| Core capital (leverage) ratio | 14.2259% | 891 |
| Tier 1 risk-based capital ratio | 18.7508% | 1,600 |
| Total risk-based capital ratio | 19.9860% | 1,564 |
| Memoranda: | ||
| Average total assets | $7,341,506,500 | 173 |
| Average earning assets | $7,039,989,000 | 164 |
| Average equity | $1,034,774,000 | 162 |
| Average total loans | $4,308,724,500 | 194 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 4,560 |
| Cost of funding earning assets | 0.3165% | 4,490 |
| Net interest margin | 3.4504% | 3,857 |
| Noninterest income to average assets | 0.3714% | 3,610 |
| Noninterest expense to average assets | 2.1503% | 4,446 |
| Loan and lease loss provision to assets | 0.0347% | 3,502 |
| Net operating income to assets | 1.1895% | 2,225 |
| Return on assets (ROA) | 1.1895% | 2,222 |
| Pretax return on assets | 1.5088% | 1,751 |
| Return on Equity (ROE) | 8.6168% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.0227% | 1,661 |
| Net charge-offs to loans | -0.0110% | 4,518 |
| Credit loss provision to net charge-offs | -558.0357% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2142% | 4,130 |
| Assets per employee ($millions) | 9.8229% | 359 |
| Cash dividends to net income (ytd only)* | 18.4992% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 1,414 |
| Loan loss allowance to noncurrent loans | 438.9541% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 3,732 |
| Noncurrent loans to loans | 0.3328% | 3,360 |
| Net loans and leases to total assets | 57.6389% | 4,000 |
| Net loans and leases to deposits | 75.4305% | 3,392 |
| Net loans and leases to core deposits | 80.2940% | 3,407 |
| Total domestic deposits to total assets | 76.4133% | 4,703 |
| Equity capital to assets | 14.0646% | 949 |
| Core capital (leverage) ratio | 14.0363% | 912 |
| Tier 1 risk-based capital ratio | 18.6556% | 1,581 |
| Total risk-based capital ratio | 19.8913% | 1,543 |
| Memoranda: | ||
| Average total assets | $7,199,524,600 | 174 |
| Average earning assets | $6,932,593,600 | 166 |
| Average equity | $993,830,200 | 161 |
| Average total loans | $4,080,223,000 | 202 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7069% | 4,633 |
| Cost of funding earning assets | 0.2970% | 4,544 |
| Net interest margin | 3.4100% | 3,979 |
| Noninterest income to average assets | 0.3733% | 3,644 |
| Noninterest expense to average assets | 2.1281% | 4,491 |
| Loan and lease loss provision to assets | 0.0372% | 3,263 |
| Net operating income to assets | 1.1802% | 2,319 |
| Return on assets (ROA) | 1.1802% | 2,322 |
| Pretax return on assets | 1.4944% | 1,916 |
| Return on Equity (ROE) | 8.5908% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.3684% | 1,946 |
| Net charge-offs to loans | -0.0152% | 4,530 |
| Credit loss provision to net charge-offs | -435.7298% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1496% | 4,097 |
| Assets per employee ($millions) | 9.9175% | 343 |
| Cash dividends to net income (ytd only)* | 14.2297% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,492 |
| Loan loss allowance to noncurrent loans | 425.6440% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 3,951 |
| Noncurrent loans to loans | 0.3427% | 3,426 |
| Net loans and leases to total assets | 57.2644% | 4,108 |
| Net loans and leases to deposits | 74.3323% | 3,564 |
| Net loans and leases to core deposits | 78.8922% | 3,575 |
| Total domestic deposits to total assets | 77.0384% | 4,638 |
| Equity capital to assets | 13.8407% | 1,011 |
| Core capital (leverage) ratio | 13.8646% | 975 |
| Tier 1 risk-based capital ratio | 18.3383% | 1,711 |
| Total risk-based capital ratio | 19.5680% | 1,668 |
| Memoranda: | ||
| Average total assets | $7,172,346,750 | 174 |
| Average earning assets | $6,912,362,750 | 165 |
| Average equity | $985,319,250 | 161 |
| Average total loans | $4,031,569,250 | 202 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 4,684 |
| Cost of funding earning assets | 0.2796% | 4,564 |
| Net interest margin | 3.3707% | 4,045 |
| Noninterest income to average assets | 0.3716% | 3,671 |
| Noninterest expense to average assets | 1.9731% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2018% | 2,192 |
| Return on assets (ROA) | 1.2018% | 2,191 |
| Pretax return on assets | 1.6507% | 1,337 |
| Return on Equity (ROE) | 8.7705% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.5372% | 1,828 |
| Net charge-offs to loans | -0.0177% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4486% | 4,644 |
| Assets per employee ($millions) | 9.8702% | 330 |
| Cash dividends to net income (ytd only)* | 14.0622% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,428 |
| Loan loss allowance to noncurrent loans | 419.4618% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 4,009 |
| Noncurrent loans to loans | 0.3553% | 3,423 |
| Net loans and leases to total assets | 54.3808% | 4,306 |
| Net loans and leases to deposits | 70.7800% | 3,796 |
| Net loans and leases to core deposits | 75.3983% | 3,785 |
| Total domestic deposits to total assets | 76.8307% | 4,753 |
| Equity capital to assets | 13.6713% | 1,035 |
| Core capital (leverage) ratio | 13.8648% | 943 |
| Tier 1 risk-based capital ratio | 18.8600% | 1,587 |
| Total risk-based capital ratio | 20.0889% | 1,550 |
| Memoranda: | ||
| Average total assets | $7,126,722,670 | 172 |
| Average earning assets | $6,876,255,670 | 163 |
| Average equity | $976,544,330 | 160 |
| Average total loans | $3,959,578,330 | 203 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 4,641 |
| Cost of funding earning assets | 0.2563% | 4,673 |
| Net interest margin | 3.3724% | 3,976 |
| Noninterest income to average assets | 0.3509% | 3,801 |
| Noninterest expense to average assets | 1.9655% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1929% | 2,037 |
| Return on assets (ROA) | 1.1929% | 2,052 |
| Pretax return on assets | 1.6390% | 1,274 |
| Return on Equity (ROE) | 8.6952% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.4504% | 2,078 |
| Net charge-offs to loans | -0.0006% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5283% | 4,742 |
| Assets per employee ($millions) | 9.9361% | 333 |
| Cash dividends to net income (ytd only)* | 14.3156% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 1,450 |
| Loan loss allowance to noncurrent loans | 398.8739% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 4,045 |
| Noncurrent loans to loans | 0.3773% | 3,432 |
| Net loans and leases to total assets | 54.7492% | 4,223 |
| Net loans and leases to deposits | 71.1612% | 3,686 |
| Net loans and leases to core deposits | 75.9310% | 3,674 |
| Total domestic deposits to total assets | 76.9368% | 4,864 |
| Equity capital to assets | 13.7192% | 975 |
| Core capital (leverage) ratio | 13.8034% | 917 |
| Tier 1 risk-based capital ratio | 18.9818% | 1,550 |
| Total risk-based capital ratio | 20.2319% | 1,518 |
| Memoranda: | ||
| Average total assets | $7,052,899,500 | 174 |
| Average earning assets | $6,804,458,500 | 166 |
| Average equity | $967,566,000 | 161 |
| Average total loans | $3,931,510,500 | 204 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5568% | 4,678 |
| Cost of funding earning assets | 0.2136% | 4,840 |
| Net interest margin | 3.3433% | 4,030 |
| Noninterest income to average assets | 0.3813% | 3,756 |
| Noninterest expense to average assets | 2.2853% | 4,375 |
| Loan and lease loss provision to assets | 0.0143% | 4,004 |
| Net operating income to assets | 0.9266% | 2,566 |
| Return on assets (ROA) | 0.9266% | 2,593 |
| Pretax return on assets | 1.2972% | 2,363 |
| Return on Equity (ROE) | 6.8993% | 3,329 |
| Retained earnings to average equity (ytd only) | 5.2396% | 1,973 |
| Net charge-offs to loans | -0.0440% | 5,152 |
| Credit loss provision to net charge-offs | -61.1621% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5380% | 3,675 |
| Assets per employee ($millions) | 9.3595% | 396 |
| Cash dividends to net income (ytd only)* | 24.0566% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 1,330 |
| Loan loss allowance to noncurrent loans | 398.7535% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 4,069 |
| Noncurrent loans to loans | 0.3818% | 3,385 |
| Net loans and leases to total assets | 55.0525% | 4,267 |
| Net loans and leases to deposits | 71.3960% | 3,750 |
| Net loans and leases to core deposits | 76.5929% | 3,695 |
| Total domestic deposits to total assets | 77.1086% | 4,844 |
| Equity capital to assets | 13.7182% | 984 |
| Core capital (leverage) ratio | 13.4520% | 986 |
| Tier 1 risk-based capital ratio | 18.7168% | 1,586 |
| Total risk-based capital ratio | 19.9670% | 1,539 |
| Memoranda: | ||
| Average total assets | $6,989,116,600 | 172 |
| Average earning assets | $6,721,950,200 | 162 |
| Average equity | $938,700,000 | 156 |
