| 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 | 4.9770% | 2,118 |
| Cost of funding earning assets | 1.9699% | 960 |
| Net interest margin | 3.0071% | 3,267 |
| Noninterest income to average assets | 1.5400% | 379 |
| Noninterest expense to average assets | 2.7335% | 1,656 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 0.8958% | 2,561 |
| Return on assets (ROA) | 0.8729% | 2,598 |
| Pretax return on assets | 1.1129% | 2,376 |
| Return on Equity (ROE) | 9.7000% | 2,584 |
| Retained earnings to average equity (ytd only) | 1.9231% | 3,595 |
| Net charge-offs to loans | 0.4972% | 204 |
| Credit loss provision to net charge-offs | 119.8898% | 1,675 |
| Earnings coverage of net charge-offs (x) | 5.2186% | 2,537 |
| Efficiency ratio | 62.6282% | 2,767 |
| Assets per employee ($millions) | 8.9687% | 992 |
| Cash dividends to net income (ytd only)* | 80.1761% | 579 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9624% | 405 |
| Loan loss allowance to noncurrent loans | 177.4124% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 839 |
| Noncurrent loans to loans | 1.1061% | 660 |
| Net loans and leases to total assets | 56.6600% | 3,147 |
| Net loans and leases to deposits | 70.2608% | 2,878 |
| Net loans and leases to core deposits | 78.3279% | 2,813 |
| Total domestic deposits to total assets | 79.4900% | 3,543 |
| Equity capital to assets | 9.4561% | 2,378 |
| Core capital (leverage) ratio | 9.2343% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4358% | 1,407 |
| Memoranda: |
| Average total assets | $671,550,061,600 | 5 |
| Average earning assets | $596,614,192,600 | 5 |
| Average equity | $60,429,782,000 | 6 |
| Average total loans | $383,208,069,600 | 5 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8794% | 2,107 |
| Cost of funding earning assets | 1.8469% | 937 |
| Net interest margin | 3.0325% | 3,272 |
| Noninterest income to average assets | 1.5200% | 382 |
| Noninterest expense to average assets | 2.6184% | 1,883 |
| Loan and lease loss provision to assets | 0.3500% | 251 |
| Net operating income to assets | 0.9767% | 2,429 |
| Return on assets (ROA) | 0.9677% | 2,451 |
| Pretax return on assets | 1.2428% | 2,193 |
| Return on Equity (ROE) | 10.8900% | 2,404 |
| Retained earnings to average equity (ytd only) | 2.9077% | 3,530 |
| Net charge-offs to loans | 0.4994% | 173 |
| Credit loss provision to net charge-offs | 115.1200% | 1,519 |
| Earnings coverage of net charge-offs (x) | 5.6353% | 2,340 |
| Efficiency ratio | 59.8236% | 2,984 |
| Assets per employee ($millions) | 8.8677% | 977 |
| Cash dividends to net income (ytd only)* | 73.2916% | 583 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9118% | 468 |
| Loan loss allowance to noncurrent loans | 187.0907% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 996 |
| Noncurrent loans to loans | 1.0219% | 791 |
| Net loans and leases to total assets | 56.3500% | 3,171 |
| Net loans and leases to deposits | 69.8899% | 2,850 |
| Net loans and leases to core deposits | 77.8262% | 2,750 |
| Total domestic deposits to total assets | 79.4900% | 3,605 |
| Equity capital to assets | 9.0599% | 2,384 |
| Core capital (leverage) ratio | 9.0251% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1022% | 1,531 |
| Memoranda: |
| Average total assets | $676,772,951,000 | 5 |
| Average earning assets | $601,666,700,000 | 5 |
| Average equity | $60,155,570,500 | 6 |
| Average total loans | $385,001,035,500 | 5 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7146% | 2,180 |
| Cost of funding earning assets | 1.6483% | 971 |
| Net interest margin | 3.0663% | 3,289 |
| Noninterest income to average assets | 1.4900% | 328 |
| Noninterest expense to average assets | 2.6013% | 1,928 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | 0.9754% | 2,506 |
| Return on assets (ROA) | 0.9633% | 2,529 |
| Pretax return on assets | 1.2359% | 2,271 |
| Return on Equity (ROE) | 10.9000% | 2,444 |
| Retained earnings to average equity (ytd only) | 2.6213% | 3,572 |
| Net charge-offs to loans | 0.5276% | 156 |
| Credit loss provision to net charge-offs | 116.0075% | 1,343 |
| Earnings coverage of net charge-offs (x) | 5.4013% | 2,172 |
| Efficiency ratio | 59.4752% | 3,024 |
| Assets per employee ($millions) | 8.8063% | 965 |
| Cash dividends to net income (ytd only)* | 75.9620% | 631 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8765% | 519 |
| Loan loss allowance to noncurrent loans | 200.5607% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 1,014 |
| Noncurrent loans to loans | 0.9356% | 818 |
| Net loans and leases to total assets | 55.9200% | 3,126 |
| Net loans and leases to deposits | 70.0858% | 2,781 |
| Net loans and leases to core deposits | 78.4640% | 2,577 |
| Total domestic deposits to total assets | 78.6300% | 3,768 |
| Equity capital to assets | 9.0382% | 2,495 |
| Core capital (leverage) ratio | 8.8289% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6838% | 1,656 |
| Memoranda: |
| Average total assets | $683,302,722,667 | 5 |
| Average earning assets | $608,569,492,333 | 5 |
| Average equity | $60,360,682,000 | 6 |
| Average total loans | $387,478,017,667 | 5 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5647% | 2,159 |
| Cost of funding earning assets | 1.6385% | 646 |
| Net interest margin | 2.9262% | 3,747 |
| Noninterest income to average assets | 1.5900% | 308 |
| Noninterest expense to average assets | 2.5702% | 2,049 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.0879% | 2,268 |
| Return on assets (ROA) | 1.0348% | 2,389 |
| Pretax return on assets | 1.3081% | 2,151 |
| Return on Equity (ROE) | 13.5300% | 1,873 |
| Retained earnings to average equity (ytd only) | 4.6320% | 3,108 |
| Net charge-offs to loans | 0.2915% | 270 |
| Credit loss provision to net charge-offs | 143.6117% | 968 |
| Earnings coverage of net charge-offs (x) | 9.7842% | 1,678 |
| Efficiency ratio | 60.4606% | 2,899 |
| Assets per employee ($millions) | 8.4134% | 1,157 |
| Cash dividends to net income (ytd only)* | 65.7625% | 849 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8227% | 637 |
| Loan loss allowance to noncurrent loans | 183.3325% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 898 |
| Noncurrent loans to loans | 0.9942% | 729 |
| Net loans and leases to total assets | 56.1500% | 3,029 |
| Net loans and leases to deposits | 72.2153% | 2,454 |
| Net loans and leases to core deposits | 80.3954% | 2,229 |
| Total domestic deposits to total assets | 76.1600% | 4,152 |
| Equity capital to assets | 7.7630% | 3,402 |
| Core capital (leverage) ratio | 8.2100% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1614% | 2,323 |
| Memoranda: |
| Average total assets | $587,798,031,500 | 5 |
| Average earning assets | $525,288,677,500 | 5 |
| Average equity | $44,958,740,500 | 8 |
| Average total loans | $337,392,991,000 | 5 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3541% | 3,464 |
| Cost of funding earning assets | 0.5325% | 1,206 |
| Net interest margin | 2.8216% | 3,844 |
| Noninterest income to average assets | 1.5600% | 332 |
| Noninterest expense to average assets | 2.4534% | 2,262 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.1281% | 2,065 |
| Return on assets (ROA) | 1.1485% | 1,920 |
| Pretax return on assets | 1.4451% | 1,634 |
| Return on Equity (ROE) | 14.7200% | 1,334 |
| Retained earnings to average equity (ytd only) | 4.2252% | 3,321 |
| Net charge-offs to loans | 0.2658% | 297 |
| Credit loss provision to net charge-offs | 143.4985% | 1,331 |
| Earnings coverage of net charge-offs (x) | 10.7892% | 2,179 |
| Efficiency ratio | 59.1695% | 3,165 |
| Assets per employee ($millions) | 8.5323% | 1,075 |
| Cash dividends to net income (ytd only)* | 71.3001% | 623 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8122% | 643 |
| Loan loss allowance to noncurrent loans | 183.4316% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 877 |
| Noncurrent loans to loans | 0.9879% | 742 |
| Net loans and leases to total assets | 56.5600% | 2,966 |
| Net loans and leases to deposits | 71.1999% | 2,470 |
| Net loans and leases to core deposits | 79.4402% | 2,167 |
| Total domestic deposits to total assets | 77.4700% | 4,129 |
| Equity capital to assets | 7.5334% | 3,368 |
| Core capital (leverage) ratio | 8.0527% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9901% | 2,384 |
| Memoranda: |
| Average total assets | $580,059,559,400 | 5 |
| Average earning assets | $521,713,940,200 | 5 |
| Average equity | $45,252,222,600 | 8 |
| Average total loans | $332,357,317,600 | 5 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0390% | 3,813 |
| Cost of funding earning assets | 0.3245% | 1,920 |
| Net interest margin | 2.7145% | 3,899 |
| Noninterest income to average assets | 1.6300% | 331 |
| Noninterest expense to average assets | 2.4328% | 2,218 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.1466% | 1,905 |
| Return on assets (ROA) | 1.1615% | 1,825 |
| Pretax return on assets | 1.4833% | 1,462 |
| Return on Equity (ROE) | 14.7600% | 1,228 |
| Retained earnings to average equity (ytd only) | 3.0501% | 3,761 |
| Net charge-offs to loans | 0.1952% | 335 |
| Credit loss provision to net charge-offs | 160.5162% | 1,097 |
| Earnings coverage of net charge-offs (x) | 14.7406% | 1,857 |
| Efficiency ratio | 58.9117% | 3,261 |
| Assets per employee ($millions) | 8.6378% | 1,012 |
| Cash dividends to net income (ytd only)* | 79.3350% | 416 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7373% | 823 |
| Loan loss allowance to noncurrent loans | 208.7511% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 1,110 |
| Noncurrent loans to loans | 0.8322% | 946 |
| Net loans and leases to total assets | 57.5700% | 2,752 |
| Net loans and leases to deposits | 70.2910% | 2,335 |
| Net loans and leases to core deposits | 80.9367% | 1,837 |
| Total domestic deposits to total assets | 76.9300% | 4,322 |
| Equity capital to assets | 7.1162% | 3,449 |
| Core capital (leverage) ratio | 7.9904% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1672% | 2,763 |
| Memoranda: |
| Average total assets | $578,790,548,000 | 5 |
| Average earning assets | $521,784,194,750 | 5 |
| Average equity | $45,545,196,750 | 7 |
| Average total loans | $331,181,635,750 | 5 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7747% | 4,018 |
| Cost of funding earning assets | 0.1842% | 3,123 |
| Net interest margin | 2.5904% | 3,931 |
| Noninterest income to average assets | 1.6541% | 289 |
| Noninterest expense to average assets | 2.4446% | 2,099 |
| Loan and lease loss provision to assets | 0.1491% | 639 |
| Net operating income to assets | 1.0921% | 1,804 |
| Return on assets (ROA) | 1.1006% | 1,744 |
| Pretax return on assets | 1.4112% | 1,405 |
| Return on Equity (ROE) | 13.5420% | 1,227 |
| Retained earnings to average equity (ytd only) | -0.3758% | 4,223 |
| Net charge-offs to loans | 0.1981% | 326 |
| Credit loss provision to net charge-offs | 133.4419% | 1,144 |
| Earnings coverage of net charge-offs (x) | 13.7768% | 1,678 |
| Efficiency ratio | 60.4654% | 3,239 |
| Assets per employee ($millions) | 8.4059% | 1,108 |
| Cash dividends to net income (ytd only)* | 102.7748% | 352 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7341% | 905 |
| Loan loss allowance to noncurrent loans | 207.7700% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 1,168 |
| Noncurrent loans to loans | 0.8346% | 1,019 |
| Net loans and leases to total assets | 56.7589% | 2,671 |
| Net loans and leases to deposits | 69.2205% | 2,283 |
| Net loans and leases to core deposits | 77.8835% | 1,857 |
| Total domestic deposits to total assets | 78.1982% | 4,341 |
| Equity capital to assets | 7.3932% | 3,538 |
| Core capital (leverage) ratio | 7.8671% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2480% | 2,738 |
| Memoranda: |
| Average total assets | $574,650,433,000 | 5 |
| Average earning assets | $518,991,209,333 | 5 |
| Average equity | $46,702,932,333 | 7 |
| Average total loans | $326,123,654,667 | 5 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6304% | 4,069 |
| Cost of funding earning assets | 0.1303% | 3,769 |
| Net interest margin | 2.5000% | 3,907 |
| Noninterest income to average assets | 1.6064% | 323 |
| Noninterest expense to average assets | 2.3852% | 2,215 |
| Loan and lease loss provision to assets | 0.0797% | 1,032 |
| Net operating income to assets | 1.0855% | 1,563 |
| Return on assets (ROA) | 1.0945% | 1,538 |
| Pretax return on assets | 1.4163% | 1,209 |
| Return on Equity (ROE) | 12.8740% | 1,068 |
| Retained earnings to average equity (ytd only) | -7.7314% | 4,520 |
| Net charge-offs to loans | 0.2015% | 306 |
| Credit loss provision to net charge-offs | 62.6582% | 1,159 |
| Earnings coverage of net charge-offs (x) | 13.0973% | 1,402 |
| Efficiency ratio | 60.8023% | 3,399 |
| Assets per employee ($millions) | 8.3646% | 1,181 |
| Cash dividends to net income (ytd only)* | 160.0549% | 285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7576% | 951 |
| Loan loss allowance to noncurrent loans | 226.8235% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 1,391 |
| Noncurrent loans to loans | 0.7749% | 1,231 |
| Net loans and leases to total assets | 54.8169% | 2,653 |
| Net loans and leases to deposits | 66.9251% | 2,249 |
| Net loans and leases to core deposits | 74.1900% | 1,926 |
| Total domestic deposits to total assets | 78.9283% | 4,350 |
| Equity capital to assets | 7.8949% | 3,651 |
| Core capital (leverage) ratio | 7.8438% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4195% | 2,800 |
