Home > Southside Bank > Performance and Condition Ratios
Southside Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 2,015 |
| Cost of funding earning assets | 1.9066% | 1,058 |
| Net interest margin | 3.1240% | 3,039 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 1.7387% | 4,086 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.3279% | 1,372 |
| Return on assets (ROA) | 1.2109% | 1,595 |
| Pretax return on assets | 1.4235% | 1,586 |
| Return on Equity (ROE) | 10.7000% | 2,304 |
| Retained earnings to average equity (ytd only) | 1.1664% | 3,798 |
| Net charge-offs to loans | 0.0637% | 1,218 |
| Credit loss provision to net charge-offs | 323.9636% | 907 |
| Earnings coverage of net charge-offs (x) | 48.0538% | 1,322 |
| Efficiency ratio | 50.2670% | 3,966 |
| Assets per employee ($millions) | 10.1457% | 677 |
| Cash dividends to net income (ytd only)* | 89.1004% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 3,563 |
| Loan loss allowance to noncurrent loans | 356.1509% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 2,545 |
| Noncurrent loans to loans | 0.2642% | 2,237 |
| Net loans and leases to total assets | 54.2700% | 3,331 |
| Net loans and leases to deposits | 68.5411% | 2,986 |
| Net loans and leases to core deposits | 83.8985% | 2,460 |
| Total domestic deposits to total assets | 79.1700% | 3,586 |
| Equity capital to assets | 11.0767% | 1,435 |
| Core capital (leverage) ratio | 10.4917% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6195% | 1,367 |
| Memoranda: | ||
| Average total assets | $7,878,412,800 | 193 |
| Average earning assets | $7,148,447,800 | 190 |
| Average equity | $891,458,800 | 179 |
| Average total loans | $4,317,907,400 | 224 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 1,998 |
| Cost of funding earning assets | 1.7775% | 1,048 |
| Net interest margin | 3.1525% | 3,019 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 1.7621% | 4,043 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.3092% | 1,531 |
| Return on assets (ROA) | 1.2992% | 1,532 |
| Pretax return on assets | 1.5381% | 1,490 |
| Return on Equity (ROE) | 11.4200% | 2,272 |
| Retained earnings to average equity (ytd only) | 0.1193% | 4,087 |
| Net charge-offs to loans | 0.0457% | 1,233 |
| Credit loss provision to net charge-offs | 458.7551% | 676 |
| Earnings coverage of net charge-offs (x) | 66.5506% | 1,143 |
| Efficiency ratio | 50.7114% | 3,859 |
| Assets per employee ($millions) | 9.8250% | 712 |
| Cash dividends to net income (ytd only)* | 98.9550% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 3,579 |
| Loan loss allowance to noncurrent loans | 967.5626% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,259 |
| Noncurrent loans to loans | 0.0976% | 3,092 |
| Net loans and leases to total assets | 54.9700% | 3,290 |
| Net loans and leases to deposits | 68.8346% | 2,922 |
| Net loans and leases to core deposits | 83.9511% | 2,326 |
| Total domestic deposits to total assets | 79.8600% | 3,551 |
| Equity capital to assets | 10.8578% | 1,405 |
| Core capital (leverage) ratio | 10.6446% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4690% | 1,433 |
| Memoranda: | ||
| Average total assets | $7,778,285,250 | 195 |
| Average earning assets | $7,050,591,250 | 192 |
| Average equity | $885,064,750 | 182 |
| Average total loans | $4,263,533,250 | 230 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8009% | 1,992 |
| Cost of funding earning assets | 1.6130% | 1,031 |
| Net interest margin | 3.1879% | 3,020 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 1.7624% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4405% | 1,236 |
| Return on assets (ROA) | 1.4287% | 1,246 |
| Pretax return on assets | 1.6937% | 1,228 |
| Return on Equity (ROE) | 12.3600% | 2,053 |
| Retained earnings to average equity (ytd only) | 1.1464% | 3,883 |
| Net charge-offs to loans | 0.0275% | 1,338 |
| Credit loss provision to net charge-offs | 63.3218% | 1,616 |
| Earnings coverage of net charge-offs (x) | 113.7768% | 872 |
| Efficiency ratio | 50.1421% | 3,917 |
| Assets per employee ($millions) | 9.5742% | 759 |
| Cash dividends to net income (ytd only)* | 90.7260% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8383% | 3,930 |
| Loan loss allowance to noncurrent loans | 1,203.2814% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,394 |
| Noncurrent loans to loans | 0.0697% | 3,197 |
| Net loans and leases to total assets | 55.0400% | 3,187 |
| Net loans and leases to deposits | 70.1249% | 2,777 |
| Net loans and leases to core deposits | 85.3128% | 2,126 |
| Total domestic deposits to total assets | 78.4800% | 3,786 |
| Equity capital to assets | 11.6363% | 1,158 |
| Core capital (leverage) ratio | 10.8180% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5489% | 1,414 |
| Memoranda: | ||
| Average total assets | $7,715,016,000 | 189 |
| Average earning assets | $6,984,456,667 | 187 |
| Average equity | $891,698,667 | 173 |
| Average total loans | $4,210,706,000 | 226 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 1,977 |
| Cost of funding earning assets | 1.4642% | 910 |
| Net interest margin | 3.1827% | 3,151 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 1.7740% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4577% | 1,273 |
| Return on assets (ROA) | 1.4734% | 1,216 |
| Pretax return on assets | 1.7410% | 1,189 |
| Return on Equity (ROE) | 12.7900% | 2,024 |
| Retained earnings to average equity (ytd only) | 1.4740% | 3,787 |
| Net charge-offs to loans | 0.0261% | 1,172 |
| Credit loss provision to net charge-offs | 32.4723% | 1,345 |
| Earnings coverage of net charge-offs (x) | 121.7528% | 700 |
| Efficiency ratio | 50.0530% | 3,930 |
| Assets per employee ($millions) | 9.7471% | 753 |
| Cash dividends to net income (ytd only)* | 88.4768% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 3,916 |
| Loan loss allowance to noncurrent loans | 1,146.4815% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,377 |
| Noncurrent loans to loans | 0.0763% | 3,193 |
| Net loans and leases to total assets | 52.8600% | 3,288 |
| Net loans and leases to deposits | 70.2715% | 2,585 |
| Net loans and leases to core deposits | 80.4798% | 2,217 |
| Total domestic deposits to total assets | 75.2200% | 4,206 |
| Equity capital to assets | 11.3980% | 1,188 |
| Core capital (leverage) ratio | 10.8889% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9449% | 1,384 |
| Memoranda: | ||
| Average total assets | $7,671,053,000 | 196 |
| Average earning assets | $6,956,515,000 | 193 |
| Average equity | $883,559,500 | 180 |
| Average total loans | $4,150,704,500 | 235 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 2,301 |
| Cost of funding earning assets | 0.5134% | 1,304 |
| Net interest margin | 3.2802% | 2,624 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 1.7170% | 4,148 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.5746% | 729 |
| Return on assets (ROA) | 1.5216% | 810 |
| Pretax return on assets | 1.7461% | 822 |
| Return on Equity (ROE) | 12.3600% | 2,016 |
| Retained earnings to average equity (ytd only) | 3.0218% | 3,714 |
| Net charge-offs to loans | 0.0177% | 1,750 |
| Credit loss provision to net charge-offs | 278.4483% | 949 |
| Earnings coverage of net charge-offs (x) | 196.6422% | 648 |
| Efficiency ratio | 47.2624% | 4,287 |
| Assets per employee ($millions) | 9.2917% | 831 |
| Cash dividends to net income (ytd only)* | 75.5455% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 3,839 |
| Loan loss allowance to noncurrent loans | 1,283.0288% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,413 |
| Noncurrent loans to loans | 0.0686% | 3,261 |
| Net loans and leases to total assets | 54.4300% | 3,157 |
| Net loans and leases to deposits | 66.1252% | 2,886 |
| Net loans and leases to core deposits | 77.0113% | 2,353 |
| Total domestic deposits to total assets | 82.3200% | 3,564 |
| Equity capital to assets | 11.6419% | 1,036 |
| Core capital (leverage) ratio | 10.9993% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7131% | 1,430 |
| Memoranda: | ||
| Average total assets | $7,394,635,600 | 202 |
| Average earning assets | $6,666,754,000 | 203 |
| Average equity | $910,545,600 | 179 |
| Average total loans | $3,925,093,600 | 228 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 2,402 |
| Cost of funding earning assets | 0.3594% | 1,627 |
| Net interest margin | 3.2193% | 2,569 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 1.7062% | 4,141 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.5726% | 698 |
| Return on assets (ROA) | 1.5006% | 828 |
| Pretax return on assets | 1.7138% | 874 |
| Return on Equity (ROE) | 12.0200% | 2,023 |
| Retained earnings to average equity (ytd only) | 6.2105% | 2,673 |
| Net charge-offs to loans | 0.0074% | 1,865 |
| Credit loss provision to net charge-offs | 673.4884% | 522 |
| Earnings coverage of net charge-offs (x) | 466.0698% | 335 |
| Efficiency ratio | 47.5283% | 4,302 |
| Assets per employee ($millions) | 9.1512% | 845 |
| Cash dividends to net income (ytd only)* | 48.3238% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 3,861 |
| Loan loss allowance to noncurrent loans | 1,201.2504% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 3,478 |
| Noncurrent loans to loans | 0.0748% | 3,342 |
| Net loans and leases to total assets | 54.0700% | 3,093 |
| Net loans and leases to deposits | 65.0355% | 2,789 |
| Net loans and leases to core deposits | 76.5223% | 2,162 |
| Total domestic deposits to total assets | 83.1300% | 3,664 |
| Equity capital to assets | 11.4212% | 1,031 |
| Core capital (leverage) ratio | 11.2591% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2842% | 1,346 |
| Memoranda: | ||
| Average total assets | $7,354,757,000 | 206 |
| Average earning assets | $6,624,460,000 | 202 |
| Average equity | $918,319,750 | 178 |
| Average total loans | $3,869,277,500 | 231 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3612% | 2,543 |
| Cost of funding earning assets | 0.2473% | 2,306 |
| Net interest margin | 3.1139% | 2,493 |
| Noninterest income to average assets | 0.6524% | 1,532 |
| Noninterest expense to average assets | 1.6817% | 4,165 |
| Loan and lease loss provision to assets | -0.0093% | 4,395 |
| Net operating income to assets | 1.5720% | 585 |
| Return on assets (ROA) | 1.4714% | 739 |
| Pretax return on assets | 1.6726% | 802 |
| Return on Equity (ROE) | 11.4534% | 1,848 |
| Retained earnings to average equity (ytd only) | 2.9504% | 3,462 |
| Net charge-offs to loans | -0.0012% | 3,055 |
| Credit loss provision to net charge-offs | -700.0000% | 3,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6593% | 4,361 |
| Assets per employee ($millions) | 9.3259% | 798 |
| Cash dividends to net income (ytd only)* | 74.2404% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 3,967 |
| Loan loss allowance to noncurrent loans | 1,136.5502% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,559 |
| Noncurrent loans to loans | 0.0787% | 3,390 |
| Net loans and leases to total assets | 51.6854% | 3,191 |
| Net loans and leases to deposits | 62.6426% | 2,840 |
| Net loans and leases to core deposits | 72.6678% | 2,270 |
| Total domestic deposits to total assets | 82.5084% | 3,943 |
| Equity capital to assets | 11.3487% | 1,079 |
| Core capital (leverage) ratio | 11.3970% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9281% | 1,452 |
| Memoranda: | ||
| Average total assets | $7,323,327,333 | 203 |
| Average earning assets | $6,601,644,000 | 204 |
| Average equity | $940,835,333 | 173 |
| Average total loans | $3,804,398,000 | 228 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3164% | 2,333 |
| Cost of funding earning assets | 0.2225% | 2,499 |
| Net interest margin | 3.0939% | 2,194 |
| Noninterest income to average assets | 0.6965% | 1,326 |
| Noninterest expense to average assets | 1.6868% | 4,155 |
| Loan and lease loss provision to assets | 0.0164% | 2,057 |
| Net operating income to assets | 1.5778% | 538 |
| Return on assets (ROA) | 1.4887% | 642 |
| Pretax return on assets | 1.6897% | 696 |
| Return on Equity (ROE) | 10.9146% | 1,645 |
| Retained earnings to average equity (ytd only) | 2.7511% | 3,349 |
| Net charge-offs to loans | 0.0016% | 1,775 |
| Credit loss provision to net charge-offs | 1,773.3333% | 235 |
| Earnings coverage of net charge-offs (x) | 2,164.1333% | 27 |
| Efficiency ratio | 47.2841% | 4,441 |
| Assets per employee ($millions) | 8.8822% | 962 |
| Cash dividends to net income (ytd only)* | 74.7943% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 3,943 |
| Loan loss allowance to noncurrent loans | 1,507.1701% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,708 |
| Noncurrent loans to loans | 0.0620% | 3,546 |
| Net loans and leases to total assets | 52.9466% | 2,886 |
| Net loans and leases to deposits | 61.7836% | 2,731 |
| Net loans and leases to core deposits | 72.0735% | 2,099 |
| Total domestic deposits to total assets | 85.6968% | 3,346 |
| Equity capital to assets | 12.8428% | 725 |
| Core capital (leverage) ratio | 11.4459% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9799% | 1,260 |
| Memoranda: | ||
| Average total assets | $7,184,685,000 | 210 |
| Average earning assets | $6,496,427,500 | 211 |
| Average equity | $979,969,500 | 173 |
| Average total loans | $3,724,669,000 | 231 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3481% | 3,058 |