| Average total loans | $3,712,834,800 | 202 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5132% | 4,782 |
| Cost of funding earning assets | 0.2064% | 4,922 |
| Net interest margin | 3.3069% | 4,153 |
| Noninterest income to average assets | 0.3946% | 3,725 |
| Noninterest expense to average assets | 2.2485% | 4,421 |
| Loan and lease loss provision to assets | 0.0191% | 3,761 |
| Net operating income to assets | 1.0170% | 2,486 |
| Return on assets (ROA) | 1.0170% | 2,520 |
| Pretax return on assets | 1.3059% | 2,456 |
| Return on Equity (ROE) | 7.6127% | 3,337 |
| Retained earnings to average equity (ytd only) | 6.3225% | 2,049 |
| Net charge-offs to loans | 0.0026% | 3,658 |
| Credit loss provision to net charge-offs | 1,388.8889% | 266 |
| Earnings coverage of net charge-offs (x) | 964.5593% | 105 |
| Efficiency ratio | 62.9212% | 3,725 |
| Assets per employee ($millions) | 10.1944% | 295 |
| Cash dividends to net income (ytd only)* | 16.9477% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,563 |
| Loan loss allowance to noncurrent loans | 438.1396% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 4,401 |
| Noncurrent loans to loans | 0.3404% | 3,728 |
| Net loans and leases to total assets | 51.0203% | 4,644 |
| Net loans and leases to deposits | 64.8341% | 4,333 |
| Net loans and leases to core deposits | 69.2347% | 4,291 |
| Total domestic deposits to total assets | 78.6936% | 4,595 |
| Equity capital to assets | 12.7624% | 1,506 |
| Core capital (leverage) ratio | 13.5622% | 1,006 |
| Tier 1 risk-based capital ratio | 18.9895% | 1,588 |
| Total risk-based capital ratio | 20.2233% | 1,553 |
| Memoranda: | ||
| Average total assets | $6,988,501,250 | 173 |
| Average earning assets | $6,718,076,500 | 162 |
| Average equity | $933,595,000 | 158 |
| Average total loans | $3,663,909,250 | 203 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5505% | 4,632 |
| Cost of funding earning assets | 0.2002% | 4,978 |
| Net interest margin | 3.3503% | 3,946 |
| Noninterest income to average assets | 0.4305% | 3,487 |
| Noninterest expense to average assets | 2.2521% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0732% | 2,112 |
| Return on assets (ROA) | 1.0732% | 2,158 |
| Pretax return on assets | 1.3944% | 2,046 |
| Return on Equity (ROE) | 7.9044% | 3,084 |
| Retained earnings to average equity (ytd only) | 6.6042% | 1,793 |
| Net charge-offs to loans | 0.0073% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 363.1832% | 235 |
| Efficiency ratio | 61.7594% | 4,037 |
| Assets per employee ($millions) | 9.2728% | 380 |
| Cash dividends to net income (ytd only)* | 16.4491% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,481 |
| Loan loss allowance to noncurrent loans | 413.4976% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 4,377 |
| Noncurrent loans to loans | 0.3699% | 3,705 |
| Net loans and leases to total assets | 52.8723% | 4,491 |
| Net loans and leases to deposits | 68.5514% | 4,019 |
| Net loans and leases to core deposits | 74.1559% | 3,930 |
| Total domestic deposits to total assets | 77.1279% | 4,939 |
| Equity capital to assets | 13.6260% | 1,100 |
| Core capital (leverage) ratio | 13.7528% | 923 |
| Tier 1 risk-based capital ratio | 19.1884% | 1,554 |
| Total risk-based capital ratio | 20.4387% | 1,499 |
| Memoranda: | ||
| Average total assets | $6,823,781,330 | 173 |
| Average earning assets | $6,550,318,000 | 165 |
| Average equity | $926,471,000 | 158 |
| Average total loans | $3,593,389,670 | 208 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5332% | 4,596 |
| Cost of funding earning assets | 0.1919% | 5,049 |
| Net interest margin | 3.3413% | 3,874 |
| Noninterest income to average assets | 0.5019% | 2,967 |
| Noninterest expense to average assets | 2.1294% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1901% | 1,526 |
| Return on assets (ROA) | 1.1901% | 1,568 |
| Pretax return on assets | 1.5768% | 1,297 |
| Return on Equity (ROE) | 8.7817% | 2,520 |
| Retained earnings to average equity (ytd only) | 7.4712% | 1,663 |
| Net charge-offs to loans | -0.0097% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4552% | 4,783 |
| Assets per employee ($millions) | 9.4263% | 369 |
| Cash dividends to net income (ytd only)* | 14.9229% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 1,431 |
| Loan loss allowance to noncurrent loans | 436.1951% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 4,486 |
| Noncurrent loans to loans | 0.3623% | 3,792 |
| Net loans and leases to total assets | 51.8988% | 4,527 |
| Net loans and leases to deposits | 67.9416% | 3,997 |
| Net loans and leases to core deposits | 73.7718% | 3,854 |
| Total domestic deposits to total assets | 76.3874% | 5,189 |
| Equity capital to assets | 13.5759% | 1,044 |
| Core capital (leverage) ratio | 13.7222% | 910 |
| Tier 1 risk-based capital ratio | 19.5605% | 1,485 |
| Total risk-based capital ratio | 20.8109% | 1,458 |
| Memoranda: | ||
| Average total assets | $6,781,563,000 | 173 |
| Average earning assets | $6,503,528,000 | 165 |
| Average equity | $919,049,500 | 157 |
| Average total loans | $3,535,450,500 | 211 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 4,456 |
| Cost of funding earning assets | 0.1679% | 5,298 |
| Net interest margin | 3.4543% | 3,609 |
| Noninterest income to average assets | 0.3594% | 4,166 |
| Noninterest expense to average assets | 2.2049% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1150% | 1,840 |
| Return on assets (ROA) | 1.1150% | 1,930 |
| Pretax return on assets | 1.4697% | 1,683 |
| Return on Equity (ROE) | 8.0850% | 2,894 |
| Retained earnings to average equity (ytd only) | 6.3234% | 1,552 |
| Net charge-offs to loans | -0.0058% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0039% | 4,582 |
| Assets per employee ($millions) | 9.4642% | 363 |
| Cash dividends to net income (ytd only)* | 21.7878% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 1,283 |
| Loan loss allowance to noncurrent loans | 3,256.9874% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 5,214 |
| Noncurrent loans to loans | 0.0504% | 5,045 |
| Net loans and leases to total assets | 50.6799% | 4,711 |
| Net loans and leases to deposits | 66.5686% | 4,202 |
| Net loans and leases to core deposits | 72.5268% | 4,051 |
| Total domestic deposits to total assets | 76.1319% | 5,230 |
| Equity capital to assets | 13.5281% | 1,036 |
| Core capital (leverage) ratio | 13.6151% | 930 |
| Tier 1 risk-based capital ratio | 19.5972% | 1,454 |
| Total risk-based capital ratio | 20.8479% | 1,413 |
| Memoranda: | ||
| Average total assets | $6,413,286,600 | 176 |
| Average earning assets | $6,154,863,600 | 164 |
| Average equity | $884,456,200 | 156 |
| Average total loans | $3,401,825,400 | 206 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 4,408 |
| Cost of funding earning assets | 0.1658% | 5,378 |
| Net interest margin | 3.4841% | 3,529 |
| Noninterest income to average assets | 0.3610% | 4,197 |
| Noninterest expense to average assets | 2.0239% | 5,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1320% | 1,872 |
| Return on assets (ROA) | 1.1320% | 1,985 |
| Pretax return on assets | 1.6832% | 1,165 |
| Return on Equity (ROE) | 8.1666% | 2,927 |
| Retained earnings to average equity (ytd only) | 6.7947% | 1,725 |
| Net charge-offs to loans | -0.0069% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5946% | 5,190 |
| Assets per employee ($millions) | 9.4550% | 355 |
| Cash dividends to net income (ytd only)* | 16.7987% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 1,318 |
| Loan loss allowance to noncurrent loans | 2,618.3326% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 5,293 |
| Noncurrent loans to loans | 0.0632% | 5,101 |
| Net loans and leases to total assets | 50.9932% | 4,731 |
| Net loans and leases to deposits | 66.2201% | 4,320 |
| Net loans and leases to core deposits | 72.0990% | 4,153 |
| Total domestic deposits to total assets | 77.0055% | 5,086 |
| Equity capital to assets | 13.5810% | 1,204 |
| Core capital (leverage) ratio | 13.8052% | 905 |
| Tier 1 risk-based capital ratio | 19.8572% | 1,471 |
| Total risk-based capital ratio | 21.1082% | 1,439 |
| Memoranda: | ||
| Average total assets | $6,334,343,750 | 178 |
| Average earning assets | $6,083,480,500 | 168 |
| Average equity | $877,992,000 | 159 |
| Average total loans | $3,385,494,750 | 208 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 4,294 |
| Cost of funding earning assets | 0.1635% | 5,466 |
| Net interest margin | 3.5393% | 3,333 |
| Noninterest income to average assets | 0.3594% | 4,196 |
| Noninterest expense to average assets | 2.0386% | 5,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1540% | 1,758 |
| Return on assets (ROA) | 1.1540% | 1,874 |
| Pretax return on assets | 1.7168% | 1,054 |
