Home > First National Bank Alaska > Performance and Condition Ratios
First National Bank Alaska, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,908 |
| Cost of funding earning assets | 1.1292% | 2,990 |
| Net interest margin | 2.9054% | 3,478 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 1.7779% | 4,035 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.0911% | 1,944 |
| Return on assets (ROA) | 1.0868% | 1,927 |
| Pretax return on assets | 1.4972% | 1,428 |
| Return on Equity (ROE) | 13.9700% | 1,491 |
| Retained earnings to average equity (ytd only) | 2.1736% | 3,543 |
| Net charge-offs to loans | -0.0068% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.4747% | 3,642 |
| Assets per employee ($millions) | 9.4725% | 837 |
| Cash dividends to net income (ytd only)* | 84.4359% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 4,007 |
| Loan loss allowance to noncurrent loans | 383.9498% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,001 |
| Noncurrent loans to loans | 0.2028% | 2,496 |
| Net loans and leases to total assets | 39.4700% | 4,056 |
| Net loans and leases to deposits | 59.8345% | 3,531 |
| Net loans and leases to core deposits | 61.8176% | 3,690 |
| Total domestic deposits to total assets | 65.9600% | 4,381 |
| Equity capital to assets | 8.1104% | 3,346 |
| Core capital (leverage) ratio | 9.8547% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4504% | 653 |
| Memoranda: | ||
| Average total assets | $5,521,526,200 | 260 |
| Average earning assets | $5,316,997,800 | 242 |
| Average equity | $429,702,600 | 298 |
| Average total loans | $2,284,894,800 | 366 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9231% | 3,968 |
| Cost of funding earning assets | 1.0453% | 2,906 |
| Net interest margin | 2.8777% | 3,593 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.7922% | 3,997 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.0645% | 2,170 |
| Return on assets (ROA) | 1.0588% | 2,179 |
| Pretax return on assets | 1.4504% | 1,673 |
| Return on Equity (ROE) | 13.7600% | 1,716 |
| Retained earnings to average equity (ytd only) | 4.1266% | 3,226 |
| Net charge-offs to loans | -0.0079% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.3898% | 3,455 |
| Assets per employee ($millions) | 9.1899% | 874 |
| Cash dividends to net income (ytd only)* | 70.0023% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 3,994 |
| Loan loss allowance to noncurrent loans | 353.4532% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 2,951 |
| Noncurrent loans to loans | 0.2247% | 2,451 |
| Net loans and leases to total assets | 41.5100% | 4,007 |
| Net loans and leases to deposits | 59.0044% | 3,560 |
| Net loans and leases to core deposits | 60.6594% | 3,675 |
| Total domestic deposits to total assets | 70.3400% | 4,316 |
| Equity capital to assets | 7.6142% | 3,284 |
| Core capital (leverage) ratio | 9.9845% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1325% | 689 |
| Memoranda: | ||
| Average total assets | $5,469,199,000 | 265 |
| Average earning assets | $5,259,592,500 | 247 |
| Average equity | $420,930,500 | 304 |
| Average total loans | $2,286,242,500 | 367 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 4,046 |
| Cost of funding earning assets | 0.9238% | 2,853 |
| Net interest margin | 2.8597% | 3,713 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 1.7872% | 4,022 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0363% | 2,295 |
| Return on assets (ROA) | 1.0263% | 2,325 |
| Pretax return on assets | 1.3995% | 1,817 |
| Return on Equity (ROE) | 13.2900% | 1,838 |
| Retained earnings to average equity (ytd only) | 3.6384% | 3,308 |
| Net charge-offs to loans | -0.0131% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.7005% | 3,457 |
| Assets per employee ($millions) | 8.9966% | 910 |
| Cash dividends to net income (ytd only)* | 72.6165% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 3,975 |
| Loan loss allowance to noncurrent loans | 389.3019% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 2,915 |
| Noncurrent loans to loans | 0.2104% | 2,423 |
| Net loans and leases to total assets | 41.4600% | 3,987 |
| Net loans and leases to deposits | 58.9142% | 3,487 |
| Net loans and leases to core deposits | 60.3180% | 3,616 |
| Total domestic deposits to total assets | 70.3800% | 4,348 |
| Equity capital to assets | 7.7058% | 3,402 |
| Core capital (leverage) ratio | 9.9988% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9070% | 728 |
| Memoranda: | ||
| Average total assets | $5,438,971,000 | 257 |
| Average earning assets | $5,230,142,333 | 244 |
| Average equity | $420,126,333 | 297 |
| Average total loans | $2,272,927,000 | 358 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 4,134 |
| Cost of funding earning assets | 0.7120% | 3,020 |
| Net interest margin | 2.9106% | 3,775 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.8050% | 4,021 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0157% | 2,482 |
| Return on assets (ROA) | 0.9956% | 2,509 |
| Pretax return on assets | 1.3514% | 2,013 |
| Return on Equity (ROE) | 12.8700% | 2,010 |
| Retained earnings to average equity (ytd only) | 3.1766% | 3,468 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.9462% | 3,415 |
| Assets per employee ($millions) | 8.9725% | 942 |
| Cash dividends to net income (ytd only)* | 75.3233% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 4,028 |
| Loan loss allowance to noncurrent loans | 382.2231% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 2,901 |
| Noncurrent loans to loans | 0.2178% | 2,388 |
| Net loans and leases to total assets | 41.4600% | 3,977 |
| Net loans and leases to deposits | 56.8741% | 3,520 |
| Net loans and leases to core deposits | 57.9623% | 3,634 |
| Total domestic deposits to total assets | 72.9000% | 4,322 |
| Equity capital to assets | 7.8300% | 3,360 |
| Core capital (leverage) ratio | 10.1933% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6680% | 774 |
| Memoranda: | ||
| Average total assets | $5,405,491,000 | 270 |
| Average earning assets | $5,190,740,500 | 254 |
| Average equity | $418,052,500 | 304 |
| Average total loans | $2,258,507,000 | 371 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0441% | 4,081 |
| Cost of funding earning assets | 0.2787% | 3,053 |
| Net interest margin | 2.7653% | 3,946 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.7091% | 4,159 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.0719% | 2,291 |
| Return on assets (ROA) | 1.0710% | 2,234 |
| Pretax return on assets | 1.4372% | 1,670 |
| Return on Equity (ROE) | 12.8300% | 1,858 |
| Retained earnings to average equity (ytd only) | 1.6667% | 4,056 |
| Net charge-offs to loans | 0.1316% | 600 |
| Credit loss provision to net charge-offs | -43.8092% | 4,563 |
| Earnings coverage of net charge-offs (x) | 26.9965% | 1,741 |
| Efficiency ratio | 54.6986% | 3,725 |
| Assets per employee ($millions) | 8.8962% | 954 |
| Cash dividends to net income (ytd only)* | 87.0095% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 3,936 |
| Loan loss allowance to noncurrent loans | 318.6981% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 2,753 |
| Noncurrent loans to loans | 0.2647% | 2,208 |
| Net loans and leases to total assets | 41.4000% | 4,012 |
| Net loans and leases to deposits | 52.3089% | 3,780 |
| Net loans and leases to core deposits | 52.9137% | 3,872 |
| Total domestic deposits to total assets | 79.1500% | 3,986 |
| Equity capital to assets | 7.6353% | 3,301 |
| Core capital (leverage) ratio | 9.6426% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2397% | 800 |
| Memoranda: | ||
| Average total assets | $5,437,662,600 | 261 |
| Average earning assets | $5,256,856,600 | 245 |
| Average equity | $453,887,000 | 282 |
| Average total loans | $2,166,937,800 | 360 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8658% | 4,102 |
| Cost of funding earning assets | 0.1684% | 3,645 |
| Net interest margin | 2.6974% | 3,932 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.6628% | 4,217 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.0699% | 2,209 |
| Return on assets (ROA) | 1.0706% | 2,166 |
| Pretax return on assets | 1.4332% | 1,620 |
| Return on Equity (ROE) | 12.5600% | 1,852 |
| Retained earnings to average equity (ytd only) | 3.8561% | 3,492 |
| Net charge-offs to loans | 0.1814% | 372 |
| Credit loss provision to net charge-offs | -33.2422% | 4,626 |
| Earnings coverage of net charge-offs (x) | 19.7164% | 1,719 |
| Efficiency ratio | 54.1391% | 3,813 |
| Assets per employee ($millions) | 9.3429% | 791 |
| Cash dividends to net income (ytd only)* | 69.3097% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 3,937 |
| Loan loss allowance to noncurrent loans | 325.6213% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 2,903 |
| Noncurrent loans to loans | 0.2681% | 2,304 |
| Net loans and leases to total assets | 39.2000% | 4,101 |
| Net loans and leases to deposits | 49.2061% | 3,901 |
| Net loans and leases to core deposits | 49.7286% | 3,967 |
| Total domestic deposits to total assets | 79.6600% | 4,127 |
| Equity capital to assets | 7.0711% | 3,473 |
| Core capital (leverage) ratio | 9.8251% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0363% | 726 |
| Memoranda: | ||
| Average total assets | $5,462,644,000 | 259 |
| Average earning assets | $5,297,531,500 | 245 |
| Average equity | $465,471,250 | 280 |
| Average total loans | $2,151,478,500 | 355 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7308% | 4,097 |
| Cost of funding earning assets | 0.0817% | 4,359 |
| Net interest margin | 2.6491% | 3,815 |
| Noninterest income to average assets | 0.4524% | 2,427 |
| Noninterest expense to average assets | 1.6451% | 4,227 |
| Loan and lease loss provision to assets | 0.0057% | 2,498 |
| Net operating income to assets | 1.0343% | 2,033 |
| Return on assets (ROA) | 1.0353% | 2,007 |
| Pretax return on assets | 1.3790% | 1,499 |
| Return on Equity (ROE) | 11.4922% | 1,835 |
| Retained earnings to average equity (ytd only) | 3.2351% | 3,376 |
| Net charge-offs to loans | 0.3318% | 209 |
| Credit loss provision to net charge-offs | 4.3870% | 1,648 |
| Earnings coverage of net charge-offs (x) | 10.6001% | 1,753 |
| Efficiency ratio | 54.3192% | 3,932 |
| Assets per employee ($millions) | 9.0303% | 875 |
| Cash dividends to net income (ytd only)* | 71.8494% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 3,970 |
| Loan loss allowance to noncurrent loans | 303.5019% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 2,869 |
| Noncurrent loans to loans | 0.2945% | 2,290 |
| Net loans and leases to total assets | 40.2399% | 4,061 |
| Net loans and leases to deposits | 51.9533% | 3,686 |
| Net loans and leases to core deposits | 52.5226% | 3,785 |
| Total domestic deposits to total assets | 77.4540% | 4,384 |
| Equity capital to assets | 8.2675% | 2,931 |
| Core capital (leverage) ratio | 10.0266% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2404% | 685 |
| Memoranda: | ||
| Average total assets | $5,449,202,667 | 256 |
| Average earning assets | $5,299,176,000 | 246 |
| Average equity | $490,922,333 | 268 |
| Average total loans | $2,143,273,333 | 347 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6297% | 4,070 |
| Cost of funding earning assets | 0.0349% | 4,690 |
| Net interest margin | 2.5948% | 3,669 |
| Noninterest income to average assets | 0.4101% | 2,620 |
| Noninterest expense to average assets | 1.6232% | 4,261 |
| Loan and lease loss provision to assets | -0.0230% | 4,457 |
| Net operating income to assets | 1.0086% | 1,844 |
| Return on assets (ROA) | 1.0086% | 1,841 |
| Pretax return on assets | 1.3394% | 1,411 |
| Return on Equity (ROE) | 10.7616% | 1,700 |
| Retained earnings to average equity (ytd only) | 2.8794% | 3,302 |
| Net charge-offs to loans | -0.0030% | 3,186 |
| Credit loss provision to net charge-offs | 1,975.0000% | 217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2200% | 3,946 |
| Assets per employee ($millions) | 9.0490% | 892 |
| Cash dividends to net income (ytd only)* | 73.2437% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,458 |
| Loan loss allowance to noncurrent loans | 136.5064% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 1,890 |
| Noncurrent loans to loans | 0.7837% | 1,212 |
| Net loans and leases to total assets | 38.7524% | 4,080 |
| Net loans and leases to deposits | 50.5335% | 3,694 |
| Net loans and leases to core deposits | 51.0485% | 3,802 |
| Total domestic deposits to total assets | 76.6865% | 4,476 |
| Equity capital to assets | 8.7892% | 2,887 |
| Core capital (leverage) ratio | 10.0460% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7662% | 668 |
| Memoranda: | ||
| Average total assets | $5,487,278,500 | 257 |
| Average earning assets | $5,349,233,500 | 247 |
| Average equity | $514,274,500 | 268 |
| Average total loans | $2,124,104,000 | 349 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8882% | 4,075 |
| Cost of funding earning assets | 0.0310% | 4,755 |
| Net interest margin | 2.8572% | 3,537 |
| Noninterest income to average assets | 0.5177% | 2,489 |
| Noninterest expense to average assets | 1.7705% | 4,193 |