| Cost of funding earning assets | 0.2604% | 2,805 |
| Net interest margin | 3.0877% | 2,948 |
| Noninterest income to average assets | 0.6427% | 1,980 |
| Noninterest expense to average assets | 1.7003% | 4,297 |
| Loan and lease loss provision to assets | -0.2385% | 4,743 |
| Net operating income to assets | 1.7027% | 628 |
| Return on assets (ROA) | 1.7473% | 595 |
| Pretax return on assets | 2.0330% | 570 |
| Return on Equity (ROE) | 11.9428% | 1,838 |
| Retained earnings to average equity (ytd only) | 2.3323% | 3,877 |
| Net charge-offs to loans | 0.0210% | 1,847 |
| Credit loss provision to net charge-offs | -1,681.1933% | 4,022 |
| Earnings coverage of net charge-offs (x) | 160.7406% | 627 |
| Efficiency ratio | 48.2233% | 4,387 |
| Assets per employee ($millions) | 8.9675% | 925 |
| Cash dividends to net income (ytd only)* | 80.4712% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 3,884 |
| Loan loss allowance to noncurrent loans | 1,390.8912% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 3,779 |
| Noncurrent loans to loans | 0.0695% | 3,593 |
| Net loans and leases to total assets | 49.7824% | 3,310 |
| Net loans and leases to deposits | 62.9026% | 2,790 |
| Net loans and leases to core deposits | 69.3387% | 2,519 |
| Total domestic deposits to total assets | 79.1420% | 4,303 |
| Equity capital to assets | 14.4212% | 591 |
| Core capital (leverage) ratio | 11.4580% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7031% | 1,115 |
| Memoranda: | ||
| Average total assets | $7,111,951,800 | 203 |
| Average earning assets | $6,449,721,800 | 203 |
| Average equity | $1,040,522,400 | 168 |
| Average total loans | $3,664,221,000 | 232 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3496% | 3,249 |
| Cost of funding earning assets | 0.2658% | 2,945 |
| Net interest margin | 3.0838% | 3,095 |
| Noninterest income to average assets | 0.6429% | 2,040 |
| Noninterest expense to average assets | 1.7013% | 4,325 |
| Loan and lease loss provision to assets | -0.2552% | 4,801 |
| Net operating income to assets | 1.7176% | 798 |
| Return on assets (ROA) | 1.7708% | 742 |
| Pretax return on assets | 2.0549% | 727 |
| Return on Equity (ROE) | 12.0590% | 2,024 |
| Retained earnings to average equity (ytd only) | 2.4355% | 4,072 |
| Net charge-offs to loans | 0.0268% | 1,510 |
| Credit loss provision to net charge-offs | -1,390.3664% | 3,924 |
| Earnings coverage of net charge-offs (x) | 125.1479% | 755 |
| Efficiency ratio | 48.2682% | 4,348 |
| Assets per employee ($millions) | 8.9126% | 922 |
| Cash dividends to net income (ytd only)* | 79.8034% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,700 |
| Loan loss allowance to noncurrent loans | 1,261.9316% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,868 |
| Noncurrent loans to loans | 0.0826% | 3,673 |
| Net loans and leases to total assets | 50.6404% | 3,327 |
| Net loans and leases to deposits | 67.6271% | 2,471 |
| Net loans and leases to core deposits | 72.4261% | 2,390 |
| Total domestic deposits to total assets | 74.8818% | 4,606 |
| Equity capital to assets | 14.3679% | 660 |
| Core capital (leverage) ratio | 11.4563% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0055% | 1,134 |
| Memoranda: | ||
| Average total assets | $7,076,260,500 | 204 |
| Average earning assets | $6,416,344,500 | 205 |
| Average equity | $1,039,099,250 | 168 |
| Average total loans | $3,668,564,750 | 233 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3167% | 3,380 |
| Cost of funding earning assets | 0.2714% | 3,076 |
| Net interest margin | 3.0453% | 3,191 |
| Noninterest income to average assets | 0.6388% | 2,049 |
| Noninterest expense to average assets | 1.7066% | 4,350 |
| Loan and lease loss provision to assets | -0.2401% | 4,797 |
| Net operating income to assets | 1.6818% | 900 |
| Return on assets (ROA) | 1.7294% | 875 |
| Pretax return on assets | 1.9881% | 856 |
| Return on Equity (ROE) | 11.6921% | 2,167 |
| Retained earnings to average equity (ytd only) | 7.8606% | 2,123 |
| Net charge-offs to loans | 0.0127% | 1,699 |
| Credit loss provision to net charge-offs | -2,503.8462% | 3,882 |
| Earnings coverage of net charge-offs (x) | 255.4017% | 427 |
| Efficiency ratio | 48.9462% | 4,328 |
| Assets per employee ($millions) | 8.7839% | 925 |
| Cash dividends to net income (ytd only)* | 32.7697% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 3,062 |
| Loan loss allowance to noncurrent loans | 832.6154% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 3,675 |
| Noncurrent loans to loans | 0.1414% | 3,492 |
| Net loans and leases to total assets | 50.1910% | 3,543 |
| Net loans and leases to deposits | 68.7749% | 2,540 |
| Net loans and leases to core deposits | 73.1434% | 2,503 |
| Total domestic deposits to total assets | 72.9788% | 4,688 |
| Equity capital to assets | 14.8632% | 553 |
| Core capital (leverage) ratio | 11.9275% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1126% | 939 |
| Memoranda: | ||
| Average total assets | $7,058,325,667 | 205 |
| Average earning assets | $6,399,779,333 | 204 |
| Average equity | $1,043,985,000 | 167 |
| Average total loans | $3,675,181,000 | 235 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3751% | 3,272 |
| Cost of funding earning assets | 0.2846% | 3,148 |
| Net interest margin | 3.0905% | 3,022 |
| Noninterest income to average assets | 0.6625% | 1,989 |
| Noninterest expense to average assets | 1.7246% | 4,332 |
| Loan and lease loss provision to assets | -0.5800% | 4,932 |
| Net operating income to assets | 2.0191% | 557 |
| Return on assets (ROA) | 2.1134% | 522 |
| Pretax return on assets | 2.4287% | 501 |
| Return on Equity (ROE) | 14.3243% | 1,369 |
| Retained earnings to average equity (ytd only) | 14.3243% | 721 |
| Net charge-offs to loans | 0.0188% | 1,364 |
| Credit loss provision to net charge-offs | -4,265.3179% | 3,693 |
| Earnings coverage of net charge-offs (x) | 176.0289% | 438 |
| Efficiency ratio | 48.5090% | 4,305 |
| Assets per employee ($millions) | 8.3968% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,358 |
| Loan loss allowance to noncurrent loans | 780.0903% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 3,796 |
| Noncurrent loans to loans | 0.1429% | 3,604 |
| Net loans and leases to total assets | 52.5803% | 3,385 |
| Net loans and leases to deposits | 71.1413% | 2,405 |
| Net loans and leases to core deposits | 76.1950% | 2,332 |
| Total domestic deposits to total assets | 73.9097% | 4,679 |
| Equity capital to assets | 14.8214% | 525 |
| Core capital (leverage) ratio | 12.1335% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7402% | 820 |
| Memoranda: | ||
| Average total assets | $6,999,256,000 | 203 |
| Average earning assets | $6,347,032,500 | 205 |
| Average equity | $1,032,651,000 | 167 |
| Average total loans | $3,690,343,500 | 234 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6101% | 3,787 |
| Cost of funding earning assets | 0.5675% | 2,521 |
| Net interest margin | 3.0426% | 3,775 |
| Noninterest income to average assets | 0.5636% | 2,357 |
| Noninterest expense to average assets | 1.6728% | 4,646 |
| Loan and lease loss provision to assets | 0.2830% | 1,347 |
| Net operating income to assets | 1.1792% | 1,616 |
| Return on assets (ROA) | 1.2820% | 1,400 |
| Pretax return on assets | 1.4749% | 1,424 |
| Return on Equity (ROE) | 9.3980% | 2,241 |
| Retained earnings to average equity (ytd only) | 1.9697% | 3,835 |
| Net charge-offs to loans | 0.0326% | 2,387 |
| Credit loss provision to net charge-offs | 1,670.2658% | 507 |
| Earnings coverage of net charge-offs (x) | 96.7799% | 800 |
| Efficiency ratio | 48.9604% | 4,584 |
| Assets per employee ($millions) | 8.3880% | 915 |
| Cash dividends to net income (ytd only)* | 79.0410% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,238 |
| Loan loss allowance to noncurrent loans | 635.2865% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 3,738 |
| Noncurrent loans to loans | 0.2107% | 3,443 |
| Net loans and leases to total assets | 51.5776% | 3,698 |
| Net loans and leases to deposits | 71.7849% | 2,705 |
| Net loans and leases to core deposits | 78.5252% | 2,506 |
| Total domestic deposits to total assets | 71.8502% | 4,714 |
| Equity capital to assets | 14.6861% | 636 |
| Core capital (leverage) ratio | 11.2379% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3771% | 850 |
| Memoranda: | ||
| Average total assets | $7,105,641,000 | 188 |
| Average earning assets | $6,420,122,400 | 187 |
| Average equity | $969,270,400 | 169 |
| Average total loans | $3,697,503,400 | 231 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6200% | 3,975 |
| Cost of funding earning assets | 0.6344% | 2,409 |
| Net interest margin | 2.9856% | 4,009 |
| Noninterest income to average assets | 0.5465% | 2,398 |
| Noninterest expense to average assets | 1.6464% | 4,681 |
| Loan and lease loss provision to assets | 0.4865% | 621 |
| Net operating income to assets | 0.9665% | 2,464 |
| Return on assets (ROA) | 1.1037% | 2,097 |
| Pretax return on assets | 1.2679% | 2,162 |
| Return on Equity (ROE) | 8.2461% | 2,712 |
| Retained earnings to average equity (ytd only) | 0.2834% | 4,430 |
| Net charge-offs to loans | 0.0364% | 2,109 |
| Credit loss provision to net charge-offs | 2,573.7883% | 391 |
| Earnings coverage of net charge-offs (x) | 84.4748% | 891 |
| Efficiency ratio | 49.1557% | 4,545 |
| Assets per employee ($millions) | 8.7103% | 772 |
| Cash dividends to net income (ytd only)* | 96.5627% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,532 |
| Loan loss allowance to noncurrent loans | 922.9610% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,974 |
| Noncurrent loans to loans | 0.1572% | 3,755 |
| Net loans and leases to total assets | 52.0951% | 3,958 |
| Net loans and leases to deposits | 73.3023% | 3,014 |
| Net loans and leases to core deposits | 85.9221% | 2,309 |
| Total domestic deposits to total assets | 71.0689% | 4,715 |
| Equity capital to assets | 13.7497% | 923 |
| Core capital (leverage) ratio | 10.8374% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8919% | 928 |
| Memoranda: | ||
| Average total assets | $7,131,062,750 | 185 |
| Average earning assets | $6,441,174,000 | 186 |
| Average equity | $954,435,750 | 168 |
| Average total loans | $3,706,510,750 | 231 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 4,054 |
| Cost of funding earning assets | 0.7281% | 2,249 |
| Net interest margin | 2.9873% | 4,153 |
| Noninterest income to average assets | 0.5402% | 2,393 |
| Noninterest expense to average assets | 1.6483% | 4,734 |
| Loan and lease loss provision to assets | 0.8554% | 269 |
| Net operating income to assets | 0.6369% | 3,620 |
| Return on assets (ROA) | 0.8412% | 3,008 |
| Pretax return on assets | 0.9666% | 3,123 |
| Return on Equity (ROE) | 6.3433% | 3,382 |
| Retained earnings to average equity (ytd only) | -5.3187% | 4,784 |
| Net charge-offs to loans | 0.0356% | 2,028 |
| Credit loss provision to net charge-offs | 4,651.6820% | 251 |
| Earnings coverage of net charge-offs (x) | 86.3073% | 769 |
| Efficiency ratio | 49.2839% | 4,545 |
| Assets per employee ($millions) | 8.7102% | 753 |
| Cash dividends to net income (ytd only)* | 183.8481% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,119 |
| Loan loss allowance to noncurrent loans | 1,061.4894% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 4,102 |
| Noncurrent loans to loans | 0.1463% | 3,870 |
| Net loans and leases to total assets | 51.8218% | 4,040 |
| Net loans and leases to deposits | 74.6449% | 3,014 |
| Net loans and leases to core deposits | 87.5647% | 2,295 |
| Total domestic deposits to total assets | 69.4245% | 4,805 |
| Equity capital to assets | 13.0639% | 1,142 |
| Core capital (leverage) ratio | 10.2256% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1494% | 1,026 |
| Memoranda: | ||
| Average total assets | $7,112,753,333 | 184 |
| Average earning assets | $6,417,288,333 | 186 |
| Average equity | $943,231,000 | 169 |
| Average total loans | $3,675,794,000 | 234 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 4,140 |
| Cost of funding earning assets | 0.8893% | 1,926 |
| Net interest margin | 2.9576% | 4,349 |
| Noninterest income to average assets | 0.5634% | 2,215 |
| Noninterest expense to average assets | 1.7611% | 4,711 |
| Loan and lease loss provision to assets | 1.3748% | 122 |
| Net operating income to assets | 0.0801% | 4,679 |
| Return on assets (ROA) | 0.3538% | 4,269 |
| Pretax return on assets | 0.4152% | 4,266 |
| Return on Equity (ROE) | 2.6473% | 4,302 |
| Retained earnings to average equity (ytd only) | -20.8479% | 4,975 |
| Net charge-offs to loans | 0.0607% | 1,403 |
| Credit loss provision to net charge-offs | 4,426.8382% | 187 |
| Earnings coverage of net charge-offs (x) | 47.2684% | 937 |
| Efficiency ratio | 52.8058% | 4,487 |
| Assets per employee ($millions) | 8.6233% | 606 |
| Cash dividends to net income (ytd only)* | 887.5262% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 1,381 |
| Loan loss allowance to noncurrent loans | 1,027.3511% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 4,197 |
| Noncurrent loans to loans | 0.1449% | 3,941 |
| Net loans and leases to total assets | 48.8234% | 4,298 |
| Net loans and leases to deposits | 74.4530% | 3,223 |
| Net loans and leases to core deposits | 90.5495% | 2,292 |
| Total domestic deposits to total assets | 65.5760% | 4,970 |