| Return on Equity (ROE) | 8.2666% | 2,852 |
| Retained earnings to average equity (ytd only) | 6.8830% | 1,675 |
| Net charge-offs to loans | -0.0132% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2843% | 5,288 |
| Assets per employee ($millions) | 8.9989% | 387 |
| Cash dividends to net income (ytd only)* | 16.7375% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 1,449 |
| Loan loss allowance to noncurrent loans | 1,028.6024% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 5,115 |
| Noncurrent loans to loans | 0.1583% | 4,804 |
| Net loans and leases to total assets | 54.2510% | 4,485 |
| Net loans and leases to deposits | 70.8179% | 3,910 |
| Net loans and leases to core deposits | 77.4711% | 3,686 |
| Total domestic deposits to total assets | 76.6063% | 5,206 |
| Equity capital to assets | 13.9816% | 1,034 |
| Core capital (leverage) ratio | 14.1165% | 790 |
| Tier 1 risk-based capital ratio | 19.6847% | 1,526 |
| Total risk-based capital ratio | 20.9359% | 1,487 |
| Memoranda: | ||
| Average total assets | $6,236,484,000 | 179 |
| Average earning assets | $5,983,897,000 | 169 |
| Average equity | $870,609,330 | 158 |
| Average total loans | $3,368,449,330 | 207 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 4,311 |
| Cost of funding earning assets | 0.1597% | 5,545 |
| Net interest margin | 3.5436% | 3,308 |
| Noninterest income to average assets | 0.3676% | 4,093 |
| Noninterest expense to average assets | 2.0245% | 5,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1705% | 1,644 |
| Return on assets (ROA) | 1.1705% | 1,751 |
| Pretax return on assets | 1.7421% | 960 |
| Return on Equity (ROE) | 8.3913% | 2,706 |
| Retained earnings to average equity (ytd only) | 6.9958% | 1,889 |
| Net charge-offs to loans | -0.0071% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7478% | 5,405 |
| Assets per employee ($millions) | 8.6881% | 443 |
| Cash dividends to net income (ytd only)* | 16.6308% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 1,370 |
| Loan loss allowance to noncurrent loans | 3,262.1622% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 5,462 |
| Noncurrent loans to loans | 0.0522% | 5,280 |
| Net loans and leases to total assets | 52.6784% | 4,564 |
| Net loans and leases to deposits | 68.9005% | 3,966 |
| Net loans and leases to core deposits | 75.5154% | 3,728 |
| Total domestic deposits to total assets | 76.4558% | 5,367 |
| Equity capital to assets | 13.9975% | 983 |
| Core capital (leverage) ratio | 14.1088% | 786 |
| Tier 1 risk-based capital ratio | 19.8858% | 1,530 |
| Total risk-based capital ratio | 21.1373% | 1,499 |
| Memoranda: | ||
| Average total assets | $6,187,124,500 | 180 |
| Average earning assets | $5,934,629,000 | 171 |
| Average equity | $863,033,000 | 157 |
| Average total loans | $3,305,773,500 | 208 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,254 |
| Cost of funding earning assets | 0.1377% | 5,771 |
| Net interest margin | 3.5971% | 3,151 |
| Noninterest income to average assets | 0.3918% | 4,093 |
| Noninterest expense to average assets | 2.2550% | 4,909 |
| Loan and lease loss provision to assets | -0.0467% | 5,735 |
| Net operating income to assets | 1.1222% | 1,828 |
| Return on assets (ROA) | 1.1222% | 1,893 |
| Pretax return on assets | 1.6217% | 1,185 |
| Return on Equity (ROE) | 7.7997% | 3,072 |
| Retained earnings to average equity (ytd only) | 5.9285% | 1,834 |
| Net charge-offs to loans | -0.2724% | 6,000 |
| Credit loss provision to net charge-offs | 31.5200% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8756% | 5,041 |
| Assets per employee ($millions) | 8.9054% | 395 |
| Cash dividends to net income (ytd only)* | 23.9900% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 1,289 |
| Loan loss allowance to noncurrent loans | 2,018.1624% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 5,361 |
| Noncurrent loans to loans | 0.0857% | 5,153 |
| Net loans and leases to total assets | 52.3468% | 4,662 |
| Net loans and leases to deposits | 68.6830% | 4,063 |
| Net loans and leases to core deposits | 75.6407% | 3,787 |
| Total domestic deposits to total assets | 76.2150% | 5,420 |
| Equity capital to assets | 13.8997% | 967 |
| Core capital (leverage) ratio | 14.0161% | 813 |
| Tier 1 risk-based capital ratio | 20.0809% | 1,471 |
| Total risk-based capital ratio | 21.3329% | 1,447 |
| Memoranda: | ||
| Average total assets | $5,787,330,800 | 179 |
| Average earning assets | $5,531,857,800 | 166 |
| Average equity | $832,703,600 | 154 |
| Average total loans | $3,144,484,000 | 205 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 4,236 |
| Cost of funding earning assets | 0.1346% | 5,893 |
| Net interest margin | 3.6218% | 3,073 |
| Noninterest income to average assets | 0.4137% | 3,978 |
| Noninterest expense to average assets | 2.1838% | 5,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1585% | 1,805 |
| Return on assets (ROA) | 1.1585% | 1,871 |
| Pretax return on assets | 1.6898% | 1,135 |
| Return on Equity (ROE) | 7.9782% | 3,080 |
| Retained earnings to average equity (ytd only) | 6.5852% | 1,900 |
| Net charge-offs to loans | -0.1390% | 5,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3767% | 5,302 |
| Assets per employee ($millions) | 8.8314% | 396 |
| Cash dividends to net income (ytd only)* | 17.4605% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 1,500 |
| Loan loss allowance to noncurrent loans | 2,570.0428% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 5,537 |
| Noncurrent loans to loans | 0.0657% | 5,352 |
| Net loans and leases to total assets | 52.6565% | 4,695 |
| Net loans and leases to deposits | 69.6250% | 4,031 |
| Net loans and leases to core deposits | 76.5471% | 3,733 |
| Total domestic deposits to total assets | 75.6287% | 5,549 |
| Equity capital to assets | 14.1716% | 951 |
| Core capital (leverage) ratio | 14.3671% | 765 |
| Tier 1 risk-based capital ratio | 20.2369% | 1,499 |
| Total risk-based capital ratio | 21.4883% | 1,464 |
| Memoranda: | ||
| Average total assets | $5,695,763,500 | 179 |
| Average earning assets | $5,441,192,000 | 170 |
| Average equity | $827,046,750 | 155 |
| Average total loans | $3,111,134,750 | 207 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 3,966 |
| Cost of funding earning assets | 0.1312% | 5,979 |
| Net interest margin | 3.6958% | 2,725 |
| Noninterest income to average assets | 0.4331% | 3,831 |
| Noninterest expense to average assets | 2.2114% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1898% | 1,629 |
| Return on assets (ROA) | 1.1898% | 1,700 |
| Pretax return on assets | 1.7468% | 986 |
| Return on Equity (ROE) | 8.1249% | 2,976 |
| Retained earnings to average equity (ytd only) | 6.7203% | 1,832 |
| Net charge-offs to loans | -0.1791% | 5,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8693% | 5,440 |
| Assets per employee ($millions) | 8.1718% | 493 |
| Cash dividends to net income (ytd only)* | 17.2878% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 1,545 |
| Loan loss allowance to noncurrent loans | 2,343.0884% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 5,604 |
| Noncurrent loans to loans | 0.0738% | 5,435 |
| Net loans and leases to total assets | 53.7712% | 4,579 |
| Net loans and leases to deposits | 71.8228% | 3,738 |
| Net loans and leases to core deposits | 79.4335% | 3,448 |
| Total domestic deposits to total assets | 74.8666% | 5,722 |
| Equity capital to assets | 14.7225% | 765 |
| Core capital (leverage) ratio | 14.7909% | 655 |
| Tier 1 risk-based capital ratio | 21.2767% | 1,312 |
| Total risk-based capital ratio | 22.5291% | 1,290 |
| Memoranda: | ||
| Average total assets | $5,601,388,000 | 181 |
| Average earning assets | $5,342,666,000 | 171 |
| Average equity | $820,293,670 | 155 |
| Average total loans | $3,080,739,330 | 210 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 4,440 |
| Cost of funding earning assets | 0.1317% | 6,051 |
| Net interest margin | 3.5467% | 3,235 |
| Noninterest income to average assets | 0.4580% | 3,588 |
| Noninterest expense to average assets | 2.0725% | 5,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2012% | 1,545 |
| Return on assets (ROA) | 1.2012% | 1,641 |
| Pretax return on assets | 1.7650% | 928 |
| Return on Equity (ROE) | 8.2245% | 2,841 |
| Retained earnings to average equity (ytd only) | 6.8080% | 2,093 |
| Net charge-offs to loans | -0.2528% | 6,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0071% | 5,679 |
| Assets per employee ($millions) | 8.1404% | 514 |
| Cash dividends to net income (ytd only)* | 17.2226% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6825% | 1,784 |
| Loan loss allowance to noncurrent loans | 915.0763% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 5,371 |
