Home > WesBanco Bank, Inc. > Performance and Condition Ratios
WesBanco Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 2,562 |
| Cost of funding earning assets | 1.4268% | 2,157 |
| Net interest margin | 3.3280% | 2,562 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.1635% | 3,214 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.0086% | 2,193 |
| Return on assets (ROA) | 1.0080% | 2,179 |
| Pretax return on assets | 1.2380% | 2,037 |
| Return on Equity (ROE) | 7.0900% | 3,260 |
| Retained earnings to average equity (ytd only) | 3.9569% | 2,972 |
| Net charge-offs to loans | 0.0416% | 1,488 |
| Credit loss provision to net charge-offs | 377.5743% | 813 |
| Earnings coverage of net charge-offs (x) | 49.9515% | 1,295 |
| Efficiency ratio | 60.2282% | 3,055 |
| Assets per employee ($millions) | 7.6005% | 1,658 |
| Cash dividends to net income (ytd only)* | 44.1909% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,721 |
| Loan loss allowance to noncurrent loans | 358.5441% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 2,160 |
| Noncurrent loans to loans | 0.3126% | 2,073 |
| Net loans and leases to total assets | 65.1800% | 2,348 |
| Net loans and leases to deposits | 85.9019% | 1,622 |
| Net loans and leases to core deposits | 88.7946% | 2,130 |
| Total domestic deposits to total assets | 75.8800% | 3,953 |
| Equity capital to assets | 14.3680% | 622 |
| Core capital (leverage) ratio | 9.9296% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9705% | 2,252 |
| Memoranda: | ||
| Average total assets | $17,286,610,800 | 106 |
| Average earning assets | $14,976,516,800 | 110 |
| Average equity | $2,457,586,800 | 84 |
| Average total loans | $11,155,617,000 | 115 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 2,546 |
| Cost of funding earning assets | 1.2929% | 2,170 |
| Net interest margin | 3.3722% | 2,516 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.1607% | 3,179 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.0557% | 2,199 |
| Return on assets (ROA) | 1.0541% | 2,195 |
| Pretax return on assets | 1.2876% | 2,079 |
| Return on Equity (ROE) | 7.4300% | 3,326 |
| Retained earnings to average equity (ytd only) | 3.7687% | 3,319 |
| Net charge-offs to loans | 0.0337% | 1,412 |
| Credit loss provision to net charge-offs | 416.6487% | 708 |
| Earnings coverage of net charge-offs (x) | 64.2813% | 1,163 |
| Efficiency ratio | 59.3608% | 3,035 |
| Assets per employee ($millions) | 7.2548% | 1,786 |
| Cash dividends to net income (ytd only)* | 49.3097% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 2,780 |
| Loan loss allowance to noncurrent loans | 329.0069% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 2,110 |
| Noncurrent loans to loans | 0.3394% | 2,015 |
| Net loans and leases to total assets | 64.7900% | 2,359 |
| Net loans and leases to deposits | 83.9150% | 1,745 |
| Net loans and leases to core deposits | 86.8959% | 2,131 |
| Total domestic deposits to total assets | 77.2100% | 3,904 |
| Equity capital to assets | 14.1111% | 630 |
| Core capital (leverage) ratio | 9.8151% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9666% | 2,280 |
| Memoranda: | ||
| Average total assets | $17,186,685,000 | 108 |
| Average earning assets | $14,878,623,250 | 113 |
| Average equity | $2,436,691,500 | 83 |
| Average total loans | $11,029,859,750 | 117 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 2,557 |
| Cost of funding earning assets | 1.1135% | 2,238 |
| Net interest margin | 3.4232% | 2,465 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.1540% | 3,204 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1054% | 2,113 |
| Return on assets (ROA) | 1.1040% | 2,106 |
| Pretax return on assets | 1.3528% | 1,938 |
| Return on Equity (ROE) | 7.7700% | 3,294 |
| Retained earnings to average equity (ytd only) | 3.0932% | 3,452 |
| Net charge-offs to loans | 0.0458% | 1,049 |
| Credit loss provision to net charge-offs | 195.0400% | 1,060 |
| Earnings coverage of net charge-offs (x) | 49.0920% | 1,295 |
| Efficiency ratio | 58.5858% | 3,119 |
| Assets per employee ($millions) | 6.9168% | 1,995 |
| Cash dividends to net income (ytd only)* | 60.2149% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,059 |
| Loan loss allowance to noncurrent loans | 327.4100% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 2,096 |
| Noncurrent loans to loans | 0.3288% | 1,952 |
| Net loans and leases to total assets | 63.7800% | 2,409 |
| Net loans and leases to deposits | 84.0367% | 1,665 |
| Net loans and leases to core deposits | 86.2318% | 2,056 |
| Total domestic deposits to total assets | 75.9000% | 4,049 |
| Equity capital to assets | 14.1150% | 634 |
| Core capital (leverage) ratio | 9.6646% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6031% | 2,433 |
| Memoranda: | ||
| Average total assets | $17,148,053,667 | 104 |
| Average earning assets | $14,848,653,333 | 109 |
| Average equity | $2,435,059,333 | 80 |
| Average total loans | $10,927,344,333 | 115 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 2,684 |
| Cost of funding earning assets | 0.8736% | 2,462 |
| Net interest margin | 3.4739% | 2,443 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.1643% | 3,210 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.0787% | 2,292 |
| Return on assets (ROA) | 1.0769% | 2,271 |
| Pretax return on assets | 1.3360% | 2,068 |
| Return on Equity (ROE) | 7.5600% | 3,396 |
| Retained earnings to average equity (ytd only) | 2.7885% | 3,550 |
| Net charge-offs to loans | 0.0710% | 723 |
| Credit loss provision to net charge-offs | 147.3163% | 956 |
| Earnings coverage of net charge-offs (x) | 31.6165% | 1,279 |
| Efficiency ratio | 58.8441% | 3,085 |
| Assets per employee ($millions) | 7.0039% | 1,981 |
| Cash dividends to net income (ytd only)* | 63.1189% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 3,111 |
| Loan loss allowance to noncurrent loans | 271.0866% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 1,827 |
| Noncurrent loans to loans | 0.4015% | 1,728 |
| Net loans and leases to total assets | 62.5800% | 2,401 |
| Net loans and leases to deposits | 82.0244% | 1,652 |
| Net loans and leases to core deposits | 83.6604% | 2,009 |
| Total domestic deposits to total assets | 76.2900% | 4,141 |
| Equity capital to assets | 14.2325% | 564 |
| Core capital (leverage) ratio | 9.7026% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6832% | 2,508 |
| Memoranda: | ||
| Average total assets | $17,065,685,500 | 109 |
| Average earning assets | $14,780,068,500 | 113 |
| Average equity | $2,430,735,000 | 83 |
| Average total loans | $10,809,666,000 | 118 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5142% | 3,041 |
| Cost of funding earning assets | 0.1949% | 3,800 |
| Net interest margin | 3.3193% | 2,517 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.0422% | 3,463 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.1999% | 1,766 |
| Return on assets (ROA) | 1.1989% | 1,709 |
| Pretax return on assets | 1.4810% | 1,510 |
| Return on Equity (ROE) | 8.1000% | 3,362 |
| Retained earnings to average equity (ytd only) | 1.1750% | 4,163 |
| Net charge-offs to loans | 0.0160% | 1,793 |
| Credit loss provision to net charge-offs | -135.9606% | 4,589 |
| Earnings coverage of net charge-offs (x) | 152.5967% | 782 |
| Efficiency ratio | 56.3673% | 3,544 |
| Assets per employee ($millions) | 6.8846% | 2,058 |
| Cash dividends to net income (ytd only)* | 85.4934% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 2,896 |
| Loan loss allowance to noncurrent loans | 269.6164% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 1,824 |
| Noncurrent loans to loans | 0.4078% | 1,703 |
| Net loans and leases to total assets | 62.7200% | 2,356 |
| Net loans and leases to deposits | 79.0534% | 1,841 |
| Net loans and leases to core deposits | 79.8736% | 2,145 |
| Total domestic deposits to total assets | 79.3400% | 3,959 |
| Equity capital to assets | 14.2545% | 548 |
| Core capital (leverage) ratio | 9.8002% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8126% | 2,446 |
| Memoranda: | ||
| Average total assets | $16,830,089,600 | 111 |
| Average earning assets | $14,611,939,600 | 117 |
| Average equity | $2,491,000,400 | 89 |
| Average total loans | $10,150,312,800 | 122 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 3,110 |
| Cost of funding earning assets | 0.1202% | 4,124 |
| Net interest margin | 3.2067% | 2,604 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.0352% | 3,387 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 1.1626% | 1,845 |
| Return on assets (ROA) | 1.1612% | 1,827 |
| Pretax return on assets | 1.4356% | 1,614 |
| Return on Equity (ROE) | 7.7700% | 3,395 |
| Retained earnings to average equity (ytd only) | 1.1642% | 4,189 |
| Net charge-offs to loans | 0.0151% | 1,565 |
| Credit loss provision to net charge-offs | -522.2812% | 4,697 |
| Earnings coverage of net charge-offs (x) | 156.0363% | 729 |
| Efficiency ratio | 57.4687% | 3,448 |
| Assets per employee ($millions) | 6.7926% | 2,100 |
| Cash dividends to net income (ytd only)* | 85.0230% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 2,954 |
| Loan loss allowance to noncurrent loans | 217.0439% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 1,627 |
| Noncurrent loans to loans | 0.5129% | 1,518 |
| Net loans and leases to total assets | 61.4700% | 2,353 |
| Net loans and leases to deposits | 74.3045% | 2,022 |
| Net loans and leases to core deposits | 75.2875% | 2,253 |
| Total domestic deposits to total assets | 82.7200% | 3,726 |
| Equity capital to assets | 14.4723% | 508 |
| Core capital (leverage) ratio | 9.7054% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1596% | 2,402 |
| Memoranda: | ||
| Average total assets | $16,813,940,500 | 112 |
| Average earning assets | $14,610,013,750 | 119 |
| Average equity | $2,511,685,250 | 90 |
| Average total loans | $10,009,309,250 | 122 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1304% | 3,238 |
| Cost of funding earning assets | 0.0914% | 4,280 |
| Net interest margin | 3.0389% | 2,764 |
| Noninterest income to average assets | 0.6183% | 1,661 |
| Noninterest expense to average assets | 1.9909% | 3,449 |
| Loan and lease loss provision to assets | -0.0503% | 4,519 |
| Net operating income to assets | 1.0744% | 1,880 |
| Return on assets (ROA) | 1.0732% | 1,855 |
| Pretax return on assets | 1.3249% | 1,659 |
| Return on Equity (ROE) | 7.1121% | 3,285 |
| Retained earnings to average equity (ytd only) | 0.8769% | 4,022 |
| Net charge-offs to loans | 0.0006% | 2,139 |
| Credit loss provision to net charge-offs | -14,448.2759% | 3,868 |
| Earnings coverage of net charge-offs (x) | 3,717.6552% | 19 |
| Efficiency ratio | 59.0653% | 3,433 |
| Assets per employee ($millions) | 6.7908% | 2,079 |
| Cash dividends to net income (ytd only)* | 87.6709% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,936 |
| Loan loss allowance to noncurrent loans | 282.7898% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 2,083 |
| Noncurrent loans to loans | 0.4058% | 1,913 |
| Net loans and leases to total assets | 60.3605% | 2,287 |
| Net loans and leases to deposits | 73.1894% | 1,942 |
| Net loans and leases to core deposits | 74.4280% | 2,136 |
| Total domestic deposits to total assets | 82.4717% | 3,945 |
