| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7454% | 2,583 |
| Cost of funding earning assets | 1.6646% | 1,529 |
| Net interest margin | 3.0807% | 3,134 |
| Noninterest income to average assets | 1.7900% | 307 |
| Noninterest expense to average assets | 3.3046% | 733 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9310% | 2,441 |
| Return on assets (ROA) | 0.9225% | 2,449 |
| Pretax return on assets | 1.1090% | 2,388 |
| Return on Equity (ROE) | 7.8200% | 3,076 |
| Retained earnings to average equity (ytd only) | 4.0867% | 2,928 |
| Net charge-offs to loans | 0.0255% | 1,808 |
| Credit loss provision to net charge-offs | 595.7942% | 595 |
| Earnings coverage of net charge-offs (x) | 71.3535% | 1,086 |
| Efficiency ratio | 70.9711% | 1,760 |
| Assets per employee ($millions) | 6.3528% | 2,511 |
| Cash dividends to net income (ytd only)* | 47.7286% | 1,739 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1017% | 2,830 |
| Loan loss allowance to noncurrent loans | 1,653.5173% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 3,282 |
| Noncurrent loans to loans | 0.0666% | 3,237 |
| Net loans and leases to total assets | 67.4300% | 2,101 |
| Net loans and leases to deposits | 81.0276% | 2,031 |
| Net loans and leases to core deposits | 89.4585% | 2,093 |
| Total domestic deposits to total assets | 83.2200% | 2,836 |
| Equity capital to assets | 12.1174% | 1,090 |
| Core capital (leverage) ratio | 10.1714% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0616% | 1,518 |
| Memoranda: |
| Average total assets | $16,663,335,200 | 111 |
| Average earning assets | $14,865,782,200 | 112 |
| Average equity | $1,966,087,400 | 98 |
| Average total loans | $11,301,178,600 | 113 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6828% | 2,505 |
| Cost of funding earning assets | 1.5368% | 1,516 |
| Net interest margin | 3.1460% | 3,038 |
| Noninterest income to average assets | 1.9200% | 293 |
| Noninterest expense to average assets | 3.3518% | 669 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.0155% | 2,320 |
| Return on assets (ROA) | 1.0020% | 2,346 |
| Pretax return on assets | 1.2301% | 2,227 |
| Return on Equity (ROE) | 8.5500% | 3,045 |
| Retained earnings to average equity (ytd only) | 4.8102% | 2,999 |
| Net charge-offs to loans | 0.0333% | 1,421 |
| Credit loss provision to net charge-offs | 561.4454% | 584 |
| Earnings coverage of net charge-offs (x) | 61.0502% | 1,196 |
| Efficiency ratio | 69.0766% | 1,890 |
| Assets per employee ($millions) | 6.2263% | 2,543 |
| Cash dividends to net income (ytd only)* | 43.7479% | 1,496 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1017% | 2,861 |
| Loan loss allowance to noncurrent loans | 1,538.9032% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,300 |
| Noncurrent loans to loans | 0.0716% | 3,245 |
| Net loans and leases to total assets | 67.3600% | 2,125 |
| Net loans and leases to deposits | 80.1593% | 2,034 |
| Net loans and leases to core deposits | 87.8382% | 2,060 |
| Total domestic deposits to total assets | 84.0300% | 2,764 |
| Equity capital to assets | 11.7982% | 1,092 |
| Core capital (leverage) ratio | 10.0574% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0900% | 1,535 |
| Memoranda: |
| Average total assets | $16,620,408,500 | 112 |
| Average earning assets | $14,841,237,250 | 114 |
| Average equity | $1,947,616,000 | 100 |
| Average total loans | $11,256,720,500 | 114 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5598% | 2,504 |
| Cost of funding earning assets | 1.3648% | 1,541 |
| Net interest margin | 3.1950% | 3,005 |
| Noninterest income to average assets | 2.0100% | 240 |
| Noninterest expense to average assets | 3.4612% | 566 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.9860% | 2,465 |
| Return on assets (ROA) | 0.9644% | 2,525 |
| Pretax return on assets | 1.1935% | 2,377 |
| Return on Equity (ROE) | 8.2500% | 3,171 |
| Retained earnings to average equity (ytd only) | 4.5470% | 3,068 |
| Net charge-offs to loans | 0.0692% | 869 |
| Credit loss provision to net charge-offs | 391.4499% | 743 |
| Earnings coverage of net charge-offs (x) | 29.9912% | 1,551 |
| Efficiency ratio | 69.3890% | 1,823 |
| Assets per employee ($millions) | 6.3444% | 2,434 |
| Cash dividends to net income (ytd only)* | 44.8775% | 1,500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0799% | 3,039 |
| Loan loss allowance to noncurrent loans | 1,718.5752% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,245 |
| Noncurrent loans to loans | 0.0628% | 3,252 |
| Net loans and leases to total assets | 65.6800% | 2,189 |
| Net loans and leases to deposits | 81.3177% | 1,887 |
| Net loans and leases to core deposits | 87.8479% | 1,936 |
| Total domestic deposits to total assets | 80.7700% | 3,463 |
| Equity capital to assets | 11.4591% | 1,210 |
| Core capital (leverage) ratio | 9.8512% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8841% | 1,602 |
| Memoranda: |
| Average total assets | $16,600,425,333 | 111 |
| Average earning assets | $14,840,136,333 | 110 |
| Average equity | $1,940,825,667 | 98 |
| Average total loans | $11,221,953,667 | 112 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4837% | 2,357 |
| Cost of funding earning assets | 1.0979% | 1,757 |
| Net interest margin | 3.3858% | 2,672 |
| Noninterest income to average assets | 1.9200% | 242 |
| Noninterest expense to average assets | 3.4748% | 556 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.9449% | 2,703 |
| Return on assets (ROA) | 0.9414% | 2,671 |
| Pretax return on assets | 1.1771% | 2,487 |
| Return on Equity (ROE) | 7.9700% | 3,298 |
| Retained earnings to average equity (ytd only) | 4.3918% | 3,155 |
| Net charge-offs to loans | 0.1394% | 481 |
| Credit loss provision to net charge-offs | 301.4972% | 690 |
| Earnings coverage of net charge-offs (x) | 15.4969% | 1,543 |
| Efficiency ratio | 68.4616% | 1,923 |
| Assets per employee ($millions) | 6.1464% | 2,636 |
| Cash dividends to net income (ytd only)* | 44.8830% | 1,330 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0591% | 3,254 |
| Loan loss allowance to noncurrent loans | 1,256.5654% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 3,197 |
| Noncurrent loans to loans | 0.0843% | 3,140 |
| Net loans and leases to total assets | 67.0100% | 1,946 |
| Net loans and leases to deposits | 81.9862% | 1,655 |
| Net loans and leases to core deposits | 87.7526% | 1,758 |
| Total domestic deposits to total assets | 81.7300% | 3,527 |
| Equity capital to assets | 11.8029% | 1,060 |
| Core capital (leverage) ratio | 9.8589% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5452% | 1,782 |
| Memoranda: |
| Average total assets | $16,288,099,000 | 115 |
| Average earning assets | $14,580,559,000 | 114 |
| Average equity | $1,924,318,500 | 101 |
| Average total loans | $11,114,171,500 | 115 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4989% | 3,074 |
| Cost of funding earning assets | 0.3820% | 2,242 |
| Net interest margin | 3.1169% | 3,122 |
| Noninterest income to average assets | 1.9600% | 254 |
| Noninterest expense to average assets | 3.2751% | 650 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1658% | 1,909 |
| Return on assets (ROA) | 1.1567% | 1,884 |
| Pretax return on assets | 1.4418% | 1,653 |
| Return on Equity (ROE) | 10.1400% | 2,767 |
| Retained earnings to average equity (ytd only) | 6.6643% | 2,381 |
| Net charge-offs to loans | 0.0264% | 1,529 |
| Credit loss provision to net charge-offs | 272.1679% | 959 |
| Earnings coverage of net charge-offs (x) | 89.0268% | 1,030 |
| Efficiency ratio | 67.1473% | 2,070 |
| Assets per employee ($millions) | 6.0113% | 2,753 |
| Cash dividends to net income (ytd only)* | 34.2960% | 2,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0169% | 3,273 |
| Loan loss allowance to noncurrent loans | 1,680.0637% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 3,375 |
| Noncurrent loans to loans | 0.0605% | 3,318 |
| Net loans and leases to total assets | 68.0700% | 1,821 |
| Net loans and leases to deposits | 80.5645% | 1,733 |
| Net loans and leases to core deposits | 84.3457% | 1,859 |
| Total domestic deposits to total assets | 84.4900% | 3,107 |
| Equity capital to assets | 11.8263% | 980 |
| Core capital (leverage) ratio | 9.8662% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7974% | 1,693 |
| Memoranda: |
| Average total assets | $16,337,909,200 | 118 |
| Average earning assets | $14,808,138,200 | 115 |
| Average equity | $1,863,235,000 | 107 |
| Average total loans | $10,453,600,000 | 118 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0194% | 3,511 |
| Cost of funding earning assets | 0.2635% | 2,107 |
| Net interest margin | 2.7559% | 3,560 |
| Noninterest income to average assets | 2.1071% | 216 |
| Noninterest expense to average assets | 3.2375% | 596 |
| Loan and lease loss provision to assets | -0.0124% | 4,408 |
| Net operating income to assets | 1.1221% | 1,692 |
| Return on assets (ROA) | 1.1080% | 1,723 |
| Pretax return on assets | 1.3771% | 1,503 |
| Return on Equity (ROE) | 9.8439% | 2,388 |
| Retained earnings to average equity (ytd only) | 6.4987% | 2,174 |
| Net charge-offs to loans | 0.0009% | 2,119 |
| Credit loss provision to net charge-offs | -4,334.7826% | 3,765 |
| Earnings coverage of net charge-offs (x) | 2,492.4348% | 37 |
| Efficiency ratio | 68.6987% | 2,141 |
| Assets per employee ($millions) | 6.3375% | 2,450 |
| Cash dividends to net income (ytd only)* | 33.9828% | 1,956 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9779% | 3,692 |
| Loan loss allowance to noncurrent loans | 1,816.2913% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 3,622 |
| Noncurrent loans to loans | 0.0538% | 3,542 |
| Net loans and leases to total assets | 62.4611% | 2,071 |
| Net loans and leases to deposits | 74.4160% | 1,820 |
| Net loans and leases to core deposits | 77.7969% | 1,866 |
| Total domestic deposits to total assets | 83.9349% | 3,700 |
| Equity capital to assets | 10.9921% | 1,214 |
| Core capital (leverage) ratio | 9.1897% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7564% | 1,238 |
| Memoranda: |
| Average total assets | $16,630,675,667 | 115 |
| Average earning assets | $15,141,827,000 | 115 |
| Average equity | $1,871,851,000 | 109 |
| Average total loans | $10,215,323,333 | 118 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8824% | 3,574 |
| Cost of funding earning assets | 0.2433% | 2,234 |
| Net interest margin | 2.6392% | 3,559 |
| Noninterest income to average assets | 2.1864% | 207 |
| Noninterest expense to average assets | 3.2220% | 585 |
| Loan and lease loss provision to assets | -0.0232% | 4,459 |
| Net operating income to assets | 1.1203% | 1,474 |
| Return on assets (ROA) | 1.1042% | 1,504 |
| Pretax return on assets | 1.3762% | 1,310 |
| Return on Equity (ROE) | 9.6944% | 2,084 |
| Retained earnings to average equity (ytd only) | 6.5942% | 2,033 |
| Net charge-offs to loans | 0.0050% | 1,578 |
| Credit loss provision to net charge-offs | -1,680.0000% | 3,360 |
| Earnings coverage of net charge-offs (x) | 452.1840% | 225 |
| Efficiency ratio | 68.6935% | 2,417 |
| Assets per employee ($millions) | 6.2468% | 2,601 |
| Cash dividends to net income (ytd only)* | 31.9791% | 1,706 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0236% | 3,616 |
| Loan loss allowance to noncurrent loans | 2,134.2857% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,718 |
| Noncurrent loans to loans | 0.0480% | 3,635 |
| Net loans and leases to total assets | 60.2409% | 2,040 |
| Net loans and leases to deposits | 72.1073% | 1,768 |
| Net loans and leases to core deposits | 74.7648% | 1,874 |
| Total domestic deposits to total assets | 83.5434% | 3,855 |
| Equity capital to assets | 11.1752% | 1,254 |
| Core capital (leverage) ratio | 9.1641% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3406% | 1,179 |
| Memoranda: |
| Average total assets | $16,513,993,500 | 117 |
| Average earning assets | $15,046,997,000 | 118 |
| Average equity | $1,880,916,500 | 111 |
| Average total loans | $10,004,247,000 | 118 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1493% | 3,583 |
| Cost of funding earning assets | 0.2916% | 2,482 |
| Net interest margin | 2.8577% | 3,535 |
| Noninterest income to average assets | 2.7477% | 203 |
| Noninterest expense to average assets | 3.6506% | 401 |
| Loan and lease loss provision to assets | -0.1045% | 4,539 |
| Net operating income to assets | 1.4420% | 1,153 |
| Return on assets (ROA) | 1.3863% | 1,382 |
| Pretax return on assets | 1.7390% | 1,046 |
| Return on Equity (ROE) | 11.7014% | 1,918 |
| Retained earnings to average equity (ytd only) | 8.6228% | 1,308 |
| Net charge-offs to loans | -0.0017% | 3,341 |
| Credit loss provision to net charge-offs | 8,296.5116% | 85 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0330% | 2,121 |
| Assets per employee ($millions) | 6.5735% | 2,270 |
| Cash dividends to net income (ytd only)* | 26.3099% | 2,728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0752% | 3,457 |
| Loan loss allowance to noncurrent loans | 1,671.5366% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 3,510 |
| Noncurrent loans to loans | 0.0643% | 3,623 |
| Net loans and leases to total assets | 59.6435% | 2,193 |
| Net loans and leases to deposits | 71.1452% | 2,002 |
| Net loans and leases to core deposits | 74.1697% | 2,064 |
| Total domestic deposits to total assets | 83.8334% | 3,607 |