| Noncurrent loans to loans | 0.1839% | 5,121 |
| Net loans and leases to total assets | 55.4349% | 4,266 |
| Net loans and leases to deposits | 73.6962% | 3,351 |
| Net loans and leases to core deposits | 81.7313% | 2,987 |
| Total domestic deposits to total assets | 75.2209% | 5,809 |
| Equity capital to assets | 14.7589% | 759 |
| Core capital (leverage) ratio | 14.6250% | 667 |
| Tier 1 risk-based capital ratio | 20.7730% | 1,463 |
| Total risk-based capital ratio | 22.0250% | 1,432 |
| Memoranda: | ||
| Average total assets | $5,570,568,000 | 177 |
| Average earning assets | $5,307,993,000 | 169 |
| Average equity | $813,571,500 | 154 |
| Average total loans | $3,071,787,500 | 208 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5871% | 5,114 |
| Cost of funding earning assets | 0.1341% | 6,180 |
| Net interest margin | 3.4529% | 3,966 |
| Noninterest income to average assets | 0.4902% | 3,584 |
| Noninterest expense to average assets | 2.1256% | 5,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1373% | 1,829 |
| Return on assets (ROA) | 1.1515% | 1,833 |
| Pretax return on assets | 1.6706% | 1,049 |
| Return on Equity (ROE) | 7.9641% | 3,156 |
| Retained earnings to average equity (ytd only) | 6.0595% | 1,889 |
| Net charge-offs to loans | 0.0163% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 200.0626% | 270 |
| Efficiency ratio | 56.2981% | 5,636 |
| Assets per employee ($millions) | 8.3054% | 478 |
| Cash dividends to net income (ytd only)* | 23.9148% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6886% | 1,803 |
| Loan loss allowance to noncurrent loans | 986.8687% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 5,415 |
| Noncurrent loans to loans | 0.1711% | 5,212 |
| Net loans and leases to total assets | 52.9972% | 4,686 |
| Net loans and leases to deposits | 70.4216% | 3,850 |
| Net loans and leases to core deposits | 78.2453% | 3,494 |
| Total domestic deposits to total assets | 75.2570% | 5,829 |
| Equity capital to assets | 14.4513% | 826 |
| Core capital (leverage) ratio | 14.3486% | 742 |
| Tier 1 risk-based capital ratio | 22.3383% | 1,174 |
| Total risk-based capital ratio | 23.5910% | 1,155 |
| Memoranda: | ||
| Average total assets | $5,419,836,000 | 176 |
| Average earning assets | $5,156,966,200 | 167 |
| Average equity | $783,625,200 | 157 |
| Average total loans | $2,741,352,200 | 213 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5229% | 5,339 |
| Cost of funding earning assets | 0.1337% | 6,270 |
| Net interest margin | 3.3892% | 4,280 |
| Noninterest income to average assets | 0.5232% | 3,377 |
| Noninterest expense to average assets | 2.0841% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1471% | 1,878 |
| Return on assets (ROA) | 1.1543% | 1,910 |
| Pretax return on assets | 1.6731% | 1,130 |
| Return on Equity (ROE) | 7.9827% | 3,218 |
| Retained earnings to average equity (ytd only) | 6.5017% | 2,102 |
| Net charge-offs to loans | -0.0225% | 5,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6258% | 5,690 |
| Assets per employee ($millions) | 8.1830% | 476 |
| Cash dividends to net income (ytd only)* | 18.5533% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7815% | 1,731 |
| Loan loss allowance to noncurrent loans | 454.6342% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 4,910 |
| Noncurrent loans to loans | 0.3919% | 4,735 |
| Net loans and leases to total assets | 51.5289% | 4,855 |
| Net loans and leases to deposits | 69.4158% | 3,981 |
| Net loans and leases to core deposits | 76.9204% | 3,645 |
| Total domestic deposits to total assets | 74.2323% | 5,998 |
| Equity capital to assets | 14.4171% | 869 |
| Core capital (leverage) ratio | 14.3494% | 758 |
| Tier 1 risk-based capital ratio | 22.5068% | 1,184 |
| Total risk-based capital ratio | 23.7602% | 1,168 |
| Memoranda: | ||
| Average total assets | $5,379,485,250 | 174 |
| Average earning assets | $5,116,454,250 | 165 |
| Average equity | $777,891,250 | 157 |
| Average total loans | $2,674,514,000 | 214 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4853% | 5,440 |
| Cost of funding earning assets | 0.1314% | 6,356 |
| Net interest margin | 3.3539% | 4,384 |
| Noninterest income to average assets | 0.5167% | 3,363 |
| Noninterest expense to average assets | 2.0926% | 5,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1214% | 1,855 |
| Return on assets (ROA) | 1.1324% | 1,902 |
| Pretax return on assets | 1.6310% | 1,176 |
| Return on Equity (ROE) | 7.8229% | 3,196 |
| Retained earnings to average equity (ytd only) | 6.3292% | 2,133 |
| Net charge-offs to loans | -0.0018% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4392% | 5,699 |
| Assets per employee ($millions) | 8.0940% | 475 |
| Cash dividends to net income (ytd only)* | 19.0945% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 1,683 |
| Loan loss allowance to noncurrent loans | 260.5305% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 4,225 |
| Noncurrent loans to loans | 0.7133% | 3,922 |
| Net loans and leases to total assets | 50.0112% | 4,961 |
| Net loans and leases to deposits | 67.7400% | 4,081 |
| Net loans and leases to core deposits | 75.3337% | 3,701 |
| Total domestic deposits to total assets | 73.8282% | 6,129 |
| Equity capital to assets | 14.4845% | 825 |
| Core capital (leverage) ratio | 14.5387% | 690 |
| Tier 1 risk-based capital ratio | 23.1283% | 1,095 |
| Total risk-based capital ratio | 24.3824% | 1,078 |
| Memoranda: | ||
| Average total assets | $5,328,752,670 | 176 |
| Average earning assets | $5,069,729,000 | 167 |
| Average equity | $771,351,330 | 157 |
| Average total loans | $2,598,646,670 | 215 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 5,562 |
| Cost of funding earning assets | 0.1290% | 6,449 |
| Net interest margin | 3.3090% | 4,496 |
| Noninterest income to average assets | 0.4136% | 4,077 |
| Noninterest expense to average assets | 2.0825% | 5,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0414% | 2,038 |
| Return on assets (ROA) | 1.0639% | 2,025 |
| Pretax return on assets | 1.5191% | 1,377 |
| Return on Equity (ROE) | 7.3524% | 3,287 |
| Retained earnings to average equity (ytd only) | 5.8462% | 2,622 |
| Net charge-offs to loans | -0.0046% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3425% | 5,615 |
| Assets per employee ($millions) | 8.5164% | 397 |
| Cash dividends to net income (ytd only)* | 20.4851% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9849% | 1,544 |
| Loan loss allowance to noncurrent loans | 187.9834% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 3,854 |
| Noncurrent loans to loans | 1.0559% | 3,314 |
| Net loans and leases to total assets | 47.2722% | 5,206 |
| Net loans and leases to deposits | 63.6340% | 4,362 |
| Net loans and leases to core deposits | 70.9117% | 3,994 |
| Total domestic deposits to total assets | 74.2877% | 6,221 |
| Equity capital to assets | 14.3849% | 814 |
| Core capital (leverage) ratio | 14.5958% | 677 |
| Tier 1 risk-based capital ratio | 24.1011% | 989 |
| Total risk-based capital ratio | 25.3564% | 971 |
| Memoranda: | ||
| Average total assets | $5,285,697,000 | 177 |
| Average earning assets | $5,041,128,500 | 167 |
| Average equity | $764,868,500 | 158 |
| Average total loans | $2,518,312,000 | 220 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3430% | 5,924 |
| Cost of funding earning assets | 0.1261% | 6,615 |
| Net interest margin | 3.2168% | 4,942 |
| Noninterest income to average assets | 0.7057% | 2,511 |
| Noninterest expense to average assets | 2.0353% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1981% | 1,572 |
| Return on assets (ROA) | 1.2158% | 1,578 |
| Pretax return on assets | 1.7708% | 807 |
| Return on Equity (ROE) | 8.4079% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.3891% | 1,750 |
| Net charge-offs to loans | -0.0119% | 6,049 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8361% | 6,150 |
| Assets per employee ($millions) | 8.1478% | 441 |
| Cash dividends to net income (ytd only)* | 24.0103% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0893% | 1,355 |
| Loan loss allowance to noncurrent loans | 175.3550% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 3,798 |
| Noncurrent loans to loans | 1.1914% | 3,157 |
| Net loans and leases to total assets | 46.0595% | 5,477 |
| Net loans and leases to deposits | 62.6869% | 4,656 |
| Net loans and leases to core deposits | 70.0500% | 4,284 |
| Total domestic deposits to total assets | 73.4755% | 6,320 |
| Equity capital to assets | 14.5585% | 769 |
| Core capital (leverage) ratio | 14.4809% | 693 |
| Tier 1 risk-based capital ratio | 26.1974% | 757 |
| Total risk-based capital ratio | 27.4548% | 733 |
| Memoranda: | ||
| Average total assets | $5,113,297,000 | 176 |
