Home > Old National Bank > Performance and Condition Ratios
Old National 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 | 5.2026% | 1,655 |
| Cost of funding earning assets | 1.6118% | 1,662 |
| Net interest margin | 3.5908% | 1,985 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.0403% | 3,529 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.2920% | 1,448 |
| Return on assets (ROA) | 1.3180% | 1,360 |
| Pretax return on assets | 1.6950% | 1,075 |
| Return on Equity (ROE) | 12.0500% | 1,945 |
| Retained earnings to average equity (ytd only) | 9.1942% | 1,211 |
| Net charge-offs to loans | 0.1734% | 616 |
| Credit loss provision to net charge-offs | 107.0453% | 1,777 |
| Earnings coverage of net charge-offs (x) | 15.3110% | 2,048 |
| Efficiency ratio | 52.0680% | 3,828 |
| Assets per employee ($millions) | 13.7938% | 269 |
| Cash dividends to net income (ytd only)* | 23.7278% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 3,604 |
| Loan loss allowance to noncurrent loans | 111.5410% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 980 |
| Noncurrent loans to loans | 0.8351% | 920 |
| Net loans and leases to total assets | 67.0400% | 2,143 |
| Net loans and leases to deposits | 87.1691% | 1,523 |
| Net loans and leases to core deposits | 93.3578% | 1,815 |
| Total domestic deposits to total assets | 76.9100% | 3,855 |
| Equity capital to assets | 11.3327% | 1,360 |
| Core capital (leverage) ratio | 8.9949% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3273% | 2,483 |
| Memoranda: | ||
| Average total assets | $47,962,622,400 | 48 |
| Average earning assets | $42,372,944,800 | 46 |
| Average equity | $5,244,308,000 | 44 |
| Average total loans | $32,247,833,400 | 42 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 1,621 |
| Cost of funding earning assets | 1.4639% | 1,694 |
| Net interest margin | 3.6449% | 1,896 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 1.9845% | 3,635 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.3618% | 1,394 |
| Return on assets (ROA) | 1.3486% | 1,406 |
| Pretax return on assets | 1.7462% | 1,093 |
| Return on Equity (ROE) | 12.4500% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.8723% | 1,441 |
| Net charge-offs to loans | 0.1922% | 458 |
| Credit loss provision to net charge-offs | 100.6730% | 1,614 |
| Earnings coverage of net charge-offs (x) | 14.6869% | 1,988 |
| Efficiency ratio | 49.8830% | 3,920 |
| Assets per employee ($millions) | 13.6085% | 262 |
| Cash dividends to net income (ytd only)* | 20.7035% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 3,634 |
| Loan loss allowance to noncurrent loans | 115.7859% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 1,074 |
| Noncurrent loans to loans | 0.8029% | 1,037 |
| Net loans and leases to total assets | 66.4400% | 2,205 |
| Net loans and leases to deposits | 86.3745% | 1,526 |
| Net loans and leases to core deposits | 93.0659% | 1,727 |
| Total domestic deposits to total assets | 76.9200% | 3,935 |
| Equity capital to assets | 10.6681% | 1,480 |
| Core capital (leverage) ratio | 8.8429% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9954% | 2,612 |
| Memoranda: | ||
| Average total assets | $47,752,646,000 | 48 |
| Average earning assets | $42,166,092,750 | 47 |
| Average equity | $5,172,725,750 | 45 |
| Average total loans | $32,053,808,500 | 43 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 1,609 |
| Cost of funding earning assets | 1.2752% | 1,777 |
| Net interest margin | 3.6935% | 1,827 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.0076% | 3,575 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.3844% | 1,371 |
| Return on assets (ROA) | 1.3671% | 1,391 |
| Pretax return on assets | 1.7694% | 1,070 |
| Return on Equity (ROE) | 12.5600% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.6183% | 1,262 |
| Net charge-offs to loans | 0.1666% | 471 |
| Credit loss provision to net charge-offs | 88.2508% | 1,511 |
| Earnings coverage of net charge-offs (x) | 17.0773% | 1,810 |
| Efficiency ratio | 49.9681% | 3,935 |
| Assets per employee ($millions) | 13.2655% | 282 |
| Cash dividends to net income (ytd only)* | 15.4266% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 3,705 |
| Loan loss allowance to noncurrent loans | 101.6034% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 863 |
| Noncurrent loans to loans | 0.9089% | 841 |
| Net loans and leases to total assets | 66.8900% | 2,066 |
| Net loans and leases to deposits | 88.2323% | 1,323 |
| Net loans and leases to core deposits | 95.0569% | 1,517 |
| Total domestic deposits to total assets | 75.8100% | 4,063 |
| Equity capital to assets | 10.8966% | 1,431 |
| Core capital (leverage) ratio | 8.7339% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7334% | 2,701 |
| Memoranda: | ||
| Average total assets | $47,417,069,333 | 47 |
| Average earning assets | $41,846,499,667 | 47 |
| Average equity | $5,163,075,333 | 46 |
| Average total loans | $31,838,455,667 | 43 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 1,865 |
| Cost of funding earning assets | 0.2980% | 2,890 |
| Net interest margin | 3.6503% | 1,491 |
| Noninterest income to average assets | 0.9500% | 711 |
| Noninterest expense to average assets | 2.4006% | 2,421 |
| Loan and lease loss provision to assets | 0.3500% | 208 |
| Net operating income to assets | 1.1311% | 2,049 |
| Return on assets (ROA) | 1.1298% | 1,998 |
| Pretax return on assets | 1.4326% | 1,683 |
| Return on Equity (ROE) | 10.3700% | 2,690 |
| Retained earnings to average equity (ytd only) | 10.3720% | 1,048 |
| Net charge-offs to loans | 0.0604% | 1,043 |
| Credit loss provision to net charge-offs | 766.1345% | 510 |
| Earnings coverage of net charge-offs (x) | 46.0376% | 1,417 |
| Efficiency ratio | 55.9472% | 3,590 |
| Assets per employee ($millions) | 12.9753% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 3,494 |
| Loan loss allowance to noncurrent loans | 126.0946% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 960 |
| Noncurrent loans to loans | 0.7735% | 964 |
| Net loans and leases to total assets | 66.3200% | 2,001 |
| Net loans and leases to deposits | 87.0073% | 1,246 |
| Net loans and leases to core deposits | 88.9999% | 1,553 |
| Total domestic deposits to total assets | 76.2200% | 4,242 |
| Equity capital to assets | 10.7552% | 1,355 |
| Core capital (leverage) ratio | 8.4670% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3481% | 2,902 |
| Memoranda: | ||
| Average total assets | $41,577,389,800 | 57 |
| Average earning assets | $36,775,207,200 | 59 |
| Average equity | $4,528,879,000 | 57 |
| Average total loans | $26,655,407,400 | 55 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 1,995 |
| Cost of funding earning assets | 0.1786% | 3,532 |
| Net interest margin | 3.5366% | 1,556 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.4469% | 2,173 |
| Loan and lease loss provision to assets | 0.3900% | 147 |
| Net operating income to assets | 0.8593% | 3,038 |
| Return on assets (ROA) | 0.8546% | 3,025 |
| Pretax return on assets | 1.0597% | 2,844 |
| Return on Equity (ROE) | 7.8200% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.8171% | 2,074 |
| Net charge-offs to loans | 0.0633% | 858 |
| Credit loss provision to net charge-offs | 972.6313% | 415 |
| Earnings coverage of net charge-offs (x) | 36.3303% | 1,427 |
| Efficiency ratio | 61.1325% | 2,949 |
| Assets per employee ($millions) | 12.6560% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,535 |
| Loan loss allowance to noncurrent loans | 128.9337% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 1,047 |
| Noncurrent loans to loans | 0.7674% | 1,058 |
| Net loans and leases to total assets | 65.8200% | 1,906 |
| Net loans and leases to deposits | 82.7779% | 1,377 |
| Net loans and leases to core deposits | 84.0378% | 1,649 |
| Total domestic deposits to total assets | 79.5100% | 4,142 |
| Equity capital to assets | 10.3729% | 1,431 |
| Core capital (leverage) ratio | 8.0949% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9898% | 3,040 |
| Memoranda: | ||
| Average total assets | $40,349,127,750 | 60 |
| Average earning assets | $35,725,230,750 | 62 |
| Average equity | $4,411,060,500 | 60 |
| Average total loans | $25,535,367,500 | 58 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 2,284 |
| Cost of funding earning assets | 0.1314% | 3,824 |
| Net interest margin | 3.3229% | 1,840 |
| Noninterest income to average assets | 0.8049% | 1,029 |
| Noninterest expense to average assets | 2.5024% | 1,920 |
| Loan and lease loss provision to assets | 0.5552% | 94 |
| Net operating income to assets | 0.5827% | 3,673 |
| Return on assets (ROA) | 0.5753% | 3,642 |
| Pretax return on assets | 0.6845% | 3,613 |
| Return on Equity (ROE) | 5.1570% | 3,781 |
| Retained earnings to average equity (ytd only) | 5.1570% | 2,649 |
| Net charge-offs to loans | 0.0380% | 1,003 |
| Credit loss provision to net charge-offs | 2,356.8844% | 220 |
| Earnings coverage of net charge-offs (x) | 53.0077% | 1,137 |
| Efficiency ratio | 65.1054% | 2,631 |
| Assets per employee ($millions) | 12.0149% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 3,712 |
| Loan loss allowance to noncurrent loans | 133.4546% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 1,172 |
| Noncurrent loans to loans | 0.7296% | 1,181 |
| Net loans and leases to total assets | 64.3769% | 1,861 |
| Net loans and leases to deposits | 81.2144% | 1,298 |
| Net loans and leases to core deposits | 82.5385% | 1,554 |
| Total domestic deposits to total assets | 79.2679% | 4,281 |
| Equity capital to assets | 10.6758% | 1,365 |
| Core capital (leverage) ratio | 7.8076% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9203% | 3,024 |
| Memoranda: | ||
| Average total assets | $38,480,839,667 | 64 |
| Average earning assets | $34,117,227,667 | 64 |
| Average equity | $4,292,494,667 | 60 |
| Average total loans | $23,864,263,000 | 59 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0328% | 3,157 |
| Cost of funding earning assets | 0.1251% | 3,835 |
| Net interest margin | 2.9077% | 2,812 |
| Noninterest income to average assets | 0.7602% | 1,148 |
| Noninterest expense to average assets | 2.4549% | 2,000 |
| Loan and lease loss provision to assets | 1.1160% | 39 |
| Net operating income to assets | -0.1084% | 4,603 |
| Return on assets (ROA) | -0.1285% | 4,598 |
| Pretax return on assets | -0.2562% | 4,625 |
| Return on Equity (ROE) | -1.1205% | 4,594 |
| Retained earnings to average equity (ytd only) | -1.1205% | 4,152 |
| Net charge-offs to loans | 0.0528% | 760 |
| Credit loss provision to net charge-offs | 3,517.2675% | 122 |
| Earnings coverage of net charge-offs (x) | 27.8991% | 1,162 |
| Efficiency ratio | 71.9036% | 1,986 |
| Assets per employee ($millions) | 11.6772% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,771 |
| Loan loss allowance to noncurrent loans | 122.1875% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 1,163 |
| Noncurrent loans to loans | 0.8090% | 1,171 |
| Net loans and leases to total assets | 61.6285% | 1,904 |
| Net loans and leases to deposits | 77.6642% | 1,311 |
| Net loans and leases to core deposits | 78.1503% | 1,602 |
| Total domestic deposits to total assets | 79.3525% | 4,326 |
| Equity capital to assets | 10.8941% | 1,386 |
| Core capital (leverage) ratio | 10.0712% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8859% | 3,058 |
| Memoranda: | ||
| Average total assets | $34,970,982,500 | 70 |
| Average earning assets | $31,028,918,500 | 71 |
| Average equity | $4,009,969,500 | 62 |
| Average total loans | $21,006,462,000 | 67 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0555% | 3,768 |
| Cost of funding earning assets | 0.1627% | 3,842 |
| Net interest margin | 2.8928% | 3,460 |
| Noninterest income to average assets | 0.8698% | 1,279 |
| Noninterest expense to average assets | 2.0507% | 3,531 |
| Loan and lease loss provision to assets | -0.1217% | 4,584 |
| Net operating income to assets | 1.2153% | 1,878 |
| Return on assets (ROA) | 1.2307% | 1,866 |
| Pretax return on assets | 1.5114% | 1,679 |
| Return on Equity (ROE) | 9.5633% | 2,697 |
| Retained earnings to average equity (ytd only) | 5.4598% | 2,588 |
| Net charge-offs to loans | -0.0346% | 4,172 |
| Credit loss provision to net charge-offs | 604.6590% | 721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7075% | 3,327 |
| Assets per employee ($millions) | 11.2334% | 478 |
| Cash dividends to net income (ytd only)* | 42.9093% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 4,285 |
| Loan loss allowance to noncurrent loans | 97.4198% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 1,432 |
| Noncurrent loans to loans | 0.8080% | 1,262 |
| Net loans and leases to total assets | 55.5552% | 2,668 |
| Net loans and leases to deposits | 72.4367% | 1,870 |
| Net loans and leases to core deposits | 73.4304% | 2,121 |
| Total domestic deposits to total assets | 76.6947% | 4,480 |
| Equity capital to assets | 12.5382% | 1,045 |
| Core capital (leverage) ratio | 8.8055% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8235% | 2,695 |
| Memoranda: | ||
| Average total assets | $23,670,044,800 | 90 |