| Equity capital to assets | 14.7824% | 426 |
| Core capital (leverage) ratio | 9.5787% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2264% | 2,400 |
| Memoranda: | ||
| Average total assets | $16,898,430,333 | 111 |
| Average earning assets | $14,727,588,000 | 117 |
| Average equity | $2,550,018,667 | 89 |
| Average total loans | $9,914,483,000 | 122 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0265% | 3,175 |
| Cost of funding earning assets | 0.0889% | 4,263 |
| Net interest margin | 2.9376% | 2,715 |
| Noninterest income to average assets | 0.6568% | 1,459 |
| Noninterest expense to average assets | 1.9850% | 3,465 |
| Loan and lease loss provision to assets | -0.0810% | 4,568 |
| Net operating income to assets | 1.0706% | 1,621 |
| Return on assets (ROA) | 1.0685% | 1,617 |
| Pretax return on assets | 1.3154% | 1,460 |
| Return on Equity (ROE) | 7.0099% | 3,037 |
| Retained earnings to average equity (ytd only) | 1.1339% | 3,797 |
| Net charge-offs to loans | 0.0011% | 1,799 |
| Credit loss provision to net charge-offs | -13,814.8148% | 3,586 |
| Earnings coverage of net charge-offs (x) | 1,943.8148% | 31 |
| Efficiency ratio | 59.7072% | 3,516 |
| Assets per employee ($millions) | 7.0657% | 1,947 |
| Cash dividends to net income (ytd only)* | 83.8241% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,815 |
| Loan loss allowance to noncurrent loans | 296.4784% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 2,244 |
| Noncurrent loans to loans | 0.4076% | 2,031 |
| Net loans and leases to total assets | 56.4614% | 2,488 |
| Net loans and leases to deposits | 68.5085% | 2,098 |
| Net loans and leases to core deposits | 69.9125% | 2,302 |
| Total domestic deposits to total assets | 82.4153% | 4,026 |
| Equity capital to assets | 14.8700% | 409 |
| Core capital (leverage) ratio | 9.6261% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8649% | 2,272 |
| Memoranda: | ||
| Average total assets | $16,971,237,000 | 113 |
| Average earning assets | $14,819,314,000 | 119 |
| Average equity | $2,586,790,000 | 91 |
| Average total loans | $9,756,978,000 | 121 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3108% | 3,172 |
| Cost of funding earning assets | 0.1458% | 4,017 |
| Net interest margin | 3.1650% | 2,694 |
| Noninterest income to average assets | 0.7371% | 1,633 |
| Noninterest expense to average assets | 2.0294% | 3,584 |
| Loan and lease loss provision to assets | -0.3825% | 4,802 |
| Net operating income to assets | 1.4709% | 1,080 |
| Return on assets (ROA) | 1.4714% | 1,136 |
| Pretax return on assets | 1.8499% | 811 |
| Return on Equity (ROE) | 9.1814% | 2,842 |
| Retained earnings to average equity (ytd only) | -0.1197% | 4,510 |
| Net charge-offs to loans | 0.0166% | 1,961 |
| Credit loss provision to net charge-offs | -3,615.5671% | 4,127 |
| Earnings coverage of net charge-offs (x) | 142.6574% | 690 |
| Efficiency ratio | 56.0954% | 3,700 |
| Assets per employee ($millions) | 6.9690% | 1,947 |
| Cash dividends to net income (ytd only)* | 101.3038% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,640 |
| Loan loss allowance to noncurrent loans | 277.1253% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 2,258 |
| Noncurrent loans to loans | 0.4496% | 2,011 |
| Net loans and leases to total assets | 57.1135% | 2,465 |
| Net loans and leases to deposits | 70.2133% | 2,112 |
| Net loans and leases to core deposits | 71.9213% | 2,267 |
| Total domestic deposits to total assets | 81.3428% | 4,061 |
| Equity capital to assets | 15.6185% | 420 |
| Core capital (leverage) ratio | 9.6799% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3369% | 2,110 |
| Memoranda: | ||
| Average total assets | $16,805,781,400 | 114 |
| Average earning assets | $14,650,887,000 | 117 |
| Average equity | $2,693,213,800 | 88 |
| Average total loans | $10,386,850,200 | 115 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3727% | 3,185 |
| Cost of funding earning assets | 0.1610% | 4,005 |
| Net interest margin | 3.2117% | 2,696 |
| Noninterest income to average assets | 0.7555% | 1,656 |
| Noninterest expense to average assets | 2.0330% | 3,577 |
| Loan and lease loss provision to assets | -0.4028% | 4,862 |
| Net operating income to assets | 1.5317% | 1,188 |
| Return on assets (ROA) | 1.5325% | 1,235 |
| Pretax return on assets | 1.9239% | 908 |
| Return on Equity (ROE) | 9.5020% | 2,927 |
| Retained earnings to average equity (ytd only) | 3.5679% | 3,725 |
| Net charge-offs to loans | 0.0101% | 1,943 |
| Credit loss provision to net charge-offs | -6,052.7500% | 4,160 |
| Earnings coverage of net charge-offs (x) | 239.2538% | 497 |
| Efficiency ratio | 55.2901% | 3,620 |
| Assets per employee ($millions) | 7.0552% | 1,827 |
| Cash dividends to net income (ytd only)* | 62.4508% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 2,135 |
| Loan loss allowance to noncurrent loans | 285.4859% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 2,343 |
| Noncurrent loans to loans | 0.4810% | 2,116 |
| Net loans and leases to total assets | 58.2628% | 2,452 |
| Net loans and leases to deposits | 72.2955% | 2,023 |
| Net loans and leases to core deposits | 74.1659% | 2,218 |
| Total domestic deposits to total assets | 80.5897% | 4,151 |
| Equity capital to assets | 16.1601% | 400 |
| Core capital (leverage) ratio | 10.0991% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0139% | 1,966 |
| Memoranda: | ||
| Average total assets | $16,787,526,250 | 115 |
| Average earning assets | $14,623,688,250 | 117 |
| Average equity | $2,707,462,250 | 87 |
| Average total loans | $10,543,138,250 | 115 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 3,175 |
| Cost of funding earning assets | 0.1786% | 3,964 |
| Net interest margin | 3.2249% | 2,679 |
| Noninterest income to average assets | 0.7726% | 1,609 |
| Noninterest expense to average assets | 1.9599% | 3,809 |
| Loan and lease loss provision to assets | -0.5842% | 4,918 |
| Net operating income to assets | 1.7516% | 796 |
| Return on assets (ROA) | 1.7527% | 842 |
| Pretax return on assets | 2.2070% | 568 |
| Return on Equity (ROE) | 10.8748% | 2,468 |
| Retained earnings to average equity (ytd only) | 5.4730% | 3,007 |
| Net charge-offs to loans | -0.0008% | 3,062 |
| Credit loss provision to net charge-offs | 110,092.6829% | 1 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8062% | 3,950 |
| Assets per employee ($millions) | 6.9824% | 1,825 |
| Cash dividends to net income (ytd only)* | 49.6727% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 2,175 |
| Loan loss allowance to noncurrent loans | 315.9845% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 2,590 |
| Noncurrent loans to loans | 0.4282% | 2,395 |
| Net loans and leases to total assets | 60.6521% | 2,344 |
| Net loans and leases to deposits | 75.9225% | 1,829 |
| Net loans and leases to core deposits | 77.8545% | 2,057 |
| Total domestic deposits to total assets | 79.8869% | 4,250 |
| Equity capital to assets | 16.1429% | 398 |
| Core capital (leverage) ratio | 10.0997% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7423% | 1,710 |
| Memoranda: | ||
| Average total assets | $16,769,807,667 | 114 |
| Average earning assets | $14,605,455,667 | 117 |
| Average equity | $2,702,790,333 | 87 |
| Average total loans | $10,741,366,333 | 111 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 3,072 |
| Cost of funding earning assets | 0.1948% | 3,958 |
| Net interest margin | 3.2521% | 2,543 |
| Noninterest income to average assets | 0.7447% | 1,731 |
| Noninterest expense to average assets | 1.9937% | 3,735 |
| Loan and lease loss provision to assets | -0.6698% | 4,944 |
| Net operating income to assets | 1.7951% | 793 |
| Return on assets (ROA) | 1.7962% | 846 |
| Pretax return on assets | 2.2509% | 633 |
| Return on Equity (ROE) | 11.1539% | 2,312 |
| Retained earnings to average equity (ytd only) | 6.9882% | 2,582 |
| Net charge-offs to loans | 0.0238% | 1,271 |
| Credit loss provision to net charge-offs | -3,879.4753% | 3,683 |
| Earnings coverage of net charge-offs (x) | 101.7500% | 613 |
| Efficiency ratio | 53.8529% | 3,803 |
| Assets per employee ($millions) | 6.9314% | 1,842 |
| Cash dividends to net income (ytd only)* | 37.3473% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 1,696 |
| Loan loss allowance to noncurrent loans | 336.9831% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 2,746 |
| Noncurrent loans to loans | 0.4373% | 2,546 |
| Net loans and leases to total assets | 62.8824% | 2,185 |
| Net loans and leases to deposits | 79.1883% | 1,597 |
| Net loans and leases to core deposits | 81.4526% | 1,880 |
| Total domestic deposits to total assets | 79.4088% | 4,282 |
| Equity capital to assets | 15.8747% | 399 |
| Core capital (leverage) ratio | 10.2136% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3881% | 1,778 |
| Memoranda: | ||
| Average total assets | $16,695,518,500 | 115 |
| Average earning assets | $14,521,998,000 | 118 |
| Average equity | $2,688,630,500 | 88 |
| Average total loans | $10,911,006,500 | 111 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 3,143 |
| Cost of funding earning assets | 0.3939% | 3,619 |
| Net interest margin | 3.4635% | 2,584 |
| Noninterest income to average assets | 0.7203% | 1,792 |
| Noninterest expense to average assets | 2.1121% | 3,913 |
| Loan and lease loss provision to assets | 0.6630% | 269 |
| Net operating income to assets | 0.7840% | 3,155 |
| Return on assets (ROA) | 0.7984% | 3,219 |
| Pretax return on assets | 0.9557% | 3,198 |
| Return on Equity (ROE) | 4.9869% | 3,910 |
| Retained earnings to average equity (ytd only) | 2.5267% | 3,582 |
| Net charge-offs to loans | 0.0653% | 1,848 |
| Credit loss provision to net charge-offs | 1,446.4463% | 580 |
| Earnings coverage of net charge-offs (x) | 36.9200% | 1,451 |
| Efficiency ratio | 54.6535% | 4,139 |
| Assets per employee ($millions) | 6.3615% | 2,036 |
| Cash dividends to net income (ytd only)* | 49.3325% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 1,048 |
| Loan loss allowance to noncurrent loans | 404.8695% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 2,881 |
| Noncurrent loans to loans | 0.4187% | 2,723 |
| Net loans and leases to total assets | 65.8080% | 2,121 |
| Net loans and leases to deposits | 85.1635% | 1,326 |
| Net loans and leases to core deposits | 87.7936% | 1,711 |
| Total domestic deposits to total assets | 77.2726% | 4,384 |
| Equity capital to assets | 16.3421% | 398 |
| Core capital (leverage) ratio | 9.9976% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4000% | 1,716 |
| Memoranda: | ||
| Average total assets | $16,249,632,800 | 108 |
| Average earning assets | $14,044,020,600 | 114 |
| Average equity | $2,601,450,600 | 88 |
| Average total loans | $10,787,914,400 | 108 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 3,207 |
| Cost of funding earning assets | 0.4385% | 3,590 |
| Net interest margin | 3.4755% | 2,674 |
| Noninterest income to average assets | 0.7088% | 1,769 |
| Noninterest expense to average assets | 2.1222% | 3,891 |
| Loan and lease loss provision to assets | 0.8874% | 181 |
| Net operating income to assets | 0.5941% | 3,785 |
| Return on assets (ROA) | 0.6130% | 3,822 |
| Pretax return on assets | 0.7227% | 3,851 |
| Return on Equity (ROE) | 3.8492% | 4,192 |