| Average earning assets | $4,887,458,000 | 166 |
| Average equity | $739,365,600 | 155 |
| Average total loans | $2,159,463,200 | 240 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2878% | 6,074 |
| Cost of funding earning assets | 0.1260% | 6,714 |
| Net interest margin | 3.1618% | 5,110 |
| Noninterest income to average assets | 0.7739% | 2,267 |
| Noninterest expense to average assets | 2.0218% | 5,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2175% | 1,576 |
| Return on assets (ROA) | 1.2365% | 1,592 |
| Pretax return on assets | 1.8000% | 912 |
| Return on Equity (ROE) | 8.5662% | 2,857 |
| Retained earnings to average equity (ytd only) | 6.9975% | 1,875 |
| Net charge-offs to loans | -0.0401% | 6,242 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2843% | 6,162 |
| Assets per employee ($millions) | 8.0902% | 448 |
| Cash dividends to net income (ytd only)* | 18.3130% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3158% | 1,162 |
| Loan loss allowance to noncurrent loans | 132.1785% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0369% | 3,578 |
| Noncurrent loans to loans | 1.7520% | 2,567 |
| Net loans and leases to total assets | 42.3182% | 5,878 |
| Net loans and leases to deposits | 56.7583% | 5,308 |
| Net loans and leases to core deposits | 62.8266% | 5,033 |
| Total domestic deposits to total assets | 74.5587% | 6,327 |
| Equity capital to assets | 14.5993% | 792 |
| Core capital (leverage) ratio | 14.4334% | 751 |
| Tier 1 risk-based capital ratio | 27.4614% | 670 |
| Total risk-based capital ratio | 28.7203% | 655 |
| Memoranda: | ||
| Average total assets | $5,087,974,750 | 175 |
| Average earning assets | $4,860,373,000 | 165 |
| Average equity | $734,415,250 | 153 |
| Average total loans | $2,086,063,250 | 245 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2616% | 6,142 |
| Cost of funding earning assets | 0.1257% | 6,766 |
| Net interest margin | 3.1359% | 5,173 |
| Noninterest income to average assets | 0.8044% | 2,168 |
| Noninterest expense to average assets | 1.9934% | 6,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2394% | 1,491 |
| Return on assets (ROA) | 1.2679% | 1,509 |
| Pretax return on assets | 1.8461% | 829 |
| Return on Equity (ROE) | 8.8183% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.2374% | 1,776 |
| Net charge-offs to loans | 0.0228% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 197.1552% | 262 |
| Efficiency ratio | 52.4838% | 6,256 |
| Assets per employee ($millions) | 8.1815% | 427 |
| Cash dividends to net income (ytd only)* | 17.9275% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4029% | 1,090 |
| Loan loss allowance to noncurrent loans | 131.6749% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 3,535 |
| Noncurrent loans to loans | 1.8249% | 2,603 |
| Net loans and leases to total assets | 40.0636% | 6,038 |
| Net loans and leases to deposits | 54.6578% | 5,462 |
| Net loans and leases to core deposits | 60.4202% | 5,227 |
| Total domestic deposits to total assets | 73.2990% | 6,485 |
| Equity capital to assets | 14.3613% | 858 |
| Core capital (leverage) ratio | 14.4804% | 705 |
| Tier 1 risk-based capital ratio | 27.8351% | 634 |
| Total risk-based capital ratio | 29.0943% | 624 |
| Memoranda: | ||
| Average total assets | $5,068,837,330 | 175 |
| Average earning assets | $4,839,226,670 | 165 |
| Average equity | $728,824,000 | 154 |
| Average total loans | $2,038,398,330 | 248 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3030% | 6,152 |
| Cost of funding earning assets | 0.1277% | 6,844 |
| Net interest margin | 3.1753% | 5,015 |
| Noninterest income to average assets | 0.8401% | 1,962 |
| Noninterest expense to average assets | 1.9630% | 6,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3013% | 1,271 |
| Return on assets (ROA) | 1.3303% | 1,306 |
| Pretax return on assets | 1.9536% | 652 |
| Return on Equity (ROE) | 9.2463% | 2,383 |
| Retained earnings to average equity (ytd only) | 7.6545% | 1,874 |
| Net charge-offs to loans | 0.1057% | 2,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 45.4291% | 721 |
| Efficiency ratio | 50.6712% | 6,461 |
| Assets per employee ($millions) | 8.3825% | 415 |
| Cash dividends to net income (ytd only)* | 17.2156% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5000% | 1,116 |
| Loan loss allowance to noncurrent loans | 117.1915% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 3,528 |
| Noncurrent loans to loans | 2.1332% | 2,459 |
| Net loans and leases to total assets | 38.8089% | 6,095 |
| Net loans and leases to deposits | 52.6451% | 5,560 |
| Net loans and leases to core deposits | 58.2884% | 5,320 |
| Total domestic deposits to total assets | 73.7181% | 6,550 |
| Equity capital to assets | 14.3976% | 909 |
| Core capital (leverage) ratio | 14.4420% | 683 |
| Tier 1 risk-based capital ratio | 28.5412% | 607 |
| Total risk-based capital ratio | 29.8014% | 600 |
| Memoranda: | ||
| Average total assets | $5,030,184,500 | 178 |
| Average earning assets | $4,806,221,500 | 168 |
| Average equity | $723,709,000 | 155 |
| Average total loans | $2,001,350,500 | 254 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 5,859 |
| Cost of funding earning assets | 0.1525% | 6,912 |
| Net interest margin | 3.6340% | 3,945 |
| Noninterest income to average assets | 0.4573% | 4,199 |
| Noninterest expense to average assets | 2.0060% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3118% | 1,267 |
| Return on assets (ROA) | 1.3168% | 1,394 |
| Pretax return on assets | 1.9162% | 725 |
| Return on Equity (ROE) | 9.0955% | 2,596 |
| Retained earnings to average equity (ytd only) | 6.9538% | 1,592 |
| Net charge-offs to loans | 0.3689% | 2,782 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 12.3039% | 1,942 |
| Efficiency ratio | 51.2387% | 6,504 |
| Assets per employee ($millions) | 8.4846% | 404 |
| Cash dividends to net income (ytd only)* | 23.5474% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5702% | 1,046 |
| Loan loss allowance to noncurrent loans | 102.7359% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.3496% | 3,379 |
| Noncurrent loans to loans | 2.5017% | 2,110 |
| Net loans and leases to total assets | 38.7472% | 6,251 |
| Net loans and leases to deposits | 52.4458% | 5,771 |
| Net loans and leases to core deposits | 58.0302% | 5,538 |
| Total domestic deposits to total assets | 73.8804% | 6,537 |
| Equity capital to assets | 14.3769% | 916 |
| Core capital (leverage) ratio | 14.2373% | 734 |
| Tier 1 risk-based capital ratio | 28.3474% | 602 |
| Total risk-based capital ratio | 29.6082% | 586 |
| Memoranda: | ||
| Average total assets | $4,813,836,800 | 179 |
| Average earning assets | $4,580,439,800 | 169 |
| Average equity | $696,902,200 | 157 |
| Average total loans | $2,024,538,000 | 243 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 5,773 |
| Cost of funding earning assets | 0.1577% | 7,020 |
| Net interest margin | 3.7483% | 3,564 |
| Noninterest income to average assets | 0.4672% | 4,162 |
| Noninterest expense to average assets | 1.9759% | 6,388 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4009% | 1,219 |
| Return on assets (ROA) | 1.4017% | 1,343 |
| Pretax return on assets | 2.0568% | 618 |
| Return on Equity (ROE) | 9.6648% | 2,515 |
| Retained earnings to average equity (ytd only) | 8.0752% | 1,592 |
| Net charge-offs to loans | 0.0611% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 78.8231% | 523 |
| Efficiency ratio | 49.0120% | 6,661 |
| Assets per employee ($millions) | 8.3418% | 421 |
| Cash dividends to net income (ytd only)* | 16.4473% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9127% | 789 |
| Loan loss allowance to noncurrent loans | 84.3388% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.8639% | 2,841 |
| Noncurrent loans to loans | 3.4535% | 1,577 |
| Net loans and leases to total assets | 39.3637% | 6,330 |
| Net loans and leases to deposits | 54.3497% | 5,777 |
| Net loans and leases to core deposits | 60.6720% | 5,488 |
| Total domestic deposits to total assets | 72.4268% | 6,720 |
| Equity capital to assets | 14.6133% | 934 |
| Core capital (leverage) ratio | 14.4607% | 714 |
| Tier 1 risk-based capital ratio | 28.6312% | 609 |
| Total risk-based capital ratio | 29.8958% | 597 |
| Memoranda: | ||
| Average total assets | $4,770,055,750 | 182 |
| Average earning assets | $4,535,972,500 | 171 |
| Average equity | $691,813,000 | 158 |
| Average total loans | $2,034,653,500 | 243 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 5,464 |
| Cost of funding earning assets | 0.1612% | 7,092 |
| Net interest margin | 3.8953% | 2,924 |
| Noninterest income to average assets | 0.4336% | 4,408 |
| Noninterest expense to average assets | 1.9271% | 6,551 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4880% | 1,010 |