| Average earning assets | $20,877,661,200 | 89 |
| Average equity | $3,046,141,200 | 75 |
| Average total loans | $13,786,739,200 | 88 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0981% | 3,813 |
| Cost of funding earning assets | 0.1667% | 3,955 |
| Net interest margin | 2.9314% | 3,478 |
| Noninterest income to average assets | 0.8804% | 1,290 |
| Noninterest expense to average assets | 2.0340% | 3,574 |
| Loan and lease loss provision to assets | -0.1526% | 4,690 |
| Net operating income to assets | 1.2792% | 1,890 |
| Return on assets (ROA) | 1.2985% | 1,892 |
| Pretax return on assets | 1.6060% | 1,678 |
| Return on Equity (ROE) | 10.0229% | 2,731 |
| Retained earnings to average equity (ytd only) | 5.4242% | 3,064 |
| Net charge-offs to loans | -0.0326% | 4,168 |
| Credit loss provision to net charge-offs | 796.2700% | 595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5045% | 3,350 |
| Assets per employee ($millions) | 10.9086% | 485 |
| Cash dividends to net income (ytd only)* | 45.8816% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 4,363 |
| Loan loss allowance to noncurrent loans | 93.0771% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 1,550 |
| Noncurrent loans to loans | 0.8499% | 1,344 |
| Net loans and leases to total assets | 56.5506% | 2,666 |
| Net loans and leases to deposits | 73.8818% | 1,867 |
| Net loans and leases to core deposits | 74.9453% | 2,145 |
| Total domestic deposits to total assets | 76.5419% | 4,519 |
| Equity capital to assets | 12.8337% | 1,040 |
| Core capital (leverage) ratio | 8.8049% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8447% | 2,758 |
| Memoranda: | ||
| Average total assets | $23,499,028,750 | 91 |
| Average earning assets | $20,707,714,000 | 90 |
| Average equity | $3,044,282,750 | 76 |
| Average total loans | $13,824,098,000 | 89 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1071% | 3,852 |
| Cost of funding earning assets | 0.1703% | 4,040 |
| Net interest margin | 2.9368% | 3,485 |
| Noninterest income to average assets | 0.8774% | 1,335 |
| Noninterest expense to average assets | 2.0497% | 3,549 |
| Loan and lease loss provision to assets | -0.1908% | 4,747 |
| Net operating income to assets | 1.2925% | 1,888 |
| Return on assets (ROA) | 1.3127% | 1,897 |
| Pretax return on assets | 1.6277% | 1,663 |
| Return on Equity (ROE) | 10.1007% | 2,707 |
| Retained earnings to average equity (ytd only) | 5.4888% | 3,001 |
| Net charge-offs to loans | -0.0049% | 3,434 |
| Credit loss provision to net charge-offs | 6,535.1906% | 94 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0540% | 3,278 |
| Assets per employee ($millions) | 10.5728% | 513 |
| Cash dividends to net income (ytd only)* | 45.6588% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 4,374 |
| Loan loss allowance to noncurrent loans | 82.4648% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 1,478 |
| Noncurrent loans to loans | 0.9593% | 1,289 |
| Net loans and leases to total assets | 58.2143% | 2,645 |
| Net loans and leases to deposits | 76.3858% | 1,782 |
| Net loans and leases to core deposits | 77.4459% | 2,099 |
| Total domestic deposits to total assets | 76.2109% | 4,551 |
| Equity capital to assets | 12.8735% | 988 |
| Core capital (leverage) ratio | 8.6547% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7937% | 2,777 |
| Memoranda: | ||
| Average total assets | $23,357,827,667 | 91 |
| Average earning assets | $20,553,887,667 | 90 |
| Average equity | $3,035,654,667 | 74 |
| Average total loans | $13,886,714,000 | 89 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1129% | 3,853 |
| Cost of funding earning assets | 0.1770% | 4,103 |
| Net interest margin | 2.9359% | 3,422 |
| Noninterest income to average assets | 0.9076% | 1,309 |
| Noninterest expense to average assets | 1.9694% | 3,807 |
| Loan and lease loss provision to assets | -0.2986% | 4,858 |
| Net operating income to assets | 1.4657% | 1,404 |
| Return on assets (ROA) | 1.4949% | 1,408 |
| Pretax return on assets | 1.8536% | 1,187 |
| Return on Equity (ROE) | 11.4474% | 2,202 |
| Retained earnings to average equity (ytd only) | 6.8359% | 2,632 |
| Net charge-offs to loans | -0.0001% | 3,000 |
| Credit loss provision to net charge-offs | 347,120.0000% | 1 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5617% | 3,594 |
| Assets per employee ($millions) | 10.5679% | 506 |
| Cash dividends to net income (ytd only)* | 40.2845% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8160% | 4,374 |
| Loan loss allowance to noncurrent loans | 77.4566% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 1,520 |
| Noncurrent loans to loans | 1.0535% | 1,277 |
| Net loans and leases to total assets | 58.6347% | 2,724 |
| Net loans and leases to deposits | 77.3309% | 1,772 |
| Net loans and leases to core deposits | 78.7900% | 2,113 |
| Total domestic deposits to total assets | 75.8231% | 4,589 |
| Equity capital to assets | 12.8331% | 965 |
| Core capital (leverage) ratio | 8.7405% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9776% | 2,676 |
| Memoranda: | ||
| Average total assets | $23,248,079,500 | 91 |
| Average earning assets | $20,436,061,500 | 91 |
| Average equity | $3,035,866,500 | 75 |
| Average total loans | $13,912,660,000 | 90 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 3,979 |
| Cost of funding earning assets | 0.3114% | 4,079 |
| Net interest margin | 3.2123% | 3,326 |
| Noninterest income to average assets | 1.0391% | 978 |
| Noninterest expense to average assets | 2.4335% | 3,042 |
| Loan and lease loss provision to assets | 0.1775% | 2,172 |
| Net operating income to assets | 1.0683% | 2,037 |
| Return on assets (ROA) | 1.1176% | 1,967 |
| Pretax return on assets | 1.2767% | 2,059 |
| Return on Equity (ROE) | 8.1149% | 2,769 |
| Retained earnings to average equity (ytd only) | 0.3962% | 4,398 |
| Net charge-offs to loans | 0.0225% | 2,600 |
| Credit loss provision to net charge-offs | 1,291.4564% | 648 |
| Earnings coverage of net charge-offs (x) | 101.7393% | 778 |
| Efficiency ratio | 61.6466% | 3,202 |
| Assets per employee ($millions) | 10.2171% | 491 |
| Cash dividends to net income (ytd only)* | 95.1176% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 4,047 |
| Loan loss allowance to noncurrent loans | 86.0348% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 1,552 |
| Noncurrent loans to loans | 1.1027% | 1,287 |
| Net loans and leases to total assets | 60.0217% | 2,859 |
| Net loans and leases to deposits | 80.1437% | 1,851 |
| Net loans and leases to core deposits | 81.9885% | 2,193 |
| Total domestic deposits to total assets | 74.8926% | 4,579 |
| Equity capital to assets | 13.2918% | 1,001 |
| Core capital (leverage) ratio | 8.6694% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8953% | 2,672 |
| Memoranda: | ||
| Average total assets | $21,635,218,200 | 91 |
| Average earning assets | $18,807,532,200 | 93 |
| Average equity | $2,979,772,800 | 75 |
| Average total loans | $13,233,797,600 | 94 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 4,156 |
| Cost of funding earning assets | 0.3491% | 4,061 |
| Net interest margin | 3.1778% | 3,547 |
| Noninterest income to average assets | 1.0506% | 945 |
| Noninterest expense to average assets | 2.4546% | 2,981 |
| Loan and lease loss provision to assets | 0.2469% | 1,643 |
| Net operating income to assets | 0.9469% | 2,532 |
| Return on assets (ROA) | 1.0107% | 2,432 |
| Pretax return on assets | 1.1811% | 2,451 |
| Return on Equity (ROE) | 7.2700% | 3,103 |
| Retained earnings to average equity (ytd only) | -1.2732% | 4,642 |
| Net charge-offs to loans | 0.0415% | 2,031 |
| Credit loss provision to net charge-offs | 969.6784% | 849 |
| Earnings coverage of net charge-offs (x) | 53.1746% | 1,158 |
| Efficiency ratio | 62.2914% | 3,023 |
| Assets per employee ($millions) | 9.8289% | 535 |
| Cash dividends to net income (ytd only)* | 117.5132% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,933 |
| Loan loss allowance to noncurrent loans | 91.7911% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 1,803 |
| Noncurrent loans to loans | 1.0241% | 1,463 |
| Net loans and leases to total assets | 61.9221% | 3,020 |
| Net loans and leases to deposits | 83.5370% | 1,957 |
| Net loans and leases to core deposits | 85.5941% | 2,334 |
| Total domestic deposits to total assets | 74.1254% | 4,561 |
| Equity capital to assets | 13.4136% | 1,023 |
| Core capital (leverage) ratio | 8.7120% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1895% | 2,535 |
| Memoranda: | ||
| Average total assets | $21,330,106,000 | 91 |
| Average earning assets | $18,510,440,250 | 93 |
| Average equity | $2,965,233,500 | 75 |
| Average total loans | $13,079,808,250 | 94 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6305% | 4,214 |
| Cost of funding earning assets | 0.3968% | 4,045 |
| Net interest margin | 3.2337% | 3,571 |
| Noninterest income to average assets | 1.0546% | 894 |
| Noninterest expense to average assets | 2.6221% | 2,591 |
| Loan and lease loss provision to assets | 0.3764% | 1,106 |
| Net operating income to assets | 0.7483% | 3,216 |
| Return on assets (ROA) | 0.7955% | 3,172 |
| Pretax return on assets | 0.9098% | 3,288 |
| Return on Equity (ROE) | 5.6516% | 3,616 |
| Retained earnings to average equity (ytd only) | -5.1817% | 4,777 |
| Net charge-offs to loans | 0.1106% | 1,187 |
| Credit loss provision to net charge-offs | 558.8651% | 1,153 |
| Earnings coverage of net charge-offs (x) | 18.2929% | 1,772 |
| Efficiency ratio | 65.6583% | 2,570 |
| Assets per employee ($millions) | 9.4995% | 586 |
| Cash dividends to net income (ytd only)* | 191.6856% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 3,865 |
| Loan loss allowance to noncurrent loans | 97.5727% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 1,998 |
| Noncurrent loans to loans | 0.9578% | 1,614 |
| Net loans and leases to total assets | 61.8608% | 3,142 |
| Net loans and leases to deposits | 83.1290% | 2,084 |
| Net loans and leases to core deposits | 86.0815% | 2,430 |
| Total domestic deposits to total assets | 74.4154% | 4,564 |
| Equity capital to assets | 13.4123% | 1,005 |
| Core capital (leverage) ratio | 8.7296% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1401% | 2,553 |
| Memoranda: | ||
| Average total assets | $20,986,571,333 | 91 |
| Average earning assets | $18,168,962,000 | 93 |
| Average equity | $2,953,851,333 | 77 |
| Average total loans | $12,780,538,667 | 95 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7994% | 4,233 |
| Cost of funding earning assets | 0.4959% | 3,965 |
| Net interest margin | 3.3035% | 3,585 |
| Noninterest income to average assets | 1.0289% | 805 |
| Noninterest expense to average assets | 3.0964% | 1,646 |
| Loan and lease loss provision to assets | 0.3311% | 930 |
| Net operating income to assets | 0.4389% | 4,048 |
| Return on assets (ROA) | 0.5391% | 3,838 |
| Pretax return on assets | 0.5567% | 4,015 |
| Return on Equity (ROE) | 3.7358% | 4,027 |
| Retained earnings to average equity (ytd only) | -9.7988% | 4,758 |
| Net charge-offs to loans | 0.2125% | 658 |
| Credit loss provision to net charge-offs | 259.3329% | 1,266 |
| Earnings coverage of net charge-offs (x) | 6.1449% | 2,003 |
| Efficiency ratio | 77.1751% | 1,439 |
| Assets per employee ($millions) | 8.1934% | 690 |
| Cash dividends to net income (ytd only)* | 362.2926% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 4,265 |
| Loan loss allowance to noncurrent loans | 80.0464% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 2,063 |
| Noncurrent loans to loans | 1.0684% | 1,556 |
| Net loans and leases to total assets | 59.7293% | 3,526 |
| Net loans and leases to deposits | 86.0650% | 1,992 |
| Net loans and leases to core deposits | 89.5469% | 2,391 |
| Total domestic deposits to total assets | 69.4002% | 4,878 |
| Equity capital to assets | 14.2592% | 983 |
| Core capital (leverage) ratio | 9.2328% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8611% | 2,767 |
| Memoranda: | ||
| Average total assets | $20,479,482,500 | 88 |
| Average earning assets | $17,680,243,500 | 91 |
| Average equity | $2,955,368,500 | 75 |
| Average total loans | $12,301,696,500 | 96 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 3,723 |
| Cost of funding earning assets | 0.6719% | 3,303 |
| Net interest margin | 3.5608% | 3,249 |
| Noninterest income to average assets | 0.9716% | 1,031 |
| Noninterest expense to average assets | 2.4619% | 3,544 |
| Loan and lease loss provision to assets | 0.0237% | 3,548 |
| Net operating income to assets | 1.2602% | 1,833 |
| Return on assets (ROA) | 1.2710% | 1,881 |
| Pretax return on assets | 1.5617% | 1,611 |
| Return on Equity (ROE) | 8.8199% | 2,835 |
| Retained earnings to average equity (ytd only) | 3.1117% | 3,465 |
| Net charge-offs to loans | 0.0461% | 2,466 |
| Credit loss provision to net charge-offs | 84.9347% | 2,731 |
| Earnings coverage of net charge-offs (x) | 56.4266% | 1,028 |
| Efficiency ratio | 58.9365% | 3,845 |
| Assets per employee ($millions) | 8.1540% | 673 |
| Cash dividends to net income (ytd only)* | 64.7193% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4490% | 4,946 |