| Equity capital to assets | 11.6085% | 1,453 |
| Core capital (leverage) ratio | 9.1114% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5638% | 1,665 |
| Memoranda: |
| Average total assets | $15,536,489,600 | 121 |
| Average earning assets | $14,089,398,000 | 118 |
| Average equity | $1,840,662,400 | 121 |
| Average total loans | $10,011,871,200 | 121 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2103% | 3,586 |
| Cost of funding earning assets | 0.3110% | 2,487 |
| Net interest margin | 2.8993% | 3,554 |
| Noninterest income to average assets | 2.9172% | 205 |
| Noninterest expense to average assets | 3.6965% | 378 |
| Loan and lease loss provision to assets | -0.1335% | 4,668 |
| Net operating income to assets | 1.5861% | 1,062 |
| Return on assets (ROA) | 1.5237% | 1,259 |
| Pretax return on assets | 1.9185% | 915 |
| Return on Equity (ROE) | 12.7926% | 1,769 |
| Retained earnings to average equity (ytd only) | 9.7164% | 1,403 |
| Net charge-offs to loans | -0.0015% | 3,175 |
| Credit loss provision to net charge-offs | 11,689.2857% | 67 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4178% | 2,184 |
| Assets per employee ($millions) | 6.2348% | 2,465 |
| Cash dividends to net income (ytd only)* | 24.0469% | 2,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1016% | 3,430 |
| Loan loss allowance to noncurrent loans | 1,246.9692% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 3,510 |
| Noncurrent loans to loans | 0.0883% | 3,641 |
| Net loans and leases to total assets | 60.8564% | 2,152 |
| Net loans and leases to deposits | 73.2423% | 1,935 |
| Net loans and leases to core deposits | 77.1251% | 1,953 |
| Total domestic deposits to total assets | 83.0891% | 3,683 |
| Equity capital to assets | 11.9097% | 1,442 |
| Core capital (leverage) ratio | 9.1828% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8533% | 1,664 |
| Memoranda: |
| Average total assets | $15,330,262,250 | 122 |
| Average earning assets | $13,877,127,500 | 120 |
| Average equity | $1,825,999,250 | 122 |
| Average total loans | $10,048,697,500 | 120 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2675% | 3,517 |
| Cost of funding earning assets | 0.3347% | 2,450 |
| Net interest margin | 2.9327% | 3,496 |
| Noninterest income to average assets | 3.0108% | 182 |
| Noninterest expense to average assets | 3.7382% | 356 |
| Loan and lease loss provision to assets | -0.1828% | 4,741 |
| Net operating income to assets | 1.7089% | 856 |
| Return on assets (ROA) | 1.6453% | 1,011 |
| Pretax return on assets | 2.0482% | 756 |
| Return on Equity (ROE) | 13.8130% | 1,476 |
| Retained earnings to average equity (ytd only) | 10.7589% | 1,182 |
| Net charge-offs to loans | 0.0105% | 1,762 |
| Credit loss provision to net charge-offs | -2,156.6604% | 3,849 |
| Earnings coverage of net charge-offs (x) | 274.0638% | 396 |
| Efficiency ratio | 64.7317% | 2,330 |
| Assets per employee ($millions) | 6.2318% | 2,402 |
| Cash dividends to net income (ytd only)* | 22.1101% | 2,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0837% | 3,485 |
| Loan loss allowance to noncurrent loans | 847.2810% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 3,519 |
| Noncurrent loans to loans | 0.1279% | 3,549 |
| Net loans and leases to total assets | 62.4525% | 2,123 |
| Net loans and leases to deposits | 75.4614% | 1,876 |
| Net loans and leases to core deposits | 81.6979% | 1,749 |
| Total domestic deposits to total assets | 82.7609% | 3,758 |
| Equity capital to assets | 11.7303% | 1,501 |
| Core capital (leverage) ratio | 9.4439% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7631% | 1,705 |
| Memoranda: |
| Average total assets | $15,169,892,000 | 121 |
| Average earning assets | $13,724,384,667 | 120 |
| Average equity | $1,806,970,000 | 121 |
| Average total loans | $10,155,126,333 | 119 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3494% | 3,342 |
| Cost of funding earning assets | 0.3667% | 2,384 |
| Net interest margin | 2.9827% | 3,307 |
| Noninterest income to average assets | 3.2903% | 181 |
| Noninterest expense to average assets | 3.7134% | 364 |
| Loan and lease loss provision to assets | -0.1042% | 4,724 |
| Net operating income to assets | 1.9342% | 628 |
| Return on assets (ROA) | 1.8581% | 765 |
| Pretax return on assets | 2.3046% | 585 |
| Return on Equity (ROE) | 15.4738% | 1,119 |
| Retained earnings to average equity (ytd only) | 12.5448% | 1,019 |
| Net charge-offs to loans | 0.0262% | 1,236 |
| Credit loss provision to net charge-offs | -508.9552% | 3,181 |
| Earnings coverage of net charge-offs (x) | 125.8791% | 537 |
| Efficiency ratio | 60.8228% | 2,936 |
| Assets per employee ($millions) | 6.0560% | 2,547 |
| Cash dividends to net income (ytd only)* | 18.9289% | 2,037 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1251% | 3,310 |
| Loan loss allowance to noncurrent loans | 901.7791% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 3,599 |
| Noncurrent loans to loans | 0.1248% | 3,686 |
| Net loans and leases to total assets | 67.6513% | 1,575 |
| Net loans and leases to deposits | 83.4919% | 1,195 |
| Net loans and leases to core deposits | 89.8065% | 1,244 |
| Total domestic deposits to total assets | 81.0274% | 4,059 |
| Equity capital to assets | 11.9382% | 1,318 |
| Core capital (leverage) ratio | 9.5397% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5924% | 1,709 |
| Memoranda: |
| Average total assets | $14,852,920,500 | 122 |
| Average earning assets | $13,417,333,500 | 123 |
| Average equity | $1,783,532,500 | 122 |
| Average total loans | $10,243,677,000 | 119 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6786% | 3,632 |
| Cost of funding earning assets | 0.6393% | 2,061 |
| Net interest margin | 3.0393% | 3,792 |
| Noninterest income to average assets | 2.9073% | 208 |
| Noninterest expense to average assets | 3.8173% | 450 |
| Loan and lease loss provision to assets | 0.4462% | 631 |
| Net operating income to assets | 1.1595% | 1,689 |
| Return on assets (ROA) | 1.0459% | 2,260 |
| Pretax return on assets | 1.2752% | 2,063 |
| Return on Equity (ROE) | 8.5607% | 2,570 |
| Retained earnings to average equity (ytd only) | 5.4841% | 2,053 |
| Net charge-offs to loans | 0.0024% | 3,305 |
| Credit loss provision to net charge-offs | 25,723.9496% | 39 |
| Earnings coverage of net charge-offs (x) | 1,066.3109% | 110 |
| Efficiency ratio | 66.2040% | 2,498 |
| Assets per employee ($millions) | 5.9749% | 2,354 |
| Cash dividends to net income (ytd only)* | 35.9380% | 2,557 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1815% | 3,046 |
| Loan loss allowance to noncurrent loans | 1,025.7555% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 3,726 |
| Noncurrent loans to loans | 0.1152% | 3,826 |
| Net loans and leases to total assets | 68.7092% | 1,735 |
| Net loans and leases to deposits | 86.4100% | 1,222 |
| Net loans and leases to core deposits | 94.2993% | 1,228 |
| Total domestic deposits to total assets | 79.5153% | 4,136 |
| Equity capital to assets | 12.0798% | 1,526 |
| Core capital (leverage) ratio | 8.9870% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4241% | 1,709 |
| Memoranda: |
| Average total assets | $13,914,746,800 | 122 |
| Average earning assets | $12,516,032,400 | 121 |
| Average equity | $1,700,028,000 | 125 |
| Average total loans | $9,819,540,600 | 117 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7194% | 3,760 |
| Cost of funding earning assets | 0.6982% | 2,030 |
| Net interest margin | 3.0211% | 3,927 |
| Noninterest income to average assets | 2.7838% | 207 |
| Noninterest expense to average assets | 3.6738% | 558 |
| Loan and lease loss provision to assets | 0.5883% | 434 |
| Net operating income to assets | 1.0429% | 2,179 |
| Return on assets (ROA) | 0.9265% | 2,739 |
| Pretax return on assets | 1.1351% | 2,623 |
| Return on Equity (ROE) | 7.5605% | 2,984 |
| Retained earnings to average equity (ytd only) | 4.4539% | 2,825 |
| Net charge-offs to loans | 0.0018% | 3,146 |
| Credit loss provision to net charge-offs | 46,523.2558% | 21 |
| Earnings coverage of net charge-offs (x) | 1,457.4496% | 82 |
| Efficiency ratio | 65.2769% | 2,546 |
| Assets per employee ($millions) | 6.0439% | 2,227 |
| Cash dividends to net income (ytd only)* | 41.0904% | 1,890 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1404% | 2,972 |
| Loan loss allowance to noncurrent loans | 729.8351% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 3,463 |
| Noncurrent loans to loans | 0.1563% | 3,764 |
| Net loans and leases to total assets | 69.7549% | 1,994 |
| Net loans and leases to deposits | 87.7444% | 1,516 |
| Net loans and leases to core deposits | 97.8288% | 1,316 |
| Total domestic deposits to total assets | 79.4979% | 3,960 |
| Equity capital to assets | 11.7046% | 1,874 |
| Core capital (leverage) ratio | 8.8905% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3261% | 1,722 |
| Memoranda: |
| Average total assets | $13,736,822,500 | 123 |
| Average earning assets | $12,344,315,250 | 121 |
| Average equity | $1,683,322,750 | 124 |
| Average total loans | $9,731,959,250 | 120 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8094% | 3,841 |
| Cost of funding earning assets | 0.7639% | 2,028 |
| Net interest margin | 3.0455% | 4,029 |
| Noninterest income to average assets | 2.4530% | 230 |
| Noninterest expense to average assets | 3.6455% | 614 |
| Loan and lease loss provision to assets | 0.4865% | 752 |
| Net operating income to assets | 0.8704% | 2,803 |
| Return on assets (ROA) | 0.9114% | 2,767 |
| Pretax return on assets | 1.1154% | 2,665 |
| Return on Equity (ROE) | 7.3165% | 3,002 |
| Retained earnings to average equity (ytd only) | 4.1801% | 2,831 |
| Net charge-offs to loans | 0.0096% | 2,602 |
| Credit loss provision to net charge-offs | 6,947.9212% | 170 |
| Earnings coverage of net charge-offs (x) | 225.6039% | 402 |
| Efficiency ratio | 68.6071% | 2,154 |
| Assets per employee ($millions) | 6.3958% | 1,865 |
| Cash dividends to net income (ytd only)* | 42.8677% | 1,831 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8689% | 4,124 |
| Loan loss allowance to noncurrent loans | 519.9552% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 3,584 |
| Noncurrent loans to loans | 0.1671% | 3,784 |
| Net loans and leases to total assets | 66.2492% | 2,594 |
| Net loans and leases to deposits | 91.1680% | 1,243 |
| Net loans and leases to core deposits | 103.6668% | 1,025 |
| Total domestic deposits to total assets | 72.6671% | 4,676 |
| Equity capital to assets | 10.9600% | 2,380 |
| Core capital (leverage) ratio | 9.0452% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9054% | 1,858 |
| Memoranda: |
| Average total assets | $13,383,957,667 | 123 |
| Average earning assets | $12,011,310,000 | 123 |
| Average equity | $1,667,183,000 | 122 |
| Average total loans | $9,496,082,333 | 121 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1804% | 3,287 |
| Cost of funding earning assets | 0.9008% | 1,862 |
| Net interest margin | 3.2796% | 3,645 |
| Noninterest income to average assets | 2.1467% | 243 |
| Noninterest expense to average assets | 3.8938% | 560 |
| Loan and lease loss provision to assets | 0.2321% | 1,335 |
| Net operating income to assets | 0.7652% | 3,036 |
| Return on assets (ROA) | 0.8590% | 2,769 |
| Pretax return on assets | 1.0604% | 2,636 |
| Return on Equity (ROE) | 6.4079% | 3,169 |
| Retained earnings to average equity (ytd only) | 3.2336% | 2,987 |
| Net charge-offs to loans | 0.0247% | 1,871 |
| Credit loss provision to net charge-offs | 1,031.8996% | 559 |
| Earnings coverage of net charge-offs (x) | 64.3728% | 771 |
| Efficiency ratio | 75.0058% | 1,685 |
| Assets per employee ($millions) | 5.2143% | 2,409 |
| Cash dividends to net income (ytd only)* | 49.5376% | 1,644 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6969% | 4,608 |
| Loan loss allowance to noncurrent loans | 381.0572% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 3,516 |
| Noncurrent loans to loans | 0.1829% | 3,820 |
| Net loans and leases to total assets | 72.6640% | 1,828 |
| Net loans and leases to deposits | 98.0867% | 704 |
| Net loans and leases to core deposits | 111.7958% | 765 |
| Total domestic deposits to total assets | 74.0813% | 4,654 |
| Equity capital to assets | 13.0959% | 1,382 |
| Core capital (leverage) ratio | 10.1138% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3971% | 2,113 |
| Memoranda: |
| Average total assets | $12,285,809,000 | 128 |
| Average earning assets | $10,925,662,500 | 129 |
| Average equity | $1,646,977,000 | 126 |
| Average total loans | $9,037,994,000 | 124 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4976% | 2,958 |
| Cost of funding earning assets | 1.0517% | 1,504 |
| Net interest margin | 3.4460% | 3,603 |
| Noninterest income to average assets | 2.5292% | 199 |
| Noninterest expense to average assets | 3.9975% | 534 |
| Loan and lease loss provision to assets | 0.0799% | 2,397 |
| Net operating income to assets | 1.2309% | 1,943 |
| Return on assets (ROA) | 1.1833% | 2,222 |
| Pretax return on assets | 1.4612% | 1,927 |
| Return on Equity (ROE) | 8.7402% | 2,862 |
| Retained earnings to average equity (ytd only) | 5.5387% | 2,139 |
| Net charge-offs to loans | 0.0380% | 2,627 |
| Credit loss provision to net charge-offs | 290.0340% | 966 |
| Earnings coverage of net charge-offs (x) | 57.7174% | 1,009 |