| Loan and lease loss provision to assets | 0.0466% | 2,127 |
| Net operating income to assets | 1.1205% | 2,209 |
| Return on assets (ROA) | 1.1206% | 2,270 |
| Pretax return on assets | 1.4940% | 1,748 |
| Return on Equity (ROE) | 10.2318% | 2,443 |
| Retained earnings to average equity (ytd only) | 1.3564% | 4,159 |
| Net charge-offs to loans | 0.0481% | 1,345 |
| Credit loss provision to net charge-offs | 225.3482% | 1,233 |
| Earnings coverage of net charge-offs (x) | 74.5543% | 1,038 |
| Efficiency ratio | 53.4759% | 3,987 |
| Assets per employee ($millions) | 9.2868% | 841 |
| Cash dividends to net income (ytd only)* | 86.7429% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,474 |
| Loan loss allowance to noncurrent loans | 125.9072% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 1,930 |
| Noncurrent loans to loans | 0.8517% | 1,192 |
| Net loans and leases to total assets | 37.8530% | 4,198 |
| Net loans and leases to deposits | 50.1007% | 3,868 |
| Net loans and leases to core deposits | 50.5910% | 3,986 |
| Total domestic deposits to total assets | 75.5540% | 4,531 |
| Equity capital to assets | 9.9354% | 2,718 |
| Core capital (leverage) ratio | 9.8170% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9385% | 656 |
| Memoranda: | ||
| Average total assets | $5,212,723,400 | 265 |
| Average earning assets | $5,095,985,600 | 249 |
| Average equity | $570,907,400 | 249 |
| Average total loans | $2,237,573,400 | 332 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8777% | 4,201 |
| Cost of funding earning assets | 0.0314% | 4,837 |
| Net interest margin | 2.8463% | 3,666 |
| Noninterest income to average assets | 0.5422% | 2,449 |
| Noninterest expense to average assets | 1.7836% | 4,200 |
| Loan and lease loss provision to assets | 0.0804% | 1,478 |
| Net operating income to assets | 1.0952% | 2,575 |
| Return on assets (ROA) | 1.0954% | 2,630 |
| Pretax return on assets | 1.4604% | 2,108 |
| Return on Equity (ROE) | 9.7553% | 2,823 |
| Retained earnings to average equity (ytd only) | 0.3559% | 4,514 |
| Net charge-offs to loans | 0.0670% | 973 |
| Credit loss provision to net charge-offs | 271.5040% | 1,051 |
| Earnings coverage of net charge-offs (x) | 52.0361% | 1,221 |
| Efficiency ratio | 53.6564% | 3,847 |
| Assets per employee ($millions) | 9.2019% | 836 |
| Cash dividends to net income (ytd only)* | 96.3514% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 3,703 |
| Loan loss allowance to noncurrent loans | 133.6594% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 2,177 |
| Noncurrent loans to loans | 0.7792% | 1,451 |
| Net loans and leases to total assets | 40.4424% | 4,186 |
| Net loans and leases to deposits | 54.4256% | 3,699 |
| Net loans and leases to core deposits | 54.9551% | 3,855 |
| Total domestic deposits to total assets | 74.3077% | 4,627 |
| Equity capital to assets | 10.2347% | 2,674 |
| Core capital (leverage) ratio | 9.9678% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8506% | 708 |
| Memoranda: | ||
| Average total assets | $5,120,569,250 | 267 |
| Average earning assets | $5,004,938,250 | 252 |
| Average equity | $575,001,750 | 247 |
| Average total loans | $2,263,065,000 | 333 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9957% | 4,054 |
| Cost of funding earning assets | 0.0328% | 4,873 |
| Net interest margin | 2.9629% | 3,412 |
| Noninterest income to average assets | 0.5335% | 2,471 |
| Noninterest expense to average assets | 1.8396% | 4,099 |
| Loan and lease loss provision to assets | 0.1095% | 1,155 |
| Net operating income to assets | 1.1096% | 2,509 |
| Return on assets (ROA) | 1.1099% | 2,569 |
| Pretax return on assets | 1.4793% | 2,082 |
| Return on Equity (ROE) | 9.5713% | 2,922 |
| Retained earnings to average equity (ytd only) | 2.5619% | 3,980 |
| Net charge-offs to loans | 0.0689% | 941 |
| Credit loss provision to net charge-offs | 350.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 50.7769% | 1,062 |
| Efficiency ratio | 53.6653% | 3,844 |
| Assets per employee ($millions) | 8.6798% | 959 |
| Cash dividends to net income (ytd only)* | 73.2331% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,713 |
| Loan loss allowance to noncurrent loans | 238.8940% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 2,865 |
| Noncurrent loans to loans | 0.4316% | 2,387 |
| Net loans and leases to total assets | 42.2588% | 4,163 |
| Net loans and leases to deposits | 57.6824% | 3,573 |
| Net loans and leases to core deposits | 58.4044% | 3,736 |
| Total domestic deposits to total assets | 73.2611% | 4,679 |
| Equity capital to assets | 10.8142% | 2,136 |
| Core capital (leverage) ratio | 10.8083% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5044% | 648 |
| Memoranda: | ||
| Average total assets | $4,987,050,333 | 268 |
| Average earning assets | $4,871,926,333 | 255 |
| Average equity | $578,312,667 | 244 |
| Average total loans | $2,265,294,000 | 331 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1624% | 3,753 |
| Cost of funding earning assets | 0.0361% | 4,904 |
| Net interest margin | 3.1263% | 2,911 |
| Noninterest income to average assets | 0.5128% | 2,555 |
| Noninterest expense to average assets | 1.8746% | 4,043 |
| Loan and lease loss provision to assets | 0.1411% | 947 |
| Net operating income to assets | 1.1613% | 2,295 |
| Return on assets (ROA) | 1.1620% | 2,359 |
| Pretax return on assets | 1.5496% | 1,857 |
| Return on Equity (ROE) | 9.6587% | 2,800 |
| Retained earnings to average equity (ytd only) | 2.6557% | 3,885 |
| Net charge-offs to loans | -0.0537% | 4,422 |
| Credit loss provision to net charge-offs | -560.0660% | 3,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5912% | 3,948 |
| Assets per employee ($millions) | 7.7359% | 1,321 |
| Cash dividends to net income (ytd only)* | 72.5048% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,733 |
| Loan loss allowance to noncurrent loans | 169.9993% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 2,690 |
| Noncurrent loans to loans | 0.6051% | 2,057 |
| Net loans and leases to total assets | 45.9828% | 3,957 |
| Net loans and leases to deposits | 64.9881% | 3,026 |
| Net loans and leases to core deposits | 65.9116% | 3,249 |
| Total domestic deposits to total assets | 70.7556% | 4,754 |
| Equity capital to assets | 11.5890% | 1,487 |
| Core capital (leverage) ratio | 11.4511% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7186% | 608 |
| Memoranda: | ||
| Average total assets | $4,811,549,500 | 270 |
| Average earning assets | $4,696,742,500 | 256 |
| Average equity | $578,836,000 | 242 |
| Average total loans | $2,258,293,500 | 333 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5205% | 3,988 |
| Cost of funding earning assets | 0.0926% | 4,877 |
| Net interest margin | 3.4279% | 2,682 |
| Noninterest income to average assets | 0.5873% | 2,268 |
| Noninterest expense to average assets | 2.1087% | 3,918 |
| Loan and lease loss provision to assets | 0.0506% | 3,745 |
| Net operating income to assets | 1.3176% | 1,204 |
| Return on assets (ROA) | 1.3272% | 1,281 |
| Pretax return on assets | 1.7795% | 722 |
| Return on Equity (ROE) | 9.9699% | 2,014 |
| Retained earnings to average equity (ytd only) | 1.1896% | 4,155 |
| Net charge-offs to loans | 0.0066% | 3,105 |
| Credit loss provision to net charge-offs | 1,513.7931% | 548 |
| Earnings coverage of net charge-offs (x) | 543.5379% | 217 |
| Efficiency ratio | 53.7015% | 4,243 |
| Assets per employee ($millions) | 7.3594% | 1,358 |
| Cash dividends to net income (ytd only)* | 88.0681% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 3,980 |
| Loan loss allowance to noncurrent loans | 158.0723% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 2,800 |
| Noncurrent loans to loans | 0.6121% | 2,165 |
| Net loans and leases to total assets | 46.9735% | 4,058 |
| Net loans and leases to deposits | 70.8460% | 2,789 |
| Net loans and leases to core deposits | 72.0206% | 3,073 |
| Total domestic deposits to total assets | 66.3037% | 4,842 |
| Equity capital to assets | 12.4931% | 1,327 |
| Core capital (leverage) ratio | 11.5213% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7556% | 607 |
| Memoranda: | ||
| Average total assets | $4,335,146,600 | 271 |
| Average earning assets | $4,223,132,200 | 254 |
| Average equity | $577,088,000 | 239 |
| Average total loans | $2,181,971,200 | 327 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 3,958 |
| Cost of funding earning assets | 0.1095% | 4,907 |
| Net interest margin | 3.5172% | 2,536 |
| Noninterest income to average assets | 0.5761% | 2,273 |
| Noninterest expense to average assets | 2.0865% | 3,974 |
| Loan and lease loss provision to assets | 0.0679% | 3,480 |
| Net operating income to assets | 1.3809% | 1,151 |
| Return on assets (ROA) | 1.3905% | 1,220 |
| Pretax return on assets | 1.8585% | 700 |
| Return on Equity (ROE) | 10.2706% | 1,919 |
| Retained earnings to average equity (ytd only) | 0.8665% | 4,292 |
| Net charge-offs to loans | 0.0069% | 2,874 |
| Credit loss provision to net charge-offs | 1,914.1593% | 493 |
| Earnings coverage of net charge-offs (x) | 539.4071% | 218 |
| Efficiency ratio | 52.1509% | 4,334 |
| Assets per employee ($millions) | 7.4544% | 1,241 |
| Cash dividends to net income (ytd only)* | 91.5633% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 3,970 |
| Loan loss allowance to noncurrent loans | 164.8184% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 2,988 |
| Noncurrent loans to loans | 0.5657% | 2,384 |
| Net loans and leases to total assets | 48.5294% | 4,191 |
| Net loans and leases to deposits | 75.1808% | 2,830 |
| Net loans and leases to core deposits | 76.3959% | 3,140 |
| Total domestic deposits to total assets | 64.5503% | 4,878 |
| Equity capital to assets | 12.4067% | 1,466 |
| Core capital (leverage) ratio | 11.6345% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8358% | 598 |
| Memoranda: | ||
| Average total assets | $4,245,104,500 | 269 |
| Average earning assets | $4,133,696,500 | 255 |
| Average equity | $574,712,750 | 236 |
| Average total loans | $2,170,687,500 | 327 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 3,890 |
| Cost of funding earning assets | 0.1438% | 4,893 |
| Net interest margin | 3.6434% | 2,334 |
| Noninterest income to average assets | 0.5750% | 2,230 |
| Noninterest expense to average assets | 2.1689% | 3,881 |
| Loan and lease loss provision to assets | 0.0936% | 3,102 |
| Net operating income to assets | 1.3904% | 1,134 |
| Return on assets (ROA) | 1.4052% | 1,192 |
| Pretax return on assets | 1.8755% | 703 |
| Return on Equity (ROE) | 10.0564% | 1,960 |
| Retained earnings to average equity (ytd only) | 2.9590% | 3,410 |
| Net charge-offs to loans | -0.0129% | 4,278 |
| Credit loss provision to net charge-offs | -1,396.3504% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6532% | 4,307 |
| Assets per employee ($millions) | 7.2123% | 1,323 |
| Cash dividends to net income (ytd only)* | 70.5759% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,893 |
| Loan loss allowance to noncurrent loans | 161.2662% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,135 |
| Noncurrent loans to loans | 0.5747% | 2,435 |
| Net loans and leases to total assets | 50.1458% | 4,160 |
| Net loans and leases to deposits | 79.1128% | 2,530 |
| Net loans and leases to core deposits | 80.3295% | 2,919 |
| Total domestic deposits to total assets | 63.3852% | 4,924 |
| Equity capital to assets | 12.8415% | 1,224 |
| Core capital (leverage) ratio | 12.7157% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8295% | 597 |
| Memoranda: | ||
| Average total assets | $4,087,259,333 | 277 |
| Average earning assets | $3,975,950,667 | 262 |
| Average equity | $571,140,667 | 238 |
| Average total loans | $2,123,757,000 | 325 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,906 |
| Cost of funding earning assets | 0.2491% | 4,775 |
| Net interest margin | 3.7086% | 2,297 |
| Noninterest income to average assets | 0.5723% | 2,165 |
| Noninterest expense to average assets | 2.2292% | 3,932 |
| Loan and lease loss provision to assets | -0.0038% | 5,034 |
| Net operating income to assets | 1.4610% | 854 |
| Return on assets (ROA) | 1.4761% | 903 |
| Pretax return on assets | 1.9677% | 489 |
| Return on Equity (ROE) | 10.0746% | 1,724 |
| Retained earnings to average equity (ytd only) | 2.8583% | 3,138 |
| Net charge-offs to loans | -0.0071% | 3,960 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4083% | 4,442 |
| Assets per employee ($millions) | 5.9466% | 1,724 |
| Cash dividends to net income (ytd only)* | 71.6285% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 3,869 |
| Loan loss allowance to noncurrent loans | 187.6624% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 3,244 |
| Noncurrent loans to loans | 0.5147% | 2,723 |
| Net loans and leases to total assets | 51.8057% | 4,127 |
| Net loans and leases to deposits | 82.2445% | 2,424 |
| Net loans and leases to core deposits | 83.7087% | 2,874 |
| Total domestic deposits to total assets | 62.9899% | 5,006 |
| Equity capital to assets | 14.9191% | 777 |
| Core capital (leverage) ratio | 14.1404% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7144% | 673 |