| Retained earnings to average equity (ytd only) | 0.5454% | 4,378 |
| Net charge-offs to loans | 0.0810% | 1,493 |
| Credit loss provision to net charge-offs | 1,543.5709% | 602 |
| Earnings coverage of net charge-offs (x) | 29.6014% | 1,596 |
| Efficiency ratio | 54.9691% | 4,042 |
| Assets per employee ($millions) | 6.4066% | 1,905 |
| Cash dividends to net income (ytd only)* | 85.8312% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 956 |
| Loan loss allowance to noncurrent loans | 389.6539% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 2,991 |
| Noncurrent loans to loans | 0.4269% | 2,779 |
| Net loans and leases to total assets | 66.2546% | 2,490 |
| Net loans and leases to deposits | 89.6820% | 1,302 |
| Net loans and leases to core deposits | 92.7432% | 1,734 |
| Total domestic deposits to total assets | 73.8773% | 4,573 |
| Equity capital to assets | 15.9098% | 477 |
| Core capital (leverage) ratio | 9.5190% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4705% | 2,011 |
| Memoranda: | ||
| Average total assets | $16,218,427,000 | 105 |
| Average earning assets | $14,005,636,500 | 113 |
| Average equity | $2,582,832,250 | 86 |
| Average total loans | $10,744,509,500 | 107 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 3,360 |
| Cost of funding earning assets | 0.4943% | 3,571 |
| Net interest margin | 3.4931% | 2,809 |
| Noninterest income to average assets | 0.6703% | 1,856 |
| Noninterest expense to average assets | 2.1215% | 3,981 |
| Loan and lease loss provision to assets | 1.1373% | 158 |
| Net operating income to assets | 0.3672% | 4,296 |
| Return on assets (ROA) | 0.3950% | 4,299 |
| Pretax return on assets | 0.4587% | 4,318 |
| Return on Equity (ROE) | 2.4794% | 4,449 |
| Retained earnings to average equity (ytd only) | -2.5053% | 4,624 |
| Net charge-offs to loans | 0.1254% | 1,095 |
| Credit loss provision to net charge-offs | 1,264.8994% | 678 |
| Earnings coverage of net charge-offs (x) | 18.9282% | 1,747 |
| Efficiency ratio | 55.3027% | 4,031 |
| Assets per employee ($millions) | 6.3376% | 1,917 |
| Cash dividends to net income (ytd only)* | 201.0429% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 1,223 |
| Loan loss allowance to noncurrent loans | 232.4787% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 2,553 |
| Noncurrent loans to loans | 0.6510% | 2,230 |
| Net loans and leases to total assets | 65.5765% | 2,688 |
| Net loans and leases to deposits | 89.9616% | 1,358 |
| Net loans and leases to core deposits | 93.4335% | 1,793 |
| Total domestic deposits to total assets | 72.8938% | 4,655 |
| Equity capital to assets | 15.2656% | 576 |
| Core capital (leverage) ratio | 8.9879% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5604% | 2,374 |
| Memoranda: | ||
| Average total assets | $16,119,149,000 | 107 |
| Average earning assets | $13,912,472,667 | 111 |
| Average equity | $2,567,877,000 | 87 |
| Average total loans | $10,616,714,667 | 106 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 3,267 |
| Cost of funding earning assets | 0.5966% | 3,453 |
| Net interest margin | 3.5886% | 2,702 |
| Noninterest income to average assets | 0.6238% | 1,933 |
| Noninterest expense to average assets | 2.2332% | 3,926 |
| Loan and lease loss provision to assets | 0.7540% | 338 |
| Net operating income to assets | 0.6235% | 3,532 |
| Return on assets (ROA) | 0.6463% | 3,520 |
| Pretax return on assets | 0.7547% | 3,536 |
| Return on Equity (ROE) | 3.9695% | 3,961 |
| Retained earnings to average equity (ytd only) | -1.0000% | 4,139 |
| Net charge-offs to loans | 0.1821% | 742 |
| Credit loss provision to net charge-offs | 595.2502% | 796 |
| Earnings coverage of net charge-offs (x) | 12.4296% | 1,694 |
| Efficiency ratio | 57.8135% | 4,026 |
| Assets per employee ($millions) | 5.9972% | 1,687 |
| Cash dividends to net income (ytd only)* | 125.1907% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,213 |
| Loan loss allowance to noncurrent loans | 198.0416% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 2,970 |
| Noncurrent loans to loans | 0.5547% | 2,615 |
| Net loans and leases to total assets | 64.4428% | 3,013 |
| Net loans and leases to deposits | 93.1584% | 1,162 |
| Net loans and leases to core deposits | 97.8460% | 1,642 |
| Total domestic deposits to total assets | 69.1755% | 4,887 |
| Equity capital to assets | 16.1516% | 558 |
| Core capital (leverage) ratio | 9.6028% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1986% | 2,623 |
| Memoranda: | ||
| Average total assets | $15,819,461,000 | 108 |
| Average earning assets | $13,628,511,000 | 110 |
| Average equity | $2,575,725,000 | 88 |
| Average total loans | $10,359,125,500 | 107 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 3,635 |
| Cost of funding earning assets | 0.6868% | 3,226 |
| Net interest margin | 3.5766% | 3,209 |
| Noninterest income to average assets | 0.7996% | 1,458 |
| Noninterest expense to average assets | 2.2634% | 4,038 |
| Loan and lease loss provision to assets | 0.0842% | 2,322 |
| Net operating income to assets | 1.2656% | 1,822 |
| Return on assets (ROA) | 1.2855% | 1,826 |
| Pretax return on assets | 1.5708% | 1,583 |
| Return on Equity (ROE) | 7.8523% | 3,225 |
| Retained earnings to average equity (ytd only) | 3.1119% | 3,464 |
| Net charge-offs to loans | 0.0920% | 1,808 |
| Credit loss provision to net charge-offs | 145.8993% | 1,757 |
| Earnings coverage of net charge-offs (x) | 28.2609% | 1,634 |
| Efficiency ratio | 56.1075% | 4,186 |
| Assets per employee ($millions) | 5.8749% | 1,738 |
| Cash dividends to net income (ytd only)* | 60.3697% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5082% | 4,880 |
| Loan loss allowance to noncurrent loans | 92.6913% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 2,858 |
| Noncurrent loans to loans | 0.5483% | 2,529 |
| Net loans and leases to total assets | 65.4798% | 3,016 |
| Net loans and leases to deposits | 93.2686% | 1,219 |
| Net loans and leases to core deposits | 98.0219% | 1,723 |
| Total domestic deposits to total assets | 70.2057% | 4,925 |
| Equity capital to assets | 16.4148% | 539 |
| Core capital (leverage) ratio | 11.1241% | 2,395 |
| Tier 1 risk-based capital ratio | 12.7361% | 3,927 |
| Total risk-based capital ratio | 13.4404% | 4,134 |
| Memoranda: | ||
| Average total assets | $13,143,346,000 | 117 |
| Average earning assets | $11,371,980,000 | 122 |
| Average equity | $2,151,725,800 | 101 |
| Average total loans | $8,241,310,800 | 130 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 3,395 |
| Cost of funding earning assets | 0.7187% | 3,117 |
| Net interest margin | 3.6702% | 3,026 |
| Noninterest income to average assets | 0.8069% | 1,397 |
| Noninterest expense to average assets | 2.2509% | 4,066 |
| Loan and lease loss provision to assets | 0.0903% | 2,096 |
| Net operating income to assets | 1.3350% | 1,702 |
| Return on assets (ROA) | 1.3622% | 1,672 |
| Pretax return on assets | 1.6754% | 1,405 |
| Return on Equity (ROE) | 8.3274% | 3,185 |
| Retained earnings to average equity (ytd only) | 3.4410% | 3,693 |
| Net charge-offs to loans | 0.0537% | 2,065 |
| Credit loss provision to net charge-offs | 272.7477% | 1,020 |
| Earnings coverage of net charge-offs (x) | 52.2956% | 1,151 |
| Efficiency ratio | 54.5286% | 4,332 |
| Assets per employee ($millions) | 5.4777% | 2,050 |
| Cash dividends to net income (ytd only)* | 58.6790% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6980% | 4,662 |
| Loan loss allowance to noncurrent loans | 134.8620% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 3,105 |
| Noncurrent loans to loans | 0.5175% | 2,738 |
| Net loans and leases to total assets | 61.5260% | 3,543 |
| Net loans and leases to deposits | 89.1876% | 1,791 |
| Net loans and leases to core deposits | 92.1685% | 2,347 |
| Total domestic deposits to total assets | 68.9850% | 5,030 |
| Equity capital to assets | 16.6569% | 530 |
| Core capital (leverage) ratio | 10.1101% | 3,523 |
| Tier 1 risk-based capital ratio | 13.6369% | 3,511 |
| Total risk-based capital ratio | 14.5860% | 3,561 |
| Memoranda: | ||
| Average total assets | $12,510,592,250 | 124 |
| Average earning assets | $10,826,527,250 | 124 |
| Average equity | $2,046,428,250 | 104 |
| Average total loans | $7,722,645,500 | 135 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 3,298 |
| Cost of funding earning assets | 0.7120% | 3,103 |
| Net interest margin | 3.7011% | 2,927 |
| Noninterest income to average assets | 0.8223% | 1,276 |
| Noninterest expense to average assets | 2.2717% | 4,078 |
| Loan and lease loss provision to assets | 0.0677% | 2,460 |
| Net operating income to assets | 1.3732% | 1,505 |
| Return on assets (ROA) | 1.4092% | 1,464 |
| Pretax return on assets | 1.7343% | 1,205 |
| Return on Equity (ROE) | 8.6684% | 2,993 |
| Retained earnings to average equity (ytd only) | 3.8436% | 3,321 |
| Net charge-offs to loans | 0.0602% | 1,786 |
| Credit loss provision to net charge-offs | 182.4418% | 1,301 |
| Earnings coverage of net charge-offs (x) | 47.3637% | 1,137 |
| Efficiency ratio | 54.4072% | 4,420 |
| Assets per employee ($millions) | 5.3835% | 2,066 |
| Cash dividends to net income (ytd only)* | 55.6597% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 4,791 |
| Loan loss allowance to noncurrent loans | 142.9025% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 3,235 |
| Noncurrent loans to loans | 0.4586% | 2,906 |
| Net loans and leases to total assets | 61.8385% | 3,558 |
| Net loans and leases to deposits | 88.6681% | 1,917 |
| Net loans and leases to core deposits | 92.4332% | 2,373 |
| Total domestic deposits to total assets | 69.7415% | 5,054 |
| Equity capital to assets | 16.6231% | 512 |
| Core capital (leverage) ratio | 9.9649% | 3,616 |
| Tier 1 risk-based capital ratio | 13.7266% | 3,466 |
| Total risk-based capital ratio | 14.6539% | 3,532 |
| Memoranda: | ||
| Average total assets | $12,494,007,670 | 123 |
| Average earning assets | $10,825,458,000 | 125 |
| Average equity | $2,031,181,330 | 104 |
| Average total loans | $7,702,794,330 | 134 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 3,250 |
| Cost of funding earning assets | 0.6982% | 3,064 |
| Net interest margin | 3.6962% | 2,907 |
| Noninterest income to average assets | 0.8112% | 1,269 |
| Noninterest expense to average assets | 2.3287% | 3,949 |
| Loan and lease loss provision to assets | 0.0412% | 2,804 |
| Net operating income to assets | 1.3430% | 1,544 |
| Return on assets (ROA) | 1.3453% | 1,580 |
| Pretax return on assets | 1.6499% | 1,345 |
| Return on Equity (ROE) | 8.3691% | 3,086 |
| Retained earnings to average equity (ytd only) | 3.5942% | 3,481 |
| Net charge-offs to loans | 0.0714% | 1,345 |
| Credit loss provision to net charge-offs | 94.0146% | 1,680 |
| Earnings coverage of net charge-offs (x) | 38.5314% | 1,171 |
| Efficiency ratio | 55.9750% | 4,337 |
| Assets per employee ($millions) | 5.4859% | 1,992 |
| Cash dividends to net income (ytd only)* | 57.0546% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6364% | 4,872 |
| Loan loss allowance to noncurrent loans | 148.2270% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 3,370 |
| Noncurrent loans to loans | 0.4293% | 3,043 |
| Net loans and leases to total assets | 60.6792% | 3,642 |
