Home > Lakeland Bank > Performance and Condition Ratios
Lakeland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 2,387 |
| Cost of funding earning assets | 1.9814% | 938 |
| Net interest margin | 2.8632% | 3,554 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.6642% | 4,176 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.8355% | 2,758 |
| Return on assets (ROA) | 0.8362% | 2,733 |
| Pretax return on assets | 1.0925% | 2,430 |
| Return on Equity (ROE) | 7.2400% | 3,223 |
| Retained earnings to average equity (ytd only) | 3.4256% | 3,155 |
| Net charge-offs to loans | 0.0038% | 2,610 |
| Credit loss provision to net charge-offs | 2,325.4839% | 204 |
| Earnings coverage of net charge-offs (x) | 428.0194% | 333 |
| Efficiency ratio | 57.2464% | 3,372 |
| Assets per employee ($millions) | 13.0179% | 325 |
| Cash dividends to net income (ytd only)* | 52.6931% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 3,632 |
| Loan loss allowance to noncurrent loans | 297.2037% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 2,049 |
| Noncurrent loans to loans | 0.3111% | 2,077 |
| Net loans and leases to total assets | 74.2800% | 1,316 |
| Net loans and leases to deposits | 95.8039% | 803 |
| Net loans and leases to core deposits | 103.8528% | 1,225 |
| Total domestic deposits to total assets | 77.5300% | 3,782 |
| Equity capital to assets | 11.6912% | 1,228 |
| Core capital (leverage) ratio | 10.0852% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4267% | 2,092 |
| Memoranda: | ||
| Average total assets | $10,960,963,800 | 151 |
| Average earning assets | $10,135,737,600 | 147 |
| Average equity | $1,265,833,600 | 140 |
| Average total loans | $8,112,164,400 | 143 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7801% | 2,311 |
| Cost of funding earning assets | 1.8369% | 947 |
| Net interest margin | 2.9432% | 3,445 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.7050% | 4,117 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.8158% | 2,978 |
| Return on assets (ROA) | 0.8131% | 2,973 |
| Pretax return on assets | 1.1018% | 2,561 |
| Return on Equity (ROE) | 7.0600% | 3,409 |
| Retained earnings to average equity (ytd only) | 3.1998% | 3,463 |
| Net charge-offs to loans | 0.0011% | 2,581 |
| Credit loss provision to net charge-offs | 7,405.9701% | 73 |
| Earnings coverage of net charge-offs (x) | 1,516.6119% | 96 |
| Efficiency ratio | 57.2444% | 3,289 |
| Assets per employee ($millions) | 13.2644% | 285 |
| Cash dividends to net income (ytd only)* | 54.6982% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 3,712 |
| Loan loss allowance to noncurrent loans | 559.9270% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 2,764 |
| Noncurrent loans to loans | 0.1618% | 2,739 |
| Net loans and leases to total assets | 73.6000% | 1,389 |
| Net loans and leases to deposits | 95.0282% | 817 |
| Net loans and leases to core deposits | 102.6380% | 1,178 |
| Total domestic deposits to total assets | 77.4500% | 3,881 |
| Equity capital to assets | 11.3253% | 1,234 |
| Core capital (leverage) ratio | 10.0384% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1581% | 2,217 |
| Memoranda: | ||
| Average total assets | $10,918,619,250 | 151 |
| Average earning assets | $10,089,097,500 | 148 |
| Average equity | $1,256,975,250 | 142 |
| Average total loans | $8,054,074,250 | 144 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6971% | 2,216 |
| Cost of funding earning assets | 1.6686% | 933 |
| Net interest margin | 3.0284% | 3,356 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.7604% | 4,069 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.8442% | 2,944 |
| Return on assets (ROA) | 0.8444% | 2,952 |
| Pretax return on assets | 1.0941% | 2,665 |
| Return on Equity (ROE) | 7.2900% | 3,414 |
| Retained earnings to average equity (ytd only) | 3.1924% | 3,422 |
| Net charge-offs to loans | -0.0017% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.3609% | 3,269 |
| Assets per employee ($millions) | 12.3063% | 349 |
| Cash dividends to net income (ytd only)* | 56.2342% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 3,740 |
| Loan loss allowance to noncurrent loans | 460.4108% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 2,516 |
| Noncurrent loans to loans | 0.1983% | 2,471 |
| Net loans and leases to total assets | 73.7100% | 1,329 |
| Net loans and leases to deposits | 94.5070% | 820 |
| Net loans and leases to core deposits | 101.9889% | 1,133 |
| Total domestic deposits to total assets | 78.0000% | 3,847 |
| Equity capital to assets | 11.6014% | 1,174 |
| Core capital (leverage) ratio | 10.0055% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3389% | 2,161 |
| Memoranda: | ||
| Average total assets | $10,835,296,333 | 148 |
| Average earning assets | $10,013,633,333 | 145 |
| Average equity | $1,254,341,667 | 137 |
| Average total loans | $7,973,663,000 | 141 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 2,132 |
| Cost of funding earning assets | 1.4585% | 923 |
| Net interest margin | 3.1221% | 3,300 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.7934% | 4,040 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.7922% | 3,217 |
| Return on assets (ROA) | 0.7966% | 3,153 |
| Pretax return on assets | 1.0314% | 2,903 |
| Return on Equity (ROE) | 6.8900% | 3,543 |
| Retained earnings to average equity (ytd only) | 1.8727% | 3,721 |
| Net charge-offs to loans | 0.0037% | 1,859 |
| Credit loss provision to net charge-offs | 1,639.1892% | 244 |
| Earnings coverage of net charge-offs (x) | 481.2297% | 237 |
| Efficiency ratio | 57.0254% | 3,303 |
| Assets per employee ($millions) | 12.2729% | 367 |
| Cash dividends to net income (ytd only)* | 72.8139% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 3,858 |
| Loan loss allowance to noncurrent loans | 423.0537% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 2,414 |
| Noncurrent loans to loans | 0.2122% | 2,412 |
| Net loans and leases to total assets | 72.7200% | 1,350 |
| Net loans and leases to deposits | 91.7736% | 930 |
| Net loans and leases to core deposits | 98.1933% | 1,166 |
| Total domestic deposits to total assets | 79.2400% | 3,875 |
| Equity capital to assets | 11.6017% | 1,126 |
| Core capital (leverage) ratio | 9.9532% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2093% | 2,298 |
| Memoranda: | ||
| Average total assets | $10,807,418,500 | 152 |
| Average earning assets | $9,990,484,500 | 149 |
| Average equity | $1,249,757,500 | 141 |
| Average total loans | $7,909,569,500 | 145 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 1,857 |
| Cost of funding earning assets | 0.5170% | 1,287 |
| Net interest margin | 3.4329% | 2,145 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.8718% | 3,889 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1386% | 2,016 |
| Return on assets (ROA) | 1.1283% | 2,006 |
| Pretax return on assets | 1.5089% | 1,423 |
| Return on Equity (ROE) | 9.6300% | 2,933 |
| Retained earnings to average equity (ytd only) | 5.1186% | 2,993 |
| Net charge-offs to loans | 0.1049% | 711 |
| Credit loss provision to net charge-offs | 101.8548% | 1,542 |
| Earnings coverage of net charge-offs (x) | 21.3427% | 1,860 |
| Efficiency ratio | 53.1354% | 3,864 |
| Assets per employee ($millions) | 12.0964% | 379 |
| Cash dividends to net income (ytd only)* | 46.8385% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 3,797 |
| Loan loss allowance to noncurrent loans | 404.6999% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,408 |
| Noncurrent loans to loans | 0.2207% | 2,386 |
| Net loans and leases to total assets | 72.3400% | 1,381 |
| Net loans and leases to deposits | 90.4811% | 1,015 |
| Net loans and leases to core deposits | 94.1956% | 1,286 |
| Total domestic deposits to total assets | 79.9500% | 3,884 |
| Equity capital to assets | 11.5258% | 1,077 |
| Core capital (leverage) ratio | 10.0302% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1488% | 2,308 |
| Memoranda: | ||
| Average total assets | $10,026,050,200 | 159 |
| Average earning assets | $9,305,153,800 | 154 |
| Average equity | $1,174,930,600 | 153 |
| Average total loans | $7,192,760,000 | 155 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 1,806 |
| Cost of funding earning assets | 0.3430% | 1,763 |
| Net interest margin | 3.4397% | 1,840 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.9298% | 3,676 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.0705% | 2,204 |
| Return on assets (ROA) | 1.0564% | 2,229 |
| Pretax return on assets | 1.3986% | 1,723 |
| Return on Equity (ROE) | 8.9700% | 3,039 |
| Retained earnings to average equity (ytd only) | 4.5471% | 3,264 |
| Net charge-offs to loans | 0.1418% | 464 |
| Credit loss provision to net charge-offs | 83.3311% | 1,410 |
| Earnings coverage of net charge-offs (x) | 15.5026% | 1,843 |
| Efficiency ratio | 54.4675% | 3,780 |
| Assets per employee ($millions) | 11.6633% | 427 |
| Cash dividends to net income (ytd only)* | 49.3316% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 3,825 |
| Loan loss allowance to noncurrent loans | 374.3220% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 2,409 |
| Noncurrent loans to loans | 0.2431% | 2,411 |
| Net loans and leases to total assets | 71.3800% | 1,353 |
| Net loans and leases to deposits | 85.9868% | 1,171 |
| Net loans and leases to core deposits | 88.8918% | 1,364 |
| Total domestic deposits to total assets | 83.0100% | 3,688 |
| Equity capital to assets | 11.5962% | 971 |
| Core capital (leverage) ratio | 10.0131% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1196% | 2,419 |
| Memoranda: | ||
| Average total assets | $9,838,093,250 | 162 |
| Average earning assets | $9,141,936,750 | 157 |
| Average equity | $1,158,102,750 | 155 |
| Average total loans | $7,024,303,500 | 157 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 1,724 |
| Cost of funding earning assets | 0.2039% | 2,864 |
| Net interest margin | 3.4343% | 1,501 |
| Noninterest income to average assets | 0.3051% | 3,336 |
| Noninterest expense to average assets | 1.9700% | 3,513 |
| Loan and lease loss provision to assets | 0.2063% | 394 |
| Net operating income to assets | 1.0071% | 2,128 |
| Return on assets (ROA) | 0.9931% | 2,156 |
| Pretax return on assets | 1.3106% | 1,712 |
| Return on Equity (ROE) | 8.3912% | 2,901 |
| Retained earnings to average equity (ytd only) | 4.3307% | 2,959 |
| Net charge-offs to loans | 0.2192% | 296 |
| Credit loss provision to net charge-offs | 82.8290% | 1,374 |
| Earnings coverage of net charge-offs (x) | 9.8346% | 1,773 |
| Efficiency ratio | 55.5069% | 3,822 |
| Assets per employee ($millions) | 11.5366% | 433 |
| Cash dividends to net income (ytd only)* | 48.3903% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 3,870 |
| Loan loss allowance to noncurrent loans | 310.6178% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 2,249 |
| Noncurrent loans to loans | 0.2991% | 2,267 |
| Net loans and leases to total assets | 70.7798% | 1,224 |
| Net loans and leases to deposits | 85.9250% | 978 |
| Net loans and leases to core deposits | 88.1918% | 1,215 |
| Total domestic deposits to total assets | 82.3740% | 3,959 |
| Equity capital to assets | 11.8658% | 919 |
| Core capital (leverage) ratio | 10.0279% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1580% | 2,433 |
| Memoranda: | ||
| Average total assets | $9,614,576,667 | 163 |
| Average earning assets | $8,956,938,000 | 158 |
| Average equity | $1,137,934,333 | 156 |
| Average total loans | $6,842,499,333 | 157 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5229% | 1,729 |
| Cost of funding earning assets | 0.1903% | 2,945 |
| Net interest margin | 3.3326% | 1,491 |
| Noninterest income to average assets | 0.3142% | 3,215 |
| Noninterest expense to average assets | 2.1567% | 2,953 |
| Loan and lease loss provision to assets | 0.2716% | 231 |
| Net operating income to assets | 0.7597% | 2,814 |
| Return on assets (ROA) | 0.7431% | 2,876 |
| Pretax return on assets | 0.9785% | 2,509 |
| Return on Equity (ROE) | 6.2874% | 3,257 |
| Retained earnings to average equity (ytd only) | 1.9033% | 3,572 |
| Net charge-offs to loans | 0.4661% | 147 |
| Credit loss provision to net charge-offs | 60.5862% | 1,168 |
| Earnings coverage of net charge-offs (x) | 3.8406% | 1,648 |
| Efficiency ratio | 62.1655% | 3,241 |
| Assets per employee ($millions) | 11.6255% | 436 |
| Cash dividends to net income (ytd only)* | 69.7284% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,925 |
| Loan loss allowance to noncurrent loans | 339.9797% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 2,481 |
| Noncurrent loans to loans | 0.2765% | 2,485 |
| Net loans and leases to total assets | 68.8197% | 1,129 |
| Net loans and leases to deposits | 80.4297% | 1,112 |
| Net loans and leases to core deposits | 82.7441% | 1,313 |
| Total domestic deposits to total assets | 85.5651% | 3,399 |
| Equity capital to assets | 11.9674% | 967 |
| Core capital (leverage) ratio | 9.9162% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3764% | 2,453 |
| Memoranda: | ||
| Average total assets | $9,236,155,500 | 173 |
| Average earning assets | $8,629,455,000 | 166 |
| Average equity | $1,091,575,500 | 164 |
| Average total loans | $6,558,895,000 | 160 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4681% | 2,757 |
| Cost of funding earning assets | 0.2300% | 3,134 |
| Net interest margin | 3.2381% | 2,495 |
