Home > Republic Bank & Trust Company > Performance and Condition Ratios
Republic Bank & Trust Company, 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 | 6.1986% | 492 |
| Cost of funding earning assets | 1.1733% | 2,875 |
| Net interest margin | 5.0253% | 308 |
| Noninterest income to average assets | 1.1400% | 523 |
| Noninterest expense to average assets | 3.1872% | 837 |
| Loan and lease loss provision to assets | 0.7600% | 100 |
| Net operating income to assets | 1.4381% | 1,144 |
| Return on assets (ROA) | 1.4383% | 1,113 |
| Pretax return on assets | 1.8064% | 882 |
| Return on Equity (ROE) | 10.6000% | 2,331 |
| Retained earnings to average equity (ytd only) | 4.9317% | 2,620 |
| Net charge-offs to loans | 0.7289% | 139 |
| Credit loss provision to net charge-offs | 131.8384% | 1,582 |
| Earnings coverage of net charge-offs (x) | 4.4427% | 2,589 |
| Efficiency ratio | 55.2434% | 3,575 |
| Assets per employee ($millions) | 6.4640% | 2,442 |
| Cash dividends to net income (ytd only)* | 53.4551% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 918 |
| Loan loss allowance to noncurrent loans | 398.3219% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 1,614 |
| Noncurrent loans to loans | 0.3915% | 1,812 |
| Net loans and leases to total assets | 78.7200% | 795 |
| Net loans and leases to deposits | 101.8696% | 440 |
| Net loans and leases to core deposits | 110.3787% | 947 |
| Total domestic deposits to total assets | 77.2800% | 3,812 |
| Equity capital to assets | 13.2918% | 800 |
| Core capital (leverage) ratio | 13.2471% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4950% | 1,393 |
| Memoranda: | ||
| Average total assets | $6,243,350,400 | 235 |
| Average earning assets | $5,735,748,400 | 233 |
| Average equity | $847,472,600 | 184 |
| Average total loans | $4,956,008,200 | 203 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2482% | 391 |
| Cost of funding earning assets | 1.0211% | 2,978 |
| Net interest margin | 5.2270% | 248 |
| Noninterest income to average assets | 1.2300% | 483 |
| Noninterest expense to average assets | 3.2932% | 731 |
| Loan and lease loss provision to assets | 0.8000% | 88 |
| Net operating income to assets | 1.5245% | 1,073 |
| Return on assets (ROA) | 1.5246% | 1,063 |
| Pretax return on assets | 1.9381% | 824 |
| Return on Equity (ROE) | 11.1700% | 2,331 |
| Retained earnings to average equity (ytd only) | 5.4589% | 2,792 |
| Net charge-offs to loans | 0.8934% | 101 |
| Credit loss provision to net charge-offs | 112.0713% | 1,535 |
| Earnings coverage of net charge-offs (x) | 3.8614% | 2,426 |
| Efficiency ratio | 54.5496% | 3,541 |
| Assets per employee ($millions) | 6.1795% | 2,588 |
| Cash dividends to net income (ytd only)* | 51.1284% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,221 |
| Loan loss allowance to noncurrent loans | 389.3698% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 1,733 |
| Noncurrent loans to loans | 0.3751% | 1,890 |
| Net loans and leases to total assets | 78.9000% | 768 |
| Net loans and leases to deposits | 104.2481% | 347 |
| Net loans and leases to core deposits | 113.8249% | 735 |
| Total domestic deposits to total assets | 75.6800% | 4,040 |
| Equity capital to assets | 13.4429% | 732 |
| Core capital (leverage) ratio | 13.4167% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6848% | 1,384 |
| Memoranda: | ||
| Average total assets | $6,157,493,750 | 239 |
| Average earning assets | $5,652,509,000 | 239 |
| Average equity | $840,464,750 | 187 |
| Average total loans | $4,878,204,000 | 206 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4182% | 280 |
| Cost of funding earning assets | 0.7969% | 3,212 |
| Net interest margin | 5.6213% | 155 |
| Noninterest income to average assets | 1.3900% | 359 |
| Noninterest expense to average assets | 3.4242% | 587 |
| Loan and lease loss provision to assets | 1.0900% | 60 |
| Net operating income to assets | 1.5887% | 967 |
| Return on assets (ROA) | 1.5888% | 965 |
| Pretax return on assets | 2.0345% | 711 |
| Return on Equity (ROE) | 11.5800% | 2,279 |
| Retained earnings to average equity (ytd only) | 5.8295% | 2,687 |
| Net charge-offs to loans | 1.3049% | 64 |
| Credit loss provision to net charge-offs | 105.0204% | 1,408 |
| Earnings coverage of net charge-offs (x) | 3.0343% | 2,285 |
| Efficiency ratio | 52.2172% | 3,758 |
| Assets per employee ($millions) | 6.1003% | 2,626 |
| Cash dividends to net income (ytd only)* | 49.6545% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,447 |
| Loan loss allowance to noncurrent loans | 413.1258% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 1,725 |
| Noncurrent loans to loans | 0.3441% | 1,901 |
| Net loans and leases to total assets | 78.6900% | 767 |
| Net loans and leases to deposits | 105.0106% | 333 |
| Net loans and leases to core deposits | 115.5603% | 635 |
| Total domestic deposits to total assets | 74.9300% | 4,127 |
| Equity capital to assets | 13.2966% | 751 |
| Core capital (leverage) ratio | 13.4866% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6938% | 1,384 |
| Memoranda: | ||
| Average total assets | $6,084,240,333 | 236 |
| Average earning assets | $5,582,846,333 | 236 |
| Average equity | $834,856,333 | 181 |
| Average total loans | $4,802,284,667 | 204 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3589% | 87 |
| Cost of funding earning assets | 0.5666% | 3,484 |
| Net interest margin | 6.7924% | 59 |
| Noninterest income to average assets | 1.5300% | 320 |
| Noninterest expense to average assets | 3.5390% | 514 |
| Loan and lease loss provision to assets | 1.8200% | 41 |
| Net operating income to assets | 1.8570% | 608 |
| Return on assets (ROA) | 1.8571% | 598 |
| Pretax return on assets | 2.3982% | 415 |
| Return on Equity (ROE) | 13.3100% | 1,925 |
| Retained earnings to average equity (ytd only) | 7.5251% | 2,357 |
| Net charge-offs to loans | 0.2276% | 328 |
| Credit loss provision to net charge-offs | 1,008.4024% | 350 |
| Earnings coverage of net charge-offs (x) | 23.5938% | 1,404 |
| Efficiency ratio | 45.6521% | 4,238 |
| Assets per employee ($millions) | 5.8822% | 2,863 |
| Cash dividends to net income (ytd only)* | 43.4767% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0055% | 433 |
| Loan loss allowance to noncurrent loans | 578.6239% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 1,669 |
| Noncurrent loans to loans | 0.3466% | 1,904 |
| Net loans and leases to total assets | 77.4400% | 826 |
| Net loans and leases to deposits | 97.0152% | 599 |
| Net loans and leases to core deposits | 107.0437% | 796 |
| Total domestic deposits to total assets | 79.8300% | 3,782 |
| Equity capital to assets | 13.8413% | 614 |
| Core capital (leverage) ratio | 13.2974% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4857% | 1,265 |
| Memoranda: | ||
| Average total assets | $5,945,039,000 | 250 |
| Average earning assets | $5,448,398,000 | 243 |
| Average equity | $829,276,000 | 187 |
| Average total loans | $4,663,976,000 | 216 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 981 |
| Cost of funding earning assets | 0.1334% | 4,214 |
| Net interest margin | 4.2084% | 520 |
| Noninterest income to average assets | 1.5100% | 342 |
| Noninterest expense to average assets | 3.1272% | 803 |
| Loan and lease loss provision to assets | 0.3700% | 191 |
| Net operating income to assets | 1.4800% | 933 |
| Return on assets (ROA) | 1.4772% | 901 |
| Pretax return on assets | 1.9031% | 583 |
| Return on Equity (ROE) | 11.0100% | 2,477 |
| Retained earnings to average equity (ytd only) | 3.8875% | 3,434 |
| Net charge-offs to loans | 0.3724% | 204 |
| Credit loss provision to net charge-offs | 135.2589% | 1,370 |
| Earnings coverage of net charge-offs (x) | 8.3552% | 2,268 |
| Efficiency ratio | 57.8529% | 3,360 |
| Assets per employee ($millions) | 5.8362% | 2,914 |
| Cash dividends to net income (ytd only)* | 64.6932% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,067 |
| Loan loss allowance to noncurrent loans | 431.4522% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 1,624 |
| Noncurrent loans to loans | 0.3599% | 1,852 |
| Net loans and leases to total assets | 76.6500% | 945 |
| Net loans and leases to deposits | 97.6061% | 548 |
| Net loans and leases to core deposits | 106.4749% | 731 |
| Total domestic deposits to total assets | 78.5300% | 4,041 |
| Equity capital to assets | 14.0637% | 571 |
| Core capital (leverage) ratio | 14.0912% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2335% | 1,096 |
| Memoranda: | ||
| Average total assets | $6,069,261,600 | 239 |
| Average earning assets | $5,617,285,200 | 232 |
| Average equity | $814,242,800 | 190 |
| Average total loans | $4,443,738,400 | 212 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 1,016 |
| Cost of funding earning assets | 0.0951% | 4,321 |
| Net interest margin | 4.0305% | 607 |
| Noninterest income to average assets | 1.7100% | 314 |
| Noninterest expense to average assets | 3.1444% | 735 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 1.5329% | 771 |
| Return on assets (ROA) | 1.5291% | 766 |
| Pretax return on assets | 1.9740% | 489 |
| Return on Equity (ROE) | 11.5500% | 2,190 |
| Retained earnings to average equity (ytd only) | 3.9936% | 3,447 |
| Net charge-offs to loans | 0.4282% | 147 |
| Credit loss provision to net charge-offs | 102.4086% | 1,305 |
| Earnings coverage of net charge-offs (x) | 7.4383% | 2,070 |
| Efficiency ratio | 57.7863% | 3,407 |
| Assets per employee ($millions) | 5.9361% | 2,823 |
| Cash dividends to net income (ytd only)* | 65.4264% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 1,275 |
| Loan loss allowance to noncurrent loans | 396.8397% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 1,745 |
| Noncurrent loans to loans | 0.3792% | 1,872 |
| Net loans and leases to total assets | 70.9400% | 1,397 |
| Net loans and leases to deposits | 87.9589% | 1,039 |
| Net loans and leases to core deposits | 95.7211% | 1,019 |
| Total domestic deposits to total assets | 80.6500% | 4,033 |
| Equity capital to assets | 13.5042% | 616 |
| Core capital (leverage) ratio | 13.6629% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9237% | 1,003 |
| Memoranda: | ||
| Average total assets | $6,130,497,500 | 237 |
| Average earning assets | $5,679,839,500 | 232 |
| Average equity | $811,551,250 | 188 |
| Average total loans | $4,420,883,750 | 211 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 860 |
| Cost of funding earning assets | 0.0711% | 4,451 |
| Net interest margin | 3.9775% | 518 |
| Noninterest income to average assets | 2.0394% | 228 |
| Noninterest expense to average assets | 3.1738% | 658 |
| Loan and lease loss provision to assets | 0.4202% | 135 |
| Net operating income to assets | 1.6567% | 480 |
| Return on assets (ROA) | 1.6510% | 475 |
| Pretax return on assets | 2.1208% | 279 |
| Return on Equity (ROE) | 12.5533% | 1,509 |
| Retained earnings to average equity (ytd only) | 4.1836% | 3,017 |
| Net charge-offs to loans | 0.5846% | 112 |
| Credit loss provision to net charge-offs | 99.0173% | 1,310 |
| Earnings coverage of net charge-offs (x) | 6.0424% | 1,914 |
| Efficiency ratio | 55.4663% | 3,829 |
| Assets per employee ($millions) | 5.9828% | 2,760 |
| Cash dividends to net income (ytd only)* | 66.6732% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,506 |
| Loan loss allowance to noncurrent loans | 397.5879% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 1,829 |
| Noncurrent loans to loans | 0.3682% | 2,043 |
| Net loans and leases to total assets | 71.0820% | 1,196 |
| Net loans and leases to deposits | 89.3425% | 758 |
| Net loans and leases to core deposits | 96.6950% | 804 |
| Total domestic deposits to total assets | 79.5613% | 4,262 |
| Equity capital to assets | 13.3129% | 611 |
| Core capital (leverage) ratio | 13.1809% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5073% | 1,076 |
| Memoranda: | ||
| Average total assets | $6,177,490,000 | 227 |
| Average earning assets | $5,719,401,000 | 230 |
| Average equity | $812,456,000 | 188 |
| Average total loans | $4,456,506,333 | 206 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 369 |
| Cost of funding earning assets | 0.0656% | 4,490 |
| Net interest margin | 4.3458% | 218 |
| Noninterest income to average assets | 2.0654% | 231 |
| Noninterest expense to average assets | 3.2138% | 592 |
| Loan and lease loss provision to assets | 0.5930% | 75 |
| Net operating income to assets | 1.7743% | 348 |
| Return on assets (ROA) | 1.7682% | 352 |
| Pretax return on assets | 2.2777% | 236 |
| Return on Equity (ROE) | 13.5260% | 929 |
| Retained earnings to average equity (ytd only) | 2.6950% | 3,366 |
| Net charge-offs to loans | 0.1922% | 319 |
| Credit loss provision to net charge-offs | 428.6444% | 563 |
| Earnings coverage of net charge-offs (x) | 20.7632% | 1,268 |
| Efficiency ratio | 52.7520% | 4,140 |
| Assets per employee ($millions) | 6.0977% | 2,715 |
| Cash dividends to net income (ytd only)* | 80.0757% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,214 |
| Loan loss allowance to noncurrent loans | 422.3506% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 1,940 |
| Noncurrent loans to loans | 0.3840% | 2,109 |
| Net loans and leases to total assets | 68.5439% | 1,159 |
| Net loans and leases to deposits | 84.9023% | 815 |
| Net loans and leases to core deposits | 93.5091% | 752 |
| Total domestic deposits to total assets | 80.7327% | 4,226 |