| Efficiency ratio | 69.6558% | 2,231 |
| Assets per employee ($millions) | 4.9269% | 2,675 |
| Cash dividends to net income (ytd only)* | 36.6294% | 2,769 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6589% | 4,631 |
| Loan loss allowance to noncurrent loans | 317.7844% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,311 |
| Noncurrent loans to loans | 0.2073% | 3,718 |
| Net loans and leases to total assets | 73.4898% | 1,842 |
| Net loans and leases to deposits | 94.0976% | 1,141 |
| Net loans and leases to core deposits | 107.7713% | 986 |
| Total domestic deposits to total assets | 78.0996% | 4,343 |
| Equity capital to assets | 13.7327% | 1,196 |
| Core capital (leverage) ratio | 9.9466% | 3,573 |
| Tier 1 risk-based capital ratio | 11.4876% | 4,634 |
| Total risk-based capital ratio | 14.5805% | 3,503 |
| Memoranda: |
| Average total assets | $11,728,582,200 | 126 |
| Average earning assets | $10,409,153,400 | 126 |
| Average equity | $1,587,853,600 | 125 |
| Average total loans | $8,511,873,200 | 127 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5255% | 2,976 |
| Cost of funding earning assets | 1.0677% | 1,480 |
| Net interest margin | 3.4578% | 3,709 |
| Noninterest income to average assets | 2.5467% | 195 |
| Noninterest expense to average assets | 4.0258% | 514 |
| Loan and lease loss provision to assets | 0.0659% | 2,567 |
| Net operating income to assets | 1.2382% | 2,064 |
| Return on assets (ROA) | 1.1845% | 2,332 |
| Pretax return on assets | 1.4678% | 2,050 |
| Return on Equity (ROE) | 8.7813% | 2,971 |
| Retained earnings to average equity (ytd only) | 5.5840% | 2,582 |
| Net charge-offs to loans | 0.0385% | 2,319 |
| Credit loss provision to net charge-offs | 236.8637% | 1,140 |
| Earnings coverage of net charge-offs (x) | 57.1223% | 1,090 |
| Efficiency ratio | 69.7914% | 2,148 |
| Assets per employee ($millions) | 4.9737% | 2,591 |
| Cash dividends to net income (ytd only)* | 36.4103% | 2,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6416% | 4,747 |
| Loan loss allowance to noncurrent loans | 357.0702% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 3,482 |
| Noncurrent loans to loans | 0.1797% | 3,891 |
| Net loans and leases to total assets | 71.4077% | 2,264 |
| Net loans and leases to deposits | 90.3186% | 1,662 |
| Net loans and leases to core deposits | 103.9299% | 1,330 |
| Total domestic deposits to total assets | 79.0620% | 4,178 |
| Equity capital to assets | 13.5208% | 1,354 |
| Core capital (leverage) ratio | 9.8222% | 3,825 |
| Tier 1 risk-based capital ratio | 11.5509% | 4,645 |
| Total risk-based capital ratio | 14.7045% | 3,503 |
| Memoranda: |
| Average total assets | $11,673,784,000 | 126 |
| Average earning assets | $10,358,837,250 | 127 |
| Average equity | $1,574,628,500 | 124 |
| Average total loans | $8,430,183,250 | 128 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5211% | 2,946 |
| Cost of funding earning assets | 1.0611% | 1,448 |
| Net interest margin | 3.4600% | 3,716 |
| Noninterest income to average assets | 2.4290% | 205 |
| Noninterest expense to average assets | 3.9339% | 583 |
| Loan and lease loss provision to assets | 0.0738% | 2,341 |
| Net operating income to assets | 1.1930% | 2,172 |
| Return on assets (ROA) | 1.1429% | 2,435 |
| Pretax return on assets | 1.4392% | 2,071 |
| Return on Equity (ROE) | 8.4800% | 3,076 |
| Retained earnings to average equity (ytd only) | 5.3105% | 2,617 |
| Net charge-offs to loans | 0.0438% | 2,023 |
| Credit loss provision to net charge-offs | 233.0235% | 1,082 |
| Earnings coverage of net charge-offs (x) | 49.4740% | 1,101 |
| Efficiency ratio | 69.5455% | 2,301 |
| Assets per employee ($millions) | 5.5060% | 1,962 |
| Cash dividends to net income (ytd only)* | 37.3764% | 2,314 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6423% | 4,807 |
| Loan loss allowance to noncurrent loans | 283.3307% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 3,368 |
| Noncurrent loans to loans | 0.2267% | 3,728 |
| Net loans and leases to total assets | 70.6301% | 2,443 |
| Net loans and leases to deposits | 90.4426% | 1,686 |
| Net loans and leases to core deposits | 104.6013% | 1,331 |
| Total domestic deposits to total assets | 78.0939% | 4,381 |
| Equity capital to assets | 13.3453% | 1,409 |
| Core capital (leverage) ratio | 9.8582% | 3,747 |
| Tier 1 risk-based capital ratio | 11.6190% | 4,627 |
| Total risk-based capital ratio | 14.8506% | 3,422 |
| Memoranda: |
| Average total assets | $11,557,940,000 | 129 |
| Average earning assets | $10,257,455,330 | 129 |
| Average equity | $1,557,711,330 | 126 |
| Average total loans | $8,360,387,000 | 130 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5181% | 2,807 |
| Cost of funding earning assets | 1.0454% | 1,395 |
| Net interest margin | 3.4727% | 3,671 |
| Noninterest income to average assets | 2.1795% | 218 |
| Noninterest expense to average assets | 3.7650% | 685 |
| Loan and lease loss provision to assets | 0.0506% | 2,641 |
| Net operating income to assets | 1.1509% | 2,262 |
| Return on assets (ROA) | 1.1054% | 2,494 |
| Pretax return on assets | 1.3944% | 2,102 |
| Return on Equity (ROE) | 8.1598% | 3,188 |
| Retained earnings to average equity (ytd only) | 5.1418% | 2,847 |
| Net charge-offs to loans | 0.0110% | 2,290 |
| Credit loss provision to net charge-offs | 627.9476% | 522 |
| Earnings coverage of net charge-offs (x) | 185.6201% | 416 |
| Efficiency ratio | 69.4292% | 2,436 |
| Assets per employee ($millions) | 5.2583% | 2,216 |
| Cash dividends to net income (ytd only)* | 36.9862% | 2,012 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6382% | 4,869 |
| Loan loss allowance to noncurrent loans | 718.0789% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 3,709 |
| Noncurrent loans to loans | 0.0889% | 4,351 |
| Net loans and leases to total assets | 71.7402% | 2,210 |
| Net loans and leases to deposits | 94.5151% | 1,110 |
| Net loans and leases to core deposits | 107.1731% | 1,091 |
| Total domestic deposits to total assets | 75.9034% | 4,771 |
| Equity capital to assets | 13.4320% | 1,235 |
| Core capital (leverage) ratio | 9.9185% | 3,687 |
| Tier 1 risk-based capital ratio | 11.5214% | 4,733 |
| Total risk-based capital ratio | 14.7899% | 3,499 |
| Memoranda: |
| Average total assets | $11,365,658,000 | 133 |
| Average earning assets | $10,084,969,500 | 133 |
| Average equity | $1,539,686,000 | 127 |
| Average total loans | $8,295,817,000 | 131 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5520% | 2,287 |
| Cost of funding earning assets | 0.8708% | 1,218 |
| Net interest margin | 3.6813% | 3,108 |
| Noninterest income to average assets | 2.5986% | 188 |
| Noninterest expense to average assets | 4.1376% | 441 |
| Loan and lease loss provision to assets | 0.0817% | 2,495 |
| Net operating income to assets | 1.3182% | 1,728 |
| Return on assets (ROA) | 1.2801% | 1,874 |
| Pretax return on assets | 1.6076% | 1,446 |
| Return on Equity (ROE) | 9.4970% | 2,748 |
| Retained earnings to average equity (ytd only) | 6.3123% | 2,030 |
| Net charge-offs to loans | 0.0204% | 3,018 |
| Credit loss provision to net charge-offs | 541.2548% | 646 |
| Earnings coverage of net charge-offs (x) | 114.4094% | 669 |
| Efficiency ratio | 68.6376% | 2,443 |
| Assets per employee ($millions) | 5.1348% | 2,344 |
| Cash dividends to net income (ytd only)* | 33.5331% | 2,876 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6323% | 4,923 |
| Loan loss allowance to noncurrent loans | 845.8191% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 3,690 |
| Noncurrent loans to loans | 0.0748% | 4,420 |
| Net loans and leases to total assets | 73.3415% | 2,037 |
| Net loans and leases to deposits | 97.3348% | 950 |
| Net loans and leases to core deposits | 109.8586% | 1,013 |
| Total domestic deposits to total assets | 75.3497% | 4,834 |
| Equity capital to assets | 13.6659% | 1,083 |
| Core capital (leverage) ratio | 9.8735% | 3,722 |
| Tier 1 risk-based capital ratio | 11.5398% | 4,705 |
| Total risk-based capital ratio | 14.8270% | 3,414 |
| Memoranda: |
| Average total assets | $10,451,765,000 | 130 |
| Average earning assets | $9,273,650,800 | 133 |
| Average equity | $1,408,795,200 | 130 |
| Average total loans | $7,729,965,200 | 130 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5037% | 2,292 |
| Cost of funding earning assets | 0.8144% | 1,267 |
| Net interest margin | 3.6893% | 3,061 |
| Noninterest income to average assets | 2.7530% | 179 |
| Noninterest expense to average assets | 4.3186% | 350 |
| Loan and lease loss provision to assets | 0.0811% | 2,334 |
| Net operating income to assets | 1.3150% | 1,802 |
| Return on assets (ROA) | 1.2692% | 1,974 |
| Pretax return on assets | 1.5791% | 1,640 |
| Return on Equity (ROE) | 9.4520% | 2,874 |
| Retained earnings to average equity (ytd only) | 6.2366% | 2,532 |
| Net charge-offs to loans | 0.0201% | 2,738 |
| Credit loss provision to net charge-offs | 546.3287% | 647 |
| Earnings coverage of net charge-offs (x) | 114.9122% | 678 |
| Efficiency ratio | 69.8327% | 2,220 |
| Assets per employee ($millions) | 3.7700% | 4,216 |
| Cash dividends to net income (ytd only)* | 34.0184% | 2,357 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6115% | 5,022 |
| Loan loss allowance to noncurrent loans | 616.5439% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 3,671 |
| Noncurrent loans to loans | 0.0992% | 4,446 |
| Net loans and leases to total assets | 73.4168% | 2,092 |
| Net loans and leases to deposits | 97.9724% | 953 |
| Net loans and leases to core deposits | 111.1669% | 960 |
| Total domestic deposits to total assets | 74.9362% | 4,893 |
| Equity capital to assets | 13.3614% | 1,185 |
| Core capital (leverage) ratio | 9.9784% | 3,659 |
| Tier 1 risk-based capital ratio | 11.5689% | 4,754 |
| Total risk-based capital ratio | 14.9009% | 3,458 |
| Memoranda: |
| Average total assets | $10,273,945,500 | 131 |
| Average earning assets | $9,110,771,750 | 132 |
| Average equity | $1,379,612,750 | 129 |
| Average total loans | $7,602,648,500 | 130 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4545% | 2,242 |
| Cost of funding earning assets | 0.7667% | 1,299 |
| Net interest margin | 3.6878% | 2,980 |
| Noninterest income to average assets | 2.8095% | 177 |
| Noninterest expense to average assets | 4.4411% | 310 |
| Loan and lease loss provision to assets | 0.1003% | 1,943 |
| Net operating income to assets | 1.2426% | 2,017 |
| Return on assets (ROA) | 1.1912% | 2,235 |
| Pretax return on assets | 1.4859% | 1,863 |
| Return on Equity (ROE) | 8.8546% | 3,090 |
| Retained earnings to average equity (ytd only) | 5.6266% | 2,757 |
| Net charge-offs to loans | 0.0163% | 2,595 |
| Credit loss provision to net charge-offs | 829.3046% | 486 |
| Earnings coverage of net charge-offs (x) | 135.4421% | 563 |
| Efficiency ratio | 71.2195% | 2,126 |
| Assets per employee ($millions) | 4.9664% | 2,466 |
| Cash dividends to net income (ytd only)* | 36.4561% | 2,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6062% | 5,098 |
| Loan loss allowance to noncurrent loans | 1,068.9469% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 3,766 |
| Noncurrent loans to loans | 0.0567% | 4,663 |
| Net loans and leases to total assets | 74.9804% | 1,794 |
| Net loans and leases to deposits | 100.6724% | 760 |
| Net loans and leases to core deposits | 113.5897% | 811 |
| Total domestic deposits to total assets | 74.4795% | 5,003 |
| Equity capital to assets | 13.5045% | 1,102 |
| Core capital (leverage) ratio | 9.9957% | 3,585 |
| Tier 1 risk-based capital ratio | 11.3569% | 4,865 |
| Total risk-based capital ratio | 14.7128% | 3,554 |
| Memoranda: |
| Average total assets | $9,991,466,000 | 131 |
| Average earning assets | $8,857,113,670 | 133 |
| Average equity | $1,344,160,330 | 129 |
| Average total loans | $7,398,465,330 | 132 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3286% | 2,424 |
| Cost of funding earning assets | 0.7308% | 1,286 |
| Net interest margin | 3.5978% | 3,191 |
| Noninterest income to average assets | 2.7642% | 172 |
| Noninterest expense to average assets | 4.5382% | 285 |
| Loan and lease loss provision to assets | 0.0816% | 2,159 |
| Net operating income to assets | 1.0841% | 2,503 |
| Return on assets (ROA) | 1.0325% | 2,742 |
| Pretax return on assets | 1.2865% | 2,419 |
| Return on Equity (ROE) | 7.6914% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.5415% | 3,388 |
| Net charge-offs to loans | 0.0199% | 2,101 |
| Credit loss provision to net charge-offs | 561.2069% | 543 |
| Earnings coverage of net charge-offs (x) | 97.6178% | 625 |
| Efficiency ratio | 74.3510% | 1,847 |
| Assets per employee ($millions) | 4.2980% | 3,493 |
| Cash dividends to net income (ytd only)* | 40.9536% | 1,796 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6020% | 5,179 |
| Loan loss allowance to noncurrent loans | 853.7632% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 3,762 |
| Noncurrent loans to loans | 0.0705% | 4,665 |
| Net loans and leases to total assets | 72.6634% | 2,065 |
| Net loans and leases to deposits | 97.9447% | 864 |
| Net loans and leases to core deposits | 111.6538% | 906 |
| Total domestic deposits to total assets | 74.1882% | 5,132 |
| Equity capital to assets | 13.5444% | 1,031 |
| Core capital (leverage) ratio | 9.9713% | 3,567 |
| Tier 1 risk-based capital ratio | 11.6849% | 4,750 |
| Total risk-based capital ratio | 15.2731% | 3,283 |