| Noninterest income to average assets | 0.2850% | 3,685 |
| Noninterest expense to average assets | 1.7560% | 4,216 |
| Loan and lease loss provision to assets | -0.1374% | 4,605 |
| Net operating income to assets | 1.2698% | 1,689 |
| Return on assets (ROA) | 1.2670% | 1,751 |
| Pretax return on assets | 1.6924% | 1,169 |
| Return on Equity (ROE) | 11.2965% | 2,053 |
| Retained earnings to average equity (ytd only) | 5.6023% | 2,517 |
| Net charge-offs to loans | 0.0361% | 1,527 |
| Credit loss provision to net charge-offs | -504.8566% | 3,765 |
| Earnings coverage of net charge-offs (x) | 57.1684% | 1,210 |
| Efficiency ratio | 52.6486% | 4,066 |
| Assets per employee ($millions) | 11.1350% | 486 |
| Cash dividends to net income (ytd only)* | 50.4066% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 3,873 |
| Loan loss allowance to noncurrent loans | 341.8149% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,529 |
| Noncurrent loans to loans | 0.2841% | 2,581 |
| Net loans and leases to total assets | 72.2367% | 826 |
| Net loans and leases to deposits | 84.4932% | 882 |
| Net loans and leases to core deposits | 87.6211% | 1,100 |
| Total domestic deposits to total assets | 85.4941% | 3,094 |
| Equity capital to assets | 11.6318% | 1,434 |
| Core capital (leverage) ratio | 9.7004% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6698% | 2,377 |
| Memoranda: | ||
| Average total assets | $7,930,406,800 | 188 |
| Average earning assets | $7,419,651,000 | 184 |
| Average equity | $889,466,400 | 182 |
| Average total loans | $5,996,427,000 | 168 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5139% | 2,787 |
| Cost of funding earning assets | 0.2460% | 3,154 |
| Net interest margin | 3.2679% | 2,517 |
| Noninterest income to average assets | 0.2823% | 3,749 |
| Noninterest expense to average assets | 1.7629% | 4,236 |
| Loan and lease loss provision to assets | -0.1917% | 4,742 |
| Net operating income to assets | 1.3106% | 1,795 |
| Return on assets (ROA) | 1.3082% | 1,859 |
| Pretax return on assets | 1.7603% | 1,258 |
| Return on Equity (ROE) | 11.7772% | 2,124 |
| Retained earnings to average equity (ytd only) | 5.8689% | 2,884 |
| Net charge-offs to loans | 0.0521% | 1,137 |
| Credit loss provision to net charge-offs | -462.1426% | 3,625 |
| Earnings coverage of net charge-offs (x) | 39.5672% | 1,375 |
| Efficiency ratio | 52.5319% | 3,982 |
| Assets per employee ($millions) | 11.5249% | 428 |
| Cash dividends to net income (ytd only)* | 50.1678% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 3,897 |
| Loan loss allowance to noncurrent loans | 473.0857% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 3,111 |
| Noncurrent loans to loans | 0.2083% | 3,118 |
| Net loans and leases to total assets | 71.2712% | 953 |
| Net loans and leases to deposits | 83.4833% | 999 |
| Net loans and leases to core deposits | 86.9339% | 1,219 |
| Total domestic deposits to total assets | 85.3718% | 2,998 |
| Equity capital to assets | 11.5555% | 1,631 |
| Core capital (leverage) ratio | 9.8722% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8285% | 2,418 |
| Memoranda: | ||
| Average total assets | $7,864,174,250 | 188 |
| Average earning assets | $7,345,388,750 | 183 |
| Average equity | $873,516,000 | 184 |
| Average total loans | $6,001,011,000 | 168 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5528% | 2,767 |
| Cost of funding earning assets | 0.2622% | 3,167 |
| Net interest margin | 3.2906% | 2,470 |
| Noninterest income to average assets | 0.2868% | 3,707 |
| Noninterest expense to average assets | 1.7451% | 4,289 |
| Loan and lease loss provision to assets | -0.2216% | 4,781 |
| Net operating income to assets | 1.2760% | 1,932 |
| Return on assets (ROA) | 1.2735% | 2,015 |
| Pretax return on assets | 1.8304% | 1,166 |
| Return on Equity (ROE) | 11.6299% | 2,192 |
| Retained earnings to average equity (ytd only) | 5.8404% | 2,876 |
| Net charge-offs to loans | 0.0865% | 815 |
| Credit loss provision to net charge-offs | -310.8305% | 3,329 |
| Earnings coverage of net charge-offs (x) | 23.9422% | 1,448 |
| Efficiency ratio | 51.6387% | 4,080 |
| Assets per employee ($millions) | 11.2491% | 432 |
| Cash dividends to net income (ytd only)* | 49.7815% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,793 |
| Loan loss allowance to noncurrent loans | 267.0307% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 2,483 |
| Noncurrent loans to loans | 0.3776% | 2,542 |
| Net loans and leases to total assets | 75.5138% | 633 |
| Net loans and leases to deposits | 87.8939% | 781 |
| Net loans and leases to core deposits | 91.9962% | 1,006 |
| Total domestic deposits to total assets | 85.9148% | 2,769 |
| Equity capital to assets | 10.9969% | 1,975 |
| Core capital (leverage) ratio | 9.1877% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3887% | 2,883 |
| Memoranda: | ||
| Average total assets | $7,761,839,333 | 189 |
| Average earning assets | $7,242,087,667 | 185 |
| Average equity | $849,948,333 | 187 |
| Average total loans | $6,040,797,000 | 169 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5278% | 2,836 |
| Cost of funding earning assets | 0.2890% | 3,112 |
| Net interest margin | 3.2388% | 2,575 |
| Noninterest income to average assets | 0.3056% | 3,584 |
| Noninterest expense to average assets | 1.7509% | 4,287 |
| Loan and lease loss provision to assets | -0.1369% | 4,765 |
| Net operating income to assets | 1.3199% | 1,761 |
| Return on assets (ROA) | 1.3140% | 1,865 |
| Pretax return on assets | 1.7017% | 1,484 |
| Return on Equity (ROE) | 12.0253% | 2,004 |
| Retained earnings to average equity (ytd only) | 6.3388% | 2,784 |
| Net charge-offs to loans | 0.0702% | 852 |
| Credit loss provision to net charge-offs | -263.9098% | 3,029 |
| Earnings coverage of net charge-offs (x) | 28.5066% | 1,114 |
| Efficiency ratio | 52.3366% | 3,966 |
| Assets per employee ($millions) | 11.2297% | 418 |
| Cash dividends to net income (ytd only)* | 47.2879% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,426 |
| Loan loss allowance to noncurrent loans | 216.0637% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 2,203 |
| Noncurrent loans to loans | 0.5094% | 2,332 |
| Net loans and leases to total assets | 77.7628% | 480 |
| Net loans and leases to deposits | 90.6300% | 668 |
| Net loans and leases to core deposits | 95.7161% | 898 |
| Total domestic deposits to total assets | 85.8025% | 2,811 |
| Equity capital to assets | 10.8597% | 1,962 |
| Core capital (leverage) ratio | 9.1291% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3576% | 2,856 |
| Memoranda: | ||
| Average total assets | $7,716,816,500 | 189 |
| Average earning assets | $7,189,614,500 | 183 |
| Average equity | $843,189,000 | 188 |
| Average total loans | $6,066,371,500 | 169 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 3,603 |
| Cost of funding earning assets | 0.5220% | 2,801 |
| Net interest margin | 3.1677% | 3,442 |
| Noninterest income to average assets | 0.3630% | 3,297 |
| Noninterest expense to average assets | 1.8352% | 4,415 |
| Loan and lease loss provision to assets | 0.3568% | 958 |
| Net operating income to assets | 0.8502% | 2,896 |
| Return on assets (ROA) | 0.8643% | 2,984 |
| Pretax return on assets | 1.1241% | 2,605 |
| Return on Equity (ROE) | 7.6428% | 2,946 |
| Retained earnings to average equity (ytd only) | 4.0010% | 2,819 |
| Net charge-offs to loans | 0.0269% | 2,497 |
| Credit loss provision to net charge-offs | 1,718.0556% | 496 |
| Earnings coverage of net charge-offs (x) | 70.3995% | 970 |
| Efficiency ratio | 55.2125% | 4,075 |
| Assets per employee ($millions) | 11.0254% | 396 |
| Cash dividends to net income (ytd only)* | 47.6502% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 3,051 |
| Loan loss allowance to noncurrent loans | 166.3175% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 1,894 |
| Noncurrent loans to loans | 0.7101% | 1,919 |
| Net loans and leases to total assets | 77.6680% | 629 |
| Net loans and leases to deposits | 91.7727% | 793 |
| Net loans and leases to core deposits | 98.1257% | 1,000 |
| Total domestic deposits to total assets | 84.6309% | 2,904 |
| Equity capital to assets | 10.9945% | 2,256 |
| Core capital (leverage) ratio | 9.0390% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2192% | 2,862 |
| Memoranda: | ||
| Average total assets | $7,275,093,000 | 183 |
| Average earning assets | $6,741,388,800 | 182 |
| Average equity | $822,691,800 | 185 |
| Average total loans | $5,620,118,000 | 175 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 3,731 |
| Cost of funding earning assets | 0.5809% | 2,734 |
| Net interest margin | 3.1485% | 3,624 |
| Noninterest income to average assets | 0.3811% | 3,178 |
| Noninterest expense to average assets | 1.7758% | 4,534 |
| Loan and lease loss provision to assets | 0.4871% | 618 |
| Net operating income to assets | 0.7929% | 3,116 |
| Return on assets (ROA) | 0.8018% | 3,199 |
| Pretax return on assets | 1.0443% | 2,922 |
| Return on Equity (ROE) | 7.0380% | 3,180 |
| Retained earnings to average equity (ytd only) | 3.4277% | 3,346 |
| Net charge-offs to loans | 0.0238% | 2,366 |
| Credit loss provision to net charge-offs | 2,664.9390% | 382 |
| Earnings coverage of net charge-offs (x) | 83.1728% | 900 |
| Efficiency ratio | 53.4410% | 4,209 |
| Assets per employee ($millions) | 10.7785% | 402 |
| Cash dividends to net income (ytd only)* | 51.2973% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,128 |
| Loan loss allowance to noncurrent loans | 169.2312% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 2,156 |
| Noncurrent loans to loans | 0.6593% | 2,139 |
| Net loans and leases to total assets | 76.9711% | 967 |
| Net loans and leases to deposits | 91.9062% | 1,079 |
| Net loans and leases to core deposits | 98.8864% | 1,253 |
| Total domestic deposits to total assets | 83.7496% | 2,909 |
| Equity capital to assets | 11.0864% | 2,336 |
| Core capital (leverage) ratio | 9.0493% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3261% | 2,834 |
| Memoranda: | ||
| Average total assets | $7,178,199,750 | 183 |
| Average earning assets | $6,645,585,250 | 182 |
| Average equity | $817,746,500 | 184 |
| Average total loans | $5,519,505,750 | 175 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 3,846 |
| Cost of funding earning assets | 0.6468% | 2,719 |
| Net interest margin | 3.1605% | 3,763 |
| Noninterest income to average assets | 0.3844% | 3,177 |
| Noninterest expense to average assets | 1.8022% | 4,551 |
| Loan and lease loss provision to assets | 0.5157% | 673 |
| Net operating income to assets | 0.7598% | 3,184 |
| Return on assets (ROA) | 0.7735% | 3,257 |
| Pretax return on assets | 1.0083% | 2,997 |
| Return on Equity (ROE) | 6.7255% | 3,239 |
| Retained earnings to average equity (ytd only) | 3.0518% | 3,365 |
| Net charge-offs to loans | 0.0143% | 2,462 |
| Credit loss provision to net charge-offs | 4,708.7855% | 248 |
| Earnings coverage of net charge-offs (x) | 137.5762% | 562 |
| Efficiency ratio | 54.0126% | 4,176 |
| Assets per employee ($millions) | 10.6917% | 417 |
| Cash dividends to net income (ytd only)* | 54.6233% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,554 |
| Loan loss allowance to noncurrent loans | 161.2372% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 2,383 |
| Noncurrent loans to loans | 0.6229% | 2,301 |
| Net loans and leases to total assets | 76.1754% | 1,109 |
| Net loans and leases to deposits | 92.6584% | 1,079 |
| Net loans and leases to core deposits | 101.2565% | 1,169 |
| Total domestic deposits to total assets | 82.2110% | 3,314 |
| Equity capital to assets | 11.0131% | 2,332 |
| Core capital (leverage) ratio | 9.3987% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3365% | 2,873 |
| Memoranda: | ||
| Average total assets | $7,066,726,667 | 186 |
| Average earning assets | $6,539,320,333 | 181 |
| Average equity | $812,703,000 | 185 |
| Average total loans | $5,410,078,333 | 176 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 3,770 |
| Cost of funding earning assets | 0.7680% | 2,555 |
| Net interest margin | 3.2373% | 3,756 |
| Noninterest income to average assets | 0.4846% | 2,637 |
| Noninterest expense to average assets | 1.8897% | 4,556 |
| Loan and lease loss provision to assets | 0.5379% | 539 |
| Net operating income to assets | 0.8278% | 2,805 |
| Return on assets (ROA) | 0.8520% | 2,804 |
| Pretax return on assets | 1.0832% | 2,581 |
| Return on Equity (ROE) | 7.2413% | 2,855 |
| Retained earnings to average equity (ytd only) | 2.1345% | 3,391 |
| Net charge-offs to loans | 0.0261% | 1,847 |
| Credit loss provision to net charge-offs | 2,696.7836% | 279 |
| Earnings coverage of net charge-offs (x) | 79.7339% | 674 |
| Efficiency ratio | 53.8547% | 4,406 |
| Assets per employee ($millions) | 10.0568% | 376 |
| Cash dividends to net income (ytd only)* | 70.5230% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 4,051 |
| Loan loss allowance to noncurrent loans | 139.0132% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 2,479 |
| Noncurrent loans to loans | 0.6595% | 2,338 |
| Net loans and leases to total assets | 75.3661% | 1,411 |
| Net loans and leases to deposits | 96.2835% | 882 |
| Net loans and leases to core deposits | 106.0087% | 1,061 |
| Total domestic deposits to total assets | 78.2752% | 4,170 |
| Equity capital to assets | 11.5988% | 2,360 |
| Core capital (leverage) ratio | 10.0952% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3138% | 3,000 |