| Loan loss allowance to noncurrent loans | 45.0875% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 2,098 |
| Noncurrent loans to loans | 0.9959% | 1,524 |
| Net loans and leases to total assets | 59.6205% | 3,622 |
| Net loans and leases to deposits | 82.9482% | 2,447 |
| Net loans and leases to core deposits | 86.7391% | 2,732 |
| Total domestic deposits to total assets | 71.8768% | 4,870 |
| Equity capital to assets | 14.6054% | 900 |
| Core capital (leverage) ratio | 9.6193% | 3,936 |
| Tier 1 risk-based capital ratio | 13.0068% | 3,789 |
| Total risk-based capital ratio | 13.5012% | 4,086 |
| Memoranda: | ||
| Average total assets | $20,059,541,800 | 85 |
| Average earning assets | $17,252,494,000 | 85 |
| Average equity | $2,890,585,200 | 74 |
| Average total loans | $12,133,364,200 | 91 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2967% | 3,665 |
| Cost of funding earning assets | 0.7040% | 3,205 |
| Net interest margin | 3.5927% | 3,269 |
| Noninterest income to average assets | 0.9898% | 957 |
| Noninterest expense to average assets | 2.4418% | 3,584 |
| Loan and lease loss provision to assets | 0.0232% | 3,436 |
| Net operating income to assets | 1.3117% | 1,803 |
| Return on assets (ROA) | 1.3222% | 1,835 |
| Pretax return on assets | 1.6250% | 1,545 |
| Return on Equity (ROE) | 9.2076% | 2,799 |
| Retained earnings to average equity (ytd only) | 3.6359% | 3,586 |
| Net charge-offs to loans | 0.0224% | 2,654 |
| Credit loss provision to net charge-offs | 171.2389% | 1,484 |
| Earnings coverage of net charge-offs (x) | 120.5699% | 644 |
| Efficiency ratio | 57.7542% | 3,973 |
| Assets per employee ($millions) | 7.9488% | 703 |
| Cash dividends to net income (ytd only)* | 60.5119% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4713% | 5,007 |
| Loan loss allowance to noncurrent loans | 43.6390% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 2,067 |
| Noncurrent loans to loans | 1.0799% | 1,470 |
| Net loans and leases to total assets | 59.1110% | 3,756 |
| Net loans and leases to deposits | 83.0043% | 2,568 |
| Net loans and leases to core deposits | 87.3754% | 2,794 |
| Total domestic deposits to total assets | 71.2144% | 4,950 |
| Equity capital to assets | 14.5439% | 967 |
| Core capital (leverage) ratio | 9.5743% | 4,084 |
| Tier 1 risk-based capital ratio | 12.9999% | 3,845 |
| Total risk-based capital ratio | 13.5118% | 4,155 |
| Memoranda: | ||
| Average total assets | $19,996,543,500 | 84 |
| Average earning assets | $17,182,468,750 | 87 |
| Average equity | $2,871,587,500 | 75 |
| Average total loans | $12,125,592,000 | 90 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 3,625 |
| Cost of funding earning assets | 0.7073% | 3,130 |
| Net interest margin | 3.5965% | 3,267 |
| Noninterest income to average assets | 0.9619% | 947 |
| Noninterest expense to average assets | 2.4801% | 3,550 |
| Loan and lease loss provision to assets | 0.0206% | 3,382 |
| Net operating income to assets | 1.2601% | 1,923 |
| Return on assets (ROA) | 1.2700% | 1,944 |
| Pretax return on assets | 1.5656% | 1,648 |
| Return on Equity (ROE) | 8.8827% | 2,906 |
| Retained earnings to average equity (ytd only) | 3.6066% | 3,448 |
| Net charge-offs to loans | 0.0200% | 2,463 |
| Credit loss provision to net charge-offs | 168.3951% | 1,371 |
| Earnings coverage of net charge-offs (x) | 128.7942% | 570 |
| Efficiency ratio | 58.9895% | 3,863 |
| Assets per employee ($millions) | 7.6865% | 750 |
| Cash dividends to net income (ytd only)* | 59.3970% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4658% | 5,057 |
| Loan loss allowance to noncurrent loans | 43.7883% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 2,096 |
| Noncurrent loans to loans | 1.0638% | 1,543 |
| Net loans and leases to total assets | 60.0248% | 3,728 |
| Net loans and leases to deposits | 83.4623% | 2,549 |
| Net loans and leases to core deposits | 88.3755% | 2,758 |
| Total domestic deposits to total assets | 71.9185% | 4,979 |
| Equity capital to assets | 14.5404% | 936 |
| Core capital (leverage) ratio | 9.4774% | 4,168 |
| Tier 1 risk-based capital ratio | 12.7567% | 3,972 |
| Total risk-based capital ratio | 13.2618% | 4,294 |
| Memoranda: | ||
| Average total assets | $19,884,386,670 | 84 |
| Average earning assets | $17,096,009,000 | 85 |
| Average equity | $2,843,042,670 | 75 |
| Average total loans | $12,142,137,000 | 91 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 3,857 |
| Cost of funding earning assets | 0.6856% | 3,124 |
| Net interest margin | 3.5159% | 3,554 |
| Noninterest income to average assets | 0.9289% | 975 |
| Noninterest expense to average assets | 2.4775% | 3,569 |
| Loan and lease loss provision to assets | 0.0211% | 3,165 |
| Net operating income to assets | 1.1767% | 2,147 |
| Return on assets (ROA) | 1.1755% | 2,200 |
| Pretax return on assets | 1.4515% | 1,914 |
| Return on Equity (ROE) | 8.2923% | 3,119 |
| Retained earnings to average equity (ytd only) | 3.3060% | 3,595 |
| Net charge-offs to loans | 0.0311% | 1,828 |
| Credit loss provision to net charge-offs | 110.3704% | 1,494 |
| Earnings coverage of net charge-offs (x) | 77.2466% | 784 |
| Efficiency ratio | 60.4093% | 3,754 |
| Assets per employee ($millions) | 7.4443% | 837 |
| Cash dividends to net income (ytd only)* | 60.1313% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4598% | 5,124 |
| Loan loss allowance to noncurrent loans | 39.8693% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 1,990 |
| Noncurrent loans to loans | 1.1533% | 1,449 |
| Net loans and leases to total assets | 60.1961% | 3,689 |
| Net loans and leases to deposits | 82.9880% | 2,503 |
| Net loans and leases to core deposits | 88.1986% | 2,660 |
| Total domestic deposits to total assets | 72.5359% | 5,018 |
| Equity capital to assets | 14.2451% | 953 |
| Core capital (leverage) ratio | 9.3007% | 4,361 |
| Tier 1 risk-based capital ratio | 12.4766% | 4,188 |
| Total risk-based capital ratio | 12.9785% | 4,502 |
| Memoranda: | ||
| Average total assets | $19,807,212,000 | 87 |
| Average earning assets | $17,028,911,500 | 86 |
| Average equity | $2,807,706,000 | 77 |
| Average total loans | $12,170,950,500 | 90 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 3,745 |
| Cost of funding earning assets | 0.5450% | 3,083 |
| Net interest margin | 3.5537% | 3,535 |
| Noninterest income to average assets | 1.0714% | 817 |
| Noninterest expense to average assets | 2.7737% | 2,774 |
| Loan and lease loss provision to assets | 0.0390% | 3,419 |
| Net operating income to assets | 1.1956% | 2,191 |
| Return on assets (ROA) | 1.2055% | 2,138 |
| Pretax return on assets | 1.3373% | 2,375 |
| Return on Equity (ROE) | 9.0472% | 2,973 |
| Retained earnings to average equity (ytd only) | 4.6351% | 2,971 |
| Net charge-offs to loans | 0.0165% | 3,136 |
| Credit loss provision to net charge-offs | 369.3531% | 868 |
| Earnings coverage of net charge-offs (x) | 129.2922% | 619 |
| Efficiency ratio | 65.0623% | 3,019 |
| Assets per employee ($millions) | 7.4230% | 827 |
| Cash dividends to net income (ytd only)* | 48.7673% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4524% | 5,174 |
| Loan loss allowance to noncurrent loans | 38.3190% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 1,860 |
| Noncurrent loans to loans | 1.1807% | 1,360 |
| Net loans and leases to total assets | 62.1547% | 3,548 |
| Net loans and leases to deposits | 84.4832% | 2,460 |
| Net loans and leases to core deposits | 89.3838% | 2,621 |
| Total domestic deposits to total assets | 73.5705% | 4,972 |
| Equity capital to assets | 14.1040% | 938 |
| Core capital (leverage) ratio | 9.5781% | 4,031 |
| Tier 1 risk-based capital ratio | 11.9800% | 4,433 |
| Total risk-based capital ratio | 12.4732% | 4,772 |
| Memoranda: | ||
| Average total assets | $17,860,519,800 | 92 |
| Average earning assets | $15,417,424,600 | 95 |
| Average equity | $2,379,824,800 | 87 |
| Average total loans | $11,457,463,200 | 95 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 3,803 |
| Cost of funding earning assets | 0.5140% | 3,102 |
| Net interest margin | 3.5305% | 3,594 |
| Noninterest income to average assets | 1.0199% | 923 |
| Noninterest expense to average assets | 2.7168% | 2,929 |
| Loan and lease loss provision to assets | 0.0274% | 3,457 |
| Net operating income to assets | 1.1961% | 2,257 |
| Return on assets (ROA) | 1.2103% | 2,205 |
| Pretax return on assets | 1.3433% | 2,456 |
| Return on Equity (ROE) | 9.2357% | 2,982 |
| Retained earnings to average equity (ytd only) | 4.8546% | 3,314 |
| Net charge-offs to loans | 0.0147% | 2,894 |
| Credit loss provision to net charge-offs | 287.4598% | 1,058 |
| Earnings coverage of net charge-offs (x) | 142.2801% | 570 |
| Efficiency ratio | 64.7885% | 3,055 |
| Assets per employee ($millions) | 7.5559% | 752 |
| Cash dividends to net income (ytd only)* | 47.4362% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4659% | 5,228 |
| Loan loss allowance to noncurrent loans | 36.1603% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 1,746 |
| Noncurrent loans to loans | 1.2884% | 1,307 |
| Net loans and leases to total assets | 64.4641% | 3,366 |
| Net loans and leases to deposits | 88.8320% | 2,047 |
| Net loans and leases to core deposits | 94.8330% | 2,224 |
| Total domestic deposits to total assets | 72.5686% | 5,089 |
| Equity capital to assets | 13.2163% | 1,248 |
| Core capital (leverage) ratio | 9.0756% | 4,634 |
| Tier 1 risk-based capital ratio | 11.8591% | 4,577 |
| Total risk-based capital ratio | 12.3882% | 4,874 |
| Memoranda: | ||
| Average total assets | $17,417,190,250 | 93 |
| Average earning assets | $15,055,595,500 | 96 |
| Average equity | $2,282,489,500 | 89 |
| Average total loans | $11,257,125,500 | 96 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 3,759 |
| Cost of funding earning assets | 0.4786% | 3,168 |
| Net interest margin | 3.5302% | 3,534 |
| Noninterest income to average assets | 1.0101% | 941 |
| Noninterest expense to average assets | 2.7634% | 2,790 |
| Loan and lease loss provision to assets | 0.0325% | 3,266 |
| Net operating income to assets | 1.1616% | 2,343 |
| Return on assets (ROA) | 1.1847% | 2,260 |
| Pretax return on assets | 1.2898% | 2,557 |
| Return on Equity (ROE) | 9.0660% | 2,986 |
| Retained earnings to average equity (ytd only) | 4.6679% | 3,255 |
| Net charge-offs to loans | -0.0081% | 4,242 |
| Credit loss provision to net charge-offs | -623.8411% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0687% | 2,964 |
| Assets per employee ($millions) | 7.1274% | 873 |
| Cash dividends to net income (ytd only)* | 48.5117% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4740% | 5,292 |
| Loan loss allowance to noncurrent loans | 39.1062% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 1,860 |
| Noncurrent loans to loans | 1.2120% | 1,432 |
| Net loans and leases to total assets | 64.8204% | 3,304 |
| Net loans and leases to deposits | 88.9454% | 1,989 |
| Net loans and leases to core deposits | 94.4445% | 2,190 |
| Total domestic deposits to total assets | 72.8767% | 5,124 |
| Equity capital to assets | 13.1844% | 1,232 |
| Core capital (leverage) ratio | 8.9239% | 4,750 |
| Tier 1 risk-based capital ratio | 11.6519% | 4,716 |
| Total risk-based capital ratio | 12.1988% | 4,969 |
| Memoranda: | ||
| Average total assets | $17,399,813,670 | 93 |
| Average earning assets | $15,035,360,330 | 95 |
| Average equity | $2,273,718,330 | 88 |
| Average total loans | $11,238,113,670 | 93 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 3,856 |
| Cost of funding earning assets | 0.4434% | 3,259 |
| Net interest margin | 3.4840% | 3,592 |
| Noninterest income to average assets | 0.9452% | 1,033 |
| Noninterest expense to average assets | 2.6579% | 3,167 |
| Loan and lease loss provision to assets | 0.0087% | 3,404 |
| Net operating income to assets | 1.1674% | 2,147 |
| Return on assets (ROA) | 1.1821% | 2,093 |
| Pretax return on assets | 1.3046% | 2,346 |
| Return on Equity (ROE) | 9.0868% | 2,872 |
| Retained earnings to average equity (ytd only) | 6.4373% | 2,535 |
| Net charge-offs to loans | 0.0136% | 2,274 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 148.5605% | 437 |
| Efficiency ratio | 65.1102% | 3,302 |
| Assets per employee ($millions) | 7.0075% | 957 |
| Cash dividends to net income (ytd only)* | 29.1574% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4476% | 5,391 |
| Loan loss allowance to noncurrent loans | 40.8125% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 2,094 |
| Noncurrent loans to loans | 1.0967% | 1,666 |
| Net loans and leases to total assets | 64.4291% | 3,253 |
| Net loans and leases to deposits | 87.2490% | 2,023 |
| Net loans and leases to core deposits | 92.6671% | 2,245 |
| Total domestic deposits to total assets | 73.8451% | 5,172 |
| Equity capital to assets | 13.1118% | 1,187 |
| Core capital (leverage) ratio | 8.7818% | 4,914 |
| Tier 1 risk-based capital ratio | 11.6032% | 4,805 |
| Total risk-based capital ratio | 12.1312% | 5,100 |
| Memoranda: | ||
| Average total assets | $17,407,858,000 | 92 |
| Average earning assets | $15,038,886,000 | 95 |
| Average equity | $2,264,604,500 | 88 |