| Memoranda: | ||
| Average total assets | $3,833,786,500 | 285 |
| Average earning assets | $3,723,285,000 | 268 |
| Average equity | $561,728,000 | 246 |
| Average total loans | $2,022,959,500 | 330 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 3,922 |
| Cost of funding earning assets | 0.4152% | 4,394 |
| Net interest margin | 3.7371% | 2,706 |
| Noninterest income to average assets | 0.6123% | 2,166 |
| Noninterest expense to average assets | 2.2716% | 4,018 |
| Loan and lease loss provision to assets | 0.0079% | 3,850 |
| Net operating income to assets | 1.4715% | 1,123 |
| Return on assets (ROA) | 1.4739% | 1,177 |
| Pretax return on assets | 1.9606% | 653 |
| Return on Equity (ROE) | 10.4846% | 2,089 |
| Retained earnings to average equity (ytd only) | 1.8874% | 4,048 |
| Net charge-offs to loans | 0.0099% | 3,329 |
| Credit loss provision to net charge-offs | 150.5051% | 1,695 |
| Earnings coverage of net charge-offs (x) | 374.7475% | 239 |
| Efficiency ratio | 53.6128% | 4,459 |
| Assets per employee ($millions) | 5.8951% | 1,717 |
| Cash dividends to net income (ytd only)* | 81.9984% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,688 |
| Loan loss allowance to noncurrent loans | 282.9367% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 3,598 |
| Noncurrent loans to loans | 0.3400% | 3,226 |
| Net loans and leases to total assets | 52.7163% | 4,168 |
| Net loans and leases to deposits | 84.0767% | 2,324 |
| Net loans and leases to core deposits | 85.6173% | 2,813 |
| Total domestic deposits to total assets | 62.7003% | 5,065 |
| Equity capital to assets | 14.3814% | 972 |
| Core capital (leverage) ratio | 13.7621% | 989 |
| Tier 1 risk-based capital ratio | 20.3304% | 1,271 |
| Total risk-based capital ratio | 21.1103% | 1,312 |
| Memoranda: | ||
| Average total assets | $3,775,258,600 | 276 |
| Average earning assets | $3,661,666,200 | 262 |
| Average equity | $530,730,400 | 242 |
| Average total loans | $2,007,051,800 | 324 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 4,062 |
| Cost of funding earning assets | 0.4436% | 4,351 |
| Net interest margin | 3.6971% | 2,933 |
| Noninterest income to average assets | 0.6101% | 2,156 |
| Noninterest expense to average assets | 2.2274% | 4,132 |
| Loan and lease loss provision to assets | 0.0107% | 3,676 |
| Net operating income to assets | 1.4626% | 1,297 |
| Return on assets (ROA) | 1.4658% | 1,341 |
| Pretax return on assets | 1.9602% | 749 |
| Return on Equity (ROE) | 10.4880% | 2,219 |
| Retained earnings to average equity (ytd only) | 1.5007% | 4,435 |
| Net charge-offs to loans | 0.0134% | 2,894 |
| Credit loss provision to net charge-offs | 149.7512% | 1,640 |
| Earnings coverage of net charge-offs (x) | 276.4561% | 333 |
| Efficiency ratio | 53.1076% | 4,483 |
| Assets per employee ($millions) | 6.0363% | 1,581 |
| Cash dividends to net income (ytd only)* | 85.6912% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,780 |
| Loan loss allowance to noncurrent loans | 245.0980% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 3,568 |
| Noncurrent loans to loans | 0.3917% | 3,138 |
| Net loans and leases to total assets | 52.3110% | 4,300 |
| Net loans and leases to deposits | 82.4380% | 2,628 |
| Net loans and leases to core deposits | 83.8943% | 3,102 |
| Total domestic deposits to total assets | 63.4549% | 5,131 |
| Equity capital to assets | 14.1932% | 1,079 |
| Core capital (leverage) ratio | 13.8661% | 1,019 |
| Tier 1 risk-based capital ratio | 20.2677% | 1,328 |
| Total risk-based capital ratio | 21.0508% | 1,365 |
| Memoranda: | ||
| Average total assets | $3,767,009,750 | 280 |
| Average earning assets | $3,651,865,750 | 266 |
| Average equity | $526,492,500 | 244 |
| Average total loans | $2,002,047,250 | 327 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 4,097 |
| Cost of funding earning assets | 0.4582% | 4,294 |
| Net interest margin | 3.6687% | 3,036 |
| Noninterest income to average assets | 0.5923% | 2,185 |
| Noninterest expense to average assets | 2.2414% | 4,146 |
| Loan and lease loss provision to assets | 0.0065% | 3,600 |
| Net operating income to assets | 1.4214% | 1,374 |
| Return on assets (ROA) | 1.4214% | 1,424 |
| Pretax return on assets | 1.8989% | 838 |
| Return on Equity (ROE) | 10.2243% | 2,281 |
| Retained earnings to average equity (ytd only) | 0.4761% | 4,576 |
| Net charge-offs to loans | 0.0022% | 3,098 |
| Credit loss provision to net charge-offs | 554.5455% | 556 |
| Earnings coverage of net charge-offs (x) | 1,620.0909% | 39 |
| Efficiency ratio | 54.0500% | 4,464 |
| Assets per employee ($millions) | 5.8337% | 1,665 |
| Cash dividends to net income (ytd only)* | 95.3436% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 3,783 |
| Loan loss allowance to noncurrent loans | 265.8487% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 3,605 |
| Noncurrent loans to loans | 0.3648% | 3,216 |
| Net loans and leases to total assets | 52.9122% | 4,293 |
| Net loans and leases to deposits | 84.2867% | 2,464 |
| Net loans and leases to core deposits | 85.8591% | 2,973 |
| Total domestic deposits to total assets | 62.7765% | 5,185 |
| Equity capital to assets | 14.2093% | 1,051 |
| Core capital (leverage) ratio | 14.1007% | 934 |
| Tier 1 risk-based capital ratio | 20.0155% | 1,349 |
| Total risk-based capital ratio | 20.7958% | 1,402 |
| Memoranda: | ||
| Average total assets | $3,740,979,000 | 283 |
| Average earning assets | $3,624,677,000 | 266 |
| Average equity | $520,075,670 | 245 |
| Average total loans | $1,992,426,330 | 332 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 4,125 |
| Cost of funding earning assets | 0.4571% | 4,257 |
| Net interest margin | 3.6436% | 3,095 |
| Noninterest income to average assets | 0.5525% | 2,274 |
| Noninterest expense to average assets | 2.1448% | 4,384 |
| Loan and lease loss provision to assets | 0.0012% | 3,400 |
| Net operating income to assets | 1.4511% | 1,229 |
| Return on assets (ROA) | 1.4511% | 1,259 |
| Pretax return on assets | 1.9394% | 723 |
| Return on Equity (ROE) | 10.5557% | 2,139 |
| Retained earnings to average equity (ytd only) | -1.3081% | 4,685 |
| Net charge-offs to loans | 0.0022% | 2,678 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 1,645.0909% | 24 |
| Efficiency ratio | 52.5002% | 4,660 |
| Assets per employee ($millions) | 5.7648% | 1,736 |
| Cash dividends to net income (ytd only)* | 112.3928% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 3,855 |
| Loan loss allowance to noncurrent loans | 238.7398% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 3,583 |
| Noncurrent loans to loans | 0.4076% | 3,126 |
| Net loans and leases to total assets | 53.2571% | 4,254 |
| Net loans and leases to deposits | 83.2661% | 2,472 |
| Net loans and leases to core deposits | 85.0094% | 2,954 |
| Total domestic deposits to total assets | 63.9601% | 5,241 |
| Equity capital to assets | 13.9939% | 1,040 |
| Core capital (leverage) ratio | 13.9764% | 963 |
| Tier 1 risk-based capital ratio | 20.1550% | 1,315 |
| Total risk-based capital ratio | 20.9412% | 1,378 |
| Memoranda: | ||
| Average total assets | $3,730,109,500 | 283 |
| Average earning assets | $3,616,793,500 | 268 |
| Average equity | $512,786,000 | 248 |
| Average total loans | $1,983,420,500 | 335 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 3,957 |
| Cost of funding earning assets | 0.3165% | 4,489 |
| Net interest margin | 3.7073% | 3,008 |
| Noninterest income to average assets | 0.7766% | 1,535 |
| Noninterest expense to average assets | 2.3266% | 4,063 |
| Loan and lease loss provision to assets | 0.0541% | 3,092 |
| Net operating income to assets | 1.5095% | 1,094 |
| Return on assets (ROA) | 1.4677% | 1,201 |
| Pretax return on assets | 1.9192% | 681 |
| Return on Equity (ROE) | 10.9290% | 2,110 |
| Retained earnings to average equity (ytd only) | 3.6297% | 3,584 |
| Net charge-offs to loans | 0.0219% | 2,988 |
| Credit loss provision to net charge-offs | 476.7943% | 714 |
| Earnings coverage of net charge-offs (x) | 178.6746% | 488 |
| Efficiency ratio | 53.4513% | 4,664 |
| Assets per employee ($millions) | 5.8193% | 1,657 |
| Cash dividends to net income (ytd only)* | 66.7887% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,789 |
| Loan loss allowance to noncurrent loans | 247.4174% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 3,582 |
| Noncurrent loans to loans | 0.3973% | 3,105 |
| Net loans and leases to total assets | 52.0567% | 4,407 |
| Net loans and leases to deposits | 80.7312% | 2,880 |
| Net loans and leases to core deposits | 82.2399% | 3,242 |
| Total domestic deposits to total assets | 64.4815% | 5,271 |
| Equity capital to assets | 13.5035% | 1,144 |
| Core capital (leverage) ratio | 13.6166% | 1,037 |
| Tier 1 risk-based capital ratio | 20.1051% | 1,288 |
| Total risk-based capital ratio | 20.8862% | 1,345 |
| Memoranda: | ||
| Average total assets | $3,686,154,000 | 279 |
| Average earning assets | $3,555,691,400 | 267 |
| Average equity | $495,030,000 | 247 |
| Average total loans | $1,907,094,600 | 340 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 4,068 |
| Cost of funding earning assets | 0.2781% | 4,642 |
| Net interest margin | 3.6750% | 3,102 |
| Noninterest income to average assets | 0.8203% | 1,412 |
| Noninterest expense to average assets | 2.2748% | 4,160 |
| Loan and lease loss provision to assets | 0.0539% | 2,892 |
| Net operating income to assets | 1.5521% | 1,060 |
| Return on assets (ROA) | 1.5140% | 1,154 |
| Pretax return on assets | 1.9839% | 645 |
| Return on Equity (ROE) | 11.2899% | 2,057 |
| Retained earnings to average equity (ytd only) | 4.2464% | 3,651 |
| Net charge-offs to loans | 0.0147% | 2,897 |
| Credit loss provision to net charge-offs | 712.9808% | 524 |
| Earnings coverage of net charge-offs (x) | 275.9868% | 337 |
| Efficiency ratio | 52.1661% | 4,794 |
| Assets per employee ($millions) | 5.9079% | 1,567 |
| Cash dividends to net income (ytd only)* | 62.3875% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,805 |
| Loan loss allowance to noncurrent loans | 263.3030% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,717 |
| Noncurrent loans to loans | 0.3776% | 3,298 |
| Net loans and leases to total assets | 50.6151% | 4,556 |
| Net loans and leases to deposits | 76.9948% | 3,326 |
| Net loans and leases to core deposits | 78.4934% | 3,620 |
| Total domestic deposits to total assets | 65.7384% | 5,327 |
| Equity capital to assets | 13.1202% | 1,281 |
| Core capital (leverage) ratio | 13.8328% | 986 |
| Tier 1 risk-based capital ratio | 19.9284% | 1,349 |
| Total risk-based capital ratio | 20.6945% | 1,414 |
| Memoranda: | ||
| Average total assets | $3,669,326,000 | 280 |
| Average earning assets | $3,534,953,500 | 266 |
| Average equity | $492,074,750 | 245 |
| Average total loans | $1,890,535,250 | 341 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 4,083 |
| Cost of funding earning assets | 0.2444% | 4,775 |
| Net interest margin | 3.6551% | 3,095 |
| Noninterest income to average assets | 0.6324% | 2,169 |
| Noninterest expense to average assets | 2.2944% | 4,156 |
| Loan and lease loss provision to assets | 0.0119% | 3,618 |
| Net operating income to assets | 1.4180% | 1,371 |
| Return on assets (ROA) | 1.4150% | 1,387 |
| Pretax return on assets | 1.8403% | 888 |
| Return on Equity (ROE) | 10.4731% | 2,345 |
| Retained earnings to average equity (ytd only) | 4.0250% | 3,607 |
| Net charge-offs to loans | 0.0124% | 2,717 |
| Credit loss provision to net charge-offs | 185.4701% | 1,371 |
| Earnings coverage of net charge-offs (x) | 288.7350% | 313 |
| Efficiency ratio | 55.2793% | 4,560 |
| Assets per employee ($millions) | 5.7268% | 1,699 |
| Cash dividends to net income (ytd only)* | 61.5680% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 4,211 |
| Loan loss allowance to noncurrent loans | 172.1571% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 2,942 |
| Noncurrent loans to loans | 0.5396% | 2,798 |
| Net loans and leases to total assets | 52.4069% | 4,449 |
| Net loans and leases to deposits | 79.2160% | 3,032 |
| Net loans and leases to core deposits | 80.7464% | 3,351 |
| Total domestic deposits to total assets | 66.1570% | 5,384 |
| Equity capital to assets | 13.4237% | 1,130 |
| Core capital (leverage) ratio | 14.1209% | 877 |
| Tier 1 risk-based capital ratio | 19.2413% | 1,490 |
| Total risk-based capital ratio | 19.9921% | 1,572 |
| Memoranda: | ||
| Average total assets | $3,639,966,000 | 279 |
| Average earning assets | $3,503,665,670 | 265 |
| Average equity | $491,773,330 | 240 |
| Average total loans | $1,880,408,670 | 339 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 4,110 |
| Cost of funding earning assets | 0.2067% | 4,975 |
| Net interest margin | 3.6324% | 3,058 |
| Noninterest income to average assets | 0.5954% | 2,283 |
| Noninterest expense to average assets | 2.2020% | 4,411 |
| Loan and lease loss provision to assets | 0.0040% | 3,461 |
| Net operating income to assets | 1.4547% | 1,183 |
| Return on assets (ROA) | 1.4485% | 1,205 |
| Pretax return on assets | 1.8815% | 761 |
| Return on Equity (ROE) | 10.6873% | 2,090 |