| Memoranda: | ||
| Average total assets | $6,857,997,500 | 187 |
| Average earning assets | $6,346,023,500 | 182 |
| Average equity | $806,932,500 | 186 |
| Average total loans | $5,235,643,500 | 181 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 3,370 |
| Cost of funding earning assets | 0.9262% | 2,077 |
| Net interest margin | 3.4326% | 3,644 |
| Noninterest income to average assets | 0.4132% | 3,212 |
| Noninterest expense to average assets | 1.9888% | 4,552 |
| Loan and lease loss provision to assets | 0.0335% | 3,340 |
| Net operating income to assets | 1.1784% | 2,140 |
| Return on assets (ROA) | 1.1821% | 2,225 |
| Pretax return on assets | 1.5745% | 1,568 |
| Return on Equity (ROE) | 9.8075% | 2,389 |
| Retained earnings to average equity (ytd only) | 4.9858% | 2,426 |
| Net charge-offs to loans | -0.0038% | 4,302 |
| Credit loss provision to net charge-offs | -1,151.3514% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8477% | 4,336 |
| Assets per employee ($millions) | 9.6914% | 386 |
| Cash dividends to net income (ytd only)* | 49.1641% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7783% | 4,371 |
| Loan loss allowance to noncurrent loans | 162.3235% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 2,909 |
| Noncurrent loans to loans | 0.4795% | 2,750 |
| Net loans and leases to total assets | 76.0399% | 1,407 |
| Net loans and leases to deposits | 95.7781% | 963 |
| Net loans and leases to core deposits | 101.1443% | 1,472 |
| Total domestic deposits to total assets | 79.3917% | 4,103 |
| Equity capital to assets | 11.9414% | 2,171 |
| Core capital (leverage) ratio | 10.1557% | 3,348 |
| Tier 1 risk-based capital ratio | 11.8925% | 4,426 |
| Total risk-based capital ratio | 12.6690% | 4,548 |
| Memoranda: | ||
| Average total assets | $6,350,077,600 | 188 |
| Average earning assets | $5,880,798,400 | 184 |
| Average equity | $765,380,600 | 191 |
| Average total loans | $4,873,931,400 | 183 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 3,269 |
| Cost of funding earning assets | 0.9587% | 1,945 |
| Net interest margin | 3.4702% | 3,662 |
| Noninterest income to average assets | 0.3884% | 3,388 |
| Noninterest expense to average assets | 2.0198% | 4,513 |
| Loan and lease loss provision to assets | 0.0222% | 3,469 |
| Net operating income to assets | 1.1690% | 2,303 |
| Return on assets (ROA) | 1.1747% | 2,359 |
| Pretax return on assets | 1.5661% | 1,760 |
| Return on Equity (ROE) | 9.7217% | 2,552 |
| Retained earnings to average equity (ytd only) | 4.9094% | 2,934 |
| Net charge-offs to loans | 0.0021% | 3,364 |
| Credit loss provision to net charge-offs | 1,355.8442% | 274 |
| Earnings coverage of net charge-offs (x) | 964.2723% | 96 |
| Efficiency ratio | 55.5640% | 4,208 |
| Assets per employee ($millions) | 9.2948% | 433 |
| Cash dividends to net income (ytd only)* | 49.5006% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 4,455 |
| Loan loss allowance to noncurrent loans | 177.1540% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 3,100 |
| Noncurrent loans to loans | 0.4429% | 2,984 |
| Net loans and leases to total assets | 75.3389% | 1,597 |
| Net loans and leases to deposits | 93.3023% | 1,291 |
| Net loans and leases to core deposits | 98.5593% | 1,779 |
| Total domestic deposits to total assets | 80.7471% | 3,821 |
| Equity capital to assets | 12.1884% | 2,123 |
| Core capital (leverage) ratio | 10.1228% | 3,504 |
| Tier 1 risk-based capital ratio | 12.1901% | 4,320 |
| Total risk-based capital ratio | 12.9742% | 4,455 |
| Memoranda: | ||
| Average total assets | $6,260,989,500 | 193 |
| Average earning assets | $5,796,071,250 | 189 |
| Average equity | $756,515,500 | 196 |
| Average total loans | $4,807,522,750 | 185 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 3,131 |
| Cost of funding earning assets | 0.9502% | 1,912 |
| Net interest margin | 3.5136% | 3,558 |
| Noninterest income to average assets | 0.3760% | 3,427 |
| Noninterest expense to average assets | 2.1132% | 4,396 |
| Loan and lease loss provision to assets | 0.0164% | 3,457 |
| Net operating income to assets | 1.1304% | 2,402 |
| Return on assets (ROA) | 1.1374% | 2,456 |
| Pretax return on assets | 1.5113% | 1,820 |
| Return on Equity (ROE) | 9.4417% | 2,664 |
| Retained earnings to average equity (ytd only) | 4.7712% | 2,880 |
| Net charge-offs to loans | -0.0195% | 4,541 |
| Credit loss provision to net charge-offs | -109.0129% | 3,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6420% | 4,055 |
| Assets per employee ($millions) | 8.9753% | 468 |
| Cash dividends to net income (ytd only)* | 49.4670% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 4,492 |
| Loan loss allowance to noncurrent loans | 187.1074% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 3,209 |
| Noncurrent loans to loans | 0.4197% | 3,032 |
| Net loans and leases to total assets | 76.3373% | 1,500 |
| Net loans and leases to deposits | 95.6220% | 1,081 |
| Net loans and leases to core deposits | 102.8035% | 1,490 |
| Total domestic deposits to total assets | 79.8323% | 4,068 |
| Equity capital to assets | 12.1675% | 2,070 |
| Core capital (leverage) ratio | 10.1531% | 3,439 |
| Tier 1 risk-based capital ratio | 12.1295% | 4,344 |
| Total risk-based capital ratio | 12.9229% | 4,495 |
| Memoranda: | ||
| Average total assets | $6,185,385,670 | 195 |
| Average earning assets | $5,732,343,000 | 189 |
| Average equity | $745,100,330 | 196 |
| Average total loans | $4,767,866,670 | 186 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 2,951 |
| Cost of funding earning assets | 0.9277% | 1,892 |
| Net interest margin | 3.5495% | 3,432 |
| Noninterest income to average assets | 0.3523% | 3,499 |
| Noninterest expense to average assets | 2.2287% | 4,192 |
| Loan and lease loss provision to assets | 0.0334% | 2,963 |
| Net operating income to assets | 1.0728% | 2,574 |
| Return on assets (ROA) | 1.0795% | 2,593 |
| Pretax return on assets | 1.3920% | 2,109 |
| Return on Equity (ROE) | 9.0091% | 2,809 |
| Retained earnings to average equity (ytd only) | 4.2854% | 3,207 |
| Net charge-offs to loans | 0.0185% | 2,097 |
| Credit loss provision to net charge-offs | 234.1014% | 959 |
| Earnings coverage of net charge-offs (x) | 99.2304% | 669 |
| Efficiency ratio | 60.5837% | 3,735 |
| Assets per employee ($millions) | 9.0340% | 465 |
| Cash dividends to net income (ytd only)* | 52.4323% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 4,600 |
| Loan loss allowance to noncurrent loans | 182.7407% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 3,249 |
| Noncurrent loans to loans | 0.4222% | 3,079 |
| Net loans and leases to total assets | 76.7936% | 1,347 |
| Net loans and leases to deposits | 95.9167% | 974 |
| Net loans and leases to core deposits | 102.4913% | 1,414 |
| Total domestic deposits to total assets | 80.0628% | 4,165 |
| Equity capital to assets | 11.9864% | 2,028 |
| Core capital (leverage) ratio | 10.1068% | 3,486 |
| Tier 1 risk-based capital ratio | 12.0166% | 4,447 |
| Total risk-based capital ratio | 12.8118% | 4,595 |
| Memoranda: | ||
| Average total assets | $6,078,396,500 | 198 |
| Average earning assets | $5,639,863,000 | 192 |
| Average equity | $728,329,500 | 199 |
| Average total loans | $4,689,918,000 | 187 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 3,643 |
| Cost of funding earning assets | 0.6678% | 2,282 |
| Net interest margin | 3.4641% | 3,821 |
| Noninterest income to average assets | 0.4109% | 3,375 |
| Noninterest expense to average assets | 1.9911% | 4,773 |
| Loan and lease loss provision to assets | 0.0794% | 2,540 |
| Net operating income to assets | 1.2278% | 2,057 |
| Return on assets (ROA) | 1.2243% | 2,060 |
| Pretax return on assets | 1.5485% | 1,629 |
| Return on Equity (ROE) | 10.1270% | 2,465 |
| Retained earnings to average equity (ytd only) | 5.5744% | 2,435 |
| Net charge-offs to loans | 0.0508% | 2,426 |
| Credit loss provision to net charge-offs | 202.4312% | 1,421 |
| Earnings coverage of net charge-offs (x) | 41.6138% | 1,274 |
| Efficiency ratio | 54.6569% | 4,564 |
| Assets per employee ($millions) | 8.8909% | 489 |
| Cash dividends to net income (ytd only)* | 44.9554% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 4,371 |
| Loan loss allowance to noncurrent loans | 306.7557% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 3,698 |
| Noncurrent loans to loans | 0.2756% | 3,584 |
| Net loans and leases to total assets | 76.2508% | 1,567 |
| Net loans and leases to deposits | 95.1456% | 1,157 |
| Net loans and leases to core deposits | 100.4263% | 1,688 |
| Total domestic deposits to total assets | 80.1412% | 4,071 |
| Equity capital to assets | 11.9777% | 1,915 |
| Core capital (leverage) ratio | 10.1654% | 3,390 |
| Tier 1 risk-based capital ratio | 12.1941% | 4,299 |
| Total risk-based capital ratio | 13.0569% | 4,435 |
| Memoranda: | ||
| Average total assets | $5,557,757,000 | 205 |
| Average earning assets | $5,154,033,800 | 197 |
| Average equity | $671,894,200 | 198 |
| Average total loans | $4,288,735,800 | 193 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 3,641 |
| Cost of funding earning assets | 0.6145% | 2,377 |
| Net interest margin | 3.4827% | 3,753 |
| Noninterest income to average assets | 0.4129% | 3,407 |
| Noninterest expense to average assets | 1.9926% | 4,755 |
| Loan and lease loss provision to assets | 0.0927% | 2,125 |
| Net operating income to assets | 1.2405% | 2,084 |
| Return on assets (ROA) | 1.2341% | 2,109 |
| Pretax return on assets | 1.5470% | 1,739 |
| Return on Equity (ROE) | 10.1836% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.2939% | 3,062 |
| Net charge-offs to loans | 0.0623% | 1,934 |
| Credit loss provision to net charge-offs | 192.6411% | 1,427 |
| Earnings coverage of net charge-offs (x) | 34.2469% | 1,491 |
| Efficiency ratio | 54.4354% | 4,568 |
| Assets per employee ($millions) | 8.7319% | 487 |
| Cash dividends to net income (ytd only)* | 48.0153% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 4,411 |
| Loan loss allowance to noncurrent loans | 329.7931% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 3,707 |
| Noncurrent loans to loans | 0.2612% | 3,751 |
| Net loans and leases to total assets | 76.4459% | 1,593 |
| Net loans and leases to deposits | 91.9555% | 1,631 |
| Net loans and leases to core deposits | 97.4697% | 1,980 |
| Total domestic deposits to total assets | 83.1336% | 3,253 |
| Equity capital to assets | 12.0557% | 1,876 |
| Core capital (leverage) ratio | 10.1895% | 3,422 |
| Tier 1 risk-based capital ratio | 12.1415% | 4,418 |
| Total risk-based capital ratio | 13.0131% | 4,522 |
| Memoranda: | ||
| Average total assets | $5,497,978,750 | 207 |
| Average earning assets | $5,095,033,250 | 200 |
| Average equity | $666,284,500 | 198 |
| Average total loans | $4,246,458,500 | 190 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,624 |
| Cost of funding earning assets | 0.5578% | 2,540 |
| Net interest margin | 3.4874% | 3,674 |
| Noninterest income to average assets | 0.4016% | 3,474 |
| Noninterest expense to average assets | 1.9956% | 4,808 |
| Loan and lease loss provision to assets | 0.1017% | 1,913 |
| Net operating income to assets | 1.2047% | 2,177 |
| Return on assets (ROA) | 1.1975% | 2,207 |
| Pretax return on assets | 1.5276% | 1,720 |
| Return on Equity (ROE) | 9.8634% | 2,626 |
| Retained earnings to average equity (ytd only) | 5.0764% | 3,036 |
| Net charge-offs to loans | 0.0771% | 1,557 |
| Credit loss provision to net charge-offs | 170.6208% | 1,450 |
| Earnings coverage of net charge-offs (x) | 27.4880% | 1,579 |
| Efficiency ratio | 54.6006% | 4,628 |
| Assets per employee ($millions) | 8.2657% | 569 |
| Cash dividends to net income (ytd only)* | 48.5330% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 4,535 |
| Loan loss allowance to noncurrent loans | 253.4728% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 3,557 |
| Noncurrent loans to loans | 0.3375% | 3,491 |
| Net loans and leases to total assets | 76.8383% | 1,503 |
| Net loans and leases to deposits | 95.9423% | 1,146 |
| Net loans and leases to core deposits | 103.2118% | 1,464 |
| Total domestic deposits to total assets | 80.0880% | 4,217 |
| Equity capital to assets | 12.1127% | 1,776 |
| Core capital (leverage) ratio | 10.2577% | 3,283 |
| Tier 1 risk-based capital ratio | 12.1394% | 4,411 |
| Total risk-based capital ratio | 13.0119% | 4,522 |
| Memoranda: | ||
| Average total assets | $5,459,091,000 | 203 |
| Average earning assets | $5,059,997,670 | 199 |
| Average equity | $662,750,330 | 197 |
| Average total loans | $4,218,792,000 | 193 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 3,671 |
| Cost of funding earning assets | 0.5267% | 2,575 |
| Net interest margin | 3.4565% | 3,684 |
| Noninterest income to average assets | 0.3934% | 3,515 |
| Noninterest expense to average assets | 1.9936% | 4,862 |
| Loan and lease loss provision to assets | 0.0946% | 1,932 |
| Net operating income to assets | 1.1800% | 2,094 |
| Return on assets (ROA) | 1.1698% | 2,147 |
| Pretax return on assets | 1.4966% | 1,691 |
| Return on Equity (ROE) | 9.6246% | 2,619 |
| Retained earnings to average equity (ytd only) | 5.0342% | 3,154 |
| Net charge-offs to loans | 0.1046% | 1,156 |
| Credit loss provision to net charge-offs | 117.2603% | 1,401 |
| Earnings coverage of net charge-offs (x) | 19.8785% | 1,490 |
| Efficiency ratio | 55.0913% | 4,686 |