| Net loans and leases to deposits | 85.5637% | 2,181 |
| Net loans and leases to core deposits | 89.3185% | 2,574 |
| Total domestic deposits to total assets | 70.9170% | 5,082 |
| Equity capital to assets | 16.1401% | 553 |
| Core capital (leverage) ratio | 9.7360% | 3,881 |
| Tier 1 risk-based capital ratio | 13.5589% | 3,575 |
| Total risk-based capital ratio | 14.4709% | 3,661 |
| Memoranda: | ||
| Average total assets | $12,506,958,500 | 122 |
| Average earning assets | $10,847,225,000 | 125 |
| Average equity | $2,010,482,000 | 105 |
| Average total loans | $7,673,717,000 | 136 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 3,306 |
| Cost of funding earning assets | 0.6237% | 2,562 |
| Net interest margin | 3.6189% | 3,315 |
| Noninterest income to average assets | 0.8205% | 1,395 |
| Noninterest expense to average assets | 2.2503% | 4,225 |
| Loan and lease loss provision to assets | 0.0679% | 2,784 |
| Net operating income to assets | 1.3569% | 1,589 |
| Return on assets (ROA) | 1.3569% | 1,580 |
| Pretax return on assets | 1.6696% | 1,250 |
| Return on Equity (ROE) | 9.0989% | 2,947 |
| Retained earnings to average equity (ytd only) | 3.9443% | 3,405 |
| Net charge-offs to loans | 0.0562% | 2,338 |
| Credit loss provision to net charge-offs | 193.1604% | 1,484 |
| Earnings coverage of net charge-offs (x) | 49.4223% | 1,147 |
| Efficiency ratio | 54.8717% | 4,535 |
| Assets per employee ($millions) | 5.2870% | 2,162 |
| Cash dividends to net income (ytd only)* | 56.6505% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 4,910 |
| Loan loss allowance to noncurrent loans | 140.7199% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,202 |
| Noncurrent loans to loans | 0.4536% | 2,910 |
| Net loans and leases to total assets | 61.2529% | 3,639 |
| Net loans and leases to deposits | 86.2758% | 2,239 |
| Net loans and leases to core deposits | 90.1870% | 2,562 |
| Total domestic deposits to total assets | 70.9967% | 5,119 |
| Equity capital to assets | 16.0090% | 532 |
| Core capital (leverage) ratio | 9.4764% | 4,140 |
| Tier 1 risk-based capital ratio | 13.2986% | 3,660 |
| Total risk-based capital ratio | 14.1971% | 3,762 |
| Memoranda: | ||
| Average total assets | $11,187,534,400 | 126 |
| Average earning assets | $9,791,281,600 | 127 |
| Average equity | $1,668,428,400 | 110 |
| Average total loans | $6,993,666,600 | 144 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,609 |
| Cost of funding earning assets | 0.6031% | 2,453 |
| Net interest margin | 3.5051% | 3,680 |
| Noninterest income to average assets | 0.8246% | 1,396 |
| Noninterest expense to average assets | 2.2496% | 4,219 |
| Loan and lease loss provision to assets | 0.0589% | 2,798 |
| Net operating income to assets | 1.2999% | 1,859 |
| Return on assets (ROA) | 1.2996% | 1,858 |
| Pretax return on assets | 1.5904% | 1,614 |
| Return on Equity (ROE) | 8.9017% | 3,128 |
| Retained earnings to average equity (ytd only) | 3.6110% | 3,963 |
| Net charge-offs to loans | 0.0231% | 2,675 |
| Credit loss provision to net charge-offs | 405.8326% | 816 |
| Earnings coverage of net charge-offs (x) | 113.7298% | 680 |
| Efficiency ratio | 56.3736% | 4,334 |
| Assets per employee ($millions) | 5.3066% | 2,116 |
| Cash dividends to net income (ytd only)* | 59.4351% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6281% | 5,002 |
| Loan loss allowance to noncurrent loans | 145.0022% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 3,393 |
| Noncurrent loans to loans | 0.4332% | 3,106 |
| Net loans and leases to total assets | 61.5698% | 3,690 |
| Net loans and leases to deposits | 86.5151% | 2,320 |
| Net loans and leases to core deposits | 91.6008% | 2,519 |
| Total domestic deposits to total assets | 71.1666% | 5,174 |
| Equity capital to assets | 15.4894% | 617 |
| Core capital (leverage) ratio | 10.0928% | 3,531 |
| Tier 1 risk-based capital ratio | 12.6510% | 4,121 |
| Total risk-based capital ratio | 13.5305% | 4,219 |
| Memoranda: | ||
| Average total assets | $10,874,355,000 | 126 |
| Average earning assets | $9,538,846,250 | 128 |
| Average equity | $1,587,644,500 | 114 |
| Average total loans | $6,824,841,000 | 145 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 3,538 |
| Cost of funding earning assets | 0.5816% | 2,351 |
| Net interest margin | 3.4944% | 3,651 |
| Noninterest income to average assets | 0.8378% | 1,358 |
| Noninterest expense to average assets | 2.1694% | 4,440 |
| Loan and lease loss provision to assets | 0.0745% | 2,397 |
| Net operating income to assets | 1.3627% | 1,560 |
| Return on assets (ROA) | 1.3615% | 1,566 |
| Pretax return on assets | 1.6758% | 1,282 |
| Return on Equity (ROE) | 9.5618% | 2,768 |
| Retained earnings to average equity (ytd only) | 3.9762% | 3,622 |
| Net charge-offs to loans | 0.0458% | 1,955 |
| Credit loss provision to net charge-offs | 258.0927% | 1,115 |
| Earnings coverage of net charge-offs (x) | 60.6535% | 991 |
| Efficiency ratio | 54.1459% | 4,676 |
| Assets per employee ($millions) | 5.4479% | 1,943 |
| Cash dividends to net income (ytd only)* | 58.4162% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6997% | 4,944 |
| Loan loss allowance to noncurrent loans | 140.6246% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 3,353 |
| Noncurrent loans to loans | 0.4976% | 2,936 |
| Net loans and leases to total assets | 61.9259% | 3,611 |
| Net loans and leases to deposits | 88.1527% | 2,092 |
| Net loans and leases to core deposits | 93.1975% | 2,296 |
| Total domestic deposits to total assets | 70.2485% | 5,266 |
| Equity capital to assets | 14.1211% | 902 |
| Core capital (leverage) ratio | 9.0513% | 4,646 |
| Tier 1 risk-based capital ratio | 12.6366% | 4,106 |
| Total risk-based capital ratio | 13.6333% | 4,145 |
| Memoranda: | ||
| Average total assets | $10,310,425,670 | 129 |
| Average earning assets | $9,097,899,670 | 130 |
| Average equity | $1,468,053,000 | 121 |
| Average total loans | $6,504,504,330 | 147 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9186% | 3,877 |
| Cost of funding earning assets | 0.5250% | 2,588 |
| Net interest margin | 3.3937% | 3,905 |
| Noninterest income to average assets | 0.8792% | 1,205 |
| Noninterest expense to average assets | 2.0829% | 4,693 |
| Loan and lease loss provision to assets | 0.0845% | 2,117 |
| Net operating income to assets | 1.3990% | 1,347 |
| Return on assets (ROA) | 1.3969% | 1,357 |
| Pretax return on assets | 1.7043% | 1,103 |
| Return on Equity (ROE) | 9.7667% | 2,554 |
| Retained earnings to average equity (ytd only) | 4.1771% | 3,520 |
| Net charge-offs to loans | 0.0669% | 1,439 |
| Credit loss provision to net charge-offs | 198.7770% | 1,053 |
| Earnings coverage of net charge-offs (x) | 42.1571% | 1,040 |
| Efficiency ratio | 52.6517% | 4,913 |
| Assets per employee ($millions) | 5.3713% | 2,070 |
| Cash dividends to net income (ytd only)* | 57.2312% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 4,962 |
| Loan loss allowance to noncurrent loans | 136.4169% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 3,341 |
| Noncurrent loans to loans | 0.5358% | 2,919 |
| Net loans and leases to total assets | 61.5650% | 3,602 |
| Net loans and leases to deposits | 87.0760% | 2,046 |
| Net loans and leases to core deposits | 91.4337% | 2,338 |
| Total domestic deposits to total assets | 70.7025% | 5,343 |
| Equity capital to assets | 14.0043% | 893 |
| Core capital (leverage) ratio | 9.4161% | 4,168 |
| Tier 1 risk-based capital ratio | 12.7528% | 4,088 |
| Total risk-based capital ratio | 13.7896% | 4,119 |
| Memoranda: | ||
| Average total assets | $10,006,834,500 | 130 |
| Average earning assets | $8,831,280,500 | 131 |
| Average equity | $1,431,237,000 | 122 |
| Average total loans | $6,352,522,000 | 147 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 3,852 |
| Cost of funding earning assets | 0.4210% | 3,045 |
| Net interest margin | 3.4399% | 3,726 |
| Noninterest income to average assets | 0.8148% | 1,512 |
| Noninterest expense to average assets | 2.1556% | 4,634 |
| Loan and lease loss provision to assets | 0.1017% | 2,191 |
| Net operating income to assets | 0.9894% | 2,294 |
| Return on assets (ROA) | 0.9931% | 2,312 |
| Pretax return on assets | 1.5859% | 1,332 |
| Return on Equity (ROE) | 6.8481% | 3,354 |
| Retained earnings to average equity (ytd only) | 1.7890% | 4,247 |
| Net charge-offs to loans | 0.1317% | 1,736 |
| Credit loss provision to net charge-offs | 119.2285% | 2,198 |
| Earnings coverage of net charge-offs (x) | 19.7119% | 2,007 |
| Efficiency ratio | 54.8701% | 4,869 |
| Assets per employee ($millions) | 5.1429% | 2,319 |
| Cash dividends to net income (ytd only)* | 73.8765% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 5,047 |
| Loan loss allowance to noncurrent loans | 114.4952% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 3,040 |
| Noncurrent loans to loans | 0.6213% | 2,675 |
| Net loans and leases to total assets | 64.5471% | 3,293 |
| Net loans and leases to deposits | 89.7259% | 1,809 |
| Net loans and leases to core deposits | 94.9144% | 2,118 |
| Total domestic deposits to total assets | 71.9381% | 5,325 |
| Equity capital to assets | 14.6140% | 752 |
| Core capital (leverage) ratio | 9.3240% | 4,257 |
| Tier 1 risk-based capital ratio | 12.6561% | 4,114 |
| Total risk-based capital ratio | 13.6910% | 4,144 |
| Memoranda: | ||
| Average total assets | $9,813,518,600 | 124 |
| Average earning assets | $8,623,090,800 | 132 |
| Average equity | $1,423,167,600 | 113 |
| Average total loans | $6,357,404,400 | 137 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 3,890 |
| Cost of funding earning assets | 0.4037% | 3,151 |
| Net interest margin | 3.4295% | 3,740 |
| Noninterest income to average assets | 0.8010% | 1,580 |
| Noninterest expense to average assets | 2.1636% | 4,607 |
| Loan and lease loss provision to assets | 0.1023% | 2,064 |
| Net operating income to assets | 1.0948% | 2,112 |
| Return on assets (ROA) | 1.0997% | 2,145 |
| Pretax return on assets | 1.5543% | 1,562 |
| Return on Equity (ROE) | 7.5979% | 3,344 |
| Retained earnings to average equity (ytd only) | 2.5319% | 4,378 |
| Net charge-offs to loans | 0.1200% | 1,591 |
| Credit loss provision to net charge-offs | 131.6903% | 1,872 |
| Earnings coverage of net charge-offs (x) | 21.2354% | 1,922 |
| Efficiency ratio | 55.4175% | 4,800 |
| Assets per employee ($millions) | 5.1773% | 2,249 |
| Cash dividends to net income (ytd only)* | 66.6765% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 5,119 |
| Loan loss allowance to noncurrent loans | 112.0038% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 3,167 |
| Noncurrent loans to loans | 0.6341% | 2,806 |
| Net loans and leases to total assets | 64.2705% | 3,351 |
| Net loans and leases to deposits | 89.5369% | 1,868 |
| Net loans and leases to core deposits | 94.8184% | 2,188 |
| Total domestic deposits to total assets | 71.7811% | 5,390 |
| Equity capital to assets | 14.5311% | 848 |
| Core capital (leverage) ratio | 9.2169% | 4,498 |
| Tier 1 risk-based capital ratio | 12.2911% | 4,437 |
| Total risk-based capital ratio | 13.3146% | 4,459 |
| Memoranda: | ||
| Average total assets | $9,818,860,750 | 125 |
| Average earning assets | $8,624,250,500 | 131 |
| Average equity | $1,421,204,250 | 113 |