| Equity capital to assets | 12.6976% | 1,621 |
| Core capital (leverage) ratio | 10.5278% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7282% | 1,413 |
| Memoranda: | ||
| Average total assets | $7,006,489,500 | 184 |
| Average earning assets | $6,315,109,500 | 183 |
| Average equity | $936,362,500 | 171 |
| Average total loans | $3,585,709,500 | 234 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 3,820 |
| Cost of funding earning assets | 1.0903% | 1,367 |
| Net interest margin | 3.1056% | 4,352 |
| Noninterest income to average assets | 0.6343% | 2,076 |
| Noninterest expense to average assets | 1.8060% | 4,766 |
| Loan and lease loss provision to assets | 0.0798% | 2,399 |
| Net operating income to assets | 1.2926% | 1,720 |
| Return on assets (ROA) | 1.3050% | 1,751 |
| Pretax return on assets | 1.5487% | 1,660 |
| Return on Equity (ROE) | 9.0902% | 2,712 |
| Retained earnings to average equity (ytd only) | 3.6447% | 3,173 |
| Net charge-offs to loans | 0.2135% | 960 |
| Credit loss provision to net charge-offs | 69.6572% | 2,917 |
| Earnings coverage of net charge-offs (x) | 14.0945% | 2,305 |
| Efficiency ratio | 50.7912% | 4,687 |
| Assets per employee ($millions) | 7.9805% | 719 |
| Cash dividends to net income (ytd only)* | 59.9046% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 4,586 |
| Loan loss allowance to noncurrent loans | 499.4361% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 4,232 |
| Noncurrent loans to loans | 0.1391% | 3,971 |
| Net loans and leases to total assets | 52.5510% | 4,180 |
| Net loans and leases to deposits | 75.1928% | 3,245 |
| Net loans and leases to core deposits | 91.0598% | 2,318 |
| Total domestic deposits to total assets | 69.8884% | 4,939 |
| Equity capital to assets | 14.0829% | 1,072 |
| Core capital (leverage) ratio | 11.5721% | 2,060 |
| Tier 1 risk-based capital ratio | 17.5796% | 1,870 |
| Total risk-based capital ratio | 18.2046% | 2,012 |
| Memoranda: | ||
| Average total assets | $6,395,825,800 | 187 |
| Average earning assets | $5,736,723,200 | 190 |
| Average equity | $918,200,400 | 171 |
| Average total loans | $3,430,070,600 | 233 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 3,804 |
| Cost of funding earning assets | 1.1154% | 1,288 |
| Net interest margin | 3.1374% | 4,418 |
| Noninterest income to average assets | 0.6491% | 1,990 |
| Noninterest expense to average assets | 1.8127% | 4,801 |
| Loan and lease loss provision to assets | 0.0548% | 2,819 |
| Net operating income to assets | 1.3367% | 1,690 |
| Return on assets (ROA) | 1.3531% | 1,699 |
| Pretax return on assets | 1.6105% | 1,598 |
| Return on Equity (ROE) | 9.3778% | 2,729 |
| Retained earnings to average equity (ytd only) | 2.0546% | 4,251 |
| Net charge-offs to loans | 0.1760% | 959 |
| Credit loss provision to net charge-offs | 57.8407% | 2,726 |
| Earnings coverage of net charge-offs (x) | 17.3705% | 2,093 |
| Efficiency ratio | 50.3434% | 4,719 |
| Assets per employee ($millions) | 7.7642% | 756 |
| Cash dividends to net income (ytd only)* | 78.0908% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7178% | 4,613 |
| Loan loss allowance to noncurrent loans | 146.5248% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 3,447 |
| Noncurrent loans to loans | 0.4899% | 2,827 |
| Net loans and leases to total assets | 53.1673% | 4,242 |
| Net loans and leases to deposits | 77.0173% | 3,201 |
| Net loans and leases to core deposits | 91.0348% | 2,458 |
| Total domestic deposits to total assets | 69.0329% | 5,026 |
| Equity capital to assets | 14.4102% | 1,004 |
| Core capital (leverage) ratio | 11.6937% | 2,081 |
| Tier 1 risk-based capital ratio | 17.4414% | 1,963 |
| Total risk-based capital ratio | 18.0898% | 2,082 |
| Memoranda: | ||
| Average total assets | $6,308,902,250 | 190 |
| Average earning assets | $5,649,163,250 | 192 |
| Average equity | $910,330,500 | 173 |
| Average total loans | $3,395,441,500 | 237 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 3,641 |
| Cost of funding earning assets | 1.1198% | 1,224 |
| Net interest margin | 3.1764% | 4,411 |
| Noninterest income to average assets | 0.6330% | 2,011 |
| Noninterest expense to average assets | 1.8440% | 4,823 |
| Loan and lease loss provision to assets | 0.0510% | 2,793 |
| Net operating income to assets | 1.3266% | 1,670 |
| Return on assets (ROA) | 1.3491% | 1,646 |
| Pretax return on assets | 1.6036% | 1,538 |
| Return on Equity (ROE) | 9.3455% | 2,706 |
| Retained earnings to average equity (ytd only) | 3.7884% | 3,358 |
| Net charge-offs to loans | 0.2322% | 727 |
| Credit loss provision to net charge-offs | 40.6971% | 2,529 |
| Earnings coverage of net charge-offs (x) | 13.0005% | 2,127 |
| Efficiency ratio | 50.9811% | 4,729 |
| Assets per employee ($millions) | 7.4561% | 833 |
| Cash dividends to net income (ytd only)* | 59.4629% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 4,680 |
| Loan loss allowance to noncurrent loans | 150.8610% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 3,462 |
| Noncurrent loans to loans | 0.4730% | 2,861 |
| Net loans and leases to total assets | 53.9810% | 4,209 |
| Net loans and leases to deposits | 76.5735% | 3,280 |
| Net loans and leases to core deposits | 89.9698% | 2,606 |
| Total domestic deposits to total assets | 70.4956% | 5,029 |
| Equity capital to assets | 14.6494% | 909 |
| Core capital (leverage) ratio | 11.9641% | 1,847 |
| Tier 1 risk-based capital ratio | 17.6407% | 1,898 |
| Total risk-based capital ratio | 18.2924% | 2,019 |
| Memoranda: | ||
| Average total assets | $6,232,718,670 | 193 |
| Average earning assets | $5,570,337,330 | 195 |
| Average equity | $899,753,330 | 174 |
| Average total loans | $3,360,283,000 | 239 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 3,553 |
| Cost of funding earning assets | 1.1496% | 1,046 |
| Net interest margin | 3.1508% | 4,498 |
| Noninterest income to average assets | 0.5964% | 2,062 |
| Noninterest expense to average assets | 1.8649% | 4,842 |
| Loan and lease loss provision to assets | -0.0596% | 5,267 |
| Net operating income to assets | 1.3551% | 1,513 |
| Return on assets (ROA) | 1.3734% | 1,482 |
| Pretax return on assets | 1.6174% | 1,422 |
| Return on Equity (ROE) | 9.5866% | 2,557 |
| Retained earnings to average equity (ytd only) | -1.7354% | 4,724 |
| Net charge-offs to loans | 0.2352% | 612 |
| Credit loss provision to net charge-offs | -47.1737% | 3,485 |
| Earnings coverage of net charge-offs (x) | 12.1686% | 1,884 |
| Efficiency ratio | 52.5818% | 4,652 |
| Assets per employee ($millions) | 7.4140% | 846 |
| Cash dividends to net income (ytd only)* | 118.1028% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 4,715 |
| Loan loss allowance to noncurrent loans | 94.2892% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 2,872 |
| Noncurrent loans to loans | 0.7750% | 2,098 |
| Net loans and leases to total assets | 52.8150% | 4,286 |
| Net loans and leases to deposits | 71.5188% | 3,644 |
| Net loans and leases to core deposits | 84.2440% | 3,003 |
| Total domestic deposits to total assets | 73.8477% | 4,945 |
| Equity capital to assets | 14.3354% | 930 |
| Core capital (leverage) ratio | 11.4369% | 2,180 |
| Tier 1 risk-based capital ratio | 17.8340% | 1,838 |
| Total risk-based capital ratio | 18.4996% | 1,971 |
| Memoranda: | ||
| Average total assets | $6,165,319,500 | 195 |
| Average earning assets | $5,488,367,000 | 194 |
| Average equity | $883,230,000 | 176 |
| Average total loans | $3,309,447,000 | 242 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 3,814 |
| Cost of funding earning assets | 0.8690% | 1,228 |
| Net interest margin | 3.2076% | 4,472 |
| Noninterest income to average assets | 0.6626% | 2,002 |
| Noninterest expense to average assets | 1.8391% | 4,961 |
| Loan and lease loss provision to assets | 0.1347% | 1,608 |
| Net operating income to assets | 1.3600% | 1,572 |
| Return on assets (ROA) | 1.3328% | 1,665 |
| Pretax return on assets | 1.5348% | 1,668 |
| Return on Equity (ROE) | 9.4593% | 2,764 |
| Retained earnings to average equity (ytd only) | -0.7362% | 5,067 |
| Net charge-offs to loans | 0.0667% | 2,160 |
| Credit loss provision to net charge-offs | 383.6744% | 852 |
| Earnings coverage of net charge-offs (x) | 48.4520% | 1,155 |
| Efficiency ratio | 49.6048% | 4,965 |
| Assets per employee ($millions) | 7.3091% | 868 |
| Cash dividends to net income (ytd only)* | 107.7831% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 4,479 |
| Loan loss allowance to noncurrent loans | 75.5354% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 2,226 |
| Noncurrent loans to loans | 1.0796% | 1,511 |
| Net loans and leases to total assets | 53.7188% | 4,300 |
| Net loans and leases to deposits | 74.0764% | 3,493 |
| Net loans and leases to core deposits | 85.5471% | 2,946 |
| Total domestic deposits to total assets | 72.5182% | 5,042 |
| Equity capital to assets | 14.3160% | 887 |
| Core capital (leverage) ratio | 12.1426% | 1,646 |
| Tier 1 risk-based capital ratio | 18.5878% | 1,599 |
| Total risk-based capital ratio | 19.3394% | 1,691 |
| Memoranda: | ||
| Average total assets | $6,264,935,000 | 190 |
| Average earning assets | $5,619,577,400 | 187 |
| Average equity | $882,740,000 | 176 |
| Average total loans | $3,294,462,800 | 233 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,834 |
| Cost of funding earning assets | 0.8335% | 1,182 |
| Net interest margin | 3.2003% | 4,512 |
| Noninterest income to average assets | 0.6751% | 1,958 |
| Noninterest expense to average assets | 1.8273% | 5,005 |
| Loan and lease loss provision to assets | 0.1268% | 1,585 |
| Net operating income to assets | 1.3864% | 1,538 |
| Return on assets (ROA) | 1.3481% | 1,682 |
| Pretax return on assets | 1.5490% | 1,733 |
| Return on Equity (ROE) | 9.6053% | 2,795 |
| Retained earnings to average equity (ytd only) | 2.8218% | 4,305 |
| Net charge-offs to loans | 0.0276% | 2,556 |
| Credit loss provision to net charge-offs | 881.0294% | 453 |
| Earnings coverage of net charge-offs (x) | 119.5270% | 659 |
| Efficiency ratio | 49.1401% | 4,989 |
| Assets per employee ($millions) | 7.2871% | 843 |
| Cash dividends to net income (ytd only)* | 70.6226% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 4,634 |
| Loan loss allowance to noncurrent loans | 80.2189% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 2,525 |
| Noncurrent loans to loans | 0.9930% | 1,714 |
| Net loans and leases to total assets | 53.2749% | 4,404 |
| Net loans and leases to deposits | 70.9944% | 3,848 |
| Net loans and leases to core deposits | 83.8786% | 3,165 |
| Total domestic deposits to total assets | 75.0409% | 4,877 |
| Equity capital to assets | 14.4538% | 837 |
| Core capital (leverage) ratio | 12.2808% | 1,629 |
| Tier 1 risk-based capital ratio | 19.3547% | 1,461 |
| Total risk-based capital ratio | 20.0880% | 1,551 |
| Memoranda: | ||
| Average total assets | $6,301,732,500 | 188 |
| Average earning assets | $5,655,001,000 | 188 |
| Average equity | $884,471,500 | 172 |
| Average total loans | $3,289,728,500 | 233 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 3,834 |
| Cost of funding earning assets | 0.7936% | 1,150 |
| Net interest margin | 3.1877% | 4,537 |
| Noninterest income to average assets | 0.6751% | 1,976 |
| Noninterest expense to average assets | 1.8394% | 5,048 |
| Loan and lease loss provision to assets | 0.1575% | 1,192 |
| Net operating income to assets | 1.3272% | 1,671 |
| Return on assets (ROA) | 1.2923% | 1,798 |
| Pretax return on assets | 1.5026% | 1,807 |
| Return on Equity (ROE) | 9.2958% | 2,899 |
| Retained earnings to average equity (ytd only) | 3.6488% | 3,770 |
| Net charge-offs to loans | 0.0440% | 1,985 |
| Credit loss provision to net charge-offs | 691.8621% | 562 |
| Earnings coverage of net charge-offs (x) | 74.7062% | 863 |
| Efficiency ratio | 49.5578% | 5,046 |
| Assets per employee ($millions) | 7.4270% | 784 |
| Cash dividends to net income (ytd only)* | 60.7474% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 4,799 |
| Loan loss allowance to noncurrent loans | 70.9090% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 2,479 |
| Noncurrent loans to loans | 1.0795% | 1,632 |
| Net loans and leases to total assets | 52.0387% | 4,478 |
| Net loans and leases to deposits | 71.9560% | 3,716 |
| Net loans and leases to core deposits | 84.0301% | 3,080 |
| Total domestic deposits to total assets | 72.3202% | 5,157 |
| Equity capital to assets | 14.2493% | 869 |
| Core capital (leverage) ratio | 12.1222% | 1,635 |
| Tier 1 risk-based capital ratio | 19.1733% | 1,507 |
| Total risk-based capital ratio | 19.8809% | 1,605 |
| Memoranda: | ||
| Average total assets | $6,369,215,330 | 185 |
| Average earning assets | $5,724,424,000 | 187 |
| Average equity | $885,436,670 | 171 |
| Average total loans | $3,294,478,670 | 231 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,773 |
| Cost of funding earning assets | 0.7677% | 1,108 |
| Net interest margin | 3.1888% | 4,503 |
| Noninterest income to average assets | 0.6417% | 2,069 |
| Noninterest expense to average assets | 1.8952% | 5,026 |
| Loan and lease loss provision to assets | 0.2323% | 667 |
| Net operating income to assets | 1.2048% | 1,982 |
| Return on assets (ROA) | 1.1551% | 2,208 |
| Pretax return on assets | 1.3234% | 2,275 |
| Return on Equity (ROE) | 8.4109% | 3,186 |