| Average total loans | $11,196,238,500 | 94 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,211 |
| Cost of funding earning assets | 0.3702% | 3,514 |
| Net interest margin | 3.3815% | 3,907 |
| Noninterest income to average assets | 1.1229% | 807 |
| Noninterest expense to average assets | 2.8128% | 2,728 |
| Loan and lease loss provision to assets | 0.0199% | 3,901 |
| Net operating income to assets | 0.6996% | 3,608 |
| Return on assets (ROA) | 0.7349% | 3,493 |
| Pretax return on assets | 1.2518% | 2,543 |
| Return on Equity (ROE) | 5.7139% | 3,865 |
| Retained earnings to average equity (ytd only) | 0.6510% | 4,777 |
| Net charge-offs to loans | 0.0258% | 3,287 |
| Credit loss provision to net charge-offs | 123.1328% | 2,124 |
| Earnings coverage of net charge-offs (x) | 75.4223% | 803 |
| Efficiency ratio | 67.9016% | 2,915 |
| Assets per employee ($millions) | 6.7979% | 1,057 |
| Cash dividends to net income (ytd only)* | 88.6061% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4524% | 5,443 |
| Loan loss allowance to noncurrent loans | 42.4554% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 2,171 |
| Noncurrent loans to loans | 1.0656% | 1,670 |
| Net loans and leases to total assets | 63.6271% | 3,406 |
| Net loans and leases to deposits | 87.6094% | 2,063 |
| Net loans and leases to core deposits | 92.2113% | 2,363 |
| Total domestic deposits to total assets | 72.6259% | 5,288 |
| Equity capital to assets | 12.9065% | 1,313 |
| Core capital (leverage) ratio | 8.9333% | 4,727 |
| Tier 1 risk-based capital ratio | 11.2079% | 5,033 |
| Total risk-based capital ratio | 11.7347% | 5,283 |
| Memoranda: | ||
| Average total assets | $15,357,275,000 | 96 |
| Average earning assets | $13,199,664,600 | 99 |
| Average equity | $1,975,159,000 | 90 |
| Average total loans | $9,615,109,000 | 103 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,116 |
| Cost of funding earning assets | 0.3635% | 3,520 |
| Net interest margin | 3.4047% | 3,836 |
| Noninterest income to average assets | 1.1654% | 753 |
| Noninterest expense to average assets | 2.6822% | 3,118 |
| Loan and lease loss provision to assets | 0.0181% | 3,786 |
| Net operating income to assets | 1.0421% | 2,364 |
| Return on assets (ROA) | 1.0900% | 2,190 |
| Pretax return on assets | 1.4521% | 1,937 |
| Return on Equity (ROE) | 8.4834% | 2,891 |
| Retained earnings to average equity (ytd only) | 3.2391% | 3,998 |
| Net charge-offs to loans | 0.0239% | 2,973 |
| Credit loss provision to net charge-offs | 121.8523% | 1,985 |
| Earnings coverage of net charge-offs (x) | 94.7591% | 715 |
| Efficiency ratio | 63.7500% | 3,594 |
| Assets per employee ($millions) | 6.3748% | 1,267 |
| Cash dividends to net income (ytd only)* | 61.8185% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5321% | 5,426 |
| Loan loss allowance to noncurrent loans | 41.2560% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 1,980 |
| Noncurrent loans to loans | 1.2898% | 1,484 |
| Net loans and leases to total assets | 62.6548% | 3,585 |
| Net loans and leases to deposits | 87.4733% | 2,130 |
| Net loans and leases to core deposits | 91.5478% | 2,490 |
| Total domestic deposits to total assets | 71.6274% | 5,401 |
| Equity capital to assets | 12.9188% | 1,435 |
| Core capital (leverage) ratio | 8.7112% | 5,052 |
| Tier 1 risk-based capital ratio | 11.8392% | 4,739 |
| Total risk-based capital ratio | 12.3493% | 5,081 |
| Memoranda: | ||
| Average total assets | $14,840,849,500 | 96 |
| Average earning assets | $12,741,557,250 | 102 |
| Average equity | $1,906,773,750 | 91 |
| Average total loans | $9,234,858,750 | 104 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 4,139 |
| Cost of funding earning assets | 0.3463% | 3,620 |
| Net interest margin | 3.3823% | 3,834 |
| Noninterest income to average assets | 1.1732% | 738 |
| Noninterest expense to average assets | 2.6844% | 3,146 |
| Loan and lease loss provision to assets | 0.0230% | 3,532 |
| Net operating income to assets | 1.0343% | 2,278 |
| Return on assets (ROA) | 1.0778% | 2,137 |
| Pretax return on assets | 1.4238% | 1,921 |
| Return on Equity (ROE) | 8.4043% | 2,826 |
| Retained earnings to average equity (ytd only) | 3.1350% | 3,841 |
| Net charge-offs to loans | 0.0114% | 3,060 |
| Credit loss provision to net charge-offs | 324.8092% | 909 |
| Earnings coverage of net charge-offs (x) | 196.2156% | 416 |
| Efficiency ratio | 63.9653% | 3,678 |
| Assets per employee ($millions) | 6.1648% | 1,349 |
| Cash dividends to net income (ytd only)* | 62.6975% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5506% | 5,456 |
| Loan loss allowance to noncurrent loans | 40.7152% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 1,944 |
| Noncurrent loans to loans | 1.3523% | 1,429 |
| Net loans and leases to total assets | 61.9609% | 3,636 |
| Net loans and leases to deposits | 85.2925% | 2,314 |
| Net loans and leases to core deposits | 88.9334% | 2,620 |
| Total domestic deposits to total assets | 72.6452% | 5,415 |
| Equity capital to assets | 12.9191% | 1,409 |
| Core capital (leverage) ratio | 8.6113% | 5,133 |
| Tier 1 risk-based capital ratio | 11.7270% | 4,820 |
| Total risk-based capital ratio | 12.2474% | 5,154 |
| Memoranda: | ||
| Average total assets | $14,798,442,000 | 96 |
| Average earning assets | $12,691,684,330 | 102 |
| Average equity | $1,897,797,670 | 92 |
| Average total loans | $9,170,348,330 | 104 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 3,970 |
| Cost of funding earning assets | 0.3283% | 3,766 |
| Net interest margin | 3.4125% | 3,614 |
| Noninterest income to average assets | 1.1110% | 808 |
| Noninterest expense to average assets | 2.7056% | 3,122 |
| Loan and lease loss provision to assets | 0.0094% | 3,438 |
| Net operating income to assets | 1.0000% | 2,303 |
| Return on assets (ROA) | 1.0268% | 2,236 |
| Pretax return on assets | 1.3577% | 2,037 |
| Return on Equity (ROE) | 8.0363% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.0363% | 1,446 |
| Net charge-offs to loans | 0.0141% | 2,520 |
| Credit loss provision to net charge-offs | 108.0997% | 1,492 |
| Earnings coverage of net charge-offs (x) | 153.1745% | 355 |
| Efficiency ratio | 64.9965% | 3,663 |
| Assets per employee ($millions) | 6.0969% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 5,550 |
| Loan loss allowance to noncurrent loans | 43.1841% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 2,157 |
| Noncurrent loans to loans | 1.2613% | 1,597 |
| Net loans and leases to total assets | 61.5954% | 3,590 |
| Net loans and leases to deposits | 83.4950% | 2,341 |
| Net loans and leases to core deposits | 87.1488% | 2,626 |
| Total domestic deposits to total assets | 73.7714% | 5,431 |
| Equity capital to assets | 12.9355% | 1,284 |
| Core capital (leverage) ratio | 8.7274% | 5,024 |
| Tier 1 risk-based capital ratio | 12.0305% | 4,693 |
| Total risk-based capital ratio | 12.5527% | 5,045 |
| Memoranda: | ||
| Average total assets | $14,765,955,500 | 95 |
| Average earning assets | $12,663,340,500 | 101 |
| Average equity | $1,886,590,000 | 90 |
| Average total loans | $9,125,274,500 | 102 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 3,764 |
| Cost of funding earning assets | 0.3041% | 4,024 |
| Net interest margin | 3.5403% | 3,285 |
| Noninterest income to average assets | 1.3591% | 621 |
| Noninterest expense to average assets | 3.0995% | 2,039 |
| Loan and lease loss provision to assets | 0.0071% | 4,218 |
| Net operating income to assets | 0.9328% | 2,665 |
| Return on assets (ROA) | 0.9631% | 2,629 |
| Pretax return on assets | 1.3515% | 2,096 |
| Return on Equity (ROE) | 7.4209% | 3,254 |
| Retained earnings to average equity (ytd only) | -1.7319% | 5,511 |
| Net charge-offs to loans | 0.0413% | 3,205 |
| Credit loss provision to net charge-offs | 28.3604% | 3,607 |
| Earnings coverage of net charge-offs (x) | 52.3645% | 982 |
| Efficiency ratio | 68.2156% | 3,203 |
| Assets per employee ($millions) | 5.8871% | 1,554 |
| Cash dividends to net income (ytd only)* | 123.3378% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5473% | 5,605 |
| Loan loss allowance to noncurrent loans | 39.2078% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 1,935 |
| Noncurrent loans to loans | 1.3958% | 1,464 |
| Net loans and leases to total assets | 61.3285% | 3,682 |
| Net loans and leases to deposits | 83.4844% | 2,479 |
| Net loans and leases to core deposits | 86.9207% | 2,772 |
| Total domestic deposits to total assets | 73.4610% | 5,478 |
| Equity capital to assets | 12.6176% | 1,452 |
| Core capital (leverage) ratio | 8.5536% | 5,210 |
| Tier 1 risk-based capital ratio | 11.8230% | 4,842 |
| Total risk-based capital ratio | 12.3512% | 5,174 |
| Memoranda: | ||
| Average total assets | $13,469,153,400 | 99 |
| Average earning assets | $11,628,189,800 | 101 |
| Average equity | $1,748,106,400 | 93 |
| Average total loans | $8,187,049,200 | 104 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 3,889 |
| Cost of funding earning assets | 0.3011% | 4,085 |
| Net interest margin | 3.5104% | 3,429 |
| Noninterest income to average assets | 1.2686% | 722 |
| Noninterest expense to average assets | 3.0329% | 2,220 |
| Loan and lease loss provision to assets | 0.0275% | 3,690 |
| Net operating income to assets | 0.8886% | 2,963 |
| Return on assets (ROA) | 0.9210% | 2,927 |
| Pretax return on assets | 1.2914% | 2,465 |
| Return on Equity (ROE) | 7.0414% | 3,544 |
| Retained earnings to average equity (ytd only) | -3.4260% | 5,673 |
| Net charge-offs to loans | 0.0570% | 2,548 |
| Credit loss provision to net charge-offs | 79.8354% | 2,665 |
| Earnings coverage of net charge-offs (x) | 36.9021% | 1,302 |
| Efficiency ratio | 68.4360% | 3,150 |
| Assets per employee ($millions) | 5.4416% | 1,910 |
| Cash dividends to net income (ytd only)* | 148.6555% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5749% | 5,637 |
| Loan loss allowance to noncurrent loans | 36.5491% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.1204% | 1,806 |
| Noncurrent loans to loans | 1.5731% | 1,379 |
| Net loans and leases to total assets | 61.0100% | 3,742 |
| Net loans and leases to deposits | 83.0153% | 2,598 |
| Net loans and leases to core deposits | 86.6183% | 2,893 |
| Total domestic deposits to total assets | 73.4925% | 5,477 |
| Equity capital to assets | 12.9312% | 1,525 |
| Core capital (leverage) ratio | 8.5880% | 5,276 |
| Tier 1 risk-based capital ratio | 12.1546% | 4,697 |
| Total risk-based capital ratio | 12.7285% | 5,013 |
| Memoranda: | ||
| Average total assets | $13,146,676,750 | 98 |
| Average earning assets | $11,375,643,250 | 103 |
| Average equity | $1,719,572,000 | 95 |
| Average total loans | $7,958,482,500 | 106 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7429% | 4,148 |
| Cost of funding earning assets | 0.2923% | 4,219 |
| Net interest margin | 3.4506% | 3,682 |
| Noninterest income to average assets | 1.2617% | 715 |
| Noninterest expense to average assets | 3.0143% | 2,299 |
| Loan and lease loss provision to assets | 0.0223% | 3,683 |
| Net operating income to assets | 0.8967% | 2,877 |
| Return on assets (ROA) | 0.9316% | 2,855 |
| Pretax return on assets | 1.2657% | 2,536 |
| Return on Equity (ROE) | 7.0915% | 3,489 |
| Retained earnings to average equity (ytd only) | -9.1444% | 5,863 |
| Net charge-offs to loans | 0.0482% | 2,517 |
| Credit loss provision to net charge-offs | 76.6721% | 2,403 |
| Earnings coverage of net charge-offs (x) | 42.7047% | 1,110 |
| Efficiency ratio | 68.8935% | 3,173 |
| Assets per employee ($millions) | 5.3283% | 1,955 |
| Cash dividends to net income (ytd only)* | 228.9494% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5837% | 5,704 |
| Loan loss allowance to noncurrent loans | 31.6132% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3051% | 1,548 |
| Noncurrent loans to loans | 1.8464% | 1,101 |
| Net loans and leases to total assets | 61.5341% | 3,681 |
| Net loans and leases to deposits | 83.3767% | 2,547 |
| Net loans and leases to core deposits | 86.1458% | 2,881 |
| Total domestic deposits to total assets | 73.8025% | 5,536 |
| Equity capital to assets | 12.9214% | 1,552 |
| Core capital (leverage) ratio | 8.9810% | 4,847 |
| Tier 1 risk-based capital ratio | 11.8882% | 4,906 |
| Total risk-based capital ratio | 12.4774% | 5,213 |
| Memoranda: | ||
| Average total assets | $12,658,689,670 | 101 |
| Average earning assets | $10,981,493,330 | 103 |
| Average equity | $1,662,983,670 | 97 |
| Average total loans | $7,622,811,000 | 110 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 4,282 |
| Cost of funding earning assets | 0.2917% | 4,264 |
| Net interest margin | 3.4185% | 3,809 |
| Noninterest income to average assets | 1.1984% | 761 |
| Noninterest expense to average assets | 2.9253% | 2,618 |
| Loan and lease loss provision to assets | 0.0031% | 3,627 |
| Net operating income to assets | 0.8879% | 2,818 |
| Return on assets (ROA) | 0.9213% | 2,753 |
| Pretax return on assets | 1.2879% | 2,359 |
| Return on Equity (ROE) | 6.9439% | 3,485 |
| Retained earnings to average equity (ytd only) | 6.9439% | 1,909 |
| Net charge-offs to loans | 0.0928% | 1,582 |