| Return on assets (ROA) | 1.4892% | 1,132 |
| Pretax return on assets | 2.2103% | 474 |
| Return on Equity (ROE) | 10.2946% | 2,241 |
| Retained earnings to average equity (ytd only) | 8.6893% | 1,382 |
| Net charge-offs to loans | 0.1273% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 39.9847% | 876 |
| Efficiency ratio | 46.5978% | 6,853 |
| Assets per employee ($millions) | 8.0878% | 452 |
| Cash dividends to net income (ytd only)* | 15.5934% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7959% | 951 |
| Loan loss allowance to noncurrent loans | 81.1434% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.9182% | 2,884 |
| Noncurrent loans to loans | 3.4456% | 1,675 |
| Net loans and leases to total assets | 41.5726% | 6,220 |
| Net loans and leases to deposits | 57.0319% | 5,547 |
| Net loans and leases to core deposits | 63.9282% | 5,218 |
| Total domestic deposits to total assets | 72.8936% | 6,756 |
| Equity capital to assets | 14.6313% | 878 |
| Core capital (leverage) ratio | 14.4710% | 704 |
| Tier 1 risk-based capital ratio | 27.6394% | 679 |
| Total risk-based capital ratio | 28.9033% | 661 |
| Memoranda: | ||
| Average total assets | $4,736,207,000 | 180 |
| Average earning assets | $4,501,122,330 | 172 |
| Average equity | $685,117,330 | 158 |
| Average total loans | $2,054,479,670 | 240 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 4,677 |
| Cost of funding earning assets | 0.1638% | 7,161 |
| Net interest margin | 4.1525% | 1,926 |
| Noninterest income to average assets | 0.3511% | 5,052 |
| Noninterest expense to average assets | 1.9527% | 6,549 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5692% | 915 |
| Return on assets (ROA) | 1.5716% | 1,018 |
| Pretax return on assets | 2.3487% | 417 |
| Return on Equity (ROE) | 10.9280% | 2,044 |
| Retained earnings to average equity (ytd only) | 9.3056% | 1,471 |
| Net charge-offs to loans | 0.0651% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 82.5075% | 411 |
| Efficiency ratio | 45.4348% | 6,930 |
| Assets per employee ($millions) | 7.9890% | 481 |
| Cash dividends to net income (ytd only)* | 14.8464% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8603% | 948 |
| Loan loss allowance to noncurrent loans | 63.1092% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.3462% | 2,539 |
| Noncurrent loans to loans | 4.5324% | 1,278 |
| Net loans and leases to total assets | 41.3903% | 6,242 |
| Net loans and leases to deposits | 55.8658% | 5,619 |
| Net loans and leases to core deposits | 62.5413% | 5,269 |
| Total domestic deposits to total assets | 74.0888% | 6,736 |
| Equity capital to assets | 14.3787% | 900 |
| Core capital (leverage) ratio | 14.4548% | 699 |
| Tier 1 risk-based capital ratio | 27.7344% | 663 |
| Total risk-based capital ratio | 28.9994% | 647 |
| Memoranda: | ||
| Average total assets | $4,714,379,000 | 178 |
| Average earning assets | $4,480,862,000 | 168 |
| Average equity | $677,998,500 | 158 |
| Average total loans | $2,059,586,500 | 236 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2596% | 5,888 |
| Cost of funding earning assets | 0.2250% | 7,209 |
| Net interest margin | 4.0346% | 2,709 |
| Noninterest income to average assets | 0.4583% | 4,157 |
| Noninterest expense to average assets | 1.9274% | 6,794 |
| Loan and lease loss provision to assets | 0.3205% | 3,120 |
| Net operating income to assets | 1.3319% | 1,175 |
| Return on assets (ROA) | 1.3344% | 1,253 |
| Pretax return on assets | 2.0412% | 489 |
| Return on Equity (ROE) | 9.1226% | 2,397 |
| Retained earnings to average equity (ytd only) | 6.9204% | 1,539 |
| Net charge-offs to loans | 0.5437% | 2,839 |
| Credit loss provision to net charge-offs | 124.9560% | 2,510 |
| Earnings coverage of net charge-offs (x) | 9.1917% | 2,022 |
| Efficiency ratio | 44.9785% | 7,092 |
| Assets per employee ($millions) | 7.9511% | 482 |
| Cash dividends to net income (ytd only)* | 24.1399% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8013% | 980 |
| Loan loss allowance to noncurrent loans | 46.2355% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 3.2082% | 1,864 |
| Noncurrent loans to loans | 6.0588% | 812 |
| Net loans and leases to total assets | 43.5363% | 6,250 |
| Net loans and leases to deposits | 59.7766% | 5,513 |
| Net loans and leases to core deposits | 67.2697% | 5,125 |
| Total domestic deposits to total assets | 72.8317% | 6,822 |
| Equity capital to assets | 14.3843% | 937 |
| Core capital (leverage) ratio | 14.2632% | 764 |
| Tier 1 risk-based capital ratio | 26.6729% | 727 |
| Total risk-based capital ratio | 27.9376% | 708 |
| Memoranda: | ||
| Average total assets | $4,430,203,400 | 183 |
| Average earning assets | $4,202,106,000 | 176 |
| Average equity | $648,036,200 | 159 |
| Average total loans | $2,089,958,200 | 231 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 5,746 |
| Cost of funding earning assets | 0.2396% | 7,286 |
| Net interest margin | 4.1187% | 2,399 |
| Noninterest income to average assets | 0.4631% | 4,191 |
| Noninterest expense to average assets | 1.9588% | 6,769 |
| Loan and lease loss provision to assets | 0.2668% | 3,375 |
| Net operating income to assets | 1.3802% | 1,199 |
| Return on assets (ROA) | 1.3822% | 1,274 |
| Pretax return on assets | 2.1471% | 473 |
| Return on Equity (ROE) | 9.4073% | 2,422 |
| Retained earnings to average equity (ytd only) | 7.6957% | 1,629 |
| Net charge-offs to loans | 0.3866% | 3,184 |
| Credit loss provision to net charge-offs | 144.3418% | 2,200 |
| Earnings coverage of net charge-offs (x) | 13.0431% | 1,649 |
| Efficiency ratio | 44.8288% | 7,111 |
| Assets per employee ($millions) | 7.8701% | 496 |
| Cash dividends to net income (ytd only)* | 18.1947% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8274% | 1,009 |
| Loan loss allowance to noncurrent loans | 43.0919% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 3.7129% | 1,684 |
| Noncurrent loans to loans | 6.5614% | 800 |
| Net loans and leases to total assets | 44.4426% | 6,291 |
| Net loans and leases to deposits | 61.9194% | 5,412 |
| Net loans and leases to core deposits | 70.2177% | 4,928 |
| Total domestic deposits to total assets | 71.7749% | 6,947 |
| Equity capital to assets | 14.6966% | 931 |
| Core capital (leverage) ratio | 14.6925% | 729 |
| Tier 1 risk-based capital ratio | 27.3075% | 717 |
| Total risk-based capital ratio | 28.5734% | 696 |
| Memoranda: | ||
| Average total assets | $4,372,918,000 | 186 |
| Average earning assets | $4,147,592,000 | 177 |
| Average equity | $642,491,250 | 161 |
| Average total loans | $2,090,705,250 | 231 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 5,571 |
| Cost of funding earning assets | 0.2490% | 7,363 |
| Net interest margin | 4.1857% | 2,093 |
| Noninterest income to average assets | 0.4600% | 4,193 |
| Noninterest expense to average assets | 2.0014% | 6,788 |
| Loan and lease loss provision to assets | 0.3120% | 2,922 |
| Net operating income to assets | 1.3575% | 1,179 |
| Return on assets (ROA) | 1.3578% | 1,249 |
| Pretax return on assets | 2.1138% | 479 |
| Return on Equity (ROE) | 9.2422% | 2,417 |
| Retained earnings to average equity (ytd only) | 7.5122% | 1,651 |
| Net charge-offs to loans | 0.3635% | 3,100 |
| Credit loss provision to net charge-offs | 176.8405% | 1,698 |
| Earnings coverage of net charge-offs (x) | 13.7488% | 1,523 |
| Efficiency ratio | 45.2111% | 7,194 |
| Assets per employee ($millions) | 7.6345% | 537 |
| Cash dividends to net income (ytd only)* | 18.7181% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7212% | 1,159 |
| Loan loss allowance to noncurrent loans | 43.2627% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 4.1860% | 1,517 |
| Noncurrent loans to loans | 6.2900% | 912 |
| Net loans and leases to total assets | 48.4459% | 6,003 |
| Net loans and leases to deposits | 68.4526% | 4,641 |
| Net loans and leases to core deposits | 77.4451% | 4,128 |
| Total domestic deposits to total assets | 70.7730% | 7,068 |
| Equity capital to assets | 15.0099% | 821 |
| Core capital (leverage) ratio | 14.6883% | 728 |
| Tier 1 risk-based capital ratio | 25.5794% | 843 |
| Total risk-based capital ratio | 26.8441% | 827 |
| Memoranda: | ||
| Average total assets | $4,327,377,000 | 188 |
| Average earning assets | $4,101,103,000 | 182 |
| Average equity | $635,739,330 | 163 |
| Average total loans | $2,100,116,670 | 234 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 5,602 |
| Cost of funding earning assets | 0.2503% | 7,438 |
| Net interest margin | 4.1747% | 1,983 |
| Noninterest income to average assets | 0.4362% | 4,401 |
| Noninterest expense to average assets | 2.1101% | 6,613 |
| Loan and lease loss provision to assets | 0.0647% | 5,186 |