| Memoranda: |
| Average total assets | $9,571,359,000 | 135 |
| Average earning assets | $8,496,077,000 | 139 |
| Average equity | $1,284,860,000 | 134 |
| Average total loans | $7,012,114,500 | 138 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1329% | 2,941 |
| Cost of funding earning assets | 0.5952% | 1,625 |
| Net interest margin | 3.5377% | 3,391 |
| Noninterest income to average assets | 3.2521% | 164 |
| Noninterest expense to average assets | 4.5512% | 305 |
| Loan and lease loss provision to assets | 0.0650% | 2,909 |
| Net operating income to assets | 1.1123% | 1,819 |
| Return on assets (ROA) | 1.0508% | 2,077 |
| Pretax return on assets | 1.7078% | 981 |
| Return on Equity (ROE) | 7.9170% | 2,830 |
| Retained earnings to average equity (ytd only) | 4.8069% | 2,252 |
| Net charge-offs to loans | 0.0369% | 3,052 |
| Credit loss provision to net charge-offs | 236.3240% | 1,173 |
| Earnings coverage of net charge-offs (x) | 66.6507% | 884 |
| Efficiency ratio | 69.8367% | 2,589 |
| Assets per employee ($millions) | 3.9992% | 3,956 |
| Cash dividends to net income (ytd only)* | 39.2834% | 2,890 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7209% | 5,028 |
| Loan loss allowance to noncurrent loans | 802.6143% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 3,507 |
| Noncurrent loans to loans | 0.0898% | 4,591 |
| Net loans and leases to total assets | 72.9287% | 2,101 |
| Net loans and leases to deposits | 95.9890% | 1,093 |
| Net loans and leases to core deposits | 109.3764% | 1,042 |
| Total domestic deposits to total assets | 75.9762% | 4,979 |
| Equity capital to assets | 13.2739% | 1,138 |
| Core capital (leverage) ratio | 10.1686% | 3,227 |
| Tier 1 risk-based capital ratio | 12.2326% | 4,375 |
| Total risk-based capital ratio | 16.4787% | 2,662 |
| Memoranda: |
| Average total assets | $8,342,584,200 | 148 |
| Average earning assets | $7,389,352,000 | 150 |
| Average equity | $1,107,274,400 | 141 |
| Average total loans | $6,215,110,400 | 140 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1189% | 2,920 |
| Cost of funding earning assets | 0.5662% | 1,766 |
| Net interest margin | 3.5527% | 3,310 |
| Noninterest income to average assets | 3.3315% | 166 |
| Noninterest expense to average assets | 4.5868% | 296 |
| Loan and lease loss provision to assets | 0.0732% | 2,606 |
| Net operating income to assets | 1.2775% | 1,411 |
| Return on assets (ROA) | 1.2104% | 1,683 |
| Pretax return on assets | 1.7485% | 1,008 |
| Return on Equity (ROE) | 9.1200% | 2,538 |
| Retained earnings to average equity (ytd only) | 6.0125% | 2,228 |
| Net charge-offs to loans | 0.0464% | 2,515 |
| Credit loss provision to net charge-offs | 210.9722% | 1,296 |
| Earnings coverage of net charge-offs (x) | 54.4203% | 1,057 |
| Efficiency ratio | 69.3873% | 2,635 |
| Assets per employee ($millions) | 3.9736% | 4,028 |
| Cash dividends to net income (ytd only)* | 34.0741% | 2,561 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7127% | 5,111 |
| Loan loss allowance to noncurrent loans | 486.0208% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 3,442 |
| Noncurrent loans to loans | 0.1466% | 4,467 |
| Net loans and leases to total assets | 71.7915% | 2,284 |
| Net loans and leases to deposits | 94.0301% | 1,303 |
| Net loans and leases to core deposits | 107.0087% | 1,200 |
| Total domestic deposits to total assets | 76.3495% | 4,977 |
| Equity capital to assets | 13.1121% | 1,333 |
| Core capital (leverage) ratio | 10.1349% | 3,401 |
| Tier 1 risk-based capital ratio | 12.4036% | 4,375 |
| Total risk-based capital ratio | 16.7143% | 2,670 |
| Memoranda: |
| Average total assets | $8,297,662,000 | 152 |
| Average earning assets | $7,343,384,500 | 153 |
| Average equity | $1,101,283,000 | 140 |
| Average total loans | $6,203,808,750 | 141 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1143% | 2,778 |
| Cost of funding earning assets | 0.5314% | 1,901 |
| Net interest margin | 3.5829% | 3,099 |
| Noninterest income to average assets | 3.3153% | 172 |
| Noninterest expense to average assets | 4.6160% | 283 |
| Loan and lease loss provision to assets | 0.0943% | 2,102 |
| Net operating income to assets | 1.2429% | 1,466 |
| Return on assets (ROA) | 1.1763% | 1,719 |
| Pretax return on assets | 1.7043% | 1,048 |
| Return on Equity (ROE) | 8.8254% | 2,590 |
| Retained earnings to average equity (ytd only) | 5.7296% | 2,274 |
| Net charge-offs to loans | 0.0559% | 2,130 |
| Credit loss provision to net charge-offs | 222.9215% | 1,167 |
| Earnings coverage of net charge-offs (x) | 44.1080% | 1,177 |
| Efficiency ratio | 69.7648% | 2,710 |
| Assets per employee ($millions) | 3.9087% | 4,122 |
| Cash dividends to net income (ytd only)* | 35.0789% | 2,574 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6963% | 5,220 |
| Loan loss allowance to noncurrent loans | 435.2599% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 3,398 |
| Noncurrent loans to loans | 0.1600% | 4,480 |
| Net loans and leases to total assets | 74.6817% | 1,753 |
| Net loans and leases to deposits | 94.6504% | 1,212 |
| Net loans and leases to core deposits | 107.3480% | 1,139 |
| Total domestic deposits to total assets | 78.9027% | 4,638 |
| Equity capital to assets | 13.1799% | 1,289 |
| Core capital (leverage) ratio | 10.4257% | 2,998 |
| Tier 1 risk-based capital ratio | 12.0309% | 4,615 |
| Total risk-based capital ratio | 12.6763% | 4,904 |
| Memoranda: |
| Average total assets | $8,191,936,330 | 153 |
| Average earning assets | $7,238,344,330 | 154 |
| Average equity | $1,091,848,000 | 139 |
| Average total loans | $6,195,372,000 | 139 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9362% | 3,257 |
| Cost of funding earning assets | 0.5502% | 1,711 |
| Net interest margin | 3.3860% | 3,693 |
| Noninterest income to average assets | 2.9670% | 195 |
| Noninterest expense to average assets | 4.2269% | 412 |
| Loan and lease loss provision to assets | 0.1259% | 1,528 |
| Net operating income to assets | 1.1390% | 1,715 |
| Return on assets (ROA) | 1.0883% | 1,962 |
| Pretax return on assets | 1.5533% | 1,369 |
| Return on Equity (ROE) | 8.1180% | 2,860 |
| Retained earnings to average equity (ytd only) | 5.1122% | 2,823 |
| Net charge-offs to loans | 0.0880% | 1,465 |
| Credit loss provision to net charge-offs | 188.6414% | 1,050 |
| Earnings coverage of net charge-offs (x) | 25.9228% | 1,325 |
| Efficiency ratio | 69.4100% | 2,984 |
| Assets per employee ($millions) | 3.9151% | 4,157 |
| Cash dividends to net income (ytd only)* | 37.0266% | 2,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7050% | 5,296 |
| Loan loss allowance to noncurrent loans | 347.3942% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 3,406 |
| Noncurrent loans to loans | 0.2029% | 4,396 |
| Net loans and leases to total assets | 74.4233% | 1,674 |
| Net loans and leases to deposits | 97.3711% | 822 |
| Net loans and leases to core deposits | 107.3612% | 1,010 |
| Total domestic deposits to total assets | 76.4326% | 5,185 |
| Equity capital to assets | 13.3307% | 1,137 |
| Core capital (leverage) ratio | 10.4864% | 2,918 |
| Tier 1 risk-based capital ratio | 11.9826% | 4,728 |
| Total risk-based capital ratio | 12.6225% | 5,009 |
| Memoranda: |
| Average total assets | $8,074,372,500 | 153 |
| Average earning assets | $7,129,454,500 | 156 |
| Average equity | $1,082,431,500 | 138 |
| Average total loans | $6,124,254,500 | 140 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9578% | 3,352 |
| Cost of funding earning assets | 0.5548% | 1,646 |
| Net interest margin | 3.4030% | 3,817 |
| Noninterest income to average assets | 3.1933% | 183 |
| Noninterest expense to average assets | 4.7444% | 307 |
| Loan and lease loss provision to assets | 0.0736% | 2,886 |
| Net operating income to assets | 0.9917% | 2,387 |
| Return on assets (ROA) | 0.9236% | 2,826 |
| Pretax return on assets | 1.3177% | 2,220 |
| Return on Equity (ROE) | 6.9610% | 3,487 |
| Retained earnings to average equity (ytd only) | 3.7996% | 3,211 |
| Net charge-offs to loans | 0.0312% | 3,397 |
| Credit loss provision to net charge-offs | 312.3615% | 955 |
| Earnings coverage of net charge-offs (x) | 61.9615% | 867 |
| Efficiency ratio | 75.1449% | 2,116 |
| Assets per employee ($millions) | 3.7613% | 4,377 |
| Cash dividends to net income (ytd only)* | 45.4156% | 2,570 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6861% | 5,385 |
| Loan loss allowance to noncurrent loans | 284.7332% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 3,290 |
| Noncurrent loans to loans | 0.2410% | 4,288 |
| Net loans and leases to total assets | 76.2403% | 1,474 |
| Net loans and leases to deposits | 100.3600% | 649 |
| Net loans and leases to core deposits | 111.4611% | 808 |
| Total domestic deposits to total assets | 75.9669% | 5,241 |
| Equity capital to assets | 13.4827% | 1,055 |
| Core capital (leverage) ratio | 10.4387% | 2,943 |
| Tier 1 risk-based capital ratio | 11.8201% | 4,845 |
| Total risk-based capital ratio | 12.4391% | 5,121 |
| Memoranda: |
| Average total assets | $7,281,301,800 | 161 |
| Average earning assets | $6,441,441,800 | 158 |
| Average equity | $966,090,400 | 147 |
| Average total loans | $5,503,803,600 | 148 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8771% | 3,663 |
| Cost of funding earning assets | 0.5523% | 1,669 |
| Net interest margin | 3.3248% | 4,114 |
| Noninterest income to average assets | 3.2056% | 191 |
| Noninterest expense to average assets | 4.6973% | 325 |
| Loan and lease loss provision to assets | 0.0661% | 2,902 |
| Net operating income to assets | 0.9824% | 2,507 |
| Return on assets (ROA) | 0.9051% | 3,016 |
| Pretax return on assets | 1.3091% | 2,393 |
| Return on Equity (ROE) | 6.8528% | 3,637 |
| Retained earnings to average equity (ytd only) | 3.6691% | 3,696 |
| Net charge-offs to loans | 0.0306% | 3,039 |
| Credit loss provision to net charge-offs | 286.8999% | 1,078 |
| Earnings coverage of net charge-offs (x) | 63.0072% | 919 |
| Efficiency ratio | 75.1273% | 2,087 |
| Assets per employee ($millions) | 3.8103% | 4,285 |
| Cash dividends to net income (ytd only)* | 46.4583% | 2,054 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6674% | 5,494 |
| Loan loss allowance to noncurrent loans | 322.9663% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 3,606 |
| Noncurrent loans to loans | 0.2067% | 4,530 |
| Net loans and leases to total assets | 77.2731% | 1,312 |
| Net loans and leases to deposits | 98.0229% | 853 |
| Net loans and leases to core deposits | 110.9590% | 865 |
| Total domestic deposits to total assets | 78.8317% | 4,759 |
| Equity capital to assets | 13.6293% | 1,185 |
| Core capital (leverage) ratio | 10.1781% | 3,353 |
| Tier 1 risk-based capital ratio | 11.8116% | 4,910 |
| Total risk-based capital ratio | 12.4239% | 5,181 |
| Memoranda: |
| Average total assets | $7,108,147,750 | 164 |
| Average earning assets | $6,294,373,250 | 160 |
| Average equity | $938,837,500 | 150 |
| Average total loans | $5,349,419,250 | 151 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6511% | 4,443 |
| Cost of funding earning assets | 0.5539% | 1,671 |
| Net interest margin | 3.0972% | 4,840 |
| Noninterest income to average assets | 2.7923% | 220 |
| Noninterest expense to average assets | 4.4033% | 416 |
| Loan and lease loss provision to assets | 0.0536% | 3,076 |
| Net operating income to assets | 0.7729% | 3,431 |
| Return on assets (ROA) | 0.7012% | 3,940 |
| Pretax return on assets | 1.0088% | 3,546 |
| Return on Equity (ROE) | 5.3742% | 4,346 |
| Retained earnings to average equity (ytd only) | 2.1807% | 4,481 |
| Net charge-offs to loans | 0.0227% | 3,038 |
| Credit loss provision to net charge-offs | 317.2414% | 925 |
| Earnings coverage of net charge-offs (x) | 67.1414% | 805 |
| Efficiency ratio | 78.3658% | 1,733 |
| Assets per employee ($millions) | 3.8067% | 4,255 |
| Cash dividends to net income (ytd only)* | 59.4235% | 1,552 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6565% | 5,597 |
| Loan loss allowance to noncurrent loans | 264.1728% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 3,502 |
| Noncurrent loans to loans | 0.2485% | 4,461 |
| Net loans and leases to total assets | 75.5011% | 1,568 |
| Net loans and leases to deposits | 96.3300% | 1,048 |
| Net loans and leases to core deposits | 109.7899% | 942 |
| Total domestic deposits to total assets | 78.3775% | 4,921 |
| Equity capital to assets | 13.2276% | 1,371 |
| Core capital (leverage) ratio | 12.3577% | 1,430 |
| Tier 1 risk-based capital ratio | 11.8904% | 4,904 |
| Total risk-based capital ratio | 12.5000% | 5,198 |
| Memoranda: |
| Average total assets | $6,867,483,000 | 164 |
| Average earning assets | $6,086,726,670 | 166 |
| Average equity | $896,052,330 | 154 |
| Average total loans | $5,102,142,330 | 156 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9059% | 3,573 |
| Cost of funding earning assets | 0.5985% | 1,345 |
| Net interest margin | 3.3073% | 4,198 |
| Noninterest income to average assets | 2.6751% | 233 |
| Noninterest expense to average assets | 3.9270% | 665 |
| Loan and lease loss provision to assets | -0.0164% | 5,903 |
| Net operating income to assets | 1.1790% | 1,620 |
| Return on assets (ROA) | 1.1258% | 1,912 |
| Pretax return on assets | 1.6432% | 1,200 |
| Return on Equity (ROE) | 8.7039% | 2,557 |
| Retained earnings to average equity (ytd only) | 5.6754% | 2,541 |