| Retained earnings to average equity (ytd only) | -2.9123% | 5,076 |
| Net charge-offs to loans | 0.0358% | 1,806 |
| Credit loss provision to net charge-offs | 1,261.8243% | 282 |
| Earnings coverage of net charge-offs (x) | 87.6014% | 665 |
| Efficiency ratio | 51.5807% | 4,992 |
| Assets per employee ($millions) | 7.3887% | 812 |
| Cash dividends to net income (ytd only)* | 134.6257% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 4,961 |
| Loan loss allowance to noncurrent loans | 70.1033% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 2,605 |
| Noncurrent loans to loans | 1.0433% | 1,755 |
| Net loans and leases to total assets | 51.6154% | 4,462 |
| Net loans and leases to deposits | 70.5209% | 3,741 |
| Net loans and leases to core deposits | 83.2663% | 3,032 |
| Total domestic deposits to total assets | 73.1916% | 5,211 |
| Equity capital to assets | 13.6956% | 979 |
| Core capital (leverage) ratio | 11.2919% | 2,176 |
| Tier 1 risk-based capital ratio | 18.0484% | 1,825 |
| Total risk-based capital ratio | 18.7188% | 1,939 |
| Memoranda: | ||
| Average total assets | $6,430,784,500 | 184 |
| Average earning assets | $5,780,655,000 | 183 |
| Average equity | $883,144,500 | 171 |
| Average total loans | $3,303,993,500 | 229 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 4,592 |
| Cost of funding earning assets | 0.6869% | 1,096 |
| Net interest margin | 2.9034% | 5,038 |
| Noninterest income to average assets | 0.6366% | 2,265 |
| Noninterest expense to average assets | 1.7471% | 5,284 |
| Loan and lease loss provision to assets | 0.0813% | 2,578 |
| Net operating income to assets | 1.0934% | 1,878 |
| Return on assets (ROA) | 1.1017% | 1,874 |
| Pretax return on assets | 1.4542% | 1,802 |
| Return on Equity (ROE) | 8.9876% | 2,324 |
| Retained earnings to average equity (ytd only) | 5.1578% | 2,027 |
| Net charge-offs to loans | 0.0659% | 2,532 |
| Credit loss provision to net charge-offs | 259.0028% | 1,074 |
| Earnings coverage of net charge-offs (x) | 48.5806% | 1,108 |
| Efficiency ratio | 52.4141% | 5,079 |
| Assets per employee ($millions) | 7.4370% | 792 |
| Cash dividends to net income (ytd only)* | 42.6116% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6304% | 5,189 |
| Loan loss allowance to noncurrent loans | 707.3179% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 4,771 |
| Noncurrent loans to loans | 0.0891% | 4,600 |
| Net loans and leases to total assets | 50.4515% | 4,622 |
| Net loans and leases to deposits | 72.4053% | 3,661 |
| Net loans and leases to core deposits | 83.4156% | 3,114 |
| Total domestic deposits to total assets | 69.6793% | 5,417 |
| Equity capital to assets | 13.7698% | 968 |
| Core capital (leverage) ratio | 12.6574% | 1,282 |
| Tier 1 risk-based capital ratio | 18.2718% | 1,720 |
| Total risk-based capital ratio | 18.8563% | 1,867 |
| Memoranda: | ||
| Average total assets | $5,751,424,200 | 192 |
| Average earning assets | $5,219,983,800 | 188 |
| Average equity | $705,005,800 | 182 |
| Average total loans | $2,740,586,600 | 260 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6156% | 4,522 |
| Cost of funding earning assets | 0.6851% | 1,040 |
| Net interest margin | 2.9304% | 5,049 |
| Noninterest income to average assets | 0.6551% | 2,182 |
| Noninterest expense to average assets | 1.7501% | 5,324 |
| Loan and lease loss provision to assets | 0.0815% | 2,463 |
| Net operating income to assets | 1.1775% | 1,785 |
| Return on assets (ROA) | 1.1940% | 1,753 |
| Pretax return on assets | 1.5105% | 1,739 |
| Return on Equity (ROE) | 10.1042% | 2,085 |
| Retained earnings to average equity (ytd only) | 10.1042% | 561 |
| Net charge-offs to loans | 0.0740% | 2,076 |
| Credit loss provision to net charge-offs | 235.7341% | 1,181 |
| Earnings coverage of net charge-offs (x) | 45.4223% | 1,191 |
| Efficiency ratio | 51.8626% | 5,108 |
| Assets per employee ($millions) | 8.3915% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7401% | 5,049 |
| Loan loss allowance to noncurrent loans | 642.0355% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 4,925 |
| Noncurrent loans to loans | 0.1153% | 4,597 |
| Net loans and leases to total assets | 48.6359% | 4,790 |
| Net loans and leases to deposits | 74.4485% | 3,523 |
| Net loans and leases to core deposits | 88.3533% | 2,735 |
| Total domestic deposits to total assets | 65.3283% | 5,605 |
| Equity capital to assets | 12.5655% | 1,626 |
| Core capital (leverage) ratio | 11.2928% | 2,188 |
| Tier 1 risk-based capital ratio | 18.9554% | 1,593 |
| Total risk-based capital ratio | 19.6177% | 1,717 |
| Memoranda: | ||
| Average total assets | $5,566,150,500 | 195 |
| Average earning assets | $5,064,140,250 | 192 |
| Average equity | $657,754,750 | 190 |
| Average total loans | $2,601,644,000 | 270 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5721% | 4,586 |
| Cost of funding earning assets | 0.6463% | 1,163 |
| Net interest margin | 2.9257% | 5,046 |
| Noninterest income to average assets | 0.6672% | 2,139 |
| Noninterest expense to average assets | 1.7556% | 5,363 |
| Loan and lease loss provision to assets | 0.0874% | 2,232 |
| Net operating income to assets | 1.1846% | 1,648 |
| Return on assets (ROA) | 1.1917% | 1,658 |
| Pretax return on assets | 1.4936% | 1,668 |
| Return on Equity (ROE) | 10.2976% | 1,911 |
| Retained earnings to average equity (ytd only) | 10.2976% | 537 |
| Net charge-offs to loans | 0.0866% | 1,746 |
| Credit loss provision to net charge-offs | 219.3896% | 1,185 |
| Earnings coverage of net charge-offs (x) | 39.4785% | 1,261 |
| Efficiency ratio | 51.9078% | 5,183 |
| Assets per employee ($millions) | 8.3191% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 5,120 |
| Loan loss allowance to noncurrent loans | 634.1793% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 4,969 |
| Noncurrent loans to loans | 0.1161% | 4,655 |
| Net loans and leases to total assets | 46.5390% | 4,916 |
| Net loans and leases to deposits | 71.0694% | 3,823 |
| Net loans and leases to core deposits | 84.1191% | 3,053 |
| Total domestic deposits to total assets | 65.4838% | 5,642 |
| Equity capital to assets | 12.0428% | 1,899 |
| Core capital (leverage) ratio | 10.9785% | 2,435 |
| Tier 1 risk-based capital ratio | 18.8131% | 1,635 |
| Total risk-based capital ratio | 19.4619% | 1,758 |
| Memoranda: | ||
| Average total assets | $5,594,988,330 | 195 |
| Average earning assets | $5,087,669,000 | 192 |
| Average equity | $647,492,330 | 192 |
| Average total loans | $2,573,877,670 | 272 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5313% | 4,604 |
| Cost of funding earning assets | 0.6097% | 1,303 |
| Net interest margin | 2.9216% | 5,046 |
| Noninterest income to average assets | 0.6673% | 2,106 |
| Noninterest expense to average assets | 1.7842% | 5,401 |
| Loan and lease loss provision to assets | 0.0784% | 2,245 |
| Net operating income to assets | 1.1762% | 1,569 |
| Return on assets (ROA) | 1.1948% | 1,555 |
| Pretax return on assets | 1.4769% | 1,614 |
| Return on Equity (ROE) | 10.5372% | 1,723 |
| Retained earnings to average equity (ytd only) | 10.5372% | 691 |
| Net charge-offs to loans | 0.0821% | 1,526 |
| Credit loss provision to net charge-offs | 209.5420% | 990 |
| Earnings coverage of net charge-offs (x) | 40.9790% | 1,024 |
| Efficiency ratio | 52.9251% | 5,214 |
| Assets per employee ($millions) | 8.5121% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 5,249 |
| Loan loss allowance to noncurrent loans | 254.5442% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,725 |
| Noncurrent loans to loans | 0.2854% | 4,096 |
| Net loans and leases to total assets | 44.6870% | 5,002 |
| Net loans and leases to deposits | 67.5598% | 4,032 |
| Net loans and leases to core deposits | 79.6518% | 3,326 |
| Total domestic deposits to total assets | 66.1443% | 5,708 |
| Equity capital to assets | 11.4328% | 2,234 |
| Core capital (leverage) ratio | 10.5758% | 2,816 |
| Tier 1 risk-based capital ratio | 18.1620% | 1,816 |
| Total risk-based capital ratio | 18.7825% | 1,976 |
| Memoranda: | ||
| Average total assets | $5,605,579,000 | 195 |
| Average earning assets | $5,082,933,000 | 191 |
| Average equity | $635,616,000 | 191 |
| Average total loans | $2,554,199,500 | 275 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 4,710 |
| Cost of funding earning assets | 0.5435% | 1,763 |
| Net interest margin | 2.9846% | 4,994 |
| Noninterest income to average assets | 0.6852% | 2,240 |
| Noninterest expense to average assets | 2.0070% | 5,172 |
| Loan and lease loss provision to assets | 0.1865% | 1,263 |
| Net operating income to assets | 0.9833% | 2,424 |
| Return on assets (ROA) | 1.0271% | 2,335 |
| Pretax return on assets | 1.2703% | 2,397 |
| Return on Equity (ROE) | 9.8245% | 2,036 |
| Retained earnings to average equity (ytd only) | 4.3515% | 2,803 |
| Net charge-offs to loans | 0.4707% | 529 |
| Credit loss provision to net charge-offs | 84.2740% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.3376% | 3,190 |
| Efficiency ratio | 57.8313% | 4,873 |
| Assets per employee ($millions) | 8.1751% | 561 |
| Cash dividends to net income (ytd only)* | 55.7072% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 5,363 |
| Loan loss allowance to noncurrent loans | 216.1598% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 4,701 |
| Noncurrent loans to loans | 0.3231% | 3,988 |
| Net loans and leases to total assets | 45.8036% | 5,028 |
| Net loans and leases to deposits | 71.1866% | 3,792 |
| Net loans and leases to core deposits | 82.5463% | 3,167 |
| Total domestic deposits to total assets | 64.3430% | 5,784 |
| Equity capital to assets | 11.2437% | 2,373 |
| Core capital (leverage) ratio | 10.3982% | 2,993 |
| Tier 1 risk-based capital ratio | 17.9838% | 1,851 |
| Total risk-based capital ratio | 18.5984% | 2,005 |
| Memoranda: | ||
| Average total assets | $5,243,226,400 | 200 |
| Average earning assets | $4,786,207,800 | 197 |
| Average equity | $548,151,200 | 201 |
| Average total loans | $2,465,418,000 | 267 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5408% | 4,706 |
| Cost of funding earning assets | 0.5336% | 1,848 |
| Net interest margin | 3.0071% | 5,000 |
| Noninterest income to average assets | 0.6854% | 2,237 |
| Noninterest expense to average assets | 2.0673% | 5,068 |
| Loan and lease loss provision to assets | 0.1992% | 1,065 |
| Net operating income to assets | 0.9342% | 2,729 |
| Return on assets (ROA) | 1.0480% | 2,338 |
| Pretax return on assets | 1.3063% | 2,403 |
| Return on Equity (ROE) | 10.2328% | 1,955 |
| Retained earnings to average equity (ytd only) | 2.6705% | 4,307 |
| Net charge-offs to loans | 0.6259% | 330 |
| Credit loss provision to net charge-offs | 67.3329% | 2,834 |
| Earnings coverage of net charge-offs (x) | 4.6081% | 3,247 |
| Efficiency ratio | 59.1994% | 4,662 |
| Assets per employee ($millions) | 7.8998% | 611 |
| Cash dividends to net income (ytd only)* | 73.9025% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 5,543 |
| Loan loss allowance to noncurrent loans | 187.3375% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,790 |
| Noncurrent loans to loans | 0.3430% | 4,024 |
| Net loans and leases to total assets | 45.3022% | 5,129 |
| Net loans and leases to deposits | 68.5598% | 4,102 |
| Net loans and leases to core deposits | 79.8616% | 3,458 |
| Total domestic deposits to total assets | 66.0769% | 5,817 |
| Equity capital to assets | 10.9434% | 3,070 |
| Core capital (leverage) ratio | 9.9086% | 3,685 |
| Tier 1 risk-based capital ratio | 16.2993% | 2,499 |
| Total risk-based capital ratio | 16.8627% | 2,717 |
| Memoranda: | ||
| Average total assets | $5,164,258,500 | 202 |
| Average earning assets | $4,714,348,500 | 198 |
| Average equity | $528,927,500 | 209 |
| Average total loans | $2,440,728,000 | 268 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 4,463 |
| Cost of funding earning assets | 0.5325% | 1,850 |
| Net interest margin | 3.1119% | 4,797 |
| Noninterest income to average assets | 0.6968% | 2,156 |
| Noninterest expense to average assets | 2.1092% | 5,038 |
| Loan and lease loss provision to assets | 0.2402% | 821 |
| Net operating income to assets | 0.9460% | 2,640 |
| Return on assets (ROA) | 1.0461% | 2,324 |
| Pretax return on assets | 1.3067% | 2,381 |
| Return on Equity (ROE) | 10.4712% | 1,860 |
| Retained earnings to average equity (ytd only) | 0.5920% | 5,129 |
| Net charge-offs to loans | 0.9001% | 212 |
| Credit loss provision to net charge-offs | 55.7551% | 2,622 |
| Earnings coverage of net charge-offs (x) | 3.3003% | 3,132 |
| Efficiency ratio | 58.6577% | 4,817 |
| Assets per employee ($millions) | 7.0521% | 854 |
| Cash dividends to net income (ytd only)* | 94.3467% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6237% | 5,648 |
| Loan loss allowance to noncurrent loans | 126.6287% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 4,542 |
| Noncurrent loans to loans | 0.4926% | 3,601 |
| Net loans and leases to total assets | 47.2398% | 5,052 |
| Net loans and leases to deposits | 66.4508% | 4,312 |
| Net loans and leases to core deposits | 77.4493% | 3,693 |
| Total domestic deposits to total assets | 71.0899% | 5,725 |
| Equity capital to assets | 10.3444% | 3,805 |
| Core capital (leverage) ratio | 8.4360% | 5,414 |
| Tier 1 risk-based capital ratio | 14.1945% | 3,497 |
| Total risk-based capital ratio | 14.7424% | 3,824 |