| Assets per employee ($millions) | 8.5232% | 527 |
| Cash dividends to net income (ytd only)* | 47.6943% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 4,665 |
| Loan loss allowance to noncurrent loans | 263.5221% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 3,775 |
| Noncurrent loans to loans | 0.3202% | 3,617 |
| Net loans and leases to total assets | 76.6622% | 1,432 |
| Net loans and leases to deposits | 93.7504% | 1,248 |
| Net loans and leases to core deposits | 101.4872% | 1,572 |
| Total domestic deposits to total assets | 81.7727% | 4,025 |
| Equity capital to assets | 12.1081% | 1,710 |
| Core capital (leverage) ratio | 10.1456% | 3,366 |
| Tier 1 risk-based capital ratio | 12.1269% | 4,479 |
| Total risk-based capital ratio | 12.9916% | 4,602 |
| Memoranda: | ||
| Average total assets | $5,427,886,000 | 205 |
| Average earning assets | $5,031,698,000 | 198 |
| Average equity | $659,724,500 | 198 |
| Average total loans | $4,188,572,500 | 193 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 3,807 |
| Cost of funding earning assets | 0.4052% | 3,200 |
| Net interest margin | 3.4687% | 3,626 |
| Noninterest income to average assets | 0.4321% | 3,421 |
| Noninterest expense to average assets | 1.9681% | 5,013 |
| Loan and lease loss provision to assets | 0.1151% | 1,973 |
| Net operating income to assets | 1.0070% | 2,212 |
| Return on assets (ROA) | 1.0068% | 2,250 |
| Pretax return on assets | 1.5639% | 1,403 |
| Return on Equity (ROE) | 8.2584% | 2,665 |
| Retained earnings to average equity (ytd only) | 4.1253% | 2,692 |
| Net charge-offs to loans | 0.0467% | 2,852 |
| Credit loss provision to net charge-offs | 323.9362% | 889 |
| Earnings coverage of net charge-offs (x) | 47.2729% | 1,135 |
| Efficiency ratio | 53.6204% | 4,978 |
| Assets per employee ($millions) | 8.6835% | 501 |
| Cash dividends to net income (ytd only)* | 50.0469% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 4,651 |
| Loan loss allowance to noncurrent loans | 252.5105% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 3,785 |
| Noncurrent loans to loans | 0.3381% | 3,549 |
| Net loans and leases to total assets | 76.3612% | 1,531 |
| Net loans and leases to deposits | 93.8697% | 1,289 |
| Net loans and leases to core deposits | 100.6846% | 1,661 |
| Total domestic deposits to total assets | 81.3481% | 4,038 |
| Equity capital to assets | 12.2012% | 1,703 |
| Core capital (leverage) ratio | 10.0551% | 3,382 |
| Tier 1 risk-based capital ratio | 11.9967% | 4,529 |
| Total risk-based capital ratio | 12.8619% | 4,670 |
| Memoranda: | ||
| Average total assets | $5,292,202,200 | 202 |
| Average earning assets | $4,905,589,400 | 196 |
| Average equity | $645,164,600 | 190 |
| Average total loans | $4,028,088,000 | 190 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 3,877 |
| Cost of funding earning assets | 0.3842% | 3,343 |
| Net interest margin | 3.4538% | 3,666 |
| Noninterest income to average assets | 0.4329% | 3,451 |
| Noninterest expense to average assets | 1.9845% | 4,985 |
| Loan and lease loss provision to assets | 0.1233% | 1,753 |
| Net operating income to assets | 1.0062% | 2,525 |
| Return on assets (ROA) | 1.0060% | 2,566 |
| Pretax return on assets | 1.5281% | 1,673 |
| Return on Equity (ROE) | 8.2536% | 2,993 |
| Retained earnings to average equity (ytd only) | 4.1577% | 3,431 |
| Net charge-offs to loans | 0.0731% | 2,088 |
| Credit loss provision to net charge-offs | 222.2628% | 1,244 |
| Earnings coverage of net charge-offs (x) | 29.7697% | 1,560 |
| Efficiency ratio | 54.2335% | 4,917 |
| Assets per employee ($millions) | 8.5868% | 505 |
| Cash dividends to net income (ytd only)* | 49.6251% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 4,815 |
| Loan loss allowance to noncurrent loans | 246.7811% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 3,966 |
| Noncurrent loans to loans | 0.3360% | 3,748 |
| Net loans and leases to total assets | 75.2429% | 1,718 |
| Net loans and leases to deposits | 92.7580% | 1,450 |
| Net loans and leases to core deposits | 99.3635% | 1,761 |
| Total domestic deposits to total assets | 81.1175% | 4,015 |
| Equity capital to assets | 12.1285% | 1,884 |
| Core capital (leverage) ratio | 10.0481% | 3,515 |
| Tier 1 risk-based capital ratio | 11.9884% | 4,631 |
| Total risk-based capital ratio | 12.8308% | 4,789 |
| Memoranda: | ||
| Average total assets | $5,267,146,750 | 206 |
| Average earning assets | $4,885,343,750 | 199 |
| Average equity | $641,970,250 | 191 |
| Average total loans | $3,996,816,000 | 192 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 3,920 |
| Cost of funding earning assets | 0.3605% | 3,477 |
| Net interest margin | 3.4321% | 3,663 |
| Noninterest income to average assets | 0.4462% | 3,380 |
| Noninterest expense to average assets | 2.0504% | 4,879 |
| Loan and lease loss provision to assets | 0.1165% | 1,763 |
| Net operating income to assets | 0.9653% | 2,583 |
| Return on assets (ROA) | 0.9649% | 2,639 |
| Pretax return on assets | 1.4629% | 1,791 |
| Return on Equity (ROE) | 7.9034% | 3,088 |
| Retained earnings to average equity (ytd only) | 3.9269% | 3,357 |
| Net charge-offs to loans | 0.0740% | 1,880 |
| Credit loss provision to net charge-offs | 207.5665% | 1,235 |
| Earnings coverage of net charge-offs (x) | 28.1397% | 1,515 |
| Efficiency ratio | 56.0722% | 4,822 |
| Assets per employee ($millions) | 8.5664% | 494 |
| Cash dividends to net income (ytd only)* | 50.3134% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 4,922 |
| Loan loss allowance to noncurrent loans | 199.2775% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 3,789 |
| Noncurrent loans to loans | 0.4065% | 3,568 |
| Net loans and leases to total assets | 75.0616% | 1,690 |
| Net loans and leases to deposits | 94.7136% | 1,201 |
| Net loans and leases to core deposits | 101.5044% | 1,547 |
| Total domestic deposits to total assets | 79.2511% | 4,574 |
| Equity capital to assets | 12.0662% | 1,885 |
| Core capital (leverage) ratio | 10.0068% | 3,530 |
| Tier 1 risk-based capital ratio | 11.9837% | 4,643 |
| Total risk-based capital ratio | 12.8130% | 4,812 |
| Memoranda: | ||
| Average total assets | $5,225,364,670 | 208 |
| Average earning assets | $4,847,873,670 | 202 |
| Average equity | $637,951,670 | 193 |
| Average total loans | $3,965,290,000 | 193 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 3,983 |
| Cost of funding earning assets | 0.3533% | 3,492 |
| Net interest margin | 3.3845% | 3,696 |
| Noninterest income to average assets | 0.4298% | 3,449 |
| Noninterest expense to average assets | 2.1992% | 4,646 |
| Loan and lease loss provision to assets | 0.0944% | 1,965 |
| Net operating income to assets | 0.8467% | 3,006 |
| Return on assets (ROA) | 0.8467% | 3,049 |
| Pretax return on assets | 1.2769% | 2,323 |
| Return on Equity (ROE) | 6.8937% | 3,449 |
| Retained earnings to average equity (ytd only) | 3.4673% | 3,704 |
| Net charge-offs to loans | 0.0890% | 1,454 |
| Credit loss provision to net charge-offs | 139.5189% | 1,263 |
| Earnings coverage of net charge-offs (x) | 20.2680% | 1,489 |
| Efficiency ratio | 61.1700% | 4,291 |
| Assets per employee ($millions) | 8.7616% | 457 |
| Cash dividends to net income (ytd only)* | 49.7025% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 5,079 |
| Loan loss allowance to noncurrent loans | 173.5333% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 3,757 |
| Noncurrent loans to loans | 0.4583% | 3,457 |
| Net loans and leases to total assets | 75.2052% | 1,546 |
| Net loans and leases to deposits | 91.4980% | 1,379 |
| Net loans and leases to core deposits | 97.4556% | 1,706 |
| Total domestic deposits to total assets | 82.1933% | 4,114 |
| Equity capital to assets | 12.1687% | 1,728 |
| Core capital (leverage) ratio | 10.0375% | 3,448 |
| Tier 1 risk-based capital ratio | 12.0028% | 4,718 |
| Total risk-based capital ratio | 12.8156% | 4,888 |
| Memoranda: | ||
| Average total assets | $5,161,055,500 | 209 |
| Average earning assets | $4,789,408,500 | 201 |
| Average equity | $633,915,500 | 192 |
| Average total loans | $3,922,131,000 | 194 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 3,605 |
| Cost of funding earning assets | 0.3689% | 3,325 |
| Net interest margin | 3.5200% | 3,360 |
| Noninterest income to average assets | 0.4610% | 3,476 |
| Noninterest expense to average assets | 2.1918% | 4,790 |
| Loan and lease loss provision to assets | 0.0930% | 2,498 |
| Net operating income to assets | 0.9440% | 2,610 |
| Return on assets (ROA) | 0.9494% | 2,697 |
| Pretax return on assets | 1.4378% | 1,791 |
| Return on Equity (ROE) | 8.4733% | 2,688 |
| Retained earnings to average equity (ytd only) | 4.4051% | 2,779 |
| Net charge-offs to loans | 0.1103% | 2,166 |
| Credit loss provision to net charge-offs | 109.6314% | 2,395 |
| Earnings coverage of net charge-offs (x) | 17.9403% | 2,006 |
| Efficiency ratio | 58.5721% | 4,781 |
| Assets per employee ($millions) | 8.5856% | 488 |
| Cash dividends to net income (ytd only)* | 48.0122% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 5,084 |
| Loan loss allowance to noncurrent loans | 148.5170% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 3,524 |
| Noncurrent loans to loans | 0.5433% | 3,220 |
| Net loans and leases to total assets | 75.5724% | 1,588 |
| Net loans and leases to deposits | 93.5822% | 1,241 |
| Net loans and leases to core deposits | 97.5212% | 1,799 |
| Total domestic deposits to total assets | 80.7550% | 4,404 |
| Equity capital to assets | 12.4002% | 1,577 |
| Core capital (leverage) ratio | 10.2057% | 3,219 |
| Tier 1 risk-based capital ratio | 12.2063% | 4,573 |
| Total risk-based capital ratio | 13.0349% | 4,771 |
| Memoranda: | ||
| Average total assets | $4,538,456,400 | 214 |
| Average earning assets | $4,194,818,000 | 207 |
| Average equity | $508,500,600 | 217 |
| Average total loans | $3,491,832,600 | 202 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 3,524 |
| Cost of funding earning assets | 0.3697% | 3,332 |
| Net interest margin | 3.5486% | 3,277 |
| Noninterest income to average assets | 0.4777% | 3,395 |
| Noninterest expense to average assets | 2.2654% | 4,615 |
| Loan and lease loss provision to assets | 0.1165% | 1,984 |
| Net operating income to assets | 0.9090% | 2,856 |
| Return on assets (ROA) | 0.9164% | 2,951 |
| Pretax return on assets | 1.3844% | 2,106 |
| Return on Equity (ROE) | 8.4386% | 2,788 |
| Retained earnings to average equity (ytd only) | 4.2577% | 3,294 |
| Net charge-offs to loans | 0.1316% | 1,652 |
| Credit loss provision to net charge-offs | 114.7629% | 2,164 |
| Earnings coverage of net charge-offs (x) | 14.6699% | 2,228 |
| Efficiency ratio | 59.8993% | 4,556 |
| Assets per employee ($millions) | 8.3371% | 513 |
| Cash dividends to net income (ytd only)* | 49.5456% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 5,112 |
| Loan loss allowance to noncurrent loans | 134.5385% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 3,396 |
| Noncurrent loans to loans | 0.6144% | 3,175 |
| Net loans and leases to total assets | 76.9050% | 1,380 |
| Net loans and leases to deposits | 95.2297% | 1,122 |
| Net loans and leases to core deposits | 99.3590% | 1,698 |
| Total domestic deposits to total assets | 80.7574% | 4,304 |
| Equity capital to assets | 11.8876% | 2,191 |
| Core capital (leverage) ratio | 9.4649% | 4,227 |
| Tier 1 risk-based capital ratio | 11.1182% | 5,303 |
| Total risk-based capital ratio | 11.9731% | 5,423 |
| Memoranda: | ||
| Average total assets | $4,402,402,500 | 219 |
| Average earning assets | $4,065,913,500 | 213 |
| Average equity | $478,060,250 | 230 |
| Average total loans | $3,396,705,500 | 206 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 3,569 |
| Cost of funding earning assets | 0.3621% | 3,430 |
| Net interest margin | 3.5492% | 3,299 |
| Noninterest income to average assets | 0.4418% | 3,578 |
| Noninterest expense to average assets | 2.3062% | 4,594 |
| Loan and lease loss provision to assets | 0.0984% | 2,193 |
| Net operating income to assets | 0.8717% | 2,999 |
| Return on assets (ROA) | 0.8832% | 3,068 |
| Pretax return on assets | 1.3315% | 2,280 |
| Return on Equity (ROE) | 8.4408% | 2,776 |
| Retained earnings to average equity (ytd only) | 4.3401% | 3,156 |
| Net charge-offs to loans | 0.1404% | 1,482 |
| Credit loss provision to net charge-offs | 90.9686% | 2,225 |
| Earnings coverage of net charge-offs (x) | 13.0598% | 2,150 |
| Efficiency ratio | 61.5973% | 4,407 |
| Assets per employee ($millions) | 7.6203% | 668 |
| Cash dividends to net income (ytd only)* | 48.5815% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 5,001 |
| Loan loss allowance to noncurrent loans | 120.4895% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 3,201 |
| Noncurrent loans to loans | 0.7361% | 2,898 |
| Net loans and leases to total assets | 76.8788% | 1,358 |
| Net loans and leases to deposits | 96.7030% | 1,000 |
| Net loans and leases to core deposits | 101.0765% | 1,556 |
| Total domestic deposits to total assets | 79.4999% | 4,674 |
| Equity capital to assets | 10.5304% | 3,605 |
| Core capital (leverage) ratio | 7.9337% | 5,762 |
| Tier 1 risk-based capital ratio | 9.3802% | 5,969 |
| Total risk-based capital ratio | 10.2991% | 5,996 |
| Memoranda: | ||
| Average total assets | $4,238,570,330 | 228 |
| Average earning assets | $3,913,188,670 | 220 |
| Average equity | $443,491,000 | 240 |