| Retained earnings to average equity (ytd only) | 4.2523% | 3,489 |
| Net charge-offs to loans | -0.0138% | 4,382 |
| Credit loss provision to net charge-offs | -56.2500% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7689% | 4,819 |
| Assets per employee ($millions) | 5.5931% | 1,852 |
| Cash dividends to net income (ytd only)* | 60.2111% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 4,201 |
| Loan loss allowance to noncurrent loans | 175.3571% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 2,736 |
| Noncurrent loans to loans | 0.5436% | 2,897 |
| Net loans and leases to total assets | 51.4639% | 4,470 |
| Net loans and leases to deposits | 77.3436% | 3,079 |
| Net loans and leases to core deposits | 78.7912% | 3,428 |
| Total domestic deposits to total assets | 66.5393% | 5,453 |
| Equity capital to assets | 13.5059% | 1,043 |
| Core capital (leverage) ratio | 14.1055% | 853 |
| Tier 1 risk-based capital ratio | 19.4598% | 1,444 |
| Total risk-based capital ratio | 20.2254% | 1,522 |
| Memoranda: | ||
| Average total assets | $3,635,954,000 | 277 |
| Average earning assets | $3,503,361,500 | 265 |
| Average equity | $492,811,500 | 242 |
| Average total loans | $1,855,751,000 | 344 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 4,372 |
| Cost of funding earning assets | 0.1025% | 5,487 |
| Net interest margin | 3.5821% | 3,234 |
| Noninterest income to average assets | 0.6554% | 2,164 |
| Noninterest expense to average assets | 2.3146% | 4,287 |
| Loan and lease loss provision to assets | 0.0712% | 2,781 |
| Net operating income to assets | 1.0187% | 2,161 |
| Return on assets (ROA) | 1.0023% | 2,266 |
| Pretax return on assets | 1.6936% | 1,021 |
| Return on Equity (ROE) | 7.2667% | 3,142 |
| Retained earnings to average equity (ytd only) | 0.9408% | 4,643 |
| Net charge-offs to loans | 0.0772% | 2,346 |
| Credit loss provision to net charge-offs | 190.0073% | 1,436 |
| Earnings coverage of net charge-offs (x) | 47.8068% | 1,121 |
| Efficiency ratio | 56.3855% | 4,723 |
| Assets per employee ($millions) | 5.7170% | 1,740 |
| Cash dividends to net income (ytd only)* | 87.0536% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 4,089 |
| Loan loss allowance to noncurrent loans | 200.5287% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 2,844 |
| Noncurrent loans to loans | 0.4854% | 3,062 |
| Net loans and leases to total assets | 49.6393% | 4,672 |
| Net loans and leases to deposits | 74.3860% | 3,491 |
| Net loans and leases to core deposits | 76.0932% | 3,735 |
| Total domestic deposits to total assets | 66.7321% | 5,502 |
| Equity capital to assets | 13.6014% | 1,019 |
| Core capital (leverage) ratio | 13.4780% | 973 |
| Tier 1 risk-based capital ratio | 19.2530% | 1,458 |
| Total risk-based capital ratio | 20.0145% | 1,526 |
| Memoranda: | ||
| Average total assets | $3,634,249,000 | 270 |
| Average earning assets | $3,499,774,800 | 259 |
| Average equity | $501,289,000 | 229 |
| Average total loans | $1,762,104,000 | 344 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 4,491 |
| Cost of funding earning assets | 0.0890% | 5,592 |
| Net interest margin | 3.5414% | 3,347 |
| Noninterest income to average assets | 0.6740% | 2,110 |
| Noninterest expense to average assets | 2.2431% | 4,434 |
| Loan and lease loss provision to assets | 0.0633% | 2,803 |
| Net operating income to assets | 1.1796% | 1,776 |
| Return on assets (ROA) | 1.1846% | 1,798 |
| Pretax return on assets | 1.7859% | 920 |
| Return on Equity (ROE) | 8.5578% | 2,834 |
| Retained earnings to average equity (ytd only) | 3.5082% | 3,827 |
| Net charge-offs to loans | 0.0572% | 2,318 |
| Credit loss provision to net charge-offs | 230.3476% | 1,212 |
| Earnings coverage of net charge-offs (x) | 67.0253% | 928 |
| Efficiency ratio | 54.9138% | 4,857 |
| Assets per employee ($millions) | 5.8144% | 1,641 |
| Cash dividends to net income (ytd only)* | 59.0058% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 4,205 |
| Loan loss allowance to noncurrent loans | 172.3884% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 2,826 |
| Noncurrent loans to loans | 0.5661% | 2,999 |
| Net loans and leases to total assets | 47.7773% | 4,843 |
| Net loans and leases to deposits | 70.1451% | 3,948 |
| Net loans and leases to core deposits | 71.7116% | 4,151 |
| Total domestic deposits to total assets | 68.1120% | 5,533 |
| Equity capital to assets | 13.7070% | 1,074 |
| Core capital (leverage) ratio | 13.8870% | 919 |
| Tier 1 risk-based capital ratio | 19.5587% | 1,463 |
| Total risk-based capital ratio | 20.3120% | 1,530 |
| Memoranda: | ||
| Average total assets | $3,629,525,750 | 270 |
| Average earning assets | $3,495,742,750 | 259 |
| Average equity | $502,392,000 | 229 |
| Average total loans | $1,744,825,000 | 349 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 4,494 |
| Cost of funding earning assets | 0.0705% | 5,681 |
| Net interest margin | 3.5362% | 3,271 |
| Noninterest income to average assets | 0.6741% | 2,105 |
| Noninterest expense to average assets | 2.2830% | 4,391 |
| Loan and lease loss provision to assets | 0.0945% | 2,096 |
| Net operating income to assets | 1.1354% | 1,835 |
| Return on assets (ROA) | 1.1430% | 1,862 |
| Pretax return on assets | 1.7143% | 1,023 |
| Return on Equity (ROE) | 8.2299% | 2,900 |
| Retained earnings to average equity (ytd only) | 3.1484% | 3,835 |
| Net charge-offs to loans | -0.0002% | 4,112 |
| Credit loss provision to net charge-offs | -84,900.0000% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9497% | 4,833 |
| Assets per employee ($millions) | 5.4736% | 1,895 |
| Cash dividends to net income (ytd only)* | 61.7444% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 3,938 |
| Loan loss allowance to noncurrent loans | 180.4556% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 2,800 |
| Noncurrent loans to loans | 0.5732% | 3,006 |
| Net loans and leases to total assets | 48.3193% | 4,803 |
| Net loans and leases to deposits | 70.8305% | 3,842 |
| Net loans and leases to core deposits | 72.4285% | 4,062 |
| Total domestic deposits to total assets | 68.2181% | 5,589 |
| Equity capital to assets | 13.9696% | 976 |
| Core capital (leverage) ratio | 14.1816% | 807 |
| Tier 1 risk-based capital ratio | 19.7315% | 1,428 |
| Total risk-based capital ratio | 20.4790% | 1,486 |
| Memoranda: | ||
| Average total assets | $3,595,083,000 | 274 |
| Average earning assets | $3,463,073,000 | 262 |
| Average equity | $499,301,670 | 232 |
| Average total loans | $1,726,090,000 | 354 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5363% | 4,586 |
| Cost of funding earning assets | 0.0561% | 5,773 |
| Net interest margin | 3.4802% | 3,354 |
| Noninterest income to average assets | 0.6430% | 2,213 |
| Noninterest expense to average assets | 2.2464% | 4,543 |
| Loan and lease loss provision to assets | 0.1572% | 1,150 |
| Net operating income to assets | 1.0657% | 2,006 |
| Return on assets (ROA) | 1.0743% | 2,010 |
| Pretax return on assets | 1.6037% | 1,231 |
| Return on Equity (ROE) | 7.7579% | 3,038 |
| Retained earnings to average equity (ytd only) | 2.6411% | 4,082 |
| Net charge-offs to loans | 0.0016% | 2,910 |
| Credit loss provision to net charge-offs | 20,100.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 2,235.5714% | 12 |
| Efficiency ratio | 56.2376% | 4,912 |
| Assets per employee ($millions) | 5.4644% | 1,925 |
| Cash dividends to net income (ytd only)* | 65.9561% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 3,994 |
| Loan loss allowance to noncurrent loans | 161.4060% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 2,759 |
| Noncurrent loans to loans | 0.6486% | 2,884 |
| Net loans and leases to total assets | 47.9022% | 4,830 |
| Net loans and leases to deposits | 69.4005% | 3,865 |
| Net loans and leases to core deposits | 70.9920% | 4,073 |
| Total domestic deposits to total assets | 69.0228% | 5,658 |
| Equity capital to assets | 14.0483% | 887 |
| Core capital (leverage) ratio | 14.1197% | 809 |
| Tier 1 risk-based capital ratio | 19.8835% | 1,417 |
| Total risk-based capital ratio | 20.6317% | 1,496 |
| Memoranda: | ||
| Average total assets | $3,580,866,000 | 276 |
| Average earning assets | $3,448,471,500 | 266 |
| Average equity | $495,856,500 | 232 |
| Average total loans | $1,704,556,500 | 351 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 4,698 |
| Cost of funding earning assets | 0.0519% | 5,834 |
| Net interest margin | 3.4788% | 3,512 |
| Noninterest income to average assets | 0.7259% | 2,050 |
| Noninterest expense to average assets | 2.3437% | 4,438 |
| Loan and lease loss provision to assets | 0.0670% | 3,029 |
| Net operating income to assets | 1.1192% | 1,821 |
| Return on assets (ROA) | 1.1453% | 1,807 |
| Pretax return on assets | 1.7086% | 981 |
| Return on Equity (ROE) | 8.2118% | 2,824 |
| Retained earnings to average equity (ytd only) | 2.8598% | 3,860 |
| Net charge-offs to loans | 0.0602% | 2,849 |
| Credit loss provision to net charge-offs | 249.1770% | 1,167 |
| Earnings coverage of net charge-offs (x) | 64.5802% | 840 |
| Efficiency ratio | 57.4367% | 4,911 |
| Assets per employee ($millions) | 5.5281% | 1,844 |
| Cash dividends to net income (ytd only)* | 65.1744% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 4,426 |
| Loan loss allowance to noncurrent loans | 197.2199% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 3,021 |
| Noncurrent loans to loans | 0.4981% | 3,376 |
| Net loans and leases to total assets | 46.3478% | 4,996 |
| Net loans and leases to deposits | 67.5809% | 4,118 |
| Net loans and leases to core deposits | 69.1081% | 4,316 |
| Total domestic deposits to total assets | 68.5811% | 5,702 |
| Equity capital to assets | 13.6497% | 995 |
| Core capital (leverage) ratio | 13.5741% | 945 |
| Tier 1 risk-based capital ratio | 19.9036% | 1,394 |
| Total risk-based capital ratio | 20.6017% | 1,477 |
| Memoranda: | ||
| Average total assets | $3,614,228,000 | 261 |
| Average earning assets | $3,485,179,400 | 245 |
| Average equity | $504,056,600 | 220 |
| Average total loans | $1,615,676,200 | 352 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5127% | 4,773 |
| Cost of funding earning assets | 0.0511% | 5,898 |
| Net interest margin | 3.4616% | 3,620 |
| Noninterest income to average assets | 0.7222% | 2,069 |
| Noninterest expense to average assets | 2.2871% | 4,568 |
| Loan and lease loss provision to assets | 0.0468% | 3,312 |
| Net operating income to assets | 1.1495% | 1,809 |
| Return on assets (ROA) | 1.1800% | 1,809 |
| Pretax return on assets | 1.7734% | 943 |
| Return on Equity (ROE) | 8.4164% | 2,801 |
| Retained earnings to average equity (ytd only) | 4.6581% | 3,051 |
| Net charge-offs to loans | 0.0266% | 3,134 |
| Credit loss provision to net charge-offs | 397.8056% | 847 |
| Earnings coverage of net charge-offs (x) | 150.8536% | 461 |
| Efficiency ratio | 56.3075% | 5,028 |
| Assets per employee ($millions) | 5.6922% | 1,671 |
| Cash dividends to net income (ytd only)* | 44.6542% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 4,503 |
| Loan loss allowance to noncurrent loans | 277.5384% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 3,299 |
| Noncurrent loans to loans | 0.3538% | 3,989 |
| Net loans and leases to total assets | 44.2878% | 5,168 |
| Net loans and leases to deposits | 64.8384% | 4,426 |
| Net loans and leases to core deposits | 66.2630% | 4,587 |
| Total domestic deposits to total assets | 68.3049% | 5,764 |
| Equity capital to assets | 14.1598% | 981 |
| Core capital (leverage) ratio | 13.7381% | 932 |
| Tier 1 risk-based capital ratio | 20.1339% | 1,421 |
| Total risk-based capital ratio | 20.8191% | 1,498 |
| Memoranda: | ||
| Average total assets | $3,615,323,000 | 258 |
| Average earning assets | $3,487,935,000 | 243 |
| Average equity | $506,887,000 | 220 |
| Average total loans | $1,597,174,250 | 354 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5014% | 4,856 |
| Cost of funding earning assets | 0.0512% | 5,983 |
| Net interest margin | 3.4503% | 3,683 |
| Noninterest income to average assets | 0.6886% | 2,195 |
| Noninterest expense to average assets | 2.3273% | 4,532 |
| Loan and lease loss provision to assets | 0.0613% | 2,905 |
| Net operating income to assets | 1.0914% | 1,989 |
| Return on assets (ROA) | 1.1214% | 1,989 |
| Pretax return on assets | 1.6735% | 1,162 |
| Return on Equity (ROE) | 8.0254% | 2,963 |
| Retained earnings to average equity (ytd only) | 2.3392% | 4,387 |
| Net charge-offs to loans | 0.0383% | 2,688 |
| Credit loss provision to net charge-offs | 364.0264% | 833 |
| Earnings coverage of net charge-offs (x) | 100.3498% | 574 |
| Efficiency ratio | 57.9330% | 4,912 |
| Assets per employee ($millions) | 5.4685% | 1,824 |
| Cash dividends to net income (ytd only)* | 70.8530% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 4,577 |
| Loan loss allowance to noncurrent loans | 484.0668% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 3,627 |
| Noncurrent loans to loans | 0.2046% | 4,627 |
| Net loans and leases to total assets | 44.1820% | 5,220 |
| Net loans and leases to deposits | 65.7671% | 4,364 |
| Net loans and leases to core deposits | 67.3281% | 4,526 |