| Equity capital to assets | 12.7362% | 750 |
| Core capital (leverage) ratio | 12.6498% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4947% | 1,146 |
| Memoranda: | ||
| Average total assets | $6,215,019,500 | 230 |
| Average earning assets | $5,758,710,000 | 232 |
| Average equity | $812,478,000 | 193 |
| Average total loans | $4,483,668,500 | 205 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 1,591 |
| Cost of funding earning assets | 0.0892% | 4,463 |
| Net interest margin | 3.8182% | 970 |
| Noninterest income to average assets | 1.4509% | 531 |
| Noninterest expense to average assets | 2.9989% | 984 |
| Loan and lease loss provision to assets | 0.2393% | 404 |
| Net operating income to assets | 1.3846% | 1,334 |
| Return on assets (ROA) | 1.3838% | 1,389 |
| Pretax return on assets | 1.7666% | 984 |
| Return on Equity (ROE) | 10.8353% | 2,225 |
| Retained earnings to average equity (ytd only) | 7.4581% | 1,740 |
| Net charge-offs to loans | 0.2468% | 374 |
| Credit loss provision to net charge-offs | 130.7113% | 1,575 |
| Earnings coverage of net charge-offs (x) | 10.9122% | 2,185 |
| Efficiency ratio | 59.8459% | 3,175 |
| Assets per employee ($millions) | 5.8262% | 2,921 |
| Cash dividends to net income (ytd only)* | 31.1686% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 1,843 |
| Loan loss allowance to noncurrent loans | 314.2127% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 1,756 |
| Noncurrent loans to loans | 0.4518% | 2,005 |
| Net loans and leases to total assets | 73.6531% | 691 |
| Net loans and leases to deposits | 92.3208% | 447 |
| Net loans and leases to core deposits | 100.5878% | 514 |
| Total domestic deposits to total assets | 79.7795% | 4,244 |
| Equity capital to assets | 13.4234% | 788 |
| Core capital (leverage) ratio | 13.1014% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1427% | 1,231 |
| Memoranda: | ||
| Average total assets | $6,213,775,400 | 223 |
| Average earning assets | $5,785,494,000 | 219 |
| Average equity | $793,551,000 | 195 |
| Average total loans | $4,631,239,200 | 198 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6660% | 2,362 |
| Cost of funding earning assets | 0.0945% | 4,540 |
| Net interest margin | 3.5715% | 1,670 |
| Noninterest income to average assets | 1.1252% | 897 |
| Noninterest expense to average assets | 2.8401% | 1,245 |
| Loan and lease loss provision to assets | 0.0924% | 1,291 |
| Net operating income to assets | 1.1810% | 2,228 |
| Return on assets (ROA) | 1.4906% | 1,341 |
| Pretax return on assets | 1.8281% | 1,098 |
| Return on Equity (ROE) | 11.8191% | 2,107 |
| Retained earnings to average equity (ytd only) | 8.4165% | 1,903 |
| Net charge-offs to loans | 0.2980% | 268 |
| Credit loss provision to net charge-offs | 43.3160% | 1,894 |
| Earnings coverage of net charge-offs (x) | 7.2575% | 2,147 |
| Efficiency ratio | 63.7150% | 2,430 |
| Assets per employee ($millions) | 5.8726% | 2,816 |
| Cash dividends to net income (ytd only)* | 28.7887% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,860 |
| Loan loss allowance to noncurrent loans | 300.8880% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 1,968 |
| Noncurrent loans to loans | 0.4777% | 2,126 |
| Net loans and leases to total assets | 69.9506% | 1,077 |
| Net loans and leases to deposits | 86.9083% | 775 |
| Net loans and leases to core deposits | 95.2365% | 781 |
| Total domestic deposits to total assets | 80.4879% | 4,167 |
| Equity capital to assets | 13.1169% | 949 |
| Core capital (leverage) ratio | 12.7189% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6738% | 1,198 |
| Memoranda: | ||
| Average total assets | $6,245,117,250 | 224 |
| Average earning assets | $5,815,951,750 | 219 |
| Average equity | $787,621,000 | 193 |
| Average total loans | $4,651,829,500 | 200 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 2,513 |
| Cost of funding earning assets | 0.1008% | 4,578 |
| Net interest margin | 3.5349% | 1,754 |
| Noninterest income to average assets | 1.0982% | 931 |
| Noninterest expense to average assets | 2.8773% | 1,190 |
| Loan and lease loss provision to assets | 0.0246% | 2,477 |
| Net operating income to assets | 1.1709% | 2,295 |
| Return on assets (ROA) | 1.5874% | 1,135 |
| Pretax return on assets | 1.9097% | 1,001 |
| Return on Equity (ROE) | 12.7548% | 1,807 |
| Retained earnings to average equity (ytd only) | 9.3190% | 1,618 |
| Net charge-offs to loans | 0.4993% | 164 |
| Credit loss provision to net charge-offs | 8.0264% | 1,778 |
| Earnings coverage of net charge-offs (x) | 4.0190% | 2,047 |
| Efficiency ratio | 65.3264% | 2,248 |
| Assets per employee ($millions) | 5.7609% | 2,836 |
| Cash dividends to net income (ytd only)* | 26.9368% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,395 |
| Loan loss allowance to noncurrent loans | 269.8067% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 2,033 |
| Noncurrent loans to loans | 0.4846% | 2,225 |
| Net loans and leases to total assets | 73.6943% | 786 |
| Net loans and leases to deposits | 89.1817% | 703 |
| Net loans and leases to core deposits | 97.6054% | 736 |
| Total domestic deposits to total assets | 82.6339% | 3,783 |
| Equity capital to assets | 12.9195% | 969 |
| Core capital (leverage) ratio | 12.1703% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1500% | 1,299 |
| Memoranda: | ||
| Average total assets | $6,267,481,333 | 223 |
| Average earning assets | $5,845,647,000 | 215 |
| Average equity | $780,038,667 | 194 |
| Average total loans | $4,740,908,667 | 199 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 563 |
| Cost of funding earning assets | 0.1088% | 4,600 |
| Net interest margin | 4.6013% | 313 |
| Noninterest income to average assets | 2.0100% | 373 |
| Noninterest expense to average assets | 3.2113% | 707 |
| Loan and lease loss provision to assets | 0.9686% | 44 |
| Net operating income to assets | 1.6410% | 1,038 |
| Return on assets (ROA) | 1.6392% | 1,092 |
| Pretax return on assets | 2.1297% | 765 |
| Return on Equity (ROE) | 13.4209% | 1,564 |
| Retained earnings to average equity (ytd only) | 9.9454% | 1,658 |
| Net charge-offs to loans | 0.0889% | 749 |
| Credit loss provision to net charge-offs | 1,436.0487% | 329 |
| Earnings coverage of net charge-offs (x) | 45.8212% | 935 |
| Efficiency ratio | 50.7413% | 4,120 |
| Assets per employee ($millions) | 5.9557% | 2,646 |
| Cash dividends to net income (ytd only)* | 25.8957% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,327 |
| Loan loss allowance to noncurrent loans | 334.5145% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 2,282 |
| Noncurrent loans to loans | 0.4745% | 2,428 |
| Net loans and leases to total assets | 72.2159% | 988 |
| Net loans and leases to deposits | 87.0127% | 886 |
| Net loans and leases to core deposits | 98.3436% | 790 |
| Total domestic deposits to total assets | 82.9948% | 3,690 |
| Equity capital to assets | 12.0645% | 1,253 |
| Core capital (leverage) ratio | 12.1977% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1573% | 1,256 |
| Memoranda: | ||
| Average total assets | $6,313,397,500 | 223 |
| Average earning assets | $5,902,451,500 | 215 |
| Average equity | $771,126,500 | 197 |
| Average total loans | $4,805,666,500 | 199 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 1,343 |
| Cost of funding earning assets | 0.3374% | 3,937 |
| Net interest margin | 4.1500% | 711 |
| Noninterest income to average assets | 1.4572% | 568 |
| Noninterest expense to average assets | 3.0951% | 1,242 |
| Loan and lease loss provision to assets | 0.5185% | 455 |
| Net operating income to assets | 1.3799% | 1,065 |
| Return on assets (ROA) | 1.3806% | 1,156 |
| Pretax return on assets | 1.7075% | 841 |
| Return on Equity (ROE) | 11.3576% | 1,508 |
| Retained earnings to average equity (ytd only) | 7.9757% | 1,060 |
| Net charge-offs to loans | 0.4189% | 403 |
| Credit loss provision to net charge-offs | 154.4526% | 2,394 |
| Earnings coverage of net charge-offs (x) | 6.6556% | 2,760 |
| Efficiency ratio | 58.0893% | 3,714 |
| Assets per employee ($millions) | 5.6297% | 2,708 |
| Cash dividends to net income (ytd only)* | 29.7766% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,644 |
| Loan loss allowance to noncurrent loans | 258.7914% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 2,308 |
| Noncurrent loans to loans | 0.4850% | 2,515 |
| Net loans and leases to total assets | 78.0022% | 605 |
| Net loans and leases to deposits | 99.4108% | 397 |
| Net loans and leases to core deposits | 107.4741% | 587 |
| Total domestic deposits to total assets | 78.4646% | 4,268 |
| Equity capital to assets | 12.3712% | 1,381 |
| Core capital (leverage) ratio | 12.1070% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4638% | 1,409 |
| Memoranda: | ||
| Average total assets | $6,032,552,000 | 218 |
| Average earning assets | $5,615,441,400 | 213 |
| Average equity | $733,316,600 | 198 |
| Average total loans | $4,814,166,600 | 192 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 1,204 |
| Cost of funding earning assets | 0.3889% | 3,872 |
| Net interest margin | 4.2513% | 653 |
| Noninterest income to average assets | 1.5652% | 485 |
| Noninterest expense to average assets | 3.0651% | 1,302 |
| Loan and lease loss provision to assets | 0.6842% | 320 |
| Net operating income to assets | 1.4037% | 1,092 |
| Return on assets (ROA) | 1.4048% | 1,185 |
| Pretax return on assets | 1.7678% | 832 |
| Return on Equity (ROE) | 11.6096% | 1,476 |
| Retained earnings to average equity (ytd only) | 8.1945% | 1,242 |
| Net charge-offs to loans | 0.5746% | 257 |
| Credit loss provision to net charge-offs | 147.3903% | 2,341 |
| Earnings coverage of net charge-offs (x) | 5.3304% | 2,738 |
| Efficiency ratio | 55.4958% | 3,984 |
| Assets per employee ($millions) | 5.7411% | 2,507 |
| Cash dividends to net income (ytd only)* | 29.4164% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 2,749 |
| Loan loss allowance to noncurrent loans | 284.0455% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 2,665 |
| Noncurrent loans to loans | 0.4174% | 2,805 |
| Net loans and leases to total assets | 80.1350% | 600 |
| Net loans and leases to deposits | 98.0149% | 624 |
| Net loans and leases to core deposits | 113.0616% | 593 |
| Total domestic deposits to total assets | 81.7580% | 3,482 |
| Equity capital to assets | 12.0166% | 1,666 |
| Core capital (leverage) ratio | 11.9035% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9096% | 1,530 |
| Memoranda: | ||
| Average total assets | $6,000,968,500 | 217 |
| Average earning assets | $5,576,334,250 | 212 |
| Average equity | $726,163,500 | 198 |
| Average total loans | $4,801,424,250 | 190 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 789 |
| Cost of funding earning assets | 0.4611% | 3,738 |
| Net interest margin | 4.5674% | 435 |
| Noninterest income to average assets | 1.6835% | 375 |
| Noninterest expense to average assets | 3.1236% | 1,300 |
| Loan and lease loss provision to assets | 0.9888% | 211 |
| Net operating income to assets | 1.4395% | 1,039 |
| Return on assets (ROA) | 1.4410% | 1,123 |
| Pretax return on assets | 1.8070% | 805 |
| Return on Equity (ROE) | 11.8793% | 1,362 |
| Retained earnings to average equity (ytd only) | 8.4287% | 1,182 |
| Net charge-offs to loans | 1.0200% | 139 |
| Credit loss provision to net charge-offs | 120.8295% | 2,276 |
| Earnings coverage of net charge-offs (x) | 3.4399% | 2,678 |
| Efficiency ratio | 52.7332% | 4,298 |
| Assets per employee ($millions) | 5.8973% | 2,273 |
| Cash dividends to net income (ytd only)* | 29.0473% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,202 |
| Loan loss allowance to noncurrent loans | 269.8320% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 2,889 |
| Noncurrent loans to loans | 0.3989% | 2,976 |
| Net loans and leases to total assets | 78.4795% | 791 |
| Net loans and leases to deposits | 98.9208% | 609 |
| Net loans and leases to core deposits | 116.2812% | 528 |
| Total domestic deposits to total assets | 79.3357% | 3,966 |
| Equity capital to assets | 11.3757% | 2,056 |
| Core capital (leverage) ratio | 11.8963% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1757% | 1,734 |
| Memoranda: | ||
| Average total assets | $5,924,928,667 | 213 |
| Average earning assets | $5,492,586,000 | 212 |
| Average equity | $718,710,000 | 200 |
| Average total loans | $4,718,043,000 | 187 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2096% | 129 |
| Cost of funding earning assets | 0.6181% | 3,341 |
| Net interest margin | 5.5916% | 76 |
| Noninterest income to average assets | 2.3461% | 216 |
| Noninterest expense to average assets | 3.5269% | 896 |
| Loan and lease loss provision to assets | 1.6080% | 91 |
| Net operating income to assets | 1.8775% | 352 |
| Return on assets (ROA) | 1.8798% | 387 |
| Pretax return on assets | 2.3721% | 209 |
| Return on Equity (ROE) | 14.9666% | 550 |
| Retained earnings to average equity (ytd only) | 11.4791% | 484 |
| Net charge-offs to loans | 0.1919% | 709 |
| Credit loss provision to net charge-offs | 1,038.4686% | 556 |
| Earnings coverage of net charge-offs (x) | 25.9654% | 1,268 |
| Efficiency ratio | 46.9566% | 4,796 |
| Assets per employee ($millions) | 5.3037% | 2,318 |
| Cash dividends to net income (ytd only)* | 23.3021% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,221 |