| Net charge-offs to loans | 0.0293% | 2,360 |
| Credit loss provision to net charge-offs | -76.1765% | 4,191 |
| Earnings coverage of net charge-offs (x) | 78.2059% | 648 |
| Efficiency ratio | 68.8069% | 3,329 |
| Assets per employee ($millions) | 4.3898% | 3,263 |
| Cash dividends to net income (ytd only)* | 34.7943% | 2,242 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8121% | 5,332 |
| Loan loss allowance to noncurrent loans | 415.3558% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 3,237 |
| Noncurrent loans to loans | 0.1955% | 4,717 |
| Net loans and leases to total assets | 72.4567% | 1,955 |
| Net loans and leases to deposits | 92.5760% | 1,277 |
| Net loans and leases to core deposits | 102.9372% | 1,270 |
| Total domestic deposits to total assets | 78.2672% | 5,098 |
| Equity capital to assets | 12.9906% | 1,414 |
| Core capital (leverage) ratio | 10.7032% | 2,725 |
| Tier 1 risk-based capital ratio | 12.7305% | 4,443 |
| Total risk-based capital ratio | 13.4620% | 4,679 |
| Memoranda: |
| Average total assets | $6,330,877,000 | 175 |
| Average earning assets | $5,612,262,500 | 176 |
| Average equity | $818,898,500 | 164 |
| Average total loans | $4,635,750,000 | 169 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1447% | 2,756 |
| Cost of funding earning assets | 0.6304% | 1,171 |
| Net interest margin | 3.5143% | 3,468 |
| Noninterest income to average assets | 2.7837% | 232 |
| Noninterest expense to average assets | 4.2519% | 514 |
| Loan and lease loss provision to assets | 0.0516% | 3,289 |
| Net operating income to assets | 1.1082% | 1,885 |
| Return on assets (ROA) | 1.0632% | 2,149 |
| Pretax return on assets | 1.5213% | 1,489 |
| Return on Equity (ROE) | 8.1991% | 2,845 |
| Retained earnings to average equity (ytd only) | 5.0130% | 2,406 |
| Net charge-offs to loans | 0.0139% | 4,015 |
| Credit loss provision to net charge-offs | 517.4359% | 628 |
| Earnings coverage of net charge-offs (x) | 161.8188% | 397 |
| Efficiency ratio | 71.4645% | 2,993 |
| Assets per employee ($millions) | 4.2631% | 3,463 |
| Cash dividends to net income (ytd only)* | 38.8590% | 2,900 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8300% | 5,326 |
| Loan loss allowance to noncurrent loans | 369.7253% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 2,921 |
| Noncurrent loans to loans | 0.2245% | 4,626 |
| Net loans and leases to total assets | 72.7917% | 1,923 |
| Net loans and leases to deposits | 93.0388% | 1,304 |
| Net loans and leases to core deposits | 103.5105% | 1,254 |
| Total domestic deposits to total assets | 78.2380% | 5,118 |
| Equity capital to assets | 12.8787% | 1,414 |
| Core capital (leverage) ratio | 10.6710% | 2,742 |
| Tier 1 risk-based capital ratio | 12.6961% | 4,511 |
| Total risk-based capital ratio | 13.4392% | 4,736 |
| Memoranda: |
| Average total assets | $5,867,363,800 | 174 |
| Average earning assets | $5,144,793,000 | 179 |
| Average equity | $760,838,600 | 163 |
| Average total loans | $4,196,207,000 | 172 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1913% | 2,605 |
| Cost of funding earning assets | 0.6340% | 1,182 |
| Net interest margin | 3.5573% | 3,311 |
| Noninterest income to average assets | 2.9511% | 219 |
| Noninterest expense to average assets | 4.3026% | 489 |
| Loan and lease loss provision to assets | 0.0504% | 3,201 |
| Net operating income to assets | 1.2049% | 1,638 |
| Return on assets (ROA) | 1.1554% | 1,882 |
| Pretax return on assets | 1.6654% | 1,197 |
| Return on Equity (ROE) | 8.8937% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.6778% | 2,465 |
| Net charge-offs to loans | 0.0242% | 3,456 |
| Credit loss provision to net charge-offs | 293.6572% | 984 |
| Earnings coverage of net charge-offs (x) | 102.5609% | 611 |
| Efficiency ratio | 69.9998% | 3,215 |
| Assets per employee ($millions) | 4.2549% | 3,415 |
| Cash dividends to net income (ytd only)* | 36.1587% | 2,509 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8363% | 5,422 |
| Loan loss allowance to noncurrent loans | 227.4310% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 2,610 |
| Noncurrent loans to loans | 0.3677% | 4,296 |
| Net loans and leases to total assets | 71.7379% | 2,104 |
| Net loans and leases to deposits | 92.2140% | 1,381 |
| Net loans and leases to core deposits | 102.7419% | 1,322 |
| Total domestic deposits to total assets | 77.7950% | 5,223 |
| Equity capital to assets | 13.0736% | 1,413 |
| Core capital (leverage) ratio | 10.9304% | 2,565 |
| Tier 1 risk-based capital ratio | 12.6212% | 4,669 |
| Total risk-based capital ratio | 13.3454% | 4,940 |
| Memoranda: |
| Average total assets | $5,760,058,750 | 176 |
| Average earning assets | $5,036,753,750 | 181 |
| Average equity | $748,318,000 | 167 |
| Average total loans | $4,089,821,500 | 176 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2019% | 2,537 |
| Cost of funding earning assets | 0.6301% | 1,227 |
| Net interest margin | 3.5717% | 3,202 |
| Noninterest income to average assets | 3.0054% | 215 |
| Noninterest expense to average assets | 4.3556% | 475 |
| Loan and lease loss provision to assets | 0.0727% | 2,654 |
| Net operating income to assets | 1.2125% | 1,562 |
| Return on assets (ROA) | 1.1508% | 1,845 |
| Pretax return on assets | 1.6697% | 1,144 |
| Return on Equity (ROE) | 8.8787% | 2,617 |
| Retained earnings to average equity (ytd only) | 5.6239% | 2,451 |
| Net charge-offs to loans | 0.0339% | 2,990 |
| Credit loss provision to net charge-offs | 304.3155% | 926 |
| Earnings coverage of net charge-offs (x) | 75.3958% | 741 |
| Efficiency ratio | 69.7796% | 3,364 |
| Assets per employee ($millions) | 4.1191% | 3,641 |
| Cash dividends to net income (ytd only)* | 36.6584% | 2,552 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8486% | 5,473 |
| Loan loss allowance to noncurrent loans | 239.8071% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 2,470 |
| Noncurrent loans to loans | 0.3539% | 4,435 |
| Net loans and leases to total assets | 71.9526% | 1,987 |
| Net loans and leases to deposits | 92.4484% | 1,325 |
| Net loans and leases to core deposits | 103.1920% | 1,249 |
| Total domestic deposits to total assets | 77.8300% | 5,309 |
| Equity capital to assets | 13.1131% | 1,343 |
| Core capital (leverage) ratio | 11.1194% | 2,314 |
| Tier 1 risk-based capital ratio | 13.0717% | 4,477 |
| Total risk-based capital ratio | 13.8354% | 4,670 |
| Memoranda: |
| Average total assets | $5,622,115,000 | 180 |
| Average earning assets | $4,962,391,000 | 183 |
| Average equity | $728,706,670 | 168 |
| Average total loans | $3,964,305,670 | 180 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3045% | 2,088 |
| Cost of funding earning assets | 0.6534% | 1,094 |
| Net interest margin | 3.6510% | 2,812 |
| Noninterest income to average assets | 2.8092% | 234 |
| Noninterest expense to average assets | 4.4199% | 453 |
| Loan and lease loss provision to assets | 0.0239% | 3,393 |
| Net operating income to assets | 1.1240% | 1,780 |
| Return on assets (ROA) | 1.0758% | 2,066 |
| Pretax return on assets | 1.5482% | 1,401 |
| Return on Equity (ROE) | 8.3546% | 2,781 |
| Retained earnings to average equity (ytd only) | 5.0939% | 3,007 |
| Net charge-offs to loans | 0.0355% | 2,500 |
| Credit loss provision to net charge-offs | 96.9970% | 1,696 |
| Earnings coverage of net charge-offs (x) | 65.7147% | 676 |
| Efficiency ratio | 72.1515% | 3,149 |
| Assets per employee ($millions) | 4.0115% | 3,936 |
| Cash dividends to net income (ytd only)* | 39.0288% | 2,069 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8910% | 5,461 |
| Loan loss allowance to noncurrent loans | 437.5168% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 1.0278% | 2,567 |
| Noncurrent loans to loans | 0.2036% | 5,047 |
| Net loans and leases to total assets | 68.5268% | 2,364 |
| Net loans and leases to deposits | 88.0070% | 1,609 |
| Net loans and leases to core deposits | 98.0026% | 1,474 |
| Total domestic deposits to total assets | 77.8651% | 5,476 |
| Equity capital to assets | 13.4362% | 1,199 |
| Core capital (leverage) ratio | 10.9880% | 2,422 |
| Tier 1 risk-based capital ratio | 13.2015% | 4,496 |
| Total risk-based capital ratio | 13.9629% | 4,701 |
| Memoranda: |
| Average total assets | $5,405,602,000 | 181 |
| Average earning assets | $4,782,117,000 | 183 |
| Average equity | $696,051,000 | 171 |
| Average total loans | $3,749,397,500 | 186 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9876% | 3,770 |
| Cost of funding earning assets | 0.6176% | 1,624 |
| Net interest margin | 3.3700% | 4,328 |
| Noninterest income to average assets | 2.8145% | 207 |
| Noninterest expense to average assets | 4.5111% | 456 |
| Loan and lease loss provision to assets | 0.0101% | 4,421 |
| Net operating income to assets | 0.9242% | 2,753 |
| Return on assets (ROA) | 0.8672% | 3,128 |
| Pretax return on assets | 1.2411% | 2,484 |
| Return on Equity (ROE) | 7.0995% | 3,574 |
| Retained earnings to average equity (ytd only) | 4.3987% | 3,052 |
| Net charge-offs to loans | 0.0872% | 3,244 |
| Credit loss provision to net charge-offs | 16.6497% | 4,015 |
| Earnings coverage of net charge-offs (x) | 21.5283% | 1,673 |
| Efficiency ratio | 76.5917% | 2,425 |
| Assets per employee ($millions) | 3.7044% | 4,517 |
| Cash dividends to net income (ytd only)* | 38.0422% | 2,957 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0355% | 4,875 |
| Loan loss allowance to noncurrent loans | 531.8673% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 3,110 |
| Noncurrent loans to loans | 0.1947% | 5,123 |
| Net loans and leases to total assets | 68.8961% | 2,415 |
| Net loans and leases to deposits | 88.7691% | 1,641 |
| Net loans and leases to core deposits | 99.1529% | 1,454 |
| Total domestic deposits to total assets | 77.6127% | 5,503 |
| Equity capital to assets | 12.2217% | 1,845 |
| Core capital (leverage) ratio | 9.9422% | 3,653 |
| Tier 1 risk-based capital ratio | 12.7274% | 4,906 |
| Total risk-based capital ratio | 13.6712% | 5,000 |
| Memoranda: |
| Average total assets | $4,862,600,800 | 188 |
| Average earning assets | $4,335,641,600 | 188 |
| Average equity | $593,970,600 | 180 |
| Average total loans | $3,390,351,400 | 189 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9925% | 3,790 |
| Cost of funding earning assets | 0.6215% | 1,663 |
| Net interest margin | 3.3710% | 4,352 |
| Noninterest income to average assets | 2.8830% | 200 |
| Noninterest expense to average assets | 4.4234% | 498 |
| Loan and lease loss provision to assets | 0.0136% | 4,144 |
| Net operating income to assets | 1.0252% | 2,343 |
| Return on assets (ROA) | 0.9638% | 2,698 |
| Pretax return on assets | 1.3882% | 2,055 |
| Return on Equity (ROE) | 7.8915% | 3,267 |
| Retained earnings to average equity (ytd only) | 5.2001% | 2,952 |
| Net charge-offs to loans | 0.1065% | 2,734 |
| Credit loss provision to net charge-offs | 18.3067% | 3,597 |
| Earnings coverage of net charge-offs (x) | 19.6944% | 1,769 |
| Efficiency ratio | 74.3020% | 2,773 |
| Assets per employee ($millions) | 3.6190% | 4,642 |
| Cash dividends to net income (ytd only)* | 34.1043% | 2,614 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0504% | 4,985 |
| Loan loss allowance to noncurrent loans | 492.7141% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 3,169 |
| Noncurrent loans to loans | 0.2132% | 5,265 |
| Net loans and leases to total assets | 68.5454% | 2,457 |
| Net loans and leases to deposits | 88.1209% | 1,650 |
| Net loans and leases to core deposits | 98.8071% | 1,464 |
| Total domestic deposits to total assets | 77.7857% | 5,569 |
| Equity capital to assets | 12.1507% | 1,946 |
| Core capital (leverage) ratio | 10.0390% | 3,622 |
| Tier 1 risk-based capital ratio | 12.8843% | 4,925 |
| Total risk-based capital ratio | 13.8449% | 5,038 |
| Memoranda: |
| Average total assets | $4,832,629,750 | 188 |
| Average earning assets | $4,306,060,750 | 189 |
| Average equity | $590,227,000 | 179 |
| Average total loans | $3,370,775,250 | 186 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9991% | 3,730 |
| Cost of funding earning assets | 0.6231% | 1,704 |
| Net interest margin | 3.3760% | 4,283 |
| Noninterest income to average assets | 2.7872% | 206 |
| Noninterest expense to average assets | 4.3687% | 518 |
| Loan and lease loss provision to assets | -0.0210% | 6,249 |
| Net operating income to assets | 1.0114% | 2,285 |
| Return on assets (ROA) | 0.9531% | 2,632 |
| Pretax return on assets | 1.3851% | 1,951 |
| Return on Equity (ROE) | 7.7900% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.1201% | 2,886 |
| Net charge-offs to loans | 0.1250% | 2,419 |
| Credit loss provision to net charge-offs | -24.0555% | 5,111 |
| Earnings coverage of net charge-offs (x) | 16.2860% | 1,806 |
| Efficiency ratio | 74.6055% | 2,871 |
| Assets per employee ($millions) | 3.4674% | 4,909 |
| Cash dividends to net income (ytd only)* | 34.2731% | 2,630 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0468% | 5,136 |
| Loan loss allowance to noncurrent loans | 467.6075% | 984 |
| Noncurrent assets plus other real estate owned to assets | 1.0167% | 3,035 |
| Noncurrent loans to loans | 0.2239% | 5,331 |
| Net loans and leases to total assets | 68.8990% | 2,257 |
| Net loans and leases to deposits | 88.6061% | 1,520 |
| Net loans and leases to core deposits | 99.3607% | 1,329 |