| Memoranda: |
| Average total assets | $570,849,271,000 | 5 |
| Average earning assets | $516,744,990,000 | 5 |
| Average equity | $48,530,938,500 | 7 |
| Average total loans | $321,029,155,500 | 5 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6907% | 4,320 |
| Cost of funding earning assets | 0.1414% | 4,053 |
| Net interest margin | 2.5493% | 4,124 |
| Noninterest income to average assets | 1.7646% | 375 |
| Noninterest expense to average assets | 2.4121% | 2,454 |
| Loan and lease loss provision to assets | -0.2103% | 4,714 |
| Net operating income to assets | 1.4583% | 1,114 |
| Return on assets (ROA) | 1.4688% | 1,145 |
| Pretax return on assets | 1.8814% | 761 |
| Return on Equity (ROE) | 15.6684% | 811 |
| Retained earnings to average equity (ytd only) | 2.1222% | 3,955 |
| Net charge-offs to loans | 0.2219% | 420 |
| Credit loss provision to net charge-offs | -133.2379% | 3,423 |
| Earnings coverage of net charge-offs (x) | 13.3959% | 2,078 |
| Efficiency ratio | 58.5739% | 3,353 |
| Assets per employee ($millions) | 8.3351% | 1,151 |
| Cash dividends to net income (ytd only)* | 86.4558% | 385 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7899% | 883 |
| Loan loss allowance to noncurrent loans | 207.3059% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 1,351 |
| Noncurrent loans to loans | 0.8634% | 1,179 |
| Net loans and leases to total assets | 55.6724% | 2,655 |
| Net loans and leases to deposits | 67.5063% | 2,355 |
| Net loans and leases to core deposits | 77.5965% | 1,792 |
| Total domestic deposits to total assets | 79.2612% | 4,288 |
| Equity capital to assets | 9.1226% | 3,489 |
| Core capital (leverage) ratio | 8.1882% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8639% | 2,681 |
| Memoranda: |
| Average total assets | $551,231,675,000 | 6 |
| Average earning assets | $498,238,647,000 | 6 |
| Average equity | $51,674,954,400 | 7 |
| Average total loans | $307,251,063,400 | 5 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7131% | 4,392 |
| Cost of funding earning assets | 0.1466% | 4,141 |
| Net interest margin | 2.5665% | 4,186 |
| Noninterest income to average assets | 1.7730% | 407 |
| Noninterest expense to average assets | 2.4062% | 2,420 |
| Loan and lease loss provision to assets | -0.2797% | 4,822 |
| Net operating income to assets | 1.5392% | 1,172 |
| Return on assets (ROA) | 1.5517% | 1,190 |
| Pretax return on assets | 1.9816% | 823 |
| Return on Equity (ROE) | 16.4390% | 858 |
| Retained earnings to average equity (ytd only) | 3.5512% | 3,730 |
| Net charge-offs to loans | 0.2412% | 340 |
| Credit loss provision to net charge-offs | -176.6081% | 3,354 |
| Earnings coverage of net charge-offs (x) | 12.5864% | 1,950 |
| Efficiency ratio | 58.1100% | 3,246 |
| Assets per employee ($millions) | 8.3081% | 1,126 |
| Cash dividends to net income (ytd only)* | 78.3975% | 421 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9066% | 759 |
| Loan loss allowance to noncurrent loans | 205.7775% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5091% | 1,498 |
| Noncurrent loans to loans | 0.9266% | 1,238 |
| Net loans and leases to total assets | 53.5202% | 3,024 |
| Net loans and leases to deposits | 66.2787% | 2,605 |
| Net loans and leases to core deposits | 74.8295% | 2,162 |
| Total domestic deposits to total assets | 77.4909% | 4,462 |
| Equity capital to assets | 9.3194% | 3,540 |
| Core capital (leverage) ratio | 8.5823% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5998% | 2,507 |
| Memoranda: |
| Average total assets | $548,000,942,750 | 5 |
| Average earning assets | $494,962,398,500 | 5 |
| Average equity | $51,727,325,000 | 6 |
| Average total loans | $304,113,128,000 | 5 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7190% | 4,435 |
| Cost of funding earning assets | 0.1526% | 4,186 |
| Net interest margin | 2.5664% | 4,221 |
| Noninterest income to average assets | 1.7315% | 418 |
| Noninterest expense to average assets | 2.4084% | 2,435 |
| Loan and lease loss provision to assets | -0.3634% | 4,868 |
| Net operating income to assets | 1.5658% | 1,130 |
| Return on assets (ROA) | 1.5812% | 1,147 |
| Pretax return on assets | 2.0219% | 803 |
| Return on Equity (ROE) | 16.6787% | 829 |
| Retained earnings to average equity (ytd only) | 3.1319% | 3,803 |
| Net charge-offs to loans | 0.2651% | 332 |
| Credit loss provision to net charge-offs | -219.5358% | 3,236 |
| Earnings coverage of net charge-offs (x) | 11.0691% | 1,778 |
| Efficiency ratio | 58.8101% | 3,173 |
| Assets per employee ($millions) | 8.2509% | 1,100 |
| Cash dividends to net income (ytd only)* | 81.2219% | 471 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9903% | 613 |
| Loan loss allowance to noncurrent loans | 195.2136% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 1,467 |
| Noncurrent loans to loans | 1.0195% | 1,204 |
| Net loans and leases to total assets | 54.1645% | 3,112 |
| Net loans and leases to deposits | 66.9993% | 2,719 |
| Net loans and leases to core deposits | 76.2618% | 2,215 |
| Total domestic deposits to total assets | 77.1690% | 4,505 |
| Equity capital to assets | 9.4747% | 3,357 |
| Core capital (leverage) ratio | 8.5079% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6694% | 2,484 |
| Memoranda: |
| Average total assets | $545,064,374,667 | 5 |
| Average earning assets | $491,636,490,333 | 5 |
| Average equity | $51,672,719,333 | 6 |
| Average total loans | $304,218,065,333 | 5 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7112% | 4,463 |
| Cost of funding earning assets | 0.1619% | 4,226 |
| Net interest margin | 2.5493% | 4,235 |
| Noninterest income to average assets | 1.6499% | 518 |
| Noninterest expense to average assets | 2.4113% | 2,463 |
| Loan and lease loss provision to assets | -0.6073% | 4,937 |
| Net operating income to assets | 1.6863% | 967 |
| Return on assets (ROA) | 1.6962% | 990 |
| Pretax return on assets | 2.1573% | 737 |
| Return on Equity (ROE) | 17.8874% | 744 |
| Retained earnings to average equity (ytd only) | 2.3701% | 3,936 |
| Net charge-offs to loans | 0.2924% | 285 |
| Credit loss provision to net charge-offs | -335.5631% | 3,078 |
| Earnings coverage of net charge-offs (x) | 9.3657% | 1,543 |
| Efficiency ratio | 60.3698% | 2,987 |
| Assets per employee ($millions) | 8.1077% | 1,151 |
| Cash dividends to net income (ytd only)* | 86.7498% | 523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0906% | 510 |
| Loan loss allowance to noncurrent loans | 193.5015% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 1,556 |
| Noncurrent loans to loans | 1.0804% | 1,238 |
| Net loans and leases to total assets | 54.7537% | 3,166 |
| Net loans and leases to deposits | 66.8157% | 2,830 |
| Net loans and leases to core deposits | 75.9735% | 2,358 |
| Total domestic deposits to total assets | 78.3970% | 4,394 |
| Equity capital to assets | 9.3117% | 3,375 |
| Core capital (leverage) ratio | 8.4628% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6692% | 2,414 |
| Memoranda: |
| Average total assets | $543,670,221,500 | 5 |
| Average earning assets | $489,993,061,500 | 5 |
| Average equity | $51,555,397,500 | 6 |
| Average total loans | $304,943,225,500 | 5 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1109% | 4,559 |
| Cost of funding earning assets | 0.3575% | 3,832 |
| Net interest margin | 2.7534% | 4,319 |
| Noninterest income to average assets | 1.8182% | 388 |
| Noninterest expense to average assets | 2.5211% | 2,782 |
| Loan and lease loss provision to assets | 0.6716% | 254 |
| Net operating income to assets | 0.9005% | 2,694 |
| Return on assets (ROA) | 0.9428% | 2,660 |
| Pretax return on assets | 1.1605% | 2,475 |
| Return on Equity (ROE) | 9.7160% | 2,112 |
| Retained earnings to average equity (ytd only) | 6.7781% | 1,468 |
| Net charge-offs to loans | 0.5710% | 261 |
| Credit loss provision to net charge-offs | 197.2398% | 2,176 |
| Earnings coverage of net charge-offs (x) | 5.2386% | 2,881 |
| Efficiency ratio | 57.7130% | 3,769 |
| Assets per employee ($millions) | 8.1395% | 988 |
| Cash dividends to net income (ytd only)* | 30.2381% | 2,826 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3866% | 305 |
| Loan loss allowance to noncurrent loans | 206.9968% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 1,591 |
| Noncurrent loans to loans | 1.1530% | 1,232 |
| Net loans and leases to total assets | 54.9133% | 3,399 |
| Net loans and leases to deposits | 67.5541% | 3,128 |
| Net loans and leases to core deposits | 77.4614% | 2,600 |
| Total domestic deposits to total assets | 77.1330% | 4,398 |
| Equity capital to assets | 9.6533% | 3,453 |
| Core capital (leverage) ratio | 8.4218% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6728% | 2,377 |
| Memoranda: |
| Average total assets | $526,139,107,000 | 5 |
| Average earning assets | $474,175,365,800 | 5 |
| Average equity | $51,056,221,200 | 6 |
| Average total loans | $312,838,339,800 | 5 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2028% | 4,587 |
| Cost of funding earning assets | 0.4173% | 3,720 |
| Net interest margin | 2.7855% | 4,358 |
| Noninterest income to average assets | 1.8223% | 365 |
| Noninterest expense to average assets | 2.5230% | 2,767 |
| Loan and lease loss provision to assets | 0.8138% | 217 |
| Net operating income to assets | 0.8180% | 3,027 |
| Return on assets (ROA) | 0.8702% | 2,954 |
| Pretax return on assets | 1.0611% | 2,875 |
| Return on Equity (ROE) | 8.9551% | 2,412 |
| Retained earnings to average equity (ytd only) | 7.6395% | 1,444 |
| Net charge-offs to loans | 0.5704% | 260 |
| Credit loss provision to net charge-offs | 236.0356% | 1,976 |
| Earnings coverage of net charge-offs (x) | 5.2630% | 2,749 |
| Efficiency ratio | 57.2726% | 3,763 |
| Assets per employee ($millions) | 7.8205% | 1,068 |
| Cash dividends to net income (ytd only)* | 14.6910% | 2,987 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3543% | 281 |
| Loan loss allowance to noncurrent loans | 229.7957% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 1,876 |
| Noncurrent loans to loans | 1.0245% | 1,461 |
| Net loans and leases to total assets | 57.9074% | 3,427 |
| Net loans and leases to deposits | 71.9824% | 3,133 |
| Net loans and leases to core deposits | 83.3848% | 2,537 |
| Total domestic deposits to total assets | 75.7030% | 4,449 |
| Equity capital to assets | 9.8602% | 3,366 |
| Core capital (leverage) ratio | 8.5244% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4375% | 2,443 |
| Memoranda: |
| Average total assets | $521,480,343,750 | 5 |
| Average earning assets | $470,054,864,750 | 5 |
| Average equity | $50,673,098,000 | 6 |
| Average total loans | $314,430,956,750 | 5 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3127% | 4,633 |
| Cost of funding earning assets | 0.5162% | 3,435 |
| Net interest margin | 2.7965% | 4,456 |
| Noninterest income to average assets | 1.8018% | 340 |
| Noninterest expense to average assets | 2.5119% | 2,930 |
| Loan and lease loss provision to assets | 1.0195% | 200 |
| Net operating income to assets | 0.6536% | 3,570 |
| Return on assets (ROA) | 0.6893% | 3,528 |
| Pretax return on assets | 0.8346% | 3,493 |
| Return on Equity (ROE) | 7.1296% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.1296% | 1,607 |
| Net charge-offs to loans | 0.5281% | 301 |
| Credit loss provision to net charge-offs | 317.6594% | 1,572 |
| Earnings coverage of net charge-offs (x) | 5.6524% | 2,497 |
| Efficiency ratio | 57.0727% | 3,804 |
| Assets per employee ($millions) | 7.7025% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3181% | 279 |
| Loan loss allowance to noncurrent loans | 224.2424% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 1,931 |
| Noncurrent loans to loans | 1.0337% | 1,506 |
| Net loans and leases to total assets | 58.0150% | 3,516 |
| Net loans and leases to deposits | 73.1588% | 3,151 |
| Net loans and leases to core deposits | 85.7182% | 2,458 |
| Total domestic deposits to total assets | 74.2978% | 4,570 |
| Equity capital to assets | 9.5796% | 3,582 |
| Core capital (leverage) ratio | 8.1791% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0521% | 2,588 |
| Memoranda: |
| Average total assets | $518,474,885,667 | 5 |
| Average earning assets | $467,191,108,000 | 5 |
| Average equity | $50,128,106,333 | 6 |
| Average total loans | $314,373,503,333 | 5 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5654% | 4,566 |
| Cost of funding earning assets | 0.7110% | 2,886 |
| Net interest margin | 2.8544% | 4,499 |
| Noninterest income to average assets | 1.8184% | 299 |
| Noninterest expense to average assets | 2.4984% | 3,270 |
| Loan and lease loss provision to assets | 0.8115% | 304 |
| Net operating income to assets | 0.8574% | 2,671 |
| Return on assets (ROA) | 0.8818% | 2,679 |
| Pretax return on assets | 1.1089% | 2,489 |
| Return on Equity (ROE) | 9.0770% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.0770% | 958 |
| Net charge-offs to loans | 0.5034% | 286 |
| Credit loss provision to net charge-offs | 262.7134% | 1,260 |
| Earnings coverage of net charge-offs (x) | 6.1193% | 2,006 |
| Efficiency ratio | 55.7716% | 4,230 |
| Assets per employee ($millions) | 7.7431% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9249% | 579 |
| Loan loss allowance to noncurrent loans | 205.4611% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 2,245 |
| Noncurrent loans to loans | 0.9369% | 1,759 |
| Net loans and leases to total assets | 59.4062% | 3,556 |