| Net operating income to assets | 1.4167% | 1,037 |
| Return on assets (ROA) | 1.4171% | 1,071 |
| Pretax return on assets | 2.2190% | 388 |
| Return on Equity (ROE) | 9.7516% | 2,187 |
| Retained earnings to average equity (ytd only) | 8.0037% | 1,734 |
| Net charge-offs to loans | -0.1479% | 7,199 |
| Credit loss provision to net charge-offs | -91.2647% | 5,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0309% | 7,113 |
| Assets per employee ($millions) | 7.8547% | 496 |
| Cash dividends to net income (ytd only)* | 17.9247% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7471% | 1,158 |
| Loan loss allowance to noncurrent loans | 65.8174% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 2.9573% | 2,333 |
| Noncurrent loans to loans | 4.1739% | 1,719 |
| Net loans and leases to total assets | 45.9514% | 6,294 |
| Net loans and leases to deposits | 65.8174% | 5,000 |
| Net loans and leases to core deposits | 74.6376% | 4,471 |
| Total domestic deposits to total assets | 69.8165% | 7,191 |
| Equity capital to assets | 14.4488% | 894 |
| Core capital (leverage) ratio | 14.5204% | 738 |
| Tier 1 risk-based capital ratio | 25.7184% | 810 |
| Total risk-based capital ratio | 26.9829% | 788 |
| Memoranda: | ||
| Average total assets | $4,330,506,000 | 189 |
| Average earning assets | $4,104,678,500 | 181 |
| Average equity | $629,312,000 | 164 |
| Average total loans | $2,074,191,500 | 234 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 6,322 |
| Cost of funding earning assets | 0.3041% | 7,502 |
| Net interest margin | 4.2229% | 2,083 |
| Noninterest income to average assets | 0.4369% | 4,618 |
| Noninterest expense to average assets | 1.8848% | 7,179 |
| Loan and lease loss provision to assets | 0.6242% | 2,640 |
| Net operating income to assets | 1.2621% | 1,262 |
| Return on assets (ROA) | 1.2757% | 1,295 |
| Pretax return on assets | 1.9711% | 515 |
| Return on Equity (ROE) | 8.7537% | 2,396 |
| Retained earnings to average equity (ytd only) | 6.3981% | 1,621 |
| Net charge-offs to loans | 1.3758% | 1,623 |
| Credit loss provision to net charge-offs | 92.4343% | 5,019 |
| Earnings coverage of net charge-offs (x) | 3.8122% | 3,176 |
| Efficiency ratio | 42.2674% | 7,454 |
| Assets per employee ($millions) | 7.7078% | 544 |
| Cash dividends to net income (ytd only)* | 26.9092% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6872% | 1,188 |
| Loan loss allowance to noncurrent loans | 55.8409% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 3.2122% | 2,204 |
| Noncurrent loans to loans | 4.8123% | 1,429 |
| Net loans and leases to total assets | 47.2606% | 6,454 |
| Net loans and leases to deposits | 67.0587% | 5,244 |
| Net loans and leases to core deposits | 76.7317% | 4,617 |
| Total domestic deposits to total assets | 70.4765% | 7,211 |
| Equity capital to assets | 14.6180% | 879 |
| Core capital (leverage) ratio | 14.3076% | 786 |
| Tier 1 risk-based capital ratio | 25.3304% | 817 |
| Total risk-based capital ratio | 26.5943% | 793 |
| Memoranda: | ||
| Average total assets | $4,157,167,800 | 195 |
| Average earning assets | $3,959,732,800 | 185 |
| Average equity | $605,848,400 | 167 |
| Average total loans | $2,040,566,400 | 236 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 6,400 |
| Cost of funding earning assets | 0.3173% | 7,625 |
| Net interest margin | 4.2598% | 1,995 |
| Noninterest income to average assets | 0.3449% | 5,410 |
| Noninterest expense to average assets | 1.8819% | 7,232 |
| Loan and lease loss provision to assets | 0.6278% | 2,425 |
| Net operating income to assets | 1.1987% | 1,598 |
| Return on assets (ROA) | 1.2166% | 1,624 |
| Pretax return on assets | 1.9258% | 731 |
| Return on Equity (ROE) | 8.3548% | 2,768 |
| Retained earnings to average equity (ytd only) | 6.5266% | 2,076 |
| Net charge-offs to loans | 1.3325% | 1,525 |
| Credit loss provision to net charge-offs | 95.7232% | 4,530 |
| Earnings coverage of net charge-offs (x) | 3.8508% | 3,277 |
| Efficiency ratio | 42.6991% | 7,505 |
| Assets per employee ($millions) | 7.7226% | 561 |
| Cash dividends to net income (ytd only)* | 21.8815% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8019% | 1,001 |
| Loan loss allowance to noncurrent loans | 53.5350% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 3.0835% | 2,348 |
| Noncurrent loans to loans | 5.2338% | 1,300 |
| Net loans and leases to total assets | 46.2887% | 6,671 |
| Net loans and leases to deposits | 66.5018% | 5,607 |
| Net loans and leases to core deposits | 76.8470% | 4,944 |
| Total domestic deposits to total assets | 69.6052% | 7,290 |
| Equity capital to assets | 14.4378% | 1,035 |
| Core capital (leverage) ratio | 14.3421% | 847 |
| Tier 1 risk-based capital ratio | 25.9267% | 778 |
| Total risk-based capital ratio | 27.1925% | 763 |
| Memoranda: | ||
| Average total assets | $4,130,858,250 | 195 |
| Average earning assets | $3,939,593,000 | 184 |
| Average equity | $601,540,500 | 168 |
| Average total loans | $2,033,191,250 | 238 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 6,298 |
| Cost of funding earning assets | 0.3320% | 7,693 |
| Net interest margin | 4.3216% | 1,699 |
| Noninterest income to average assets | 0.4581% | 4,455 |
| Noninterest expense to average assets | 1.9050% | 7,258 |
| Loan and lease loss provision to assets | 0.7561% | 1,903 |
| Net operating income to assets | 1.1980% | 1,566 |
| Return on assets (ROA) | 1.2253% | 1,558 |
| Pretax return on assets | 1.9637% | 651 |
| Return on Equity (ROE) | 8.3894% | 2,718 |
| Retained earnings to average equity (ytd only) | 6.5468% | 2,058 |
| Net charge-offs to loans | 1.1723% | 1,621 |
| Credit loss provision to net charge-offs | 129.5706% | 3,105 |
| Earnings coverage of net charge-offs (x) | 4.5880% | 2,907 |
| Efficiency ratio | 41.5736% | 7,608 |
| Assets per employee ($millions) | 7.5769% | 606 |
| Cash dividends to net income (ytd only)* | 21.9626% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9912% | 826 |
| Loan loss allowance to noncurrent loans | 53.6318% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 3.4997% | 2,005 |
| Noncurrent loans to loans | 5.5772% | 1,180 |
| Net loans and leases to total assets | 47.4297% | 6,665 |
| Net loans and leases to deposits | 67.6338% | 5,599 |
| Net loans and leases to core deposits | 78.8698% | 4,822 |
| Total domestic deposits to total assets | 70.1272% | 7,318 |
| Equity capital to assets | 14.4672% | 1,022 |
| Core capital (leverage) ratio | 14.4130% | 833 |
| Tier 1 risk-based capital ratio | 25.8075% | 781 |
| Total risk-based capital ratio | 27.0760% | 769 |
| Memoranda: | ||
| Average total assets | $4,086,849,330 | 197 |
| Average earning assets | $3,900,097,670 | 188 |
| Average equity | $596,898,670 | 169 |
| Average total loans | $2,034,215,670 | 237 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 6,195 |
| Cost of funding earning assets | 0.3437% | 7,796 |
| Net interest margin | 4.3712% | 1,473 |
| Noninterest income to average assets | 0.4398% | 4,563 |
| Noninterest expense to average assets | 1.8598% | 7,396 |
| Loan and lease loss provision to assets | 0.6691% | 1,895 |
| Net operating income to assets | 1.2904% | 1,321 |
| Return on assets (ROA) | 1.3185% | 1,332 |
| Pretax return on assets | 2.1255% | 479 |
| Return on Equity (ROE) | 8.9832% | 2,501 |
| Retained earnings to average equity (ytd only) | 7.1259% | 2,080 |
| Net charge-offs to loans | 2.0785% | 820 |
| Credit loss provision to net charge-offs | 64.0843% | 4,225 |
| Earnings coverage of net charge-offs (x) | 2.6346% | 3,220 |
| Efficiency ratio | 40.3380% | 7,727 |
| Assets per employee ($millions) | 7.2771% | 725 |
| Cash dividends to net income (ytd only)* | 20.6751% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6604% | 1,114 |
| Loan loss allowance to noncurrent loans | 46.8188% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 3.5119% | 2,003 |
| Noncurrent loans to loans | 5.6824% | 1,199 |
| Net loans and leases to total assets | 48.2823% | 6,646 |
| Net loans and leases to deposits | 67.3875% | 5,663 |
| Net loans and leases to core deposits | 78.4084% | 4,976 |
| Total domestic deposits to total assets | 71.6488% | 7,297 |
| Equity capital to assets | 14.6134% | 976 |
| Core capital (leverage) ratio | 14.5724% | 838 |
| Tier 1 risk-based capital ratio | 25.7343% | 795 |
| Total risk-based capital ratio | 26.9994% | 780 |
| Memoranda: | ||
| Average total assets | $4,035,260,500 | 202 |
| Average earning assets | $3,850,234,000 | 195 |
| Average equity | $592,259,000 | 170 |
| Average total loans | $2,027,026,500 | 248 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1048% | 6,067 |
| Cost of funding earning assets | 0.4937% | 7,836 |
| Net interest margin | 4.6110% | 962 |
| Noninterest income to average assets | 0.3144% | 5,831 |