| Total domestic deposits to total assets | 77.7587% | 5,684 |
| Equity capital to assets | 12.1388% | 1,891 |
| Core capital (leverage) ratio | 10.1596% | 3,404 |
| Tier 1 risk-based capital ratio | 12.8282% | 5,019 |
| Total risk-based capital ratio | 13.7932% | 5,127 |
| Memoranda: |
| Average total assets | $4,786,023,330 | 191 |
| Average earning assets | $4,259,470,670 | 190 |
| Average equity | $585,574,330 | 178 |
| Average total loans | $3,346,178,330 | 186 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9870% | 3,743 |
| Cost of funding earning assets | 0.6320% | 1,714 |
| Net interest margin | 3.3550% | 4,316 |
| Noninterest income to average assets | 2.5496% | 234 |
| Noninterest expense to average assets | 4.1098% | 673 |
| Loan and lease loss provision to assets | 0.0279% | 3,463 |
| Net operating income to assets | 0.9825% | 2,276 |
| Return on assets (ROA) | 0.9425% | 2,513 |
| Pretax return on assets | 1.3578% | 1,887 |
| Return on Equity (ROE) | 7.6717% | 3,107 |
| Retained earnings to average equity (ytd only) | 5.1065% | 3,055 |
| Net charge-offs to loans | 0.1410% | 1,877 |
| Credit loss provision to net charge-offs | 28.2776% | 2,411 |
| Earnings coverage of net charge-offs (x) | 14.4284% | 1,611 |
| Efficiency ratio | 73.4321% | 3,242 |
| Assets per employee ($millions) | 3.6424% | 4,638 |
| Cash dividends to net income (ytd only)* | 33.4381% | 2,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1284% | 4,994 |
| Loan loss allowance to noncurrent loans | 324.3736% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1081% | 3,041 |
| Noncurrent loans to loans | 0.3479% | 5,070 |
| Net loans and leases to total assets | 68.8880% | 2,073 |
| Net loans and leases to deposits | 88.9601% | 1,256 |
| Net loans and leases to core deposits | 100.2109% | 1,090 |
| Total domestic deposits to total assets | 77.4370% | 5,911 |
| Equity capital to assets | 12.2386% | 1,726 |
| Core capital (leverage) ratio | 10.4159% | 3,026 |
| Tier 1 risk-based capital ratio | 12.9490% | 5,032 |
| Total risk-based capital ratio | 13.9710% | 5,115 |
| Memoranda: |
| Average total assets | $4,724,116,500 | 191 |
| Average earning assets | $4,204,312,000 | 191 |
| Average equity | $580,364,000 | 179 |
| Average total loans | $3,309,960,000 | 185 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2505% | 3,149 |
| Cost of funding earning assets | 0.6576% | 2,148 |
| Net interest margin | 3.5929% | 3,493 |
| Noninterest income to average assets | 2.9108% | 233 |
| Noninterest expense to average assets | 4.6498% | 461 |
| Loan and lease loss provision to assets | 0.0939% | 3,242 |
| Net operating income to assets | 0.9767% | 2,435 |
| Return on assets (ROA) | 0.9231% | 2,758 |
| Pretax return on assets | 1.3019% | 2,143 |
| Return on Equity (ROE) | 7.4009% | 3,354 |
| Retained earnings to average equity (ytd only) | 4.3760% | 3,065 |
| Net charge-offs to loans | 0.1915% | 2,935 |
| Credit loss provision to net charge-offs | 67.4821% | 3,372 |
| Earnings coverage of net charge-offs (x) | 10.4125% | 2,372 |
| Efficiency ratio | 75.4654% | 2,863 |
| Assets per employee ($millions) | 3.4589% | 4,980 |
| Cash dividends to net income (ytd only)* | 40.8721% | 2,769 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1656% | 4,830 |
| Loan loss allowance to noncurrent loans | 299.5863% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 1.1171% | 3,169 |
| Noncurrent loans to loans | 0.3891% | 5,035 |
| Net loans and leases to total assets | 69.6433% | 2,075 |
| Net loans and leases to deposits | 90.7926% | 1,176 |
| Net loans and leases to core deposits | 101.4752% | 1,063 |
| Total domestic deposits to total assets | 76.7060% | 6,023 |
| Equity capital to assets | 12.3327% | 1,604 |
| Core capital (leverage) ratio | 10.2864% | 3,166 |
| Tier 1 risk-based capital ratio | 12.9335% | 5,025 |
| Total risk-based capital ratio | 13.9958% | 5,088 |
| Memoranda: |
| Average total assets | $4,524,022,600 | 190 |
| Average earning assets | $4,013,944,800 | 190 |
| Average equity | $564,280,600 | 181 |
| Average total loans | $3,287,417,200 | 181 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2629% | 3,148 |
| Cost of funding earning assets | 0.6620% | 2,245 |
| Net interest margin | 3.6010% | 3,443 |
| Noninterest income to average assets | 3.1096% | 227 |
| Noninterest expense to average assets | 4.7776% | 407 |
| Loan and lease loss provision to assets | 0.1098% | 2,935 |
| Net operating income to assets | 1.0150% | 2,317 |
| Return on assets (ROA) | 0.9535% | 2,677 |
| Pretax return on assets | 1.3541% | 2,101 |
| Return on Equity (ROE) | 7.6225% | 3,317 |
| Retained earnings to average equity (ytd only) | 4.4519% | 3,501 |
| Net charge-offs to loans | 0.2257% | 2,457 |
| Credit loss provision to net charge-offs | 66.4390% | 3,152 |
| Earnings coverage of net charge-offs (x) | 9.2231% | 2,510 |
| Efficiency ratio | 75.0591% | 2,895 |
| Assets per employee ($millions) | 3.2720% | 5,337 |
| Cash dividends to net income (ytd only)* | 41.5950% | 2,226 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1736% | 4,994 |
| Loan loss allowance to noncurrent loans | 278.4116% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 1.2169% | 3,212 |
| Noncurrent loans to loans | 0.4215% | 5,142 |
| Net loans and leases to total assets | 71.0384% | 1,772 |
| Net loans and leases to deposits | 92.9825% | 903 |
| Net loans and leases to core deposits | 104.9347% | 825 |
| Total domestic deposits to total assets | 76.3998% | 6,125 |
| Equity capital to assets | 12.4550% | 1,608 |
| Core capital (leverage) ratio | 10.2834% | 3,269 |
| Tier 1 risk-based capital ratio | 13.0172% | 5,109 |
| Total risk-based capital ratio | 14.1114% | 5,158 |
| Memoranda: |
| Average total assets | $4,486,779,000 | 189 |
| Average earning assets | $3,978,026,500 | 189 |
| Average equity | $561,273,750 | 178 |
| Average total loans | $3,286,068,750 | 177 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2708% | 3,071 |
| Cost of funding earning assets | 0.6676% | 2,335 |
| Net interest margin | 3.6032% | 3,343 |
| Noninterest income to average assets | 3.1347% | 238 |
| Noninterest expense to average assets | 4.7406% | 430 |
| Loan and lease loss provision to assets | 0.1511% | 2,433 |
| Net operating income to assets | 1.0336% | 2,191 |
| Return on assets (ROA) | 0.9720% | 2,599 |
| Pretax return on assets | 1.3790% | 2,009 |
| Return on Equity (ROE) | 7.7587% | 3,211 |
| Retained earnings to average equity (ytd only) | 4.7243% | 3,246 |
| Net charge-offs to loans | 0.2896% | 2,034 |
| Credit loss provision to net charge-offs | 70.7922% | 2,804 |
| Earnings coverage of net charge-offs (x) | 7.4564% | 2,545 |
| Efficiency ratio | 74.1340% | 3,101 |
| Assets per employee ($millions) | 3.2383% | 5,394 |
| Cash dividends to net income (ytd only)* | 39.1094% | 2,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1742% | 5,127 |
| Loan loss allowance to noncurrent loans | 315.2213% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 1.3022% | 3,168 |
| Noncurrent loans to loans | 0.3725% | 5,345 |
| Net loans and leases to total assets | 71.5009% | 1,647 |
| Net loans and leases to deposits | 93.1641% | 869 |
| Net loans and leases to core deposits | 105.3591% | 775 |
| Total domestic deposits to total assets | 76.7473% | 6,164 |
| Equity capital to assets | 12.2615% | 1,733 |
| Core capital (leverage) ratio | 10.5431% | 2,826 |
| Tier 1 risk-based capital ratio | 12.8538% | 5,255 |
| Total risk-based capital ratio | 13.9548% | 5,292 |
| Memoranda: |
| Average total assets | $4,458,729,670 | 188 |
| Average earning assets | $3,956,820,000 | 187 |
| Average equity | $558,596,000 | 177 |
| Average total loans | $3,286,200,670 | 176 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2991% | 2,894 |
| Cost of funding earning assets | 0.6867% | 2,329 |
| Net interest margin | 3.6124% | 3,210 |
| Noninterest income to average assets | 3.0362% | 245 |
| Noninterest expense to average assets | 4.5156% | 527 |
| Loan and lease loss provision to assets | 0.3253% | 1,036 |
| Net operating income to assets | 1.0053% | 2,200 |
| Return on assets (ROA) | 0.9540% | 2,564 |
| Pretax return on assets | 1.3517% | 2,035 |
| Return on Equity (ROE) | 7.5306% | 3,210 |
| Retained earnings to average equity (ytd only) | 4.4813% | 3,544 |
| Net charge-offs to loans | 0.4100% | 1,427 |
| Credit loss provision to net charge-offs | 106.6288% | 1,736 |
| Earnings coverage of net charge-offs (x) | 5.6650% | 2,340 |
| Efficiency ratio | 71.5541% | 3,692 |
| Assets per employee ($millions) | 3.3942% | 5,219 |
| Cash dividends to net income (ytd only)* | 40.4928% | 1,836 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2439% | 4,982 |
| Loan loss allowance to noncurrent loans | 225.4645% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 1.4777% | 3,045 |
| Noncurrent loans to loans | 0.5517% | 5,059 |
| Net loans and leases to total assets | 73.7645% | 1,109 |
| Net loans and leases to deposits | 96.2131% | 531 |
| Net loans and leases to core deposits | 106.2515% | 630 |
| Total domestic deposits to total assets | 76.6679% | 6,284 |
| Equity capital to assets | 12.7870% | 1,541 |
| Core capital (leverage) ratio | 10.6197% | 2,638 |
| Tier 1 risk-based capital ratio | 12.6390% | 5,479 |
| Total risk-based capital ratio | 13.7835% | 5,507 |
| Memoranda: |
| Average total assets | $4,390,549,000 | 193 |
| Average earning assets | $3,898,801,000 | 192 |
| Average equity | $556,181,500 | 181 |
| Average total loans | $3,267,017,500 | 178 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6039% | 2,982 |
| Cost of funding earning assets | 0.7754% | 2,869 |
| Net interest margin | 3.8286% | 3,108 |
| Noninterest income to average assets | 2.7628% | 282 |
| Noninterest expense to average assets | 4.5684% | 540 |
| Loan and lease loss provision to assets | 0.3814% | 1,714 |
| Net operating income to assets | 0.9013% | 2,812 |
| Return on assets (ROA) | 0.8954% | 3,076 |
| Pretax return on assets | 1.2250% | 2,703 |
| Return on Equity (ROE) | 7.0578% | 3,610 |
| Retained earnings to average equity (ytd only) | 3.9607% | 3,415 |
| Net charge-offs to loans | 0.5004% | 2,238 |
| Credit loss provision to net charge-offs | 104.4414% | 2,858 |
| Earnings coverage of net charge-offs (x) | 4.3832% | 3,386 |
| Efficiency ratio | 73.1944% | 3,210 |
| Assets per employee ($millions) | 3.6085% | 4,761 |
| Cash dividends to net income (ytd only)* | 43.8823% | 2,647 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2378% | 4,943 |
| Loan loss allowance to noncurrent loans | 96.6067% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.6021% | 2,990 |
| Noncurrent loans to loans | 1.2813% | 3,697 |
| Net loans and leases to total assets | 73.2113% | 1,303 |
| Net loans and leases to deposits | 95.0383% | 678 |
| Net loans and leases to core deposits | 108.3626% | 597 |
| Total domestic deposits to total assets | 77.0335% | 6,219 |
| Equity capital to assets | 12.5492% | 1,674 |
| Core capital (leverage) ratio | 10.3966% | 2,888 |
| Tier 1 risk-based capital ratio | 12.5986% | 5,399 |
| Total risk-based capital ratio | 13.7527% | 5,428 |
| Memoranda: |
| Average total assets | $4,236,244,000 | 197 |
| Average earning assets | $3,768,651,400 | 194 |
| Average equity | $537,434,400 | 183 |
| Average total loans | $3,091,151,800 | 180 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6411% | 3,054 |
| Cost of funding earning assets | 0.7928% | 3,009 |
| Net interest margin | 3.8483% | 3,125 |
| Noninterest income to average assets | 2.8536% | 267 |
| Noninterest expense to average assets | 4.6082% | 504 |
| Loan and lease loss provision to assets | 0.4195% | 1,523 |
| Net operating income to assets | 0.9008% | 2,980 |
| Return on assets (ROA) | 0.9002% | 3,214 |
| Pretax return on assets | 1.2664% | 2,725 |
| Return on Equity (ROE) | 7.0755% | 3,763 |
| Retained earnings to average equity (ytd only) | 3.9712% | 4,090 |
| Net charge-offs to loans | 0.5950% | 1,844 |
| Credit loss provision to net charge-offs | 97.0294% | 3,082 |
| Earnings coverage of net charge-offs (x) | 3.8592% | 3,486 |
| Efficiency ratio | 72.5330% | 3,227 |
| Assets per employee ($millions) | 3.5571% | 4,834 |
| Cash dividends to net income (ytd only)* | 43.8743% | 1,985 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2468% | 5,060 |
| Loan loss allowance to noncurrent loans | 75.1031% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.9287% | 2,745 |
| Noncurrent loans to loans | 1.6601% | 3,302 |
| Net loans and leases to total assets | 72.1484% | 1,528 |
| Net loans and leases to deposits | 93.9981% | 793 |
| Net loans and leases to core deposits | 107.4861% | 671 |
| Total domestic deposits to total assets | 76.7551% | 6,272 |
| Equity capital to assets | 12.6564% | 1,794 |
| Core capital (leverage) ratio | 10.6561% | 2,750 |
| Tier 1 risk-based capital ratio | 12.8776% | 5,347 |
| Total risk-based capital ratio | 14.0292% | 5,380 |
| Memoranda: |
| Average total assets | $4,193,823,500 | 200 |
| Average earning assets | $3,730,522,750 | 198 |
| Average equity | $533,565,500 | 186 |
| Average total loans | $3,047,424,500 | 183 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6422% | 3,170 |
| Cost of funding earning assets | 0.8103% | 3,108 |
| Net interest margin | 3.8318% | 3,214 |
| Noninterest income to average assets | 2.7854% | 262 |
| Noninterest expense to average assets | 4.5740% | 520 |