| Net loans and leases to deposits | 78.0418% | 2,884 |
| Net loans and leases to core deposits | 93.1769% | 2,047 |
| Total domestic deposits to total assets | 70.7361% | 4,830 |
| Equity capital to assets | 9.4570% | 4,260 |
| Core capital (leverage) ratio | 8.8103% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6370% | 2,872 |
| Memoranda: |
| Average total assets | $509,566,655,500 | 5 |
| Average earning assets | $458,452,424,500 | 5 |
| Average equity | $49,504,949,000 | 6 |
| Average total loans | $312,303,863,000 | 5 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1060% | 4,025 |
| Cost of funding earning assets | 0.9715% | 1,852 |
| Net interest margin | 3.1345% | 4,316 |
| Noninterest income to average assets | 1.9948% | 261 |
| Noninterest expense to average assets | 2.6469% | 3,038 |
| Loan and lease loss provision to assets | 0.3175% | 505 |
| Net operating income to assets | 1.4714% | 1,124 |
| Return on assets (ROA) | 1.4758% | 1,170 |
| Pretax return on assets | 1.8442% | 847 |
| Return on Equity (ROE) | 14.3376% | 835 |
| Retained earnings to average equity (ytd only) | -0.2555% | 4,739 |
| Net charge-offs to loans | 0.4926% | 381 |
| Credit loss provision to net charge-offs | 103.2030% | 2,406 |
| Earnings coverage of net charge-offs (x) | 7.0031% | 2,915 |
| Efficiency ratio | 53.9614% | 4,426 |
| Assets per employee ($millions) | 7.1079% | 1,002 |
| Cash dividends to net income (ytd only)* | 101.7818% | 275 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3324% | 1,784 |
| Loan loss allowance to noncurrent loans | 134.1800% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 1,986 |
| Noncurrent loans to loans | 0.9930% | 1,533 |
| Net loans and leases to total assets | 61.2465% | 3,473 |
| Net loans and leases to deposits | 79.5237% | 2,831 |
| Net loans and leases to core deposits | 96.3881% | 1,869 |
| Total domestic deposits to total assets | 71.3935% | 4,885 |
| Equity capital to assets | 9.9982% | 3,920 |
| Core capital (leverage) ratio | 8.3903% | 4,903 |
| Tier 1 risk-based capital ratio | 10.2040% | 5,091 |
| Total risk-based capital ratio | 12.2521% | 4,763 |
| Memoranda: |
| Average total assets | $472,666,953,600 | 5 |
| Average earning assets | $423,160,951,400 | 5 |
| Average equity | $48,653,356,200 | 5 |
| Average total loans | $295,130,954,200 | 5 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1765% | 3,976 |
| Cost of funding earning assets | 1.0008% | 1,759 |
| Net interest margin | 3.1757% | 4,356 |
| Noninterest income to average assets | 2.0140% | 265 |
| Noninterest expense to average assets | 2.6079% | 3,146 |
| Loan and lease loss provision to assets | 0.3135% | 461 |
| Net operating income to assets | 1.5407% | 1,087 |
| Return on assets (ROA) | 1.5433% | 1,133 |
| Pretax return on assets | 1.9386% | 792 |
| Return on Equity (ROE) | 14.8829% | 798 |
| Retained earnings to average equity (ytd only) | 2.0070% | 4,265 |
| Net charge-offs to loans | 0.4857% | 350 |
| Credit loss provision to net charge-offs | 103.2195% | 2,189 |
| Earnings coverage of net charge-offs (x) | 7.3972% | 2,745 |
| Efficiency ratio | 52.5635% | 4,553 |
| Assets per employee ($millions) | 6.8418% | 1,096 |
| Cash dividends to net income (ytd only)* | 86.5144% | 500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3398% | 1,801 |
| Loan loss allowance to noncurrent loans | 130.1603% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 2,016 |
| Noncurrent loans to loans | 1.0294% | 1,561 |
| Net loans and leases to total assets | 61.8112% | 3,510 |
| Net loans and leases to deposits | 79.2337% | 2,983 |
| Net loans and leases to core deposits | 94.3161% | 2,153 |
| Total domestic deposits to total assets | 73.4868% | 4,837 |
| Equity capital to assets | 10.3963% | 3,642 |
| Core capital (leverage) ratio | 8.6907% | 4,848 |
| Tier 1 risk-based capital ratio | 10.4986% | 5,078 |
| Total risk-based capital ratio | 12.5484% | 4,666 |
| Memoranda: |
| Average total assets | $469,332,637,000 | 5 |
| Average earning assets | $419,824,485,500 | 5 |
| Average equity | $48,668,726,250 | 5 |
| Average total loans | $293,493,679,250 | 5 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1944% | 3,941 |
| Cost of funding earning assets | 0.9965% | 1,710 |
| Net interest margin | 3.1979% | 4,372 |
| Noninterest income to average assets | 1.9683% | 274 |
| Noninterest expense to average assets | 2.6067% | 3,185 |
| Loan and lease loss provision to assets | 0.3271% | 406 |
| Net operating income to assets | 1.5098% | 1,122 |
| Return on assets (ROA) | 1.5089% | 1,176 |
| Pretax return on assets | 1.8933% | 849 |
| Return on Equity (ROE) | 14.5637% | 858 |
| Retained earnings to average equity (ytd only) | 1.3263% | 4,342 |
| Net charge-offs to loans | 0.4917% | 318 |
| Credit loss provision to net charge-offs | 106.4490% | 1,881 |
| Earnings coverage of net charge-offs (x) | 7.2222% | 2,505 |
| Efficiency ratio | 52.8497% | 4,577 |
| Assets per employee ($millions) | 6.6857% | 1,141 |
| Cash dividends to net income (ytd only)* | 90.8928% | 592 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3589% | 1,777 |
| Loan loss allowance to noncurrent loans | 126.3612% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 1,967 |
| Noncurrent loans to loans | 1.0754% | 1,522 |
| Net loans and leases to total assets | 61.6627% | 3,583 |
| Net loans and leases to deposits | 80.0342% | 2,948 |
| Net loans and leases to core deposits | 96.7281% | 2,002 |
| Total domestic deposits to total assets | 72.4213% | 4,948 |
| Equity capital to assets | 10.3638% | 3,638 |
| Core capital (leverage) ratio | 8.7255% | 4,820 |
| Tier 1 risk-based capital ratio | 10.3792% | 5,144 |
| Total risk-based capital ratio | 12.3800% | 4,761 |
| Memoranda: |
| Average total assets | $466,645,647,670 | 5 |
| Average earning assets | $417,017,440,330 | 5 |
| Average equity | $48,347,917,670 | 5 |
| Average total loans | $291,628,213,000 | 5 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1770% | 3,936 |
| Cost of funding earning assets | 0.9835% | 1,640 |
| Net interest margin | 3.1935% | 4,399 |
| Noninterest income to average assets | 1.9129% | 264 |
| Noninterest expense to average assets | 2.6033% | 3,210 |
| Loan and lease loss provision to assets | 0.3315% | 373 |
| Net operating income to assets | 1.4719% | 1,173 |
| Return on assets (ROA) | 1.4665% | 1,220 |
| Pretax return on assets | 1.8276% | 927 |
| Return on Equity (ROE) | 14.1568% | 934 |
| Retained earnings to average equity (ytd only) | -0.0086% | 4,534 |
| Net charge-offs to loans | 0.5070% | 296 |
| Credit loss provision to net charge-offs | 104.6381% | 1,535 |
| Earnings coverage of net charge-offs (x) | 6.8302% | 2,171 |
| Efficiency ratio | 53.4336% | 4,585 |
| Assets per employee ($millions) | 6.5615% | 1,208 |
| Cash dividends to net income (ytd only)* | 100.0608% | 618 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3742% | 1,771 |
| Loan loss allowance to noncurrent loans | 127.7954% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 2,025 |
| Noncurrent loans to loans | 1.0753% | 1,549 |
| Net loans and leases to total assets | 61.2751% | 3,571 |
| Net loans and leases to deposits | 79.7300% | 2,871 |
| Net loans and leases to core deposits | 100.0845% | 1,615 |
| Total domestic deposits to total assets | 71.0470% | 5,077 |
| Equity capital to assets | 10.3313% | 3,494 |
| Core capital (leverage) ratio | 8.6921% | 4,877 |
| Tier 1 risk-based capital ratio | 10.2850% | 5,226 |
| Total risk-based capital ratio | 12.3077% | 4,852 |
| Memoranda: |
| Average total assets | $463,399,387,000 | 5 |
| Average earning assets | $414,135,509,500 | 5 |
| Average equity | $48,004,388,500 | 5 |
| Average total loans | $289,557,813,000 | 5 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9552% | 4,153 |
| Cost of funding earning assets | 0.7154% | 1,992 |
| Net interest margin | 3.2398% | 4,408 |
| Noninterest income to average assets | 2.0396% | 259 |
| Noninterest expense to average assets | 2.6756% | 3,106 |
| Loan and lease loss provision to assets | 0.3080% | 525 |
| Net operating income to assets | 1.5793% | 928 |
| Return on assets (ROA) | 1.5774% | 921 |
| Pretax return on assets | 1.9459% | 635 |
| Return on Equity (ROE) | 15.2909% | 769 |
| Retained earnings to average equity (ytd only) | 4.0084% | 3,367 |
| Net charge-offs to loans | 0.4756% | 384 |
| Credit loss provision to net charge-offs | 103.6123% | 2,450 |
| Earnings coverage of net charge-offs (x) | 7.5846% | 2,979 |
| Efficiency ratio | 53.1154% | 4,708 |
| Assets per employee ($millions) | 6.3715% | 1,283 |
| Cash dividends to net income (ytd only)* | 73.7855% | 921 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3757% | 1,733 |
| Loan loss allowance to noncurrent loans | 129.1578% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 1,993 |
| Noncurrent loans to loans | 1.0652% | 1,531 |
| Net loans and leases to total assets | 61.9838% | 3,569 |
| Net loans and leases to deposits | 79.9336% | 2,963 |
| Net loans and leases to core deposits | 99.9736% | 1,719 |
| Total domestic deposits to total assets | 71.3474% | 5,108 |
| Equity capital to assets | 10.3875% | 3,297 |
| Core capital (leverage) ratio | 8.6249% | 4,942 |
| Tier 1 risk-based capital ratio | 10.2462% | 5,254 |
| Total risk-based capital ratio | 12.2789% | 4,856 |
| Memoranda: |
| Average total assets | $455,358,448,800 | 5 |
| Average earning assets | $406,245,868,400 | 5 |
| Average equity | $46,975,458,600 | 5 |
| Average total loans | $284,596,156,600 | 5 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8812% | 4,253 |
| Cost of funding earning assets | 0.6548% | 2,124 |
| Net interest margin | 3.2264% | 4,464 |
| Noninterest income to average assets | 2.0133% | 273 |
| Noninterest expense to average assets | 2.6320% | 3,195 |
| Loan and lease loss provision to assets | 0.3025% | 484 |
| Net operating income to assets | 1.5531% | 1,059 |
| Return on assets (ROA) | 1.5513% | 1,062 |
| Pretax return on assets | 1.9547% | 717 |
| Return on Equity (ROE) | 15.0641% | 860 |
| Retained earnings to average equity (ytd only) | 4.2352% | 3,655 |
| Net charge-offs to loans | 0.4706% | 336 |
| Credit loss provision to net charge-offs | 103.0000% | 2,213 |
| Earnings coverage of net charge-offs (x) | 7.6866% | 2,782 |
| Efficiency ratio | 52.6686% | 4,738 |
| Assets per employee ($millions) | 6.2731% | 1,299 |
| Cash dividends to net income (ytd only)* | 71.8855% | 796 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3846% | 1,759 |
| Loan loss allowance to noncurrent loans | 125.5253% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 2,058 |
| Noncurrent loans to loans | 1.1031% | 1,541 |
| Net loans and leases to total assets | 61.7645% | 3,681 |
| Net loans and leases to deposits | 82.1369% | 2,803 |
| Net loans and leases to core deposits | 100.7053% | 1,724 |
| Total domestic deposits to total assets | 68.8692% | 5,263 |
| Equity capital to assets | 10.3239% | 3,305 |
| Core capital (leverage) ratio | 8.5224% | 5,085 |
| Tier 1 risk-based capital ratio | 10.1184% | 5,358 |
| Total risk-based capital ratio | 12.2120% | 4,955 |
| Memoranda: |
| Average total assets | $454,328,910,000 | 5 |
| Average earning assets | $405,014,163,000 | 5 |
| Average equity | $46,787,239,000 | 5 |
| Average total loans | $283,551,765,500 | 5 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8048% | 4,339 |
| Cost of funding earning assets | 0.5979% | 2,237 |
| Net interest margin | 3.2070% | 4,483 |
| Noninterest income to average assets | 1.9914% | 278 |
| Noninterest expense to average assets | 2.6513% | 3,158 |
| Loan and lease loss provision to assets | 0.2948% | 471 |
| Net operating income to assets | 1.5252% | 1,089 |
| Return on assets (ROA) | 1.5230% | 1,098 |
| Pretax return on assets | 1.9016% | 769 |
| Return on Equity (ROE) | 14.8014% | 892 |
| Retained earnings to average equity (ytd only) | 4.9492% | 3,102 |
| Net charge-offs to loans | 0.4761% | 321 |
| Credit loss provision to net charge-offs | 99.3275% | 2,076 |
| Earnings coverage of net charge-offs (x) | 7.4037% | 2,549 |
| Efficiency ratio | 53.5175% | 4,741 |
| Assets per employee ($millions) | 6.2582% | 1,292 |
| Cash dividends to net income (ytd only)* | 66.5625% | 1,096 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3852% | 1,804 |
| Loan loss allowance to noncurrent loans | 117.4924% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 1,949 |
| Noncurrent loans to loans | 1.1790% | 1,471 |
| Net loans and leases to total assets | 61.6008% | 3,652 |
| Net loans and leases to deposits | 79.5168% | 2,998 |
| Net loans and leases to core deposits | 96.7664% | 1,987 |
| Total domestic deposits to total assets | 70.8469% | 5,240 |
| Equity capital to assets | 10.3740% | 3,247 |
| Core capital (leverage) ratio | 8.5796% | 5,058 |
| Tier 1 risk-based capital ratio | 10.2040% | 5,370 |
| Total risk-based capital ratio | 12.3072% | 4,918 |
| Memoranda: |
| Average total assets | $453,768,203,000 | 5 |
| Average earning assets | $404,259,885,670 | 5 |
| Average equity | $46,690,262,670 | 5 |
| Average total loans | $282,866,428,670 | 5 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7270% | 4,412 |
| Cost of funding earning assets | 0.5402% | 2,476 |
| Net interest margin | 3.1868% | 4,513 |
| Noninterest income to average assets | 1.9266% | 284 |
| Noninterest expense to average assets | 2.6430% | 3,210 |
| Loan and lease loss provision to assets | 0.2941% | 445 |
| Net operating income to assets | 1.5005% | 1,078 |