| Noninterest expense to average assets | 1.9803% | 7,393 |
| Loan and lease loss provision to assets | 1.0495% | 2,188 |
| Net operating income to assets | 1.0468% | 1,678 |
| Return on assets (ROA) | 1.0468% | 1,719 |
| Pretax return on assets | 1.6978% | 782 |
| Return on Equity (ROE) | 7.0762% | 2,764 |
| Retained earnings to average equity (ytd only) | 4.5947% | 2,037 |
| Net charge-offs to loans | 1.8250% | 1,364 |
| Credit loss provision to net charge-offs | 110.7402% | 4,969 |
| Earnings coverage of net charge-offs (x) | 2.8989% | 3,637 |
| Efficiency ratio | 41.8887% | 7,827 |
| Assets per employee ($millions) | 7.3855% | 678 |
| Cash dividends to net income (ytd only)* | 35.0673% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8513% | 880 |
| Loan loss allowance to noncurrent loans | 80.6626% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 2.2909% | 3,018 |
| Noncurrent loans to loans | 3.5349% | 2,145 |
| Net loans and leases to total assets | 49.4303% | 6,691 |
| Net loans and leases to deposits | 69.2125% | 5,696 |
| Net loans and leases to core deposits | 94.5403% | 4,622 |
| Total domestic deposits to total assets | 71.4181% | 7,294 |
| Equity capital to assets | 14.7425% | 965 |
| Core capital (leverage) ratio | 14.2890% | 932 |
| Tier 1 risk-based capital ratio | 25.3589% | 811 |
| Total risk-based capital ratio | 26.6261% | 795 |
| Memoranda: | ||
| Average total assets | $3,887,634,600 | 215 |
| Average earning assets | $3,720,838,800 | 203 |
| Average equity | $575,114,200 | 169 |
| Average total loans | $2,018,774,200 | 259 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1384% | 6,147 |
| Cost of funding earning assets | 0.5258% | 7,927 |
| Net interest margin | 4.6126% | 973 |
| Noninterest income to average assets | 0.2958% | 6,109 |
| Noninterest expense to average assets | 2.0464% | 7,295 |
| Loan and lease loss provision to assets | 0.8867% | 2,170 |
| Net operating income to assets | 1.0548% | 1,882 |
| Return on assets (ROA) | 1.0548% | 1,945 |
| Pretax return on assets | 1.7801% | 837 |
| Return on Equity (ROE) | 7.1242% | 3,011 |
| Retained earnings to average equity (ytd only) | 5.2020% | 2,369 |
| Net charge-offs to loans | 1.3296% | 1,539 |
| Credit loss provision to net charge-offs | 127.7653% | 3,928 |
| Earnings coverage of net charge-offs (x) | 3.8425% | 3,366 |
| Efficiency ratio | 43.4185% | 7,851 |
| Assets per employee ($millions) | 7.0914% | 755 |
| Cash dividends to net income (ytd only)* | 26.9813% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9202% | 709 |
| Loan loss allowance to noncurrent loans | 89.0936% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 2.2314% | 3,057 |
| Noncurrent loans to loans | 3.2776% | 2,309 |
| Net loans and leases to total assets | 50.0673% | 6,777 |
| Net loans and leases to deposits | 70.0352% | 5,913 |
| Net loans and leases to core deposits | 97.0886% | 4,691 |
| Total domestic deposits to total assets | 71.4888% | 7,280 |
| Equity capital to assets | 14.8326% | 1,057 |
| Core capital (leverage) ratio | 14.2991% | 1,008 |
| Tier 1 risk-based capital ratio | 25.1881% | 875 |
| Total risk-based capital ratio | 26.4562% | 854 |
| Memoranda: | ||
| Average total assets | $3,864,351,000 | 224 |
| Average earning assets | $3,700,753,500 | 216 |
| Average equity | $572,176,500 | 172 |
| Average total loans | $2,017,103,500 | 268 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1466% | 6,265 |
| Cost of funding earning assets | 0.5584% | 8,016 |
| Net interest margin | 4.5882% | 983 |
| Noninterest income to average assets | 0.3239% | 5,922 |
| Noninterest expense to average assets | 2.1087% | 7,258 |
| Loan and lease loss provision to assets | 0.9379% | 1,799 |
| Net operating income to assets | 0.9972% | 2,116 |
| Return on assets (ROA) | 0.9972% | 2,212 |
| Pretax return on assets | 1.6752% | 1,067 |
| Return on Equity (ROE) | 6.7389% | 3,309 |
| Retained earnings to average equity (ytd only) | 4.8025% | 2,639 |
| Net charge-offs to loans | 1.6132% | 1,172 |
| Credit loss provision to net charge-offs | 110.9331% | 4,172 |
| Earnings coverage of net charge-offs (x) | 3.0907% | 3,573 |
| Efficiency ratio | 44.6583% | 7,900 |
| Assets per employee ($millions) | 6.9860% | 777 |
| Cash dividends to net income (ytd only)* | 28.7349% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7509% | 715 |
| Loan loss allowance to noncurrent loans | 96.5561% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 2.0955% | 3,065 |
| Noncurrent loans to loans | 2.8491% | 2,530 |
| Net loans and leases to total assets | 49.0746% | 6,958 |
| Net loans and leases to deposits | 69.0135% | 6,090 |
| Net loans and leases to core deposits | 96.7396% | 4,820 |
| Total domestic deposits to total assets | 71.1087% | 7,350 |
| Equity capital to assets | 14.3458% | 1,211 |
| Core capital (leverage) ratio | 14.3719% | 1,052 |
| Tier 1 risk-based capital ratio | 25.2480% | 919 |
| Total risk-based capital ratio | 26.5145% | 897 |
| Memoranda: | ||
| Average total assets | $3,838,187,330 | 228 |
| Average earning assets | $3,679,129,000 | 216 |
| Average equity | $567,960,000 | 175 |
| Average total loans | $2,011,653,330 | 279 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1617% | 6,439 |
| Cost of funding earning assets | 0.6209% | 8,043 |
| Net interest margin | 4.5408% | 1,052 |
| Noninterest income to average assets | 0.3517% | 5,632 |
| Noninterest expense to average assets | 2.1265% | 7,060 |
| Loan and lease loss provision to assets | 0.8520% | 1,530 |
| Net operating income to assets | 1.0686% | 2,072 |
| Return on assets (ROA) | 1.0686% | 2,203 |
| Pretax return on assets | 1.7335% | 1,113 |
| Return on Equity (ROE) | 7.1061% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.1592% | 3,036 |
| Net charge-offs to loans | 2.2115% | 653 |
| Credit loss provision to net charge-offs | 72.0786% | 4,316 |
| Earnings coverage of net charge-offs (x) | 2.1873% | 3,646 |
| Efficiency ratio | 45.1293% | 7,886 |
| Assets per employee ($millions) | 6.6002% | 917 |
| Cash dividends to net income (ytd only)* | 27.3969% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5171% | 753 |
| Loan loss allowance to noncurrent loans | 58.5021% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.7328% | 2,083 |
| Noncurrent loans to loans | 4.3026% | 1,364 |
| Net loans and leases to total assets | 50.6748% | 6,796 |
| Net loans and leases to deposits | 68.3792% | 6,145 |
| Net loans and leases to core deposits | 96.9001% | 4,857 |
| Total domestic deposits to total assets | 74.1085% | 6,869 |
| Equity capital to assets | 14.6787% | 1,187 |
| Core capital (leverage) ratio | 14.8648% | 997 |
| Tier 1 risk-based capital ratio | 25.3718% | 942 |
| Total risk-based capital ratio | 26.6363% | 915 |
| Memoranda: | ||
| Average total assets | $3,755,801,000 | 229 |
| Average earning assets | $3,606,583,500 | 215 |
| Average equity | $564,811,000 | 172 |
| Average total loans | $2,007,477,500 | 283 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6687% | 6,869 |
| Cost of funding earning assets | 1.0996% | 8,008 |
| Net interest margin | 4.5691% | 1,256 |
| Noninterest income to average assets | 0.6259% | 3,666 |
| Noninterest expense to average assets | 2.0297% | 7,387 |
| Loan and lease loss provision to assets | 1.5568% | 855 |
| Net operating income to assets | 0.8732% | 3,118 |
| Return on assets (ROA) | 0.8732% | 2,973 |
| Pretax return on assets | 1.3678% | 2,064 |
| Return on Equity (ROE) | 4.9069% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.4998% | 3,639 |
| Net charge-offs to loans | 1.4772% | 783 |
| Credit loss provision to net charge-offs | 200.5222% | 2,430 |
| Earnings coverage of net charge-offs (x) | 3.7670% | 4,227 |
| Efficiency ratio | 40.9681% | 8,110 |
| Assets per employee ($millions) | 6.0120% | 1,131 |
| Cash dividends to net income (ytd only)* | 49.0546% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6884% | 564 |
| Loan loss allowance to noncurrent loans | 56.8016% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 2.6037% | 1,848 |
| Noncurrent loans to loans | 4.7330% | 978 |
| Net loans and leases to total assets | 53.5334% | 6,701 |
| Net loans and leases to deposits | 72.7686% | 5,970 |
| Net loans and leases to core deposits | 103.5587% | 4,439 |
| Total domestic deposits to total assets | 73.5666% | 6,724 |
| Equity capital to assets | 15.4215% | 1,065 |
| Core capital (leverage) ratio | 15.2160% | 976 |
| Tier 1 risk-based capital ratio | 25.2265% | 966 |
| Total risk-based capital ratio | 26.4930% | 945 |
| Memoranda: | ||
| Average total assets | $3,403,764,000 | 237 |
| Average earning assets | $3,224,406,000 | 227 |
| Average equity | $605,719,800 | 166 |
| Average total loans | $1,788,931,800 | 308 |