| Average total loans | $3,263,933,330 | 215 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 3,440 |
| Cost of funding earning assets | 0.3645% | 3,458 |
| Net interest margin | 3.5742% | 3,188 |
| Noninterest income to average assets | 0.4349% | 3,576 |
| Noninterest expense to average assets | 2.4571% | 4,203 |
| Loan and lease loss provision to assets | 0.1041% | 1,969 |
| Net operating income to assets | 0.7784% | 3,361 |
| Return on assets (ROA) | 0.8021% | 3,352 |
| Pretax return on assets | 1.2090% | 2,667 |
| Return on Equity (ROE) | 7.6921% | 3,088 |
| Retained earnings to average equity (ytd only) | 3.6923% | 3,645 |
| Net charge-offs to loans | 0.1763% | 1,089 |
| Credit loss provision to net charge-offs | 77.0057% | 1,857 |
| Earnings coverage of net charge-offs (x) | 9.4448% | 1,988 |
| Efficiency ratio | 65.3627% | 3,904 |
| Assets per employee ($millions) | 7.6722% | 649 |
| Cash dividends to net income (ytd only)* | 51.9990% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 5,039 |
| Loan loss allowance to noncurrent loans | 121.8853% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 3,296 |
| Noncurrent loans to loans | 0.7444% | 2,973 |
| Net loans and leases to total assets | 75.9062% | 1,409 |
| Net loans and leases to deposits | 96.0092% | 947 |
| Net loans and leases to core deposits | 100.7590% | 1,422 |
| Total domestic deposits to total assets | 79.0614% | 4,956 |
| Equity capital to assets | 10.3667% | 3,664 |
| Core capital (leverage) ratio | 7.8774% | 5,822 |
| Tier 1 risk-based capital ratio | 9.3890% | 6,016 |
| Total risk-based capital ratio | 10.3338% | 6,044 |
| Memoranda: | ||
| Average total assets | $4,128,907,000 | 230 |
| Average earning assets | $3,811,615,000 | 225 |
| Average equity | $430,520,000 | 240 |
| Average total loans | $3,166,977,500 | 215 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 4,123 |
| Cost of funding earning assets | 0.2922% | 4,342 |
| Net interest margin | 3.4818% | 3,590 |
| Noninterest income to average assets | 0.5166% | 3,220 |
| Noninterest expense to average assets | 2.3475% | 4,656 |
| Loan and lease loss provision to assets | 0.0526% | 3,259 |
| Net operating income to assets | 0.8682% | 3,032 |
| Return on assets (ROA) | 0.8721% | 3,092 |
| Pretax return on assets | 1.3085% | 2,246 |
| Return on Equity (ROE) | 8.0197% | 2,947 |
| Retained earnings to average equity (ytd only) | 2.1932% | 4,468 |
| Net charge-offs to loans | 0.0629% | 2,970 |
| Credit loss provision to net charge-offs | 110.8447% | 2,279 |
| Earnings coverage of net charge-offs (x) | 28.5411% | 1,503 |
| Efficiency ratio | 63.0927% | 4,427 |
| Assets per employee ($millions) | 7.0084% | 888 |
| Cash dividends to net income (ytd only)* | 72.6518% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 4,380 |
| Loan loss allowance to noncurrent loans | 134.0890% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 3,208 |
| Noncurrent loans to loans | 0.7762% | 2,845 |
| Net loans and leases to total assets | 76.0184% | 1,415 |
| Net loans and leases to deposits | 97.4730% | 867 |
| Net loans and leases to core deposits | 100.9877% | 1,442 |
| Total domestic deposits to total assets | 77.9892% | 5,168 |
| Equity capital to assets | 10.4955% | 3,372 |
| Core capital (leverage) ratio | 8.0753% | 5,790 |
| Tier 1 risk-based capital ratio | 9.7788% | 6,002 |
| Total risk-based capital ratio | 10.8673% | 6,018 |
| Memoranda: | ||
| Average total assets | $3,689,363,000 | 239 |
| Average earning assets | $3,376,150,800 | 234 |
| Average equity | $401,186,200 | 245 |
| Average total loans | $2,784,675,400 | 225 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 4,150 |
| Cost of funding earning assets | 0.2868% | 4,482 |
| Net interest margin | 3.4959% | 3,551 |
| Noninterest income to average assets | 0.5244% | 3,206 |
| Noninterest expense to average assets | 2.3694% | 4,593 |
| Loan and lease loss provision to assets | 0.0710% | 2,760 |
| Net operating income to assets | 0.8529% | 3,161 |
| Return on assets (ROA) | 0.8575% | 3,226 |
| Pretax return on assets | 1.2806% | 2,468 |
| Return on Equity (ROE) | 7.8141% | 3,183 |
| Retained earnings to average equity (ytd only) | 1.2471% | 5,224 |
| Net charge-offs to loans | 0.0794% | 2,420 |
| Credit loss provision to net charge-offs | 118.9951% | 2,001 |
| Earnings coverage of net charge-offs (x) | 22.5337% | 1,774 |
| Efficiency ratio | 63.4834% | 4,336 |
| Assets per employee ($millions) | 6.8956% | 908 |
| Cash dividends to net income (ytd only)* | 84.0397% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 4,306 |
| Loan loss allowance to noncurrent loans | 143.3580% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 3,470 |
| Noncurrent loans to loans | 0.7577% | 3,066 |
| Net loans and leases to total assets | 75.5140% | 1,459 |
| Net loans and leases to deposits | 96.2165% | 986 |
| Net loans and leases to core deposits | 99.4748% | 1,561 |
| Total domestic deposits to total assets | 78.4834% | 5,091 |
| Equity capital to assets | 10.7050% | 3,353 |
| Core capital (leverage) ratio | 8.0619% | 5,868 |
| Tier 1 risk-based capital ratio | 9.9369% | 6,061 |
| Total risk-based capital ratio | 11.0605% | 6,057 |
| Memoranda: | ||
| Average total assets | $3,646,293,250 | 244 |
| Average earning assets | $3,326,992,500 | 243 |
| Average equity | $400,157,750 | 249 |
| Average total loans | $2,739,236,000 | 228 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7727% | 4,165 |
| Cost of funding earning assets | 0.2775% | 4,638 |
| Net interest margin | 3.4952% | 3,520 |
| Noninterest income to average assets | 0.5345% | 3,143 |
| Noninterest expense to average assets | 2.2691% | 4,926 |
| Loan and lease loss provision to assets | 0.0891% | 2,328 |
| Net operating income to assets | 0.9193% | 2,788 |
| Return on assets (ROA) | 0.9199% | 2,911 |
| Pretax return on assets | 1.3673% | 2,119 |
| Return on Equity (ROE) | 8.3122% | 2,885 |
| Retained earnings to average equity (ytd only) | 4.7114% | 3,047 |
| Net charge-offs to loans | 0.1570% | 1,537 |
| Credit loss provision to net charge-offs | 75.9434% | 2,384 |
| Earnings coverage of net charge-offs (x) | 12.4123% | 2,205 |
| Efficiency ratio | 60.5988% | 4,894 |
| Assets per employee ($millions) | 6.5968% | 1,012 |
| Cash dividends to net income (ytd only)* | 43.3201% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 4,355 |
| Loan loss allowance to noncurrent loans | 158.1198% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 3,800 |
| Noncurrent loans to loans | 0.6919% | 3,416 |
| Net loans and leases to total assets | 73.8372% | 1,688 |
| Net loans and leases to deposits | 95.4993% | 1,005 |
| Net loans and leases to core deposits | 98.9464% | 1,572 |
| Total domestic deposits to total assets | 77.3170% | 5,408 |
| Equity capital to assets | 10.9349% | 2,955 |
| Core capital (leverage) ratio | 8.4273% | 5,599 |
| Tier 1 risk-based capital ratio | 10.2173% | 6,029 |
| Total risk-based capital ratio | 11.3161% | 6,017 |
| Memoranda: | ||
| Average total assets | $3,615,918,670 | 247 |
| Average earning assets | $3,300,199,000 | 247 |
| Average equity | $400,180,670 | 251 |
| Average total loans | $2,701,225,670 | 231 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7912% | 4,048 |
| Cost of funding earning assets | 0.2706% | 4,780 |
| Net interest margin | 3.5207% | 3,342 |
| Noninterest income to average assets | 0.5290% | 3,101 |
| Noninterest expense to average assets | 2.2351% | 5,063 |
| Loan and lease loss provision to assets | 0.0973% | 2,075 |
| Net operating income to assets | 0.9530% | 2,492 |
| Return on assets (ROA) | 0.9530% | 2,627 |
| Pretax return on assets | 1.4140% | 1,842 |
| Return on Equity (ROE) | 8.5585% | 2,668 |
| Retained earnings to average equity (ytd only) | 5.3057% | 2,883 |
| Net charge-offs to loans | 0.1570% | 1,322 |
| Credit loss provision to net charge-offs | 82.9361% | 1,804 |
| Earnings coverage of net charge-offs (x) | 12.8827% | 1,762 |
| Efficiency ratio | 59.3284% | 5,178 |
| Assets per employee ($millions) | 6.5599% | 1,042 |
| Cash dividends to net income (ytd only)* | 38.0075% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 4,357 |
| Loan loss allowance to noncurrent loans | 148.4645% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 3,708 |
| Noncurrent loans to loans | 0.7634% | 3,347 |
| Net loans and leases to total assets | 73.4840% | 1,569 |
| Net loans and leases to deposits | 93.2182% | 1,067 |
| Net loans and leases to core deposits | 96.4398% | 1,583 |
| Total domestic deposits to total assets | 78.8301% | 5,294 |
| Equity capital to assets | 11.1062% | 2,855 |
| Core capital (leverage) ratio | 8.4677% | 5,551 |
| Tier 1 risk-based capital ratio | 10.3739% | 6,054 |
| Total risk-based capital ratio | 11.5149% | 6,041 |
| Memoranda: | ||
| Average total assets | $3,576,780,000 | 248 |
| Average earning assets | $3,268,709,000 | 244 |
| Average equity | $398,292,000 | 249 |
| Average total loans | $2,672,906,000 | 229 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 4,126 |
| Cost of funding earning assets | 0.2505% | 5,317 |
| Net interest margin | 3.6460% | 3,230 |
| Noninterest income to average assets | 0.5144% | 3,391 |
| Noninterest expense to average assets | 2.2922% | 5,132 |
| Loan and lease loss provision to assets | 0.1706% | 1,524 |
| Net operating income to assets | 0.9294% | 2,732 |
| Return on assets (ROA) | 0.9294% | 2,821 |
| Pretax return on assets | 1.3833% | 1,942 |
| Return on Equity (ROE) | 8.2992% | 2,967 |
| Retained earnings to average equity (ytd only) | 3.9935% | 3,368 |
| Net charge-offs to loans | 0.1946% | 2,107 |
| Credit loss provision to net charge-offs | 117.2531% | 2,040 |
| Earnings coverage of net charge-offs (x) | 10.6815% | 2,592 |
| Efficiency ratio | 59.2495% | 5,314 |
| Assets per employee ($millions) | 6.2412% | 1,219 |
| Cash dividends to net income (ytd only)* | 51.8805% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 4,248 |
| Loan loss allowance to noncurrent loans | 147.9817% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 3,743 |
| Noncurrent loans to loans | 0.7812% | 3,353 |
| Net loans and leases to total assets | 74.2738% | 1,540 |
| Net loans and leases to deposits | 93.6119% | 1,118 |
| Net loans and leases to core deposits | 96.0666% | 1,719 |
| Total domestic deposits to total assets | 79.3423% | 5,177 |
| Equity capital to assets | 11.1656% | 2,736 |
| Core capital (leverage) ratio | 8.3874% | 5,677 |
| Tier 1 risk-based capital ratio | 10.8713% | 5,957 |
| Total risk-based capital ratio | 12.0953% | 5,899 |
| Memoranda: | ||
| Average total assets | $3,438,687,000 | 241 |
| Average earning assets | $3,142,147,000 | 240 |
| Average equity | $385,099,400 | 241 |
| Average total loans | $2,570,031,200 | 223 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 4,175 |
| Cost of funding earning assets | 0.2462% | 5,444 |
| Net interest margin | 3.6541% | 3,208 |
| Noninterest income to average assets | 0.5164% | 3,433 |
| Noninterest expense to average assets | 2.2227% | 5,306 |
| Loan and lease loss provision to assets | 0.1669% | 1,483 |
| Net operating income to assets | 0.9778% | 2,548 |
| Return on assets (ROA) | 0.9778% | 2,623 |
| Pretax return on assets | 1.4634% | 1,765 |
| Return on Equity (ROE) | 8.7247% | 2,822 |
| Retained earnings to average equity (ytd only) | 4.5360% | 3,416 |
| Net charge-offs to loans | 0.2118% | 1,771 |
| Credit loss provision to net charge-offs | 105.5802% | 2,107 |
| Earnings coverage of net charge-offs (x) | 10.3109% | 2,558 |
| Efficiency ratio | 57.3307% | 5,533 |
| Assets per employee ($millions) | 6.4455% | 1,050 |
| Cash dividends to net income (ytd only)* | 48.0097% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 4,503 |
| Loan loss allowance to noncurrent loans | 157.7022% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 4,133 |
| Noncurrent loans to loans | 0.7291% | 3,777 |
| Net loans and leases to total assets | 73.9444% | 1,535 |
| Net loans and leases to deposits | 92.6968% | 1,165 |
| Net loans and leases to core deposits | 95.3876% | 1,726 |
| Total domestic deposits to total assets | 79.7702% | 5,152 |
| Equity capital to assets | 11.1823% | 2,783 |
| Core capital (leverage) ratio | 8.4077% | 5,750 |
| Tier 1 risk-based capital ratio | 10.9570% | 6,010 |
| Total risk-based capital ratio | 12.1805% | 5,977 |
| Memoranda: | ||
| Average total assets | $3,415,230,250 | 240 |
| Average earning assets | $3,118,483,750 | 237 |
| Average equity | $382,768,000 | 242 |
| Average total loans | $2,548,934,500 | 222 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 4,116 |
| Cost of funding earning assets | 0.2380% | 5,604 |
| Net interest margin | 3.6677% | 3,078 |
| Noninterest income to average assets | 0.4972% | 3,499 |
| Noninterest expense to average assets | 2.2436% | 5,304 |
| Loan and lease loss provision to assets | 0.1819% | 1,348 |
| Net operating income to assets | 0.9484% | 2,556 |
| Return on assets (ROA) | 0.9485% | 2,654 |
| Pretax return on assets | 1.4217% | 1,813 |
| Return on Equity (ROE) | 8.4564% | 2,861 |
| Retained earnings to average equity (ytd only) | 4.3684% | 3,398 |
| Net charge-offs to loans | 0.2403% | 1,604 |
| Credit loss provision to net charge-offs | 101.4817% | 1,959 |
| Earnings coverage of net charge-offs (x) | 8.9467% | 2,426 |
| Efficiency ratio | 57.9491% | 5,559 |
| Assets per employee ($millions) | 6.1819% | 1,184 |