| Loan loss allowance to noncurrent loans | 337.7500% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 2,975 |
| Noncurrent loans to loans | 0.4562% | 2,885 |
| Net loans and leases to total assets | 78.7879% | 863 |
| Net loans and leases to deposits | 107.9314% | 233 |
| Net loans and leases to core deposits | 119.2399% | 492 |
| Total domestic deposits to total assets | 72.9982% | 4,725 |
| Equity capital to assets | 12.6453% | 1,648 |
| Core capital (leverage) ratio | 12.5577% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3411% | 1,802 |
| Memoranda: | ||
| Average total assets | $5,661,562,000 | 213 |
| Average earning assets | $5,222,593,000 | 215 |
| Average equity | $711,104,000 | 201 |
| Average total loans | $4,517,901,500 | 192 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 778 |
| Cost of funding earning assets | 0.8197% | 2,586 |
| Net interest margin | 4.5098% | 703 |
| Noninterest income to average assets | 1.3427% | 527 |
| Noninterest expense to average assets | 3.0926% | 1,781 |
| Loan and lease loss provision to assets | 0.4599% | 292 |
| Net operating income to assets | 1.6231% | 794 |
| Return on assets (ROA) | 1.6242% | 846 |
| Pretax return on assets | 2.0293% | 565 |
| Return on Equity (ROE) | 13.6807% | 963 |
| Retained earnings to average equity (ytd only) | 10.1920% | 457 |
| Net charge-offs to loans | 0.6047% | 307 |
| Credit loss provision to net charge-offs | 95.1111% | 2,589 |
| Earnings coverage of net charge-offs (x) | 5.1455% | 3,126 |
| Efficiency ratio | 55.3598% | 4,284 |
| Assets per employee ($millions) | 5.1954% | 2,346 |
| Cash dividends to net income (ytd only)* | 25.5012% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,645 |
| Loan loss allowance to noncurrent loans | 184.5509% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 2,711 |
| Noncurrent loans to loans | 0.5261% | 2,605 |
| Net loans and leases to total assets | 78.8016% | 962 |
| Net loans and leases to deposits | 113.7538% | 131 |
| Net loans and leases to core deposits | 125.0343% | 365 |
| Total domestic deposits to total assets | 69.2738% | 4,956 |
| Equity capital to assets | 12.4736% | 1,833 |
| Core capital (leverage) ratio | 12.1131% | 1,707 |
| Tier 1 risk-based capital ratio | 14.0133% | 3,269 |
| Total risk-based capital ratio | 14.9068% | 3,346 |
| Memoranda: | ||
| Average total assets | $5,601,302,600 | 207 |
| Average earning assets | $5,263,411,600 | 200 |
| Average equity | $664,994,800 | 204 |
| Average total loans | $4,478,265,000 | 187 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 616 |
| Cost of funding earning assets | 0.8453% | 2,488 |
| Net interest margin | 4.6272% | 579 |
| Noninterest income to average assets | 1.3240% | 535 |
| Noninterest expense to average assets | 3.1494% | 1,580 |
| Loan and lease loss provision to assets | 0.5916% | 193 |
| Net operating income to assets | 1.5517% | 1,056 |
| Return on assets (ROA) | 1.5533% | 1,102 |
| Pretax return on assets | 1.9358% | 795 |
| Return on Equity (ROE) | 13.2522% | 1,191 |
| Retained earnings to average equity (ytd only) | 9.7171% | 826 |
| Net charge-offs to loans | 0.6720% | 236 |
| Credit loss provision to net charge-offs | 109.9925% | 2,090 |
| Earnings coverage of net charge-offs (x) | 4.6950% | 2,983 |
| Efficiency ratio | 55.4399% | 4,223 |
| Assets per employee ($millions) | 5.5748% | 1,962 |
| Cash dividends to net income (ytd only)* | 26.6753% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,743 |
| Loan loss allowance to noncurrent loans | 226.1892% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 3,152 |
| Noncurrent loans to loans | 0.4281% | 3,023 |
| Net loans and leases to total assets | 78.7678% | 1,024 |
| Net loans and leases to deposits | 120.6733% | 89 |
| Net loans and leases to core deposits | 128.2062% | 328 |
| Total domestic deposits to total assets | 65.2735% | 5,107 |
| Equity capital to assets | 11.1538% | 2,965 |
| Core capital (leverage) ratio | 11.5961% | 2,147 |
| Tier 1 risk-based capital ratio | 12.7078% | 4,027 |
| Total risk-based capital ratio | 13.6122% | 4,099 |
| Memoranda: | ||
| Average total assets | $5,598,857,250 | 210 |
| Average earning assets | $5,264,344,250 | 202 |
| Average equity | $656,267,000 | 210 |
| Average total loans | $4,481,587,750 | 190 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8019% | 337 |
| Cost of funding earning assets | 0.8302% | 2,497 |
| Net interest margin | 4.9716% | 304 |
| Noninterest income to average assets | 1.5716% | 374 |
| Noninterest expense to average assets | 3.2988% | 1,286 |
| Loan and lease loss provision to assets | 0.7983% | 128 |
| Net operating income to assets | 1.7172% | 704 |
| Return on assets (ROA) | 1.7192% | 729 |
| Pretax return on assets | 2.1482% | 500 |
| Return on Equity (ROE) | 14.4066% | 896 |
| Retained earnings to average equity (ytd only) | 10.8290% | 576 |
| Net charge-offs to loans | 0.9350% | 154 |
| Credit loss provision to net charge-offs | 106.4171% | 1,882 |
| Earnings coverage of net charge-offs (x) | 3.9243% | 2,783 |
| Efficiency ratio | 52.7877% | 4,584 |
| Assets per employee ($millions) | 5.2480% | 2,207 |
| Cash dividends to net income (ytd only)* | 24.8330% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,602 |
| Loan loss allowance to noncurrent loans | 236.9769% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 3,098 |
| Noncurrent loans to loans | 0.4231% | 3,011 |
| Net loans and leases to total assets | 79.4518% | 975 |
| Net loans and leases to deposits | 118.9478% | 98 |
| Net loans and leases to core deposits | 126.7608% | 371 |
| Total domestic deposits to total assets | 66.7955% | 5,135 |
| Equity capital to assets | 11.6624% | 2,478 |
| Core capital (leverage) ratio | 11.8319% | 1,927 |
| Tier 1 risk-based capital ratio | 13.1374% | 3,766 |
| Total risk-based capital ratio | 14.0724% | 3,835 |
| Memoranda: | ||
| Average total assets | $5,434,064,000 | 214 |
| Average earning assets | $5,105,710,670 | 206 |
| Average equity | $648,479,670 | 212 |
| Average total loans | $4,359,971,000 | 192 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6463% | 101 |
| Cost of funding earning assets | 0.7972% | 2,555 |
| Net interest margin | 5.8491% | 79 |
| Noninterest income to average assets | 2.0788% | 236 |
| Noninterest expense to average assets | 3.4570% | 1,029 |
| Loan and lease loss provision to assets | 1.3020% | 65 |
| Net operating income to assets | 2.2370% | 257 |
| Return on assets (ROA) | 2.2392% | 265 |
| Pretax return on assets | 2.8116% | 153 |
| Return on Equity (ROE) | 18.5367% | 358 |
| Retained earnings to average equity (ytd only) | 14.9087% | 281 |
| Net charge-offs to loans | 0.3716% | 417 |
| Credit loss provision to net charge-offs | 436.7807% | 659 |
| Earnings coverage of net charge-offs (x) | 13.7901% | 1,830 |
| Efficiency ratio | 45.6346% | 5,041 |
| Assets per employee ($millions) | 4.9925% | 2,529 |
| Cash dividends to net income (ytd only)* | 19.5721% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 1,911 |
| Loan loss allowance to noncurrent loans | 372.4521% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 3,429 |
| Noncurrent loans to loans | 0.3600% | 3,291 |
| Net loans and leases to total assets | 79.6175% | 886 |
| Net loans and leases to deposits | 110.1055% | 213 |
| Net loans and leases to core deposits | 116.5211% | 634 |
| Total domestic deposits to total assets | 72.3102% | 5,030 |
| Equity capital to assets | 12.1918% | 1,910 |
| Core capital (leverage) ratio | 11.5652% | 2,092 |
| Tier 1 risk-based capital ratio | 13.5959% | 3,561 |
| Total risk-based capital ratio | 14.8389% | 3,474 |
| Memoranda: | ||
| Average total assets | $5,293,574,000 | 220 |
| Average earning assets | $4,967,646,000 | 210 |
| Average equity | $639,465,000 | 215 |
| Average total loans | $4,246,612,000 | 196 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 646 |
| Cost of funding earning assets | 0.5864% | 2,815 |
| Net interest margin | 4.6559% | 538 |
| Noninterest income to average assets | 1.2340% | 613 |
| Noninterest expense to average assets | 3.1885% | 1,583 |
| Loan and lease loss provision to assets | 0.6068% | 183 |
| Net operating income to assets | 1.5104% | 1,092 |
| Return on assets (ROA) | 1.5095% | 1,078 |
| Pretax return on assets | 1.8335% | 842 |
| Return on Equity (ROE) | 13.0232% | 1,340 |
| Retained earnings to average equity (ytd only) | 9.4615% | 746 |
| Net charge-offs to loans | 0.7132% | 223 |
| Credit loss provision to net charge-offs | 106.4694% | 2,402 |
| Earnings coverage of net charge-offs (x) | 4.2836% | 3,309 |
| Efficiency ratio | 56.5647% | 4,335 |
| Assets per employee ($millions) | 4.9764% | 2,533 |
| Cash dividends to net income (ytd only)* | 27.3492% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,266 |
| Loan loss allowance to noncurrent loans | 274.2480% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,298 |
| Noncurrent loans to loans | 0.3906% | 3,132 |
| Net loans and leases to total assets | 78.8788% | 1,120 |
| Net loans and leases to deposits | 116.0281% | 145 |
| Net loans and leases to core deposits | 119.0876% | 576 |
| Total domestic deposits to total assets | 67.9825% | 5,210 |
| Equity capital to assets | 11.9655% | 1,922 |
| Core capital (leverage) ratio | 12.0634% | 1,688 |
| Tier 1 risk-based capital ratio | 13.5328% | 3,528 |
| Total risk-based capital ratio | 14.5245% | 3,559 |
| Memoranda: | ||
| Average total assets | $5,169,289,000 | 220 |
| Average earning assets | $4,880,672,600 | 211 |
| Average equity | $599,146,000 | 217 |
| Average total loans | $4,131,162,200 | 199 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 537 |
| Cost of funding earning assets | 0.5585% | 2,798 |
| Net interest margin | 4.7296% | 439 |
| Noninterest income to average assets | 1.3818% | 498 |
| Noninterest expense to average assets | 3.2424% | 1,423 |
| Loan and lease loss provision to assets | 0.6794% | 144 |
| Net operating income to assets | 1.5756% | 1,008 |
| Return on assets (ROA) | 1.5741% | 1,015 |
| Pretax return on assets | 1.9244% | 778 |
| Return on Equity (ROE) | 13.6933% | 1,206 |
| Retained earnings to average equity (ytd only) | 10.0916% | 893 |
| Net charge-offs to loans | 0.8155% | 172 |
| Credit loss provision to net charge-offs | 104.1850% | 2,195 |
| Earnings coverage of net charge-offs (x) | 3.9956% | 3,111 |
| Efficiency ratio | 55.3765% | 4,461 |
| Assets per employee ($millions) | 5.0433% | 2,419 |
| Cash dividends to net income (ytd only)* | 26.3028% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,450 |
| Loan loss allowance to noncurrent loans | 251.0253% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 3,330 |
| Noncurrent loans to loans | 0.4191% | 3,153 |
| Net loans and leases to total assets | 79.0322% | 1,162 |
| Net loans and leases to deposits | 112.3097% | 228 |
| Net loans and leases to core deposits | 115.4858% | 739 |
| Total domestic deposits to total assets | 70.3699% | 5,199 |
| Equity capital to assets | 11.7389% | 2,078 |
| Core capital (leverage) ratio | 11.7524% | 1,962 |
| Tier 1 risk-based capital ratio | 13.4552% | 3,652 |
| Total risk-based capital ratio | 14.4430% | 3,703 |
| Memoranda: | ||
| Average total assets | $5,154,070,000 | 218 |
| Average earning assets | $4,867,143,500 | 209 |
| Average equity | $592,478,750 | 219 |
| Average total loans | $4,121,410,500 | 198 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4496% | 352 |
| Cost of funding earning assets | 0.5253% | 2,799 |
| Net interest margin | 4.9244% | 284 |
| Noninterest income to average assets | 1.6341% | 374 |
| Noninterest expense to average assets | 3.2852% | 1,355 |
| Loan and lease loss provision to assets | 0.8643% | 98 |
| Net operating income to assets | 1.6742% | 760 |
| Return on assets (ROA) | 1.6726% | 770 |
| Pretax return on assets | 2.1307% | 455 |
| Return on Equity (ROE) | 14.6556% | 928 |
| Retained earnings to average equity (ytd only) | 11.0135% | 670 |
| Net charge-offs to loans | 0.9696% | 137 |
| Credit loss provision to net charge-offs | 111.4421% | 1,876 |
| Earnings coverage of net charge-offs (x) | 3.8642% | 2,845 |
| Efficiency ratio | 52.2299% | 4,864 |
| Assets per employee ($millions) | 5.1886% | 2,206 |
| Cash dividends to net income (ytd only)* | 24.8515% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,454 |
| Loan loss allowance to noncurrent loans | 245.3540% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 3,360 |
| Noncurrent loans to loans | 0.4348% | 3,141 |
| Net loans and leases to total assets | 79.4769% | 1,097 |
| Net loans and leases to deposits | 116.9262% | 145 |
| Net loans and leases to core deposits | 120.8379% | 546 |
| Total domestic deposits to total assets | 67.9719% | 5,338 |
| Equity capital to assets | 11.4021% | 2,264 |
| Core capital (leverage) ratio | 11.5400% | 2,037 |
| Tier 1 risk-based capital ratio | 12.8814% | 3,959 |
| Total risk-based capital ratio | 13.8762% | 4,010 |
| Memoranda: | ||
| Average total assets | $5,133,829,670 | 216 |
| Average earning assets | $4,845,866,330 | 209 |
| Average equity | $585,918,670 | 216 |
| Average total loans | $4,106,817,670 | 197 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1748% | 110 |
| Cost of funding earning assets | 0.4895% | 2,873 |
| Net interest margin | 5.6852% | 89 |
| Noninterest income to average assets | 2.1968% | 239 |
| Noninterest expense to average assets | 3.4363% | 1,104 |
| Loan and lease loss provision to assets | 1.3606% | 62 |