| Loan and lease loss provision to assets | 0.3959% | 1,660 |
| Net operating income to assets | 0.8874% | 2,970 |
| Return on assets (ROA) | 0.9135% | 3,107 |
| Pretax return on assets | 1.2725% | 2,645 |
| Return on Equity (ROE) | 7.1669% | 3,688 |
| Retained earnings to average equity (ytd only) | 3.9472% | 3,990 |
| Net charge-offs to loans | 0.5041% | 2,074 |
| Credit loss provision to net charge-offs | 108.3004% | 2,516 |
| Earnings coverage of net charge-offs (x) | 4.4211% | 3,089 |
| Efficiency ratio | 72.9285% | 3,254 |
| Assets per employee ($millions) | 3.3263% | 5,389 |
| Cash dividends to net income (ytd only)* | 44.9249% | 1,959 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2796% | 4,988 |
| Loan loss allowance to noncurrent loans | 77.7273% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.9313% | 2,872 |
| Noncurrent loans to loans | 1.6463% | 3,434 |
| Net loans and leases to total assets | 73.6110% | 1,306 |
| Net loans and leases to deposits | 93.1204% | 843 |
| Net loans and leases to core deposits | 107.4057% | 687 |
| Total domestic deposits to total assets | 79.0492% | 5,954 |
| Equity capital to assets | 12.7648% | 1,646 |
| Core capital (leverage) ratio | 10.7612% | 2,528 |
| Tier 1 risk-based capital ratio | 12.2945% | 5,729 |
| Total risk-based capital ratio | 13.4435% | 5,782 |
| Memoranda: |
| Average total assets | $4,152,328,000 | 200 |
| Average earning assets | $3,689,558,000 | 198 |
| Average equity | $529,240,330 | 186 |
| Average total loans | $3,011,590,670 | 182 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6442% | 3,294 |
| Cost of funding earning assets | 0.8366% | 3,176 |
| Net interest margin | 3.8076% | 3,361 |
| Noninterest income to average assets | 2.8610% | 260 |
| Noninterest expense to average assets | 4.5120% | 548 |
| Loan and lease loss provision to assets | 0.3984% | 1,587 |
| Net operating income to assets | 0.9390% | 2,751 |
| Return on assets (ROA) | 0.9178% | 3,052 |
| Pretax return on assets | 1.3120% | 2,499 |
| Return on Equity (ROE) | 7.2063% | 3,654 |
| Retained earnings to average equity (ytd only) | 3.8677% | 4,269 |
| Net charge-offs to loans | 0.5174% | 1,798 |
| Credit loss provision to net charge-offs | 107.7307% | 2,165 |
| Earnings coverage of net charge-offs (x) | 4.6826% | 2,521 |
| Efficiency ratio | 71.2833% | 3,572 |
| Assets per employee ($millions) | 3.6449% | 4,781 |
| Cash dividends to net income (ytd only)* | 46.3283% | 1,571 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3447% | 4,825 |
| Loan loss allowance to noncurrent loans | 68.3419% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 2.1908% | 2,695 |
| Noncurrent loans to loans | 1.9675% | 3,202 |
| Net loans and leases to total assets | 70.8757% | 1,597 |
| Net loans and leases to deposits | 89.9734% | 964 |
| Net loans and leases to core deposits | 103.1234% | 804 |
| Total domestic deposits to total assets | 78.7741% | 6,126 |
| Equity capital to assets | 12.8721% | 1,497 |
| Core capital (leverage) ratio | 10.6778% | 2,573 |
| Tier 1 risk-based capital ratio | 12.6178% | 5,503 |
| Total risk-based capital ratio | 13.8128% | 5,518 |
| Memoranda: |
| Average total assets | $4,112,995,000 | 197 |
| Average earning assets | $3,654,308,500 | 199 |
| Average equity | $523,821,500 | 186 |
| Average total loans | $2,939,963,000 | 179 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8548% | 3,564 |
| Cost of funding earning assets | 1.0204% | 3,236 |
| Net interest margin | 3.8344% | 3,651 |
| Noninterest income to average assets | 2.4688% | 275 |
| Noninterest expense to average assets | 4.4908% | 593 |
| Loan and lease loss provision to assets | 0.3405% | 2,972 |
| Net operating income to assets | 0.7550% | 3,243 |
| Return on assets (ROA) | 0.8342% | 3,057 |
| Pretax return on assets | 1.1528% | 2,638 |
| Return on Equity (ROE) | 6.6208% | 3,578 |
| Retained earnings to average equity (ytd only) | 3.1659% | 3,964 |
| Net charge-offs to loans | 0.4451% | 3,208 |
| Credit loss provision to net charge-offs | 108.6161% | 3,105 |
| Earnings coverage of net charge-offs (x) | 4.4282% | 3,116 |
| Efficiency ratio | 75.2576% | 3,014 |
| Assets per employee ($millions) | 3.6090% | 4,752 |
| Cash dividends to net income (ytd only)* | 52.1833% | 1,940 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3691% | 4,603 |
| Loan loss allowance to noncurrent loans | 69.7903% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 2.1256% | 2,821 |
| Noncurrent loans to loans | 1.9617% | 3,259 |
| Net loans and leases to total assets | 70.1388% | 2,006 |
| Net loans and leases to deposits | 89.2752% | 1,231 |
| Net loans and leases to core deposits | 105.3792% | 825 |
| Total domestic deposits to total assets | 78.5648% | 6,081 |
| Equity capital to assets | 12.5973% | 1,747 |
| Core capital (leverage) ratio | 10.2364% | 3,048 |
| Tier 1 risk-based capital ratio | 12.5120% | 5,435 |
| Total risk-based capital ratio | 14.1732% | 5,113 |
| Memoranda: |
| Average total assets | $3,994,430,600 | 201 |
| Average earning assets | $3,552,613,000 | 198 |
| Average equity | $503,274,200 | 185 |
| Average total loans | $2,813,352,000 | 183 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9085% | 3,515 |
| Cost of funding earning assets | 1.0637% | 3,218 |
| Net interest margin | 3.8449% | 3,642 |
| Noninterest income to average assets | 2.2927% | 303 |
| Noninterest expense to average assets | 4.2942% | 719 |
| Loan and lease loss provision to assets | 0.4209% | 2,364 |
| Net operating income to assets | 0.7121% | 3,548 |
| Return on assets (ROA) | 0.8167% | 3,241 |
| Pretax return on assets | 1.1396% | 2,859 |
| Return on Equity (ROE) | 6.4818% | 3,783 |
| Retained earnings to average equity (ytd only) | 3.0505% | 4,506 |
| Net charge-offs to loans | 0.4901% | 2,787 |
| Credit loss provision to net charge-offs | 122.2222% | 2,649 |
| Earnings coverage of net charge-offs (x) | 4.1239% | 3,173 |
| Efficiency ratio | 73.9970% | 3,182 |
| Assets per employee ($millions) | 3.7612% | 4,381 |
| Cash dividends to net income (ytd only)* | 52.9383% | 1,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4675% | 4,259 |
| Loan loss allowance to noncurrent loans | 61.9914% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 2.2986% | 2,786 |
| Noncurrent loans to loans | 2.3672% | 2,932 |
| Net loans and leases to total assets | 68.2422% | 2,434 |
| Net loans and leases to deposits | 87.0112% | 1,553 |
| Net loans and leases to core deposits | 102.4535% | 1,076 |
| Total domestic deposits to total assets | 78.4292% | 6,108 |
| Equity capital to assets | 12.6306% | 1,833 |
| Core capital (leverage) ratio | 10.2309% | 3,153 |
| Tier 1 risk-based capital ratio | 12.7533% | 5,290 |
| Total risk-based capital ratio | 14.4433% | 4,934 |
| Memoranda: |
| Average total assets | $3,972,595,500 | 201 |
| Average earning assets | $3,535,220,000 | 199 |
| Average equity | $500,544,250 | 187 |
| Average total loans | $2,791,028,250 | 182 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9468% | 3,408 |
| Cost of funding earning assets | 1.0938% | 3,291 |
| Net interest margin | 3.8530% | 3,522 |
| Noninterest income to average assets | 2.2344% | 313 |
| Noninterest expense to average assets | 4.2256% | 809 |
| Loan and lease loss provision to assets | 0.5635% | 1,718 |
| Net operating income to assets | 0.6276% | 3,918 |
| Return on assets (ROA) | 0.7996% | 3,201 |
| Pretax return on assets | 1.1037% | 2,836 |
| Return on Equity (ROE) | 6.3516% | 3,765 |
| Retained earnings to average equity (ytd only) | 2.7501% | 4,533 |
| Net charge-offs to loans | 0.5742% | 2,385 |
| Credit loss provision to net charge-offs | 139.0067% | 2,189 |
| Earnings coverage of net charge-offs (x) | 3.5553% | 3,136 |
| Efficiency ratio | 73.4016% | 3,482 |
| Assets per employee ($millions) | 3.7270% | 4,361 |
| Cash dividends to net income (ytd only)* | 56.7019% | 1,459 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4898% | 4,179 |
| Loan loss allowance to noncurrent loans | 60.8758% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 2.3600% | 2,792 |
| Noncurrent loans to loans | 2.4473% | 2,938 |
| Net loans and leases to total assets | 68.7726% | 2,460 |
| Net loans and leases to deposits | 88.7345% | 1,403 |
| Net loans and leases to core deposits | 105.2473% | 970 |
| Total domestic deposits to total assets | 77.5037% | 6,373 |
| Equity capital to assets | 12.5079% | 1,773 |
| Core capital (leverage) ratio | 10.1513% | 3,088 |
| Tier 1 risk-based capital ratio | 12.4456% | 5,398 |
| Total risk-based capital ratio | 14.1330% | 4,986 |
| Memoranda: |
| Average total assets | $3,954,034,000 | 205 |
| Average earning assets | $3,522,328,670 | 202 |
| Average equity | $497,794,330 | 191 |
| Average total loans | $2,791,395,000 | 186 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0198% | 3,012 |
| Cost of funding earning assets | 1.1072% | 3,478 |
| Net interest margin | 3.9126% | 3,080 |
| Noninterest income to average assets | 2.1837% | 323 |
| Noninterest expense to average assets | 4.0745% | 948 |
| Loan and lease loss provision to assets | 0.3894% | 2,240 |
| Net operating income to assets | 0.8521% | 2,771 |
| Return on assets (ROA) | 0.8468% | 2,851 |
| Pretax return on assets | 1.1933% | 2,394 |
| Return on Equity (ROE) | 6.7037% | 3,531 |
| Retained earnings to average equity (ytd only) | 3.0842% | 4,316 |
| Net charge-offs to loans | 0.3529% | 2,653 |
| Credit loss provision to net charge-offs | 155.3928% | 1,846 |
| Earnings coverage of net charge-offs (x) | 6.3313% | 2,119 |
| Efficiency ratio | 70.7970% | 4,101 |
| Assets per employee ($millions) | 3.9146% | 4,040 |
| Cash dividends to net income (ytd only)* | 53.9925% | 1,385 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4433% | 4,469 |
| Loan loss allowance to noncurrent loans | 54.4592% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 2.4440% | 2,781 |
| Noncurrent loans to loans | 2.6502% | 2,846 |
| Net loans and leases to total assets | 68.7806% | 2,381 |
| Net loans and leases to deposits | 89.0925% | 1,341 |
| Net loans and leases to core deposits | 107.4232% | 873 |
| Total domestic deposits to total assets | 77.2014% | 6,495 |
| Equity capital to assets | 12.5465% | 1,603 |
| Core capital (leverage) ratio | 10.2828% | 2,822 |
| Tier 1 risk-based capital ratio | 11.9836% | 5,707 |
| Total risk-based capital ratio | 13.6371% | 5,350 |
| Memoranda: |
| Average total assets | $3,922,191,500 | 204 |
| Average earning assets | $3,485,802,000 | 202 |
| Average equity | $495,424,500 | 191 |
| Average total loans | $2,784,655,000 | 186 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1056% | 4,072 |
| Cost of funding earning assets | 1.4050% | 3,235 |
| Net interest margin | 3.7006% | 4,339 |
| Noninterest income to average assets | 2.3826% | 298 |
| Noninterest expense to average assets | 4.0704% | 1,066 |
| Loan and lease loss provision to assets | 0.6078% | 2,704 |
| Net operating income to assets | 0.7189% | 3,152 |
| Return on assets (ROA) | 0.8155% | 2,865 |
| Pretax return on assets | 1.1511% | 2,392 |
| Return on Equity (ROE) | 6.3169% | 3,441 |
| Retained earnings to average equity (ytd only) | 2.6051% | 4,038 |
| Net charge-offs to loans | 0.6497% | 3,061 |
| Credit loss provision to net charge-offs | 127.5075% | 3,155 |
| Earnings coverage of net charge-offs (x) | 3.3892% | 3,386 |
| Efficiency ratio | 70.3184% | 4,111 |
| Assets per employee ($millions) | 3.8944% | 4,020 |
| Cash dividends to net income (ytd only)* | 58.7594% | 1,684 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3825% | 4,599 |
| Loan loss allowance to noncurrent loans | 66.1867% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 2.0373% | 3,303 |
| Noncurrent loans to loans | 2.0888% | 3,446 |
| Net loans and leases to total assets | 71.2402% | 2,251 |
| Net loans and leases to deposits | 92.8421% | 1,160 |
| Net loans and leases to core deposits | 109.6782% | 939 |
| Total domestic deposits to total assets | 76.7327% | 6,526 |
| Equity capital to assets | 12.7184% | 1,518 |
| Core capital (leverage) ratio | 10.5880% | 2,471 |
| Tier 1 risk-based capital ratio | 12.0600% | 5,417 |
| Total risk-based capital ratio | 13.6823% | 5,064 |
| Memoranda: |
| Average total assets | $3,712,404,000 | 211 |
| Average earning assets | $3,313,891,400 | 208 |
| Average equity | $479,287,000 | 190 |
| Average total loans | $2,723,788,200 | 190 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0905% | 4,369 |
| Cost of funding earning assets | 1.4673% | 3,164 |
| Net interest margin | 3.6232% | 4,760 |
| Noninterest income to average assets | 2.4921% | 281 |
| Noninterest expense to average assets | 4.1395% | 888 |
| Loan and lease loss provision to assets | 0.6257% | 2,430 |
| Net operating income to assets | 0.6830% | 3,501 |
| Return on assets (ROA) | 0.8147% | 3,082 |
| Pretax return on assets | 1.1598% | 2,638 |
| Return on Equity (ROE) | 6.2858% | 3,681 |
| Retained earnings to average equity (ytd only) | 2.5345% | 4,647 |
| Net charge-offs to loans | 0.7432% | 2,568 |
| Credit loss provision to net charge-offs | 114.2753% | 3,662 |
| Earnings coverage of net charge-offs (x) | 2.9059% | 3,677 |
| Efficiency ratio | 70.9335% | 3,893 |
| Assets per employee ($millions) | 3.7980% | 4,274 |
| Cash dividends to net income (ytd only)* | 59.6783% | 1,259 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2900% | 5,024 |