| Cash dividends to net income (ytd only)* | 48.3419% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 4,684 |
| Loan loss allowance to noncurrent loans | 151.8044% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 4,217 |
| Noncurrent loans to loans | 0.7541% | 3,816 |
| Net loans and leases to total assets | 74.2341% | 1,410 |
| Net loans and leases to deposits | 94.2634% | 942 |
| Net loans and leases to core deposits | 96.9368% | 1,525 |
| Total domestic deposits to total assets | 78.7517% | 5,507 |
| Equity capital to assets | 11.1410% | 2,742 |
| Core capital (leverage) ratio | 8.4732% | 5,657 |
| Tier 1 risk-based capital ratio | 10.7897% | 6,133 |
| Total risk-based capital ratio | 12.0042% | 6,102 |
| Memoranda: | ||
| Average total assets | $3,389,144,330 | 240 |
| Average earning assets | $3,095,383,670 | 236 |
| Average equity | $380,140,000 | 239 |
| Average total loans | $2,527,484,670 | 223 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 4,031 |
| Cost of funding earning assets | 0.2381% | 5,689 |
| Net interest margin | 3.6733% | 2,977 |
| Noninterest income to average assets | 0.4857% | 3,523 |
| Noninterest expense to average assets | 2.2994% | 5,193 |
| Loan and lease loss provision to assets | 0.1780% | 1,356 |
| Net operating income to assets | 0.9155% | 2,573 |
| Return on assets (ROA) | 0.9157% | 2,643 |
| Pretax return on assets | 1.3669% | 1,864 |
| Return on Equity (ROE) | 8.1354% | 2,871 |
| Retained earnings to average equity (ytd only) | 4.3337% | 3,528 |
| Net charge-offs to loans | 0.2879% | 1,201 |
| Credit loss provision to net charge-offs | 83.1844% | 1,867 |
| Earnings coverage of net charge-offs (x) | 7.2196% | 2,141 |
| Efficiency ratio | 59.4353% | 5,485 |
| Assets per employee ($millions) | 6.2959% | 1,118 |
| Cash dividends to net income (ytd only)* | 46.7302% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 4,736 |
| Loan loss allowance to noncurrent loans | 131.6447% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 4,061 |
| Noncurrent loans to loans | 0.8958% | 3,642 |
| Net loans and leases to total assets | 73.1698% | 1,402 |
| Net loans and leases to deposits | 90.1171% | 1,130 |
| Net loans and leases to core deposits | 92.7657% | 1,660 |
| Total domestic deposits to total assets | 81.1941% | 5,181 |
| Equity capital to assets | 11.2446% | 2,485 |
| Core capital (leverage) ratio | 8.4538% | 5,698 |
| Tier 1 risk-based capital ratio | 11.0438% | 6,137 |
| Total risk-based capital ratio | 12.2938% | 6,088 |
| Memoranda: | ||
| Average total assets | $3,346,596,000 | 242 |
| Average earning assets | $3,059,552,500 | 237 |
| Average equity | $376,677,000 | 241 |
| Average total loans | $2,486,759,000 | 225 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 4,174 |
| Cost of funding earning assets | 0.2915% | 5,664 |
| Net interest margin | 3.6835% | 3,121 |
| Noninterest income to average assets | 0.6021% | 3,085 |
| Noninterest expense to average assets | 2.4293% | 4,994 |
| Loan and lease loss provision to assets | 0.2979% | 1,137 |
| Net operating income to assets | 0.8329% | 3,119 |
| Return on assets (ROA) | 0.8432% | 3,152 |
| Pretax return on assets | 1.2632% | 2,303 |
| Return on Equity (ROE) | 7.6023% | 3,248 |
| Retained earnings to average equity (ytd only) | 1.5892% | 5,089 |
| Net charge-offs to loans | 0.3623% | 1,867 |
| Credit loss provision to net charge-offs | 110.5288% | 2,179 |
| Earnings coverage of net charge-offs (x) | 5.7351% | 3,229 |
| Efficiency ratio | 60.8828% | 5,366 |
| Assets per employee ($millions) | 6.0224% | 1,259 |
| Cash dividends to net income (ytd only)* | 79.0954% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 4,622 |
| Loan loss allowance to noncurrent loans | 157.5413% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 4,481 |
| Noncurrent loans to loans | 0.7663% | 4,052 |
| Net loans and leases to total assets | 73.6765% | 1,404 |
| Net loans and leases to deposits | 89.8180% | 1,252 |
| Net loans and leases to core deposits | 92.3590% | 1,759 |
| Total domestic deposits to total assets | 82.0286% | 4,863 |
| Equity capital to assets | 11.2667% | 2,371 |
| Core capital (leverage) ratio | 8.3773% | 5,807 |
| Tier 1 risk-based capital ratio | 11.0442% | 6,151 |
| Total risk-based capital ratio | 12.2946% | 6,096 |
| Memoranda: | ||
| Average total assets | $3,136,262,200 | 245 |
| Average earning assets | $2,871,815,600 | 238 |
| Average equity | $347,841,800 | 244 |
| Average total loans | $2,333,083,800 | 224 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 4,289 |
| Cost of funding earning assets | 0.3046% | 5,693 |
| Net interest margin | 3.6531% | 3,217 |
| Noninterest income to average assets | 0.5930% | 3,191 |
| Noninterest expense to average assets | 2.4148% | 4,978 |
| Loan and lease loss provision to assets | 0.3301% | 1,001 |
| Net operating income to assets | 0.7964% | 3,366 |
| Return on assets (ROA) | 0.8110% | 3,424 |
| Pretax return on assets | 1.2139% | 2,643 |
| Return on Equity (ROE) | 7.3438% | 3,464 |
| Retained earnings to average equity (ytd only) | 0.7043% | 5,694 |
| Net charge-offs to loans | 0.3962% | 1,616 |
| Credit loss provision to net charge-offs | 112.0773% | 2,105 |
| Earnings coverage of net charge-offs (x) | 5.1681% | 3,265 |
| Efficiency ratio | 61.1567% | 5,251 |
| Assets per employee ($millions) | 6.0428% | 1,214 |
| Cash dividends to net income (ytd only)* | 90.4094% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 4,763 |
| Loan loss allowance to noncurrent loans | 156.6930% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 4,520 |
| Noncurrent loans to loans | 0.7819% | 4,284 |
| Net loans and leases to total assets | 72.8392% | 1,477 |
| Net loans and leases to deposits | 88.3737% | 1,327 |
| Net loans and leases to core deposits | 91.2260% | 1,851 |
| Total domestic deposits to total assets | 82.4218% | 4,788 |
| Equity capital to assets | 11.3101% | 2,461 |
| Core capital (leverage) ratio | 8.3697% | 5,893 |
| Tier 1 risk-based capital ratio | 11.0322% | 6,266 |
| Total risk-based capital ratio | 12.2828% | 6,228 |
| Memoranda: | ||
| Average total assets | $3,092,247,750 | 243 |
| Average earning assets | $2,830,620,250 | 238 |
| Average equity | $341,504,750 | 246 |
| Average total loans | $2,298,799,500 | 222 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 4,455 |
| Cost of funding earning assets | 0.3158% | 5,706 |
| Net interest margin | 3.5896% | 3,402 |
| Noninterest income to average assets | 0.6029% | 3,171 |
| Noninterest expense to average assets | 2.3890% | 5,086 |
| Loan and lease loss provision to assets | 0.3819% | 837 |
| Net operating income to assets | 0.7485% | 3,579 |
| Return on assets (ROA) | 0.7709% | 3,618 |
| Pretax return on assets | 1.1573% | 2,854 |
| Return on Equity (ROE) | 7.0421% | 3,575 |
| Retained earnings to average equity (ytd only) | -1.2259% | 6,080 |
| Net charge-offs to loans | 0.4506% | 1,456 |
| Credit loss provision to net charge-offs | 113.6757% | 1,942 |
| Earnings coverage of net charge-offs (x) | 4.4819% | 3,116 |
| Efficiency ratio | 61.2690% | 5,284 |
| Assets per employee ($millions) | 6.4252% | 939 |
| Cash dividends to net income (ytd only)* | 117.4085% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 4,937 |
| Loan loss allowance to noncurrent loans | 138.1166% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 4,561 |
| Noncurrent loans to loans | 0.8759% | 4,169 |
| Net loans and leases to total assets | 74.2704% | 1,209 |
| Net loans and leases to deposits | 90.3461% | 1,110 |
| Net loans and leases to core deposits | 93.7936% | 1,535 |
| Total domestic deposits to total assets | 82.2066% | 4,978 |
| Equity capital to assets | 11.2852% | 2,486 |
| Core capital (leverage) ratio | 8.9702% | 5,042 |
| Tier 1 risk-based capital ratio | 10.9562% | 6,352 |
| Total risk-based capital ratio | 12.2053% | 6,325 |
| Memoranda: | ||
| Average total assets | $3,025,223,000 | 246 |
| Average earning assets | $2,774,344,000 | 242 |
| Average equity | $331,180,000 | 255 |
| Average total loans | $2,255,537,670 | 224 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 4,223 |
| Cost of funding earning assets | 0.3385% | 5,651 |
| Net interest margin | 3.6356% | 3,121 |
| Noninterest income to average assets | 0.6236% | 3,011 |
| Noninterest expense to average assets | 2.4321% | 5,010 |
| Loan and lease loss provision to assets | 0.4377% | 666 |
| Net operating income to assets | 0.7370% | 3,498 |
| Return on assets (ROA) | 0.7835% | 3,390 |
| Pretax return on assets | 1.1638% | 2,707 |
| Return on Equity (ROE) | 7.2827% | 3,334 |
| Retained earnings to average equity (ytd only) | 3.4803% | 4,165 |
| Net charge-offs to loans | 0.4616% | 1,292 |
| Credit loss provision to net charge-offs | 127.7800% | 1,533 |
| Earnings coverage of net charge-offs (x) | 4.4729% | 2,547 |
| Efficiency ratio | 61.3528% | 5,400 |
| Assets per employee ($millions) | 5.8538% | 1,368 |
| Cash dividends to net income (ytd only)* | 52.2113% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 4,402 |
| Loan loss allowance to noncurrent loans | 110.5542% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 4,045 |
| Noncurrent loans to loans | 1.2344% | 3,712 |
| Net loans and leases to total assets | 73.7429% | 1,110 |
| Net loans and leases to deposits | 89.2257% | 1,027 |
| Net loans and leases to core deposits | 92.3004% | 1,476 |
| Total domestic deposits to total assets | 82.6476% | 4,971 |
| Equity capital to assets | 10.8108% | 3,187 |
| Core capital (leverage) ratio | 8.0985% | 6,045 |
| Tier 1 risk-based capital ratio | 10.6970% | 6,521 |
| Total risk-based capital ratio | 11.9494% | 6,484 |
| Memoranda: | ||
| Average total assets | $2,909,057,000 | 260 |
| Average earning assets | $2,672,988,500 | 253 |
| Average equity | $312,959,500 | 269 |
| Average total loans | $2,158,793,500 | 238 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 4,336 |
| Cost of funding earning assets | 0.4533% | 5,560 |
| Net interest margin | 3.8136% | 3,169 |
| Noninterest income to average assets | 0.6131% | 3,214 |
| Noninterest expense to average assets | 2.3090% | 5,671 |
| Loan and lease loss provision to assets | 0.5219% | 1,119 |
| Net operating income to assets | 0.8526% | 3,030 |
| Return on assets (ROA) | 0.8776% | 3,163 |
| Pretax return on assets | 1.2889% | 2,456 |
| Return on Equity (ROE) | 8.1081% | 3,041 |
| Retained earnings to average equity (ytd only) | -2.0161% | 6,159 |
| Net charge-offs to loans | 0.6909% | 1,710 |
| Credit loss provision to net charge-offs | 103.5784% | 2,894 |
| Earnings coverage of net charge-offs (x) | 3.5211% | 3,695 |
| Efficiency ratio | 56.5503% | 5,999 |
| Assets per employee ($millions) | 5.5836% | 1,606 |
| Cash dividends to net income (ytd only)* | 124.8654% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,415 |
| Loan loss allowance to noncurrent loans | 98.3512% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 3,986 |
| Noncurrent loans to loans | 1.3702% | 3,545 |
| Net loans and leases to total assets | 72.6651% | 1,396 |
| Net loans and leases to deposits | 88.9274% | 1,174 |
| Net loans and leases to core deposits | 91.5905% | 1,667 |
| Total domestic deposits to total assets | 81.7128% | 5,190 |
| Equity capital to assets | 10.7056% | 3,276 |
| Core capital (leverage) ratio | 7.9812% | 6,214 |
| Tier 1 risk-based capital ratio | 10.6625% | 6,492 |
| Total risk-based capital ratio | 11.9147% | 6,450 |
| Memoranda: | ||
| Average total assets | $2,856,413,200 | 255 |
| Average earning assets | $2,599,007,400 | 253 |
| Average equity | $309,159,800 | 267 |
| Average total loans | $2,083,089,400 | 235 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 4,355 |
| Cost of funding earning assets | 0.4718% | 5,626 |
| Net interest margin | 3.8514% | 3,112 |
| Noninterest income to average assets | 0.6145% | 3,192 |
| Noninterest expense to average assets | 2.2723% | 5,765 |
| Loan and lease loss provision to assets | 0.5528% | 1,043 |
| Net operating income to assets | 0.8750% | 3,108 |
| Return on assets (ROA) | 0.8837% | 3,299 |
| Pretax return on assets | 1.3004% | 2,611 |
| Return on Equity (ROE) | 8.1422% | 3,215 |
| Retained earnings to average equity (ytd only) | -4.0153% | 6,555 |
| Net charge-offs to loans | 0.7437% | 1,490 |
| Credit loss provision to net charge-offs | 102.1943% | 2,878 |
| Earnings coverage of net charge-offs (x) | 3.4022% | 3,661 |
| Efficiency ratio | 55.2510% | 6,132 |
| Assets per employee ($millions) | 5.5415% | 1,600 |
| Cash dividends to net income (ytd only)* | 149.3151% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,427 |
| Loan loss allowance to noncurrent loans | 94.9179% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 4,129 |
| Noncurrent loans to loans | 1.4628% | 3,602 |
| Net loans and leases to total assets | 71.3457% | 1,671 |
| Net loans and leases to deposits | 85.7078% | 1,637 |
| Net loans and leases to core deposits | 88.7763% | 2,126 |
| Total domestic deposits to total assets | 83.2429% | 4,543 |
| Equity capital to assets | 10.8577% | 3,437 |
| Core capital (leverage) ratio | 8.0232% | 6,309 |
| Tier 1 risk-based capital ratio | 10.8389% | 6,548 |
| Total risk-based capital ratio | 12.0917% | 6,526 |
| Memoranda: | ||
| Average total assets | $2,841,861,750 | 255 |
| Average earning assets | $2,581,234,750 | 255 |
| Average equity | $308,443,000 | 268 |
| Average total loans | $2,067,151,000 | 238 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 4,336 |