| Memoranda: | ||
| Average total assets | $5,066,084,000 | 202 |
| Average earning assets | $4,613,934,000 | 201 |
| Average equity | $506,111,330 | 219 |
| Average total loans | $2,424,656,670 | 268 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7202% | 4,249 |
| Cost of funding earning assets | 0.5183% | 1,957 |
| Net interest margin | 3.2019% | 4,572 |
| Noninterest income to average assets | 0.7083% | 2,004 |
| Noninterest expense to average assets | 2.2365% | 4,815 |
| Loan and lease loss provision to assets | 0.1822% | 1,103 |
| Net operating income to assets | 0.9699% | 2,413 |
| Return on assets (ROA) | 1.1254% | 1,914 |
| Pretax return on assets | 1.3928% | 1,928 |
| Return on Equity (ROE) | 11.4662% | 1,465 |
| Retained earnings to average equity (ytd only) | -4.5626% | 5,585 |
| Net charge-offs to loans | 0.0414% | 2,174 |
| Credit loss provision to net charge-offs | 915.4150% | 396 |
| Earnings coverage of net charge-offs (x) | 69.4901% | 703 |
| Efficiency ratio | 60.7176% | 4,644 |
| Assets per employee ($millions) | 7.0628% | 869 |
| Cash dividends to net income (ytd only)* | 139.7917% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 5,091 |
| Loan loss allowance to noncurrent loans | 99.3845% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 3,817 |
| Noncurrent loans to loans | 0.8959% | 2,604 |
| Net loans and leases to total assets | 48.3871% | 4,940 |
| Net loans and leases to deposits | 66.9626% | 4,160 |
| Net loans and leases to core deposits | 77.1405% | 3,577 |
| Total domestic deposits to total assets | 72.2599% | 5,755 |
| Equity capital to assets | 10.0521% | 4,010 |
| Core capital (leverage) ratio | 8.2674% | 5,595 |
| Tier 1 risk-based capital ratio | 14.0392% | 3,666 |
| Total risk-based capital ratio | 14.8284% | 3,866 |
| Memoranda: | ||
| Average total assets | $5,085,043,500 | 202 |
| Average earning assets | $4,623,398,000 | 199 |
| Average equity | $499,100,500 | 220 |
| Average total loans | $2,441,883,000 | 266 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5025% | 4,911 |
| Cost of funding earning assets | 0.4171% | 2,974 |
| Net interest margin | 3.0854% | 4,939 |
| Noninterest income to average assets | 0.6821% | 2,283 |
| Noninterest expense to average assets | 2.2324% | 4,971 |
| Loan and lease loss provision to assets | 0.1713% | 1,337 |
| Net operating income to assets | 0.9015% | 2,860 |
| Return on assets (ROA) | 0.9646% | 2,627 |
| Pretax return on assets | 1.1471% | 2,855 |
| Return on Equity (ROE) | 9.7660% | 2,096 |
| Retained earnings to average equity (ytd only) | 6.1082% | 1,742 |
| Net charge-offs to loans | 0.0846% | 2,626 |
| Credit loss provision to net charge-offs | 439.3365% | 700 |
| Earnings coverage of net charge-offs (x) | 31.8920% | 1,395 |
| Efficiency ratio | 62.9336% | 4,453 |
| Assets per employee ($millions) | 7.3861% | 750 |
| Cash dividends to net income (ytd only)* | 37.4548% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 5,383 |
| Loan loss allowance to noncurrent loans | 96.1184% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 3,950 |
| Noncurrent loans to loans | 0.8430% | 2,678 |
| Net loans and leases to total assets | 46.8590% | 5,105 |
| Net loans and leases to deposits | 69.8784% | 3,934 |
| Net loans and leases to core deposits | 80.1489% | 3,330 |
| Total domestic deposits to total assets | 67.0580% | 5,992 |
| Equity capital to assets | 9.5845% | 4,457 |
| Core capital (leverage) ratio | 8.4885% | 5,448 |
| Tier 1 risk-based capital ratio | 14.3141% | 3,541 |
| Total risk-based capital ratio | 15.0220% | 3,770 |
| Memoranda: | ||
| Average total assets | $4,871,462,400 | 195 |
| Average earning assets | $4,410,791,600 | 195 |
| Average equity | $481,159,800 | 218 |
| Average total loans | $2,245,925,800 | 261 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5173% | 4,941 |
| Cost of funding earning assets | 0.4148% | 3,069 |
| Net interest margin | 3.1026% | 4,962 |
| Noninterest income to average assets | 0.6953% | 2,245 |
| Noninterest expense to average assets | 2.2720% | 4,852 |
| Loan and lease loss provision to assets | 0.1775% | 1,183 |
| Net operating income to assets | 0.8750% | 3,064 |
| Return on assets (ROA) | 0.9547% | 2,781 |
| Pretax return on assets | 1.1478% | 3,025 |
| Return on Equity (ROE) | 9.5891% | 2,274 |
| Retained earnings to average equity (ytd only) | 6.0740% | 2,200 |
| Net charge-offs to loans | 0.0777% | 2,442 |
| Credit loss provision to net charge-offs | 498.5959% | 658 |
| Earnings coverage of net charge-offs (x) | 34.5258% | 1,370 |
| Efficiency ratio | 63.5560% | 4,326 |
| Assets per employee ($millions) | 6.8832% | 917 |
| Cash dividends to net income (ytd only)* | 36.6577% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 5,470 |
| Loan loss allowance to noncurrent loans | 87.6661% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 3,987 |
| Noncurrent loans to loans | 0.9354% | 2,637 |
| Net loans and leases to total assets | 46.0602% | 5,224 |
| Net loans and leases to deposits | 66.7772% | 4,299 |
| Net loans and leases to core deposits | 75.2994% | 3,875 |
| Total domestic deposits to total assets | 68.9760% | 6,009 |
| Equity capital to assets | 10.2205% | 3,906 |
| Core capital (leverage) ratio | 8.6165% | 5,445 |
| Tier 1 risk-based capital ratio | 15.4861% | 3,057 |
| Total risk-based capital ratio | 16.2141% | 3,253 |
| Memoranda: | ||
| Average total assets | $4,800,447,500 | 201 |
| Average earning assets | $4,341,663,750 | 202 |
| Average equity | $477,917,250 | 222 |
| Average total loans | $2,198,516,250 | 269 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 4,909 |
| Cost of funding earning assets | 0.4137% | 3,112 |
| Net interest margin | 3.1163% | 4,928 |
| Noninterest income to average assets | 0.6940% | 2,239 |
| Noninterest expense to average assets | 2.3367% | 4,755 |
| Loan and lease loss provision to assets | 0.1719% | 1,213 |
| Net operating income to assets | 0.8253% | 3,242 |
| Return on assets (ROA) | 0.9148% | 2,933 |
| Pretax return on assets | 1.1070% | 3,140 |
| Return on Equity (ROE) | 9.2712% | 2,395 |
| Retained earnings to average equity (ytd only) | 6.0550% | 2,214 |
| Net charge-offs to loans | 0.0537% | 2,648 |
| Credit loss provision to net charge-offs | 702.3891% | 482 |
| Earnings coverage of net charge-offs (x) | 47.8635% | 986 |
| Efficiency ratio | 65.2565% | 4,141 |
| Assets per employee ($millions) | 6.6599% | 982 |
| Cash dividends to net income (ytd only)* | 34.6905% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 5,670 |
| Loan loss allowance to noncurrent loans | 79.1512% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 4,113 |
| Noncurrent loans to loans | 0.9717% | 2,706 |
| Net loans and leases to total assets | 44.7664% | 5,328 |
| Net loans and leases to deposits | 62.4475% | 4,667 |
| Net loans and leases to core deposits | 70.0439% | 4,323 |
| Total domestic deposits to total assets | 71.6864% | 5,952 |
| Equity capital to assets | 9.8421% | 4,232 |
| Core capital (leverage) ratio | 8.5712% | 5,471 |
| Tier 1 risk-based capital ratio | 15.7337% | 2,985 |
| Total risk-based capital ratio | 16.4253% | 3,195 |
| Memoranda: | ||
| Average total assets | $4,789,931,670 | 203 |
| Average earning assets | $4,324,845,330 | 205 |
| Average equity | $472,604,330 | 223 |
| Average total loans | $2,183,345,330 | 271 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6038% | 4,680 |
| Cost of funding earning assets | 0.4166% | 3,117 |
| Net interest margin | 3.1872% | 4,656 |
| Noninterest income to average assets | 0.6857% | 2,224 |
| Noninterest expense to average assets | 2.4005% | 4,590 |
| Loan and lease loss provision to assets | 0.3233% | 425 |
| Net operating income to assets | 0.6759% | 3,919 |
| Return on assets (ROA) | 0.8465% | 3,146 |
| Pretax return on assets | 1.0379% | 3,354 |
| Return on Equity (ROE) | 8.5688% | 2,662 |
| Retained earnings to average equity (ytd only) | 2.1050% | 4,624 |
| Net charge-offs to loans | 0.0392% | 2,437 |
| Credit loss provision to net charge-offs | 1,798.1308% | 220 |
| Earnings coverage of net charge-offs (x) | 64.1355% | 695 |
| Efficiency ratio | 66.1828% | 4,128 |
| Assets per employee ($millions) | 5.8744% | 1,490 |
| Cash dividends to net income (ytd only)* | 75.4342% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7769% | 5,743 |
| Loan loss allowance to noncurrent loans | 83.2849% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 4,232 |
| Noncurrent loans to loans | 0.9328% | 2,911 |
| Net loans and leases to total assets | 45.7716% | 5,214 |
| Net loans and leases to deposits | 61.6758% | 4,602 |
| Net loans and leases to core deposits | 68.9898% | 4,241 |
| Total domestic deposits to total assets | 74.2133% | 5,885 |
| Equity capital to assets | 10.0411% | 4,104 |
| Core capital (leverage) ratio | 8.3677% | 5,668 |
| Tier 1 risk-based capital ratio | 15.9073% | 2,963 |
| Total risk-based capital ratio | 16.6211% | 3,145 |
| Memoranda: | ||
| Average total assets | $4,760,676,000 | 202 |
| Average earning assets | $4,283,869,500 | 203 |
| Average equity | $470,312,500 | 222 |
| Average total loans | $2,181,371,000 | 270 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6374% | 4,974 |
| Cost of funding earning assets | 0.4569% | 3,105 |
| Net interest margin | 3.1805% | 4,985 |
| Noninterest income to average assets | 0.5655% | 3,086 |
| Noninterest expense to average assets | 2.1115% | 5,546 |
| Loan and lease loss provision to assets | 0.4027% | 437 |
| Net operating income to assets | 0.8863% | 2,941 |
| Return on assets (ROA) | 0.9565% | 2,676 |
| Pretax return on assets | 1.0440% | 3,329 |
| Return on Equity (ROE) | 9.7696% | 2,208 |
| Retained earnings to average equity (ytd only) | -38.9641% | 6,473 |
| Net charge-offs to loans | 1.3201% | 197 |
| Credit loss provision to net charge-offs | 72.7866% | 3,004 |
| Earnings coverage of net charge-offs (x) | 2.4772% | 4,142 |
| Efficiency ratio | 60.4842% | 5,149 |
| Assets per employee ($millions) | 5.7191% | 1,593 |
| Cash dividends to net income (ytd only)* | 498.8304% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6082% | 6,131 |
| Loan loss allowance to noncurrent loans | 103.4155% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 4,838 |
| Noncurrent loans to loans | 0.5881% | 3,900 |
| Net loans and leases to total assets | 45.0527% | 5,400 |
| Net loans and leases to deposits | 64.1462% | 4,511 |
| Net loans and leases to core deposits | 71.3899% | 4,178 |
| Total domestic deposits to total assets | 70.2343% | 6,185 |
| Equity capital to assets | 10.3452% | 3,669 |
| Core capital (leverage) ratio | 11.2070% | 2,214 |
| Tier 1 risk-based capital ratio | 15.7483% | 3,103 |
| Total risk-based capital ratio | 16.3165% | 3,399 |
| Memoranda: | ||
| Average total assets | $3,709,752,400 | 230 |
| Average earning assets | $3,401,730,800 | 224 |
| Average equity | $363,198,200 | 258 |
| Average total loans | $1,554,707,800 | 322 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 3,990 |
| Cost of funding earning assets | 0.4875% | 2,887 |
| Net interest margin | 3.4577% | 3,989 |
| Noninterest income to average assets | 0.6058% | 2,835 |
| Noninterest expense to average assets | 2.2305% | 5,282 |
| Loan and lease loss provision to assets | 0.4526% | 345 |
| Net operating income to assets | 1.0112% | 2,402 |
| Return on assets (ROA) | 1.0692% | 2,225 |
| Pretax return on assets | 1.1923% | 2,807 |
| Return on Equity (ROE) | 11.1431% | 1,735 |
| Retained earnings to average equity (ytd only) | 5.8797% | 2,480 |
| Net charge-offs to loans | 1.6332% | 136 |
| Credit loss provision to net charge-offs | 68.0827% | 2,804 |
| Earnings coverage of net charge-offs (x) | 2.3771% | 3,929 |
| Efficiency ratio | 58.4486% | 5,384 |
| Assets per employee ($millions) | 5.4318% | 1,787 |
| Cash dividends to net income (ytd only)* | 47.2349% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 5,572 |
| Loan loss allowance to noncurrent loans | 199.2425% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 5,374 |
| Noncurrent loans to loans | 0.4568% | 4,534 |
| Net loans and leases to total assets | 43.4439% | 5,566 |
| Net loans and leases to deposits | 59.7214% | 4,971 |
| Net loans and leases to core deposits | 67.9991% | 4,509 |
| Total domestic deposits to total assets | 72.7443% | 6,110 |
| Equity capital to assets | 10.2095% | 3,921 |
| Core capital (leverage) ratio | 10.0405% | 3,618 |
| Tier 1 risk-based capital ratio | 20.6371% | 1,520 |
| Total risk-based capital ratio | 21.4991% | 1,570 |
| Memoranda: | ||
| Average total assets | $3,431,894,000 | 239 |
| Average earning assets | $3,181,225,000 | 233 |
| Average equity | $329,307,750 | 268 |
| Average total loans | $1,397,043,500 | 346 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 3,661 |
| Cost of funding earning assets | 0.4918% | 2,912 |
| Net interest margin | 3.5259% | 3,675 |
| Noninterest income to average assets | 0.6799% | 2,379 |
| Noninterest expense to average assets | 2.2283% | 5,348 |
| Loan and lease loss provision to assets | 0.3926% | 424 |
| Net operating income to assets | 1.1585% | 1,724 |
| Return on assets (ROA) | 1.1842% | 1,715 |
| Pretax return on assets | 1.3551% | 2,062 |
| Return on Equity (ROE) | 12.6023% | 1,282 |
| Retained earnings to average equity (ytd only) | 7.6740% | 1,447 |
| Net charge-offs to loans | 1.0576% | 321 |