| Average total loans | $6,355,296,750 | 136 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7763% | 3,975 |
| Cost of funding earning assets | 0.3805% | 3,285 |
| Net interest margin | 3.3958% | 3,788 |
| Noninterest income to average assets | 0.8211% | 1,495 |
| Noninterest expense to average assets | 2.1643% | 4,641 |
| Loan and lease loss provision to assets | 0.1035% | 1,957 |
| Net operating income to assets | 1.0854% | 2,058 |
| Return on assets (ROA) | 1.0927% | 2,068 |
| Pretax return on assets | 1.5445% | 1,509 |
| Return on Equity (ROE) | 7.5596% | 3,263 |
| Retained earnings to average equity (ytd only) | 2.4738% | 4,207 |
| Net charge-offs to loans | 0.1209% | 1,442 |
| Credit loss provision to net charge-offs | 132.2202% | 1,663 |
| Earnings coverage of net charge-offs (x) | 20.9228% | 1,770 |
| Efficiency ratio | 55.5855% | 4,869 |
| Assets per employee ($millions) | 5.1097% | 2,263 |
| Cash dividends to net income (ytd only)* | 67.2759% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6999% | 5,214 |
| Loan loss allowance to noncurrent loans | 110.9851% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 3,182 |
| Noncurrent loans to loans | 0.6306% | 2,838 |
| Net loans and leases to total assets | 64.7110% | 3,286 |
| Net loans and leases to deposits | 90.0804% | 1,718 |
| Net loans and leases to core deposits | 95.3809% | 2,039 |
| Total domestic deposits to total assets | 71.8370% | 5,463 |
| Equity capital to assets | 14.4935% | 826 |
| Core capital (leverage) ratio | 9.1617% | 4,542 |
| Tier 1 risk-based capital ratio | 12.1294% | 4,549 |
| Total risk-based capital ratio | 13.1443% | 4,599 |
| Memoranda: | ||
| Average total assets | $9,793,906,000 | 123 |
| Average earning assets | $8,597,156,330 | 131 |
| Average equity | $1,415,715,330 | 113 |
| Average total loans | $6,338,983,670 | 135 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 3,987 |
| Cost of funding earning assets | 0.3619% | 3,387 |
| Net interest margin | 3.3734% | 3,740 |
| Noninterest income to average assets | 0.8478% | 1,407 |
| Noninterest expense to average assets | 2.1401% | 4,773 |
| Loan and lease loss provision to assets | 0.1120% | 1,717 |
| Net operating income to assets | 1.0958% | 1,890 |
| Return on assets (ROA) | 1.0962% | 1,929 |
| Pretax return on assets | 1.5564% | 1,356 |
| Return on Equity (ROE) | 7.5936% | 3,120 |
| Retained earnings to average equity (ytd only) | 2.4873% | 4,146 |
| Net charge-offs to loans | 0.1490% | 1,068 |
| Credit loss provision to net charge-offs | 116.4891% | 1,427 |
| Earnings coverage of net charge-offs (x) | 17.3528% | 1,602 |
| Efficiency ratio | 54.8437% | 5,058 |
| Assets per employee ($millions) | 5.1419% | 2,252 |
| Cash dividends to net income (ytd only)* | 67.2445% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 5,317 |
| Loan loss allowance to noncurrent loans | 104.6381% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 3,179 |
| Noncurrent loans to loans | 0.6654% | 2,842 |
| Net loans and leases to total assets | 64.2919% | 3,233 |
| Net loans and leases to deposits | 87.9331% | 1,806 |
| Net loans and leases to core deposits | 92.8590% | 2,083 |
| Total domestic deposits to total assets | 73.1146% | 5,479 |
| Equity capital to assets | 14.4811% | 760 |
| Core capital (leverage) ratio | 9.1033% | 4,614 |
| Tier 1 risk-based capital ratio | 12.0574% | 4,673 |
| Total risk-based capital ratio | 13.0643% | 4,747 |
| Memoranda: | ||
| Average total assets | $9,767,681,500 | 121 |
| Average earning assets | $8,570,977,000 | 130 |
| Average equity | $1,410,032,500 | 111 |
| Average total loans | $6,300,183,500 | 135 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 4,443 |
| Cost of funding earning assets | 0.3641% | 3,376 |
| Net interest margin | 3.2621% | 4,256 |
| Noninterest income to average assets | 0.7896% | 1,787 |
| Noninterest expense to average assets | 2.1895% | 4,795 |
| Loan and lease loss provision to assets | 0.0948% | 2,470 |
| Net operating income to assets | 1.0034% | 2,340 |
| Return on assets (ROA) | 1.0225% | 2,354 |
| Pretax return on assets | 1.3994% | 1,941 |
| Return on Equity (ROE) | 7.2003% | 3,371 |
| Retained earnings to average equity (ytd only) | 0.5418% | 5,111 |
| Net charge-offs to loans | 0.1173% | 2,085 |
| Credit loss provision to net charge-offs | 129.9573% | 2,069 |
| Earnings coverage of net charge-offs (x) | 20.1274% | 1,869 |
| Efficiency ratio | 58.7831% | 4,749 |
| Assets per employee ($millions) | 5.1616% | 2,223 |
| Cash dividends to net income (ytd only)* | 92.4747% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6963% | 5,366 |
| Loan loss allowance to noncurrent loans | 122.1206% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,462 |
| Noncurrent loans to loans | 0.5702% | 3,129 |
| Net loans and leases to total assets | 63.8101% | 3,381 |
| Net loans and leases to deposits | 88.4311% | 1,871 |
| Net loans and leases to core deposits | 93.1688% | 2,192 |
| Total domestic deposits to total assets | 72.1580% | 5,547 |
| Equity capital to assets | 14.3902% | 769 |
| Core capital (leverage) ratio | 9.0179% | 4,720 |
| Tier 1 risk-based capital ratio | 12.0960% | 4,663 |
| Total risk-based capital ratio | 13.1112% | 4,713 |
| Memoranda: | ||
| Average total assets | $8,989,089,400 | 131 |
| Average earning assets | $7,902,518,000 | 133 |
| Average equity | $1,276,578,800 | 114 |
| Average total loans | $5,589,187,400 | 145 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5428% | 4,700 |
| Cost of funding earning assets | 0.3640% | 3,398 |
| Net interest margin | 3.1788% | 4,548 |
| Noninterest income to average assets | 0.7844% | 1,829 |
| Noninterest expense to average assets | 2.1325% | 4,929 |
| Loan and lease loss provision to assets | 0.0968% | 2,289 |
| Net operating income to assets | 0.9886% | 2,487 |
| Return on assets (ROA) | 1.0140% | 2,505 |
| Pretax return on assets | 1.3863% | 2,089 |
| Return on Equity (ROE) | 7.1664% | 3,469 |
| Retained earnings to average equity (ytd only) | -0.0648% | 5,365 |
| Net charge-offs to loans | 0.1314% | 1,654 |
| Credit loss provision to net charge-offs | 119.5620% | 2,092 |
| Earnings coverage of net charge-offs (x) | 17.8867% | 2,030 |
| Efficiency ratio | 58.6094% | 4,735 |
| Assets per employee ($millions) | 5.1549% | 2,183 |
| Cash dividends to net income (ytd only)* | 100.9044% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6827% | 5,458 |
| Loan loss allowance to noncurrent loans | 127.8903% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 3,713 |
| Noncurrent loans to loans | 0.5338% | 3,394 |
| Net loans and leases to total assets | 63.4705% | 3,461 |
| Net loans and leases to deposits | 86.9551% | 2,146 |
| Net loans and leases to core deposits | 91.9040% | 2,389 |
| Total domestic deposits to total assets | 72.9922% | 5,523 |
| Equity capital to assets | 14.4829% | 878 |
| Core capital (leverage) ratio | 10.1144% | 3,424 |
| Tier 1 risk-based capital ratio | 11.9940% | 4,790 |
| Total risk-based capital ratio | 12.9959% | 4,854 |
| Memoranda: | ||
| Average total assets | $8,796,222,500 | 132 |
| Average earning assets | $7,737,999,750 | 135 |
| Average equity | $1,244,581,750 | 118 |
| Average total loans | $5,418,510,250 | 148 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 4,502 |
| Cost of funding earning assets | 0.3747% | 3,305 |
| Net interest margin | 3.2567% | 4,358 |
| Noninterest income to average assets | 0.7854% | 1,782 |
| Noninterest expense to average assets | 2.0601% | 5,145 |
| Loan and lease loss provision to assets | 0.0984% | 2,191 |
| Net operating income to assets | 1.0860% | 2,007 |
| Return on assets (ROA) | 1.1152% | 2,020 |
| Pretax return on assets | 1.5368% | 1,562 |
| Return on Equity (ROE) | 7.9546% | 2,999 |
| Retained earnings to average equity (ytd only) | -0.4746% | 5,363 |
| Net charge-offs to loans | 0.0991% | 1,846 |
| Credit loss provision to net charge-offs | 163.5756% | 1,506 |
| Earnings coverage of net charge-offs (x) | 26.5183% | 1,487 |
| Efficiency ratio | 55.4535% | 5,200 |
| Assets per employee ($millions) | 5.1849% | 2,098 |
| Cash dividends to net income (ytd only)* | 105.9659% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 5,177 |
| Loan loss allowance to noncurrent loans | 123.3467% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 3,642 |
| Noncurrent loans to loans | 0.6774% | 3,040 |
| Net loans and leases to total assets | 61.3692% | 3,696 |
| Net loans and leases to deposits | 86.7265% | 2,166 |
| Net loans and leases to core deposits | 94.4413% | 2,115 |
| Total domestic deposits to total assets | 70.7618% | 5,744 |
| Equity capital to assets | 14.2040% | 960 |
| Core capital (leverage) ratio | 8.7624% | 5,098 |
| Tier 1 risk-based capital ratio | 12.2861% | 4,656 |
| Total risk-based capital ratio | 13.0586% | 4,846 |
| Memoranda: | ||
| Average total assets | $8,461,837,000 | 135 |
| Average earning assets | $7,456,605,670 | 140 |
| Average equity | $1,186,363,670 | 125 |
| Average total loans | $5,137,191,670 | 154 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6168% | 4,577 |
| Cost of funding earning assets | 0.3722% | 3,374 |
| Net interest margin | 3.2445% | 4,417 |
| Noninterest income to average assets | 0.7581% | 1,785 |
| Noninterest expense to average assets | 2.0103% | 5,308 |
| Loan and lease loss provision to assets | 0.1104% | 1,888 |
| Net operating income to assets | 1.0767% | 1,994 |
| Return on assets (ROA) | 1.1143% | 1,950 |
| Pretax return on assets | 1.5463% | 1,449 |
| Return on Equity (ROE) | 7.9995% | 2,913 |
| Retained earnings to average equity (ytd only) | 2.0897% | 4,417 |
| Net charge-offs to loans | 0.1198% | 1,393 |
| Credit loss provision to net charge-offs | 153.1984% | 1,257 |
| Earnings coverage of net charge-offs (x) | 22.2637% | 1,411 |
| Efficiency ratio | 54.6809% | 5,314 |
| Assets per employee ($millions) | 5.3933% | 1,932 |
| Cash dividends to net income (ytd only)* | 73.8771% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 5,291 |
| Loan loss allowance to noncurrent loans | 111.0545% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 3,576 |
| Noncurrent loans to loans | 0.7440% | 2,976 |
| Net loans and leases to total assets | 59.6737% | 3,826 |
| Net loans and leases to deposits | 83.0801% | 2,420 |
| Net loans and leases to core deposits | 92.1429% | 2,170 |
| Total domestic deposits to total assets | 71.8266% | 5,783 |
| Equity capital to assets | 13.9582% | 997 |
| Core capital (leverage) ratio | 8.7961% | 5,080 |
| Tier 1 risk-based capital ratio | 12.3654% | 4,681 |
| Total risk-based capital ratio | 13.1212% | 4,904 |
| Memoranda: | ||
| Average total assets | $8,503,347,000 | 137 |
| Average earning assets | $7,486,923,000 | 141 |
| Average equity | $1,184,480,000 | 126 |
| Average total loans | $5,113,118,000 | 155 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7344% | 4,257 |
| Cost of funding earning assets | 0.3065% | 4,176 |
| Net interest margin | 3.4279% | 3,806 |
| Noninterest income to average assets | 0.8147% | 1,727 |
| Noninterest expense to average assets | 2.2833% | 4,839 |
| Loan and lease loss provision to assets | 0.1031% | 2,265 |
| Net operating income to assets | 1.0700% | 2,040 |
| Return on assets (ROA) | 1.0787% | 2,083 |
| Pretax return on assets | 1.4680% | 1,651 |