| Cost of funding earning assets | 0.4874% | 5,703 |
| Net interest margin | 3.8752% | 3,016 |
| Noninterest income to average assets | 0.5981% | 3,267 |
| Noninterest expense to average assets | 2.2482% | 5,877 |
| Loan and lease loss provision to assets | 0.5943% | 1,007 |
| Net operating income to assets | 0.8612% | 3,080 |
| Return on assets (ROA) | 0.8743% | 3,284 |
| Pretax return on assets | 1.2937% | 2,581 |
| Return on Equity (ROE) | 8.0560% | 3,236 |
| Retained earnings to average equity (ytd only) | -8.2313% | 6,778 |
| Net charge-offs to loans | 0.8033% | 1,368 |
| Credit loss provision to net charge-offs | 101.5290% | 2,678 |
| Earnings coverage of net charge-offs (x) | 3.1925% | 3,463 |
| Efficiency ratio | 54.6074% | 6,263 |
| Assets per employee ($millions) | 5.4130% | 1,694 |
| Cash dividends to net income (ytd only)* | 202.1765% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 4,587 |
| Loan loss allowance to noncurrent loans | 80.1545% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.2891% | 3,847 |
| Noncurrent loans to loans | 1.7048% | 3,338 |
| Net loans and leases to total assets | 72.3594% | 1,501 |
| Net loans and leases to deposits | 90.1282% | 1,135 |
| Net loans and leases to core deposits | 93.2811% | 1,663 |
| Total domestic deposits to total assets | 80.2849% | 5,667 |
| Equity capital to assets | 10.7215% | 3,431 |
| Core capital (leverage) ratio | 7.9102% | 6,359 |
| Tier 1 risk-based capital ratio | 10.5793% | 6,673 |
| Total risk-based capital ratio | 11.8318% | 6,654 |
| Memoranda: | ||
| Average total assets | $2,837,860,330 | 259 |
| Average earning assets | $2,576,918,670 | 254 |
| Average equity | $307,969,330 | 267 |
| Average total loans | $2,067,941,670 | 237 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 4,260 |
| Cost of funding earning assets | 0.5019% | 5,809 |
| Net interest margin | 3.9147% | 2,862 |
| Noninterest income to average assets | 0.5635% | 3,472 |
| Noninterest expense to average assets | 2.2405% | 5,936 |
| Loan and lease loss provision to assets | 0.6432% | 853 |
| Net operating income to assets | 0.8391% | 3,203 |
| Return on assets (ROA) | 0.8423% | 3,431 |
| Pretax return on assets | 1.2238% | 2,822 |
| Return on Equity (ROE) | 7.7150% | 3,406 |
| Retained earnings to average equity (ytd only) | -20.7086% | 7,055 |
| Net charge-offs to loans | 0.8305% | 1,238 |
| Credit loss provision to net charge-offs | 106.6479% | 2,178 |
| Earnings coverage of net charge-offs (x) | 3.0878% | 2,969 |
| Efficiency ratio | 54.6077% | 6,281 |
| Assets per employee ($millions) | 5.5055% | 1,688 |
| Cash dividends to net income (ytd only)* | 368.4211% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 4,677 |
| Loan loss allowance to noncurrent loans | 64.6950% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.6003% | 3,447 |
| Noncurrent loans to loans | 2.1395% | 2,980 |
| Net loans and leases to total assets | 71.8380% | 1,432 |
| Net loans and leases to deposits | 89.0516% | 1,055 |
| Net loans and leases to core deposits | 91.8827% | 1,663 |
| Total domestic deposits to total assets | 80.6700% | 5,685 |
| Equity capital to assets | 10.5847% | 3,394 |
| Core capital (leverage) ratio | 7.8249% | 6,393 |
| Tier 1 risk-based capital ratio | 10.4261% | 6,760 |
| Total risk-based capital ratio | 11.6787% | 6,752 |
| Memoranda: | ||
| Average total assets | $2,833,173,000 | 257 |
| Average earning assets | $2,561,497,500 | 253 |
| Average equity | $309,321,500 | 264 |
| Average total loans | $2,057,520,500 | 237 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6640% | 4,402 |
| Cost of funding earning assets | 0.6223% | 5,978 |
| Net interest margin | 4.0417% | 2,674 |
| Noninterest income to average assets | 0.6061% | 3,130 |
| Noninterest expense to average assets | 2.4059% | 5,757 |
| Loan and lease loss provision to assets | 0.6806% | 1,504 |
| Net operating income to assets | 0.8279% | 2,919 |
| Return on assets (ROA) | 0.8586% | 2,930 |
| Pretax return on assets | 1.2446% | 2,315 |
| Return on Equity (ROE) | 7.5875% | 3,107 |
| Retained earnings to average equity (ytd only) | -2.5904% | 6,223 |
| Net charge-offs to loans | 0.8856% | 1,968 |
| Credit loss provision to net charge-offs | 106.1192% | 3,209 |
| Earnings coverage of net charge-offs (x) | 2.9325% | 3,738 |
| Efficiency ratio | 55.6398% | 6,360 |
| Assets per employee ($millions) | 5.3510% | 1,775 |
| Cash dividends to net income (ytd only)* | 134.1407% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 4,499 |
| Loan loss allowance to noncurrent loans | 56.3955% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.8203% | 3,228 |
| Noncurrent loans to loans | 2.4680% | 2,669 |
| Net loans and leases to total assets | 71.3889% | 1,754 |
| Net loans and leases to deposits | 89.0647% | 1,260 |
| Net loans and leases to core deposits | 92.4642% | 1,841 |
| Total domestic deposits to total assets | 80.1541% | 5,702 |
| Equity capital to assets | 11.2541% | 2,737 |
| Core capital (leverage) ratio | 8.3986% | 5,715 |
| Tier 1 risk-based capital ratio | 11.3322% | 6,271 |
| Total risk-based capital ratio | 12.5848% | 6,254 |
| Memoranda: | ||
| Average total assets | $2,764,815,000 | 262 |
| Average earning assets | $2,517,700,600 | 255 |
| Average equity | $312,883,800 | 257 |
| Average total loans | $2,002,252,400 | 237 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7159% | 4,379 |
| Cost of funding earning assets | 0.6431% | 6,068 |
| Net interest margin | 4.0729% | 2,583 |
| Noninterest income to average assets | 0.6159% | 3,075 |
| Noninterest expense to average assets | 2.4488% | 5,630 |
| Loan and lease loss provision to assets | 0.6975% | 1,388 |
| Net operating income to assets | 0.8154% | 3,079 |
| Return on assets (ROA) | 0.8566% | 3,067 |
| Pretax return on assets | 1.2417% | 2,483 |
| Return on Equity (ROE) | 7.5585% | 3,245 |
| Retained earnings to average equity (ytd only) | -4.7582% | 6,579 |
| Net charge-offs to loans | 0.9167% | 1,749 |
| Credit loss provision to net charge-offs | 105.0591% | 3,168 |
| Earnings coverage of net charge-offs (x) | 2.8311% | 3,725 |
| Efficiency ratio | 55.9300% | 6,289 |
| Assets per employee ($millions) | 5.2317% | 1,888 |
| Cash dividends to net income (ytd only)* | 162.9513% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 4,530 |
| Loan loss allowance to noncurrent loans | 48.5659% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 2.1490% | 2,977 |
| Noncurrent loans to loans | 2.8956% | 2,411 |
| Net loans and leases to total assets | 71.8062% | 1,755 |
| Net loans and leases to deposits | 87.5916% | 1,476 |
| Net loans and leases to core deposits | 91.7246% | 2,032 |
| Total domestic deposits to total assets | 81.9784% | 5,100 |
| Equity capital to assets | 11.4472% | 2,734 |
| Core capital (leverage) ratio | 8.4352% | 5,797 |
| Tier 1 risk-based capital ratio | 11.4180% | 6,292 |
| Total risk-based capital ratio | 12.6706% | 6,283 |
| Memoranda: | ||
| Average total assets | $2,751,022,000 | 262 |
| Average earning assets | $2,507,550,000 | 255 |
| Average equity | $311,763,500 | 258 |
| Average total loans | $1,992,421,750 | 237 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7292% | 4,403 |
| Cost of funding earning assets | 0.6579% | 6,185 |
| Net interest margin | 4.0714% | 2,526 |
| Noninterest income to average assets | 0.6118% | 3,054 |
| Noninterest expense to average assets | 2.3857% | 5,885 |
| Loan and lease loss provision to assets | 0.7499% | 1,243 |
| Net operating income to assets | 0.8193% | 2,985 |
| Return on assets (ROA) | 0.8417% | 2,993 |
| Pretax return on assets | 1.2205% | 2,403 |
| Return on Equity (ROE) | 7.4518% | 3,215 |
| Retained earnings to average equity (ytd only) | -9.2856% | 6,845 |
| Net charge-offs to loans | 0.9448% | 1,653 |
| Credit loss provision to net charge-offs | 109.7854% | 2,798 |
| Earnings coverage of net charge-offs (x) | 2.8373% | 3,425 |
| Efficiency ratio | 54.2867% | 6,596 |
| Assets per employee ($millions) | 5.2604% | 1,812 |
| Cash dividends to net income (ytd only)* | 224.6077% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 4,468 |
| Loan loss allowance to noncurrent loans | 48.8383% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 2.1496% | 3,051 |
| Noncurrent loans to loans | 2.9145% | 2,504 |
| Net loans and leases to total assets | 71.5292% | 1,877 |
| Net loans and leases to deposits | 89.2450% | 1,349 |
| Net loans and leases to core deposits | 93.3190% | 1,983 |
| Total domestic deposits to total assets | 80.1492% | 5,786 |
| Equity capital to assets | 11.2961% | 2,686 |
| Core capital (leverage) ratio | 8.3012% | 5,869 |
| Tier 1 risk-based capital ratio | 11.2412% | 6,360 |
| Total risk-based capital ratio | 12.4937% | 6,353 |
| Memoranda: | ||
| Average total assets | $2,755,967,330 | 263 |
| Average earning assets | $2,512,628,000 | 257 |
| Average equity | $311,279,330 | 257 |
| Average total loans | $1,992,304,000 | 239 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 4,347 |
| Cost of funding earning assets | 0.6656% | 6,311 |
| Net interest margin | 4.0709% | 2,386 |
| Noninterest income to average assets | 0.6070% | 3,115 |
| Noninterest expense to average assets | 2.3985% | 5,885 |
| Loan and lease loss provision to assets | 0.7124% | 1,190 |
| Net operating income to assets | 0.8339% | 2,863 |
| Return on assets (ROA) | 0.8339% | 2,922 |
| Pretax return on assets | 1.2096% | 2,341 |
| Return on Equity (ROE) | 7.3836% | 3,206 |
| Retained earnings to average equity (ytd only) | -22.2238% | 7,197 |
| Net charge-offs to loans | 0.8148% | 1,603 |
| Credit loss provision to net charge-offs | 121.1756% | 2,255 |
| Earnings coverage of net charge-offs (x) | 3.2691% | 2,797 |
| Efficiency ratio | 54.6270% | 6,635 |
| Assets per employee ($millions) | 5.4052% | 1,663 |
| Cash dividends to net income (ytd only)* | 400.9884% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 4,543 |
| Loan loss allowance to noncurrent loans | 55.0603% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.9062% | 3,431 |
| Noncurrent loans to loans | 2.5893% | 2,908 |
| Net loans and leases to total assets | 70.9887% | 1,930 |
| Net loans and leases to deposits | 86.6968% | 1,621 |
| Net loans and leases to core deposits | 90.5102% | 2,295 |
| Total domestic deposits to total assets | 81.8816% | 5,356 |
| Equity capital to assets | 11.0776% | 2,616 |
| Core capital (leverage) ratio | 8.0663% | 6,168 |
| Tier 1 risk-based capital ratio | 11.1110% | 6,426 |
| Total risk-based capital ratio | 12.3634% | 6,398 |
| Memoranda: | ||
| Average total assets | $2,766,259,000 | 262 |
| Average earning assets | $2,523,350,500 | 256 |
| Average equity | $312,422,500 | 251 |
| Average total loans | $1,996,031,500 | 239 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 4,363 |
| Cost of funding earning assets | 0.8545% | 6,354 |
| Net interest margin | 4.1868% | 2,238 |
| Noninterest income to average assets | 0.6374% | 3,232 |
| Noninterest expense to average assets | 2.5110% | 5,749 |
| Loan and lease loss provision to assets | 0.7016% | 2,334 |
| Net operating income to assets | 0.7996% | 2,804 |
| Return on assets (ROA) | 0.8414% | 2,761 |
| Pretax return on assets | 1.2839% | 1,972 |
| Return on Equity (ROE) | 7.0323% | 3,108 |
| Retained earnings to average equity (ytd only) | -2.1929% | 5,996 |
| Net charge-offs to loans | 0.8737% | 2,446 |
| Credit loss provision to net charge-offs | 110.0954% | 4,000 |
| Earnings coverage of net charge-offs (x) | 3.0164% | 3,560 |
| Efficiency ratio | 55.7701% | 6,623 |
| Assets per employee ($millions) | 5.2678% | 1,786 |
| Cash dividends to net income (ytd only)* | 131.1841% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 4,712 |
| Loan loss allowance to noncurrent loans | 61.8530% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 3,880 |
| Noncurrent loans to loans | 2.1933% | 3,320 |
| Net loans and leases to total assets | 71.3144% | 2,232 |
| Net loans and leases to deposits | 90.0898% | 1,510 |
| Net loans and leases to core deposits | 93.8776% | 2,271 |
| Total domestic deposits to total assets | 79.1593% | 6,044 |
| Equity capital to assets | 11.5073% | 2,255 |
| Core capital (leverage) ratio | 8.7095% | 5,002 |
| Tier 1 risk-based capital ratio | 11.7475% | 5,692 |
| Total risk-based capital ratio | 12.9992% | 5,694 |
| Memoranda: | ||
| Average total assets | $2,748,325,800 | 261 |
| Average earning assets | $2,491,603,800 | 257 |
| Average equity | $328,826,800 | 241 |
| Average total loans | $2,004,421,400 | 242 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 4,338 |
| Cost of funding earning assets | 0.8987% | 6,397 |
| Net interest margin | 4.1976% | 2,225 |
| Noninterest income to average assets | 0.6312% | 3,242 |
| Noninterest expense to average assets | 2.5213% | 5,632 |
| Loan and lease loss provision to assets | 0.7174% | 2,127 |
| Net operating income to assets | 0.7769% | 3,103 |
| Return on assets (ROA) | 0.8301% | 3,016 |
| Pretax return on assets | 1.2700% | 2,258 |
| Return on Equity (ROE) | 6.8715% | 3,411 |
| Retained earnings to average equity (ytd only) | -4.3271% | 6,497 |
| Net charge-offs to loans | 0.8713% | 2,268 |
| Credit loss provision to net charge-offs | 112.6510% | 3,741 |
| Earnings coverage of net charge-offs (x) | 2.9921% | 3,634 |
| Efficiency ratio | 56.0787% | 6,543 |
| Assets per employee ($millions) | 5.1871% | 1,951 |
| Cash dividends to net income (ytd only)* | 162.9721% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 4,625 |