| Credit loss provision to net charge-offs | 93.5328% | 2,122 |
| Earnings coverage of net charge-offs (x) | 4.0932% | 3,176 |
| Efficiency ratio | 56.3810% | 5,705 |
| Assets per employee ($millions) | 5.4843% | 1,706 |
| Cash dividends to net income (ytd only)* | 39.1064% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 3,740 |
| Loan loss allowance to noncurrent loans | 191.2718% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 5,224 |
| Noncurrent loans to loans | 0.6914% | 3,990 |
| Net loans and leases to total assets | 39.3194% | 5,874 |
| Net loans and leases to deposits | 52.7698% | 5,442 |
| Net loans and leases to core deposits | 59.0425% | 5,199 |
| Total domestic deposits to total assets | 74.5111% | 6,062 |
| Equity capital to assets | 9.6525% | 4,557 |
| Core capital (leverage) ratio | 9.5691% | 4,223 |
| Tier 1 risk-based capital ratio | 20.6825% | 1,513 |
| Total risk-based capital ratio | 21.8691% | 1,512 |
| Memoranda: | ||
| Average total assets | $3,455,107,000 | 234 |
| Average earning assets | $3,201,038,000 | 230 |
| Average equity | $324,654,000 | 268 |
| Average total loans | $1,371,354,670 | 346 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 3,501 |
| Cost of funding earning assets | 0.5014% | 2,895 |
| Net interest margin | 3.5433% | 3,508 |
| Noninterest income to average assets | 0.6682% | 2,355 |
| Noninterest expense to average assets | 2.2620% | 5,297 |
| Loan and lease loss provision to assets | 0.4812% | 317 |
| Net operating income to assets | 1.0349% | 2,066 |
| Return on assets (ROA) | 1.0360% | 2,134 |
| Pretax return on assets | 1.2132% | 2,430 |
| Return on Equity (ROE) | 11.1805% | 1,628 |
| Retained earnings to average equity (ytd only) | 7.4114% | 1,852 |
| Net charge-offs to loans | 1.2411% | 269 |
| Credit loss provision to net charge-offs | 97.8688% | 1,718 |
| Earnings coverage of net charge-offs (x) | 3.4438% | 2,684 |
| Efficiency ratio | 57.1071% | 5,743 |
| Assets per employee ($millions) | 5.3934% | 1,811 |
| Cash dividends to net income (ytd only)* | 33.7117% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 3,742 |
| Loan loss allowance to noncurrent loans | 320.1056% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 5,671 |
| Noncurrent loans to loans | 0.4282% | 4,857 |
| Net loans and leases to total assets | 39.4089% | 5,850 |
| Net loans and leases to deposits | 53.0421% | 5,375 |
| Net loans and leases to core deposits | 60.5418% | 4,985 |
| Total domestic deposits to total assets | 74.2973% | 6,218 |
| Equity capital to assets | 9.4712% | 4,535 |
| Core capital (leverage) ratio | 9.2611% | 4,631 |
| Tier 1 risk-based capital ratio | 20.7015% | 1,535 |
| Total risk-based capital ratio | 21.9399% | 1,509 |
| Memoranda: | ||
| Average total assets | $3,435,897,500 | 235 |
| Average earning assets | $3,187,205,500 | 231 |
| Average equity | $318,375,500 | 270 |
| Average total loans | $1,361,012,000 | 346 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 4,753 |
| Cost of funding earning assets | 0.5273% | 3,323 |
| Net interest margin | 3.2896% | 4,702 |
| Noninterest income to average assets | 0.7953% | 2,099 |
| Noninterest expense to average assets | 2.3504% | 5,234 |
| Loan and lease loss provision to assets | 0.2639% | 1,345 |
| Net operating income to assets | 1.0841% | 1,987 |
| Return on assets (ROA) | 1.3021% | 1,288 |
| Pretax return on assets | 1.4937% | 1,462 |
| Return on Equity (ROE) | 14.5631% | 838 |
| Retained earnings to average equity (ytd only) | 9.5773% | 655 |
| Net charge-offs to loans | 0.8125% | 768 |
| Credit loss provision to net charge-offs | 83.8670% | 2,930 |
| Earnings coverage of net charge-offs (x) | 4.7899% | 3,453 |
| Efficiency ratio | 60.8190% | 5,375 |
| Assets per employee ($millions) | 5.3029% | 1,847 |
| Cash dividends to net income (ytd only)* | 34.2356% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 3,669 |
| Loan loss allowance to noncurrent loans | 233.3086% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 5,492 |
| Noncurrent loans to loans | 0.5987% | 4,489 |
| Net loans and leases to total assets | 38.7192% | 6,042 |
| Net loans and leases to deposits | 52.6517% | 5,576 |
| Net loans and leases to core deposits | 61.0343% | 5,141 |
| Total domestic deposits to total assets | 73.5383% | 6,315 |
| Equity capital to assets | 9.0618% | 4,959 |
| Core capital (leverage) ratio | 8.9676% | 5,051 |
| Tier 1 risk-based capital ratio | 20.2224% | 1,606 |
| Total risk-based capital ratio | 21.4627% | 1,573 |
| Memoranda: | ||
| Average total assets | $3,364,969,200 | 228 |
| Average earning assets | $3,132,323,600 | 221 |
| Average equity | $300,855,800 | 277 |
| Average total loans | $1,303,000,800 | 344 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 5,169 |
| Cost of funding earning assets | 0.5355% | 3,413 |
| Net interest margin | 3.1647% | 5,100 |
| Noninterest income to average assets | 0.7426% | 2,398 |
| Noninterest expense to average assets | 2.3885% | 5,057 |
| Loan and lease loss provision to assets | 0.2452% | 1,462 |
| Net operating income to assets | 0.9173% | 2,748 |
| Return on assets (ROA) | 1.2313% | 1,604 |
| Pretax return on assets | 1.4241% | 1,854 |
| Return on Equity (ROE) | 13.8200% | 1,031 |
| Retained earnings to average equity (ytd only) | 9.3473% | 951 |
| Net charge-offs to loans | 0.7624% | 783 |
| Credit loss provision to net charge-offs | 83.3514% | 2,765 |
| Earnings coverage of net charge-offs (x) | 4.4334% | 3,441 |
| Efficiency ratio | 64.5591% | 4,713 |
| Assets per employee ($millions) | 5.3967% | 1,736 |
| Cash dividends to net income (ytd only)* | 32.3635% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 3,601 |
| Loan loss allowance to noncurrent loans | 231.1716% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 5,537 |
| Noncurrent loans to loans | 0.6352% | 4,602 |
| Net loans and leases to total assets | 37.4842% | 6,198 |
| Net loans and leases to deposits | 53.8387% | 5,552 |
| Net loans and leases to core deposits | 63.0014% | 5,010 |
| Total domestic deposits to total assets | 69.6232% | 6,615 |
| Equity capital to assets | 8.4435% | 5,796 |
| Core capital (leverage) ratio | 8.9573% | 5,183 |
| Tier 1 risk-based capital ratio | 19.7282% | 1,807 |
| Total risk-based capital ratio | 20.9783% | 1,769 |
| Memoranda: | ||
| Average total assets | $3,345,819,000 | 227 |
| Average earning assets | $3,118,864,000 | 218 |
| Average equity | $298,102,500 | 278 |
| Average total loans | $1,290,895,000 | 346 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 5,393 |
| Cost of funding earning assets | 0.5652% | 3,265 |
| Net interest margin | 3.0483% | 5,434 |
| Noninterest income to average assets | 0.7318% | 2,494 |
| Noninterest expense to average assets | 2.4348% | 4,945 |
| Loan and lease loss provision to assets | 0.1520% | 2,425 |
| Net operating income to assets | 0.8281% | 3,157 |
| Return on assets (ROA) | 1.2952% | 1,424 |
| Pretax return on assets | 1.5529% | 1,475 |
| Return on Equity (ROE) | 14.2761% | 948 |
| Retained earnings to average equity (ytd only) | 10.9423% | 652 |
| Net charge-offs to loans | 0.7377% | 879 |
| Credit loss provision to net charge-offs | 53.1514% | 3,156 |
| Earnings coverage of net charge-offs (x) | 3.9932% | 3,243 |
| Efficiency ratio | 67.9367% | 4,193 |
| Assets per employee ($millions) | 5.2659% | 1,829 |
| Cash dividends to net income (ytd only)* | 23.3525% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 3,946 |
| Loan loss allowance to noncurrent loans | 224.5996% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 5,571 |
| Noncurrent loans to loans | 0.6320% | 4,676 |
| Net loans and leases to total assets | 37.7373% | 6,193 |
| Net loans and leases to deposits | 50.9904% | 5,774 |
| Net loans and leases to core deposits | 58.4734% | 5,379 |
| Total domestic deposits to total assets | 74.0086% | 6,445 |
| Equity capital to assets | 8.5466% | 5,720 |
| Core capital (leverage) ratio | 9.1446% | 4,764 |
| Tier 1 risk-based capital ratio | 19.7064% | 1,791 |
| Total risk-based capital ratio | 20.9146% | 1,784 |
| Memoranda: | ||
| Average total assets | $3,306,199,330 | 229 |
| Average earning assets | $3,085,830,000 | 219 |
| Average equity | $299,956,330 | 276 |
| Average total loans | $1,281,838,670 | 344 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4684% | 5,788 |
| Cost of funding earning assets | 0.6191% | 2,931 |
| Net interest margin | 2.8493% | 5,917 |
| Noninterest income to average assets | 0.7283% | 2,434 |
| Noninterest expense to average assets | 2.3986% | 5,128 |
| Loan and lease loss provision to assets | 0.0602% | 3,637 |
| Net operating income to assets | 0.7661% | 3,352 |
| Return on assets (ROA) | 1.1926% | 1,655 |
| Pretax return on assets | 1.4649% | 1,670 |
| Return on Equity (ROE) | 12.7621% | 1,225 |
| Retained earnings to average equity (ytd only) | 6.2147% | 2,558 |
| Net charge-offs to loans | 0.7949% | 768 |
| Credit loss provision to net charge-offs | 19.4083% | 3,041 |
| Earnings coverage of net charge-offs (x) | 3.2193% | 2,815 |
| Efficiency ratio | 70.4571% | 3,897 |
| Assets per employee ($millions) | 5.1510% | 2,038 |
| Cash dividends to net income (ytd only)* | 51.3031% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 4,038 |
| Loan loss allowance to noncurrent loans | 216.3089% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 5,685 |
| Noncurrent loans to loans | 0.6672% | 4,788 |
| Net loans and leases to total assets | 38.2903% | 6,133 |
| Net loans and leases to deposits | 54.0777% | 5,432 |
| Net loans and leases to core deposits | 61.0002% | 5,057 |
| Total domestic deposits to total assets | 70.8062% | 6,720 |
| Equity capital to assets | 9.2194% | 5,230 |
| Core capital (leverage) ratio | 9.1507% | 4,639 |
| Tier 1 risk-based capital ratio | 19.9318% | 1,790 |
| Total risk-based capital ratio | 21.1859% | 1,761 |
| Memoranda: | ||
| Average total assets | $3,268,951,000 | 233 |
| Average earning assets | $3,061,974,500 | 223 |
| Average equity | $305,467,500 | 276 |
| Average total loans | $1,275,681,500 | 347 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8148% | 5,791 |
| Cost of funding earning assets | 0.7835% | 2,797 |
| Net interest margin | 3.0313% | 5,972 |
| Noninterest income to average assets | 0.6706% | 2,878 |
| Noninterest expense to average assets | 2.2387% | 5,838 |
| Loan and lease loss provision to assets | 0.3282% | 2,068 |
| Net operating income to assets | 0.7365% | 3,573 |
| Return on assets (ROA) | 1.1715% | 1,859 |
| Pretax return on assets | 1.4637% | 1,805 |
| Return on Equity (ROE) | 12.2973% | 1,416 |
| Retained earnings to average equity (ytd only) | 4.2741% | 3,218 |
| Net charge-offs to loans | 0.7356% | 1,603 |
| Credit loss provision to net charge-offs | 123.5301% | 2,303 |
| Earnings coverage of net charge-offs (x) | 4.6976% | 3,285 |
| Efficiency ratio | 64.0293% | 4,881 |
| Assets per employee ($millions) | 5.1613% | 2,030 |
| Cash dividends to net income (ytd only)* | 65.2435% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 3,201 |
| Loan loss allowance to noncurrent loans | 199.2933% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 5,582 |
| Noncurrent loans to loans | 0.8155% | 4,553 |
| Net loans and leases to total assets | 38.5643% | 6,261 |
| Net loans and leases to deposits | 52.8714% | 5,747 |
| Net loans and leases to core deposits | 60.5413% | 5,315 |
| Total domestic deposits to total assets | 72.9399% | 6,629 |
| Equity capital to assets | 9.4726% | 4,906 |
| Core capital (leverage) ratio | 8.8745% | 5,069 |
| Tier 1 risk-based capital ratio | 20.6052% | 1,547 |
| Total risk-based capital ratio | 21.8622% | 1,512 |
| Memoranda: | ||
| Average total assets | $3,270,813,400 | 234 |
| Average earning assets | $3,038,827,400 | 224 |
| Average equity | $311,596,200 | 264 |
| Average total loans | $1,181,511,000 | 371 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 5,726 |
| Cost of funding earning assets | 0.8142% | 2,829 |
| Net interest margin | 3.1085% | 5,923 |
| Noninterest income to average assets | 0.6387% | 3,055 |
| Noninterest expense to average assets | 2.2184% | 5,909 |
| Loan and lease loss provision to assets | 0.3451% | 1,899 |
| Net operating income to assets | 0.7585% | 3,659 |
| Return on assets (ROA) | 1.1884% | 1,960 |
| Pretax return on assets | 1.5032% | 1,869 |
| Return on Equity (ROE) | 12.4575% | 1,481 |
| Retained earnings to average equity (ytd only) | 8.1975% | 1,534 |
| Net charge-offs to loans | 0.7105% | 1,556 |
| Credit loss provision to net charge-offs | 137.3282% | 2,099 |
| Earnings coverage of net charge-offs (x) | 5.1900% | 3,081 |
| Efficiency ratio | 62.8002% | 5,010 |
| Assets per employee ($millions) | 5.1360% | 2,005 |
| Cash dividends to net income (ytd only)* | 34.1962% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 3,132 |
| Loan loss allowance to noncurrent loans | 175.3701% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 5,655 |
| Noncurrent loans to loans | 0.9722% | 4,494 |
| Net loans and leases to total assets | 37.3825% | 6,455 |
| Net loans and leases to deposits | 52.0306% | 5,975 |
| Net loans and leases to core deposits | 60.9105% | 5,461 |
| Total domestic deposits to total assets | 71.8473% | 6,750 |
| Equity capital to assets | 10.0564% | 4,411 |
| Core capital (leverage) ratio | 8.7540% | 5,395 |
| Tier 1 risk-based capital ratio | 21.1783% | 1,483 |