| Total domestic deposits to total assets | 67.1795% | 5,858 |
| Equity capital to assets | 14.1940% | 966 |
| Core capital (leverage) ratio | 13.7246% | 894 |
| Tier 1 risk-based capital ratio | 20.1395% | 1,432 |
| Total risk-based capital ratio | 20.8433% | 1,504 |
| Memoranda: | ||
| Average total assets | $3,598,510,670 | 259 |
| Average earning assets | $3,471,624,000 | 245 |
| Average equity | $502,827,670 | 222 |
| Average total loans | $1,583,037,000 | 356 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 4,968 |
| Cost of funding earning assets | 0.0512% | 6,050 |
| Net interest margin | 3.4146% | 3,821 |
| Noninterest income to average assets | 0.6498% | 2,268 |
| Noninterest expense to average assets | 2.2714% | 4,736 |
| Loan and lease loss provision to assets | 0.0399% | 3,119 |
| Net operating income to assets | 1.0910% | 1,941 |
| Return on assets (ROA) | 1.1171% | 1,941 |
| Pretax return on assets | 1.6706% | 1,130 |
| Return on Equity (ROE) | 8.0587% | 2,881 |
| Retained earnings to average equity (ytd only) | 4.8689% | 3,022 |
| Net charge-offs to loans | 0.0275% | 2,388 |
| Credit loss provision to net charge-offs | 331.4815% | 804 |
| Earnings coverage of net charge-offs (x) | 139.0278% | 427 |
| Efficiency ratio | 57.6075% | 5,041 |
| Assets per employee ($millions) | 5.4719% | 1,853 |
| Cash dividends to net income (ytd only)* | 39.5815% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 4,727 |
| Loan loss allowance to noncurrent loans | 472.6826% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 3,482 |
| Noncurrent loans to loans | 0.2066% | 4,683 |
| Net loans and leases to total assets | 43.1673% | 5,291 |
| Net loans and leases to deposits | 64.2647% | 4,423 |
| Net loans and leases to core deposits | 65.6780% | 4,554 |
| Total domestic deposits to total assets | 67.1710% | 5,942 |
| Equity capital to assets | 14.0348% | 971 |
| Core capital (leverage) ratio | 13.8937% | 838 |
| Tier 1 risk-based capital ratio | 20.5579% | 1,395 |
| Total risk-based capital ratio | 21.2523% | 1,471 |
| Memoranda: | ||
| Average total assets | $3,593,170,000 | 260 |
| Average earning assets | $3,465,378,000 | 247 |
| Average equity | $498,096,500 | 221 |
| Average total loans | $1,569,273,500 | 358 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 4,945 |
| Cost of funding earning assets | 0.0533% | 6,098 |
| Net interest margin | 3.4369% | 3,767 |
| Noninterest income to average assets | 0.7497% | 1,987 |
| Noninterest expense to average assets | 2.4597% | 4,358 |
| Loan and lease loss provision to assets | 0.0785% | 2,714 |
| Net operating income to assets | 1.0391% | 2,176 |
| Return on assets (ROA) | 1.0465% | 2,228 |
| Pretax return on assets | 1.5323% | 1,455 |
| Return on Equity (ROE) | 7.4732% | 3,261 |
| Retained earnings to average equity (ytd only) | 4.1686% | 3,023 |
| Net charge-offs to loans | 0.0447% | 3,321 |
| Credit loss provision to net charge-offs | 410.6061% | 745 |
| Earnings coverage of net charge-offs (x) | 83.6803% | 673 |
| Efficiency ratio | 60.5893% | 4,819 |
| Assets per employee ($millions) | 5.4329% | 1,874 |
| Cash dividends to net income (ytd only)* | 44.2187% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 4,770 |
| Loan loss allowance to noncurrent loans | 459.2301% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 3,382 |
| Noncurrent loans to loans | 0.2112% | 4,661 |
| Net loans and leases to total assets | 43.3311% | 5,322 |
| Net loans and leases to deposits | 63.7640% | 4,484 |
| Net loans and leases to core deposits | 65.1272% | 4,659 |
| Total domestic deposits to total assets | 67.9555% | 5,975 |
| Equity capital to assets | 13.6875% | 1,047 |
| Core capital (leverage) ratio | 13.1770% | 1,081 |
| Tier 1 risk-based capital ratio | 20.7006% | 1,347 |
| Total risk-based capital ratio | 21.3965% | 1,427 |
| Memoranda: | ||
| Average total assets | $3,451,954,600 | 251 |
| Average earning assets | $3,324,422,800 | 241 |
| Average equity | $483,395,000 | 217 |
| Average total loans | $1,475,690,600 | 357 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 5,097 |
| Cost of funding earning assets | 0.0532% | 6,189 |
| Net interest margin | 3.3971% | 3,971 |
| Noninterest income to average assets | 0.7622% | 1,973 |
| Noninterest expense to average assets | 2.4592% | 4,320 |
| Loan and lease loss provision to assets | 0.0462% | 3,281 |
| Net operating income to assets | 1.0409% | 2,268 |
| Return on assets (ROA) | 1.0453% | 2,337 |
| Pretax return on assets | 1.5348% | 1,586 |
| Return on Equity (ROE) | 7.4209% | 3,386 |
| Retained earnings to average equity (ytd only) | 4.1047% | 3,543 |
| Net charge-offs to loans | 0.0171% | 3,611 |
| Credit loss provision to net charge-offs | 634.7594% | 538 |
| Earnings coverage of net charge-offs (x) | 216.1419% | 332 |
| Efficiency ratio | 60.9659% | 4,738 |
| Assets per employee ($millions) | 5.4375% | 1,840 |
| Cash dividends to net income (ytd only)* | 44.6875% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 5,023 |
| Loan loss allowance to noncurrent loans | 474.1089% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 3,892 |
| Noncurrent loans to loans | 0.1981% | 4,852 |
| Net loans and leases to total assets | 40.8769% | 5,552 |
| Net loans and leases to deposits | 61.1757% | 4,776 |
| Net loans and leases to core deposits | 62.4695% | 4,907 |
| Total domestic deposits to total assets | 66.8189% | 6,072 |
| Equity capital to assets | 13.5599% | 1,202 |
| Core capital (leverage) ratio | 13.6735% | 952 |
| Tier 1 risk-based capital ratio | 20.2953% | 1,477 |
| Total risk-based capital ratio | 20.9306% | 1,591 |
| Memoranda: | ||
| Average total assets | $3,422,586,750 | 258 |
| Average earning assets | $3,296,192,000 | 247 |
| Average equity | $482,102,500 | 219 |
| Average total loans | $1,454,157,500 | 363 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4499% | 5,107 |
| Cost of funding earning assets | 0.0530% | 6,266 |
| Net interest margin | 3.3969% | 3,919 |
| Noninterest income to average assets | 0.7741% | 1,904 |
| Noninterest expense to average assets | 2.5319% | 4,133 |
| Loan and lease loss provision to assets | 0.0520% | 3,078 |
| Net operating income to assets | 1.0011% | 2,385 |
| Return on assets (ROA) | 1.0079% | 2,457 |
| Pretax return on assets | 1.4723% | 1,720 |
| Return on Equity (ROE) | 7.0596% | 3,572 |
| Retained earnings to average equity (ytd only) | 3.7175% | 3,658 |
| Net charge-offs to loans | -0.0178% | 5,135 |
| Credit loss provision to net charge-offs | -681.2500% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5734% | 4,579 |
| Assets per employee ($millions) | 4.8670% | 2,440 |
| Cash dividends to net income (ytd only)* | 47.3410% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 5,149 |
| Loan loss allowance to noncurrent loans | 222.9602% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 3,594 |
| Noncurrent loans to loans | 0.4213% | 4,213 |
| Net loans and leases to total assets | 44.2733% | 5,369 |
| Net loans and leases to deposits | 66.5519% | 4,285 |
| Net loans and leases to core deposits | 68.0358% | 4,492 |
| Total domestic deposits to total assets | 66.5244% | 6,154 |
| Equity capital to assets | 14.3498% | 866 |
| Core capital (leverage) ratio | 14.3002% | 761 |
| Tier 1 risk-based capital ratio | 20.6221% | 1,432 |
| Total risk-based capital ratio | 21.2747% | 1,510 |
| Memoranda: | ||
| Average total assets | $3,350,892,000 | 261 |
| Average earning assets | $3,227,944,670 | 251 |
| Average equity | $478,381,670 | 221 |
| Average total loans | $1,438,520,670 | 363 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3306% | 5,372 |
| Cost of funding earning assets | 0.0528% | 6,340 |
| Net interest margin | 3.2778% | 4,307 |
| Noninterest income to average assets | 0.7383% | 1,974 |
| Noninterest expense to average assets | 2.5283% | 4,176 |
| Loan and lease loss provision to assets | 0.0326% | 3,237 |
| Net operating income to assets | 0.9282% | 2,618 |
| Return on assets (ROA) | 0.9319% | 2,726 |
| Pretax return on assets | 1.3438% | 2,106 |
| Return on Equity (ROE) | 6.5444% | 3,741 |
| Retained earnings to average equity (ytd only) | 3.1908% | 4,072 |
| Net charge-offs to loans | -0.0077% | 4,621 |
| Credit loss provision to net charge-offs | -1,011.1111% | 4,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8391% | 4,338 |
| Assets per employee ($millions) | 4.8871% | 2,504 |
| Cash dividends to net income (ytd only)* | 51.2439% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 5,291 |
| Loan loss allowance to noncurrent loans | 249.3487% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 3,721 |
| Noncurrent loans to loans | 0.3772% | 4,458 |
| Net loans and leases to total assets | 41.7299% | 5,506 |
| Net loans and leases to deposits | 64.1242% | 4,359 |
| Net loans and leases to core deposits | 65.5572% | 4,563 |
| Total domestic deposits to total assets | 65.0766% | 6,257 |
| Equity capital to assets | 14.2354% | 914 |
| Core capital (leverage) ratio | 14.3198% | 733 |
| Tier 1 risk-based capital ratio | 20.6957% | 1,480 |
| Total risk-based capital ratio | 21.3268% | 1,565 |
| Memoranda: | ||
| Average total assets | $3,347,225,000 | 260 |
| Average earning assets | $3,227,983,000 | 248 |
| Average equity | $476,623,000 | 219 |
| Average total loans | $1,407,333,000 | 365 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4139% | 5,503 |
| Cost of funding earning assets | 0.0560% | 6,428 |
| Net interest margin | 3.3578% | 4,378 |
| Noninterest income to average assets | 0.8540% | 1,665 |
| Noninterest expense to average assets | 2.5773% | 4,304 |
| Loan and lease loss provision to assets | 0.0314% | 3,969 |
| Net operating income to assets | 1.0029% | 2,368 |
| Return on assets (ROA) | 1.0172% | 2,386 |
| Pretax return on assets | 1.4916% | 1,576 |
| Return on Equity (ROE) | 7.0360% | 3,603 |
| Retained earnings to average equity (ytd only) | 3.5647% | 3,690 |
| Net charge-offs to loans | 0.0116% | 4,672 |
| Credit loss provision to net charge-offs | 644.8718% | 409 |
| Earnings coverage of net charge-offs (x) | 308.4744% | 183 |
| Efficiency ratio | 63.1825% | 4,725 |
| Assets per employee ($millions) | 5.0115% | 2,307 |
| Cash dividends to net income (ytd only)* | 49.3358% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 5,321 |
| Loan loss allowance to noncurrent loans | 239.2257% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 3,789 |
| Noncurrent loans to loans | 0.3940% | 4,461 |
| Net loans and leases to total assets | 41.5663% | 5,652 |
| Net loans and leases to deposits | 62.4836% | 4,682 |
| Net loans and leases to core deposits | 63.8813% | 4,834 |
| Total domestic deposits to total assets | 66.5235% | 6,314 |
| Equity capital to assets | 14.2433% | 888 |
| Core capital (leverage) ratio | 13.9635% | 821 |
| Tier 1 risk-based capital ratio | 21.3566% | 1,331 |
| Total risk-based capital ratio | 21.9987% | 1,433 |
| Memoranda: | ||
| Average total assets | $3,204,235,200 | 257 |
| Average earning assets | $3,077,598,800 | 244 |
| Average equity | $463,259,400 | 215 |
| Average total loans | $1,345,672,600 | 358 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 5,582 |
| Cost of funding earning assets | 0.0560% | 6,512 |
| Net interest margin | 3.3510% | 4,425 |
| Noninterest income to average assets | 0.8443% | 1,728 |
| Noninterest expense to average assets | 2.4986% | 4,527 |
| Loan and lease loss provision to assets | 0.0222% | 3,966 |
| Net operating income to assets | 1.0397% | 2,282 |
| Return on assets (ROA) | 1.0565% | 2,277 |
| Pretax return on assets | 1.5646% | 1,442 |
| Return on Equity (ROE) | 7.2792% | 3,567 |
| Retained earnings to average equity (ytd only) | 3.7881% | 3,957 |
| Net charge-offs to loans | 0.0029% | 4,604 |
| Credit loss provision to net charge-offs | 1,824.1379% | 196 |
| Earnings coverage of net charge-offs (x) | 1,283.5125% | 51 |
| Efficiency ratio | 61.5299% | 4,958 |
| Assets per employee ($millions) | 4.8786% | 2,399 |
| Cash dividends to net income (ytd only)* | 47.9603% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 5,466 |
| Loan loss allowance to noncurrent loans | 222.4355% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 4,209 |
| Noncurrent loans to loans | 0.4225% | 4,639 |
| Net loans and leases to total assets | 41.4253% | 5,724 |
| Net loans and leases to deposits | 61.6495% | 4,776 |
| Net loans and leases to core deposits | 63.3511% | 4,941 |
| Total domestic deposits to total assets | 67.1948% | 6,374 |
| Equity capital to assets | 14.4039% | 877 |
| Core capital (leverage) ratio | 14.4721% | 733 |
| Tier 1 risk-based capital ratio | 21.9384% | 1,267 |
| Total risk-based capital ratio | 22.5932% | 1,356 |
| Memoranda: | ||
| Average total assets | $3,177,147,500 | 256 |
| Average earning assets | $3,049,677,750 | 244 |
| Average equity | $461,118,500 | 213 |
| Average total loans | $1,334,586,000 | 358 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3952% | 5,628 |
| Cost of funding earning assets | 0.0564% | 6,576 |
| Net interest margin | 3.3388% | 4,445 |
| Noninterest income to average assets | 0.8042% | 1,824 |
| Noninterest expense to average assets | 2.5170% | 4,532 |