| Credit loss provision to net charge-offs | 5.6034% | 2,391 |
| Earnings coverage of net charge-offs (x) | 22.6429% | 1,394 |
| Efficiency ratio | 68.4039% | 3,396 |
| Assets per employee ($millions) | 5.5909% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7211% | 5,559 |
| Loan loss allowance to noncurrent loans | 42.4513% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 1.1053% | 2,001 |
| Noncurrent loans to loans | 1.6988% | 1,330 |
| Net loans and leases to total assets | 59.1943% | 3,896 |
| Net loans and leases to deposits | 80.9536% | 2,677 |
| Net loans and leases to core deposits | 83.8567% | 2,950 |
| Total domestic deposits to total assets | 73.1212% | 5,688 |
| Equity capital to assets | 13.4361% | 1,203 |
| Core capital (leverage) ratio | 9.3449% | 4,439 |
| Tier 1 risk-based capital ratio | 13.5389% | 3,954 |
| Total risk-based capital ratio | 14.2489% | 4,183 |
| Memoranda: | ||
| Average total assets | $11,818,746,000 | 105 |
| Average earning assets | $10,273,023,000 | 105 |
| Average equity | $1,568,106,000 | 101 |
| Average total loans | $6,996,758,000 | 116 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 3,683 |
| Cost of funding earning assets | 0.2388% | 4,909 |
| Net interest margin | 3.6683% | 2,870 |
| Noninterest income to average assets | 1.6064% | 500 |
| Noninterest expense to average assets | 3.2878% | 1,745 |
| Loan and lease loss provision to assets | 0.0248% | 3,890 |
| Net operating income to assets | 1.0653% | 2,066 |
| Return on assets (ROA) | 1.1003% | 1,998 |
| Pretax return on assets | 1.5261% | 1,475 |
| Return on Equity (ROE) | 8.6648% | 2,641 |
| Retained earnings to average equity (ytd only) | 4.3157% | 2,906 |
| Net charge-offs to loans | -0.0214% | 5,290 |
| Credit loss provision to net charge-offs | -200.0684% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8852% | 3,770 |
| Assets per employee ($millions) | 5.5176% | 1,790 |
| Cash dividends to net income (ytd only)* | 50.1931% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 5,537 |
| Loan loss allowance to noncurrent loans | 39.0992% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 1,787 |
| Noncurrent loans to loans | 1.9186% | 1,111 |
| Net loans and leases to total assets | 58.3378% | 4,037 |
| Net loans and leases to deposits | 81.7059% | 2,630 |
| Net loans and leases to core deposits | 83.7106% | 2,990 |
| Total domestic deposits to total assets | 71.3997% | 5,827 |
| Equity capital to assets | 13.1006% | 1,300 |
| Core capital (leverage) ratio | 9.1050% | 4,746 |
| Tier 1 risk-based capital ratio | 13.3795% | 4,065 |
| Total risk-based capital ratio | 14.1089% | 4,308 |
| Memoranda: | ||
| Average total assets | $11,769,884,600 | 104 |
| Average earning assets | $10,215,330,800 | 102 |
| Average equity | $1,494,557,400 | 100 |
| Average total loans | $6,842,421,800 | 114 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 3,413 |
| Cost of funding earning assets | 0.2294% | 5,096 |
| Net interest margin | 3.7500% | 2,564 |
| Noninterest income to average assets | 1.6078% | 488 |
| Noninterest expense to average assets | 3.3709% | 1,531 |
| Loan and lease loss provision to assets | 0.0277% | 3,696 |
| Net operating income to assets | 1.0240% | 2,360 |
| Return on assets (ROA) | 1.0570% | 2,284 |
| Pretax return on assets | 1.5073% | 1,667 |
| Return on Equity (ROE) | 8.3908% | 2,880 |
| Retained earnings to average equity (ytd only) | 3.8871% | 3,707 |
| Net charge-offs to loans | -0.0184% | 5,183 |
| Credit loss provision to net charge-offs | -260.0213% | 5,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6184% | 3,612 |
| Assets per employee ($millions) | 5.4354% | 1,843 |
| Cash dividends to net income (ytd only)* | 53.6746% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7459% | 5,633 |
| Loan loss allowance to noncurrent loans | 36.9415% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2656% | 1,847 |
| Noncurrent loans to loans | 2.0192% | 1,143 |
| Net loans and leases to total assets | 57.9250% | 4,149 |
| Net loans and leases to deposits | 78.5945% | 3,039 |
| Net loans and leases to core deposits | 80.0902% | 3,418 |
| Total domestic deposits to total assets | 73.7011% | 5,736 |
| Equity capital to assets | 13.0109% | 1,440 |
| Core capital (leverage) ratio | 8.9078% | 5,108 |
| Tier 1 risk-based capital ratio | 13.2961% | 4,256 |
| Total risk-based capital ratio | 14.0199% | 4,476 |
| Memoranda: | ||
| Average total assets | $11,750,803,000 | 105 |
| Average earning assets | $10,187,115,750 | 105 |
| Average equity | $1,480,215,750 | 103 |
| Average total loans | $6,812,263,500 | 115 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 3,705 |
| Cost of funding earning assets | 0.2188% | 5,267 |
| Net interest margin | 3.6788% | 2,804 |
| Noninterest income to average assets | 1.4740% | 585 |
| Noninterest expense to average assets | 3.4289% | 1,419 |
| Loan and lease loss provision to assets | 0.0387% | 3,343 |
| Net operating income to assets | 0.8745% | 3,018 |
| Return on assets (ROA) | 0.9133% | 2,938 |
| Pretax return on assets | 1.2488% | 2,558 |
| Return on Equity (ROE) | 7.3305% | 3,422 |
| Retained earnings to average equity (ytd only) | 0.4964% | 5,354 |
| Net charge-offs to loans | -0.0021% | 4,592 |
| Credit loss provision to net charge-offs | -3,245.7143% | 5,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6570% | 3,043 |
| Assets per employee ($millions) | 5.0672% | 2,179 |
| Cash dividends to net income (ytd only)* | 93.2279% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 5,771 |
| Loan loss allowance to noncurrent loans | 31.6234% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.4190% | 1,765 |
| Noncurrent loans to loans | 2.2723% | 1,044 |
| Net loans and leases to total assets | 58.1349% | 4,081 |
| Net loans and leases to deposits | 78.0689% | 3,014 |
| Net loans and leases to core deposits | 79.3761% | 3,455 |
| Total domestic deposits to total assets | 74.4662% | 5,753 |
| Equity capital to assets | 12.4743% | 1,675 |
| Core capital (leverage) ratio | 8.5171% | 5,512 |
| Tier 1 risk-based capital ratio | 12.0395% | 5,118 |
| Total risk-based capital ratio | 12.7025% | 5,414 |
| Memoranda: | ||
| Average total assets | $11,745,188,670 | 106 |
| Average earning assets | $10,182,301,670 | 108 |
| Average equity | $1,463,261,670 | 106 |
| Average total loans | $6,793,805,330 | 117 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 3,610 |
| Cost of funding earning assets | 0.2153% | 5,361 |
| Net interest margin | 3.6859% | 2,674 |
| Noninterest income to average assets | 1.4287% | 575 |
| Noninterest expense to average assets | 3.5436% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,702 |
| Net operating income to assets | 0.7850% | 3,340 |
| Return on assets (ROA) | 0.8506% | 3,121 |
| Pretax return on assets | 1.1698% | 2,785 |
| Return on Equity (ROE) | 6.8324% | 3,593 |
| Retained earnings to average equity (ytd only) | 1.3186% | 4,956 |
| Net charge-offs to loans | -0.0614% | 5,623 |
| Credit loss provision to net charge-offs | -0.0973% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3862% | 2,747 |
| Assets per employee ($millions) | 4.7989% | 2,626 |
| Cash dividends to net income (ytd only)* | 80.7005% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 5,883 |
| Loan loss allowance to noncurrent loans | 35.1496% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 2,083 |
| Noncurrent loans to loans | 2.0259% | 1,289 |
| Net loans and leases to total assets | 57.7287% | 3,988 |
| Net loans and leases to deposits | 75.6325% | 3,098 |
| Net loans and leases to core deposits | 77.0859% | 3,480 |
| Total domestic deposits to total assets | 76.3279% | 5,701 |
| Equity capital to assets | 12.7314% | 1,550 |
| Core capital (leverage) ratio | 8.5170% | 5,504 |
| Tier 1 risk-based capital ratio | 12.5218% | 4,891 |
| Total risk-based capital ratio | 13.1652% | 5,190 |
| Memoranda: | ||
| Average total assets | $11,653,678,500 | 106 |
| Average earning assets | $10,100,910,500 | 106 |
| Average equity | $1,450,910,500 | 105 |
| Average total loans | $6,698,384,000 | 117 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 2,420 |
| Cost of funding earning assets | 0.2179% | 5,607 |
| Net interest margin | 4.1304% | 1,490 |
| Noninterest income to average assets | 1.3492% | 668 |
| Noninterest expense to average assets | 3.5527% | 1,383 |
| Loan and lease loss provision to assets | 0.0300% | 4,009 |
| Net operating income to assets | 0.9838% | 2,461 |
| Return on assets (ROA) | 1.0514% | 2,221 |
| Pretax return on assets | 1.4419% | 1,747 |
| Return on Equity (ROE) | 9.2989% | 2,439 |
| Retained earnings to average equity (ytd only) | 3.9048% | 3,433 |
| Net charge-offs to loans | 0.0420% | 3,982 |
| Credit loss provision to net charge-offs | 129.4191% | 1,844 |
| Earnings coverage of net charge-offs (x) | 59.5416% | 800 |
| Efficiency ratio | 70.6558% | 3,435 |
| Assets per employee ($millions) | 4.7529% | 2,655 |
| Cash dividends to net income (ytd only)* | 58.0073% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 5,919 |
| Loan loss allowance to noncurrent loans | 39.5224% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 2,438 |
| Noncurrent loans to loans | 1.8532% | 1,535 |
| Net loans and leases to total assets | 56.3812% | 4,276 |
| Net loans and leases to deposits | 74.8028% | 3,338 |
| Net loans and leases to core deposits | 75.9120% | 3,715 |
| Total domestic deposits to total assets | 75.3731% | 5,815 |
| Equity capital to assets | 12.1617% | 1,893 |
| Core capital (leverage) ratio | 8.4083% | 5,654 |
| Tier 1 risk-based capital ratio | 12.3075% | 5,147 |
| Total risk-based capital ratio | 13.0245% | 5,418 |
| Memoranda: | ||
| Average total assets | $10,329,874,200 | 109 |
| Average earning assets | $8,960,613,000 | 110 |
| Average equity | $1,167,959,600 | 114 |
| Average total loans | $5,702,292,800 | 124 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 1,958 |
| Cost of funding earning assets | 0.2208% | 5,656 |
| Net interest margin | 4.2568% | 1,138 |
| Noninterest income to average assets | 1.3050% | 713 |
| Noninterest expense to average assets | 3.6298% | 1,241 |
| Loan and lease loss provision to assets | 0.0296% | 3,816 |
| Net operating income to assets | 0.9135% | 2,847 |
| Return on assets (ROA) | 0.9562% | 2,736 |
| Pretax return on assets | 1.3998% | 2,006 |
| Return on Equity (ROE) | 8.6442% | 2,877 |
| Retained earnings to average equity (ytd only) | 3.4802% | 4,153 |
| Net charge-offs to loans | 0.0265% | 3,972 |
| Credit loss provision to net charge-offs | 203.6563% | 1,246 |
| Earnings coverage of net charge-offs (x) | 94.0393% | 613 |
| Efficiency ratio | 71.4292% | 3,279 |
| Assets per employee ($millions) | 4.5887% | 2,829 |
| Cash dividends to net income (ytd only)* | 59.7388% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 5,944 |
| Loan loss allowance to noncurrent loans | 36.6678% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 1.3156% | 2,350 |
| Noncurrent loans to loans | 2.1045% | 1,488 |
| Net loans and leases to total assets | 56.2536% | 4,299 |
| Net loans and leases to deposits | 73.9001% | 3,441 |
| Net loans and leases to core deposits | 74.7544% | 3,872 |
| Total domestic deposits to total assets | 76.1212% | 5,799 |
| Equity capital to assets | 11.8589% | 2,188 |
| Core capital (leverage) ratio | 8.2199% | 5,911 |
| Tier 1 risk-based capital ratio | 11.9502% | 5,521 |
| Total risk-based capital ratio | 12.7126% | 5,742 |
| Memoranda: | ||
| Average total assets | $10,036,848,250 | 110 |
| Average earning assets | $8,703,913,250 | 113 |
| Average equity | $1,110,240,750 | 121 |
| Average total loans | $5,494,666,500 | 127 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 2,859 |
| Cost of funding earning assets | 0.2241% | 5,710 |
| Net interest margin | 4.0020% | 1,796 |
| Noninterest income to average assets | 1.2339% | 769 |
| Noninterest expense to average assets | 3.4637% | 1,546 |
| Loan and lease loss provision to assets | -0.0075% | 6,222 |
| Net operating income to assets | 0.8985% | 2,819 |
| Return on assets (ROA) | 0.9299% | 2,761 |
| Pretax return on assets | 1.2956% | 2,268 |
| Return on Equity (ROE) | 8.7329% | 2,718 |
| Retained earnings to average equity (ytd only) | 2.9157% | 4,349 |
| Net charge-offs to loans | 0.0240% | 3,716 |
| Credit loss provision to net charge-offs | -57.6190% | 5,187 |
| Earnings coverage of net charge-offs (x) | 95.6730% | 571 |
| Efficiency ratio | 72.4340% | 3,257 |
| Assets per employee ($millions) | 5.0637% | 2,134 |
| Cash dividends to net income (ytd only)* | 66.6119% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 5,903 |
| Loan loss allowance to noncurrent loans | 47.1030% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 2,828 |
| Noncurrent loans to loans | 1.7650% | 1,952 |
| Net loans and leases to total assets | 53.7936% | 4,565 |
| Net loans and leases to deposits | 72.4761% | 3,508 |
| Net loans and leases to core deposits | 73.3598% | 3,906 |
| Total domestic deposits to total assets | 74.2226% | 6,095 |
| Equity capital to assets | 10.9241% | 2,955 |
| Core capital (leverage) ratio | 7.9733% | 6,117 |
| Tier 1 risk-based capital ratio | 11.9823% | 5,551 |