| Net operating income to assets | 2.1618% | 264 |
| Return on assets (ROA) | 2.1595% | 265 |
| Pretax return on assets | 2.7522% | 144 |
| Return on Equity (ROE) | 18.9121% | 326 |
| Retained earnings to average equity (ytd only) | 15.2279% | 311 |
| Net charge-offs to loans | 0.7590% | 189 |
| Credit loss provision to net charge-offs | 224.5867% | 973 |
| Earnings coverage of net charge-offs (x) | 6.7936% | 2,137 |
| Efficiency ratio | 45.4487% | 5,301 |
| Assets per employee ($millions) | 5.0546% | 2,420 |
| Cash dividends to net income (ytd only)* | 19.4808% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 2,307 |
| Loan loss allowance to noncurrent loans | 324.5148% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,546 |
| Noncurrent loans to loans | 0.3966% | 3,367 |
| Net loans and leases to total assets | 79.1869% | 1,053 |
| Net loans and leases to deposits | 105.1765% | 422 |
| Net loans and leases to core deposits | 121.4121% | 545 |
| Total domestic deposits to total assets | 75.2895% | 5,042 |
| Equity capital to assets | 11.6238% | 2,044 |
| Core capital (leverage) ratio | 10.8981% | 2,541 |
| Tier 1 risk-based capital ratio | 12.9444% | 3,982 |
| Total risk-based capital ratio | 14.1277% | 3,910 |
| Memoranda: | ||
| Average total assets | $5,072,722,000 | 214 |
| Average earning assets | $4,778,347,500 | 208 |
| Average equity | $579,228,000 | 217 |
| Average total loans | $4,049,031,000 | 196 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 1,122 |
| Cost of funding earning assets | 0.4150% | 3,098 |
| Net interest margin | 4.3166% | 931 |
| Noninterest income to average assets | 1.1996% | 723 |
| Noninterest expense to average assets | 3.0998% | 1,860 |
| Loan and lease loss provision to assets | 0.5660% | 227 |
| Net operating income to assets | 0.9347% | 2,522 |
| Return on assets (ROA) | 0.9329% | 2,567 |
| Pretax return on assets | 1.6044% | 1,278 |
| Return on Equity (ROE) | 8.1439% | 2,731 |
| Retained earnings to average equity (ytd only) | 4.7230% | 2,310 |
| Net charge-offs to loans | 0.4583% | 520 |
| Credit loss provision to net charge-offs | 155.1610% | 1,728 |
| Earnings coverage of net charge-offs (x) | 5.9570% | 3,245 |
| Efficiency ratio | 58.7052% | 4,446 |
| Assets per employee ($millions) | 5.0910% | 2,368 |
| Cash dividends to net income (ytd only)* | 42.0052% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 3,552 |
| Loan loss allowance to noncurrent loans | 283.7269% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 3,685 |
| Noncurrent loans to loans | 0.3739% | 3,420 |
| Net loans and leases to total assets | 78.5779% | 1,205 |
| Net loans and leases to deposits | 112.9184% | 191 |
| Net loans and leases to core deposits | 131.3539% | 311 |
| Total domestic deposits to total assets | 69.5882% | 5,422 |
| Equity capital to assets | 11.2134% | 2,416 |
| Core capital (leverage) ratio | 11.1458% | 2,199 |
| Tier 1 risk-based capital ratio | 12.7046% | 4,084 |
| Total risk-based capital ratio | 13.6947% | 4,140 |
| Memoranda: | ||
| Average total assets | $4,894,368,800 | 210 |
| Average earning assets | $4,618,563,800 | 204 |
| Average equity | $560,680,400 | 215 |
| Average total loans | $3,895,529,800 | 192 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 1,066 |
| Cost of funding earning assets | 0.4008% | 3,186 |
| Net interest margin | 4.3319% | 850 |
| Noninterest income to average assets | 1.3314% | 589 |
| Noninterest expense to average assets | 3.1167% | 1,757 |
| Loan and lease loss provision to assets | 0.5948% | 185 |
| Net operating income to assets | 1.1178% | 2,001 |
| Return on assets (ROA) | 1.1178% | 2,067 |
| Pretax return on assets | 1.7033% | 1,117 |
| Return on Equity (ROE) | 9.7040% | 2,254 |
| Retained earnings to average equity (ytd only) | 6.2834% | 2,068 |
| Net charge-offs to loans | 0.4959% | 413 |
| Credit loss provision to net charge-offs | 150.6267% | 1,685 |
| Earnings coverage of net charge-offs (x) | 5.8194% | 3,055 |
| Efficiency ratio | 57.4784% | 4,567 |
| Assets per employee ($millions) | 5.0662% | 2,371 |
| Cash dividends to net income (ytd only)* | 35.2496% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,991 |
| Loan loss allowance to noncurrent loans | 245.1418% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 3,722 |
| Noncurrent loans to loans | 0.4129% | 3,464 |
| Net loans and leases to total assets | 78.8482% | 1,142 |
| Net loans and leases to deposits | 113.9576% | 183 |
| Net loans and leases to core deposits | 129.6615% | 348 |
| Total domestic deposits to total assets | 69.1909% | 5,502 |
| Equity capital to assets | 11.4324% | 2,436 |
| Core capital (leverage) ratio | 11.4136% | 2,088 |
| Tier 1 risk-based capital ratio | 12.8282% | 4,123 |
| Total risk-based capital ratio | 13.7683% | 4,214 |
| Memoranda: | ||
| Average total assets | $4,849,031,250 | 213 |
| Average earning assets | $4,570,887,750 | 206 |
| Average equity | $558,560,000 | 214 |
| Average total loans | $3,861,622,000 | 196 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 855 |
| Cost of funding earning assets | 0.3808% | 3,280 |
| Net interest margin | 4.4217% | 674 |
| Noninterest income to average assets | 1.5973% | 436 |
| Noninterest expense to average assets | 3.1411% | 1,727 |
| Loan and lease loss provision to assets | 0.7249% | 148 |
| Net operating income to assets | 1.2503% | 1,437 |
| Return on assets (ROA) | 1.2503% | 1,462 |
| Pretax return on assets | 1.8938% | 667 |
| Return on Equity (ROE) | 10.8260% | 1,707 |
| Retained earnings to average equity (ytd only) | 7.4084% | 1,391 |
| Net charge-offs to loans | 0.6501% | 300 |
| Credit loss provision to net charge-offs | 140.0354% | 1,596 |
| Earnings coverage of net charge-offs (x) | 5.0585% | 2,862 |
| Efficiency ratio | 54.4585% | 4,979 |
| Assets per employee ($millions) | 5.0694% | 2,310 |
| Cash dividends to net income (ytd only)* | 31.5684% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 4,347 |
| Loan loss allowance to noncurrent loans | 239.8304% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 3,822 |
| Noncurrent loans to loans | 0.4023% | 3,592 |
| Net loans and leases to total assets | 78.6292% | 1,149 |
| Net loans and leases to deposits | 120.4206% | 94 |
| Net loans and leases to core deposits | 129.8557% | 311 |
| Total domestic deposits to total assets | 65.2955% | 5,646 |
| Equity capital to assets | 11.3978% | 2,413 |
| Core capital (leverage) ratio | 11.6848% | 1,841 |
| Tier 1 risk-based capital ratio | 12.9883% | 4,004 |
| Total risk-based capital ratio | 13.8960% | 4,130 |
| Memoranda: | ||
| Average total assets | $4,803,662,330 | 216 |
| Average earning assets | $4,522,163,330 | 207 |
| Average equity | $554,773,000 | 217 |
| Average total loans | $3,825,201,000 | 200 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4678% | 244 |
| Cost of funding earning assets | 0.3772% | 3,229 |
| Net interest margin | 5.0906% | 191 |
| Noninterest income to average assets | 2.1253% | 291 |
| Noninterest expense to average assets | 3.3138% | 1,360 |
| Loan and lease loss provision to assets | 1.0441% | 83 |
| Net operating income to assets | 1.6968% | 555 |
| Return on assets (ROA) | 1.6968% | 566 |
| Pretax return on assets | 2.5547% | 199 |
| Return on Equity (ROE) | 14.5928% | 705 |
| Retained earnings to average equity (ytd only) | 11.2266% | 565 |
| Net charge-offs to loans | 0.3083% | 601 |
| Credit loss provision to net charge-offs | 424.5789% | 633 |
| Earnings coverage of net charge-offs (x) | 14.6342% | 1,713 |
| Efficiency ratio | 47.8733% | 5,473 |
| Assets per employee ($millions) | 4.7867% | 2,722 |
| Cash dividends to net income (ytd only)* | 23.0670% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,473 |
| Loan loss allowance to noncurrent loans | 249.2029% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 3,623 |
| Noncurrent loans to loans | 0.4568% | 3,461 |
| Net loans and leases to total assets | 78.9839% | 989 |
| Net loans and leases to deposits | 106.8107% | 296 |
| Net loans and leases to core deposits | 121.3510% | 429 |
| Total domestic deposits to total assets | 73.9476% | 5,418 |
| Equity capital to assets | 11.9896% | 1,856 |
| Core capital (leverage) ratio | 11.1190% | 2,263 |
| Tier 1 risk-based capital ratio | 13.4908% | 3,783 |
| Total risk-based capital ratio | 14.5554% | 3,805 |
| Memoranda: | ||
| Average total assets | $4,731,606,500 | 216 |
| Average earning assets | $4,449,742,500 | 210 |
| Average equity | $550,191,000 | 218 |
| Average total loans | $3,773,654,000 | 200 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 3,050 |
| Cost of funding earning assets | 0.3962% | 3,036 |
| Net interest margin | 3.6478% | 2,896 |
| Noninterest income to average assets | 1.2679% | 707 |
| Noninterest expense to average assets | 2.8767% | 2,758 |
| Loan and lease loss provision to assets | 0.3188% | 578 |
| Net operating income to assets | 1.0050% | 2,336 |
| Return on assets (ROA) | 1.0050% | 2,437 |
| Pretax return on assets | 1.5209% | 1,525 |
| Return on Equity (ROE) | 8.8259% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.2970% | 2,133 |
| Net charge-offs to loans | 0.2498% | 1,111 |
| Credit loss provision to net charge-offs | 159.8963% | 1,722 |
| Earnings coverage of net charge-offs (x) | 9.2262% | 2,772 |
| Efficiency ratio | 60.9304% | 4,431 |
| Assets per employee ($millions) | 5.1234% | 2,261 |
| Cash dividends to net income (ytd only)* | 39.9834% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 4,926 |
| Loan loss allowance to noncurrent loans | 204.9558% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 3,827 |
| Noncurrent loans to loans | 0.4198% | 3,637 |
| Net loans and leases to total assets | 78.9342% | 1,055 |
| Net loans and leases to deposits | 116.4889% | 126 |
| Net loans and leases to core deposits | 133.9610% | 237 |
| Total domestic deposits to total assets | 67.7611% | 5,722 |
| Equity capital to assets | 11.2775% | 2,346 |
| Core capital (leverage) ratio | 11.3444% | 2,040 |
| Tier 1 risk-based capital ratio | 13.0334% | 4,047 |
| Total risk-based capital ratio | 13.8569% | 4,214 |
| Memoranda: | ||
| Average total assets | $4,545,582,800 | 212 |
| Average earning assets | $4,297,222,800 | 203 |
| Average equity | $517,612,400 | 215 |
| Average total loans | $3,628,104,000 | 194 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 3,120 |
| Cost of funding earning assets | 0.4093% | 2,932 |
| Net interest margin | 3.6180% | 3,011 |
| Noninterest income to average assets | 1.4097% | 596 |
| Noninterest expense to average assets | 2.9306% | 2,541 |
| Loan and lease loss provision to assets | 0.2824% | 618 |
| Net operating income to assets | 1.0700% | 2,122 |
| Return on assets (ROA) | 1.0700% | 2,233 |
| Pretax return on assets | 1.6170% | 1,339 |
| Return on Equity (ROE) | 9.3726% | 2,320 |
| Retained earnings to average equity (ytd only) | 5.8183% | 2,291 |
| Net charge-offs to loans | 0.2438% | 963 |
| Credit loss provision to net charge-offs | 145.0031% | 1,810 |
| Earnings coverage of net charge-offs (x) | 9.7535% | 2,656 |
| Efficiency ratio | 60.6236% | 4,450 |
| Assets per employee ($millions) | 5.3609% | 1,995 |
| Cash dividends to net income (ytd only)* | 37.9220% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 5,203 |
| Loan loss allowance to noncurrent loans | 169.1641% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 3,731 |
| Noncurrent loans to loans | 0.4692% | 3,607 |
| Net loans and leases to total assets | 78.9394% | 1,048 |
| Net loans and leases to deposits | 117.7988% | 135 |
| Net loans and leases to core deposits | 135.9508% | 229 |
| Total domestic deposits to total assets | 67.0121% | 5,794 |
| Equity capital to assets | 11.1828% | 2,815 |
| Core capital (leverage) ratio | 11.4536% | 2,071 |
| Tier 1 risk-based capital ratio | 13.2046% | 4,034 |
| Total risk-based capital ratio | 13.9842% | 4,231 |
| Memoranda: | ||
| Average total assets | $4,480,534,500 | 216 |
| Average earning assets | $4,235,523,500 | 206 |
| Average equity | $511,522,500 | 216 |
| Average total loans | $3,578,550,250 | 196 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 2,988 |
| Cost of funding earning assets | 0.4217% | 2,821 |
| Net interest margin | 3.6498% | 2,899 |
| Noninterest income to average assets | 1.6528% | 457 |
| Noninterest expense to average assets | 2.9708% | 2,441 |
| Loan and lease loss provision to assets | 0.3205% | 537 |
| Net operating income to assets | 1.1965% | 1,618 |
| Return on assets (ROA) | 1.1965% | 1,708 |
| Pretax return on assets | 1.8118% | 862 |
| Return on Equity (ROE) | 10.4017% | 1,886 |
| Retained earnings to average equity (ytd only) | 6.8163% | 1,709 |
| Net charge-offs to loans | 0.2968% | 806 |
| Credit loss provision to net charge-offs | 135.0569% | 1,730 |
| Earnings coverage of net charge-offs (x) | 8.9842% | 2,461 |
| Efficiency ratio | 58.1854% | 4,876 |
| Assets per employee ($millions) | 5.2543% | 2,031 |
| Cash dividends to net income (ytd only)* | 34.4688% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 5,336 |
| Loan loss allowance to noncurrent loans | 146.6133% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 3,667 |
| Noncurrent loans to loans | 0.5279% | 3,499 |
| Net loans and leases to total assets | 80.9841% | 758 |
| Net loans and leases to deposits | 127.1018% | 58 |
| Net loans and leases to core deposits | 138.7762% | 200 |