| Loan loss allowance to noncurrent loans | 80.7376% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6096% | 4,035 |
| Noncurrent loans to loans | 1.5977% | 4,248 |
| Net loans and leases to total assets | 75.1274% | 1,567 |
| Net loans and leases to deposits | 100.2689% | 644 |
| Net loans and leases to core deposits | 119.3928% | 634 |
| Total domestic deposits to total assets | 74.9260% | 6,809 |
| Equity capital to assets | 13.4053% | 1,389 |
| Core capital (leverage) ratio | 11.0054% | 2,259 |
| Tier 1 risk-based capital ratio | 12.7391% | 4,785 |
| Total risk-based capital ratio | 14.3328% | 4,490 |
| Memoranda: |
| Average total assets | $3,672,748,000 | 211 |
| Average earning assets | $3,282,693,250 | 208 |
| Average equity | $476,026,000 | 189 |
| Average total loans | $2,705,637,750 | 190 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0776% | 4,570 |
| Cost of funding earning assets | 1.5137% | 3,181 |
| Net interest margin | 3.5639% | 4,980 |
| Noninterest income to average assets | 2.4521% | 277 |
| Noninterest expense to average assets | 4.0643% | 969 |
| Loan and lease loss provision to assets | 0.5402% | 2,619 |
| Net operating income to assets | 0.7336% | 3,261 |
| Return on assets (ROA) | 0.8109% | 3,069 |
| Pretax return on assets | 1.1512% | 2,583 |
| Return on Equity (ROE) | 6.3286% | 3,633 |
| Retained earnings to average equity (ytd only) | 2.5702% | 4,510 |
| Net charge-offs to loans | 0.5843% | 2,780 |
| Credit loss provision to net charge-offs | 126.8975% | 3,173 |
| Earnings coverage of net charge-offs (x) | 3.6996% | 3,209 |
| Efficiency ratio | 70.6683% | 4,042 |
| Assets per employee ($millions) | 3.8245% | 4,171 |
| Cash dividends to net income (ytd only)* | 59.3882% | 1,336 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2997% | 4,921 |
| Loan loss allowance to noncurrent loans | 68.1810% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.5750% | 4,095 |
| Noncurrent loans to loans | 1.9062% | 3,858 |
| Net loans and leases to total assets | 73.0349% | 2,162 |
| Net loans and leases to deposits | 96.5107% | 1,001 |
| Net loans and leases to core deposits | 117.3508% | 791 |
| Total domestic deposits to total assets | 75.6755% | 6,755 |
| Equity capital to assets | 13.0744% | 1,539 |
| Core capital (leverage) ratio | 10.8587% | 2,359 |
| Tier 1 risk-based capital ratio | 12.8071% | 4,598 |
| Total risk-based capital ratio | 14.4258% | 4,260 |
| Memoranda: |
| Average total assets | $3,676,581,330 | 211 |
| Average earning assets | $3,287,964,670 | 209 |
| Average equity | $471,100,330 | 189 |
| Average total loans | $2,678,667,670 | 194 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0916% | 4,571 |
| Cost of funding earning assets | 1.5574% | 3,219 |
| Net interest margin | 3.5343% | 5,016 |
| Noninterest income to average assets | 2.2591% | 287 |
| Noninterest expense to average assets | 3.9449% | 1,110 |
| Loan and lease loss provision to assets | 0.2856% | 3,740 |
| Net operating income to assets | 0.8361% | 2,810 |
| Return on assets (ROA) | 0.8801% | 2,709 |
| Pretax return on assets | 1.2537% | 2,197 |
| Return on Equity (ROE) | 6.9411% | 3,373 |
| Retained earnings to average equity (ytd only) | 3.1515% | 4,257 |
| Net charge-offs to loans | 0.3057% | 3,193 |
| Credit loss provision to net charge-offs | 129.2804% | 2,736 |
| Earnings coverage of net charge-offs (x) | 6.6938% | 2,187 |
| Efficiency ratio | 71.2230% | 4,080 |
| Assets per employee ($millions) | 4.0600% | 3,733 |
| Cash dividends to net income (ytd only)* | 54.5964% | 1,371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3045% | 4,909 |
| Loan loss allowance to noncurrent loans | 74.2806% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.3043% | 4,584 |
| Noncurrent loans to loans | 1.7562% | 4,117 |
| Net loans and leases to total assets | 70.4877% | 2,802 |
| Net loans and leases to deposits | 96.6746% | 1,027 |
| Net loans and leases to core deposits | 116.7605% | 917 |
| Total domestic deposits to total assets | 72.9123% | 7,173 |
| Equity capital to assets | 12.6714% | 1,668 |
| Core capital (leverage) ratio | 10.5373% | 2,584 |
| Tier 1 risk-based capital ratio | 12.4406% | 4,803 |
| Total risk-based capital ratio | 15.2677% | 3,606 |
| Memoranda: |
| Average total assets | $3,648,500,000 | 218 |
| Average earning assets | $3,266,772,000 | 213 |
| Average equity | $462,633,000 | 190 |
| Average total loans | $2,636,949,500 | 204 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2496% | 5,415 |
| Cost of funding earning assets | 1.9795% | 3,059 |
| Net interest margin | 3.2702% | 5,857 |
| Noninterest income to average assets | 2.3259% | 306 |
| Noninterest expense to average assets | 4.0847% | 1,253 |
| Loan and lease loss provision to assets | 0.3766% | 4,528 |
| Net operating income to assets | 0.5536% | 3,512 |
| Return on assets (ROA) | 0.7818% | 2,688 |
| Pretax return on assets | 1.1220% | 2,182 |
| Return on Equity (ROE) | 6.1847% | 3,130 |
| Retained earnings to average equity (ytd only) | 2.1564% | 3,595 |
| Net charge-offs to loans | 0.2629% | 4,982 |
| Credit loss provision to net charge-offs | 195.2886% | 2,029 |
| Earnings coverage of net charge-offs (x) | 6.0810% | 2,441 |
| Efficiency ratio | 76.3117% | 3,476 |
| Assets per employee ($millions) | 4.1217% | 3,567 |
| Cash dividends to net income (ytd only)* | 65.1332% | 1,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2809% | 4,866 |
| Loan loss allowance to noncurrent loans | 77.0685% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.2717% | 4,544 |
| Noncurrent loans to loans | 1.6621% | 4,154 |
| Net loans and leases to total assets | 72.2134% | 2,700 |
| Net loans and leases to deposits | 101.0759% | 817 |
| Net loans and leases to core deposits | 122.2202% | 1,761 |
| Total domestic deposits to total assets | 71.4447% | 7,292 |
| Equity capital to assets | 12.6890% | 1,651 |
| Core capital (leverage) ratio | 10.4660% | 2,640 |
| Tier 1 risk-based capital ratio | 12.2343% | 4,737 |
| Total risk-based capital ratio | 15.0609% | 3,563 |
| Memoranda: |
| Average total assets | $3,422,852,000 | 228 |
| Average earning assets | $3,068,427,600 | 226 |
| Average equity | $432,667,200 | 200 |
| Average total loans | $2,510,884,800 | 213 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2448% | 5,707 |
| Cost of funding earning assets | 2.0653% | 3,049 |
| Net interest margin | 3.1795% | 6,087 |
| Noninterest income to average assets | 2.3948% | 284 |
| Noninterest expense to average assets | 4.1373% | 1,091 |
| Loan and lease loss provision to assets | 0.3223% | 4,408 |
| Net operating income to assets | 0.5568% | 3,763 |
| Return on assets (ROA) | 0.7916% | 2,911 |
| Pretax return on assets | 1.1175% | 2,512 |
| Return on Equity (ROE) | 6.2690% | 3,407 |
| Retained earnings to average equity (ytd only) | 2.1621% | 4,117 |
| Net charge-offs to loans | 0.3498% | 3,893 |
| Credit loss provision to net charge-offs | 125.5228% | 4,011 |
| Earnings coverage of net charge-offs (x) | 4.3230% | 3,178 |
| Efficiency ratio | 77.3870% | 3,261 |
| Assets per employee ($millions) | 3.9514% | 3,828 |
| Cash dividends to net income (ytd only)* | 65.5112% | 1,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1443% | 5,445 |
| Loan loss allowance to noncurrent loans | 100.2199% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 5,345 |
| Noncurrent loans to loans | 1.1418% | 5,038 |
| Net loans and leases to total assets | 70.4502% | 3,405 |
| Net loans and leases to deposits | 94.7537% | 1,755 |
| Net loans and leases to core deposits | 114.5198% | 2,776 |
| Total domestic deposits to total assets | 74.3509% | 6,888 |
| Equity capital to assets | 12.3446% | 2,035 |
| Core capital (leverage) ratio | 10.4824% | 2,807 |
| Tier 1 risk-based capital ratio | 11.8873% | 5,073 |
| Total risk-based capital ratio | 14.5485% | 3,936 |
| Memoranda: |
| Average total assets | $3,376,950,750 | 238 |
| Average earning assets | $3,029,838,500 | 236 |
| Average equity | $426,428,250 | 208 |
| Average total loans | $2,479,071,750 | 226 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2599% | 5,827 |
| Cost of funding earning assets | 2.1509% | 3,039 |
| Net interest margin | 3.1090% | 6,205 |
| Noninterest income to average assets | 2.3207% | 292 |
| Noninterest expense to average assets | 4.1747% | 1,098 |
| Loan and lease loss provision to assets | 0.2833% | 4,307 |
| Net operating income to assets | 0.4575% | 4,267 |
| Return on assets (ROA) | 0.7811% | 3,020 |
| Pretax return on assets | 1.0835% | 2,694 |
| Return on Equity (ROE) | 6.1359% | 3,584 |
| Retained earnings to average equity (ytd only) | 1.8774% | 4,297 |
| Net charge-offs to loans | 0.2590% | 3,894 |
| Credit loss provision to net charge-offs | 147.4379% | 3,135 |
| Earnings coverage of net charge-offs (x) | 4.8032% | 2,996 |
| Efficiency ratio | 80.2529% | 3,004 |
| Assets per employee ($millions) | 3.8718% | 3,940 |
| Cash dividends to net income (ytd only)* | 69.4021% | 1,382 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1449% | 5,299 |
| Loan loss allowance to noncurrent loans | 107.0080% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 5,350 |
| Noncurrent loans to loans | 1.0699% | 5,071 |
| Net loans and leases to total assets | 71.7279% | 3,294 |
| Net loans and leases to deposits | 96.1525% | 1,773 |
| Net loans and leases to core deposits | 117.5152% | 2,591 |
| Total domestic deposits to total assets | 74.5980% | 6,850 |
| Equity capital to assets | 12.1061% | 2,148 |
| Core capital (leverage) ratio | 10.5516% | 2,766 |
| Tier 1 risk-based capital ratio | 11.6078% | 5,280 |
| Total risk-based capital ratio | 13.9375% | 4,283 |
| Memoranda: |
| Average total assets | $3,310,600,670 | 249 |
| Average earning assets | $2,957,063,000 | 248 |
| Average equity | $421,423,000 | 213 |
| Average total loans | $2,455,941,330 | 239 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3328% | 5,738 |
| Cost of funding earning assets | 2.2690% | 2,843 |
| Net interest margin | 3.0638% | 6,297 |
| Noninterest income to average assets | 2.1366% | 322 |
| Noninterest expense to average assets | 4.0840% | 1,084 |
| Loan and lease loss provision to assets | 0.2447% | 4,021 |
| Net operating income to assets | 0.3673% | 4,986 |
| Return on assets (ROA) | 0.8202% | 3,195 |
| Pretax return on assets | 1.1517% | 2,793 |
| Return on Equity (ROE) | 6.2766% | 3,914 |
| Retained earnings to average equity (ytd only) | 1.7075% | 4,895 |
| Net charge-offs to loans | 0.1485% | 3,772 |
| Credit loss provision to net charge-offs | 219.6210% | 2,060 |
| Earnings coverage of net charge-offs (x) | 6.8852% | 2,424 |
| Efficiency ratio | 82.2889% | 2,497 |
| Assets per employee ($millions) | 4.0813% | 3,488 |
| Cash dividends to net income (ytd only)* | 72.7961% | 1,216 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1627% | 5,032 |
| Loan loss allowance to noncurrent loans | 187.6050% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 5,985 |
| Noncurrent loans to loans | 0.6198% | 5,850 |
| Net loans and leases to total assets | 73.4806% | 2,892 |
| Net loans and leases to deposits | 100.5734% | 1,332 |
| Net loans and leases to core deposits | 121.6140% | 2,283 |
| Total domestic deposits to total assets | 73.0616% | 7,038 |
| Equity capital to assets | 12.7595% | 1,852 |
| Core capital (leverage) ratio | 10.9501% | 2,542 |
| Tier 1 risk-based capital ratio | 12.1527% | 4,825 |
| Total risk-based capital ratio | 14.6071% | 3,870 |
| Memoranda: |
| Average total assets | $3,219,709,000 | 254 |
| Average earning assets | $2,852,760,500 | 253 |
| Average equity | $420,739,500 | 213 |
| Average total loans | $2,416,899,500 | 240 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1028% | 5,027 |
| Cost of funding earning assets | 2.5780% | 3,807 |
| Net interest margin | 3.5248% | 5,211 |
| Noninterest income to average assets | 1.9917% | 345 |
| Noninterest expense to average assets | 3.7906% | 1,771 |
| Loan and lease loss provision to assets | 0.2505% | 4,412 |
| Net operating income to assets | 0.7754% | 3,548 |
| Return on assets (ROA) | 0.8525% | 3,052 |
| Pretax return on assets | 1.1647% | 2,790 |
| Return on Equity (ROE) | 7.7637% | 3,168 |
| Retained earnings to average equity (ytd only) | 4.7452% | 2,186 |
| Net charge-offs to loans | 0.0402% | 6,223 |
| Credit loss provision to net charge-offs | 833.9667% | 525 |
| Earnings coverage of net charge-offs (x) | 43.5950% | 846 |
| Efficiency ratio | 72.8038% | 3,796 |
| Assets per employee ($millions) | 4.0538% | 3,403 |
| Cash dividends to net income (ytd only)* | 38.8801% | 3,690 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1575% | 4,865 |
| Loan loss allowance to noncurrent loans | 750.8327% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 6,978 |
| Noncurrent loans to loans | 0.1542% | 6,948 |
| Net loans and leases to total assets | 74.9485% | 2,888 |
| Net loans and leases to deposits | 104.5957% | 1,279 |
| Net loans and leases to core deposits | 128.9848% | 1,929 |
| Total domestic deposits to total assets | 71.6554% | 7,066 |
| Equity capital to assets | 13.3927% | 1,634 |
| Core capital (leverage) ratio | 11.5865% | 2,202 |
| Tier 1 risk-based capital ratio | 12.8665% | 4,179 |
| Total risk-based capital ratio | 15.4271% | 3,386 |
| Memoranda: |
| Average total assets | $2,802,923,600 | 270 |
| Average earning assets | $2,471,796,000 | 278 |
| Average equity | $307,765,600 | 263 |
| Average total loans | $2,096,932,200 | 263 |