| Loan loss allowance to noncurrent loans | 62.2325% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.6063% | 4,041 |
| Noncurrent loans to loans | 2.2013% | 3,444 |
| Net loans and leases to total assets | 71.0125% | 2,487 |
| Net loans and leases to deposits | 87.4951% | 2,078 |
| Net loans and leases to core deposits | 91.6407% | 2,855 |
| Total domestic deposits to total assets | 81.1617% | 5,315 |
| Equity capital to assets | 11.6369% | 2,424 |
| Core capital (leverage) ratio | 8.6585% | 5,260 |
| Tier 1 risk-based capital ratio | 11.7824% | 5,655 |
| Total risk-based capital ratio | 13.0325% | 5,636 |
| Memoranda: | ||
| Average total assets | $2,738,743,750 | 259 |
| Average earning assets | $2,476,523,250 | 256 |
| Average equity | $330,866,250 | 238 |
| Average total loans | $2,001,872,500 | 242 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1424% | 4,232 |
| Cost of funding earning assets | 0.9338% | 6,450 |
| Net interest margin | 4.2087% | 2,132 |
| Noninterest income to average assets | 0.6290% | 3,138 |
| Noninterest expense to average assets | 2.4290% | 5,981 |
| Loan and lease loss provision to assets | 0.7233% | 2,015 |
| Net operating income to assets | 0.8255% | 2,843 |
| Return on assets (ROA) | 0.8255% | 2,997 |
| Pretax return on assets | 1.2729% | 2,175 |
| Return on Equity (ROE) | 6.7498% | 3,420 |
| Retained earnings to average equity (ytd only) | 3.8885% | 3,614 |
| Net charge-offs to loans | 0.7689% | 2,323 |
| Credit loss provision to net charge-offs | 128.0622% | 3,142 |
| Earnings coverage of net charge-offs (x) | 3.5340% | 3,286 |
| Efficiency ratio | 54.0129% | 6,882 |
| Assets per employee ($millions) | 5.2428% | 1,875 |
| Cash dividends to net income (ytd only)* | 42.3909% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 4,473 |
| Loan loss allowance to noncurrent loans | 66.6250% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.5428% | 4,147 |
| Noncurrent loans to loans | 2.0856% | 3,606 |
| Net loans and leases to total assets | 72.1777% | 2,351 |
| Net loans and leases to deposits | 90.4641% | 1,776 |
| Net loans and leases to core deposits | 95.0164% | 2,589 |
| Total domestic deposits to total assets | 79.7860% | 5,794 |
| Equity capital to assets | 12.4336% | 1,838 |
| Core capital (leverage) ratio | 9.3143% | 4,087 |
| Tier 1 risk-based capital ratio | 12.6350% | 4,747 |
| Total risk-based capital ratio | 13.8870% | 4,710 |
| Memoranda: | ||
| Average total assets | $2,731,805,330 | 259 |
| Average earning assets | $2,464,042,330 | 256 |
| Average equity | $334,112,330 | 233 |
| Average total loans | $2,006,879,670 | 243 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1660% | 4,219 |
| Cost of funding earning assets | 0.9786% | 6,473 |
| Net interest margin | 4.1874% | 2,096 |
| Noninterest income to average assets | 0.5956% | 3,302 |
| Noninterest expense to average assets | 2.4046% | 6,066 |
| Loan and lease loss provision to assets | 0.7137% | 1,787 |
| Net operating income to assets | 0.8095% | 2,919 |
| Return on assets (ROA) | 0.8096% | 3,015 |
| Pretax return on assets | 1.2448% | 2,221 |
| Return on Equity (ROE) | 6.6751% | 3,529 |
| Retained earnings to average equity (ytd only) | 4.2631% | 3,591 |
| Net charge-offs to loans | 0.7167% | 2,069 |
| Credit loss provision to net charge-offs | 135.3023% | 2,611 |
| Earnings coverage of net charge-offs (x) | 3.7127% | 2,818 |
| Efficiency ratio | 54.2260% | 6,946 |
| Assets per employee ($millions) | 5.2302% | 1,938 |
| Cash dividends to net income (ytd only)* | 36.1337% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,752 |
| Loan loss allowance to noncurrent loans | 60.2001% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.6333% | 4,038 |
| Noncurrent loans to loans | 2.2199% | 3,499 |
| Net loans and leases to total assets | 71.8809% | 2,479 |
| Net loans and leases to deposits | 89.7189% | 1,942 |
| Net loans and leases to core deposits | 94.5944% | 2,756 |
| Total domestic deposits to total assets | 80.1179% | 5,743 |
| Equity capital to assets | 12.1156% | 1,975 |
| Core capital (leverage) ratio | 9.2561% | 4,125 |
| Tier 1 risk-based capital ratio | 12.3382% | 4,875 |
| Total risk-based capital ratio | 13.5892% | 4,830 |
| Memoranda: | ||
| Average total assets | $2,734,572,500 | 268 |
| Average earning assets | $2,460,240,500 | 267 |
| Average equity | $331,682,000 | 239 |
| Average total loans | $2,012,575,500 | 253 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4426% | 4,478 |
| Cost of funding earning assets | 1.4481% | 5,731 |
| Net interest margin | 3.9946% | 2,886 |
| Noninterest income to average assets | 0.5863% | 3,741 |
| Noninterest expense to average assets | 2.6902% | 5,436 |
| Loan and lease loss provision to assets | 1.9145% | 1,160 |
| Net operating income to assets | -0.1255% | 5,717 |
| Return on assets (ROA) | -0.0343% | 5,586 |
| Pretax return on assets | -0.2338% | 5,740 |
| Return on Equity (ROE) | -0.2899% | 5,585 |
| Retained earnings to average equity (ytd only) | -0.9690% | 5,249 |
| Net charge-offs to loans | 2.5462% | 900 |
| Credit loss provision to net charge-offs | 100.9979% | 5,465 |
| Earnings coverage of net charge-offs (x) | 0.8114% | 5,297 |
| Efficiency ratio | 62.6926% | 6,022 |
| Assets per employee ($millions) | 5.0897% | 2,099 |
| Cash dividends to net income (ytd only)* | -234.3074% | 7,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 4,953 |
| Loan loss allowance to noncurrent loans | 63.6386% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 4,138 |
| Noncurrent loans to loans | 1.9915% | 3,659 |
| Net loans and leases to total assets | 73.4100% | 2,402 |
| Net loans and leases to deposits | 92.0685% | 1,890 |
| Net loans and leases to core deposits | 100.5385% | 3,944 |
| Total domestic deposits to total assets | 79.7341% | 5,758 |
| Equity capital to assets | 12.1431% | 1,944 |
| Core capital (leverage) ratio | 8.9904% | 4,439 |
| Tier 1 risk-based capital ratio | 12.0656% | 4,889 |
| Total risk-based capital ratio | 13.3161% | 4,850 |
| Memoranda: | ||
| Average total assets | $2,696,025,200 | 276 |
| Average earning assets | $2,458,046,000 | 272 |
| Average equity | $318,778,800 | 240 |
| Average total loans | $2,007,093,200 | 261 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 4,716 |
| Cost of funding earning assets | 1.5328% | 5,701 |
| Net interest margin | 3.9107% | 3,198 |
| Noninterest income to average assets | 0.5684% | 3,937 |
| Noninterest expense to average assets | 2.6036% | 5,701 |
| Loan and lease loss provision to assets | 2.2377% | 769 |
| Net operating income to assets | -0.2412% | 6,127 |
| Return on assets (ROA) | -0.2131% | 6,096 |
| Pretax return on assets | -0.6611% | 6,455 |
| Return on Equity (ROE) | -1.8149% | 6,072 |
| Retained earnings to average equity (ytd only) | -2.7280% | 5,883 |
| Net charge-offs to loans | 3.0649% | 529 |
| Credit loss provision to net charge-offs | 98.0382% | 5,215 |
| Earnings coverage of net charge-offs (x) | 0.6715% | 5,360 |
| Efficiency ratio | 61.9914% | 6,102 |
| Assets per employee ($millions) | 5.1370% | 1,982 |
| Cash dividends to net income (ytd only)* | -50.3137% | 7,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 4,961 |
| Loan loss allowance to noncurrent loans | 54.3444% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.6109% | 3,933 |
| Noncurrent loans to loans | 2.2579% | 3,316 |
| Net loans and leases to total assets | 70.4667% | 3,398 |
| Net loans and leases to deposits | 90.2859% | 2,519 |
| Net loans and leases to core deposits | 100.0027% | 4,372 |
| Total domestic deposits to total assets | 78.0484% | 6,076 |
| Equity capital to assets | 11.8821% | 2,303 |
| Core capital (leverage) ratio | 8.9044% | 4,805 |
| Tier 1 risk-based capital ratio | 12.0743% | 4,901 |
| Total risk-based capital ratio | 13.3219% | 4,846 |
| Memoranda: | ||
| Average total assets | $2,691,829,500 | 285 |
| Average earning assets | $2,455,876,000 | 283 |
| Average equity | $316,119,000 | 248 |
| Average total loans | $2,004,607,750 | 270 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5249% | 4,479 |
| Cost of funding earning assets | 1.5981% | 5,755 |
| Net interest margin | 3.9268% | 2,991 |
| Noninterest income to average assets | 0.6402% | 3,419 |
| Noninterest expense to average assets | 2.7260% | 5,271 |
| Loan and lease loss provision to assets | 3.0311% | 498 |
| Net operating income to assets | -0.5700% | 6,621 |
| Return on assets (ROA) | -0.5276% | 6,583 |
| Pretax return on assets | -1.4678% | 7,075 |
| Return on Equity (ROE) | -4.5107% | 6,550 |
| Retained earnings to average equity (ytd only) | -5.8975% | 6,434 |
| Net charge-offs to loans | 4.0790% | 343 |
| Credit loss provision to net charge-offs | 98.3614% | 4,664 |
| Earnings coverage of net charge-offs (x) | 0.4858% | 5,217 |
| Efficiency ratio | 63.6088% | 5,982 |
| Assets per employee ($millions) | 4.9923% | 2,085 |
| Cash dividends to net income (ytd only)* | -30.7441% | 7,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 4,751 |
| Loan loss allowance to noncurrent loans | 74.4852% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.2096% | 4,514 |
| Noncurrent loans to loans | 1.6497% | 4,024 |
| Net loans and leases to total assets | 72.4247% | 3,109 |
| Net loans and leases to deposits | 93.2863% | 2,215 |
| Net loans and leases to core deposits | 106.6647% | 3,757 |
| Total domestic deposits to total assets | 77.6370% | 6,169 |
| Equity capital to assets | 11.9080% | 2,256 |
| Core capital (leverage) ratio | 8.9798% | 4,666 |
| Tier 1 risk-based capital ratio | 11.8986% | 5,000 |
| Total risk-based capital ratio | 13.1487% | 4,919 |
| Memoranda: | ||
| Average total assets | $2,669,578,670 | 293 |
| Average earning assets | $2,435,727,670 | 294 |
| Average equity | $312,232,670 | 253 |
| Average total loans | $2,016,799,670 | 276 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6399% | 4,107 |
| Cost of funding earning assets | 1.6560% | 5,791 |
| Net interest margin | 3.9839% | 2,713 |
| Noninterest income to average assets | 0.6113% | 3,471 |
| Noninterest expense to average assets | 2.4910% | 5,869 |
| Loan and lease loss provision to assets | 0.9619% | 1,350 |
| Net operating income to assets | 0.5312% | 4,292 |
| Return on assets (ROA) | 0.6206% | 4,121 |
| Pretax return on assets | 0.9302% | 3,604 |
| Return on Equity (ROE) | 5.3560% | 4,308 |
| Retained earnings to average equity (ytd only) | 4.3796% | 3,482 |
| Net charge-offs to loans | 1.1511% | 1,193 |
| Credit loss provision to net charge-offs | 108.9728% | 3,530 |
| Earnings coverage of net charge-offs (x) | 1.9923% | 3,729 |
| Efficiency ratio | 57.6733% | 6,748 |
| Assets per employee ($millions) | 4.9502% | 2,117 |
| Cash dividends to net income (ytd only)* | 18.2304% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 4,348 |
| Loan loss allowance to noncurrent loans | 95.3869% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.0050% | 4,686 |
| Noncurrent loans to loans | 1.3200% | 4,337 |
| Net loans and leases to total assets | 75.1808% | 2,462 |
| Net loans and leases to deposits | 97.8658% | 1,685 |
| Net loans and leases to core deposits | 110.6500% | 3,351 |
| Total domestic deposits to total assets | 76.8203% | 6,328 |
| Equity capital to assets | 12.5002% | 1,971 |
| Core capital (leverage) ratio | 9.5876% | 3,883 |
| Tier 1 risk-based capital ratio | 12.3503% | 4,662 |
| Total risk-based capital ratio | 13.6002% | 4,582 |
| Memoranda: | ||
| Average total assets | $2,651,463,000 | 294 |
| Average earning assets | $2,421,446,500 | 299 |
| Average equity | $307,245,500 | 258 |
| Average total loans | $2,033,173,000 | 278 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1725% | 4,652 |
| Cost of funding earning assets | 2.1495% | 5,834 |
| Net interest margin | 4.0230% | 3,013 |
| Noninterest income to average assets | 0.6784% | 3,263 |
| Noninterest expense to average assets | 2.2939% | 6,722 |
| Loan and lease loss provision to assets | 0.9251% | 1,610 |
| Net operating income to assets | 0.7481% | 3,681 |
| Return on assets (ROA) | 0.7495% | 3,510 |
| Pretax return on assets | 1.1170% | 2,971 |
| Return on Equity (ROE) | 6.9518% | 3,556 |
| Retained earnings to average equity (ytd only) | 3.0684% | 3,252 |
| Net charge-offs to loans | 0.6776% | 1,818 |
| Credit loss provision to net charge-offs | 177.5400% | 2,850 |
| Earnings coverage of net charge-offs (x) | 3.9152% | 4,184 |
| Efficiency ratio | 51.9735% | 7,493 |
| Assets per employee ($millions) | 5.0572% | 1,896 |
| Cash dividends to net income (ytd only)* | 55.8619% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 4,299 |
| Loan loss allowance to noncurrent loans | 144.2397% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 5,242 |
| Noncurrent loans to loans | 0.8536% | 4,916 |
| Net loans and leases to total assets | 76.2789% | 2,549 |
| Net loans and leases to deposits | 97.3377% | 2,224 |
| Net loans and leases to core deposits | 108.7975% | 3,882 |
| Total domestic deposits to total assets | 78.3652% | 5,591 |
| Equity capital to assets | 10.6638% | 3,326 |
| Core capital (leverage) ratio | 7.5668% | 7,123 |
| Tier 1 risk-based capital ratio | 9.5960% | 7,214 |
| Total risk-based capital ratio | 10.8459% | 7,101 |
| Memoranda: | ||
| Average total assets | $2,565,245,400 | 293 |
| Average earning assets | $2,330,893,000 | 293 |
| Average equity | $276,561,600 | 284 |
| Average total loans | $1,972,622,200 | 278 |