| Total domestic deposits to total assets | 63.7159% | 5,937 |
| Equity capital to assets | 11.5047% | 2,544 |
| Core capital (leverage) ratio | 11.8259% | 1,747 |
| Tier 1 risk-based capital ratio | 13.6312% | 3,816 |
| Total risk-based capital ratio | 14.4128% | 4,022 |
| Memoranda: | ||
| Average total assets | $4,367,573,330 | 220 |
| Average earning assets | $4,128,929,670 | 213 |
| Average equity | $502,381,670 | 223 |
| Average total loans | $3,493,115,670 | 202 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 1,809 |
| Cost of funding earning assets | 0.4372% | 2,706 |
| Net interest margin | 3.9595% | 1,745 |
| Noninterest income to average assets | 2.3707% | 270 |
| Noninterest expense to average assets | 3.0935% | 2,120 |
| Loan and lease loss provision to assets | 0.4902% | 258 |
| Net operating income to assets | 1.6796% | 603 |
| Return on assets (ROA) | 1.6796% | 641 |
| Pretax return on assets | 2.5297% | 231 |
| Return on Equity (ROE) | 14.6032% | 728 |
| Retained earnings to average equity (ytd only) | 11.0066% | 652 |
| Net charge-offs to loans | 0.1436% | 1,253 |
| Credit loss provision to net charge-offs | 431.8068% | 671 |
| Earnings coverage of net charge-offs (x) | 26.6003% | 1,269 |
| Efficiency ratio | 50.6023% | 5,588 |
| Assets per employee ($millions) | 5.1903% | 2,150 |
| Cash dividends to net income (ytd only)* | 24.6285% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 4,923 |
| Loan loss allowance to noncurrent loans | 157.9357% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 3,601 |
| Noncurrent loans to loans | 0.5930% | 3,415 |
| Net loans and leases to total assets | 78.5137% | 1,025 |
| Net loans and leases to deposits | 116.0173% | 130 |
| Net loans and leases to core deposits | 131.4068% | 251 |
| Total domestic deposits to total assets | 67.6742% | 5,932 |
| Equity capital to assets | 11.6513% | 2,283 |
| Core capital (leverage) ratio | 10.8843% | 2,532 |
| Tier 1 risk-based capital ratio | 15.4251% | 2,961 |
| Total risk-based capital ratio | 16.4350% | 3,006 |
| Memoranda: | ||
| Average total assets | $4,231,564,500 | 226 |
| Average earning assets | $3,999,909,000 | 217 |
| Average equity | $486,688,000 | 226 |
| Average total loans | $3,346,354,000 | 206 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7823% | 4,099 |
| Cost of funding earning assets | 0.4360% | 2,773 |
| Net interest margin | 3.3463% | 4,125 |
| Noninterest income to average assets | 1.2036% | 827 |
| Noninterest expense to average assets | 2.8476% | 3,041 |
| Loan and lease loss provision to assets | 0.1348% | 1,773 |
| Net operating income to assets | 0.8951% | 2,901 |
| Return on assets (ROA) | 0.8965% | 2,970 |
| Pretax return on assets | 1.3700% | 2,024 |
| Return on Equity (ROE) | 7.5700% | 3,205 |
| Retained earnings to average equity (ytd only) | 3.9247% | 3,248 |
| Net charge-offs to loans | 0.0715% | 2,814 |
| Credit loss provision to net charge-offs | 232.9879% | 1,226 |
| Earnings coverage of net charge-offs (x) | 25.9668% | 1,607 |
| Efficiency ratio | 65.4584% | 3,994 |
| Assets per employee ($millions) | 5.3792% | 1,925 |
| Cash dividends to net income (ytd only)* | 48.1550% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 5,339 |
| Loan loss allowance to noncurrent loans | 125.2666% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 3,459 |
| Noncurrent loans to loans | 0.6587% | 3,219 |
| Net loans and leases to total assets | 78.2538% | 1,085 |
| Net loans and leases to deposits | 126.0887% | 63 |
| Net loans and leases to core deposits | 141.5140% | 150 |
| Total domestic deposits to total assets | 62.0625% | 6,071 |
| Equity capital to assets | 11.3508% | 2,498 |
| Core capital (leverage) ratio | 11.4609% | 1,988 |
| Tier 1 risk-based capital ratio | 15.2253% | 3,067 |
| Total risk-based capital ratio | 16.1214% | 3,171 |
| Memoranda: | ||
| Average total assets | $4,002,204,600 | 225 |
| Average earning assets | $3,763,394,800 | 215 |
| Average equity | $473,976,200 | 220 |
| Average total loans | $3,238,988,400 | 200 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7977% | 4,093 |
| Cost of funding earning assets | 0.4395% | 2,803 |
| Net interest margin | 3.3581% | 4,114 |
| Noninterest income to average assets | 1.3667% | 658 |
| Noninterest expense to average assets | 2.9416% | 2,703 |
| Loan and lease loss provision to assets | 0.1122% | 2,011 |
| Net operating income to assets | 0.9618% | 2,660 |
| Return on assets (ROA) | 0.9638% | 2,739 |
| Pretax return on assets | 1.4679% | 1,771 |
| Return on Equity (ROE) | 8.0487% | 3,050 |
| Retained earnings to average equity (ytd only) | 4.4091% | 3,330 |
| Net charge-offs to loans | 0.0320% | 3,282 |
| Credit loss provision to net charge-offs | 429.7542% | 716 |
| Earnings coverage of net charge-offs (x) | 60.4011% | 921 |
| Efficiency ratio | 65.0979% | 4,047 |
| Assets per employee ($millions) | 5.2436% | 2,013 |
| Cash dividends to net income (ytd only)* | 45.2194% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 5,481 |
| Loan loss allowance to noncurrent loans | 116.2226% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 3,323 |
| Noncurrent loans to loans | 0.7006% | 3,227 |
| Net loans and leases to total assets | 81.4352% | 650 |
| Net loans and leases to deposits | 131.1642% | 40 |
| Net loans and leases to core deposits | 144.3145% | 140 |
| Total domestic deposits to total assets | 62.0865% | 6,158 |
| Equity capital to assets | 11.8667% | 2,200 |
| Core capital (leverage) ratio | 11.7200% | 1,872 |
| Tier 1 risk-based capital ratio | 15.3818% | 3,100 |
| Total risk-based capital ratio | 16.2757% | 3,218 |
| Memoranda: | ||
| Average total assets | $3,947,095,500 | 230 |
| Average earning assets | $3,704,862,250 | 223 |
| Average equity | $472,644,750 | 225 |
| Average total loans | $3,215,768,750 | 203 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 4,110 |
| Cost of funding earning assets | 0.4442% | 2,789 |
| Net interest margin | 3.3424% | 4,134 |
| Noninterest income to average assets | 1.6524% | 486 |
| Noninterest expense to average assets | 2.9926% | 2,575 |
| Loan and lease loss provision to assets | 0.0556% | 2,998 |
| Net operating income to assets | 1.1444% | 1,797 |
| Return on assets (ROA) | 1.1474% | 1,861 |
| Pretax return on assets | 1.7370% | 1,004 |
| Return on Equity (ROE) | 9.5523% | 2,278 |
| Retained earnings to average equity (ytd only) | 5.9296% | 2,287 |
| Net charge-offs to loans | 0.0158% | 3,391 |
| Credit loss provision to net charge-offs | 433.8645% | 696 |
| Earnings coverage of net charge-offs (x) | 139.5817% | 455 |
| Efficiency ratio | 62.5978% | 4,575 |
| Assets per employee ($millions) | 5.4109% | 1,827 |
| Cash dividends to net income (ytd only)* | 37.9254% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7568% | 5,701 |
| Loan loss allowance to noncurrent loans | 102.6258% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 3,369 |
| Noncurrent loans to loans | 0.7374% | 3,267 |
| Net loans and leases to total assets | 81.4814% | 609 |
| Net loans and leases to deposits | 137.1719% | 28 |
| Net loans and leases to core deposits | 150.1973% | 106 |
| Total domestic deposits to total assets | 59.4009% | 6,253 |
| Equity capital to assets | 11.7305% | 2,223 |
| Core capital (leverage) ratio | 11.8111% | 1,767 |
| Tier 1 risk-based capital ratio | 15.5682% | 3,063 |
| Total risk-based capital ratio | 16.4188% | 3,202 |
| Memoranda: | ||
| Average total assets | $3,918,684,000 | 233 |
| Average earning assets | $3,667,621,330 | 226 |
| Average equity | $470,692,000 | 228 |
| Average total loans | $3,184,126,000 | 205 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 4,145 |
| Cost of funding earning assets | 0.4589% | 2,690 |
| Net interest margin | 3.3073% | 4,186 |
| Noninterest income to average assets | 2.4001% | 287 |
| Noninterest expense to average assets | 3.2625% | 1,816 |
| Loan and lease loss provision to assets | 0.0192% | 3,465 |
| Net operating income to assets | 1.4533% | 931 |
| Return on assets (ROA) | 1.4533% | 992 |
| Pretax return on assets | 2.1997% | 388 |
| Return on Equity (ROE) | 11.9513% | 1,361 |
| Retained earnings to average equity (ytd only) | 8.4020% | 1,412 |
| Net charge-offs to loans | -0.0046% | 4,480 |
| Credit loss provision to net charge-offs | -513.8889% | 4,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5196% | 5,154 |
| Assets per employee ($millions) | 5.3016% | 1,994 |
| Cash dividends to net income (ytd only)* | 29.6980% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 5,742 |
| Loan loss allowance to noncurrent loans | 98.5043% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 3,100 |
| Noncurrent loans to loans | 0.7891% | 3,276 |
| Net loans and leases to total assets | 79.6028% | 730 |
| Net loans and leases to deposits | 125.0703% | 55 |
| Net loans and leases to core deposits | 138.1116% | 164 |
| Total domestic deposits to total assets | 63.6465% | 6,285 |
| Equity capital to assets | 11.9748% | 2,043 |
| Core capital (leverage) ratio | 11.6429% | 1,895 |
| Tier 1 risk-based capital ratio | 16.0070% | 2,918 |
| Total risk-based capital ratio | 16.8681% | 3,033 |
| Memoranda: | ||
| Average total assets | $3,846,230,000 | 234 |
| Average earning assets | $3,583,418,000 | 228 |
| Average equity | $467,699,000 | 225 |
| Average total loans | $3,108,030,000 | 205 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 3,767 |
| Cost of funding earning assets | 0.5152% | 2,531 |
| Net interest margin | 3.4731% | 3,886 |
| Noninterest income to average assets | 1.2045% | 825 |
| Noninterest expense to average assets | 3.0601% | 2,653 |
| Loan and lease loss provision to assets | 0.0807% | 2,863 |
| Net operating income to assets | 0.8513% | 3,112 |
| Return on assets (ROA) | 0.8513% | 3,207 |
| Pretax return on assets | 1.3174% | 2,186 |
| Return on Equity (ROE) | 6.5910% | 3,852 |
| Retained earnings to average equity (ytd only) | 2.9614% | 4,139 |
| Net charge-offs to loans | 0.0532% | 3,766 |
| Credit loss provision to net charge-offs | 193.8305% | 1,274 |
| Earnings coverage of net charge-offs (x) | 33.5634% | 1,234 |
| Efficiency ratio | 68.6387% | 3,785 |
| Assets per employee ($millions) | 5.1767% | 2,092 |
| Cash dividends to net income (ytd only)* | 55.0690% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 5,769 |
| Loan loss allowance to noncurrent loans | 103.1743% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 2,884 |
| Noncurrent loans to loans | 0.7764% | 3,374 |
| Net loans and leases to total assets | 80.7678% | 641 |
| Net loans and leases to deposits | 137.8969% | 27 |
| Net loans and leases to core deposits | 147.4440% | 118 |
| Total domestic deposits to total assets | 58.5712% | 6,420 |
| Equity capital to assets | 12.3553% | 1,728 |
| Core capital (leverage) ratio | 12.2142% | 1,492 |
| Tier 1 risk-based capital ratio | 16.3241% | 2,800 |
| Total risk-based capital ratio | 17.2137% | 2,928 |
| Memoranda: | ||
| Average total assets | $3,540,779,000 | 234 |
| Average earning assets | $3,317,118,200 | 227 |
| Average equity | $457,354,400 | 218 |
| Average total loans | $2,772,960,000 | 212 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 3,778 |
| Cost of funding earning assets | 0.5246% | 2,522 |
| Net interest margin | 3.4710% | 3,938 |
| Noninterest income to average assets | 1.3774% | 655 |
| Noninterest expense to average assets | 3.1063% | 2,452 |
| Loan and lease loss provision to assets | 0.0573% | 3,220 |
| Net operating income to assets | 0.9496% | 2,684 |
| Return on assets (ROA) | 0.9496% | 2,772 |
| Pretax return on assets | 1.4654% | 1,752 |
| Return on Equity (ROE) | 7.2672% | 3,574 |
| Retained earnings to average equity (ytd only) | 3.6276% | 4,066 |
| Net charge-offs to loans | 0.0448% | 3,598 |
| Credit loss provision to net charge-offs | 165.1982% | 1,484 |
| Earnings coverage of net charge-offs (x) | 43.9007% | 1,066 |
| Efficiency ratio | 67.1049% | 4,026 |
| Assets per employee ($millions) | 4.9328% | 2,328 |
| Cash dividends to net income (ytd only)* | 50.0825% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 5,849 |
| Loan loss allowance to noncurrent loans | 109.2520% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9267% | 3,121 |
| Noncurrent loans to loans | 0.7417% | 3,753 |
| Net loans and leases to total assets | 79.8471% | 728 |
| Net loans and leases to deposits | 131.8701% | 37 |
| Net loans and leases to core deposits | 139.9496% | 150 |
| Total domestic deposits to total assets | 60.5498% | 6,486 |
| Equity capital to assets | 12.7526% | 1,552 |
| Core capital (leverage) ratio | 12.6967% | 1,304 |
| Tier 1 risk-based capital ratio | 17.6453% | 2,339 |
| Total risk-based capital ratio | 18.5782% | 2,418 |
| Memoranda: | ||
| Average total assets | $3,490,283,750 | 233 |
| Average earning assets | $3,269,741,500 | 228 |
| Average equity | $456,085,500 | 215 |
| Average total loans | $2,704,361,000 | 212 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 3,653 |
| Cost of funding earning assets | 0.5449% | 2,388 |
| Net interest margin | 3.4753% | 3,877 |
| Noninterest income to average assets | 1.8003% | 411 |
| Noninterest expense to average assets | 3.3397% | 1,821 |
| Loan and lease loss provision to assets | -0.0006% | 6,203 |
| Net operating income to assets | 1.1162% | 1,871 |
| Return on assets (ROA) | 1.1162% | 1,948 |
| Pretax return on assets | 1.7148% | 987 |
| Return on Equity (ROE) | 8.4707% | 2,850 |