| Return on assets (ROA) | 1.4971% | 1,092 |
| Pretax return on assets | 1.8229% | 870 |
| Return on Equity (ROE) | 14.6093% | 874 |
| Retained earnings to average equity (ytd only) | 3.4354% | 3,832 |
| Net charge-offs to loans | 0.4825% | 317 |
| Credit loss provision to net charge-offs | 97.8668% | 1,615 |
| Earnings coverage of net charge-offs (x) | 7.0542% | 2,120 |
| Efficiency ratio | 54.3173% | 4,766 |
| Assets per employee ($millions) | 6.3047% | 1,309 |
| Cash dividends to net income (ytd only)* | 76.4848% | 894 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3882% | 1,887 |
| Loan loss allowance to noncurrent loans | 105.1949% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8569% | 1,844 |
| Noncurrent loans to loans | 1.3197% | 1,349 |
| Net loans and leases to total assets | 61.5290% | 3,606 |
| Net loans and leases to deposits | 78.3719% | 2,978 |
| Net loans and leases to core deposits | 96.5432% | 1,939 |
| Total domestic deposits to total assets | 71.3348% | 5,318 |
| Equity capital to assets | 10.2500% | 3,334 |
| Core capital (leverage) ratio | 8.4114% | 5,196 |
| Tier 1 risk-based capital ratio | 10.0867% | 5,482 |
| Total risk-based capital ratio | 12.2069% | 5,056 |
| Memoranda: |
| Average total assets | $454,140,782,000 | 5 |
| Average earning assets | $404,150,162,000 | 5 |
| Average equity | $46,537,122,000 | 5 |
| Average total loans | $282,806,639,000 | 5 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5177% | 4,762 |
| Cost of funding earning assets | 0.4133% | 3,121 |
| Net interest margin | 3.1044% | 4,685 |
| Noninterest income to average assets | 2.0583% | 288 |
| Noninterest expense to average assets | 2.8094% | 2,737 |
| Loan and lease loss provision to assets | 0.3204% | 528 |
| Net operating income to assets | 1.3415% | 1,137 |
| Return on assets (ROA) | 1.3424% | 1,159 |
| Pretax return on assets | 1.7051% | 993 |
| Return on Equity (ROE) | 13.1309% | 922 |
| Retained earnings to average equity (ytd only) | 2.6930% | 3,702 |
| Net charge-offs to loans | 0.4754% | 499 |
| Credit loss provision to net charge-offs | 108.4157% | 2,401 |
| Earnings coverage of net charge-offs (x) | 6.8421% | 3,129 |
| Efficiency ratio | 56.8934% | 4,670 |
| Assets per employee ($millions) | 6.4067% | 1,260 |
| Cash dividends to net income (ytd only)* | 79.4911% | 857 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3848% | 1,822 |
| Loan loss allowance to noncurrent loans | 106.0797% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 1,833 |
| Noncurrent loans to loans | 1.3054% | 1,330 |
| Net loans and leases to total assets | 61.2910% | 3,702 |
| Net loans and leases to deposits | 78.2482% | 3,090 |
| Net loans and leases to core deposits | 95.9770% | 2,022 |
| Total domestic deposits to total assets | 71.7168% | 5,339 |
| Equity capital to assets | 10.2446% | 3,443 |
| Core capital (leverage) ratio | 8.5735% | 5,069 |
| Tier 1 risk-based capital ratio | 10.4154% | 5,399 |
| Total risk-based capital ratio | 12.5607% | 4,848 |
| Memoranda: |
| Average total assets | $449,836,612,400 | 5 |
| Average earning assets | $401,857,529,400 | 5 |
| Average equity | $45,986,433,800 | 5 |
| Average total loans | $279,672,105,200 | 5 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4748% | 4,851 |
| Cost of funding earning assets | 0.3937% | 3,261 |
| Net interest margin | 3.0810% | 4,753 |
| Noninterest income to average assets | 2.0560% | 297 |
| Noninterest expense to average assets | 2.6149% | 3,363 |
| Loan and lease loss provision to assets | 0.3268% | 465 |
| Net operating income to assets | 1.2488% | 1,514 |
| Return on assets (ROA) | 1.2495% | 1,537 |
| Pretax return on assets | 1.8779% | 727 |
| Return on Equity (ROE) | 12.2287% | 1,265 |
| Retained earnings to average equity (ytd only) | 0.5851% | 5,091 |
| Net charge-offs to loans | 0.4806% | 428 |
| Credit loss provision to net charge-offs | 109.3688% | 2,148 |
| Earnings coverage of net charge-offs (x) | 7.3582% | 2,883 |
| Efficiency ratio | 53.0625% | 5,005 |
| Assets per employee ($millions) | 6.4194% | 1,235 |
| Cash dividends to net income (ytd only)* | 95.2154% | 367 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3864% | 1,949 |
| Loan loss allowance to noncurrent loans | 108.9688% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 2,053 |
| Noncurrent loans to loans | 1.2723% | 1,508 |
| Net loans and leases to total assets | 61.4599% | 3,722 |
| Net loans and leases to deposits | 78.5369% | 3,115 |
| Net loans and leases to core deposits | 97.8958% | 1,895 |
| Total domestic deposits to total assets | 71.2770% | 5,426 |
| Equity capital to assets | 10.1383% | 3,758 |
| Core capital (leverage) ratio | 8.5682% | 5,193 |
| Tier 1 risk-based capital ratio | 10.4058% | 5,484 |
| Total risk-based capital ratio | 12.5724% | 4,946 |
| Memoranda: |
| Average total assets | $448,289,308,250 | 5 |
| Average earning assets | $401,208,641,000 | 5 |
| Average equity | $45,803,545,250 | 5 |
| Average total loans | $278,733,220,750 | 5 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4060% | 4,962 |
| Cost of funding earning assets | 0.3678% | 3,405 |
| Net interest margin | 3.0382% | 4,822 |
| Noninterest income to average assets | 2.0448% | 304 |
| Noninterest expense to average assets | 2.6096% | 3,401 |
| Loan and lease loss provision to assets | 0.3211% | 462 |
| Net operating income to assets | 1.2572% | 1,411 |
| Return on assets (ROA) | 1.2599% | 1,435 |
| Pretax return on assets | 1.8418% | 760 |
| Return on Equity (ROE) | 12.2986% | 1,209 |
| Retained earnings to average equity (ytd only) | 1.3787% | 4,703 |
| Net charge-offs to loans | 0.4862% | 405 |
| Credit loss provision to net charge-offs | 106.3112% | 1,931 |
| Earnings coverage of net charge-offs (x) | 7.1299% | 2,639 |
| Efficiency ratio | 53.5041% | 5,056 |
| Assets per employee ($millions) | 6.4790% | 1,169 |
| Cash dividends to net income (ytd only)* | 88.7899% | 646 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3757% | 2,064 |
| Loan loss allowance to noncurrent loans | 98.1091% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 1,967 |
| Noncurrent loans to loans | 1.4022% | 1,368 |
| Net loans and leases to total assets | 60.4963% | 3,792 |
| Net loans and leases to deposits | 77.2632% | 3,190 |
| Net loans and leases to core deposits | 94.5034% | 2,108 |
| Total domestic deposits to total assets | 72.1079% | 5,447 |
| Equity capital to assets | 10.0533% | 3,847 |
| Core capital (leverage) ratio | 8.6585% | 5,082 |
| Tier 1 risk-based capital ratio | 10.5222% | 5,446 |
| Total risk-based capital ratio | 12.7047% | 4,881 |
| Memoranda: |
| Average total assets | $446,968,469,000 | 5 |
| Average earning assets | $399,944,477,670 | 5 |
| Average equity | $45,787,803,000 | 5 |
| Average total loans | $277,690,534,000 | 5 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3886% | 4,947 |
| Cost of funding earning assets | 0.3486% | 3,545 |
| Net interest margin | 3.0401% | 4,808 |
| Noninterest income to average assets | 2.0154% | 313 |
| Noninterest expense to average assets | 2.6207% | 3,412 |
| Loan and lease loss provision to assets | 0.3056% | 433 |
| Net operating income to assets | 1.2211% | 1,458 |
| Return on assets (ROA) | 1.2326% | 1,461 |
| Pretax return on assets | 1.8255% | 748 |
| Return on Equity (ROE) | 11.9176% | 1,263 |
| Retained earnings to average equity (ytd only) | 5.7926% | 2,443 |
| Net charge-offs to loans | 0.4842% | 380 |
| Credit loss provision to net charge-offs | 100.9208% | 1,555 |
| Earnings coverage of net charge-offs (x) | 6.9634% | 2,183 |
| Efficiency ratio | 54.1053% | 5,118 |
| Assets per employee ($millions) | 6.2804% | 1,311 |
| Cash dividends to net income (ytd only)* | 51.3943% | 1,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3846% | 2,140 |
| Loan loss allowance to noncurrent loans | 84.4832% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.0616% | 1,695 |
| Noncurrent loans to loans | 1.6389% | 1,184 |
| Net loans and leases to total assets | 61.3469% | 3,619 |
| Net loans and leases to deposits | 78.4185% | 2,926 |
| Net loans and leases to core deposits | 96.7263% | 1,768 |
| Total domestic deposits to total assets | 72.3297% | 5,525 |
| Equity capital to assets | 10.4043% | 3,288 |
| Core capital (leverage) ratio | 8.7781% | 4,977 |
| Tier 1 risk-based capital ratio | 10.7059% | 5,456 |
| Total risk-based capital ratio | 12.9135% | 4,831 |
| Memoranda: |
| Average total assets | $441,997,600,500 | 5 |
| Average earning assets | $394,564,598,500 | 5 |
| Average equity | $45,714,369,500 | 5 |
| Average total loans | $276,401,071,500 | 5 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3617% | 5,055 |
| Cost of funding earning assets | 0.3235% | 3,810 |
| Net interest margin | 3.0382% | 4,880 |
| Noninterest income to average assets | 2.1484% | 311 |
| Noninterest expense to average assets | 2.6670% | 3,465 |
| Loan and lease loss provision to assets | 0.2827% | 701 |
| Net operating income to assets | 1.3243% | 1,164 |
| Return on assets (ROA) | 1.3121% | 1,246 |
| Pretax return on assets | 1.8926% | 635 |
| Return on Equity (ROE) | 12.8556% | 1,026 |
| Retained earnings to average equity (ytd only) | 8.1007% | 824 |
| Net charge-offs to loans | 0.4680% | 534 |
| Credit loss provision to net charge-offs | 96.4195% | 2,671 |
| Earnings coverage of net charge-offs (x) | 7.4577% | 3,016 |
| Efficiency ratio | 53.6277% | 5,269 |
| Assets per employee ($millions) | 6.2974% | 1,262 |
| Cash dividends to net income (ytd only)* | 36.9869% | 3,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3754% | 2,193 |
| Loan loss allowance to noncurrent loans | 80.1254% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.1284% | 1,643 |
| Noncurrent loans to loans | 1.7166% | 1,125 |
| Net loans and leases to total assets | 61.9976% | 3,612 |
| Net loans and leases to deposits | 79.6800% | 2,920 |
| Net loans and leases to core deposits | 99.7059% | 1,646 |
| Total domestic deposits to total assets | 71.5322% | 5,592 |
| Equity capital to assets | 10.2808% | 3,410 |
| Core capital (leverage) ratio | 8.6229% | 5,148 |
| Tier 1 risk-based capital ratio | 10.5431% | 5,555 |
| Total risk-based capital ratio | 12.7415% | 4,964 |
| Memoranda: |
| Average total assets | $432,707,200,800 | 5 |
| Average earning assets | $385,294,552,600 | 5 |
| Average equity | $44,165,095,400 | 5 |
| Average total loans | $271,141,603,200 | 5 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3475% | 5,128 |
| Cost of funding earning assets | 0.3222% | 3,842 |
| Net interest margin | 3.0254% | 4,963 |
| Noninterest income to average assets | 2.1410% | 322 |
| Noninterest expense to average assets | 2.6627% | 3,457 |
| Loan and lease loss provision to assets | 0.2738% | 644 |
| Net operating income to assets | 1.3188% | 1,237 |
| Return on assets (ROA) | 1.3093% | 1,353 |
| Pretax return on assets | 1.8914% | 719 |
| Return on Equity (ROE) | 12.8522% | 1,097 |
| Retained earnings to average equity (ytd only) | 7.6857% | 1,323 |
| Net charge-offs to loans | 0.4683% | 451 |
| Credit loss provision to net charge-offs | 93.3643% | 2,481 |
| Earnings coverage of net charge-offs (x) | 7.4093% | 2,876 |
| Efficiency ratio | 53.7380% | 5,257 |
| Assets per employee ($millions) | 6.5601% | 1,069 |
| Cash dividends to net income (ytd only)* | 40.1992% | 2,350 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3755% | 2,317 |
| Loan loss allowance to noncurrent loans | 81.1874% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 1,854 |
| Noncurrent loans to loans | 1.6942% | 1,241 |
| Net loans and leases to total assets | 60.7094% | 3,780 |
| Net loans and leases to deposits | 78.8095% | 3,096 |
| Net loans and leases to core deposits | 98.3886% | 1,775 |
| Total domestic deposits to total assets | 70.2438% | 5,680 |
| Equity capital to assets | 10.0720% | 4,070 |
| Core capital (leverage) ratio | 8.6485% | 5,215 |
| Tier 1 risk-based capital ratio | 10.4422% | 5,641 |
| Total risk-based capital ratio | 12.6457% | 5,057 |
| Memoranda: |
| Average total assets | $430,631,477,250 | 5 |
| Average earning assets | $383,518,429,000 | 5 |
| Average equity | $43,871,553,250 | 5 |
| Average total loans | $269,619,800,250 | 5 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3735% | 5,139 |
| Cost of funding earning assets | 0.3234% | 3,864 |
| Net interest margin | 3.0501% | 4,977 |
| Noninterest income to average assets | 2.1424% | 317 |
| Noninterest expense to average assets | 2.6900% | 3,430 |
| Loan and lease loss provision to assets | 0.2721% | 683 |
| Net operating income to assets | 1.3195% | 1,227 |
| Return on assets (ROA) | 1.3104% | 1,339 |
| Pretax return on assets | 1.8850% | 720 |
| Return on Equity (ROE) | 12.8112% | 1,079 |
| Retained earnings to average equity (ytd only) | 7.7469% | 1,268 |
| Net charge-offs to loans | 0.4729% | 465 |
| Credit loss provision to net charge-offs | 91.3575% | 2,222 |
| Earnings coverage of net charge-offs (x) | 7.2665% | 2,644 |
| Efficiency ratio | 54.0763% | 5,305 |
| Assets per employee ($millions) | 6.5326% | 1,068 |
| Cash dividends to net income (ytd only)* | 39.5305% | 2,446 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3998% | 2,297 |
| Loan loss allowance to noncurrent loans | 80.3776% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 1,834 |
| Noncurrent loans to loans | 1.7416% | 1,203 |
| Net loans and leases to total assets | 61.8519% | 3,641 |
| Net loans and leases to deposits | 81.7771% | 2,734 |
| Net loans and leases to core deposits | 100.9639% | 1,564 |