| Total risk-based capital ratio | 22.4358% | 1,449 |
| Memoranda: | ||
| Average total assets | $3,280,779,500 | 234 |
| Average earning assets | $3,043,678,000 | 225 |
| Average equity | $312,981,750 | 265 |
| Average total loans | $1,160,244,250 | 377 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 5,637 |
| Cost of funding earning assets | 0.8484% | 2,807 |
| Net interest margin | 3.1512% | 5,864 |
| Noninterest income to average assets | 0.5853% | 3,351 |
| Noninterest expense to average assets | 2.1925% | 6,030 |
| Loan and lease loss provision to assets | 0.3165% | 2,086 |
| Net operating income to assets | 0.7670% | 3,525 |
| Return on assets (ROA) | 1.1962% | 1,929 |
| Pretax return on assets | 1.5423% | 1,735 |
| Return on Equity (ROE) | 12.7638% | 1,423 |
| Retained earnings to average equity (ytd only) | 12.7638% | 466 |
| Net charge-offs to loans | 0.6270% | 1,755 |
| Credit loss provision to net charge-offs | 146.3046% | 1,894 |
| Earnings coverage of net charge-offs (x) | 6.0487% | 2,709 |
| Efficiency ratio | 62.4431% | 5,174 |
| Assets per employee ($millions) | 5.4950% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 3,207 |
| Loan loss allowance to noncurrent loans | 200.3771% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 5,905 |
| Noncurrent loans to loans | 0.8507% | 4,819 |
| Net loans and leases to total assets | 34.2897% | 6,716 |
| Net loans and leases to deposits | 48.5593% | 6,277 |
| Net loans and leases to core deposits | 57.3351% | 5,827 |
| Total domestic deposits to total assets | 70.6140% | 6,877 |
| Equity capital to assets | 9.3079% | 5,306 |
| Core capital (leverage) ratio | 8.7504% | 5,295 |
| Tier 1 risk-based capital ratio | 21.0175% | 1,481 |
| Total risk-based capital ratio | 22.2741% | 1,452 |
| Memoranda: | ||
| Average total assets | $3,302,655,670 | 234 |
| Average earning assets | $3,055,703,330 | 224 |
| Average equity | $309,532,670 | 265 |
| Average total loans | $1,139,408,000 | 384 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 4,984 |
| Cost of funding earning assets | 0.9203% | 2,517 |
| Net interest margin | 3.3127% | 5,428 |
| Noninterest income to average assets | 0.6043% | 3,206 |
| Noninterest expense to average assets | 2.1866% | 6,076 |
| Loan and lease loss provision to assets | 0.3749% | 1,682 |
| Net operating income to assets | 0.8258% | 3,272 |
| Return on assets (ROA) | 1.3630% | 1,450 |
| Pretax return on assets | 1.8059% | 1,056 |
| Return on Equity (ROE) | 14.4912% | 1,080 |
| Retained earnings to average equity (ytd only) | 14.4912% | 509 |
| Net charge-offs to loans | 0.5437% | 1,728 |
| Credit loss provision to net charge-offs | 201.0540% | 1,329 |
| Earnings coverage of net charge-offs (x) | 7.8531% | 2,029 |
| Efficiency ratio | 59.7039% | 5,663 |
| Assets per employee ($millions) | 5.1570% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 3,138 |
| Loan loss allowance to noncurrent loans | 180.9936% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 5,923 |
| Noncurrent loans to loans | 0.9705% | 4,740 |
| Net loans and leases to total assets | 34.9454% | 6,695 |
| Net loans and leases to deposits | 48.4551% | 6,265 |
| Net loans and leases to core deposits | 58.4608% | 5,674 |
| Total domestic deposits to total assets | 72.1190% | 6,871 |
| Equity capital to assets | 9.6036% | 4,646 |
| Core capital (leverage) ratio | 8.8462% | 5,072 |
| Tier 1 risk-based capital ratio | 19.9199% | 1,730 |
| Total risk-based capital ratio | 21.1759% | 1,699 |
| Memoranda: | ||
| Average total assets | $3,256,019,500 | 234 |
| Average earning assets | $2,994,639,000 | 225 |
| Average equity | $306,255,000 | 266 |
| Average total loans | $1,116,788,500 | 387 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 5,113 |
| Cost of funding earning assets | 1.1100% | 2,607 |
| Net interest margin | 3.3808% | 5,542 |
| Noninterest income to average assets | 0.7430% | 2,374 |
| Noninterest expense to average assets | 2.2198% | 6,227 |
| Loan and lease loss provision to assets | 0.2386% | 3,821 |
| Net operating income to assets | 1.1114% | 1,789 |
| Return on assets (ROA) | 1.3609% | 1,199 |
| Pretax return on assets | 1.7539% | 890 |
| Return on Equity (ROE) | 14.8614% | 770 |
| Retained earnings to average equity (ytd only) | 8.9534% | 818 |
| Net charge-offs to loans | 0.9070% | 1,915 |
| Credit loss provision to net charge-offs | 77.5422% | 4,576 |
| Earnings coverage of net charge-offs (x) | 5.3967% | 2,807 |
| Efficiency ratio | 57.0008% | 6,185 |
| Assets per employee ($millions) | 5.8915% | 1,314 |
| Cash dividends to net income (ytd only)* | 39.7540% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 3,203 |
| Loan loss allowance to noncurrent loans | 179.8778% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 6,123 |
| Noncurrent loans to loans | 0.9449% | 4,813 |
| Net loans and leases to total assets | 32.4996% | 6,931 |
| Net loans and leases to deposits | 45.9902% | 6,628 |
| Net loans and leases to core deposits | 57.6898% | 6,022 |
| Total domestic deposits to total assets | 70.6663% | 6,956 |
| Equity capital to assets | 9.2132% | 5,264 |
| Core capital (leverage) ratio | 8.2985% | 5,859 |
| Tier 1 risk-based capital ratio | 20.2620% | 1,578 |
| Total risk-based capital ratio | 21.5178% | 1,555 |
| Memoranda: | ||
| Average total assets | $3,142,176,600 | 235 |
| Average earning assets | $2,915,764,200 | 226 |
| Average equity | $287,745,800 | 270 |
| Average total loans | $1,065,820,400 | 399 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 5,050 |
| Cost of funding earning assets | 1.1604% | 2,568 |
| Net interest margin | 3.3978% | 5,583 |
| Noninterest income to average assets | 0.8101% | 2,009 |
| Noninterest expense to average assets | 2.2708% | 6,117 |
| Loan and lease loss provision to assets | 0.2343% | 3,670 |
| Net operating income to assets | 1.1361% | 1,862 |
| Return on assets (ROA) | 1.3820% | 1,275 |
| Pretax return on assets | 1.7825% | 985 |
| Return on Equity (ROE) | 15.1161% | 826 |
| Retained earnings to average equity (ytd only) | 11.3562% | 575 |
| Net charge-offs to loans | 1.0034% | 1,604 |
| Credit loss provision to net charge-offs | 68.3722% | 4,537 |
| Earnings coverage of net charge-offs (x) | 4.9176% | 2,922 |
| Efficiency ratio | 57.1914% | 6,115 |
| Assets per employee ($millions) | 5.7271% | 1,409 |
| Cash dividends to net income (ytd only)* | 24.8733% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 3,139 |
| Loan loss allowance to noncurrent loans | 170.5965% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 6,108 |
| Noncurrent loans to loans | 1.0193% | 4,854 |
| Net loans and leases to total assets | 32.0459% | 7,026 |
| Net loans and leases to deposits | 44.6578% | 6,803 |
| Net loans and leases to core deposits | 56.0902% | 6,310 |
| Total domestic deposits to total assets | 71.7588% | 6,949 |
| Equity capital to assets | 9.5590% | 4,996 |
| Core capital (leverage) ratio | 8.6123% | 5,532 |
| Tier 1 risk-based capital ratio | 20.7047% | 1,522 |
| Total risk-based capital ratio | 21.9609% | 1,488 |
| Memoranda: | ||
| Average total assets | $3,102,908,250 | 234 |
| Average earning assets | $2,872,715,500 | 226 |
| Average equity | $283,690,750 | 273 |
| Average total loans | $1,059,580,000 | 403 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6342% | 4,824 |
| Cost of funding earning assets | 1.2143% | 2,480 |
| Net interest margin | 3.4199% | 5,481 |
| Noninterest income to average assets | 1.0928% | 1,082 |
| Noninterest expense to average assets | 2.3321% | 6,047 |
| Loan and lease loss provision to assets | 0.2606% | 3,316 |
| Net operating income to assets | 1.2900% | 1,347 |
| Return on assets (ROA) | 1.4797% | 985 |
| Pretax return on assets | 1.9227% | 672 |
| Return on Equity (ROE) | 16.4449% | 617 |
| Retained earnings to average equity (ytd only) | 16.4449% | 188 |
| Net charge-offs to loans | 0.9961% | 1,576 |
| Credit loss provision to net charge-offs | 75.4340% | 3,903 |
| Earnings coverage of net charge-offs (x) | 5.5436% | 2,589 |
| Efficiency ratio | 54.7002% | 6,543 |
| Assets per employee ($millions) | 5.4808% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8635% | 2,786 |
| Loan loss allowance to noncurrent loans | 146.8043% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 5,982 |
| Noncurrent loans to loans | 1.2694% | 4,546 |
| Net loans and leases to total assets | 32.8336% | 7,082 |
| Net loans and leases to deposits | 45.5898% | 6,848 |
| Net loans and leases to core deposits | 57.7499% | 6,288 |
| Total domestic deposits to total assets | 72.0196% | 7,004 |
| Equity capital to assets | 9.5210% | 4,789 |
| Core capital (leverage) ratio | 8.9527% | 4,802 |
| Tier 1 risk-based capital ratio | 20.7314% | 1,471 |
| Total risk-based capital ratio | 21.9885% | 1,445 |
| Memoranda: | ||
| Average total assets | $3,068,147,000 | 235 |
| Average earning assets | $2,830,109,330 | 231 |
| Average equity | $276,062,000 | 280 |
| Average total loans | $1,064,119,330 | 410 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 5,232 |
| Cost of funding earning assets | 1.2571% | 2,457 |
| Net interest margin | 3.2760% | 5,859 |
| Noninterest income to average assets | 1.0315% | 1,238 |
| Noninterest expense to average assets | 2.3643% | 6,007 |
| Loan and lease loss provision to assets | 0.2808% | 2,910 |
| Net operating income to assets | 1.1556% | 1,646 |
| Return on assets (ROA) | 1.2091% | 1,554 |
| Pretax return on assets | 1.5025% | 1,440 |
| Return on Equity (ROE) | 13.8490% | 1,020 |
| Retained earnings to average equity (ytd only) | 13.8490% | 487 |
| Net charge-offs to loans | 1.1415% | 1,216 |
| Credit loss provision to net charge-offs | 69.6644% | 3,359 |
| Earnings coverage of net charge-offs (x) | 4.2007% | 2,541 |
| Efficiency ratio | 58.0436% | 6,266 |
| Assets per employee ($millions) | 5.4911% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 2,842 |
| Loan loss allowance to noncurrent loans | 137.6383% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 5,956 |
| Noncurrent loans to loans | 1.3477% | 4,461 |
| Net loans and leases to total assets | 33.7917% | 7,099 |
| Net loans and leases to deposits | 47.4233% | 6,775 |
| Net loans and leases to core deposits | 60.7391% | 6,047 |
| Total domestic deposits to total assets | 71.2554% | 7,123 |
| Equity capital to assets | 8.7863% | 5,517 |
| Core capital (leverage) ratio | 8.6124% | 5,249 |
| Tier 1 risk-based capital ratio | 19.7431% | 1,639 |
| Total risk-based capital ratio | 21.0005% | 1,612 |
| Memoranda: | ||
| Average total assets | $3,045,679,500 | 237 |
| Average earning assets | $2,813,172,000 | 230 |
| Average equity | $265,895,500 | 288 |
| Average total loans | $1,075,406,000 | 409 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 5,631 |
| Cost of funding earning assets | 1.5198% | 2,534 |
| Net interest margin | 3.2268% | 6,202 |
| Noninterest income to average assets | 0.8286% | 2,145 |
| Noninterest expense to average assets | 2.3069% | 6,341 |
| Loan and lease loss provision to assets | 0.4569% | 3,384 |
| Net operating income to assets | 0.7894% | 2,850 |
| Return on assets (ROA) | 1.4076% | 1,010 |
| Pretax return on assets | 1.8563% | 674 |
| Return on Equity (ROE) | 16.1744% | 562 |
| Retained earnings to average equity (ytd only) | 5.4740% | 2,129 |
| Net charge-offs to loans | 1.2414% | 1,808 |
| Credit loss provision to net charge-offs | 106.3071% | 4,204 |
| Earnings coverage of net charge-offs (x) | 3.4663% | 3,343 |
| Efficiency ratio | 60.4830% | 5,971 |
| Assets per employee ($millions) | 5.1538% | 1,941 |
| Cash dividends to net income (ytd only)* | 66.1563% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 2,536 |
| Loan loss allowance to noncurrent loans | 142.2947% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 6,031 |
| Noncurrent loans to loans | 1.3421% | 4,473 |
| Net loans and leases to total assets | 35.5266% | 7,179 |
| Net loans and leases to deposits | 49.6173% | 6,875 |
| Net loans and leases to core deposits | 63.9155% | 6,058 |
| Total domestic deposits to total assets | 71.6012% | 7,121 |
| Equity capital to assets | 8.6723% | 5,621 |
| Core capital (leverage) ratio | 8.0877% | 6,046 |
| Tier 1 risk-based capital ratio | 18.9806% | 1,729 |
| Total risk-based capital ratio | 20.2389% | 1,690 |
| Memoranda: | ||
| Average total assets | $3,006,765,000 | 244 |
| Average earning assets | $2,765,667,600 | 237 |
| Average equity | $261,673,400 | 288 |
| Average total loans | $1,040,942,400 | 431 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 5,885 |
| Cost of funding earning assets | 1.5589% | 2,612 |
| Net interest margin | 3.1832% | 6,401 |
| Noninterest income to average assets | 0.8539% | 1,981 |
| Noninterest expense to average assets | 2.2944% | 6,346 |
| Loan and lease loss provision to assets | 0.4132% | 3,424 |
| Net operating income to assets | 0.8161% | 2,934 |
| Return on assets (ROA) | 1.5209% | 964 |
| Pretax return on assets | 2.0339% | 580 |
| Return on Equity (ROE) | 17.4604% | 537 |
| Retained earnings to average equity (ytd only) | 8.3063% | 1,315 |
| Net charge-offs to loans | 1.3582% | 1,496 |
| Credit loss provision to net charge-offs | 88.8974% | 4,811 |
| Earnings coverage of net charge-offs (x) | 3.2017% | 3,542 |
| Efficiency ratio | 60.3701% | 5,896 |
| Assets per employee ($millions) | 5.1746% | 1,969 |