| Retained earnings to average equity (ytd only) | 4.8159% | 3,076 |
| Net charge-offs to loans | 0.0185% | 3,851 |
| Credit loss provision to net charge-offs | -4.0984% | 5,058 |
| Earnings coverage of net charge-offs (x) | 121.0779% | 481 |
| Efficiency ratio | 66.0815% | 4,355 |
| Assets per employee ($millions) | 4.7673% | 2,521 |
| Cash dividends to net income (ytd only)* | 43.1460% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 5,900 |
| Loan loss allowance to noncurrent loans | 111.9347% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 3,242 |
| Noncurrent loans to loans | 0.7446% | 3,837 |
| Net loans and leases to total assets | 78.2806% | 878 |
| Net loans and leases to deposits | 126.7987% | 48 |
| Net loans and leases to core deposits | 135.2852% | 177 |
| Total domestic deposits to total assets | 61.7361% | 6,543 |
| Equity capital to assets | 13.2910% | 1,230 |
| Core capital (leverage) ratio | 12.9081% | 1,194 |
| Tier 1 risk-based capital ratio | 18.3731% | 2,109 |
| Total risk-based capital ratio | 19.3131% | 2,190 |
| Memoranda: | ||
| Average total assets | $3,446,808,330 | 235 |
| Average earning assets | $3,226,943,000 | 229 |
| Average equity | $454,203,000 | 215 |
| Average total loans | $2,634,265,000 | 212 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0254% | 3,587 |
| Cost of funding earning assets | 0.5787% | 2,164 |
| Net interest margin | 3.4467% | 3,913 |
| Noninterest income to average assets | 2.5500% | 233 |
| Noninterest expense to average assets | 3.6006% | 1,305 |
| Loan and lease loss provision to assets | -0.0934% | 6,487 |
| Net operating income to assets | 1.4810% | 847 |
| Return on assets (ROA) | 1.4810% | 877 |
| Pretax return on assets | 2.2853% | 314 |
| Return on Equity (ROE) | 11.5694% | 1,527 |
| Retained earnings to average equity (ytd only) | 7.6675% | 1,740 |
| Net charge-offs to loans | -0.0187% | 5,323 |
| Credit loss provision to net charge-offs | 663.2479% | 431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1597% | 5,097 |
| Assets per employee ($millions) | 4.7585% | 2,581 |
| Cash dividends to net income (ytd only)* | 33.7261% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 6,081 |
| Loan loss allowance to noncurrent loans | 91.6064% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.1461% | 2,966 |
| Noncurrent loans to loans | 0.8831% | 3,676 |
| Net loans and leases to total assets | 72.7699% | 1,452 |
| Net loans and leases to deposits | 116.3024% | 96 |
| Net loans and leases to core deposits | 123.9728% | 256 |
| Total domestic deposits to total assets | 62.5696% | 6,612 |
| Equity capital to assets | 12.6595% | 1,482 |
| Core capital (leverage) ratio | 12.3358% | 1,462 |
| Tier 1 risk-based capital ratio | 19.8848% | 1,752 |
| Total risk-based capital ratio | 20.8234% | 1,791 |
| Memoranda: | ||
| Average total assets | $3,323,334,500 | 244 |
| Average earning assets | $3,126,429,500 | 234 |
| Average equity | $425,433,000 | 226 |
| Average total loans | $2,497,511,500 | 223 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 3,155 |
| Cost of funding earning assets | 0.6281% | 2,405 |
| Net interest margin | 3.6204% | 3,374 |
| Noninterest income to average assets | 1.4719% | 647 |
| Noninterest expense to average assets | 3.5095% | 1,627 |
| Loan and lease loss provision to assets | 0.0899% | 3,313 |
| Net operating income to assets | 0.8094% | 3,244 |
| Return on assets (ROA) | 0.8094% | 3,343 |
| Pretax return on assets | 1.2874% | 2,208 |
| Return on Equity (ROE) | 6.2470% | 3,945 |
| Retained earnings to average equity (ytd only) | 2.3754% | 4,552 |
| Net charge-offs to loans | 0.1309% | 3,502 |
| Credit loss provision to net charge-offs | 88.1376% | 2,814 |
| Earnings coverage of net charge-offs (x) | 13.5077% | 2,015 |
| Efficiency ratio | 71.5085% | 3,567 |
| Assets per employee ($millions) | 4.5636% | 2,790 |
| Cash dividends to net income (ytd only)* | 61.9748% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 6,102 |
| Loan loss allowance to noncurrent loans | 106.1457% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 3,148 |
| Noncurrent loans to loans | 0.7818% | 4,019 |
| Net loans and leases to total assets | 76.3754% | 1,024 |
| Net loans and leases to deposits | 122.0929% | 60 |
| Net loans and leases to core deposits | 130.8213% | 188 |
| Total domestic deposits to total assets | 62.5551% | 6,693 |
| Equity capital to assets | 12.9493% | 1,299 |
| Core capital (leverage) ratio | 12.7263% | 1,244 |
| Tier 1 risk-based capital ratio | 19.6318% | 1,745 |
| Total risk-based capital ratio | 20.6076% | 1,785 |
| Memoranda: | ||
| Average total assets | $3,249,300,600 | 237 |
| Average earning assets | $3,064,788,400 | 224 |
| Average equity | $421,021,200 | 221 |
| Average total loans | $2,531,297,800 | 205 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 2,925 |
| Cost of funding earning assets | 0.6362% | 2,497 |
| Net interest margin | 3.6792% | 3,109 |
| Noninterest income to average assets | 1.6446% | 548 |
| Noninterest expense to average assets | 3.4417% | 1,736 |
| Loan and lease loss provision to assets | 0.0987% | 3,113 |
| Net operating income to assets | 1.0140% | 2,323 |
| Return on assets (ROA) | 1.0140% | 2,411 |
| Pretax return on assets | 1.5762% | 1,400 |
| Return on Equity (ROE) | 7.8246% | 3,212 |
| Retained earnings to average equity (ytd only) | 3.9761% | 3,865 |
| Net charge-offs to loans | 0.1293% | 3,237 |
| Credit loss provision to net charge-offs | 97.7642% | 2,444 |
| Earnings coverage of net charge-offs (x) | 16.5874% | 1,791 |
| Efficiency ratio | 67.1042% | 4,285 |
| Assets per employee ($millions) | 4.1695% | 3,486 |
| Cash dividends to net income (ytd only)* | 49.1843% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 6,177 |
| Loan loss allowance to noncurrent loans | 109.1134% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 3,505 |
| Noncurrent loans to loans | 0.7824% | 4,283 |
| Net loans and leases to total assets | 76.4458% | 948 |
| Net loans and leases to deposits | 119.0531% | 73 |
| Net loans and leases to core deposits | 127.3731% | 220 |
| Total domestic deposits to total assets | 64.2115% | 6,747 |
| Equity capital to assets | 13.2210% | 1,231 |
| Core capital (leverage) ratio | 13.0062% | 1,202 |
| Tier 1 risk-based capital ratio | 20.1568% | 1,699 |
| Total risk-based capital ratio | 21.1697% | 1,726 |
| Memoranda: | ||
| Average total assets | $3,248,157,000 | 232 |
| Average earning assets | $3,065,291,250 | 220 |
| Average equity | $420,938,000 | 219 |
| Average total loans | $2,537,633,500 | 201 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 2,893 |
| Cost of funding earning assets | 0.6395% | 2,592 |
| Net interest margin | 3.6749% | 3,062 |
| Noninterest income to average assets | 2.0056% | 442 |
| Noninterest expense to average assets | 3.5936% | 1,419 |
| Loan and lease loss provision to assets | 0.0242% | 4,433 |
| Net operating income to assets | 1.2068% | 1,579 |
| Return on assets (ROA) | 1.2068% | 1,680 |
| Pretax return on assets | 1.8532% | 818 |
| Return on Equity (ROE) | 9.3743% | 2,466 |
| Retained earnings to average equity (ytd only) | 5.5627% | 2,697 |
| Net charge-offs to loans | 0.1066% | 3,298 |
| Credit loss provision to net charge-offs | 28.8856% | 3,609 |
| Earnings coverage of net charge-offs (x) | 22.4399% | 1,368 |
| Efficiency ratio | 65.5713% | 4,622 |
| Assets per employee ($millions) | 4.1793% | 3,408 |
| Cash dividends to net income (ytd only)* | 40.6607% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 6,375 |
| Loan loss allowance to noncurrent loans | 90.0655% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1775% | 3,398 |
| Noncurrent loans to loans | 0.8771% | 4,166 |
| Net loans and leases to total assets | 79.3096% | 603 |
| Net loans and leases to deposits | 126.2521% | 51 |
| Net loans and leases to core deposits | 134.8031% | 160 |
| Total domestic deposits to total assets | 62.8185% | 6,816 |
| Equity capital to assets | 13.2299% | 1,244 |
| Core capital (leverage) ratio | 12.8897% | 1,206 |
| Tier 1 risk-based capital ratio | 19.4873% | 1,860 |
| Total risk-based capital ratio | 20.4267% | 1,916 |
| Memoranda: | ||
| Average total assets | $3,260,702,330 | 230 |
| Average earning assets | $3,074,831,670 | 220 |
| Average equity | $419,763,330 | 221 |
| Average total loans | $2,558,364,670 | 198 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,878 |
| Cost of funding earning assets | 0.6470% | 2,692 |
| Net interest margin | 3.6563% | 3,051 |
| Noninterest income to average assets | 2.6891% | 287 |
| Noninterest expense to average assets | 3.6617% | 1,315 |
| Loan and lease loss provision to assets | -0.0610% | 6,798 |
| Net operating income to assets | 1.6099% | 694 |
| Return on assets (ROA) | 1.6099% | 754 |
| Pretax return on assets | 2.5280% | 259 |
| Return on Equity (ROE) | 12.6765% | 1,249 |
| Retained earnings to average equity (ytd only) | 8.9912% | 1,385 |
| Net charge-offs to loans | -0.0749% | 6,310 |
| Credit loss provision to net charge-offs | 104.8017% | 1,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6461% | 5,637 |
| Assets per employee ($millions) | 4.2663% | 3,394 |
| Cash dividends to net income (ytd only)* | 29.0720% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 6,399 |
| Loan loss allowance to noncurrent loans | 108.1396% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.1438% | 3,655 |
| Noncurrent loans to loans | 0.7713% | 4,582 |
| Net loans and leases to total assets | 76.3946% | 792 |
| Net loans and leases to deposits | 120.2444% | 62 |
| Net loans and leases to core deposits | 129.0794% | 182 |
| Total domestic deposits to total assets | 63.5327% | 6,880 |
| Equity capital to assets | 12.8308% | 1,511 |
| Core capital (leverage) ratio | 12.4374% | 1,364 |
| Tier 1 risk-based capital ratio | 19.5405% | 1,896 |
| Total risk-based capital ratio | 21.6317% | 1,654 |
| Memoranda: | ||
| Average total assets | $3,290,371,000 | 232 |
| Average earning assets | $3,095,386,500 | 222 |
| Average equity | $417,877,000 | 228 |
| Average total loans | $2,557,943,500 | 202 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8121% | 358 |
| Cost of funding earning assets | 0.7030% | 3,469 |
| Net interest margin | 5.1091% | 321 |
| Noninterest income to average assets | 5.0371% | 143 |
| Noninterest expense to average assets | 3.7425% | 1,338 |
| Loan and lease loss provision to assets | 0.4162% | 1,539 |
| Net operating income to assets | 3.6949% | 70 |
| Return on assets (ROA) | 3.6960% | 70 |
| Pretax return on assets | 5.6968% | 49 |
| Return on Equity (ROE) | 26.1548% | 100 |
| Retained earnings to average equity (ytd only) | 1.1427% | 5,302 |
| Net charge-offs to loans | 0.6049% | 1,920 |
| Credit loss provision to net charge-offs | 93.2931% | 3,338 |
| Earnings coverage of net charge-offs (x) | 13.6973% | 1,798 |
| Efficiency ratio | 37.9383% | 6,973 |
| Assets per employee ($millions) | 4.2690% | 3,421 |
| Cash dividends to net income (ytd only)* | 95.6311% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 6,444 |
| Loan loss allowance to noncurrent loans | 114.5615% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 1.3366% | 3,407 |
| Noncurrent loans to loans | 0.7172% | 4,749 |
| Net loans and leases to total assets | 77.8002% | 702 |
| Net loans and leases to deposits | 126.8783% | 49 |
| Net loans and leases to core deposits | 136.5351% | 144 |
| Total domestic deposits to total assets | 61.3188% | 6,966 |
| Equity capital to assets | 12.5690% | 1,655 |
| Core capital (leverage) ratio | 12.1913% | 1,455 |
| Tier 1 risk-based capital ratio | 18.3757% | 2,145 |
| Total risk-based capital ratio | 20.3897% | 1,891 |
| Memoranda: | ||
| Average total assets | $3,264,920,000 | 235 |
| Average earning assets | $3,078,051,000 | 220 |
| Average equity | $461,375,400 | 207 |
| Average total loans | $2,408,111,800 | 206 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2444% | 195 |
| Cost of funding earning assets | 0.7164% | 3,623 |
| Net interest margin | 5.5279% | 167 |
| Noninterest income to average assets | 6.3537% | 105 |
| Noninterest expense to average assets | 3.8878% | 1,076 |
| Loan and lease loss provision to assets | 0.5038% | 1,215 |
| Net operating income to assets | 4.6577% | 49 |
| Return on assets (ROA) | 4.6592% | 50 |
| Pretax return on assets | 7.1823% | 42 |
| Return on Equity (ROE) | 32.0769% | 57 |
| Retained earnings to average equity (ytd only) | 28.8241% | 37 |
| Net charge-offs to loans | 0.7582% | 1,456 |
| Credit loss provision to net charge-offs | 91.5694% | 3,248 |
| Earnings coverage of net charge-offs (x) | 13.9647% | 1,873 |
| Efficiency ratio | 33.5974% | 7,098 |
| Assets per employee ($millions) | 4.4599% | 2,982 |
| Cash dividends to net income (ytd only)* | 10.1406% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 6,555 |
| Loan loss allowance to noncurrent loans | 123.9830% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.2422% | 3,812 |
| Noncurrent loans to loans | 0.6624% | 5,120 |
| Net loans and leases to total assets | 76.3368% | 918 |
| Net loans and leases to deposits | 126.4601% | 54 |
| Net loans and leases to core deposits | 135.5900% | 158 |
| Total domestic deposits to total assets | 60.3643% | 7,061 |
| Equity capital to assets | 15.3362% | 743 |
| Core capital (leverage) ratio | 15.6168% | 521 |
| Tier 1 risk-based capital ratio | 22.8240% | 1,195 |
| Total risk-based capital ratio | 24.8381% | 1,056 |