| Total domestic deposits to total assets | 68.8282% | 5,816 |
| Equity capital to assets | 10.2280% | 3,938 |
| Core capital (leverage) ratio | 8.6312% | 5,233 |
| Tier 1 risk-based capital ratio | 10.3275% | 5,750 |
| Total risk-based capital ratio | 12.5544% | 5,175 |
| Memoranda: |
| Average total assets | $424,708,234,670 | 5 |
| Average earning assets | $377,582,898,670 | 5 |
| Average equity | $43,441,129,000 | 5 |
| Average total loans | $267,487,009,330 | 5 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3946% | 5,143 |
| Cost of funding earning assets | 0.3187% | 3,962 |
| Net interest margin | 3.0759% | 4,933 |
| Noninterest income to average assets | 1.9837% | 339 |
| Noninterest expense to average assets | 2.5907% | 3,774 |
| Loan and lease loss provision to assets | 0.2913% | 550 |
| Net operating income to assets | 1.2712% | 1,334 |
| Return on assets (ROA) | 1.2569% | 1,483 |
| Pretax return on assets | 1.8213% | 818 |
| Return on Equity (ROE) | 12.2879% | 1,222 |
| Retained earnings to average equity (ytd only) | 12.2879% | 463 |
| Net charge-offs to loans | 0.4754% | 467 |
| Credit loss provision to net charge-offs | 97.0967% | 1,704 |
| Earnings coverage of net charge-offs (x) | 7.0880% | 2,174 |
| Efficiency ratio | 53.5206% | 5,423 |
| Assets per employee ($millions) | 6.5224% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4399% | 2,246 |
| Loan loss allowance to noncurrent loans | 75.0453% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.2793% | 1,691 |
| Noncurrent loans to loans | 1.9187% | 1,131 |
| Net loans and leases to total assets | 62.3098% | 3,487 |
| Net loans and leases to deposits | 83.6637% | 2,345 |
| Net loans and leases to core deposits | 103.2787% | 1,242 |
| Total domestic deposits to total assets | 68.0904% | 5,922 |
| Equity capital to assets | 10.3496% | 3,686 |
| Core capital (leverage) ratio | 8.6530% | 5,231 |
| Tier 1 risk-based capital ratio | 10.3344% | 5,812 |
| Total risk-based capital ratio | 12.5772% | 5,233 |
| Memoranda: |
| Average total assets | $420,330,998,500 | 5 |
| Average earning assets | $373,569,186,000 | 5 |
| Average equity | $42,994,454,500 | 5 |
| Average total loans | $265,274,933,000 | 5 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3584% | 5,248 |
| Cost of funding earning assets | 0.2844% | 4,423 |
| Net interest margin | 3.0740% | 4,964 |
| Noninterest income to average assets | 2.1441% | 319 |
| Noninterest expense to average assets | 2.6311% | 3,814 |
| Loan and lease loss provision to assets | 0.2504% | 760 |
| Net operating income to assets | 1.3897% | 1,053 |
| Return on assets (ROA) | 1.3761% | 1,127 |
| Pretax return on assets | 1.9726% | 567 |
| Return on Equity (ROE) | 13.6846% | 914 |
| Retained earnings to average equity (ytd only) | 4.2098% | 2,990 |
| Net charge-offs to loans | 0.4577% | 600 |
| Credit loss provision to net charge-offs | 87.4004% | 2,806 |
| Earnings coverage of net charge-offs (x) | 7.8079% | 3,038 |
| Efficiency ratio | 52.6891% | 5,596 |
| Assets per employee ($millions) | 6.4925% | 1,104 |
| Cash dividends to net income (ytd only)* | 69.2372% | 1,292 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4686% | 2,137 |
| Loan loss allowance to noncurrent loans | 75.6193% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.2995% | 1,636 |
| Noncurrent loans to loans | 1.9421% | 1,096 |
| Net loans and leases to total assets | 62.0751% | 3,556 |
| Net loans and leases to deposits | 83.4734% | 2,426 |
| Net loans and leases to core deposits | 101.9459% | 1,369 |
| Total domestic deposits to total assets | 67.0146% | 5,994 |
| Equity capital to assets | 10.1061% | 3,854 |
| Core capital (leverage) ratio | 8.5163% | 5,413 |
| Tier 1 risk-based capital ratio | 10.1349% | 5,917 |
| Total risk-based capital ratio | 12.2016% | 5,455 |
| Memoranda: |
| Average total assets | $409,338,377,200 | 5 |
| Average earning assets | $362,676,057,200 | 5 |
| Average equity | $41,161,625,200 | 5 |
| Average total loans | $256,170,097,600 | 5 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3526% | 5,310 |
| Cost of funding earning assets | 0.2864% | 4,489 |
| Net interest margin | 3.0662% | 5,043 |
| Noninterest income to average assets | 2.1277% | 329 |
| Noninterest expense to average assets | 2.5999% | 3,882 |
| Loan and lease loss provision to assets | 0.2690% | 604 |
| Net operating income to assets | 1.3798% | 1,159 |
| Return on assets (ROA) | 1.3659% | 1,242 |
| Pretax return on assets | 1.9613% | 643 |
| Return on Equity (ROE) | 13.6011% | 982 |
| Retained earnings to average equity (ytd only) | 2.5187% | 4,619 |
| Net charge-offs to loans | 0.4546% | 554 |
| Credit loss provision to net charge-offs | 94.7136% | 2,395 |
| Earnings coverage of net charge-offs (x) | 7.9021% | 2,862 |
| Efficiency ratio | 52.3095% | 5,633 |
| Assets per employee ($millions) | 6.2892% | 1,184 |
| Cash dividends to net income (ytd only)* | 81.4816% | 704 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5358% | 2,013 |
| Loan loss allowance to noncurrent loans | 77.9812% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.3135% | 1,778 |
| Noncurrent loans to loans | 1.9694% | 1,181 |
| Net loans and leases to total assets | 61.8698% | 3,629 |
| Net loans and leases to deposits | 83.2992% | 2,488 |
| Net loans and leases to core deposits | 101.7033% | 1,398 |
| Total domestic deposits to total assets | 66.4737% | 6,081 |
| Equity capital to assets | 10.0989% | 4,050 |
| Core capital (leverage) ratio | 8.4035% | 5,625 |
| Tier 1 risk-based capital ratio | 10.0680% | 6,020 |
| Total risk-based capital ratio | 12.1561% | 5,620 |
| Memoranda: |
| Average total assets | $407,308,413,000 | 5 |
| Average earning assets | $360,823,705,500 | 5 |
| Average equity | $40,904,824,000 | 5 |
| Average total loans | $254,462,653,000 | 5 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3472% | 5,349 |
| Cost of funding earning assets | 0.2897% | 4,512 |
| Net interest margin | 3.0575% | 5,069 |
| Noninterest income to average assets | 2.0954% | 349 |
| Noninterest expense to average assets | 2.5653% | 4,019 |
| Loan and lease loss provision to assets | 0.2794% | 581 |
| Net operating income to assets | 1.3502% | 1,191 |
| Return on assets (ROA) | 1.3364% | 1,271 |
| Pretax return on assets | 1.9435% | 675 |
| Return on Equity (ROE) | 13.3320% | 1,049 |
| Retained earnings to average equity (ytd only) | 1.0494% | 5,153 |
| Net charge-offs to loans | 0.4542% | 565 |
| Credit loss provision to net charge-offs | 98.6412% | 2,091 |
| Earnings coverage of net charge-offs (x) | 7.8969% | 2,615 |
| Efficiency ratio | 52.0396% | 5,715 |
| Assets per employee ($millions) | 6.2664% | 1,174 |
| Cash dividends to net income (ytd only)* | 92.1289% | 666 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5673% | 2,025 |
| Loan loss allowance to noncurrent loans | 79.6259% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2961% | 1,940 |
| Noncurrent loans to loans | 1.9684% | 1,254 |
| Net loans and leases to total assets | 60.8724% | 3,706 |
| Net loans and leases to deposits | 81.8679% | 2,571 |
| Net loans and leases to core deposits | 98.0698% | 1,648 |
| Total domestic deposits to total assets | 67.5238% | 6,129 |
| Equity capital to assets | 9.8518% | 4,215 |
| Core capital (leverage) ratio | 8.2948% | 5,715 |
| Tier 1 risk-based capital ratio | 9.9736% | 6,097 |
| Total risk-based capital ratio | 12.0702% | 5,734 |
| Memoranda: |
| Average total assets | $406,114,593,000 | 5 |
| Average earning assets | $359,509,156,000 | 5 |
| Average equity | $40,707,935,000 | 5 |
| Average total loans | $253,222,871,670 | 5 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3809% | 5,249 |
| Cost of funding earning assets | 0.2974% | 4,470 |
| Net interest margin | 3.0835% | 4,999 |
| Noninterest income to average assets | 2.0586% | 358 |
| Noninterest expense to average assets | 2.5936% | 3,960 |
| Loan and lease loss provision to assets | 0.2699% | 578 |
| Net operating income to assets | 1.3807% | 1,067 |
| Return on assets (ROA) | 1.3673% | 1,161 |
| Pretax return on assets | 1.9088% | 706 |
| Return on Equity (ROE) | 13.5211% | 976 |
| Retained earnings to average equity (ytd only) | 0.7348% | 5,160 |
| Net charge-offs to loans | 0.4440% | 560 |
| Credit loss provision to net charge-offs | 97.0865% | 1,695 |
| Earnings coverage of net charge-offs (x) | 7.8852% | 2,128 |
| Efficiency ratio | 52.7896% | 5,760 |
| Assets per employee ($millions) | 6.1974% | 1,259 |
| Cash dividends to net income (ytd only)* | 94.5655% | 761 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5953% | 2,066 |
| Loan loss allowance to noncurrent loans | 74.9081% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.4075% | 1,882 |
| Noncurrent loans to loans | 2.1296% | 1,205 |
| Net loans and leases to total assets | 61.2174% | 3,491 |
| Net loans and leases to deposits | 83.4282% | 2,149 |
| Net loans and leases to core deposits | 100.7733% | 1,270 |
| Total domestic deposits to total assets | 66.3250% | 6,238 |
| Equity capital to assets | 10.0641% | 4,070 |
| Core capital (leverage) ratio | 8.3903% | 5,645 |
| Tier 1 risk-based capital ratio | 10.1057% | 6,139 |
| Total risk-based capital ratio | 12.3709% | 5,667 |
| Memoranda: |
| Average total assets | $402,170,766,000 | 5 |
| Average earning assets | $355,671,154,000 | 5 |
| Average equity | $40,668,559,500 | 5 |
| Average total loans | $251,821,405,000 | 5 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5951% | 5,090 |
| Cost of funding earning assets | 0.3093% | 4,697 |
| Net interest margin | 3.2859% | 4,633 |
| Noninterest income to average assets | 2.2864% | 269 |
| Noninterest expense to average assets | 2.7451% | 3,695 |
| Loan and lease loss provision to assets | 0.3110% | 654 |
| Net operating income to assets | 1.4730% | 927 |
| Return on assets (ROA) | 1.4583% | 999 |
| Pretax return on assets | 2.1044% | 410 |
| Return on Equity (ROE) | 13.8350% | 961 |
| Retained earnings to average equity (ytd only) | 4.2117% | 3,198 |
| Net charge-offs to loans | 0.5461% | 742 |
| Credit loss provision to net charge-offs | 88.5125% | 2,676 |
| Earnings coverage of net charge-offs (x) | 6.9153% | 3,122 |
| Efficiency ratio | 51.5334% | 6,015 |
| Assets per employee ($millions) | 6.0929% | 1,320 |
| Cash dividends to net income (ytd only)* | 69.5577% | 1,320 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6063% | 2,066 |
| Loan loss allowance to noncurrent loans | 71.7197% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.4943% | 1,831 |
| Noncurrent loans to loans | 2.2397% | 1,175 |
| Net loans and leases to total assets | 62.0153% | 3,500 |
| Net loans and leases to deposits | 84.1136% | 2,202 |
| Net loans and leases to core deposits | 101.7382% | 1,266 |
| Total domestic deposits to total assets | 66.0595% | 6,323 |
| Equity capital to assets | 10.1612% | 3,904 |
| Core capital (leverage) ratio | 8.6005% | 5,445 |
| Tier 1 risk-based capital ratio | 10.4670% | 6,118 |
| Total risk-based capital ratio | 12.7716% | 5,569 |
| Memoranda: |
| Average total assets | $379,557,484,400 | 5 |
| Average earning assets | $333,656,528,600 | 5 |
| Average equity | $40,006,914,600 | 5 |
| Average total loans | $244,204,719,600 | 5 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6275% | 5,075 |
| Cost of funding earning assets | 0.3143% | 4,736 |
| Net interest margin | 3.3132% | 4,558 |
| Noninterest income to average assets | 2.3164% | 276 |
| Noninterest expense to average assets | 2.7598% | 3,605 |
| Loan and lease loss provision to assets | 0.3129% | 606 |
| Net operating income to assets | 1.4812% | 975 |
| Return on assets (ROA) | 1.4661% | 1,035 |
| Pretax return on assets | 2.1370% | 420 |
| Return on Equity (ROE) | 13.7777% | 1,032 |
| Retained earnings to average equity (ytd only) | 4.5822% | 3,379 |
| Net charge-offs to loans | 0.5643% | 667 |
| Credit loss provision to net charge-offs | 85.7147% | 2,500 |
| Earnings coverage of net charge-offs (x) | 6.7509% | 3,035 |
| Efficiency ratio | 51.3185% | 6,035 |
| Assets per employee ($millions) | 5.9914% | 1,342 |
| Cash dividends to net income (ytd only)* | 66.7422% | 1,140 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6375% | 2,176 |
| Loan loss allowance to noncurrent loans | 70.8371% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.5736% | 1,944 |
| Noncurrent loans to loans | 2.3116% | 1,294 |
| Net loans and leases to total assets | 63.1006% | 3,330 |
| Net loans and leases to deposits | 85.9246% | 1,911 |
| Net loans and leases to core deposits | 99.6744% | 1,398 |
| Total domestic deposits to total assets | 67.8176% | 6,356 |
| Equity capital to assets | 10.4370% | 3,639 |
| Core capital (leverage) ratio | 8.7074% | 5,426 |
| Tier 1 risk-based capital ratio | 10.5499% | 6,191 |
| Total risk-based capital ratio | 12.8755% | 5,636 |
| Memoranda: |
| Average total assets | $374,702,265,750 | 5 |
| Average earning assets | $328,853,420,000 | 5 |
| Average equity | $39,873,426,250 | 5 |
| Average total loans | $242,389,139,500 | 5 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6704% | 4,948 |
| Cost of funding earning assets | 0.3223% | 4,734 |
| Net interest margin | 3.3480% | 4,418 |
| Noninterest income to average assets | 2.3447% | 268 |
| Noninterest expense to average assets | 2.8015% | 3,499 |
| Loan and lease loss provision to assets | 0.3241% | 581 |
| Net operating income to assets | 1.4791% | 910 |
| Return on assets (ROA) | 1.4647% | 977 |
| Pretax return on assets | 2.1369% | 415 |