| Loan and lease loss provision to assets | 0.0328% | 3,630 |
| Net operating income to assets | 0.9875% | 2,375 |
| Return on assets (ROA) | 1.0048% | 2,371 |
| Pretax return on assets | 1.4842% | 1,586 |
| Return on Equity (ROE) | 6.9055% | 3,670 |
| Retained earnings to average equity (ytd only) | 3.3974% | 4,040 |
| Net charge-offs to loans | 0.0027% | 4,296 |
| Credit loss provision to net charge-offs | 2,877.7778% | 131 |
| Earnings coverage of net charge-offs (x) | 1,307.0000% | 39 |
| Efficiency ratio | 62.7918% | 4,891 |
| Assets per employee ($millions) | 4.7684% | 2,517 |
| Cash dividends to net income (ytd only)* | 50.8013% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 5,575 |
| Loan loss allowance to noncurrent loans | 244.1593% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 4,303 |
| Noncurrent loans to loans | 0.3883% | 4,829 |
| Net loans and leases to total assets | 42.1997% | 5,668 |
| Net loans and leases to deposits | 62.7817% | 4,614 |
| Net loans and leases to core deposits | 64.8797% | 4,737 |
| Total domestic deposits to total assets | 67.2166% | 6,451 |
| Equity capital to assets | 14.7888% | 752 |
| Core capital (leverage) ratio | 14.7414% | 644 |
| Tier 1 risk-based capital ratio | 22.5873% | 1,173 |
| Total risk-based capital ratio | 23.2662% | 1,234 |
| Memoranda: | ||
| Average total assets | $3,154,762,670 | 253 |
| Average earning assets | $3,027,640,330 | 240 |
| Average equity | $459,055,670 | 212 |
| Average total loans | $1,327,210,670 | 357 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3200% | 5,805 |
| Cost of funding earning assets | 0.0568% | 6,652 |
| Net interest margin | 3.2631% | 4,694 |
| Noninterest income to average assets | 0.7546% | 1,944 |
| Noninterest expense to average assets | 2.5158% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9347% | 2,483 |
| Return on assets (ROA) | 0.9497% | 2,477 |
| Pretax return on assets | 1.3921% | 1,774 |
| Return on Equity (ROE) | 6.5805% | 3,692 |
| Retained earnings to average equity (ytd only) | 3.0398% | 4,291 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7431% | 4,737 |
| Assets per employee ($millions) | 4.7473% | 2,602 |
| Cash dividends to net income (ytd only)* | 53.8061% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 5,799 |
| Loan loss allowance to noncurrent loans | 225.3910% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 4,381 |
| Noncurrent loans to loans | 0.4085% | 4,910 |
| Net loans and leases to total assets | 41.1391% | 5,737 |
| Net loans and leases to deposits | 61.7393% | 4,578 |
| Net loans and leases to core deposits | 64.6967% | 4,624 |
| Total domestic deposits to total assets | 66.6335% | 6,546 |
| Equity capital to assets | 14.2861% | 834 |
| Core capital (leverage) ratio | 14.7232% | 644 |
| Tier 1 risk-based capital ratio | 22.3922% | 1,231 |
| Total risk-based capital ratio | 23.0394% | 1,299 |
| Memoranda: | ||
| Average total assets | $3,153,789,000 | 254 |
| Average earning assets | $3,026,310,500 | 239 |
| Average equity | $455,163,000 | 214 |
| Average total loans | $1,318,379,500 | 357 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 5,641 |
| Cost of funding earning assets | 0.0612% | 6,742 |
| Net interest margin | 3.4400% | 4,131 |
| Noninterest income to average assets | 0.9944% | 1,412 |
| Noninterest expense to average assets | 2.7080% | 4,065 |
| Loan and lease loss provision to assets | -0.0003% | 6,239 |
| Net operating income to assets | 1.0639% | 2,061 |
| Return on assets (ROA) | 1.0660% | 2,138 |
| Pretax return on assets | 1.5791% | 1,223 |
| Return on Equity (ROE) | 7.0967% | 3,513 |
| Retained earnings to average equity (ytd only) | 3.5426% | 3,699 |
| Net charge-offs to loans | -0.0007% | 5,821 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2159% | 5,022 |
| Assets per employee ($millions) | 4.6524% | 2,652 |
| Cash dividends to net income (ytd only)* | 50.0805% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 5,803 |
| Loan loss allowance to noncurrent loans | 178.4154% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 4,283 |
| Noncurrent loans to loans | 0.5256% | 4,677 |
| Net loans and leases to total assets | 41.6991% | 5,843 |
| Net loans and leases to deposits | 61.7012% | 4,751 |
| Net loans and leases to core deposits | 63.7427% | 4,891 |
| Total domestic deposits to total assets | 67.5823% | 6,597 |
| Equity capital to assets | 14.5832% | 766 |
| Core capital (leverage) ratio | 14.4023% | 714 |
| Tier 1 risk-based capital ratio | 22.4572% | 1,181 |
| Total risk-based capital ratio | 23.1103% | 1,257 |
| Memoranda: | ||
| Average total assets | $3,031,118,600 | 251 |
| Average earning assets | $2,898,273,000 | 234 |
| Average equity | $455,309,800 | 210 |
| Average total loans | $1,281,898,000 | 347 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 5,612 |
| Cost of funding earning assets | 0.0614% | 6,826 |
| Net interest margin | 3.4702% | 4,013 |
| Noninterest income to average assets | 1.0358% | 1,358 |
| Noninterest expense to average assets | 2.7423% | 3,860 |
| Loan and lease loss provision to assets | -0.0011% | 6,440 |
| Net operating income to assets | 1.0813% | 2,081 |
| Return on assets (ROA) | 1.0832% | 2,154 |
| Pretax return on assets | 1.6135% | 1,311 |
| Return on Equity (ROE) | 7.1577% | 3,555 |
| Retained earnings to average equity (ytd only) | 3.6043% | 4,127 |
| Net charge-offs to loans | -0.0026% | 5,707 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0136% | 4,989 |
| Assets per employee ($millions) | 4.6905% | 2,597 |
| Cash dividends to net income (ytd only)* | 49.6446% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 5,899 |
| Loan loss allowance to noncurrent loans | 79.6644% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 3,952 |
| Noncurrent loans to loans | 1.2001% | 3,418 |
| Net loans and leases to total assets | 40.4418% | 6,000 |
| Net loans and leases to deposits | 59.4876% | 5,033 |
| Net loans and leases to core deposits | 60.7767% | 5,239 |
| Total domestic deposits to total assets | 67.9834% | 6,664 |
| Equity capital to assets | 14.4180% | 847 |
| Core capital (leverage) ratio | 14.6575% | 698 |
| Tier 1 risk-based capital ratio | 23.2106% | 1,110 |
| Total risk-based capital ratio | 23.8809% | 1,188 |
| Memoranda: | ||
| Average total assets | $3,013,114,500 | 249 |
| Average earning assets | $2,879,228,250 | 234 |
| Average equity | $456,003,250 | 207 |
| Average total loans | $1,275,815,000 | 348 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4928% | 5,715 |
| Cost of funding earning assets | 0.0620% | 6,875 |
| Net interest margin | 3.4308% | 4,070 |
| Noninterest income to average assets | 1.0582% | 1,365 |
| Noninterest expense to average assets | 2.7579% | 3,824 |
| Loan and lease loss provision to assets | -0.0395% | 6,631 |
| Net operating income to assets | 1.0855% | 1,971 |
| Return on assets (ROA) | 1.0884% | 2,079 |
| Pretax return on assets | 1.6186% | 1,309 |
| Return on Equity (ROE) | 7.0740% | 3,555 |
| Retained earnings to average equity (ytd only) | 3.5237% | 4,079 |
| Net charge-offs to loans | -0.0922% | 6,483 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6530% | 4,918 |
| Assets per employee ($millions) | 4.4621% | 2,877 |
| Cash dividends to net income (ytd only)* | 50.1886% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 5,990 |
| Loan loss allowance to noncurrent loans | 53.5402% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 3,265 |
| Noncurrent loans to loans | 1.7745% | 2,668 |
| Net loans and leases to total assets | 43.4323% | 5,792 |
| Net loans and leases to deposits | 64.4605% | 4,440 |
| Net loans and leases to core deposits | 65.9288% | 4,698 |
| Total domestic deposits to total assets | 67.3781% | 6,731 |
| Equity capital to assets | 15.2824% | 660 |
| Core capital (leverage) ratio | 15.3675% | 551 |
| Tier 1 risk-based capital ratio | 23.7331% | 1,023 |
| Total risk-based capital ratio | 24.4192% | 1,089 |
| Memoranda: | ||
| Average total assets | $2,971,511,670 | 253 |
| Average earning assets | $2,836,178,670 | 237 |
| Average equity | $457,195,330 | 208 |
| Average total loans | $1,273,993,000 | 346 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 5,831 |
| Cost of funding earning assets | 0.0626% | 6,957 |
| Net interest margin | 3.3884% | 4,163 |
| Noninterest income to average assets | 1.0619% | 1,322 |
| Noninterest expense to average assets | 2.6862% | 4,124 |
| Loan and lease loss provision to assets | -0.0795% | 6,821 |
| Net operating income to assets | 1.1264% | 1,757 |
| Return on assets (ROA) | 1.1313% | 1,860 |
| Pretax return on assets | 1.6949% | 1,091 |
| Return on Equity (ROE) | 7.3285% | 3,307 |
| Retained earnings to average equity (ytd only) | 3.8083% | 3,951 |
| Net charge-offs to loans | -0.1876% | 6,666 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5534% | 5,226 |
| Assets per employee ($millions) | 4.5302% | 2,916 |
| Cash dividends to net income (ytd only)* | 48.0350% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 6,072 |
| Loan loss allowance to noncurrent loans | 52.2946% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 1.2950% | 3,379 |
| Noncurrent loans to loans | 1.8572% | 2,790 |
| Net loans and leases to total assets | 42.2238% | 5,830 |
| Net loans and leases to deposits | 61.8300% | 4,570 |
| Net loans and leases to core deposits | 63.1930% | 4,826 |
| Total domestic deposits to total assets | 68.2902% | 6,799 |
| Equity capital to assets | 15.6205% | 626 |
| Core capital (leverage) ratio | 15.2165% | 560 |
| Tier 1 risk-based capital ratio | 23.9718% | 1,018 |
| Total risk-based capital ratio | 24.6703% | 1,077 |
| Memoranda: | ||
| Average total assets | $2,987,020,000 | 252 |
| Average earning assets | $2,849,360,500 | 239 |
| Average equity | $461,103,500 | 211 |
| Average total loans | $1,266,302,500 | 348 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 5,700 |
| Cost of funding earning assets | 0.0844% | 7,013 |
| Net interest margin | 3.7688% | 3,363 |
| Noninterest income to average assets | 1.2439% | 1,005 |
| Noninterest expense to average assets | 2.8091% | 3,989 |
| Loan and lease loss provision to assets | -0.0365% | 6,851 |
| Net operating income to assets | 1.3550% | 1,188 |
| Return on assets (ROA) | 1.3589% | 1,305 |
| Pretax return on assets | 2.0540% | 544 |
| Return on Equity (ROE) | 8.8655% | 2,698 |
| Retained earnings to average equity (ytd only) | 5.2502% | 2,537 |
| Net charge-offs to loans | -0.0886% | 6,804 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2731% | 5,790 |
| Assets per employee ($millions) | 4.5215% | 2,920 |
| Cash dividends to net income (ytd only)* | 40.7798% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 6,083 |
| Loan loss allowance to noncurrent loans | 50.6282% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 3,510 |
| Noncurrent loans to loans | 1.9033% | 2,800 |
| Net loans and leases to total assets | 41.7476% | 6,029 |
| Net loans and leases to deposits | 61.1557% | 4,890 |
| Net loans and leases to core deposits | 62.3785% | 5,114 |
| Total domestic deposits to total assets | 68.2644% | 6,846 |
| Equity capital to assets | 15.2569% | 687 |
| Core capital (leverage) ratio | 14.6404% | 645 |
| Tier 1 risk-based capital ratio | 23.5544% | 1,028 |
| Total risk-based capital ratio | 24.2469% | 1,095 |
| Memoranda: | ||
| Average total assets | $2,946,222,800 | 249 |
| Average earning assets | $2,796,062,800 | 238 |
| Average equity | $451,604,200 | 210 |
| Average total loans | $1,212,820,000 | 362 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 5,743 |
| Cost of funding earning assets | 0.0869% | 7,128 |
| Net interest margin | 3.8316% | 3,199 |
| Noninterest income to average assets | 1.2869% | 895 |
| Noninterest expense to average assets | 2.8588% | 3,753 |
| Loan and lease loss provision to assets | -0.0489% | 6,995 |
| Net operating income to assets | 1.3921% | 1,242 |
| Return on assets (ROA) | 1.3961% | 1,359 |
| Pretax return on assets | 2.1211% | 545 |
| Return on Equity (ROE) | 9.0972% | 2,748 |
| Retained earnings to average equity (ytd only) | 5.4596% | 3,063 |
| Net charge-offs to loans | -0.1196% | 6,894 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0490% | 5,786 |
| Assets per employee ($millions) | 4.5464% | 2,830 |
| Cash dividends to net income (ytd only)* | 39.9863% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 6,189 |
| Loan loss allowance to noncurrent loans | 46.8684% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 3,599 |
| Noncurrent loans to loans | 2.0698% | 2,775 |
| Net loans and leases to total assets | 41.6132% | 6,154 |
| Net loans and leases to deposits | 60.5035% | 5,145 |
| Net loans and leases to core deposits | 61.6688% | 5,390 |
| Total domestic deposits to total assets | 68.7782% | 6,893 |
| Equity capital to assets | 15.2204% | 766 |
| Core capital (leverage) ratio | 14.9078% | 625 |
| Tier 1 risk-based capital ratio | 23.4990% | 1,091 |
| Total risk-based capital ratio | 24.2081% | 1,154 |
| Memoranda: | ||
| Average total assets | $2,928,817,500 | 250 |
| Average earning assets | $2,780,759,250 | 239 |
| Average equity | $449,474,500 | 211 |