| Cash dividends to net income (ytd only)* | 52.4277% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 2,806 |
| Loan loss allowance to noncurrent loans | 127.4738% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 6,096 |
| Noncurrent loans to loans | 1.4084% | 4,504 |
| Net loans and leases to total assets | 34.0209% | 7,343 |
| Net loans and leases to deposits | 50.6260% | 6,975 |
| Net loans and leases to core deposits | 64.5141% | 6,256 |
| Total domestic deposits to total assets | 67.2004% | 7,416 |
| Equity capital to assets | 9.0182% | 5,553 |
| Core capital (leverage) ratio | 8.5220% | 5,464 |
| Tier 1 risk-based capital ratio | 19.6551% | 1,614 |
| Total risk-based capital ratio | 20.9121% | 1,582 |
| Memoranda: | ||
| Average total assets | $3,009,867,250 | 240 |
| Average earning assets | $2,769,176,250 | 235 |
| Average equity | $262,171,750 | 283 |
| Average total loans | $1,030,052,250 | 432 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7528% | 5,962 |
| Cost of funding earning assets | 1.5719% | 2,820 |
| Net interest margin | 3.1809% | 6,378 |
| Noninterest income to average assets | 0.8370% | 1,932 |
| Noninterest expense to average assets | 2.2964% | 6,364 |
| Loan and lease loss provision to assets | 0.4072% | 3,277 |
| Net operating income to assets | 0.8092% | 2,926 |
| Return on assets (ROA) | 1.4941% | 982 |
| Pretax return on assets | 1.9818% | 618 |
| Return on Equity (ROE) | 17.3578% | 533 |
| Retained earnings to average equity (ytd only) | 9.6367% | 931 |
| Net charge-offs to loans | 1.3143% | 1,446 |
| Credit loss provision to net charge-offs | 90.9050% | 4,399 |
| Earnings coverage of net charge-offs (x) | 3.2721% | 3,390 |
| Efficiency ratio | 60.7451% | 5,909 |
| Assets per employee ($millions) | 5.1433% | 1,992 |
| Cash dividends to net income (ytd only)* | 44.4820% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 2,442 |
| Loan loss allowance to noncurrent loans | 122.3541% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 6,041 |
| Noncurrent loans to loans | 1.5436% | 4,394 |
| Net loans and leases to total assets | 33.8123% | 7,428 |
| Net loans and leases to deposits | 51.7775% | 6,992 |
| Net loans and leases to core deposits | 62.3509% | 6,524 |
| Total domestic deposits to total assets | 65.3030% | 7,554 |
| Equity capital to assets | 9.0486% | 5,370 |
| Core capital (leverage) ratio | 8.2513% | 5,853 |
| Tier 1 risk-based capital ratio | 19.1961% | 1,677 |
| Total risk-based capital ratio | 20.4535% | 1,635 |
| Memoranda: | ||
| Average total assets | $3,009,288,000 | 242 |
| Average earning assets | $2,767,332,670 | 237 |
| Average equity | $259,031,000 | 285 |
| Average total loans | $1,025,634,330 | 439 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 4,968 |
| Cost of funding earning assets | 1.5924% | 3,009 |
| Net interest margin | 3.4192% | 5,504 |
| Noninterest income to average assets | 0.8029% | 2,005 |
| Noninterest expense to average assets | 2.2463% | 6,558 |
| Loan and lease loss provision to assets | 0.5100% | 2,457 |
| Net operating income to assets | 0.8891% | 2,598 |
| Return on assets (ROA) | 1.6383% | 747 |
| Pretax return on assets | 2.2150% | 409 |
| Return on Equity (ROE) | 19.5214% | 408 |
| Retained earnings to average equity (ytd only) | 3.8049% | 3,858 |
| Net charge-offs to loans | 1.6713% | 1,038 |
| Credit loss provision to net charge-offs | 90.0349% | 3,658 |
| Earnings coverage of net charge-offs (x) | 3.0058% | 3,049 |
| Efficiency ratio | 56.5946% | 6,682 |
| Assets per employee ($millions) | 5.3808% | 1,787 |
| Cash dividends to net income (ytd only)* | 80.5088% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9096% | 2,412 |
| Loan loss allowance to noncurrent loans | 106.1852% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 5,846 |
| Noncurrent loans to loans | 1.7984% | 4,052 |
| Net loans and leases to total assets | 32.8354% | 7,539 |
| Net loans and leases to deposits | 51.6579% | 7,060 |
| Net loans and leases to core deposits | 62.2783% | 6,575 |
| Total domestic deposits to total assets | 63.5631% | 7,687 |
| Equity capital to assets | 8.3228% | 6,273 |
| Core capital (leverage) ratio | 8.1004% | 6,073 |
| Tier 1 risk-based capital ratio | 18.2217% | 1,894 |
| Total risk-based capital ratio | 19.4790% | 1,865 |
| Memoranda: | ||
| Average total assets | $3,032,655,000 | 250 |
| Average earning assets | $2,790,580,000 | 245 |
| Average equity | $254,511,000 | 292 |
| Average total loans | $1,027,956,500 | 459 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 3,773 |
| Cost of funding earning assets | 1.8901% | 3,517 |
| Net interest margin | 3.6767% | 4,233 |
| Noninterest income to average assets | 0.8933% | 1,967 |
| Noninterest expense to average assets | 2.4486% | 6,307 |
| Loan and lease loss provision to assets | 0.5333% | 3,704 |
| Net operating income to assets | 0.9428% | 2,034 |
| Return on assets (ROA) | 1.6762% | 494 |
| Pretax return on assets | 2.3210% | 216 |
| Return on Equity (ROE) | 20.2235% | 234 |
| Retained earnings to average equity (ytd only) | 15.5344% | 84 |
| Net charge-offs to loans | 1.1046% | 2,212 |
| Credit loss provision to net charge-offs | 133.4601% | 3,737 |
| Earnings coverage of net charge-offs (x) | 4.5810% | 2,897 |
| Efficiency ratio | 56.9078% | 6,900 |
| Assets per employee ($millions) | 5.3828% | 1,760 |
| Cash dividends to net income (ytd only)* | 23.1862% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9197% | 2,215 |
| Loan loss allowance to noncurrent loans | 104.9312% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 5,709 |
| Noncurrent loans to loans | 1.8294% | 3,885 |
| Net loans and leases to total assets | 33.6626% | 7,606 |
| Net loans and leases to deposits | 54.3223% | 7,030 |
| Net loans and leases to core deposits | 70.4694% | 6,737 |
| Total domestic deposits to total assets | 61.9684% | 7,763 |
| Equity capital to assets | 8.4624% | 5,945 |
| Core capital (leverage) ratio | 7.9532% | 6,256 |
| Tier 1 risk-based capital ratio | 17.6856% | 1,976 |
| Total risk-based capital ratio | 18.9428% | 1,927 |
| Memoranda: | ||
| Average total assets | $2,830,310,200 | 263 |
| Average earning assets | $2,606,362,400 | 259 |
| Average equity | $234,588,800 | 303 |
| Average total loans | $1,023,782,400 | 471 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5954% | 3,889 |
| Cost of funding earning assets | 1.9660% | 3,540 |
| Net interest margin | 3.6294% | 4,375 |
| Noninterest income to average assets | 0.9239% | 1,888 |
| Noninterest expense to average assets | 2.4521% | 6,239 |
| Loan and lease loss provision to assets | 0.4781% | 3,519 |
| Net operating income to assets | 0.9713% | 2,157 |
| Return on assets (ROA) | 1.7335% | 557 |
| Pretax return on assets | 2.4132% | 226 |
| Return on Equity (ROE) | 21.0346% | 255 |
| Retained earnings to average equity (ytd only) | 14.6399% | 170 |
| Net charge-offs to loans | 0.9990% | 1,975 |
| Credit loss provision to net charge-offs | 130.5087% | 3,837 |
| Earnings coverage of net charge-offs (x) | 4.9647% | 2,959 |
| Efficiency ratio | 57.0844% | 6,860 |
| Assets per employee ($millions) | 5.4195% | 1,689 |
| Cash dividends to net income (ytd only)* | 30.4010% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 2,253 |
| Loan loss allowance to noncurrent loans | 103.1484% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 5,760 |
| Noncurrent loans to loans | 1.7531% | 3,988 |
| Net loans and leases to total assets | 34.0984% | 7,687 |
| Net loans and leases to deposits | 55.8463% | 7,101 |
| Net loans and leases to core deposits | 72.6099% | 6,804 |
| Total domestic deposits to total assets | 61.0576% | 7,851 |
| Equity capital to assets | 8.5468% | 6,189 |
| Core capital (leverage) ratio | 7.8782% | 6,531 |
| Tier 1 risk-based capital ratio | 17.1463% | 2,233 |
| Total risk-based capital ratio | 18.4036% | 2,177 |
| Memoranda: | ||
| Average total assets | $2,782,943,250 | 279 |
| Average earning assets | $2,566,514,750 | 272 |
| Average equity | $229,349,250 | 319 |
| Average total loans | $1,020,619,750 | 486 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7498% | 3,295 |
| Cost of funding earning assets | 2.0627% | 3,461 |
| Net interest margin | 3.6871% | 4,009 |
| Noninterest income to average assets | 0.9516% | 1,750 |
| Noninterest expense to average assets | 2.5015% | 6,120 |
| Loan and lease loss provision to assets | 0.5131% | 2,969 |
| Net operating income to assets | 0.9608% | 2,243 |
| Return on assets (ROA) | 1.8314% | 470 |
| Pretax return on assets | 2.5785% | 177 |
| Return on Equity (ROE) | 22.5216% | 214 |
| Retained earnings to average equity (ytd only) | 12.6169% | 367 |
| Net charge-offs to loans | 0.8454% | 2,002 |
| Credit loss provision to net charge-offs | 162.3870% | 2,831 |
| Earnings coverage of net charge-offs (x) | 5.8440% | 2,746 |
| Efficiency ratio | 57.1984% | 6,967 |
| Assets per employee ($millions) | 4.9801% | 2,097 |
| Cash dividends to net income (ytd only)* | 43.9789% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 1,948 |
| Loan loss allowance to noncurrent loans | 130.8195% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 5,807 |
| Noncurrent loans to loans | 1.4050% | 4,402 |
| Net loans and leases to total assets | 36.6632% | 7,682 |
| Net loans and leases to deposits | 58.8836% | 6,970 |
| Net loans and leases to core deposits | 78.0355% | 6,545 |
| Total domestic deposits to total assets | 62.2638% | 7,883 |
| Equity capital to assets | 8.3337% | 6,286 |
| Core capital (leverage) ratio | 7.6407% | 6,839 |
| Tier 1 risk-based capital ratio | 16.6784% | 2,400 |
| Total risk-based capital ratio | 17.9379% | 2,344 |
| Memoranda: | ||
| Average total assets | $2,731,467,000 | 290 |
| Average earning assets | $2,516,050,330 | 282 |
| Average equity | $222,115,330 | 335 |
| Average total loans | $1,020,812,670 | 501 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8278% | 3,156 |
| Cost of funding earning assets | 2.1548% | 3,394 |
| Net interest margin | 3.6730% | 4,004 |
| Noninterest income to average assets | 0.8824% | 1,921 |
| Noninterest expense to average assets | 2.3705% | 6,292 |
| Loan and lease loss provision to assets | 0.5265% | 2,364 |
| Net operating income to assets | 0.9755% | 2,416 |
| Return on assets (ROA) | 2.1888% | 273 |
| Pretax return on assets | 3.1519% | 111 |
| Return on Equity (ROE) | 27.2571% | 138 |
| Retained earnings to average equity (ytd only) | 16.3002% | 313 |
| Net charge-offs to loans | 0.8905% | 1,473 |
| Credit loss provision to net charge-offs | 158.1498% | 2,670 |
| Earnings coverage of net charge-offs (x) | 5.7004% | 2,622 |
| Efficiency ratio | 55.1898% | 7,079 |
| Assets per employee ($millions) | 5.1390% | 1,908 |
| Cash dividends to net income (ytd only)* | 40.1983% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 2,092 |
| Loan loss allowance to noncurrent loans | 135.8796% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 5,730 |
| Noncurrent loans to loans | 1.2623% | 4,458 |
| Net loans and leases to total assets | 36.1970% | 7,723 |
| Net loans and leases to deposits | 59.2627% | 6,951 |
| Net loans and leases to core deposits | 79.4471% | 6,428 |
| Total domestic deposits to total assets | 61.0789% | 7,941 |
| Equity capital to assets | 8.1514% | 6,597 |
| Core capital (leverage) ratio | 7.6888% | 6,898 |
| Tier 1 risk-based capital ratio | 16.4833% | 2,518 |
| Total risk-based capital ratio | 17.7354% | 2,456 |
| Memoranda: | ||
| Average total assets | $2,727,663,500 | 290 |
| Average earning assets | $2,514,356,000 | 284 |
| Average equity | $219,040,500 | 343 |
| Average total loans | $1,019,701,000 | 506 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2431% | 4,282 |
| Cost of funding earning assets | 2.5840% | 3,771 |
| Net interest margin | 3.6590% | 4,645 |
| Noninterest income to average assets | 1.1594% | 1,151 |
| Noninterest expense to average assets | 2.4513% | 6,200 |
| Loan and lease loss provision to assets | 0.5704% | 2,542 |
| Net operating income to assets | 1.0584% | 2,319 |
| Return on assets (ROA) | 1.4288% | 1,126 |
| Pretax return on assets | 1.9784% | 642 |
| Return on Equity (ROE) | 17.7085% | 555 |
| Retained earnings to average equity (ytd only) | 14.6066% | 103 |
| Net charge-offs to loans | 0.7401% | 1,672 |
| Credit loss provision to net charge-offs | 186.9191% | 2,658 |
| Earnings coverage of net charge-offs (x) | 6.6661% | 3,304 |
| Efficiency ratio | 54.2321% | 7,244 |
| Assets per employee ($millions) | 5.0958% | 1,846 |
| Cash dividends to net income (ytd only)* | 17.5167% | 4,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 2,343 |
| Loan loss allowance to noncurrent loans | 108.1342% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 5,492 |
| Noncurrent loans to loans | 1.4564% | 3,616 |
| Net loans and leases to total assets | 37.3542% | 7,781 |
| Net loans and leases to deposits | 64.5866% | 6,746 |
| Net loans and leases to core deposits | 79.2237% | 6,675 |
| Total domestic deposits to total assets | 57.8358% | 8,018 |
| Equity capital to assets | 7.9064% | 6,960 |
| Core capital (leverage) ratio | 7.5124% | 7,195 |
| Tier 1 risk-based capital ratio | 16.1030% | 2,627 |
| Total risk-based capital ratio | 17.3541% | 2,561 |
| Memoranda: | ||
| Average total assets | $2,397,287,200 | 309 |
| Average earning assets | $2,179,264,600 | 307 |
| Average equity | $193,426,400 | 382 |
| Average total loans | $988,479,200 | 498 |