| Return on Equity (ROE) | 7.8205% | 3,053 |
| Retained earnings to average equity (ytd only) | 2.3461% | 4,387 |
| Net charge-offs to loans | 0.2323% | 1,281 |
| Credit loss provision to net charge-offs | 73.5703% | 3,062 |
| Earnings coverage of net charge-offs (x) | 11.1228% | 2,617 |
| Efficiency ratio | 58.4118% | 5,098 |
| Assets per employee ($millions) | 5.3063% | 2,003 |
| Cash dividends to net income (ytd only)* | 70.0002% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 5,351 |
| Loan loss allowance to noncurrent loans | 93.8273% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5930% | 3,304 |
| Noncurrent loans to loans | 0.8752% | 2,602 |
| Net loans and leases to total assets | 59.5966% | 3,889 |
| Net loans and leases to deposits | 83.0309% | 2,470 |
| Net loans and leases to core deposits | 92.5258% | 2,173 |
| Total domestic deposits to total assets | 71.7764% | 5,812 |
| Equity capital to assets | 13.9006% | 966 |
| Core capital (leverage) ratio | 8.7668% | 5,149 |
| Tier 1 risk-based capital ratio | 12.4854% | 4,643 |
| Total risk-based capital ratio | 13.2427% | 4,856 |
| Memoranda: | ||
| Average total assets | $7,946,023,800 | 136 |
| Average earning assets | $7,018,762,200 | 136 |
| Average equity | $1,096,019,800 | 126 |
| Average total loans | $4,794,904,200 | 156 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 4,254 |
| Cost of funding earning assets | 0.2938% | 4,408 |
| Net interest margin | 3.4580% | 3,726 |
| Noninterest income to average assets | 0.8127% | 1,762 |
| Noninterest expense to average assets | 2.3368% | 4,685 |
| Loan and lease loss provision to assets | 0.0954% | 2,263 |
| Net operating income to assets | 1.0538% | 2,199 |
| Return on assets (ROA) | 1.0546% | 2,292 |
| Pretax return on assets | 1.4360% | 1,884 |
| Return on Equity (ROE) | 7.6622% | 3,249 |
| Retained earnings to average equity (ytd only) | 2.0875% | 4,838 |
| Net charge-offs to loans | 0.2434% | 1,074 |
| Credit loss provision to net charge-offs | 64.8614% | 2,846 |
| Earnings coverage of net charge-offs (x) | 10.4072% | 2,601 |
| Efficiency ratio | 59.4220% | 4,952 |
| Assets per employee ($millions) | 5.2643% | 1,988 |
| Cash dividends to net income (ytd only)* | 72.7555% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 5,416 |
| Loan loss allowance to noncurrent loans | 86.9649% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 3,347 |
| Noncurrent loans to loans | 0.9637% | 2,577 |
| Net loans and leases to total assets | 58.3976% | 4,091 |
| Net loans and leases to deposits | 79.5017% | 2,935 |
| Net loans and leases to core deposits | 89.0772% | 2,550 |
| Total domestic deposits to total assets | 73.4545% | 5,755 |
| Equity capital to assets | 13.9059% | 1,061 |
| Core capital (leverage) ratio | 8.8250% | 5,211 |
| Tier 1 risk-based capital ratio | 12.8676% | 4,513 |
| Total risk-based capital ratio | 13.6501% | 4,732 |
| Memoranda: | ||
| Average total assets | $7,819,305,250 | 138 |
| Average earning assets | $6,906,615,250 | 137 |
| Average equity | $1,076,273,500 | 129 |
| Average total loans | $4,723,793,500 | 160 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7844% | 4,120 |
| Cost of funding earning assets | 0.2863% | 4,547 |
| Net interest margin | 3.4980% | 3,506 |
| Noninterest income to average assets | 0.8357% | 1,648 |
| Noninterest expense to average assets | 2.4366% | 4,447 |
| Loan and lease loss provision to assets | 0.0951% | 2,224 |
| Net operating income to assets | 1.0233% | 2,272 |
| Return on assets (ROA) | 1.0237% | 2,384 |
| Pretax return on assets | 1.3952% | 2,002 |
| Return on Equity (ROE) | 7.4658% | 3,340 |
| Retained earnings to average equity (ytd only) | 1.7193% | 4,840 |
| Net charge-offs to loans | 0.2091% | 1,208 |
| Credit loss provision to net charge-offs | 74.5623% | 2,408 |
| Earnings coverage of net charge-offs (x) | 11.6820% | 2,271 |
| Efficiency ratio | 61.0677% | 4,822 |
| Assets per employee ($millions) | 5.1203% | 2,124 |
| Cash dividends to net income (ytd only)* | 76.9704% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 5,381 |
| Loan loss allowance to noncurrent loans | 85.1203% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 3,357 |
| Noncurrent loans to loans | 1.0306% | 2,588 |
| Net loans and leases to total assets | 58.7078% | 4,017 |
| Net loans and leases to deposits | 78.3669% | 2,985 |
| Net loans and leases to core deposits | 88.6077% | 2,498 |
| Total domestic deposits to total assets | 74.9140% | 5,713 |
| Equity capital to assets | 13.8539% | 1,031 |
| Core capital (leverage) ratio | 8.8204% | 5,203 |
| Tier 1 risk-based capital ratio | 12.7354% | 4,657 |
| Total risk-based capital ratio | 13.5632% | 4,832 |
| Memoranda: | ||
| Average total assets | $7,614,600,330 | 143 |
| Average earning assets | $6,727,599,330 | 143 |
| Average equity | $1,044,116,670 | 136 |
| Average total loans | $4,642,878,000 | 162 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 4,114 |
| Cost of funding earning assets | 0.2848% | 4,613 |
| Net interest margin | 3.4893% | 3,482 |
| Noninterest income to average assets | 0.8743% | 1,482 |
| Noninterest expense to average assets | 2.6916% | 3,618 |
| Loan and lease loss provision to assets | 0.0699% | 2,538 |
| Net operating income to assets | 0.8945% | 2,767 |
| Return on assets (ROA) | 0.8954% | 2,891 |
| Pretax return on assets | 1.2008% | 2,661 |
| Return on Equity (ROE) | 6.5696% | 3,727 |
| Retained earnings to average equity (ytd only) | 0.4926% | 5,224 |
| Net charge-offs to loans | 0.1556% | 1,328 |
| Credit loss provision to net charge-offs | 72.4671% | 1,895 |
| Earnings coverage of net charge-offs (x) | 13.1597% | 1,744 |
| Efficiency ratio | 67.1829% | 3,960 |
| Assets per employee ($millions) | 4.8859% | 2,509 |
| Cash dividends to net income (ytd only)* | 92.5012% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 5,429 |
| Loan loss allowance to noncurrent loans | 104.0883% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 3,715 |
| Noncurrent loans to loans | 0.8690% | 3,073 |
| Net loans and leases to total assets | 58.9572% | 3,801 |
| Net loans and leases to deposits | 75.3598% | 3,130 |
| Net loans and leases to core deposits | 85.4594% | 2,604 |
| Total domestic deposits to total assets | 78.2343% | 5,406 |
| Equity capital to assets | 14.1375% | 942 |
| Core capital (leverage) ratio | 9.6618% | 4,057 |
| Tier 1 risk-based capital ratio | 12.7934% | 4,727 |
| Total risk-based capital ratio | 13.6418% | 4,891 |
| Memoranda: | ||
| Average total assets | $7,243,746,500 | 147 |
| Average earning assets | $6,408,327,000 | 148 |
| Average equity | $987,336,000 | 141 |
| Average total loans | $4,489,706,000 | 160 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 4,029 |
| Cost of funding earning assets | 0.3581% | 4,161 |
| Net interest margin | 3.5692% | 3,522 |
| Noninterest income to average assets | 0.9569% | 1,332 |
| Noninterest expense to average assets | 2.4315% | 4,755 |
| Loan and lease loss provision to assets | 0.1051% | 2,400 |
| Net operating income to assets | 1.1664% | 1,690 |
| Return on assets (ROA) | 1.1683% | 1,756 |
| Pretax return on assets | 1.5714% | 1,318 |
| Return on Equity (ROE) | 8.8849% | 2,646 |
| Retained earnings to average equity (ytd only) | 1.6233% | 5,006 |
| Net charge-offs to loans | 0.2329% | 1,812 |
| Credit loss provision to net charge-offs | 70.7101% | 3,058 |
| Earnings coverage of net charge-offs (x) | 11.2574% | 2,516 |
| Efficiency ratio | 58.5000% | 5,405 |
| Assets per employee ($millions) | 4.4439% | 3,131 |
| Cash dividends to net income (ytd only)* | 81.7296% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 4,581 |
| Loan loss allowance to noncurrent loans | 107.6960% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 3,360 |
| Noncurrent loans to loans | 1.0123% | 2,804 |
| Net loans and leases to total assets | 64.5178% | 3,141 |
| Net loans and leases to deposits | 80.2235% | 2,688 |
| Net loans and leases to core deposits | 90.5371% | 2,230 |
| Total domestic deposits to total assets | 80.4226% | 4,900 |
| Equity capital to assets | 12.9670% | 1,389 |
| Core capital (leverage) ratio | 8.6283% | 5,408 |
| Tier 1 risk-based capital ratio | 12.0432% | 5,336 |
| Total risk-based capital ratio | 13.0846% | 5,380 |
| Memoranda: | ||
| Average total assets | $6,231,440,400 | 163 |
| Average earning assets | $5,496,961,000 | 162 |
| Average equity | $819,379,200 | 153 |
| Average total loans | $3,979,259,000 | 169 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 4,041 |
| Cost of funding earning assets | 0.3711% | 4,118 |
| Net interest margin | 3.5612% | 3,590 |
| Noninterest income to average assets | 0.9619% | 1,331 |
| Noninterest expense to average assets | 2.4190% | 4,764 |
| Loan and lease loss provision to assets | 0.0985% | 2,398 |
| Net operating income to assets | 1.1694% | 1,797 |
| Return on assets (ROA) | 1.1700% | 1,866 |
| Pretax return on assets | 1.5825% | 1,381 |
| Return on Equity (ROE) | 8.8667% | 2,753 |
| Retained earnings to average equity (ytd only) | 3.2617% | 4,303 |
| Net charge-offs to loans | 0.2340% | 1,644 |
| Credit loss provision to net charge-offs | 66.2677% | 2,831 |
| Earnings coverage of net charge-offs (x) | 11.3039% | 2,440 |
| Efficiency ratio | 58.2747% | 5,409 |
| Assets per employee ($millions) | 4.4533% | 3,050 |
| Cash dividends to net income (ytd only)* | 63.2146% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 4,689 |
| Loan loss allowance to noncurrent loans | 112.3226% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 3,684 |
| Noncurrent loans to loans | 0.9921% | 3,090 |
| Net loans and leases to total assets | 63.8162% | 3,204 |
| Net loans and leases to deposits | 78.2999% | 2,916 |
| Net loans and leases to core deposits | 89.1752% | 2,302 |
| Total domestic deposits to total assets | 81.5023% | 4,658 |
| Equity capital to assets | 13.2963% | 1,282 |
| Core capital (leverage) ratio | 8.7403% | 5,396 |
| Tier 1 risk-based capital ratio | 12.2421% | 5,337 |
| Total risk-based capital ratio | 13.2962% | 5,372 |
| Memoranda: | ||
| Average total assets | $6,219,497,000 | 164 |
| Average earning assets | $5,479,429,500 | 162 |
| Average equity | $820,667,250 | 152 |
| Average total loans | $3,950,107,250 | 169 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 4,023 |
| Cost of funding earning assets | 0.3786% | 4,119 |
| Net interest margin | 3.5505% | 3,571 |
| Noninterest income to average assets | 1.0069% | 1,181 |
| Noninterest expense to average assets | 2.4541% | 4,718 |
| Loan and lease loss provision to assets | 0.1004% | 2,348 |
| Net operating income to assets | 1.1648% | 1,705 |
| Return on assets (ROA) | 1.1654% | 1,770 |
| Pretax return on assets | 1.5751% | 1,319 |
| Return on Equity (ROE) | 8.8550% | 2,663 |
| Retained earnings to average equity (ytd only) | 3.3451% | 4,071 |
| Net charge-offs to loans | 0.2419% | 1,594 |
| Credit loss provision to net charge-offs | 65.6823% | 2,543 |
| Earnings coverage of net charge-offs (x) | 10.9599% | 2,194 |
| Efficiency ratio | 58.7017% | 5,470 |
| Assets per employee ($millions) | 4.3873% | 3,106 |
| Cash dividends to net income (ytd only)* | 62.2235% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 4,640 |
| Loan loss allowance to noncurrent loans | 116.7517% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 3,868 |