| Total risk-based capital ratio | 12.7706% | 5,741 |
| Memoranda: | ||
| Average total assets | $9,686,480,000 | 111 |
| Average earning assets | $8,409,326,670 | 113 |
| Average equity | $1,031,437,670 | 129 |
| Average total loans | $5,240,788,330 | 134 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 2,460 |
| Cost of funding earning assets | 0.2269% | 5,782 |
| Net interest margin | 4.0901% | 1,489 |
| Noninterest income to average assets | 1.2402% | 716 |
| Noninterest expense to average assets | 3.3764% | 1,762 |
| Loan and lease loss provision to assets | 0.0016% | 3,806 |
| Net operating income to assets | 0.9572% | 2,374 |
| Return on assets (ROA) | 0.9704% | 2,388 |
| Pretax return on assets | 1.4319% | 1,636 |
| Return on Equity (ROE) | 9.2436% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.2436% | 1,177 |
| Net charge-offs to loans | -0.0292% | 5,542 |
| Credit loss provision to net charge-offs | -9.9730% | 4,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3655% | 3,939 |
| Assets per employee ($millions) | 4.8004% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 5,753 |
| Loan loss allowance to noncurrent loans | 49.6109% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2353% | 2,786 |
| Noncurrent loans to loans | 1.8871% | 2,015 |
| Net loans and leases to total assets | 53.5351% | 4,485 |
| Net loans and leases to deposits | 68.5518% | 3,791 |
| Net loans and leases to core deposits | 69.0296% | 4,201 |
| Total domestic deposits to total assets | 78.0943% | 5,825 |
| Equity capital to assets | 10.6693% | 3,074 |
| Core capital (leverage) ratio | 7.8690% | 6,197 |
| Tier 1 risk-based capital ratio | 12.4612% | 5,338 |
| Total risk-based capital ratio | 13.3420% | 5,514 |
| Memoranda: | ||
| Average total assets | $9,412,875,500 | 116 |
| Average earning assets | $8,170,347,000 | 115 |
| Average equity | $988,189,000 | 134 |
| Average total loans | $5,085,571,500 | 137 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 3,461 |
| Cost of funding earning assets | 0.2900% | 5,675 |
| Net interest margin | 3.8787% | 2,374 |
| Noninterest income to average assets | 1.2344% | 916 |
| Noninterest expense to average assets | 3.1134% | 2,691 |
| Loan and lease loss provision to assets | -0.0245% | 6,311 |
| Net operating income to assets | 1.0567% | 2,088 |
| Return on assets (ROA) | 1.0783% | 2,087 |
| Pretax return on assets | 1.5337% | 1,342 |
| Return on Equity (ROE) | 9.9163% | 2,150 |
| Retained earnings to average equity (ytd only) | -0.9618% | 6,055 |
| Net charge-offs to loans | 0.1030% | 3,796 |
| Credit loss provision to net charge-offs | -43.7630% | 5,778 |
| Earnings coverage of net charge-offs (x) | 26.4140% | 1,296 |
| Efficiency ratio | 66.4795% | 4,474 |
| Assets per employee ($millions) | 4.7038% | 2,582 |
| Cash dividends to net income (ytd only)* | 109.6996% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 5,836 |
| Loan loss allowance to noncurrent loans | 43.8041% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 1.3634% | 2,708 |
| Noncurrent loans to loans | 2.1138% | 1,869 |
| Net loans and leases to total assets | 53.5145% | 4,651 |
| Net loans and leases to deposits | 69.1658% | 3,888 |
| Net loans and leases to core deposits | 69.7249% | 4,311 |
| Total domestic deposits to total assets | 77.3713% | 5,917 |
| Equity capital to assets | 10.3277% | 3,367 |
| Core capital (leverage) ratio | 7.3523% | 6,425 |
| Tier 1 risk-based capital ratio | 11.7975% | 5,745 |
| Total risk-based capital ratio | 12.6736% | 5,887 |
| Memoranda: | ||
| Average total assets | $9,467,947,000 | 116 |
| Average earning assets | $8,195,147,000 | 117 |
| Average equity | $1,029,583,800 | 126 |
| Average total loans | $5,142,730,400 | 129 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 3,551 |
| Cost of funding earning assets | 0.3085% | 5,659 |
| Net interest margin | 3.8464% | 2,480 |
| Noninterest income to average assets | 1.2485% | 937 |
| Noninterest expense to average assets | 3.1384% | 2,536 |
| Loan and lease loss provision to assets | -0.0643% | 6,568 |
| Net operating income to assets | 1.0557% | 2,169 |
| Return on assets (ROA) | 1.0833% | 2,153 |
| Pretax return on assets | 1.5421% | 1,493 |
| Return on Equity (ROE) | 9.8390% | 2,251 |
| Retained earnings to average equity (ytd only) | 4.4730% | 3,488 |
| Net charge-offs to loans | 0.0743% | 3,879 |
| Credit loss provision to net charge-offs | -159.1368% | 5,857 |
| Earnings coverage of net charge-offs (x) | 35.5907% | 1,091 |
| Efficiency ratio | 67.2264% | 4,255 |
| Assets per employee ($millions) | 4.6211% | 2,683 |
| Cash dividends to net income (ytd only)* | 54.5377% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 5,972 |
| Loan loss allowance to noncurrent loans | 39.4366% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 1.5529% | 2,606 |
| Noncurrent loans to loans | 2.3612% | 1,865 |
| Net loans and leases to total assets | 52.9856% | 4,753 |
| Net loans and leases to deposits | 69.4060% | 3,868 |
| Net loans and leases to core deposits | 70.0247% | 4,321 |
| Total domestic deposits to total assets | 76.3415% | 6,135 |
| Equity capital to assets | 10.7246% | 3,041 |
| Core capital (leverage) ratio | 7.7770% | 6,338 |
| Tier 1 risk-based capital ratio | 12.5540% | 5,424 |
| Total risk-based capital ratio | 13.4452% | 5,590 |
| Memoranda: | ||
| Average total assets | $9,478,306,250 | 115 |
| Average earning assets | $8,201,657,250 | 117 |
| Average equity | $1,043,594,000 | 123 |
| Average total loans | $5,155,488,750 | 127 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 3,439 |
| Cost of funding earning assets | 0.3223% | 5,641 |
| Net interest margin | 3.8598% | 2,344 |
| Noninterest income to average assets | 1.1877% | 1,078 |
| Noninterest expense to average assets | 3.0331% | 2,896 |
| Loan and lease loss provision to assets | -0.0601% | 6,657 |
| Net operating income to assets | 1.0630% | 2,064 |
| Return on assets (ROA) | 1.1004% | 2,039 |
| Pretax return on assets | 1.6166% | 1,315 |
| Return on Equity (ROE) | 9.9080% | 2,232 |
| Retained earnings to average equity (ytd only) | 5.7248% | 2,594 |
| Net charge-offs to loans | 0.1003% | 3,359 |
| Credit loss provision to net charge-offs | -109.6650% | 5,631 |
| Earnings coverage of net charge-offs (x) | 27.3785% | 1,218 |
| Efficiency ratio | 65.4605% | 4,640 |
| Assets per employee ($millions) | 4.7920% | 2,391 |
| Cash dividends to net income (ytd only)* | 42.2208% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 5,997 |
| Loan loss allowance to noncurrent loans | 33.5990% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 1.8688% | 2,316 |
| Noncurrent loans to loans | 2.8215% | 1,603 |
| Net loans and leases to total assets | 54.2838% | 4,548 |
| Net loans and leases to deposits | 74.9324% | 3,025 |
| Net loans and leases to core deposits | 75.7539% | 3,571 |
| Total domestic deposits to total assets | 72.4437% | 6,538 |
| Equity capital to assets | 10.8929% | 2,858 |
| Core capital (leverage) ratio | 7.9117% | 6,245 |
| Tier 1 risk-based capital ratio | 12.9540% | 5,174 |
| Total risk-based capital ratio | 13.8766% | 5,350 |
| Memoranda: | ||
| Average total assets | $9,470,760,670 | 115 |
| Average earning assets | $8,212,307,670 | 118 |
| Average equity | $1,051,812,330 | 120 |
| Average total loans | $5,180,169,330 | 127 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2028% | 3,288 |
| Cost of funding earning assets | 0.3366% | 5,664 |
| Net interest margin | 3.8661% | 2,228 |
| Noninterest income to average assets | 1.1934% | 1,058 |
| Noninterest expense to average assets | 3.1013% | 2,667 |
| Loan and lease loss provision to assets | 0.0357% | 3,995 |
| Net operating income to assets | 0.9765% | 2,334 |
| Return on assets (ROA) | 1.0036% | 2,326 |
| Pretax return on assets | 1.4440% | 1,727 |
| Return on Equity (ROE) | 8.9507% | 2,508 |
| Retained earnings to average equity (ytd only) | 4.8025% | 3,356 |
| Net charge-offs to loans | 0.1646% | 2,410 |
| Credit loss provision to net charge-offs | 39.7273% | 2,752 |
| Earnings coverage of net charge-offs (x) | 16.0216% | 1,379 |
| Efficiency ratio | 66.5190% | 4,574 |
| Assets per employee ($millions) | 4.7646% | 2,548 |
| Cash dividends to net income (ytd only)* | 46.3451% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 5,822 |
| Loan loss allowance to noncurrent loans | 34.8681% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 1.9755% | 2,374 |
| Noncurrent loans to loans | 2.9911% | 1,678 |
| Net loans and leases to total assets | 53.2775% | 4,519 |
| Net loans and leases to deposits | 71.3934% | 3,263 |
| Net loans and leases to core deposits | 72.2816% | 3,785 |
| Total domestic deposits to total assets | 74.6252% | 6,495 |
| Equity capital to assets | 11.1557% | 2,791 |
| Core capital (leverage) ratio | 8.0046% | 6,140 |
| Tier 1 risk-based capital ratio | 12.9148% | 5,291 |
| Total risk-based capital ratio | 13.9618% | 5,370 |
| Memoranda: | ||
| Average total assets | $9,459,711,000 | 117 |
| Average earning assets | $8,194,226,000 | 121 |
| Average equity | $1,060,693,500 | 122 |
| Average total loans | $5,169,050,500 | 131 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 3,292 |
| Cost of funding earning assets | 0.4622% | 5,480 |
| Net interest margin | 4.0646% | 2,137 |
| Noninterest income to average assets | 1.3124% | 891 |
| Noninterest expense to average assets | 3.3891% | 2,074 |
| Loan and lease loss provision to assets | 0.0570% | 5,065 |
| Net operating income to assets | 0.9705% | 2,462 |
| Return on assets (ROA) | 1.0790% | 2,202 |
| Pretax return on assets | 1.5261% | 1,607 |
| Return on Equity (ROE) | 9.7867% | 2,267 |
| Retained earnings to average equity (ytd only) | 4.6437% | 2,949 |
| Net charge-offs to loans | 0.1691% | 4,022 |
| Credit loss provision to net charge-offs | 60.4059% | 4,434 |
| Earnings coverage of net charge-offs (x) | 15.1475% | 1,670 |
| Efficiency ratio | 69.0278% | 3,971 |
| Assets per employee ($millions) | 4.4653% | 3,025 |
| Cash dividends to net income (ytd only)* | 52.5508% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,758 |
| Loan loss allowance to noncurrent loans | 32.0683% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 2.2100% | 2,215 |
| Noncurrent loans to loans | 3.2776% | 1,565 |
| Net loans and leases to total assets | 54.8748% | 4,474 |
| Net loans and leases to deposits | 70.3746% | 3,656 |
| Net loans and leases to core deposits | 71.2774% | 4,137 |
| Total domestic deposits to total assets | 77.9753% | 6,086 |
| Equity capital to assets | 11.2706% | 2,660 |
| Core capital (leverage) ratio | 7.5663% | 6,466 |
| Tier 1 risk-based capital ratio | 12.0781% | 5,740 |
| Total risk-based capital ratio | 13.1440% | 5,807 |
| Memoranda: | ||
| Average total assets | $8,818,237,000 | 123 |
| Average earning assets | $7,608,552,400 | 122 |
| Average equity | $972,192,600 | 132 |
| Average total loans | $4,925,691,600 | 130 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 3,689 |
| Cost of funding earning assets | 0.4858% | 5,535 |
| Net interest margin | 4.0009% | 2,496 |
| Noninterest income to average assets | 1.2927% | 885 |
| Noninterest expense to average assets | 3.3542% | 2,117 |
| Loan and lease loss provision to assets | 0.0438% | 5,228 |
| Net operating income to assets | 0.9650% | 2,685 |
| Return on assets (ROA) | 1.0664% | 2,439 |
| Pretax return on assets | 1.4926% | 1,910 |
| Return on Equity (ROE) | 9.7314% | 2,485 |
| Retained earnings to average equity (ytd only) | 4.8219% | 3,495 |
| Net charge-offs to loans | 0.1688% | 3,767 |
| Credit loss provision to net charge-offs | 46.3478% | 4,486 |
| Earnings coverage of net charge-offs (x) | 14.7491% | 1,818 |
| Efficiency ratio | 69.3199% | 3,807 |
| Assets per employee ($millions) | 4.3334% | 3,202 |
| Cash dividends to net income (ytd only)* | 50.4497% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 5,929 |
| Loan loss allowance to noncurrent loans | 32.8331% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 2.2673% | 2,349 |
| Noncurrent loans to loans | 3.1735% | 1,745 |
| Net loans and leases to total assets | 56.2944% | 4,401 |
| Net loans and leases to deposits | 71.6648% | 3,658 |
| Net loans and leases to core deposits | 72.6752% | 4,175 |
| Total domestic deposits to total assets | 78.5524% | 5,956 |
| Equity capital to assets | 11.3935% | 2,855 |
| Core capital (leverage) ratio | 7.7893% | 6,474 |
| Tier 1 risk-based capital ratio | 11.4503% | 6,252 |
| Total risk-based capital ratio | 12.5897% | 6,297 |
| Memoranda: | ||
| Average total assets | $8,674,053,750 | 123 |
| Average earning assets | $7,490,721,500 | 124 |
| Average equity | $950,523,500 | 132 |
| Average total loans | $4,854,556,750 | 130 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 3,302 |
| Cost of funding earning assets | 0.5113% | 5,544 |
| Net interest margin | 4.1025% | 2,079 |
| Noninterest income to average assets | 1.4198% | 714 |
| Noninterest expense to average assets | 3.4204% | 1,982 |
| Loan and lease loss provision to assets | 0.0577% | 4,935 |
| Net operating income to assets | 1.0447% | 2,268 |
| Return on assets (ROA) | 1.1551% | 2,070 |