| Memoranda: | ||
| Average total assets | $3,259,369,000 | 235 |
| Average earning assets | $3,076,620,750 | 221 |
| Average equity | $473,430,000 | 204 |
| Average total loans | $2,365,495,500 | 209 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2694% | 71 |
| Cost of funding earning assets | 0.7367% | 3,708 |
| Net interest margin | 6.5327% | 66 |
| Noninterest income to average assets | 7.4544% | 98 |
| Noninterest expense to average assets | 4.1033% | 834 |
| Loan and lease loss provision to assets | 0.6881% | 806 |
| Net operating income to assets | 5.7182% | 39 |
| Return on assets (ROA) | 5.7204% | 39 |
| Pretax return on assets | 8.8360% | 33 |
| Return on Equity (ROE) | 40.1509% | 40 |
| Retained earnings to average equity (ytd only) | 36.8114% | 34 |
| Net charge-offs to loans | 1.1259% | 961 |
| Credit loss provision to net charge-offs | 85.9923% | 3,160 |
| Earnings coverage of net charge-offs (x) | 11.8981% | 1,929 |
| Efficiency ratio | 30.1185% | 7,179 |
| Assets per employee ($millions) | 4.3809% | 3,118 |
| Cash dividends to net income (ytd only)* | 8.3172% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 6,543 |
| Loan loss allowance to noncurrent loans | 100.7975% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1890% | 4,029 |
| Noncurrent loans to loans | 0.8559% | 4,800 |
| Net loans and leases to total assets | 73.8268% | 1,276 |
| Net loans and leases to deposits | 125.7317% | 51 |
| Net loans and leases to core deposits | 134.8668% | 176 |
| Total domestic deposits to total assets | 58.7177% | 7,143 |
| Equity capital to assets | 15.5329% | 671 |
| Core capital (leverage) ratio | 15.0137% | 596 |
| Tier 1 risk-based capital ratio | 24.1052% | 1,000 |
| Total risk-based capital ratio | 26.2732% | 886 |
| Memoranda: | ||
| Average total assets | $3,236,787,670 | 237 |
| Average earning assets | $3,056,848,330 | 223 |
| Average equity | $461,155,670 | 208 |
| Average total loans | $2,300,379,670 | 213 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1540% | 26 |
| Cost of funding earning assets | 0.7833% | 3,600 |
| Net interest margin | 9.3707% | 23 |
| Noninterest income to average assets | 13.0405% | 62 |
| Noninterest expense to average assets | 4.9035% | 398 |
| Loan and lease loss provision to assets | 1.3046% | 283 |
| Net operating income to assets | 10.1281% | 20 |
| Return on assets (ROA) | 10.1325% | 21 |
| Pretax return on assets | 15.6914% | 19 |
| Return on Equity (ROE) | 74.3671% | 15 |
| Retained earnings to average equity (ytd only) | 70.9122% | 12 |
| Net charge-offs to loans | 2.0213% | 462 |
| Credit loss provision to net charge-offs | 92.9685% | 2,496 |
| Earnings coverage of net charge-offs (x) | 12.1068% | 1,626 |
| Efficiency ratio | 22.3977% | 7,268 |
| Assets per employee ($millions) | 4.5789% | 2,848 |
| Cash dividends to net income (ytd only)* | 4.6458% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 6,499 |
| Loan loss allowance to noncurrent loans | 102.4905% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3622% | 3,842 |
| Noncurrent loans to loans | 0.8931% | 4,879 |
| Net loans and leases to total assets | 71.5154% | 1,481 |
| Net loans and leases to deposits | 115.5168% | 94 |
| Net loans and leases to core deposits | 124.6525% | 244 |
| Total domestic deposits to total assets | 61.9091% | 7,170 |
| Equity capital to assets | 15.0339% | 742 |
| Core capital (leverage) ratio | 12.7803% | 1,213 |
| Tier 1 risk-based capital ratio | 23.7553% | 1,031 |
| Total risk-based capital ratio | 25.9684% | 920 |
| Memoranda: | ||
| Average total assets | $3,271,490,000 | 233 |
| Average earning assets | $3,090,449,500 | 219 |
| Average equity | $445,740,000 | 209 |
| Average total loans | $2,271,205,000 | 214 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3009% | 252 |
| Cost of funding earning assets | 0.9494% | 3,729 |
| Net interest margin | 5.3516% | 221 |
| Noninterest income to average assets | 3.6383% | 174 |
| Noninterest expense to average assets | 3.6603% | 1,612 |
| Loan and lease loss provision to assets | 0.5519% | 1,889 |
| Net operating income to assets | 2.9055% | 94 |
| Return on assets (ROA) | 2.9421% | 90 |
| Pretax return on assets | 4.5076% | 64 |
| Return on Equity (ROE) | 24.2048% | 131 |
| Retained earnings to average equity (ytd only) | 15.1595% | 122 |
| Net charge-offs to loans | 0.7677% | 2,237 |
| Credit loss provision to net charge-offs | 107.6192% | 3,139 |
| Earnings coverage of net charge-offs (x) | 9.7563% | 1,940 |
| Efficiency ratio | 42.2505% | 7,165 |
| Assets per employee ($millions) | 4.8115% | 2,436 |
| Cash dividends to net income (ytd only)* | 37.3698% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 6,209 |
| Loan loss allowance to noncurrent loans | 100.3941% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 4,667 |
| Noncurrent loans to loans | 0.9993% | 4,707 |
| Net loans and leases to total assets | 66.0672% | 2,769 |
| Net loans and leases to deposits | 129.3044% | 55 |
| Net loans and leases to core deposits | 139.9028% | 172 |
| Total domestic deposits to total assets | 51.0943% | 7,283 |
| Equity capital to assets | 12.2491% | 1,937 |
| Core capital (leverage) ratio | 12.7896% | 1,228 |
| Tier 1 risk-based capital ratio | 20.6557% | 1,490 |
| Total risk-based capital ratio | 23.0022% | 1,241 |
| Memoranda: | ||
| Average total assets | $3,219,735,200 | 231 |
| Average earning assets | $3,023,290,800 | 220 |
| Average equity | $391,364,200 | 225 |
| Average total loans | $2,150,736,800 | 224 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0433% | 95 |
| Cost of funding earning assets | 0.9949% | 3,716 |
| Net interest margin | 6.0484% | 87 |
| Noninterest income to average assets | 4.6225% | 136 |
| Noninterest expense to average assets | 3.9268% | 1,108 |
| Loan and lease loss provision to assets | 0.7219% | 1,328 |
| Net operating income to assets | 3.6466% | 67 |
| Return on assets (ROA) | 3.6958% | 69 |
| Pretax return on assets | 5.7103% | 54 |
| Return on Equity (ROE) | 30.4665% | 54 |
| Retained earnings to average equity (ytd only) | 19.6202% | 82 |
| Net charge-offs to loans | 1.0095% | 1,593 |
| Credit loss provision to net charge-offs | 107.0236% | 3,089 |
| Earnings coverage of net charge-offs (x) | 9.4237% | 2,049 |
| Efficiency ratio | 38.1863% | 7,284 |
| Assets per employee ($millions) | 4.3312% | 3,212 |
| Cash dividends to net income (ytd only)* | 35.6006% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 6,136 |
| Loan loss allowance to noncurrent loans | 101.5480% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0704% | 4,631 |
| Noncurrent loans to loans | 1.0121% | 4,867 |
| Net loans and leases to total assets | 71.2279% | 1,862 |
| Net loans and leases to deposits | 121.0538% | 83 |
| Net loans and leases to core deposits | 132.1068% | 222 |
| Total domestic deposits to total assets | 58.8399% | 7,315 |
| Equity capital to assets | 13.6555% | 1,305 |
| Core capital (leverage) ratio | 13.1473% | 1,173 |
| Tier 1 risk-based capital ratio | 21.0386% | 1,449 |
| Total risk-based capital ratio | 23.4361% | 1,235 |
| Memoranda: | ||
| Average total assets | $3,197,092,000 | 232 |
| Average earning assets | $2,992,161,000 | 221 |
| Average equity | $387,834,750 | 226 |
| Average total loans | $2,136,122,750 | 225 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1787% | 50 |
| Cost of funding earning assets | 1.0117% | 3,880 |
| Net interest margin | 7.1670% | 50 |
| Noninterest income to average assets | 6.1674% | 113 |
| Noninterest expense to average assets | 4.2092% | 823 |
| Loan and lease loss provision to assets | 1.0739% | 776 |
| Net operating income to assets | 4.8709% | 52 |
| Return on assets (ROA) | 4.9347% | 53 |
| Pretax return on assets | 7.6746% | 43 |
| Return on Equity (ROE) | 42.2935% | 31 |
| Retained earnings to average equity (ytd only) | 27.7708% | 47 |
| Net charge-offs to loans | 1.3578% | 1,123 |
| Credit loss provision to net charge-offs | 121.2111% | 2,514 |
| Earnings coverage of net charge-offs (x) | 9.7623% | 1,879 |
| Efficiency ratio | 32.7360% | 7,421 |
| Assets per employee ($millions) | 4.1818% | 3,390 |
| Cash dividends to net income (ytd only)* | 34.3378% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 5,935 |
| Loan loss allowance to noncurrent loans | 91.9226% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 4,438 |
| Noncurrent loans to loans | 1.2028% | 4,647 |
| Net loans and leases to total assets | 71.7317% | 1,835 |
| Net loans and leases to deposits | 120.8302% | 85 |
| Net loans and leases to core deposits | 132.2995% | 248 |
| Total domestic deposits to total assets | 59.3657% | 7,380 |
| Equity capital to assets | 13.3973% | 1,340 |
| Core capital (leverage) ratio | 12.7022% | 1,289 |
| Tier 1 risk-based capital ratio | 20.9163% | 1,438 |
| Total risk-based capital ratio | 23.4151% | 1,199 |
| Memoranda: | ||
| Average total assets | $3,269,490,670 | 231 |
| Average earning assets | $3,052,192,000 | 224 |
| Average equity | $381,472,670 | 230 |
| Average total loans | $2,133,310,670 | 229 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5633% | 25 |
| Cost of funding earning assets | 1.0363% | 3,945 |
| Net interest margin | 10.5270% | 24 |
| Noninterest income to average assets | 10.2664% | 67 |
| Noninterest expense to average assets | 4.8624% | 408 |
| Loan and lease loss provision to assets | 2.1293% | 253 |
| Net operating income to assets | 8.4410% | 30 |
| Return on assets (ROA) | 8.4197% | 30 |
| Pretax return on assets | 13.0210% | 25 |
| Return on Equity (ROE) | 77.1805% | 15 |
| Retained earnings to average equity (ytd only) | 51.5296% | 24 |
| Net charge-offs to loans | 2.2602% | 536 |
| Credit loss provision to net charge-offs | 151.8153% | 1,885 |
| Earnings coverage of net charge-offs (x) | 10.8253% | 1,605 |
| Efficiency ratio | 24.2571% | 7,516 |
| Assets per employee ($millions) | 4.4519% | 2,973 |
| Cash dividends to net income (ytd only)* | 33.2349% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 5,204 |
| Loan loss allowance to noncurrent loans | 112.5275% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 4,718 |
| Noncurrent loans to loans | 1.1420% | 4,794 |
| Net loans and leases to total assets | 63.1888% | 3,606 |
| Net loans and leases to deposits | 105.8589% | 255 |
| Net loans and leases to core deposits | 115.2565% | 552 |
| Total domestic deposits to total assets | 59.6915% | 7,437 |
| Equity capital to assets | 12.0219% | 1,907 |
| Core capital (leverage) ratio | 9.7947% | 3,394 |
| Tier 1 risk-based capital ratio | 20.9301% | 1,412 |
| Total risk-based capital ratio | 23.4451% | 1,173 |
| Memoranda: | ||
| Average total assets | $3,409,229,500 | 225 |
| Average earning assets | $3,167,026,500 | 218 |
| Average equity | $371,918,000 | 227 |
| Average total loans | $2,115,584,000 | 230 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1338% | 648 |
| Cost of funding earning assets | 1.1239% | 5,005 |
| Net interest margin | 5.0099% | 422 |
| Noninterest income to average assets | 2.6710% | 268 |
| Noninterest expense to average assets | 3.6900% | 1,723 |
| Loan and lease loss provision to assets | 0.5084% | 3,124 |
| Net operating income to assets | 2.0974% | 236 |
| Return on assets (ROA) | 2.0930% | 251 |
| Pretax return on assets | 3.1781% | 104 |
| Return on Equity (ROE) | 20.8324% | 208 |
| Retained earnings to average equity (ytd only) | 16.0482% | 99 |
| Net charge-offs to loans | 0.7851% | 2,675 |
| Credit loss provision to net charge-offs | 98.2833% | 4,708 |
| Earnings coverage of net charge-offs (x) | 7.1393% | 2,192 |
| Efficiency ratio | 49.9777% | 7,130 |
| Assets per employee ($millions) | 4.8474% | 2,346 |
| Cash dividends to net income (ytd only)* | 22.9655% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 6,444 |
| Loan loss allowance to noncurrent loans | 79.6692% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 4,953 |
| Noncurrent loans to loans | 1.2364% | 4,653 |
| Net loans and leases to total assets | 59.6321% | 4,741 |
| Net loans and leases to deposits | 94.3986% | 1,019 |
| Net loans and leases to core deposits | 143.7448% | 201 |
| Total domestic deposits to total assets | 63.1705% | 7,460 |
| Equity capital to assets | 9.8689% | 3,913 |
| Core capital (leverage) ratio | 10.7593% | 2,338 |
| Tier 1 risk-based capital ratio | 18.7593% | 1,778 |
| Total risk-based capital ratio | 21.1989% | 1,468 |
| Memoranda: | ||
| Average total assets | $3,276,715,600 | 231 |
| Average earning assets | $3,082,109,400 | 223 |
| Average equity | $329,202,800 | 240 |
| Average total loans | $2,159,053,600 | 227 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9121% | 166 |
| Cost of funding earning assets | 1.1723% | 5,025 |
| Net interest margin | 5.7399% | 127 |
| Noninterest income to average assets | 3.3119% | 199 |
| Noninterest expense to average assets | 4.0059% | 1,034 |
| Loan and lease loss provision to assets | 0.6323% | 2,410 |
| Net operating income to assets | 2.6493% | 117 |
| Return on assets (ROA) | 2.6459% | 124 |
| Pretax return on assets | 4.0450% | 72 |
| Return on Equity (ROE) | 26.2085% | 93 |
| Retained earnings to average equity (ytd only) | 21.3199% | 65 |
| Net charge-offs to loans | 0.8543% | 2,309 |
| Credit loss provision to net charge-offs | 109.7466% | 3,865 |
| Earnings coverage of net charge-offs (x) | 8.1275% | 2,209 |
| Efficiency ratio | 46.1059% | 7,381 |