| Noncurrent loans to loans | 0.9895% | 3,254 |
| Net loans and leases to total assets | 62.4705% | 3,333 |
| Net loans and leases to deposits | 76.4657% | 2,990 |
| Net loans and leases to core deposits | 86.9758% | 2,421 |
| Total domestic deposits to total assets | 81.6974% | 4,751 |
| Equity capital to assets | 13.2119% | 1,264 |
| Core capital (leverage) ratio | 8.7630% | 5,321 |
| Tier 1 risk-based capital ratio | 12.2682% | 5,374 |
| Total risk-based capital ratio | 13.3553% | 5,404 |
| Memoranda: | ||
| Average total assets | $6,205,569,000 | 164 |
| Average earning assets | $5,456,317,670 | 162 |
| Average equity | $816,716,000 | 153 |
| Average total loans | $3,919,895,330 | 170 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 3,881 |
| Cost of funding earning assets | 0.3960% | 4,022 |
| Net interest margin | 3.5572% | 3,448 |
| Noninterest income to average assets | 0.9680% | 1,206 |
| Noninterest expense to average assets | 2.4592% | 4,763 |
| Loan and lease loss provision to assets | 0.1461% | 1,666 |
| Net operating income to assets | 1.0959% | 1,832 |
| Return on assets (ROA) | 1.0964% | 1,896 |
| Pretax return on assets | 1.4834% | 1,477 |
| Return on Equity (ROE) | 8.3470% | 2,763 |
| Retained earnings to average equity (ytd only) | 2.9230% | 4,340 |
| Net charge-offs to loans | 0.4247% | 857 |
| Credit loss provision to net charge-offs | 54.4796% | 2,163 |
| Earnings coverage of net charge-offs (x) | 6.0732% | 2,283 |
| Efficiency ratio | 59.3983% | 5,490 |
| Assets per employee ($millions) | 4.3974% | 3,156 |
| Cash dividends to net income (ytd only)* | 64.9811% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 4,787 |
| Loan loss allowance to noncurrent loans | 118.7236% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 4,010 |
| Noncurrent loans to loans | 0.9832% | 3,458 |
| Net loans and leases to total assets | 61.8433% | 3,265 |
| Net loans and leases to deposits | 73.8175% | 3,093 |
| Net loans and leases to core deposits | 84.1694% | 2,495 |
| Total domestic deposits to total assets | 83.7787% | 4,353 |
| Equity capital to assets | 13.1022% | 1,262 |
| Core capital (leverage) ratio | 8.6780% | 5,414 |
| Tier 1 risk-based capital ratio | 12.2173% | 5,498 |
| Total risk-based capital ratio | 13.3104% | 5,537 |
| Memoranda: | ||
| Average total assets | $6,175,850,500 | 164 |
| Average earning assets | $5,416,904,000 | 163 |
| Average equity | $811,211,000 | 153 |
| Average total loans | $3,900,082,000 | 169 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 3,778 |
| Cost of funding earning assets | 0.5474% | 3,140 |
| Net interest margin | 3.5431% | 3,716 |
| Noninterest income to average assets | 1.0019% | 1,390 |
| Noninterest expense to average assets | 2.5165% | 4,716 |
| Loan and lease loss provision to assets | 0.1449% | 2,488 |
| Net operating income to assets | 1.0821% | 1,993 |
| Return on assets (ROA) | 1.0905% | 2,038 |
| Pretax return on assets | 1.4573% | 1,598 |
| Return on Equity (ROE) | 8.3456% | 2,858 |
| Retained earnings to average equity (ytd only) | 3.0661% | 4,043 |
| Net charge-offs to loans | 0.3728% | 1,808 |
| Credit loss provision to net charge-offs | 62.3411% | 3,499 |
| Earnings coverage of net charge-offs (x) | 6.8432% | 2,969 |
| Efficiency ratio | 60.3776% | 5,418 |
| Assets per employee ($millions) | 4.2446% | 3,366 |
| Cash dividends to net income (ytd only)* | 63.2606% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 4,593 |
| Loan loss allowance to noncurrent loans | 120.1075% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 4,083 |
| Noncurrent loans to loans | 1.0102% | 3,496 |
| Net loans and leases to total assets | 62.9635% | 3,209 |
| Net loans and leases to deposits | 76.1601% | 2,948 |
| Net loans and leases to core deposits | 86.7315% | 2,378 |
| Total domestic deposits to total assets | 82.6726% | 4,652 |
| Equity capital to assets | 13.1688% | 1,203 |
| Core capital (leverage) ratio | 8.5800% | 5,567 |
| Tier 1 risk-based capital ratio | 12.1117% | 5,551 |
| Total risk-based capital ratio | 13.2542% | 5,551 |
| Memoranda: | ||
| Average total assets | $6,088,444,200 | 158 |
| Average earning assets | $5,336,833,600 | 159 |
| Average equity | $795,531,200 | 149 |
| Average total loans | $3,796,882,600 | 165 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 3,729 |
| Cost of funding earning assets | 0.5759% | 3,036 |
| Net interest margin | 3.5320% | 3,751 |
| Noninterest income to average assets | 1.0118% | 1,419 |
| Noninterest expense to average assets | 2.5066% | 4,699 |
| Loan and lease loss provision to assets | 0.1297% | 2,672 |
| Net operating income to assets | 1.0978% | 2,016 |
| Return on assets (ROA) | 1.1090% | 2,043 |
| Pretax return on assets | 1.4821% | 1,657 |
| Return on Equity (ROE) | 8.5040% | 2,880 |
| Retained earnings to average equity (ytd only) | 3.2903% | 4,333 |
| Net charge-offs to loans | 0.3985% | 1,608 |
| Credit loss provision to net charge-offs | 52.4625% | 3,448 |
| Earnings coverage of net charge-offs (x) | 6.4611% | 2,969 |
| Efficiency ratio | 60.1820% | 5,408 |
| Assets per employee ($millions) | 4.2645% | 3,297 |
| Cash dividends to net income (ytd only)* | 61.3084% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 4,737 |
| Loan loss allowance to noncurrent loans | 113.6772% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 4,206 |
| Noncurrent loans to loans | 1.0827% | 3,629 |
| Net loans and leases to total assets | 62.0380% | 3,354 |
| Net loans and leases to deposits | 75.0602% | 3,085 |
| Net loans and leases to core deposits | 84.6059% | 2,583 |
| Total domestic deposits to total assets | 82.6510% | 4,701 |
| Equity capital to assets | 12.9973% | 1,333 |
| Core capital (leverage) ratio | 8.5475% | 5,726 |
| Tier 1 risk-based capital ratio | 12.0794% | 5,732 |
| Total risk-based capital ratio | 13.2330% | 5,729 |
| Memoranda: | ||
| Average total assets | $6,079,308,250 | 154 |
| Average earning assets | $5,321,166,500 | 157 |
| Average equity | $792,767,250 | 147 |
| Average total loans | $3,770,134,250 | 163 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 3,661 |
| Cost of funding earning assets | 0.5862% | 3,070 |
| Net interest margin | 3.5334% | 3,642 |
| Noninterest income to average assets | 1.0156% | 1,489 |
| Noninterest expense to average assets | 2.5136% | 4,676 |
| Loan and lease loss provision to assets | 0.1038% | 3,065 |
| Net operating income to assets | 1.1149% | 1,879 |
| Return on assets (ROA) | 1.1321% | 1,921 |
| Pretax return on assets | 1.5189% | 1,561 |
| Return on Equity (ROE) | 8.6721% | 2,769 |
| Retained earnings to average equity (ytd only) | 3.4934% | 4,096 |
| Net charge-offs to loans | 0.2919% | 2,020 |
| Credit loss provision to net charge-offs | 57.5846% | 3,064 |
| Earnings coverage of net charge-offs (x) | 8.8761% | 2,357 |
| Efficiency ratio | 60.1866% | 5,460 |
| Assets per employee ($millions) | 4.1777% | 3,415 |
| Cash dividends to net income (ytd only)* | 59.7163% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 4,411 |
| Loan loss allowance to noncurrent loans | 107.2347% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 4,109 |
| Noncurrent loans to loans | 1.2301% | 3,497 |
| Net loans and leases to total assets | 62.1316% | 3,267 |
| Net loans and leases to deposits | 76.2957% | 2,840 |
| Net loans and leases to core deposits | 84.1812% | 2,535 |
| Total domestic deposits to total assets | 81.4353% | 5,230 |
| Equity capital to assets | 13.0507% | 1,327 |
| Core capital (leverage) ratio | 8.4847% | 5,689 |
| Tier 1 risk-based capital ratio | 11.9456% | 5,823 |
| Total risk-based capital ratio | 13.1786% | 5,784 |
| Memoranda: | ||
| Average total assets | $6,064,463,000 | 152 |
| Average earning assets | $5,316,679,670 | 156 |
| Average equity | $791,712,330 | 146 |
| Average total loans | $3,744,694,670 | 162 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 3,512 |
| Cost of funding earning assets | 0.5993% | 3,113 |
| Net interest margin | 3.5508% | 3,474 |
| Noninterest income to average assets | 1.0352% | 1,381 |
| Noninterest expense to average assets | 2.5660% | 4,510 |
| Loan and lease loss provision to assets | 0.1317% | 2,593 |
| Net operating income to assets | 1.1002% | 1,854 |
| Return on assets (ROA) | 1.1007% | 1,956 |
| Pretax return on assets | 1.4414% | 1,734 |
| Return on Equity (ROE) | 8.4301% | 2,756 |
| Retained earnings to average equity (ytd only) | 3.1253% | 4,397 |
| Net charge-offs to loans | 0.3271% | 1,659 |
| Credit loss provision to net charge-offs | 65.8641% | 2,346 |
| Earnings coverage of net charge-offs (x) | 7.8615% | 2,013 |
| Efficiency ratio | 61.0387% | 5,439 |
| Assets per employee ($millions) | 4.2569% | 3,422 |
| Cash dividends to net income (ytd only)* | 62.9270% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 4,256 |
| Loan loss allowance to noncurrent loans | 108.5720% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 4,218 |
| Noncurrent loans to loans | 1.2855% | 3,629 |
| Net loans and leases to total assets | 60.2115% | 3,390 |
| Net loans and leases to deposits | 72.8928% | 3,069 |
| Net loans and leases to core deposits | 80.5251% | 2,743 |
| Total domestic deposits to total assets | 82.6028% | 4,989 |
| Equity capital to assets | 13.1070% | 1,381 |
| Core capital (leverage) ratio | 8.4002% | 5,706 |
| Tier 1 risk-based capital ratio | 12.1554% | 5,820 |
| Total risk-based capital ratio | 13.4062% | 5,776 |
| Memoranda: | ||
| Average total assets | $6,063,674,000 | 156 |
| Average earning assets | $5,299,180,500 | 159 |
| Average equity | $791,738,500 | 150 |
| Average total loans | $3,707,388,000 | 165 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 4,230 |
| Cost of funding earning assets | 0.8098% | 2,591 |
| Net interest margin | 3.4791% | 4,586 |
| Noninterest income to average assets | 1.0098% | 1,507 |
| Noninterest expense to average assets | 2.5162% | 5,048 |
| Loan and lease loss provision to assets | 0.3543% | 1,886 |
| Net operating income to assets | 0.9161% | 2,739 |
| Return on assets (ROA) | 0.9499% | 2,799 |
| Pretax return on assets | 1.2255% | 2,701 |
| Return on Equity (ROE) | 7.4485% | 3,371 |
| Retained earnings to average equity (ytd only) | 2.3786% | 4,557 |
| Net charge-offs to loans | 0.6559% | 1,794 |
| Credit loss provision to net charge-offs | 90.4531% | 3,461 |
| Earnings coverage of net charge-offs (x) | 3.9222% | 3,543 |
| Efficiency ratio | 61.1830% | 5,360 |
| Assets per employee ($millions) | 4.0901% | 3,762 |
| Cash dividends to net income (ytd only)* | 68.0665% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 4,079 |
| Loan loss allowance to noncurrent loans | 115.6618% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 4,363 |
| Noncurrent loans to loans | 1.2270% | 3,795 |
| Net loans and leases to total assets | 60.3492% | 3,540 |
| Net loans and leases to deposits | 73.9669% | 3,091 |
| Net loans and leases to core deposits | 81.5492% | 2,815 |
| Total domestic deposits to total assets | 81.5895% | 5,230 |
| Equity capital to assets | 13.0072% | 1,451 |
| Core capital (leverage) ratio | 8.8007% | 5,180 |
| Tier 1 risk-based capital ratio | 12.0004% | 5,790 |
| Total risk-based capital ratio | 13.2515% | 5,741 |
| Memoranda: | ||