| Return on Equity (ROE) | 13.6725% | 1,017 |
| Retained earnings to average equity (ytd only) | 7.3752% | 1,576 |
| Net charge-offs to loans | 0.5737% | 709 |
| Credit loss provision to net charge-offs | 87.0710% | 2,230 |
| Earnings coverage of net charge-offs (x) | 6.6491% | 2,743 |
| Efficiency ratio | 51.6096% | 6,092 |
| Assets per employee ($millions) | 5.9733% | 1,294 |
| Cash dividends to net income (ytd only)* | 46.0582% | 2,096 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6826% | 2,175 |
| Loan loss allowance to noncurrent loans | 70.1592% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.7737% | 1,831 |
| Noncurrent loans to loans | 2.3983% | 1,320 |
| Net loans and leases to total assets | 62.8460% | 3,265 |
| Net loans and leases to deposits | 84.3661% | 2,000 |
| Net loans and leases to core deposits | 97.7547% | 1,459 |
| Total domestic deposits to total assets | 68.6272% | 6,401 |
| Equity capital to assets | 10.5269% | 3,412 |
| Core capital (leverage) ratio | 8.9740% | 5,057 |
| Tier 1 risk-based capital ratio | 10.6503% | 6,200 |
| Total risk-based capital ratio | 12.9856% | 5,617 |
| Memoranda: |
| Average total assets | $370,591,772,000 | 5 |
| Average earning assets | $324,478,439,330 | 5 |
| Average equity | $39,699,673,330 | 5 |
| Average total loans | $240,423,448,670 | 5 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7327% | 4,736 |
| Cost of funding earning assets | 0.3381% | 4,662 |
| Net interest margin | 3.3946% | 4,140 |
| Noninterest income to average assets | 2.1891% | 290 |
| Noninterest expense to average assets | 2.7471% | 3,768 |
| Loan and lease loss provision to assets | 0.3141% | 595 |
| Net operating income to assets | 1.4196% | 953 |
| Return on assets (ROA) | 1.4065% | 1,018 |
| Pretax return on assets | 2.0817% | 443 |
| Return on Equity (ROE) | 13.0103% | 1,158 |
| Retained earnings to average equity (ytd only) | 13.0103% | 483 |
| Net charge-offs to loans | 0.5743% | 643 |
| Credit loss provision to net charge-offs | 83.6474% | 1,860 |
| Earnings coverage of net charge-offs (x) | 6.4116% | 2,225 |
| Efficiency ratio | 51.7394% | 6,151 |
| Assets per employee ($millions) | 5.7168% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7544% | 2,182 |
| Loan loss allowance to noncurrent loans | 64.0941% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.0290% | 1,675 |
| Noncurrent loans to loans | 2.7373% | 1,229 |
| Net loans and leases to total assets | 63.8920% | 2,908 |
| Net loans and leases to deposits | 86.8442% | 1,488 |
| Net loans and leases to core deposits | 100.0929% | 1,101 |
| Total domestic deposits to total assets | 67.4796% | 6,529 |
| Equity capital to assets | 10.9216% | 2,794 |
| Core capital (leverage) ratio | 9.2272% | 4,679 |
| Tier 1 risk-based capital ratio | 10.8990% | 6,195 |
| Total risk-based capital ratio | 13.0722% | 5,684 |
| Memoranda: |
| Average total assets | $363,790,854,000 | 5 |
| Average earning assets | $317,781,722,500 | 5 |
| Average equity | $39,327,646,500 | 5 |
| Average total loans | $237,843,943,500 | 5 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9349% | 4,338 |
| Cost of funding earning assets | 0.4142% | 4,491 |
| Net interest margin | 3.5207% | 3,804 |
| Noninterest income to average assets | 2.4063% | 296 |
| Noninterest expense to average assets | 2.8107% | 3,684 |
| Loan and lease loss provision to assets | 0.3848% | 789 |
| Net operating income to assets | 1.5998% | 693 |
| Return on assets (ROA) | 1.6302% | 670 |
| Pretax return on assets | 2.2891% | 269 |
| Return on Equity (ROE) | 14.8502% | 793 |
| Retained earnings to average equity (ytd only) | -0.8485% | 6,038 |
| Net charge-offs to loans | 0.6313% | 1,038 |
| Credit loss provision to net charge-offs | 92.9629% | 2,677 |
| Earnings coverage of net charge-offs (x) | 6.3854% | 3,075 |
| Efficiency ratio | 49.8778% | 6,402 |
| Assets per employee ($millions) | 5.6290% | 1,540 |
| Cash dividends to net income (ytd only)* | 105.7140% | 333 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7935% | 2,083 |
| Loan loss allowance to noncurrent loans | 64.0371% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.1062% | 1,698 |
| Noncurrent loans to loans | 2.8008% | 1,264 |
| Net loans and leases to total assets | 64.5531% | 2,945 |
| Net loans and leases to deposits | 85.8193% | 1,711 |
| Net loans and leases to core deposits | 99.7837% | 1,175 |
| Total domestic deposits to total assets | 68.2770% | 6,580 |
| Equity capital to assets | 10.6974% | 2,936 |
| Core capital (leverage) ratio | 8.8066% | 5,268 |
| Tier 1 risk-based capital ratio | 10.2841% | 6,441 |
| Total risk-based capital ratio | 12.4064% | 6,048 |
| Memoranda: |
| Average total assets | $353,970,482,200 | 5 |
| Average earning assets | $306,379,948,000 | 5 |
| Average equity | $38,856,607,200 | 5 |
| Average total loans | $232,089,747,200 | 5 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9600% | 4,284 |
| Cost of funding earning assets | 0.4270% | 4,527 |
| Net interest margin | 3.5329% | 3,745 |
| Noninterest income to average assets | 2.4374% | 302 |
| Noninterest expense to average assets | 2.8004% | 3,666 |
| Loan and lease loss provision to assets | 0.3981% | 763 |
| Net operating income to assets | 1.6064% | 743 |
| Return on assets (ROA) | 1.6530% | 712 |
| Pretax return on assets | 2.3381% | 300 |
| Return on Equity (ROE) | 14.9605% | 803 |
| Retained earnings to average equity (ytd only) | -0.7938% | 6,100 |
| Net charge-offs to loans | 0.6661% | 908 |
| Credit loss provision to net charge-offs | 91.2181% | 2,605 |
| Earnings coverage of net charge-offs (x) | 6.1602% | 3,029 |
| Efficiency ratio | 49.3584% | 6,437 |
| Assets per employee ($millions) | 5.6163% | 1,525 |
| Cash dividends to net income (ytd only)* | 105.3060% | 353 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8231% | 2,228 |
| Loan loss allowance to noncurrent loans | 65.7599% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 2.1055% | 1,901 |
| Noncurrent loans to loans | 2.7724% | 1,510 |
| Net loans and leases to total assets | 64.2973% | 2,951 |
| Net loans and leases to deposits | 85.0285% | 1,740 |
| Net loans and leases to core deposits | 100.8287% | 1,063 |
| Total domestic deposits to total assets | 67.4067% | 6,675 |
| Equity capital to assets | 10.7737% | 2,984 |
| Core capital (leverage) ratio | 8.9722% | 5,168 |
| Tier 1 risk-based capital ratio | 10.4953% | 6,451 |
| Total risk-based capital ratio | 12.4931% | 6,136 |
| Memoranda: |
| Average total assets | $352,343,533,250 | 5 |
| Average earning assets | $304,342,710,500 | 5 |
| Average equity | $38,930,289,750 | 5 |
| Average total loans | $230,874,767,500 | 5 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9954% | 4,131 |
| Cost of funding earning assets | 0.4472% | 4,457 |
| Net interest margin | 3.5481% | 3,571 |
| Noninterest income to average assets | 2.4592% | 328 |
| Noninterest expense to average assets | 2.7923% | 3,698 |
| Loan and lease loss provision to assets | 0.4407% | 665 |
| Net operating income to assets | 1.6269% | 710 |
| Return on assets (ROA) | 1.6769% | 710 |
| Pretax return on assets | 2.3337% | 333 |
| Return on Equity (ROE) | 15.0504% | 802 |
| Retained earnings to average equity (ytd only) | 0.2171% | 5,791 |
| Net charge-offs to loans | 0.7171% | 908 |
| Credit loss provision to net charge-offs | 93.7720% | 2,356 |
| Earnings coverage of net charge-offs (x) | 5.7932% | 2,829 |
| Efficiency ratio | 48.9689% | 6,485 |
| Assets per employee ($millions) | 5.5013% | 1,592 |
| Cash dividends to net income (ytd only)* | 98.5577% | 539 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8677% | 2,203 |
| Loan loss allowance to noncurrent loans | 67.2684% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.1395% | 2,014 |
| Noncurrent loans to loans | 2.7765% | 1,634 |
| Net loans and leases to total assets | 64.8534% | 2,784 |
| Net loans and leases to deposits | 87.1077% | 1,449 |
| Net loans and leases to core deposits | 101.1259% | 995 |
| Total domestic deposits to total assets | 67.3683% | 6,732 |
| Equity capital to assets | 11.0921% | 2,667 |
| Core capital (leverage) ratio | 9.1285% | 4,787 |
| Tier 1 risk-based capital ratio | 10.7147% | 6,442 |
| Total risk-based capital ratio | 12.7457% | 6,078 |
| Memoranda: |
| Average total assets | $350,927,892,330 | 5 |
| Average earning assets | $302,207,911,670 | 5 |
| Average equity | $39,101,114,330 | 5 |
| Average total loans | $229,987,768,330 | 5 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0557% | 3,900 |
| Cost of funding earning assets | 0.4844% | 4,243 |
| Net interest margin | 3.5714% | 3,380 |
| Noninterest income to average assets | 2.3769% | 339 |
| Noninterest expense to average assets | 2.7735% | 3,792 |
| Loan and lease loss provision to assets | 0.4292% | 697 |
| Net operating income to assets | 1.5695% | 749 |
| Return on assets (ROA) | 1.6208% | 736 |
| Pretax return on assets | 2.2872% | 360 |
| Return on Equity (ROE) | 14.6102% | 840 |
| Retained earnings to average equity (ytd only) | 4.1721% | 3,717 |
| Net charge-offs to loans | 0.7381% | 826 |
| Credit loss provision to net charge-offs | 89.8913% | 2,027 |
| Earnings coverage of net charge-offs (x) | 5.5784% | 2,353 |
| Efficiency ratio | 49.3055% | 6,547 |
| Assets per employee ($millions) | 5.4934% | 1,677 |
| Cash dividends to net income (ytd only)* | 71.4439% | 1,052 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8827% | 2,358 |
| Loan loss allowance to noncurrent loans | 64.6358% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.1827% | 2,141 |
| Noncurrent loans to loans | 2.9128% | 1,724 |
| Net loans and leases to total assets | 63.2116% | 2,850 |
| Net loans and leases to deposits | 86.7888% | 1,268 |
| Net loans and leases to core deposits | 99.5647% | 976 |
| Total domestic deposits to total assets | 66.4880% | 6,837 |
| Equity capital to assets | 11.1366% | 2,804 |
| Core capital (leverage) ratio | 9.0578% | 4,793 |
| Tier 1 risk-based capital ratio | 10.7095% | 6,520 |
| Total risk-based capital ratio | 12.7984% | 6,127 |
| Memoranda: |
| Average total assets | $345,437,792,500 | 5 |
| Average earning assets | $295,965,776,000 | 5 |
| Average equity | $38,321,185,000 | 5 |
| Average total loans | $223,443,331,000 | 5 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2605% | 4,362 |
| Cost of funding earning assets | 0.5722% | 4,620 |
| Net interest margin | 3.6883% | 3,696 |
| Noninterest income to average assets | 2.6280% | 295 |
| Noninterest expense to average assets | 2.9921% | 3,307 |
| Loan and lease loss provision to assets | 0.5138% | 1,140 |
| Net operating income to assets | 1.5697% | 797 |
| Return on assets (ROA) | 1.6029% | 837 |
| Pretax return on assets | 2.3149% | 327 |
| Return on Equity (ROE) | 15.2781% | 764 |
| Retained earnings to average equity (ytd only) | 14.5736% | 177 |
| Net charge-offs to loans | 0.9283% | 1,210 |
| Credit loss provision to net charge-offs | 86.8485% | 3,595 |
| Earnings coverage of net charge-offs (x) | 4.7341% | 3,274 |
| Efficiency ratio | 49.7731% | 6,604 |
| Assets per employee ($millions) | 5.5264% | 1,664 |
| Cash dividends to net income (ytd only)* | 4.6109% | 4,208 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8876% | 2,330 |
| Loan loss allowance to noncurrent loans | 62.7311% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 2.2802% | 2,152 |
| Noncurrent loans to loans | 3.0091% | 1,728 |
| Net loans and leases to total assets | 63.7182% | 2,942 |
| Net loans and leases to deposits | 86.6757% | 1,420 |
| Net loans and leases to core deposits | 97.5298% | 1,177 |
| Total domestic deposits to total assets | 68.0925% | 6,856 |
| Equity capital to assets | 11.0503% | 2,890 |
| Core capital (leverage) ratio | 8.9864% | 4,918 |
| Tier 1 risk-based capital ratio | 10.5555% | 6,532 |
| Total risk-based capital ratio | 12.7316% | 6,085 |
| Memoranda: |
| Average total assets | $338,247,367,200 | 5 |
| Average earning assets | $290,262,899,200 | 5 |
| Average equity | $35,488,075,800 | 6 |
| Average total loans | $215,593,275,400 | 5 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2831% | 4,516 |
| Cost of funding earning assets | 0.6009% | 4,641 |
| Net interest margin | 3.6822% | 3,870 |
| Noninterest income to average assets | 2.6425% | 294 |
| Noninterest expense to average assets | 2.9721% | 3,333 |
| Loan and lease loss provision to assets | 0.5301% | 1,120 |
| Net operating income to assets | 1.5836% | 878 |
| Return on assets (ROA) | 1.6109% | 912 |
| Pretax return on assets | 2.3221% | 391 |
| Return on Equity (ROE) | 15.5665% | 809 |
| Retained earnings to average equity (ytd only) | 14.6094% | 263 |
| Net charge-offs to loans | 0.9724% | 1,096 |
| Credit loss provision to net charge-offs | 85.9443% | 3,431 |
| Earnings coverage of net charge-offs (x) | 4.5918% | 3,262 |
| Efficiency ratio | 49.3053% | 6,639 |
| Assets per employee ($millions) | 5.5463% | 1,596 |
| Cash dividends to net income (ytd only)* | 6.1484% | 3,561 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9462% | 2,339 |
| Loan loss allowance to noncurrent loans | 62.9895% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 2.2952% | 2,318 |
| Noncurrent loans to loans | 3.0898% | 1,799 |
| Net loans and leases to total assets | 63.0494% | 3,196 |
| Net loans and leases to deposits | 86.8866% | 1,498 |
| Net loans and leases to core deposits | 99.9874% | 1,120 |
| Total domestic deposits to total assets | 66.0392% | 6,980 |
| Equity capital to assets | 10.8216% | 3,473 |