| Pretax return on assets | 1.6484% | 1,407 |
| Return on Equity (ROE) | 10.6949% | 2,096 |
| Retained earnings to average equity (ytd only) | 5.0211% | 3,271 |
| Net charge-offs to loans | 0.2436% | 3,110 |
| Credit loss provision to net charge-offs | 42.5987% | 4,201 |
| Earnings coverage of net charge-offs (x) | 11.4282% | 1,962 |
| Efficiency ratio | 67.5268% | 4,229 |
| Assets per employee ($millions) | 4.1967% | 3,461 |
| Cash dividends to net income (ytd only)* | 53.0515% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 5,527 |
| Loan loss allowance to noncurrent loans | 34.8950% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 2.2168% | 2,523 |
| Noncurrent loans to loans | 3.3240% | 1,755 |
| Net loans and leases to total assets | 54.5846% | 4,693 |
| Net loans and leases to deposits | 69.4239% | 3,978 |
| Net loans and leases to core deposits | 70.4233% | 4,481 |
| Total domestic deposits to total assets | 78.6251% | 6,034 |
| Equity capital to assets | 10.8951% | 3,232 |
| Core capital (leverage) ratio | 8.0294% | 6,242 |
| Tier 1 risk-based capital ratio | 12.9659% | 5,206 |
| Total risk-based capital ratio | 14.1243% | 5,248 |
| Memoranda: | ||
| Average total assets | $8,485,803,330 | 124 |
| Average earning assets | $7,341,168,000 | 125 |
| Average equity | $916,489,670 | 135 |
| Average total loans | $4,720,844,670 | 130 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 3,473 |
| Cost of funding earning assets | 0.5298% | 5,608 |
| Net interest margin | 4.0768% | 2,189 |
| Noninterest income to average assets | 1.5867% | 574 |
| Noninterest expense to average assets | 3.5849% | 1,590 |
| Loan and lease loss provision to assets | 0.0973% | 4,130 |
| Net operating income to assets | 1.0233% | 2,389 |
| Return on assets (ROA) | 1.0377% | 2,524 |
| Pretax return on assets | 1.4472% | 2,029 |
| Return on Equity (ROE) | 9.6506% | 2,536 |
| Retained earnings to average equity (ytd only) | 5.2504% | 3,400 |
| Net charge-offs to loans | 0.3559% | 2,236 |
| Credit loss provision to net charge-offs | 48.9524% | 3,306 |
| Earnings coverage of net charge-offs (x) | 7.6717% | 2,052 |
| Efficiency ratio | 68.8233% | 4,013 |
| Assets per employee ($millions) | 4.3044% | 3,389 |
| Cash dividends to net income (ytd only)* | 45.5955% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 5,495 |
| Loan loss allowance to noncurrent loans | 32.3113% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 2.4144% | 2,449 |
| Noncurrent loans to loans | 3.7071% | 1,672 |
| Net loans and leases to total assets | 54.6425% | 4,614 |
| Net loans and leases to deposits | 68.7396% | 3,920 |
| Net loans and leases to core deposits | 70.0025% | 4,417 |
| Total domestic deposits to total assets | 79.4921% | 5,978 |
| Equity capital to assets | 10.8616% | 3,072 |
| Core capital (leverage) ratio | 8.0230% | 6,239 |
| Tier 1 risk-based capital ratio | 12.8118% | 5,351 |
| Total risk-based capital ratio | 14.0028% | 5,373 |
| Memoranda: | ||
| Average total assets | $8,454,374,500 | 123 |
| Average earning assets | $7,305,077,000 | 124 |
| Average equity | $909,042,000 | 133 |
| Average total loans | $4,720,760,500 | 129 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 4,570 |
| Cost of funding earning assets | 0.7438% | 5,251 |
| Net interest margin | 3.8808% | 3,422 |
| Noninterest income to average assets | 1.4553% | 612 |
| Noninterest expense to average assets | 3.5308% | 1,911 |
| Loan and lease loss provision to assets | 0.0930% | 5,435 |
| Net operating income to assets | 0.8901% | 2,644 |
| Return on assets (ROA) | 0.9551% | 2,517 |
| Pretax return on assets | 1.3310% | 2,010 |
| Return on Equity (ROE) | 9.2512% | 2,345 |
| Retained earnings to average equity (ytd only) | 7.3234% | 1,355 |
| Net charge-offs to loans | 0.5005% | 2,990 |
| Credit loss provision to net charge-offs | 34.4029% | 5,721 |
| Earnings coverage of net charge-offs (x) | 4.9358% | 2,937 |
| Efficiency ratio | 70.9032% | 3,793 |
| Assets per employee ($millions) | 4.2702% | 3,322 |
| Cash dividends to net income (ytd only)* | 20.8385% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 5,315 |
| Loan loss allowance to noncurrent loans | 33.9649% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 2.4558% | 2,481 |
| Noncurrent loans to loans | 3.5812% | 1,785 |
| Net loans and leases to total assets | 55.6838% | 4,766 |
| Net loans and leases to deposits | 70.8733% | 3,971 |
| Net loans and leases to core deposits | 72.2509% | 4,485 |
| Total domestic deposits to total assets | 78.5682% | 6,080 |
| Equity capital to assets | 10.6434% | 3,371 |
| Core capital (leverage) ratio | 7.4241% | 6,689 |
| Tier 1 risk-based capital ratio | 12.1625% | 5,715 |
| Total risk-based capital ratio | 13.4048% | 5,701 |
| Memoranda: | ||
| Average total assets | $8,039,091,200 | 128 |
| Average earning assets | $7,062,082,600 | 127 |
| Average equity | $829,955,800 | 135 |
| Average total loans | $4,339,889,000 | 133 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 4,996 |
| Cost of funding earning assets | 0.8219% | 4,996 |
| Net interest margin | 3.7499% | 4,109 |
| Noninterest income to average assets | 1.4290% | 644 |
| Noninterest expense to average assets | 3.4666% | 2,030 |
| Loan and lease loss provision to assets | 0.1082% | 5,085 |
| Net operating income to assets | 0.8455% | 2,958 |
| Return on assets (ROA) | 0.9003% | 2,883 |
| Pretax return on assets | 1.2433% | 2,476 |
| Return on Equity (ROE) | 8.7930% | 2,693 |
| Retained earnings to average equity (ytd only) | 7.8079% | 1,588 |
| Net charge-offs to loans | 0.4167% | 3,059 |
| Credit loss provision to net charge-offs | 48.6766% | 5,060 |
| Earnings coverage of net charge-offs (x) | 5.7375% | 2,710 |
| Efficiency ratio | 71.6177% | 3,635 |
| Assets per employee ($millions) | 4.6642% | 2,667 |
| Cash dividends to net income (ytd only)* | 11.2026% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,781 |
| Loan loss allowance to noncurrent loans | 38.6716% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 2.3908% | 2,691 |
| Noncurrent loans to loans | 3.4881% | 1,972 |
| Net loans and leases to total assets | 54.5039% | 5,090 |
| Net loans and leases to deposits | 69.3685% | 4,408 |
| Net loans and leases to core deposits | 70.8203% | 4,857 |
| Total domestic deposits to total assets | 78.5715% | 6,082 |
| Equity capital to assets | 10.1971% | 4,090 |
| Core capital (leverage) ratio | 7.0828% | 6,936 |
| Tier 1 risk-based capital ratio | 11.0033% | 6,539 |
| Total risk-based capital ratio | 12.2652% | 6,516 |
| Memoranda: | ||
| Average total assets | $7,931,891,000 | 130 |
| Average earning assets | $7,007,743,750 | 127 |
| Average equity | $812,126,250 | 139 |
| Average total loans | $4,231,534,500 | 137 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 5,367 |
| Cost of funding earning assets | 0.8491% | 5,068 |
| Net interest margin | 3.6470% | 4,533 |
| Noninterest income to average assets | 1.4211% | 632 |
| Noninterest expense to average assets | 3.3756% | 2,330 |
| Loan and lease loss provision to assets | 0.1705% | 4,227 |
| Net operating income to assets | 0.8271% | 2,955 |
| Return on assets (ROA) | 0.8573% | 2,920 |
| Pretax return on assets | 1.1661% | 2,617 |
| Return on Equity (ROE) | 8.3605% | 2,780 |
| Retained earnings to average equity (ytd only) | 6.8299% | 1,956 |
| Net charge-offs to loans | 0.4295% | 2,852 |
| Credit loss provision to net charge-offs | 75.4601% | 3,902 |
| Earnings coverage of net charge-offs (x) | 5.7336% | 2,539 |
| Efficiency ratio | 70.7645% | 3,968 |
| Assets per employee ($millions) | 3.9928% | 3,769 |
| Cash dividends to net income (ytd only)* | 18.3078% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 3,319 |
| Loan loss allowance to noncurrent loans | 73.8668% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.3255% | 4,249 |
| Noncurrent loans to loans | 2.3036% | 3,096 |
| Net loans and leases to total assets | 51.4953% | 5,630 |
| Net loans and leases to deposits | 67.0908% | 4,840 |
| Net loans and leases to core deposits | 69.3457% | 5,144 |
| Total domestic deposits to total assets | 76.7546% | 6,487 |
| Equity capital to assets | 10.7025% | 3,285 |
| Core capital (leverage) ratio | 7.2302% | 6,905 |
| Tier 1 risk-based capital ratio | 11.2032% | 6,378 |
| Total risk-based capital ratio | 12.4623% | 6,367 |
| Memoranda: | ||
| Average total assets | $7,645,211,330 | 131 |
| Average earning assets | $6,813,432,330 | 132 |
| Average equity | $783,994,670 | 143 |
| Average total loans | $4,022,891,670 | 144 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 5,198 |
| Cost of funding earning assets | 0.8726% | 5,112 |
| Net interest margin | 3.6690% | 4,252 |
| Noninterest income to average assets | 1.3784% | 682 |
| Noninterest expense to average assets | 3.4353% | 2,180 |
| Loan and lease loss provision to assets | 0.1759% | 3,864 |
| Net operating income to assets | 0.7714% | 3,162 |
| Return on assets (ROA) | 0.8166% | 3,003 |
| Pretax return on assets | 1.1028% | 2,743 |
| Return on Equity (ROE) | 8.1495% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.1495% | 1,676 |
| Net charge-offs to loans | 0.2892% | 2,900 |
| Credit loss provision to net charge-offs | 115.3203% | 2,340 |
| Earnings coverage of net charge-offs (x) | 7.9815% | 1,873 |
| Efficiency ratio | 72.2489% | 3,808 |
| Assets per employee ($millions) | 3.8980% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 3,232 |
| Loan loss allowance to noncurrent loans | 79.1783% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.3292% | 4,310 |
| Noncurrent loans to loans | 2.1902% | 3,332 |
| Net loans and leases to total assets | 51.9166% | 5,595 |
| Net loans and leases to deposits | 67.7123% | 4,715 |
| Net loans and leases to core deposits | 70.3545% | 4,999 |
| Total domestic deposits to total assets | 76.6724% | 6,580 |
| Equity capital to assets | 10.3081% | 3,399 |
| Core capital (leverage) ratio | 7.0474% | 6,987 |
| Tier 1 risk-based capital ratio | 10.7451% | 6,670 |
| Total risk-based capital ratio | 12.0013% | 6,647 |
| Memoranda: | ||
| Average total assets | $7,530,919,000 | 136 |
| Average earning assets | $6,721,117,000 | 139 |
| Average equity | $754,645,000 | 146 |
| Average total loans | $3,971,927,500 | 145 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 6,472 |
| Cost of funding earning assets | 1.0495% | 5,432 |
| Net interest margin | 3.4188% | 5,558 |
| Noninterest income to average assets | 1.3763% | 770 |
| Noninterest expense to average assets | 3.3714% | 2,524 |
| Loan and lease loss provision to assets | 0.4103% | 3,646 |
| Net operating income to assets | 0.4963% | 4,114 |
| Return on assets (ROA) | 0.6370% | 3,653 |
| Pretax return on assets | 0.7936% | 3,661 |
| Return on Equity (ROE) | 7.0681% | 3,080 |
| Retained earnings to average equity (ytd only) | 3.5211% | 3,391 |
| Net charge-offs to loans | 0.7424% | 2,797 |
| Credit loss provision to net charge-offs | 109.9429% | 4,011 |
| Earnings coverage of net charge-offs (x) | 2.7549% | 3,699 |
| Efficiency ratio | 75.3439% | 3,142 |
| Assets per employee ($millions) | 3.7227% | 4,413 |
| Cash dividends to net income (ytd only)* | 50.1840% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9289% | 2,471 |
| Loan loss allowance to noncurrent loans | 101.1074% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.0742% | 4,858 |
| Noncurrent loans to loans | 1.9077% | 3,677 |
| Net loans and leases to total assets | 51.6245% | 5,969 |
| Net loans and leases to deposits | 66.8858% | 5,276 |
| Net loans and leases to core deposits | 68.9612% | 5,559 |
| Total domestic deposits to total assets | 77.1831% | 6,455 |
| Equity capital to assets | 9.7000% | 4,134 |
| Core capital (leverage) ratio | 7.3697% | 6,807 |
| Tier 1 risk-based capital ratio | 11.1743% | 6,199 |
| Total risk-based capital ratio | 12.4331% | 6,171 |
| Memoranda: | ||
| Average total assets | $7,508,152,400 | 137 |
| Average earning assets | $6,639,379,600 | 138 |
| Average equity | $676,613,600 | 154 |
| Average total loans | $3,774,490,200 | 146 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 6,621 |
| Cost of funding earning assets | 1.0815% | 5,542 |
| Net interest margin | 3.4107% | 5,632 |
| Noninterest income to average assets | 1.3641% | 727 |
| Noninterest expense to average assets | 3.3310% | 2,483 |
| Loan and lease loss provision to assets | 0.4156% | 3,411 |
| Net operating income to assets | 0.5072% | 4,281 |
| Return on assets (ROA) | 0.6436% | 3,849 |
| Pretax return on assets | 0.7883% | 3,955 |
| Return on Equity (ROE) | 7.2716% | 3,218 |
| Retained earnings to average equity (ytd only) | 3.7059% | 3,854 |
| Net charge-offs to loans | 0.7434% | 2,567 |
| Credit loss provision to net charge-offs | 112.4573% | 3,753 |
| Earnings coverage of net charge-offs (x) | 2.8076% | 3,736 |
| Efficiency ratio | 74.9573% | 3,154 |
| Assets per employee ($millions) | 3.6648% | 4,575 |
| Cash dividends to net income (ytd only)* | 49.0356% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9464% | 2,361 |
| Loan loss allowance to noncurrent loans | 101.3229% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 5,027 |
| Noncurrent loans to loans | 1.9210% | 3,776 |