| Average total loans | $1,198,202,000 | 368 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9397% | 5,815 |
| Cost of funding earning assets | 0.0926% | 7,190 |
| Net interest margin | 3.8471% | 3,148 |
| Noninterest income to average assets | 1.2084% | 981 |
| Noninterest expense to average assets | 2.8656% | 3,762 |
| Loan and lease loss provision to assets | -0.0246% | 7,049 |
| Net operating income to assets | 1.3396% | 1,332 |
| Return on assets (ROA) | 1.3457% | 1,475 |
| Pretax return on assets | 2.0301% | 658 |
| Return on Equity (ROE) | 8.7442% | 2,918 |
| Retained earnings to average equity (ytd only) | 5.0748% | 3,241 |
| Net charge-offs to loans | -0.0607% | 6,720 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9413% | 5,739 |
| Assets per employee ($millions) | 4.3912% | 3,101 |
| Cash dividends to net income (ytd only)* | 41.9636% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 6,116 |
| Loan loss allowance to noncurrent loans | 47.0647% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 3,686 |
| Noncurrent loans to loans | 2.1475% | 2,767 |
| Net loans and leases to total assets | 41.3347% | 6,246 |
| Net loans and leases to deposits | 59.5667% | 5,282 |
| Net loans and leases to core deposits | 60.7434% | 5,513 |
| Total domestic deposits to total assets | 69.3923% | 6,937 |
| Equity capital to assets | 15.4465% | 689 |
| Core capital (leverage) ratio | 14.9349% | 610 |
| Tier 1 risk-based capital ratio | 24.1588% | 997 |
| Total risk-based capital ratio | 24.8989% | 1,042 |
| Memoranda: | ||
| Average total assets | $2,903,372,000 | 252 |
| Average earning assets | $2,757,161,670 | 242 |
| Average equity | $446,834,330 | 211 |
| Average total loans | $1,176,672,330 | 372 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 5,589 |
| Cost of funding earning assets | 0.0955% | 7,253 |
| Net interest margin | 3.9605% | 2,666 |
| Noninterest income to average assets | 1.1486% | 1,072 |
| Noninterest expense to average assets | 2.8192% | 3,947 |
| Loan and lease loss provision to assets | -0.0366% | 7,133 |
| Net operating income to assets | 1.3967% | 1,228 |
| Return on assets (ROA) | 1.4089% | 1,355 |
| Pretax return on assets | 2.1480% | 587 |
| Return on Equity (ROE) | 9.1715% | 2,749 |
| Retained earnings to average equity (ytd only) | 5.4744% | 3,276 |
| Net charge-offs to loans | -0.0918% | 6,757 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3953% | 5,992 |
| Assets per employee ($millions) | 4.4368% | 3,112 |
| Cash dividends to net income (ytd only)* | 40.3109% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 6,027 |
| Loan loss allowance to noncurrent loans | 35.7967% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 1.7751% | 3,203 |
| Noncurrent loans to loans | 2.9721% | 2,169 |
| Net loans and leases to total assets | 38.7844% | 6,437 |
| Net loans and leases to deposits | 56.5482% | 5,544 |
| Net loans and leases to core deposits | 58.2655% | 5,689 |
| Total domestic deposits to total assets | 68.5864% | 7,035 |
| Equity capital to assets | 15.2488% | 703 |
| Core capital (leverage) ratio | 15.1700% | 577 |
| Tier 1 risk-based capital ratio | 25.0157% | 906 |
| Total risk-based capital ratio | 25.7796% | 934 |
| Memoranda: | ||
| Average total assets | $2,903,760,000 | 251 |
| Average earning assets | $2,759,226,000 | 240 |
| Average equity | $446,077,000 | 208 |
| Average total loans | $1,158,994,000 | 373 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 6,418 |
| Cost of funding earning assets | 0.1192% | 7,295 |
| Net interest margin | 3.9011% | 3,334 |
| Noninterest income to average assets | 1.2714% | 796 |
| Noninterest expense to average assets | 3.1369% | 3,079 |
| Loan and lease loss provision to assets | 0.0442% | 6,024 |
| Net operating income to assets | 1.2242% | 1,448 |
| Return on assets (ROA) | 1.2435% | 1,495 |
| Pretax return on assets | 1.8240% | 766 |
| Return on Equity (ROE) | 8.0582% | 2,872 |
| Retained earnings to average equity (ytd only) | 4.2286% | 3,174 |
| Net charge-offs to loans | 0.3323% | 3,735 |
| Credit loss provision to net charge-offs | 31.0431% | 5,769 |
| Earnings coverage of net charge-offs (x) | 12.9260% | 1,583 |
| Efficiency ratio | 63.0309% | 5,292 |
| Assets per employee ($millions) | 4.3359% | 3,191 |
| Cash dividends to net income (ytd only)* | 47.5245% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 5,997 |
| Loan loss allowance to noncurrent loans | 38.7597% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 1.7251% | 3,364 |
| Noncurrent loans to loans | 2.7092% | 2,396 |
| Net loans and leases to total assets | 40.2155% | 6,536 |
| Net loans and leases to deposits | 59.7694% | 5,514 |
| Net loans and leases to core deposits | 61.1992% | 5,733 |
| Total domestic deposits to total assets | 67.2844% | 7,098 |
| Equity capital to assets | 15.4779% | 682 |
| Core capital (leverage) ratio | 14.6010% | 690 |
| Tier 1 risk-based capital ratio | 24.2070% | 949 |
| Total risk-based capital ratio | 24.9562% | 984 |
| Memoranda: | ||
| Average total assets | $2,801,812,000 | 257 |
| Average earning assets | $2,661,230,000 | 237 |
| Average equity | $432,368,000 | 203 |
| Average total loans | $1,200,200,800 | 361 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 6,529 |
| Cost of funding earning assets | 0.1241% | 7,374 |
| Net interest margin | 3.9113% | 3,333 |
| Noninterest income to average assets | 1.2819% | 787 |
| Noninterest expense to average assets | 3.0829% | 3,224 |
| Loan and lease loss provision to assets | 0.0780% | 5,465 |
| Net operating income to assets | 1.2486% | 1,521 |
| Return on assets (ROA) | 1.2729% | 1,554 |
| Pretax return on assets | 1.8729% | 830 |
| Return on Equity (ROE) | 8.2549% | 2,935 |
| Retained earnings to average equity (ytd only) | 4.3949% | 3,598 |
| Net charge-offs to loans | 0.3729% | 3,233 |
| Credit loss provision to net charge-offs | 48.2249% | 5,072 |
| Earnings coverage of net charge-offs (x) | 11.8346% | 1,778 |
| Efficiency ratio | 61.6812% | 5,462 |
| Assets per employee ($millions) | 4.4355% | 3,023 |
| Cash dividends to net income (ytd only)* | 46.7594% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 5,769 |
| Loan loss allowance to noncurrent loans | 41.3584% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 1.7144% | 3,523 |
| Noncurrent loans to loans | 2.7318% | 2,563 |
| Net loans and leases to total assets | 39.3698% | 6,683 |
| Net loans and leases to deposits | 59.7312% | 5,662 |
| Net loans and leases to core deposits | 61.1827% | 5,888 |
| Total domestic deposits to total assets | 65.9115% | 7,200 |
| Equity capital to assets | 14.9417% | 864 |
| Core capital (leverage) ratio | 15.1016% | 645 |
| Tier 1 risk-based capital ratio | 24.3598% | 975 |
| Total risk-based capital ratio | 25.1485% | 1,007 |
| Memoranda: | ||
| Average total assets | $2,784,680,000 | 256 |
| Average earning assets | $2,645,788,750 | 239 |
| Average equity | $429,393,000 | 204 |
| Average total loans | $1,208,608,250 | 355 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 6,445 |
| Cost of funding earning assets | 0.1310% | 7,447 |
| Net interest margin | 3.9901% | 2,885 |
| Noninterest income to average assets | 1.2208% | 850 |
| Noninterest expense to average assets | 3.1093% | 3,217 |
| Loan and lease loss provision to assets | 0.1154% | 4,843 |
| Net operating income to assets | 1.2103% | 1,538 |
| Return on assets (ROA) | 1.2474% | 1,524 |
| Pretax return on assets | 1.8362% | 818 |
| Return on Equity (ROE) | 8.0007% | 2,947 |
| Retained earnings to average equity (ytd only) | 4.1020% | 3,587 |
| Net charge-offs to loans | 0.1599% | 4,220 |
| Credit loss provision to net charge-offs | 161.4754% | 1,876 |
| Earnings coverage of net charge-offs (x) | 26.5410% | 1,012 |
| Efficiency ratio | 62.1087% | 5,568 |
| Assets per employee ($millions) | 4.0913% | 3,570 |
| Cash dividends to net income (ytd only)* | 48.7291% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 5,084 |
| Loan loss allowance to noncurrent loans | 41.2764% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 2.0848% | 3,135 |
| Noncurrent loans to loans | 3.1370% | 2,292 |
| Net loans and leases to total assets | 43.7746% | 6,451 |
| Net loans and leases to deposits | 66.9289% | 4,864 |
| Net loans and leases to core deposits | 68.8550% | 5,205 |
| Total domestic deposits to total assets | 65.4045% | 7,274 |
| Equity capital to assets | 15.8750% | 627 |
| Core capital (leverage) ratio | 15.6039% | 557 |
| Tier 1 risk-based capital ratio | 24.5615% | 948 |
| Total risk-based capital ratio | 25.4985% | 956 |
| Memoranda: | ||
| Average total assets | $2,731,176,670 | 265 |
| Average earning assets | $2,591,030,670 | 247 |
| Average equity | $425,837,330 | 206 |
| Average total loans | $1,220,556,330 | 358 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 6,378 |
| Cost of funding earning assets | 0.1354% | 7,509 |
| Net interest margin | 4.0204% | 2,606 |
| Noninterest income to average assets | 1.1412% | 1,001 |
| Noninterest expense to average assets | 3.0598% | 3,422 |
| Loan and lease loss provision to assets | 0.1192% | 4,523 |
| Net operating income to assets | 1.2203% | 1,478 |
| Return on assets (ROA) | 1.2525% | 1,435 |
| Pretax return on assets | 1.8215% | 782 |
| Return on Equity (ROE) | 8.1063% | 2,861 |
| Retained earnings to average equity (ytd only) | 4.1822% | 3,652 |
| Net charge-offs to loans | 0.2657% | 3,008 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 15.8897% | 1,294 |
| Efficiency ratio | 61.7680% | 5,716 |
| Assets per employee ($millions) | 4.1118% | 3,612 |
| Cash dividends to net income (ytd only)* | 48.4082% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 5,481 |
| Loan loss allowance to noncurrent loans | 43.4808% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 1.9305% | 3,397 |
| Noncurrent loans to loans | 2.8292% | 2,669 |
| Net loans and leases to total assets | 43.7822% | 6,486 |
| Net loans and leases to deposits | 67.2959% | 4,783 |
| Net loans and leases to core deposits | 69.4356% | 5,120 |
| Total domestic deposits to total assets | 65.0592% | 7,352 |
| Equity capital to assets | 15.4072% | 681 |
| Core capital (leverage) ratio | 15.3052% | 607 |
| Tier 1 risk-based capital ratio | 23.7748% | 995 |
| Total risk-based capital ratio | 24.6567% | 1,025 |
| Memoranda: | ||
| Average total assets | $2,738,469,500 | 266 |
| Average earning assets | $2,596,826,500 | 248 |
| Average equity | $423,127,000 | 205 |
| Average total loans | $1,228,446,500 | 358 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 6,455 |
| Cost of funding earning assets | 0.1535% | 7,566 |
| Net interest margin | 4.3221% | 1,747 |
| Noninterest income to average assets | 1.3208% | 846 |
| Noninterest expense to average assets | 3.1877% | 3,139 |
| Loan and lease loss provision to assets | -0.0192% | 7,576 |
| Net operating income to assets | 1.4825% | 797 |
| Return on assets (ROA) | 1.4884% | 847 |
| Pretax return on assets | 2.2537% | 281 |
| Return on Equity (ROE) | 9.1523% | 2,233 |
| Retained earnings to average equity (ytd only) | -5.8993% | 6,373 |
| Net charge-offs to loans | 0.2048% | 5,056 |
| Credit loss provision to net charge-offs | -21.0165% | 6,993 |
| Earnings coverage of net charge-offs (x) | 24.3578% | 866 |
| Efficiency ratio | 58.8865% | 6,220 |
| Assets per employee ($millions) | 4.0568% | 3,669 |
| Cash dividends to net income (ytd only)* | 164.4569% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 5,452 |
| Loan loss allowance to noncurrent loans | 42.0463% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 1.9773% | 3,376 |
| Noncurrent loans to loans | 2.8827% | 2,642 |
| Net loans and leases to total assets | 44.8448% | 6,652 |
| Net loans and leases to deposits | 68.0681% | 5,094 |
| Net loans and leases to core deposits | 70.2373% | 5,424 |
| Total domestic deposits to total assets | 65.8823% | 7,397 |
| Equity capital to assets | 15.4957% | 680 |
| Core capital (leverage) ratio | 14.7841% | 696 |
| Tier 1 risk-based capital ratio | 22.8168% | 1,063 |
| Total risk-based capital ratio | 23.6722% | 1,101 |
| Memoranda: | ||
| Average total assets | $2,713,127,200 | 264 |
| Average earning assets | $2,568,983,400 | 249 |
| Average equity | $441,223,000 | 202 |
| Average total loans | $1,210,577,400 | 373 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 6,646 |
| Cost of funding earning assets | 0.1591% | 7,689 |
| Net interest margin | 4.3236% | 1,763 |
| Noninterest income to average assets | 1.3201% | 788 |
| Noninterest expense to average assets | 3.1819% | 2,992 |
| Loan and lease loss provision to assets | 0.0236% | 6,825 |
| Net operating income to assets | 1.4589% | 1,002 |
| Return on assets (ROA) | 1.4634% | 1,070 |
| Pretax return on assets | 2.2097% | 402 |
| Return on Equity (ROE) | 8.8929% | 2,525 |
| Retained earnings to average equity (ytd only) | -10.9640% | 6,922 |
| Net charge-offs to loans | 0.2747% | 4,301 |
| Credit loss provision to net charge-offs | 19.3548% | 6,254 |
| Earnings coverage of net charge-offs (x) | 18.2476% | 1,274 |
| Efficiency ratio | 58.8319% | 6,139 |
| Assets per employee ($millions) | 4.1166% | 3,619 |
| Cash dividends to net income (ytd only)* | 223.2903% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 4,833 |