| Assets per employee ($millions) | 4.0712% | 3,696 |
| Cash dividends to net income (ytd only)* | 18.6526% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 6,044 |
| Loan loss allowance to noncurrent loans | 66.2524% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.3128% | 4,523 |
| Noncurrent loans to loans | 1.6222% | 4,215 |
| Net loans and leases to total assets | 70.8124% | 2,529 |
| Net loans and leases to deposits | 124.6688% | 91 |
| Net loans and leases to core deposits | 140.8472% | 255 |
| Total domestic deposits to total assets | 56.8005% | 7,632 |
| Equity capital to assets | 11.8420% | 2,258 |
| Core capital (leverage) ratio | 11.1580% | 2,152 |
| Tier 1 risk-based capital ratio | 18.7060% | 1,823 |
| Total risk-based capital ratio | 21.2372% | 1,520 |
| Memoranda: | ||
| Average total assets | $3,214,887,500 | 230 |
| Average earning assets | $3,011,404,750 | 224 |
| Average equity | $324,558,000 | 240 |
| Average total loans | $2,168,227,750 | 226 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8849% | 67 |
| Cost of funding earning assets | 1.1751% | 5,266 |
| Net interest margin | 6.7098% | 61 |
| Noninterest income to average assets | 4.3596% | 157 |
| Noninterest expense to average assets | 4.4160% | 638 |
| Loan and lease loss provision to assets | 1.0503% | 1,380 |
| Net operating income to assets | 3.3597% | 60 |
| Return on assets (ROA) | 3.3547% | 64 |
| Pretax return on assets | 5.1571% | 48 |
| Return on Equity (ROE) | 35.0185% | 33 |
| Retained earnings to average equity (ytd only) | 29.9402% | 24 |
| Net charge-offs to loans | 1.3649% | 1,399 |
| Credit loss provision to net charge-offs | 116.2009% | 3,494 |
| Earnings coverage of net charge-offs (x) | 6.8762% | 2,392 |
| Efficiency ratio | 41.5393% | 7,609 |
| Assets per employee ($millions) | 4.2102% | 3,366 |
| Cash dividends to net income (ytd only)* | 14.5016% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,932 |
| Loan loss allowance to noncurrent loans | 69.4624% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 4,567 |
| Noncurrent loans to loans | 1.5860% | 4,331 |
| Net loans and leases to total assets | 69.8503% | 2,935 |
| Net loans and leases to deposits | 120.9070% | 114 |
| Net loans and leases to core deposits | 141.9257% | 266 |
| Total domestic deposits to total assets | 57.7719% | 7,688 |
| Equity capital to assets | 11.2979% | 2,599 |
| Core capital (leverage) ratio | 11.0421% | 2,207 |
| Tier 1 risk-based capital ratio | 18.2095% | 1,893 |
| Total risk-based capital ratio | 20.7344% | 1,582 |
| Memoranda: | ||
| Average total assets | $3,309,440,000 | 228 |
| Average earning assets | $3,093,202,670 | 219 |
| Average equity | $317,038,330 | 244 |
| Average total loans | $2,191,561,670 | 225 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7424% | 38 |
| Cost of funding earning assets | 1.2296% | 5,232 |
| Net interest margin | 9.5128% | 37 |
| Noninterest income to average assets | 6.9489% | 96 |
| Noninterest expense to average assets | 5.7648% | 242 |
| Loan and lease loss provision to assets | 1.9124% | 584 |
| Net operating income to assets | 5.2645% | 39 |
| Return on assets (ROA) | 5.2593% | 40 |
| Pretax return on assets | 8.1146% | 34 |
| Return on Equity (ROE) | 59.6082% | 17 |
| Retained earnings to average equity (ytd only) | 54.0833% | 15 |
| Net charge-offs to loans | 2.4950% | 656 |
| Credit loss provision to net charge-offs | 119.2430% | 2,920 |
| Earnings coverage of net charge-offs (x) | 6.2571% | 2,256 |
| Efficiency ratio | 36.4864% | 7,789 |
| Assets per employee ($millions) | 4.2125% | 3,439 |
| Cash dividends to net income (ytd only)* | 9.2687% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 6,117 |
| Loan loss allowance to noncurrent loans | 66.5384% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 4,516 |
| Noncurrent loans to loans | 1.6176% | 4,321 |
| Net loans and leases to total assets | 71.2999% | 2,619 |
| Net loans and leases to deposits | 120.2341% | 135 |
| Net loans and leases to core deposits | 140.5551% | 322 |
| Total domestic deposits to total assets | 59.3009% | 7,766 |
| Equity capital to assets | 10.8709% | 2,875 |
| Core capital (leverage) ratio | 7.5947% | 6,747 |
| Tier 1 risk-based capital ratio | 17.0748% | 2,245 |
| Total risk-based capital ratio | 19.5309% | 1,847 |
| Memoranda: | ||
| Average total assets | $3,446,371,000 | 228 |
| Average earning assets | $3,206,586,000 | 216 |
| Average equity | $304,079,000 | 255 |
| Average total loans | $2,215,352,500 | 231 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4182% | 796 |
| Cost of funding earning assets | 1.5240% | 5,408 |
| Net interest margin | 4.8941% | 566 |
| Noninterest income to average assets | 1.4712% | 661 |
| Noninterest expense to average assets | 3.1301% | 3,613 |
| Loan and lease loss provision to assets | 0.9626% | 2,348 |
| Net operating income to assets | 1.1981% | 1,249 |
| Return on assets (ROA) | 1.0877% | 1,590 |
| Pretax return on assets | 1.6927% | 794 |
| Return on Equity (ROE) | 13.4572% | 878 |
| Retained earnings to average equity (ytd only) | 0.7375% | 4,493 |
| Net charge-offs to loans | 1.1386% | 2,147 |
| Credit loss provision to net charge-offs | 126.7606% | 4,106 |
| Earnings coverage of net charge-offs (x) | 3.7237% | 3,230 |
| Efficiency ratio | 52.5374% | 7,347 |
| Assets per employee ($millions) | 5.1941% | 1,954 |
| Cash dividends to net income (ytd only)* | 94.5195% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,593 |
| Loan loss allowance to noncurrent loans | 55.2855% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 4,887 |
| Noncurrent loans to loans | 1.7315% | 4,037 |
| Net loans and leases to total assets | 57.4467% | 5,748 |
| Net loans and leases to deposits | 86.1932% | 2,878 |
| Net loans and leases to core deposits | 110.0804% | 2,884 |
| Total domestic deposits to total assets | 66.6487% | 7,616 |
| Equity capital to assets | 7.1737% | 7,280 |
| Core capital (leverage) ratio | 8.5541% | 5,183 |
| Tier 1 risk-based capital ratio | 14.0775% | 3,452 |
| Total risk-based capital ratio | 16.4266% | 2,814 |
| Memoranda: | ||
| Average total assets | $3,375,165,600 | 230 |
| Average earning assets | $3,094,213,600 | 225 |
| Average equity | $272,805,000 | 272 |
| Average total loans | $2,251,158,000 | 234 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3054% | 190 |
| Cost of funding earning assets | 1.6906% | 4,948 |
| Net interest margin | 5.6148% | 162 |
| Noninterest income to average assets | 1.6926% | 515 |
| Noninterest expense to average assets | 3.3083% | 2,886 |
| Loan and lease loss provision to assets | 1.1390% | 1,711 |
| Net operating income to assets | 1.4745% | 866 |
| Return on assets (ROA) | 1.3211% | 1,241 |
| Pretax return on assets | 2.0939% | 447 |
| Return on Equity (ROE) | 15.8241% | 678 |
| Retained earnings to average equity (ytd only) | 0.7319% | 4,879 |
| Net charge-offs to loans | 1.3917% | 1,481 |
| Credit loss provision to net charge-offs | 118.2046% | 4,297 |
| Earnings coverage of net charge-offs (x) | 3.6039% | 3,461 |
| Efficiency ratio | 48.7882% | 7,630 |
| Assets per employee ($millions) | 3.9041% | 3,931 |
| Cash dividends to net income (ytd only)* | 95.3750% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 7,024 |
| Loan loss allowance to noncurrent loans | 50.4358% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 1.3421% | 4,406 |
| Noncurrent loans to loans | 1.6469% | 4,173 |
| Net loans and leases to total assets | 75.7770% | 2,036 |
| Net loans and leases to deposits | 137.4045% | 78 |
| Net loans and leases to core deposits | 156.1982% | 458 |
| Total domestic deposits to total assets | 55.1489% | 7,935 |
| Equity capital to assets | 9.3156% | 5,012 |
| Core capital (leverage) ratio | 9.0393% | 4,589 |
| Tier 1 risk-based capital ratio | 13.8500% | 3,629 |
| Total risk-based capital ratio | 16.0343% | 3,089 |
| Memoranda: | ||
| Average total assets | $3,264,547,500 | 245 |
| Average earning assets | $2,958,535,000 | 240 |
| Average equity | $272,539,500 | 280 |
| Average total loans | $2,260,371,500 | 244 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2554% | 76 |
| Cost of funding earning assets | 1.8120% | 4,701 |
| Net interest margin | 6.4433% | 72 |
| Noninterest income to average assets | 1.9411% | 394 |
| Noninterest expense to average assets | 3.3402% | 2,825 |
| Loan and lease loss provision to assets | 1.5842% | 1,069 |
| Net operating income to assets | 1.7478% | 517 |
| Return on assets (ROA) | 1.5573% | 803 |
| Pretax return on assets | 2.4989% | 217 |
| Return on Equity (ROE) | 19.3027% | 384 |
| Retained earnings to average equity (ytd only) | -0.5341% | 5,359 |
| Net charge-offs to loans | 1.9510% | 953 |
| Credit loss provision to net charge-offs | 120.9093% | 3,839 |
| Earnings coverage of net charge-offs (x) | 3.3434% | 3,475 |
| Efficiency ratio | 43.2617% | 7,945 |
| Assets per employee ($millions) | 4.0291% | 3,624 |
| Cash dividends to net income (ytd only)* | 102.7671% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 7,026 |
| Loan loss allowance to noncurrent loans | 63.2898% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0626% | 4,844 |
| Noncurrent loans to loans | 1.3236% | 4,568 |
| Net loans and leases to total assets | 74.7730% | 2,501 |
| Net loans and leases to deposits | 131.7967% | 105 |
| Net loans and leases to core deposits | 151.3672% | 616 |
| Total domestic deposits to total assets | 56.7335% | 7,997 |
| Equity capital to assets | 8.9605% | 5,372 |
| Core capital (leverage) ratio | 8.4800% | 5,483 |
| Tier 1 risk-based capital ratio | 13.3531% | 3,899 |
| Total risk-based capital ratio | 15.4945% | 3,315 |
| Memoranda: | ||
| Average total assets | $3,374,110,670 | 246 |
| Average earning assets | $3,026,666,330 | 245 |
| Average equity | $272,221,670 | 286 |
| Average total loans | $2,266,048,670 | 256 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9756% | 34 |
| Cost of funding earning assets | 2.0676% | 3,802 |
| Net interest margin | 8.9080% | 34 |
| Noninterest income to average assets | 2.3390% | 275 |
| Noninterest expense to average assets | 3.4924% | 2,121 |
| Loan and lease loss provision to assets | 2.8701% | 387 |
| Net operating income to assets | 2.3557% | 170 |
| Return on assets (ROA) | 2.1310% | 306 |
| Pretax return on assets | 3.4820% | 81 |
| Return on Equity (ROE) | 27.7058% | 133 |
| Retained earnings to average equity (ytd only) | 22.5935% | 121 |
| Net charge-offs to loans | 3.9745% | 306 |
| Credit loss provision to net charge-offs | 113.3916% | 3,427 |
| Earnings coverage of net charge-offs (x) | 2.6483% | 3,435 |
| Efficiency ratio | 34.2538% | 8,122 |
| Assets per employee ($millions) | 4.3846% | 2,914 |
| Cash dividends to net income (ytd only)* | 18.4521% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 7,277 |
| Loan loss allowance to noncurrent loans | 73.9518% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 5,036 |
| Noncurrent loans to loans | 1.0323% | 4,925 |
| Net loans and leases to total assets | 69.3433% | 3,835 |
| Net loans and leases to deposits | 122.3214% | 247 |
| Net loans and leases to core deposits | 139.6384% | 1,118 |
| Total domestic deposits to total assets | 56.6895% | 8,034 |
| Equity capital to assets | 8.7153% | 5,744 |
| Core capital (leverage) ratio | 6.7917% | 7,769 |
| Tier 1 risk-based capital ratio | 13.8124% | 3,690 |
| Total risk-based capital ratio | 15.8341% | 3,195 |
| Memoranda: | ||
| Average total assets | $3,560,324,500 | 241 |
| Average earning assets | $3,140,096,000 | 243 |
| Average equity | $273,849,000 | 283 |
| Average total loans | $2,267,369,000 | 256 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7217% | 1,951 |
| Cost of funding earning assets | 2.3950% | 4,735 |
| Net interest margin | 4.3268% | 1,894 |
| Noninterest income to average assets | 1.8948% | 376 |
| Noninterest expense to average assets | 3.2388% | 3,193 |
| Loan and lease loss provision to assets | 0.4740% | 2,928 |
| Net operating income to assets | 1.4011% | 1,226 |
| Return on assets (ROA) | 1.1066% | 2,034 |
| Pretax return on assets | 1.7087% | 1,124 |
| Return on Equity (ROE) | 13.8023% | 1,151 |
| Retained earnings to average equity (ytd only) | 9.4838% | 522 |
| Net charge-offs to loans | 0.5678% | 2,113 |
| Credit loss provision to net charge-offs | 115.7548% | 4,664 |
| Earnings coverage of net charge-offs (x) | 6.4362% | 3,361 |
| Efficiency ratio | 55.1329% | 7,135 |
| Assets per employee ($millions) | 5.5011% | 1,457 |
| Cash dividends to net income (ytd only)* | 31.2880% | 4,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6340% | 7,600 |
| Loan loss allowance to noncurrent loans | 106.9441% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 5,821 |
| Noncurrent loans to loans | 0.5929% | 5,596 |
| Net loans and leases to total assets | 58.1042% | 6,184 |
| Net loans and leases to deposits | 83.1804% | 4,550 |
| Net loans and leases to core deposits | 92.5468% | 5,588 |
| Total domestic deposits to total assets | 69.8532% | 7,290 |
| Equity capital to assets | 6.8305% | 7,813 |
| Core capital (leverage) ratio | 7.7600% | 6,851 |
| Tier 1 risk-based capital ratio | 13.0987% | 4,058 |
| Total risk-based capital ratio | 14.9792% | 3,601 |
| Memoranda: | ||
| Average total assets | $3,191,343,600 | 245 |
| Average earning assets | $2,935,410,600 | 243 |
| Average equity | $255,878,200 | 302 |
| Average total loans | $2,301,547,400 | 243 |