| Core capital (leverage) ratio | 8.9634% | 5,118 |
| Tier 1 risk-based capital ratio | 10.6693% | 6,606 |
| Total risk-based capital ratio | 12.9697% | 6,086 |
| Memoranda: |
| Average total assets | $336,537,055,000 | 5 |
| Average earning assets | $288,982,129,750 | 5 |
| Average equity | $34,826,749,250 | 5 |
| Average total loans | $213,462,882,750 | 5 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3121% | 4,518 |
| Cost of funding earning assets | 0.6354% | 4,566 |
| Net interest margin | 3.6767% | 3,936 |
| Noninterest income to average assets | 2.6156% | 281 |
| Noninterest expense to average assets | 2.9901% | 3,290 |
| Loan and lease loss provision to assets | 0.5214% | 1,202 |
| Net operating income to assets | 1.5593% | 898 |
| Return on assets (ROA) | 1.6005% | 930 |
| Pretax return on assets | 2.3011% | 413 |
| Return on Equity (ROE) | 15.7115% | 814 |
| Retained earnings to average equity (ytd only) | 14.2442% | 329 |
| Net charge-offs to loans | 0.9901% | 1,121 |
| Credit loss provision to net charge-offs | 83.4146% | 3,229 |
| Earnings coverage of net charge-offs (x) | 4.4494% | 3,078 |
| Efficiency ratio | 49.8626% | 6,654 |
| Assets per employee ($millions) | 5.6009% | 1,527 |
| Cash dividends to net income (ytd only)* | 9.3389% | 3,314 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0232% | 2,166 |
| Loan loss allowance to noncurrent loans | 67.1992% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.2667% | 2,470 |
| Noncurrent loans to loans | 3.0107% | 1,963 |
| Net loans and leases to total assets | 61.7901% | 3,480 |
| Net loans and leases to deposits | 86.4463% | 1,540 |
| Net loans and leases to core deposits | 100.6671% | 1,055 |
| Total domestic deposits to total assets | 64.3666% | 7,077 |
| Equity capital to assets | 10.3513% | 3,880 |
| Core capital (leverage) ratio | 8.6541% | 5,444 |
| Tier 1 risk-based capital ratio | 10.2503% | 6,765 |
| Total risk-based capital ratio | 12.9073% | 6,119 |
| Memoranda: |
| Average total assets | $334,506,982,670 | 5 |
| Average earning assets | $287,095,640,000 | 5 |
| Average equity | $34,076,418,670 | 6 |
| Average total loans | $211,179,750,000 | 5 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3825% | 4,396 |
| Cost of funding earning assets | 0.6506% | 4,733 |
| Net interest margin | 3.7318% | 3,687 |
| Noninterest income to average assets | 2.5734% | 292 |
| Noninterest expense to average assets | 3.0241% | 3,170 |
| Loan and lease loss provision to assets | 0.5367% | 1,110 |
| Net operating income to assets | 1.5315% | 974 |
| Return on assets (ROA) | 1.5705% | 1,019 |
| Pretax return on assets | 2.2460% | 497 |
| Return on Equity (ROE) | 15.5470% | 875 |
| Retained earnings to average equity (ytd only) | 12.5504% | 744 |
| Net charge-offs to loans | 1.0524% | 984 |
| Credit loss provision to net charge-offs | 80.7327% | 2,711 |
| Earnings coverage of net charge-offs (x) | 4.1271% | 2,656 |
| Efficiency ratio | 50.4567% | 6,644 |
| Assets per employee ($millions) | 5.4364% | 1,748 |
| Cash dividends to net income (ytd only)* | 19.2744% | 2,353 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1319% | 2,021 |
| Loan loss allowance to noncurrent loans | 61.7081% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 2.6017% | 2,271 |
| Noncurrent loans to loans | 3.4547% | 1,807 |
| Net loans and leases to total assets | 61.8201% | 3,290 |
| Net loans and leases to deposits | 85.5323% | 1,473 |
| Net loans and leases to core deposits | 94.5763% | 1,407 |
| Total domestic deposits to total assets | 67.3022% | 7,074 |
| Equity capital to assets | 10.2964% | 3,731 |
| Core capital (leverage) ratio | 8.2812% | 5,904 |
| Tier 1 risk-based capital ratio | 9.8910% | 6,901 |
| Total risk-based capital ratio | 12.6210% | 6,326 |
| Memoranda: |
| Average total assets | $330,349,118,000 | 5 |
| Average earning assets | $282,768,848,500 | 5 |
| Average equity | $33,371,273,500 | 6 |
| Average total loans | $208,667,177,000 | 5 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5144% | 5,016 |
| Cost of funding earning assets | 0.7438% | 5,252 |
| Net interest margin | 3.7706% | 3,978 |
| Noninterest income to average assets | 2.6609% | 246 |
| Noninterest expense to average assets | 3.0607% | 3,350 |
| Loan and lease loss provision to assets | 0.7092% | 1,439 |
| Net operating income to assets | 1.4823% | 860 |
| Return on assets (ROA) | 1.5034% | 888 |
| Pretax return on assets | 2.1321% | 423 |
| Return on Equity (ROE) | 15.1380% | 725 |
| Retained earnings to average equity (ytd only) | 10.6436% | 457 |
| Net charge-offs to loans | 1.3682% | 1,202 |
| Credit loss provision to net charge-offs | 81.6257% | 4,382 |
| Earnings coverage of net charge-offs (x) | 3.2482% | 3,583 |
| Efficiency ratio | 49.8989% | 6,839 |
| Assets per employee ($millions) | 5.4639% | 1,678 |
| Cash dividends to net income (ytd only)* | 29.6893% | 3,128 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1834% | 1,828 |
| Loan loss allowance to noncurrent loans | 59.7926% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.7221% | 2,234 |
| Noncurrent loans to loans | 3.6516% | 1,732 |
| Net loans and leases to total assets | 61.7854% | 3,643 |
| Net loans and leases to deposits | 86.4846% | 1,616 |
| Net loans and leases to core deposits | 95.7318% | 1,524 |
| Total domestic deposits to total assets | 66.4767% | 7,118 |
| Equity capital to assets | 9.9074% | 4,294 |
| Core capital (leverage) ratio | 8.0823% | 6,162 |
| Tier 1 risk-based capital ratio | 9.5858% | 6,945 |
| Total risk-based capital ratio | 12.4830% | 6,303 |
| Memoranda: |
| Average total assets | $313,649,692,000 | 5 |
| Average earning assets | $268,002,614,200 | 5 |
| Average equity | $31,150,016,400 | 6 |
| Average total loans | $199,175,002,600 | 5 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5445% | 5,101 |
| Cost of funding earning assets | 0.7675% | 5,351 |
| Net interest margin | 3.7770% | 3,981 |
| Noninterest income to average assets | 2.5743% | 260 |
| Noninterest expense to average assets | 3.0038% | 3,542 |
| Loan and lease loss provision to assets | 0.7610% | 1,246 |
| Net operating income to assets | 1.4254% | 1,108 |
| Return on assets (ROA) | 1.4481% | 1,130 |
| Pretax return on assets | 2.0565% | 559 |
| Return on Equity (ROE) | 14.5711% | 933 |
| Retained earnings to average equity (ytd only) | 10.2355% | 783 |
| Net charge-offs to loans | 1.4446% | 1,017 |
| Credit loss provision to net charge-offs | 82.8366% | 4,042 |
| Earnings coverage of net charge-offs (x) | 3.0437% | 3,616 |
| Efficiency ratio | 49.5933% | 6,852 |
| Assets per employee ($millions) | 5.3134% | 1,797 |
| Cash dividends to net income (ytd only)* | 29.7549% | 2,486 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3511% | 1,617 |
| Loan loss allowance to noncurrent loans | 60.3847% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 2.9091% | 2,220 |
| Noncurrent loans to loans | 3.8935% | 1,714 |
| Net loans and leases to total assets | 61.6801% | 3,804 |
| Net loans and leases to deposits | 87.0542% | 1,549 |
| Net loans and leases to core deposits | 97.2258% | 1,492 |
| Total domestic deposits to total assets | 65.3432% | 7,218 |
| Equity capital to assets | 10.0196% | 4,316 |
| Core capital (leverage) ratio | 7.9855% | 6,415 |
| Tier 1 risk-based capital ratio | 9.5806% | 7,041 |
| Total risk-based capital ratio | 12.7655% | 6,225 |
| Memoranda: |
| Average total assets | $309,444,412,500 | 5 |
| Average earning assets | $264,276,910,000 | 5 |
| Average equity | $30,752,259,500 | 6 |
| Average total loans | $196,783,639,000 | 5 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6111% | 4,924 |
| Cost of funding earning assets | 0.8460% | 5,092 |
| Net interest margin | 3.7652% | 3,962 |
| Noninterest income to average assets | 2.5727% | 261 |
| Noninterest expense to average assets | 2.9900% | 3,680 |
| Loan and lease loss provision to assets | 0.8230% | 1,114 |
| Net operating income to assets | 1.3907% | 1,103 |
| Return on assets (ROA) | 1.4133% | 1,117 |
| Pretax return on assets | 1.9949% | 592 |
| Return on Equity (ROE) | 14.2622% | 927 |
| Retained earnings to average equity (ytd only) | 14.2622% | 293 |
| Net charge-offs to loans | 1.5257% | 970 |
| Credit loss provision to net charge-offs | 84.6316% | 3,633 |
| Earnings coverage of net charge-offs (x) | 2.8758% | 3,403 |
| Efficiency ratio | 49.4428% | 6,973 |
| Assets per employee ($millions) | 5.1884% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4882% | 1,462 |
| Loan loss allowance to noncurrent loans | 59.1222% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 3.1388% | 2,139 |
| Noncurrent loans to loans | 4.2085% | 1,617 |
| Net loans and leases to total assets | 61.2764% | 4,030 |
| Net loans and leases to deposits | 86.8373% | 1,671 |
| Net loans and leases to core deposits | 99.4004% | 1,396 |
| Total domestic deposits to total assets | 63.9819% | 7,318 |
| Equity capital to assets | 10.2270% | 3,849 |
| Core capital (leverage) ratio | 8.0956% | 6,171 |
| Tier 1 risk-based capital ratio | 9.7608% | 7,043 |
| Total risk-based capital ratio | 13.0597% | 5,915 |
| Memoranda: |
| Average total assets | $306,109,459,670 | 5 |
| Average earning assets | $261,307,478,000 | 5 |
| Average equity | $30,333,804,330 | 6 |
| Average total loans | $195,117,937,670 | 5 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6289% | 4,827 |
| Cost of funding earning assets | 0.8689% | 5,145 |
| Net interest margin | 3.7600% | 3,799 |
| Noninterest income to average assets | 2.4959% | 265 |
| Noninterest expense to average assets | 2.9407% | 3,889 |
| Loan and lease loss provision to assets | 0.9461% | 829 |
| Net operating income to assets | 1.3060% | 1,251 |
| Return on assets (ROA) | 1.3254% | 1,260 |
| Pretax return on assets | 1.8373% | 762 |
| Return on Equity (ROE) | 13.5969% | 1,063 |
| Retained earnings to average equity (ytd only) | 13.5969% | 512 |
| Net charge-offs to loans | 1.5822% | 856 |
| Credit loss provision to net charge-offs | 93.1389% | 2,878 |
| Earnings coverage of net charge-offs (x) | 2.7217% | 2,992 |
| Efficiency ratio | 49.2623% | 7,048 |
| Assets per employee ($millions) | 5.1602% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6031% | 1,308 |
| Loan loss allowance to noncurrent loans | 57.2685% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 3.3450% | 2,036 |
| Noncurrent loans to loans | 4.5454% | 1,531 |
| Net loans and leases to total assets | 61.6249% | 3,943 |
| Net loans and leases to deposits | 87.6151% | 1,504 |
| Net loans and leases to core deposits | 103.4354% | 1,100 |
| Total domestic deposits to total assets | 61.9669% | 7,407 |
| Equity capital to assets | 9.8692% | 3,940 |
| Core capital (leverage) ratio | 7.6716% | 6,580 |
| Tier 1 risk-based capital ratio | 9.3904% | 7,173 |
| Total risk-based capital ratio | 12.7723% | 6,064 |
| Memoranda: |
| Average total assets | $304,114,395,000 | 5 |
| Average earning assets | $259,588,550,500 | 5 |
| Average equity | $29,643,717,500 | 6 |
| Average total loans | $195,243,654,500 | 5 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9097% | 4,979 |
| Cost of funding earning assets | 0.9510% | 5,930 |
| Net interest margin | 3.9587% | 3,222 |
| Noninterest income to average assets | 2.7879% | 251 |
| Noninterest expense to average assets | 3.1729% | 3,181 |
| Loan and lease loss provision to assets | 1.4758% | 1,010 |
| Net operating income to assets | 1.0923% | 1,725 |
| Return on assets (ROA) | 1.1010% | 1,775 |
| Pretax return on assets | 1.4884% | 1,410 |
| Return on Equity (ROE) | 11.7960% | 1,366 |
| Retained earnings to average equity (ytd only) | 11.7960% | 291 |
| Net charge-offs to loans | 2.1123% | 932 |
| Credit loss provision to net charge-offs | 103.9274% | 4,326 |
| Earnings coverage of net charge-offs (x) | 2.0834% | 4,157 |
| Efficiency ratio | 49.0990% | 7,196 |
| Assets per employee ($millions) | 5.1552% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5779% | 1,311 |
| Loan loss allowance to noncurrent loans | 56.2899% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 3.4931% | 1,985 |
| Noncurrent loans to loans | 4.5796% | 1,539 |
| Net loans and leases to total assets | 63.4617% | 3,973 |
| Net loans and leases to deposits | 90.7301% | 1,434 |
| Net loans and leases to core deposits | 106.2582% | 1,177 |
| Total domestic deposits to total assets | 62.0644% | 7,479 |
| Equity capital to assets | 9.6244% | 4,247 |
| Core capital (leverage) ratio | 7.6569% | 6,578 |
| Tier 1 risk-based capital ratio | 8.9499% | 7,254 |
| Total risk-based capital ratio | 12.3777% | 6,208 |
| Memoranda: |
| Average total assets | $284,074,395,200 | 5 |
| Average earning assets | $239,930,954,800 | 5 |
| Average equity | $26,515,346,200 | 6 |
| Average total loans | $190,978,086,800 | 5 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9739% | 4,931 |
| Cost of funding earning assets | 0.9688% | 6,083 |
| Net interest margin | 4.0051% | 3,081 |
| Noninterest income to average assets | 2.7608% | 241 |
| Noninterest expense to average assets | 3.1513% | 3,106 |
| Loan and lease loss provision to assets | 1.5806% | 824 |
| Net operating income to assets | 1.0531% | 2,062 |
| Return on assets (ROA) | 1.0596% | 2,146 |
| Pretax return on assets | 1.4065% | 1,862 |
| Return on Equity (ROE) | 11.4484% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.4484% | 535 |
| Net charge-offs to loans | 2.2032% | 817 |
| Credit loss provision to net charge-offs | 105.8253% | 4,039 |
| Earnings coverage of net charge-offs (x) | 1.9976% | 4,218 |