| Loan loss allowance to noncurrent loans | 42.9288% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 2.0122% | 3,454 |
| Noncurrent loans to loans | 3.0839% | 2,590 |
| Net loans and leases to total assets | 42.6646% | 6,932 |
| Net loans and leases to deposits | 68.1498% | 5,397 |
| Net loans and leases to core deposits | 70.1643% | 5,729 |
| Total domestic deposits to total assets | 62.6041% | 7,547 |
| Equity capital to assets | 15.0205% | 887 |
| Core capital (leverage) ratio | 14.7958% | 759 |
| Tier 1 risk-based capital ratio | 23.0157% | 1,070 |
| Total risk-based capital ratio | 23.9298% | 1,080 |
| Memoranda: | ||
| Average total assets | $2,709,872,500 | 261 |
| Average earning assets | $2,562,436,750 | 247 |
| Average equity | $445,920,000 | 196 |
| Average total loans | $1,203,837,750 | 374 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 6,711 |
| Cost of funding earning assets | 0.1643% | 7,757 |
| Net interest margin | 4.3371% | 1,647 |
| Noninterest income to average assets | 1.2675% | 802 |
| Noninterest expense to average assets | 3.2042% | 2,886 |
| Loan and lease loss provision to assets | 0.0392% | 6,568 |
| Net operating income to assets | 1.4228% | 1,046 |
| Return on assets (ROA) | 1.4297% | 1,109 |
| Pretax return on assets | 2.1405% | 456 |
| Return on Equity (ROE) | 8.4327% | 2,696 |
| Retained earnings to average equity (ytd only) | 1.1289% | 5,309 |
| Net charge-offs to loans | 0.0873% | 5,266 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 55.4000% | 550 |
| Efficiency ratio | 59.6288% | 6,115 |
| Assets per employee ($millions) | 3.8882% | 4,009 |
| Cash dividends to net income (ytd only)* | 86.6131% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 4,004 |
| Loan loss allowance to noncurrent loans | 40.7498% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 2.2906% | 3,141 |
| Noncurrent loans to loans | 3.6402% | 2,169 |
| Net loans and leases to total assets | 45.0819% | 6,844 |
| Net loans and leases to deposits | 72.6110% | 4,894 |
| Net loans and leases to core deposits | 74.8728% | 5,338 |
| Total domestic deposits to total assets | 62.0869% | 7,625 |
| Equity capital to assets | 17.2369% | 495 |
| Core capital (leverage) ratio | 16.5704% | 486 |
| Tier 1 risk-based capital ratio | 25.8279% | 778 |
| Total risk-based capital ratio | 26.8796% | 788 |
| Memoranda: | ||
| Average total assets | $2,681,428,330 | 265 |
| Average earning assets | $2,538,602,000 | 252 |
| Average equity | $454,608,670 | 194 |
| Average total loans | $1,202,262,670 | 378 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 6,860 |
| Cost of funding earning assets | 0.1620% | 7,865 |
| Net interest margin | 4.3058% | 1,675 |
| Noninterest income to average assets | 1.1655% | 907 |
| Noninterest expense to average assets | 3.0776% | 3,355 |
| Loan and lease loss provision to assets | 0.1114% | 5,502 |
| Net operating income to assets | 1.3814% | 1,120 |
| Return on assets (ROA) | 1.3951% | 1,160 |
| Pretax return on assets | 2.0851% | 519 |
| Return on Equity (ROE) | 8.2969% | 2,738 |
| Retained earnings to average equity (ytd only) | 0.9732% | 5,426 |
| Net charge-offs to loans | 0.2510% | 3,441 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 19.5313% | 1,194 |
| Efficiency ratio | 58.5802% | 6,399 |
| Assets per employee ($millions) | 4.0008% | 3,873 |
| Cash dividends to net income (ytd only)* | 88.2709% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 3,905 |
| Loan loss allowance to noncurrent loans | 37.8684% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 2.2437% | 3,219 |
| Noncurrent loans to loans | 3.9649% | 1,981 |
| Net loans and leases to total assets | 43.0883% | 7,056 |
| Net loans and leases to deposits | 68.9482% | 5,477 |
| Net loans and leases to core deposits | 71.0461% | 5,825 |
| Total domestic deposits to total assets | 62.4937% | 7,708 |
| Equity capital to assets | 16.5532% | 594 |
| Core capital (leverage) ratio | 16.8846% | 465 |
| Tier 1 risk-based capital ratio | 26.2663% | 754 |
| Total risk-based capital ratio | 27.3394% | 754 |
| Memoranda: | ||
| Average total assets | $2,696,259,500 | 274 |
| Average earning assets | $2,559,996,500 | 258 |
| Average equity | $453,372,000 | 194 |
| Average total loans | $1,196,661,000 | 397 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 6,194 |
| Cost of funding earning assets | 0.2331% | 7,929 |
| Net interest margin | 4.8362% | 642 |
| Noninterest income to average assets | 1.2354% | 989 |
| Noninterest expense to average assets | 3.3693% | 2,779 |
| Loan and lease loss provision to assets | 0.2617% | 5,310 |
| Net operating income to assets | 1.4657% | 725 |
| Return on assets (ROA) | 1.4680% | 784 |
| Pretax return on assets | 2.1697% | 294 |
| Return on Equity (ROE) | 8.0952% | 2,327 |
| Retained earnings to average equity (ytd only) | 0.8470% | 4,425 |
| Net charge-offs to loans | 0.6358% | 3,290 |
| Credit loss provision to net charge-offs | 86.8852% | 6,103 |
| Earnings coverage of net charge-offs (x) | 8.0597% | 2,013 |
| Efficiency ratio | 58.1195% | 6,743 |
| Assets per employee ($millions) | 3.8659% | 4,102 |
| Cash dividends to net income (ytd only)* | 89.5366% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,683 |
| Loan loss allowance to noncurrent loans | 32.5898% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 2.4346% | 2,858 |
| Noncurrent loans to loans | 4.6240% | 1,525 |
| Net loans and leases to total assets | 44.3620% | 7,099 |
| Net loans and leases to deposits | 71.2841% | 5,429 |
| Net loans and leases to core deposits | 75.8129% | 6,413 |
| Total domestic deposits to total assets | 62.2327% | 7,752 |
| Equity capital to assets | 17.0853% | 549 |
| Core capital (leverage) ratio | 16.7294% | 523 |
| Tier 1 risk-based capital ratio | 26.0133% | 761 |
| Total risk-based capital ratio | 27.0788% | 764 |
| Memoranda: | ||
| Average total assets | $2,531,173,400 | 290 |
| Average earning assets | $2,387,622,200 | 278 |
| Average equity | $459,012,400 | 194 |
| Average total loans | $1,199,323,200 | 408 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 6,138 |
| Cost of funding earning assets | 0.2494% | 8,019 |
| Net interest margin | 4.8914% | 562 |
| Noninterest income to average assets | 1.4073% | 765 |
| Noninterest expense to average assets | 3.3431% | 2,754 |
| Loan and lease loss provision to assets | 0.2706% | 4,801 |
| Net operating income to assets | 1.6081% | 655 |
| Return on assets (ROA) | 1.6090% | 705 |
| Pretax return on assets | 2.3976% | 234 |
| Return on Equity (ROE) | 8.7386% | 2,359 |
| Retained earnings to average equity (ytd only) | 1.5091% | 4,470 |
| Net charge-offs to loans | 0.1194% | 5,504 |
| Credit loss provision to net charge-offs | 472.0930% | 831 |
| Earnings coverage of net charge-offs (x) | 46.5320% | 675 |
| Efficiency ratio | 55.6271% | 7,053 |
| Assets per employee ($millions) | 3.7634% | 4,280 |
| Cash dividends to net income (ytd only)* | 82.7309% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9440% | 1,919 |
| Loan loss allowance to noncurrent loans | 36.1795% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 2.8075% | 2,474 |
| Noncurrent loans to loans | 5.3731% | 1,183 |
| Net loans and leases to total assets | 44.2284% | 7,232 |
| Net loans and leases to deposits | 72.0346% | 5,640 |
| Net loans and leases to core deposits | 76.5228% | 6,578 |
| Total domestic deposits to total assets | 61.3988% | 7,838 |
| Equity capital to assets | 17.4834% | 565 |
| Core capital (leverage) ratio | 17.1207% | 539 |
| Tier 1 risk-based capital ratio | 26.4373% | 792 |
| Total risk-based capital ratio | 27.6889% | 769 |
| Memoranda: | ||
| Average total assets | $2,500,971,750 | 305 |
| Average earning assets | $2,353,255,250 | 296 |
| Average equity | $460,491,000 | 198 |
| Average total loans | $1,200,536,250 | 422 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 6,060 |
| Cost of funding earning assets | 0.2566% | 8,116 |
| Net interest margin | 4.9480% | 487 |
| Noninterest income to average assets | 1.3522% | 835 |
| Noninterest expense to average assets | 3.3686% | 2,730 |
| Loan and lease loss provision to assets | 0.2665% | 4,453 |
| Net operating income to assets | 1.5924% | 694 |
| Return on assets (ROA) | 1.5938% | 760 |
| Pretax return on assets | 2.3724% | 264 |
| Return on Equity (ROE) | 8.5036% | 2,568 |
| Retained earnings to average equity (ytd only) | 1.2743% | 4,635 |
| Net charge-offs to loans | 0.0875% | 5,325 |
| Credit loss provision to net charge-offs | 620.8333% | 746 |
| Earnings coverage of net charge-offs (x) | 61.4318% | 586 |
| Efficiency ratio | 56.0928% | 7,111 |
| Assets per employee ($millions) | 3.6689% | 4,401 |
| Cash dividends to net income (ytd only)* | 85.0148% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 2,020 |
| Loan loss allowance to noncurrent loans | 29.7770% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 3.2546% | 1,917 |
| Noncurrent loans to loans | 6.0709% | 896 |
| Net loans and leases to total assets | 46.4663% | 7,164 |
| Net loans and leases to deposits | 76.1636% | 5,146 |
| Net loans and leases to core deposits | 82.1175% | 6,228 |
| Total domestic deposits to total assets | 61.0085% | 7,915 |
| Equity capital to assets | 17.9783% | 554 |
| Core capital (leverage) ratio | 18.1521% | 494 |
| Tier 1 risk-based capital ratio | 26.7942% | 793 |
| Total risk-based capital ratio | 28.0361% | 772 |
| Memoranda: | ||
| Average total assets | $2,460,267,330 | 319 |
| Average earning assets | $2,313,658,000 | 312 |
| Average equity | $461,120,000 | 202 |
| Average total loans | $1,206,332,000 | 437 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2114% | 6,248 |
| Cost of funding earning assets | 0.2640% | 8,166 |
| Net interest margin | 4.9474% | 459 |
| Noninterest income to average assets | 1.3263% | 813 |
| Noninterest expense to average assets | 3.3407% | 2,536 |
| Loan and lease loss provision to assets | 0.3140% | 3,458 |
| Net operating income to assets | 1.5749% | 817 |
| Return on assets (ROA) | 1.5749% | 898 |
| Pretax return on assets | 2.3312% | 346 |
| Return on Equity (ROE) | 8.2267% | 3,049 |
| Retained earnings to average equity (ytd only) | 1.0192% | 5,235 |
| Net charge-offs to loans | -0.0334% | 7,585 |
| Credit loss provision to net charge-offs | -1,880.1980% | 6,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8091% | 6,996 |
| Assets per employee ($millions) | 3.4693% | 4,893 |
| Cash dividends to net income (ytd only)* | 87.6115% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 2,022 |
| Loan loss allowance to noncurrent loans | 27.1887% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 3.3618% | 1,622 |
| Noncurrent loans to loans | 6.3833% | 711 |
| Net loans and leases to total assets | 49.5260% | 6,899 |
| Net loans and leases to deposits | 80.0210% | 4,609 |
| Net loans and leases to core deposits | 86.4797% | 5,868 |
| Total domestic deposits to total assets | 61.8913% | 7,921 |
| Equity capital to assets | 19.0313% | 496 |
| Core capital (leverage) ratio | 18.4809% | 502 |
| Tier 1 risk-based capital ratio | 27.1361% | 811 |
| Total risk-based capital ratio | 28.3867% | 792 |
| Memoranda: | ||
| Average total assets | $2,419,133,000 | 323 |
| Average earning assets | $2,278,471,000 | 315 |
| Average equity | $463,127,500 | 198 |
| Average total loans | $1,207,912,000 | 443 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9289% | 5,906 |
| Cost of funding earning assets | 0.7203% | 8,141 |
| Net interest margin | 5.2086% | 334 |
| Noninterest income to average assets | 1.7137% | 464 |
| Noninterest expense to average assets | 3.5795% | 2,201 |
| Loan and lease loss provision to assets | 0.1460% | 5,493 |
| Net operating income to assets | 1.7988% | 557 |
| Return on assets (ROA) | 1.8020% | 528 |
| Pretax return on assets | 2.7644% | 126 |
| Return on Equity (ROE) | 9.2201% | 2,560 |
| Retained earnings to average equity (ytd only) | 1.8108% | 4,107 |
| Net charge-offs to loans | 0.3358% | 3,153 |
| Credit loss provision to net charge-offs | 87.4214% | 5,737 |
| Earnings coverage of net charge-offs (x) | 17.4018% | 1,773 |
| Efficiency ratio | 55.1972% | 7,125 |
| Assets per employee ($millions) | 3.5429% | 4,562 |
| Cash dividends to net income (ytd only)* | 80.3599% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 2,341 |
| Loan loss allowance to noncurrent loans | 28.1966% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 2.9503% | 1,563 |
| Noncurrent loans to loans | 5.5882% | 713 |
| Net loans and leases to total assets | 48.6901% | 7,132 |
| Net loans and leases to deposits | 81.2211% | 4,837 |
| Net loans and leases to core deposits | 86.7744% | 6,078 |
| Total domestic deposits to total assets | 59.9476% | 7,970 |
| Equity capital to assets | 19.2558% | 525 |
| Core capital (leverage) ratio | 18.1979% | 586 |
| Tier 1 risk-based capital ratio | 27.8219% | 770 |
| Total risk-based capital ratio | 29.0069% | 760 |
| Memoranda: | ||
| Average total assets | $2,380,784,600 | 311 |
| Average earning assets | $2,180,892,000 | 306 |
| Average equity | $465,310,600 | 197 |
| Average total loans | $1,183,797,000 | 439 |