| Net loans and leases to total assets | 49.4154% | 6,384 |
| Net loans and leases to deposits | 66.6653% | 5,583 |
| Net loans and leases to core deposits | 68.9544% | 5,846 |
| Total domestic deposits to total assets | 74.1246% | 6,909 |
| Equity capital to assets | 9.5580% | 4,759 |
| Core capital (leverage) ratio | 7.0781% | 7,124 |
| Tier 1 risk-based capital ratio | 10.7027% | 6,632 |
| Total risk-based capital ratio | 12.6021% | 6,044 |
| Memoranda: | ||
| Average total assets | $7,604,789,250 | 136 |
| Average earning assets | $6,699,357,000 | 136 |
| Average equity | $673,067,250 | 152 |
| Average total loans | $3,780,911,750 | 144 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 6,615 |
| Cost of funding earning assets | 1.1156% | 5,594 |
| Net interest margin | 3.4239% | 5,543 |
| Noninterest income to average assets | 1.3473% | 696 |
| Noninterest expense to average assets | 3.3185% | 2,507 |
| Loan and lease loss provision to assets | 0.4502% | 3,074 |
| Net operating income to assets | 0.4709% | 4,458 |
| Return on assets (ROA) | 0.6025% | 4,006 |
| Pretax return on assets | 0.7394% | 4,109 |
| Return on Equity (ROE) | 6.9852% | 3,308 |
| Retained earnings to average equity (ytd only) | 3.3658% | 3,967 |
| Net charge-offs to loans | 0.7866% | 2,278 |
| Credit loss provision to net charge-offs | 115.6277% | 3,509 |
| Earnings coverage of net charge-offs (x) | 2.6383% | 3,677 |
| Efficiency ratio | 75.0566% | 3,251 |
| Assets per employee ($millions) | 3.6600% | 4,568 |
| Cash dividends to net income (ytd only)* | 51.8157% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 2,362 |
| Loan loss allowance to noncurrent loans | 103.5893% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 5,139 |
| Noncurrent loans to loans | 1.8564% | 3,926 |
| Net loans and leases to total assets | 48.5421% | 6,585 |
| Net loans and leases to deposits | 64.7395% | 5,946 |
| Net loans and leases to core deposits | 67.3807% | 6,107 |
| Total domestic deposits to total assets | 74.9806% | 6,857 |
| Equity capital to assets | 9.0177% | 5,418 |
| Core capital (leverage) ratio | 6.8061% | 7,279 |
| Tier 1 risk-based capital ratio | 10.4920% | 6,694 |
| Total risk-based capital ratio | 12.3837% | 6,096 |
| Memoranda: | ||
| Average total assets | $7,687,985,000 | 133 |
| Average earning assets | $6,732,758,670 | 135 |
| Average equity | $663,086,670 | 152 |
| Average total loans | $3,805,632,000 | 144 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 6,522 |
| Cost of funding earning assets | 1.1610% | 5,601 |
| Net interest margin | 3.4522% | 5,363 |
| Noninterest income to average assets | 1.2965% | 718 |
| Noninterest expense to average assets | 3.3243% | 2,453 |
| Loan and lease loss provision to assets | 0.4799% | 2,583 |
| Net operating income to assets | 0.4008% | 4,834 |
| Return on assets (ROA) | 0.5322% | 4,358 |
| Pretax return on assets | 0.6293% | 4,494 |
| Return on Equity (ROE) | 6.3107% | 3,719 |
| Retained earnings to average equity (ytd only) | 2.6421% | 4,560 |
| Net charge-offs to loans | 0.7016% | 2,095 |
| Credit loss provision to net charge-offs | 138.1737% | 2,560 |
| Earnings coverage of net charge-offs (x) | 2.7486% | 3,171 |
| Efficiency ratio | 76.3148% | 3,163 |
| Assets per employee ($millions) | 3.6272% | 4,751 |
| Cash dividends to net income (ytd only)* | 58.1339% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 2,409 |
| Loan loss allowance to noncurrent loans | 103.7145% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0182% | 5,124 |
| Noncurrent loans to loans | 1.8417% | 4,006 |
| Net loans and leases to total assets | 48.2448% | 6,653 |
| Net loans and leases to deposits | 64.7146% | 5,969 |
| Net loans and leases to core deposits | 67.6531% | 6,133 |
| Total domestic deposits to total assets | 74.5501% | 6,976 |
| Equity capital to assets | 8.6088% | 5,858 |
| Core capital (leverage) ratio | 6.3903% | 7,503 |
| Tier 1 risk-based capital ratio | 9.6745% | 7,222 |
| Total risk-based capital ratio | 11.5374% | 6,807 |
| Memoranda: | ||
| Average total assets | $7,756,706,500 | 133 |
| Average earning assets | $6,701,040,500 | 138 |
| Average equity | $654,185,500 | 154 |
| Average total loans | $3,839,922,000 | 145 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 6,789 |
| Cost of funding earning assets | 1.4045% | 5,919 |
| Net interest margin | 3.4627% | 5,116 |
| Noninterest income to average assets | 1.3639% | 790 |
| Noninterest expense to average assets | 3.5481% | 2,277 |
| Loan and lease loss provision to assets | 0.8083% | 2,709 |
| Net operating income to assets | 0.2743% | 4,629 |
| Return on assets (ROA) | 0.2972% | 4,622 |
| Pretax return on assets | 0.1134% | 5,191 |
| Return on Equity (ROE) | 3.5699% | 4,263 |
| Retained earnings to average equity (ytd only) | -8.6809% | 6,410 |
| Net charge-offs to loans | 1.3838% | 1,813 |
| Credit loss provision to net charge-offs | 104.2379% | 5,305 |
| Earnings coverage of net charge-offs (x) | 1.1592% | 4,965 |
| Efficiency ratio | 78.6433% | 3,103 |
| Assets per employee ($millions) | 3.5743% | 4,836 |
| Cash dividends to net income (ytd only)* | 343.1709% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 2,620 |
| Loan loss allowance to noncurrent loans | 98.5082% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.9906% | 5,126 |
| Noncurrent loans to loans | 1.8043% | 3,924 |
| Net loans and leases to total assets | 48.9321% | 6,732 |
| Net loans and leases to deposits | 64.7348% | 6,185 |
| Net loans and leases to core deposits | 72.7497% | 6,607 |
| Total domestic deposits to total assets | 75.5886% | 6,761 |
| Equity capital to assets | 8.2628% | 6,258 |
| Core capital (leverage) ratio | 6.9684% | 7,268 |
| Tier 1 risk-based capital ratio | 10.3621% | 6,530 |
| Total risk-based capital ratio | 12.2073% | 5,924 |
| Memoranda: | ||
| Average total assets | $7,845,026,200 | 129 |
| Average earning assets | $6,984,947,200 | 127 |
| Average equity | $653,018,600 | 151 |
| Average total loans | $4,396,056,000 | 135 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 6,831 |
| Cost of funding earning assets | 1.4376% | 6,092 |
| Net interest margin | 3.4857% | 4,920 |
| Noninterest income to average assets | 1.3620% | 813 |
| Noninterest expense to average assets | 3.4691% | 2,359 |
| Loan and lease loss provision to assets | 0.7062% | 2,611 |
| Net operating income to assets | 0.4027% | 4,392 |
| Return on assets (ROA) | 0.4988% | 4,084 |
| Pretax return on assets | 0.4143% | 4,762 |
| Return on Equity (ROE) | 5.9818% | 3,538 |
| Retained earnings to average equity (ytd only) | -8.2844% | 6,631 |
| Net charge-offs to loans | 1.1511% | 1,759 |
| Credit loss provision to net charge-offs | 106.5351% | 4,774 |
| Earnings coverage of net charge-offs (x) | 1.5454% | 4,629 |
| Efficiency ratio | 76.1305% | 3,488 |
| Assets per employee ($millions) | 3.4660% | 5,012 |
| Cash dividends to net income (ytd only)* | 238.4927% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 2,662 |
| Loan loss allowance to noncurrent loans | 90.8898% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0508% | 4,975 |
| Noncurrent loans to loans | 1.8607% | 3,826 |
| Net loans and leases to total assets | 52.9577% | 6,504 |
| Net loans and leases to deposits | 70.5005% | 5,845 |
| Net loans and leases to core deposits | 79.8322% | 6,367 |
| Total domestic deposits to total assets | 75.1168% | 6,750 |
| Equity capital to assets | 8.7809% | 5,833 |
| Core capital (leverage) ratio | 7.0223% | 7,420 |
| Tier 1 risk-based capital ratio | 9.9617% | 7,014 |
| Total risk-based capital ratio | 12.3509% | 5,805 |
| Memoranda: | ||
| Average total assets | $7,844,912,250 | 133 |
| Average earning assets | $7,048,019,250 | 133 |
| Average equity | $654,209,000 | 153 |
| Average total loans | $4,517,962,750 | 140 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 6,899 |
| Cost of funding earning assets | 1.4548% | 6,309 |
| Net interest margin | 3.5030% | 4,788 |
| Noninterest income to average assets | 1.3578% | 828 |
| Noninterest expense to average assets | 3.4174% | 2,573 |
| Loan and lease loss provision to assets | 0.7416% | 2,209 |
| Net operating income to assets | 0.4161% | 4,440 |
| Return on assets (ROA) | 0.5579% | 3,961 |
| Pretax return on assets | 0.4982% | 4,622 |
| Return on Equity (ROE) | 6.8060% | 3,284 |
| Retained earnings to average equity (ytd only) | -11.6786% | 7,030 |
| Net charge-offs to loans | 1.1284% | 1,612 |
| Credit loss provision to net charge-offs | 111.7909% | 4,142 |
| Earnings coverage of net charge-offs (x) | 1.6551% | 4,301 |
| Efficiency ratio | 74.7507% | 3,917 |
| Assets per employee ($millions) | 3.5050% | 4,807 |
| Cash dividends to net income (ytd only)* | 271.5915% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 2,988 |
| Loan loss allowance to noncurrent loans | 87.4191% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.0740% | 4,815 |
| Noncurrent loans to loans | 1.7608% | 3,864 |
| Net loans and leases to total assets | 57.0433% | 6,083 |
| Net loans and leases to deposits | 76.9024% | 5,037 |
| Net loans and leases to core deposits | 86.8149% | 5,826 |
| Total domestic deposits to total assets | 74.1762% | 6,930 |
| Equity capital to assets | 8.1340% | 6,589 |
| Core capital (leverage) ratio | 6.7559% | 7,680 |
| Tier 1 risk-based capital ratio | 9.8186% | 7,113 |
| Total risk-based capital ratio | 12.1763% | 5,898 |
| Memoranda: | ||
| Average total assets | $7,919,276,670 | 137 |
| Average earning assets | $7,138,171,330 | 135 |
| Average equity | $649,190,000 | 157 |
| Average total loans | $4,655,356,670 | 141 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 7,163 |
| Cost of funding earning assets | 1.4723% | 6,494 |
| Net interest margin | 3.4338% | 4,996 |
| Noninterest income to average assets | 1.1930% | 1,019 |
| Noninterest expense to average assets | 3.1515% | 3,190 |
| Loan and lease loss provision to assets | 0.8699% | 1,507 |
| Net operating income to assets | 0.3578% | 5,030 |
| Return on assets (ROA) | 0.5180% | 4,536 |
| Pretax return on assets | 0.4257% | 5,323 |
| Return on Equity (ROE) | 6.2944% | 3,908 |
| Retained earnings to average equity (ytd only) | -24.2579% | 7,753 |
| Net charge-offs to loans | 1.0717% | 1,270 |
| Credit loss provision to net charge-offs | 137.1057% | 2,961 |
| Earnings coverage of net charge-offs (x) | 1.7896% | 3,837 |
| Efficiency ratio | 72.9239% | 4,019 |
| Assets per employee ($millions) | 4.3417% | 2,997 |
| Cash dividends to net income (ytd only)* | 485.3898% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 2,751 |
| Loan loss allowance to noncurrent loans | 89.6419% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.0489% | 4,592 |
| Noncurrent loans to loans | 1.7203% | 3,681 |
| Net loans and leases to total assets | 55.7451% | 6,274 |
| Net loans and leases to deposits | 77.7977% | 4,959 |
| Net loans and leases to core deposits | 87.8438% | 5,754 |
| Total domestic deposits to total assets | 71.6540% | 7,258 |
| Equity capital to assets | 7.7803% | 7,095 |
| Core capital (leverage) ratio | 6.9305% | 7,675 |
| Tier 1 risk-based capital ratio | 9.4424% | 7,475 |
| Total risk-based capital ratio | 11.7691% | 6,288 |
| Memoranda: | ||
| Average total assets | $7,955,020,000 | 139 |
| Average earning assets | $7,167,731,000 | 137 |
| Average equity | $654,615,500 | 151 |
| Average total loans | $4,709,724,000 | 142 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7766% | 6,515 |
| Cost of funding earning assets | 1.9759% | 6,492 |
| Net interest margin | 3.8007% | 4,012 |
| Noninterest income to average assets | 1.3340% | 811 |
| Noninterest expense to average assets | 3.1450% | 3,534 |
| Loan and lease loss provision to assets | 0.6799% | 2,139 |
| Net operating income to assets | 0.8429% | 3,255 |
| Return on assets (ROA) | 0.9348% | 2,710 |
| Pretax return on assets | 1.0192% | 3,318 |
| Return on Equity (ROE) | 10.1351% | 2,213 |
| Retained earnings to average equity (ytd only) | -1.3244% | 5,688 |
| Net charge-offs to loans | 0.8657% | 1,445 |
| Credit loss provision to net charge-offs | 125.9151% | 4,240 |
| Earnings coverage of net charge-offs (x) | 2.9615% | 4,607 |
| Efficiency ratio | 65.8155% | 5,163 |
| Assets per employee ($millions) | 4.1135% | 3,286 |
| Cash dividends to net income (ytd only)* | 113.0678% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 3,198 |
| Loan loss allowance to noncurrent loans | 99.9104% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8966% | 4,606 |
| Noncurrent loans to loans | 1.4011% | 3,712 |
| Net loans and leases to total assets | 61.0858% | 5,758 |
| Net loans and leases to deposits | 86.3848% | 4,056 |
| Net loans and leases to core deposits | 96.0734% | 5,251 |
| Total domestic deposits to total assets | 70.7135% | 7,201 |
| Equity capital to assets | 8.7058% | 5,798 |
| Core capital (leverage) ratio | 8.2110% | 6,148 |
| Tier 1 risk-based capital ratio | 11.0649% | 5,669 |
| Total risk-based capital ratio | 13.4145% | 4,585 |
| Memoranda: | ||
| Average total assets | $7,569,026,800 | 137 |
| Average earning assets | $6,791,216,200 | 138 |
| Average equity | $698,109,000 | 149 |
| Average total loans | $4,721,319,800 | 142 |