| Efficiency ratio | 48.6541% | 7,231 |
| Assets per employee ($millions) | 4.9383% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6192% | 1,179 |
| Loan loss allowance to noncurrent loans | 57.0861% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 3.7323% | 1,905 |
| Noncurrent loans to loans | 4.5881% | 1,558 |
| Net loans and leases to total assets | 66.1482% | 3,652 |
| Net loans and leases to deposits | 96.2584% | 951 |
| Net loans and leases to core deposits | 113.9910% | 831 |
| Total domestic deposits to total assets | 60.4952% | 7,587 |
| Equity capital to assets | 9.5419% | 4,775 |
| Core capital (leverage) ratio | 6.9373% | 7,196 |
| Tier 1 risk-based capital ratio | 8.0472% | 7,477 |
| Total risk-based capital ratio | 11.6633% | 6,824 |
| Memoranda: |
| Average total assets | $279,528,108,000 | 5 |
| Average earning assets | $235,479,698,750 | 5 |
| Average equity | $25,871,534,500 | 6 |
| Average total loans | $189,498,913,250 | 5 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9693% | 5,087 |
| Cost of funding earning assets | 0.9653% | 6,312 |
| Net interest margin | 4.0040% | 3,001 |
| Noninterest income to average assets | 2.7577% | 239 |
| Noninterest expense to average assets | 3.1317% | 3,180 |
| Loan and lease loss provision to assets | 1.6991% | 740 |
| Net operating income to assets | 0.9802% | 2,263 |
| Return on assets (ROA) | 0.9849% | 2,334 |
| Pretax return on assets | 1.2995% | 2,085 |
| Return on Equity (ROE) | 10.7553% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.7553% | 698 |
| Net charge-offs to loans | 2.3110% | 767 |
| Credit loss provision to net charge-offs | 108.5258% | 3,751 |
| Earnings coverage of net charge-offs (x) | 1.9140% | 4,086 |
| Efficiency ratio | 48.3312% | 7,327 |
| Assets per employee ($millions) | 4.8744% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7131% | 1,080 |
| Loan loss allowance to noncurrent loans | 55.1984% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 3.9307% | 1,763 |
| Noncurrent loans to loans | 4.9151% | 1,413 |
| Net loans and leases to total assets | 65.4436% | 3,950 |
| Net loans and leases to deposits | 95.3955% | 1,103 |
| Net loans and leases to core deposits | 112.5191% | 1,002 |
| Total domestic deposits to total assets | 60.7449% | 7,646 |
| Equity capital to assets | 9.4406% | 4,800 |
| Core capital (leverage) ratio | 6.7035% | 7,323 |
| Tier 1 risk-based capital ratio | 7.8171% | 7,536 |
| Total risk-based capital ratio | 11.7458% | 6,674 |
| Memoranda: |
| Average total assets | $277,450,019,000 | 5 |
| Average earning assets | $233,559,857,000 | 5 |
| Average equity | $25,406,296,670 | 6 |
| Average total loans | $187,961,639,000 | 5 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9685% | 5,161 |
| Cost of funding earning assets | 0.9643% | 6,527 |
| Net interest margin | 4.0042% | 2,857 |
| Noninterest income to average assets | 2.6400% | 239 |
| Noninterest expense to average assets | 3.0178% | 3,610 |
| Loan and lease loss provision to assets | 1.8103% | 625 |
| Net operating income to assets | 0.9002% | 2,540 |
| Return on assets (ROA) | 0.9033% | 2,601 |
| Pretax return on assets | 1.1889% | 2,398 |
| Return on Equity (ROE) | 10.0203% | 2,096 |
| Retained earnings to average equity (ytd only) | 10.0203% | 1,135 |
| Net charge-offs to loans | 2.3275% | 723 |
| Credit loss provision to net charge-offs | 114.4059% | 3,039 |
| Earnings coverage of net charge-offs (x) | 1.8942% | 3,593 |
| Efficiency ratio | 47.2854% | 7,487 |
| Assets per employee ($millions) | 4.8856% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6803% | 1,099 |
| Loan loss allowance to noncurrent loans | 52.8548% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 4.0239% | 1,705 |
| Noncurrent loans to loans | 5.0711% | 1,417 |
| Net loans and leases to total assets | 65.1938% | 4,059 |
| Net loans and leases to deposits | 93.1768% | 1,453 |
| Net loans and leases to core deposits | 112.4781% | 1,132 |
| Total domestic deposits to total assets | 62.0407% | 7,717 |
| Equity capital to assets | 9.1291% | 5,090 |
| Core capital (leverage) ratio | 6.3953% | 7,501 |
| Tier 1 risk-based capital ratio | 7.5605% | 7,654 |
| Total risk-based capital ratio | 11.4149% | 6,906 |
| Memoranda: |
| Average total assets | $276,942,707,000 | 5 |
| Average earning assets | $233,433,530,500 | 5 |
| Average equity | $24,965,141,000 | 8 |
| Average total loans | $188,282,818,500 | 5 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9867% | 6,478 |
| Cost of funding earning assets | 1.2204% | 6,589 |
| Net interest margin | 3.7662% | 3,847 |
| Noninterest income to average assets | 3.0421% | 224 |
| Noninterest expense to average assets | 3.0785% | 3,837 |
| Loan and lease loss provision to assets | 2.0084% | 1,077 |
| Net operating income to assets | 0.9189% | 2,107 |
| Return on assets (ROA) | 0.8983% | 2,250 |
| Pretax return on assets | 1.1460% | 2,109 |
| Return on Equity (ROE) | 10.3676% | 1,589 |
| Retained earnings to average equity (ytd only) | 7.9577% | 712 |
| Net charge-offs to loans | 2.0099% | 1,222 |
| Credit loss provision to net charge-offs | 141.9979% | 3,403 |
| Earnings coverage of net charge-offs (x) | 2.2463% | 4,033 |
| Efficiency ratio | 46.2869% | 7,701 |
| Assets per employee ($millions) | 4.9033% | 2,335 |
| Cash dividends to net income (ytd only)* | 23.2446% | 3,570 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5305% | 1,190 |
| Loan loss allowance to noncurrent loans | 52.0608% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 3.8816% | 1,714 |
| Noncurrent loans to loans | 4.8607% | 1,407 |
| Net loans and leases to total assets | 67.2414% | 3,871 |
| Net loans and leases to deposits | 95.6685% | 1,369 |
| Net loans and leases to core deposits | 120.7407% | 1,899 |
| Total domestic deposits to total assets | 61.7820% | 7,765 |
| Equity capital to assets | 8.8995% | 5,282 |
| Core capital (leverage) ratio | 6.2691% | 7,569 |
| Tier 1 risk-based capital ratio | 7.2003% | 7,727 |
| Total risk-based capital ratio | 11.1546% | 6,927 |
| Memoranda: |
| Average total assets | $263,413,228,800 | 7 |
| Average earning assets | $224,764,952,200 | 7 |
| Average equity | $22,822,526,400 | 10 |
| Average total loans | $185,366,140,400 | 6 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9849% | 6,646 |
| Cost of funding earning assets | 1.2856% | 6,595 |
| Net interest margin | 3.6992% | 4,071 |
| Noninterest income to average assets | 3.0707% | 221 |
| Noninterest expense to average assets | 3.0410% | 3,878 |
| Loan and lease loss provision to assets | 2.0329% | 880 |
| Net operating income to assets | 0.9249% | 2,327 |
| Return on assets (ROA) | 0.9056% | 2,470 |
| Pretax return on assets | 1.1439% | 2,435 |
| Return on Equity (ROE) | 10.5288% | 1,754 |
| Retained earnings to average equity (ytd only) | 7.2520% | 1,414 |
| Net charge-offs to loans | 1.9223% | 1,036 |
| Credit loss provision to net charge-offs | 149.5046% | 3,221 |
| Earnings coverage of net charge-offs (x) | 2.3509% | 4,060 |
| Efficiency ratio | 45.8631% | 7,777 |
| Assets per employee ($millions) | 4.9242% | 2,237 |
| Cash dividends to net income (ytd only)* | 31.1222% | 2,842 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4897% | 1,074 |
| Loan loss allowance to noncurrent loans | 59.7968% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 3.3316% | 2,025 |
| Noncurrent loans to loans | 4.1636% | 1,742 |
| Net loans and leases to total assets | 68.9094% | 3,742 |
| Net loans and leases to deposits | 99.1700% | 1,192 |
| Net loans and leases to core deposits | 128.0665% | 1,575 |
| Total domestic deposits to total assets | 59.5112% | 7,886 |
| Equity capital to assets | 9.1790% | 5,201 |
| Core capital (leverage) ratio | 6.5072% | 7,673 |
| Tier 1 risk-based capital ratio | 7.2399% | 7,872 |
| Total risk-based capital ratio | 11.2369% | 6,954 |
| Memoranda: |
| Average total assets | $260,172,503,500 | 6 |
| Average earning assets | $222,737,460,750 | 6 |
| Average equity | $22,379,116,750 | 9 |
| Average total loans | $184,041,703,500 | 6 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9913% | 6,804 |
| Cost of funding earning assets | 1.3167% | 6,746 |
| Net interest margin | 3.6746% | 4,065 |
| Noninterest income to average assets | 2.9952% | 216 |
| Noninterest expense to average assets | 3.0597% | 3,844 |
| Loan and lease loss provision to assets | 1.9697% | 825 |
| Net operating income to assets | 0.8579% | 2,621 |
| Return on assets (ROA) | 0.8485% | 2,763 |
| Pretax return on assets | 1.0996% | 2,637 |
| Return on Equity (ROE) | 10.0899% | 1,990 |
| Retained earnings to average equity (ytd only) | 5.0637% | 2,475 |
| Net charge-offs to loans | 1.7941% | 1,051 |
| Credit loss provision to net charge-offs | 155.1483% | 2,964 |
| Earnings coverage of net charge-offs (x) | 2.4218% | 3,857 |
| Efficiency ratio | 46.9456% | 7,808 |
| Assets per employee ($millions) | 4.9564% | 2,134 |
| Cash dividends to net income (ytd only)* | 49.8140% | 2,058 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2604% | 1,150 |
| Loan loss allowance to noncurrent loans | 59.3345% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 3.0408% | 2,084 |
| Noncurrent loans to loans | 3.8095% | 1,798 |
| Net loans and leases to total assets | 69.2442% | 3,892 |
| Net loans and leases to deposits | 103.4039% | 953 |
| Net loans and leases to core deposits | 134.5377% | 1,288 |
| Total domestic deposits to total assets | 58.3243% | 7,974 |
| Equity capital to assets | 8.7186% | 5,729 |
| Core capital (leverage) ratio | 6.2394% | 7,872 |
| Tier 1 risk-based capital ratio | 6.9946% | 8,008 |
| Total risk-based capital ratio | 11.0811% | 7,043 |
| Memoranda: |
| Average total assets | $260,249,010,670 | 6 |
| Average earning assets | $222,329,621,330 | 6 |
| Average equity | $21,885,413,330 | 8 |
| Average total loans | $184,156,050,670 | 6 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0235% | 6,876 |
| Cost of funding earning assets | 1.3408% | 6,904 |
| Net interest margin | 3.6826% | 3,974 |
| Noninterest income to average assets | 2.9398% | 215 |
| Noninterest expense to average assets | 2.8798% | 4,231 |
| Loan and lease loss provision to assets | 1.9717% | 613 |
| Net operating income to assets | 0.9532% | 2,503 |
| Return on assets (ROA) | 0.9600% | 2,604 |
| Pretax return on assets | 1.2452% | 2,466 |
| Return on Equity (ROE) | 11.6298% | 1,780 |
| Retained earnings to average equity (ytd only) | 1.3851% | 5,079 |
| Net charge-offs to loans | 1.6491% | 878 |
| Credit loss provision to net charge-offs | 169.0685% | 2,533 |
| Earnings coverage of net charge-offs (x) | 2.7450% | 3,392 |
| Efficiency ratio | 44.4431% | 7,911 |
| Assets per employee ($millions) | 4.8799% | 2,210 |
| Cash dividends to net income (ytd only)* | 88.0899% | 909 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0539% | 1,322 |
| Loan loss allowance to noncurrent loans | 61.0151% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.6935% | 2,113 |
| Noncurrent loans to loans | 3.3663% | 1,906 |
| Net loans and leases to total assets | 69.7841% | 3,725 |
| Net loans and leases to deposits | 103.0628% | 1,088 |
| Net loans and leases to core deposits | 138.5792% | 1,168 |
| Total domestic deposits to total assets | 59.1803% | 7,985 |
| Equity capital to assets | 8.4184% | 6,204 |
| Core capital (leverage) ratio | 6.0260% | 7,999 |
| Tier 1 risk-based capital ratio | 6.7615% | 8,111 |
| Total risk-based capital ratio | 10.7986% | 7,327 |
| Memoranda: |
| Average total assets | $260,151,169,000 | 6 |
| Average earning assets | $221,903,140,500 | 6 |
| Average equity | $21,474,561,500 | 8 |
| Average total loans | $183,977,260,500 | 6 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8515% | 6,263 |
| Cost of funding earning assets | 2.1051% | 6,031 |
| Net interest margin | 3.7464% | 4,242 |
| Noninterest income to average assets | 3.0100% | 197 |
| Noninterest expense to average assets | 2.9316% | 4,330 |
| Loan and lease loss provision to assets | 1.2386% | 1,159 |
| Net operating income to assets | 1.4224% | 1,182 |
| Return on assets (ROA) | 1.3792% | 1,232 |
| Pretax return on assets | 1.9533% | 690 |
| Return on Equity (ROE) | 15.7374% | 811 |
| Retained earnings to average equity (ytd only) | 6.7810% | 1,230 |
| Net charge-offs to loans | 1.0450% | 1,176 |
| Credit loss provision to net charge-offs | 173.6863% | 2,935 |
| Earnings coverage of net charge-offs (x) | 4.5611% | 3,935 |
| Efficiency ratio | 44.4096% | 7,997 |
| Assets per employee ($millions) | 4.5209% | 2,582 |
| Cash dividends to net income (ytd only)* | 56.9112% | 2,804 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8086% | 1,611 |
| Loan loss allowance to noncurrent loans | 69.6372% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.0803% | 2,367 |
| Noncurrent loans to loans | 2.5972% | 2,087 |
| Net loans and leases to total assets | 68.9281% | 4,267 |
| Net loans and leases to deposits | 104.9174% | 1,247 |
| Net loans and leases to core deposits | 145.2284% | 1,043 |
| Total domestic deposits to total assets | 55.3980% | 8,066 |
| Equity capital to assets | 8.0929% | 6,708 |
| Core capital (leverage) ratio | 6.1463% | 8,035 |
| Tier 1 risk-based capital ratio | 6.5626% | 8,201 |
| Total risk-based capital ratio | 10.5120% | 7,493 |
| Memoranda: |
| Average total assets | $243,341,829,400 | 6 |
| Average earning assets | $206,188,807,600 | 6 |
| Average equity | $21,325,738,200 | 8 |
| Average total loans | $166,065,966,800 | 6 |