| Average total assets | $5,644,931,400 | 162 |
| Average earning assets | $4,937,006,000 | 161 |
| Average equity | $719,929,400 | 153 |
| Average total loans | $3,371,228,000 | 170 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 4,185 |
| Cost of funding earning assets | 0.8514% | 2,525 |
| Net interest margin | 3.5142% | 4,585 |
| Noninterest income to average assets | 1.0023% | 1,493 |
| Noninterest expense to average assets | 2.4783% | 5,150 |
| Loan and lease loss provision to assets | 0.4008% | 1,598 |
| Net operating income to assets | 0.9211% | 2,874 |
| Return on assets (ROA) | 0.9528% | 2,956 |
| Pretax return on assets | 1.2367% | 2,838 |
| Return on Equity (ROE) | 7.5117% | 3,523 |
| Retained earnings to average equity (ytd only) | 2.4834% | 5,087 |
| Net charge-offs to loans | 0.7299% | 1,516 |
| Credit loss provision to net charge-offs | 92.5839% | 3,219 |
| Earnings coverage of net charge-offs (x) | 3.6873% | 3,554 |
| Efficiency ratio | 59.9233% | 5,513 |
| Assets per employee ($millions) | 4.1364% | 3,611 |
| Cash dividends to net income (ytd only)* | 66.9395% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 3,574 |
| Loan loss allowance to noncurrent loans | 136.7463% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 4,785 |
| Noncurrent loans to loans | 1.1601% | 4,124 |
| Net loans and leases to total assets | 59.7179% | 3,835 |
| Net loans and leases to deposits | 73.9017% | 3,294 |
| Net loans and leases to core deposits | 81.8802% | 2,973 |
| Total domestic deposits to total assets | 80.8072% | 5,422 |
| Equity capital to assets | 12.7937% | 1,710 |
| Core capital (leverage) ratio | 8.1778% | 6,167 |
| Tier 1 risk-based capital ratio | 11.8793% | 6,009 |
| Total risk-based capital ratio | 13.1322% | 5,991 |
| Memoranda: | ||
| Average total assets | $5,539,775,500 | 165 |
| Average earning assets | $4,843,256,000 | 165 |
| Average equity | $702,671,750 | 155 |
| Average total loans | $3,285,731,250 | 171 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 4,184 |
| Cost of funding earning assets | 0.8768% | 2,587 |
| Net interest margin | 3.5238% | 4,578 |
| Noninterest income to average assets | 0.9871% | 1,499 |
| Noninterest expense to average assets | 2.4729% | 5,227 |
| Loan and lease loss provision to assets | 0.4417% | 1,467 |
| Net operating income to assets | 0.8826% | 2,991 |
| Return on assets (ROA) | 0.9214% | 3,069 |
| Pretax return on assets | 1.1977% | 2,936 |
| Return on Equity (ROE) | 7.2849% | 3,622 |
| Retained earnings to average equity (ytd only) | 2.2849% | 5,048 |
| Net charge-offs to loans | 0.8241% | 1,341 |
| Credit loss provision to net charge-offs | 91.0595% | 3,013 |
| Earnings coverage of net charge-offs (x) | 3.2760% | 3,432 |
| Efficiency ratio | 59.9726% | 5,579 |
| Assets per employee ($millions) | 3.9858% | 3,908 |
| Cash dividends to net income (ytd only)* | 68.6355% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 3,494 |
| Loan loss allowance to noncurrent loans | 122.5960% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 4,664 |
| Noncurrent loans to loans | 1.3304% | 3,925 |
| Net loans and leases to total assets | 58.7397% | 4,032 |
| Net loans and leases to deposits | 73.5758% | 3,365 |
| Net loans and leases to core deposits | 80.9040% | 3,099 |
| Total domestic deposits to total assets | 79.8355% | 5,782 |
| Equity capital to assets | 12.7860% | 1,635 |
| Core capital (leverage) ratio | 8.0694% | 6,194 |
| Tier 1 risk-based capital ratio | 11.8695% | 6,014 |
| Total risk-based capital ratio | 13.1226% | 5,982 |
| Memoranda: | ||
| Average total assets | $5,534,660,000 | 165 |
| Average earning assets | $4,829,218,000 | 165 |
| Average equity | $699,994,000 | 154 |
| Average total loans | $3,257,349,670 | 171 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 4,123 |
| Cost of funding earning assets | 0.9110% | 2,599 |
| Net interest margin | 3.5376% | 4,534 |
| Noninterest income to average assets | 1.0053% | 1,411 |
| Noninterest expense to average assets | 2.4532% | 5,306 |
| Loan and lease loss provision to assets | 0.4470% | 1,389 |
| Net operating income to assets | 0.9144% | 2,850 |
| Return on assets (ROA) | 0.9200% | 3,037 |
| Pretax return on assets | 1.1908% | 2,945 |
| Return on Equity (ROE) | 7.3136% | 3,599 |
| Retained earnings to average equity (ytd only) | 2.4432% | 5,037 |
| Net charge-offs to loans | 0.8163% | 1,261 |
| Credit loss provision to net charge-offs | 93.7283% | 2,483 |
| Earnings coverage of net charge-offs (x) | 3.4191% | 2,845 |
| Efficiency ratio | 59.1606% | 5,750 |
| Assets per employee ($millions) | 4.1360% | 3,716 |
| Cash dividends to net income (ytd only)* | 66.5935% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 3,428 |
| Loan loss allowance to noncurrent loans | 95.9381% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0613% | 4,367 |
| Noncurrent loans to loans | 1.7521% | 3,484 |
| Net loans and leases to total assets | 57.0245% | 4,218 |
| Net loans and leases to deposits | 71.1051% | 3,570 |
| Net loans and leases to core deposits | 78.4317% | 3,270 |
| Total domestic deposits to total assets | 80.1974% | 5,807 |
| Equity capital to assets | 12.5547% | 1,688 |
| Core capital (leverage) ratio | 8.0085% | 6,249 |
| Tier 1 risk-based capital ratio | 11.7586% | 6,119 |
| Total risk-based capital ratio | 13.0121% | 6,098 |
| Memoranda: | ||
| Average total assets | $5,549,822,000 | 163 |
| Average earning assets | $4,829,614,000 | 163 |
| Average equity | $698,099,500 | 153 |
| Average total loans | $3,242,605,500 | 169 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 4,100 |
| Cost of funding earning assets | 1.0906% | 2,731 |
| Net interest margin | 3.6452% | 4,543 |
| Noninterest income to average assets | 1.0260% | 1,295 |
| Noninterest expense to average assets | 2.4925% | 5,491 |
| Loan and lease loss provision to assets | 0.6686% | 1,528 |
| Net operating income to assets | 0.8414% | 2,868 |
| Return on assets (ROA) | 0.8569% | 2,940 |
| Pretax return on assets | 1.0681% | 2,965 |
| Return on Equity (ROE) | 6.7186% | 3,530 |
| Retained earnings to average equity (ytd only) | 2.5246% | 4,430 |
| Net charge-offs to loans | 1.3012% | 1,268 |
| Credit loss provision to net charge-offs | 85.3111% | 4,228 |
| Earnings coverage of net charge-offs (x) | 2.1913% | 4,143 |
| Efficiency ratio | 58.1898% | 6,026 |
| Assets per employee ($millions) | 4.0981% | 3,650 |
| Cash dividends to net income (ytd only)* | 62.4233% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 3,248 |
| Loan loss allowance to noncurrent loans | 86.5070% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.1929% | 4,251 |
| Noncurrent loans to loans | 1.9500% | 3,271 |
| Net loans and leases to total assets | 57.8667% | 4,391 |
| Net loans and leases to deposits | 72.6896% | 3,708 |
| Net loans and leases to core deposits | 80.7704% | 3,349 |
| Total domestic deposits to total assets | 79.6080% | 5,843 |
| Equity capital to assets | 12.6031% | 1,743 |
| Core capital (leverage) ratio | 7.9628% | 6,299 |
| Tier 1 risk-based capital ratio | 11.5997% | 6,096 |
| Total risk-based capital ratio | 12.8362% | 6,092 |
| Memoranda: | ||
| Average total assets | $5,421,585,400 | 159 |
| Average earning assets | $4,735,255,400 | 161 |
| Average equity | $691,469,000 | 154 |
| Average total loans | $3,265,221,600 | 169 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 4,050 |
| Cost of funding earning assets | 1.1207% | 2,826 |
| Net interest margin | 3.6713% | 4,463 |
| Noninterest income to average assets | 1.0271% | 1,278 |
| Noninterest expense to average assets | 2.4883% | 5,506 |
| Loan and lease loss provision to assets | 0.6575% | 1,480 |
| Net operating income to assets | 0.8661% | 2,879 |
| Return on assets (ROA) | 0.8681% | 3,014 |
| Pretax return on assets | 1.0922% | 3,047 |
| Return on Equity (ROE) | 6.7860% | 3,619 |
| Retained earnings to average equity (ytd only) | 4.0823% | 3,822 |
| Net charge-offs to loans | 1.3282% | 1,150 |
| Credit loss provision to net charge-offs | 81.7208% | 4,086 |
| Earnings coverage of net charge-offs (x) | 2.1716% | 4,044 |
| Efficiency ratio | 57.7250% | 6,056 |
| Assets per employee ($millions) | 4.0428% | 3,751 |
| Cash dividends to net income (ytd only)* | 39.8418% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6942% | 3,295 |
| Loan loss allowance to noncurrent loans | 86.4988% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 4,311 |
| Noncurrent loans to loans | 1.9587% | 3,417 |
| Net loans and leases to total assets | 58.3179% | 4,456 |
| Net loans and leases to deposits | 73.3676% | 3,745 |
| Net loans and leases to core deposits | 81.0413% | 3,480 |
| Total domestic deposits to total assets | 79.4873% | 5,871 |
| Equity capital to assets | 12.8915% | 1,669 |
| Core capital (leverage) ratio | 8.1338% | 6,242 |
| Tier 1 risk-based capital ratio | 11.7082% | 6,100 |
| Total risk-based capital ratio | 12.9462% | 6,104 |
| Memoranda: | ||
| Average total assets | $5,396,936,000 | 158 |
| Average earning assets | $4,716,342,500 | 161 |
| Average equity | $690,407,500 | 155 |
| Average total loans | $3,269,237,250 | 170 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8175% | 4,021 |
| Cost of funding earning assets | 1.1511% | 2,895 |
| Net interest margin | 3.6664% | 4,433 |
| Noninterest income to average assets | 1.0373% | 1,228 |
| Noninterest expense to average assets | 2.5491% | 5,358 |
| Loan and lease loss provision to assets | 0.5790% | 1,672 |
| Net operating income to assets | 0.8723% | 2,757 |
| Return on assets (ROA) | 0.8733% | 2,852 |
| Pretax return on assets | 1.1195% | 2,773 |
| Return on Equity (ROE) | 6.8450% | 3,513 |
| Retained earnings to average equity (ytd only) | 2.7572% | 4,527 |
| Net charge-offs to loans | 0.9267% | 1,679 |
| Credit loss provision to net charge-offs | 102.4185% | 3,022 |
| Earnings coverage of net charge-offs (x) | 3.0021% | 3,349 |
| Efficiency ratio | 58.9976% | 6,027 |
| Assets per employee ($millions) | 3.8972% | 3,998 |
| Cash dividends to net income (ytd only)* | 59.7193% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8778% | 2,733 |
| Loan loss allowance to noncurrent loans | 88.9626% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3647% | 4,181 |
| Noncurrent loans to loans | 2.1107% | 3,340 |
| Net loans and leases to total assets | 59.3306% | 4,407 |
| Net loans and leases to deposits | 76.0118% | 3,469 |
| Net loans and leases to core deposits | 83.6015% | 3,274 |
| Total domestic deposits to total assets | 78.0545% | 6,279 |
| Equity capital to assets | 12.7666% | 1,643 |
| Core capital (leverage) ratio | 7.9343% | 6,376 |
| Tier 1 risk-based capital ratio | 11.4370% | 6,216 |
| Total risk-based capital ratio | 12.6781% | 6,214 |
| Memoranda: | ||
| Average total assets | $5,368,560,670 | 162 |
| Average earning assets | $4,698,617,000 | 164 |
| Average equity | $684,969,330 | 157 |
| Average total loans | $3,274,941,670 | 170 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 4,055 |
| Cost of funding earning assets | 1.1837% | 2,920 |
| Net interest margin | 3.6176% | 4,496 |
| Noninterest income to average assets | 1.0143% | 1,284 |
| Noninterest expense to average assets | 2.5193% | 5,485 |
| Loan and lease loss provision to assets | 0.6497% | 1,328 |
| Net operating income to assets | 0.8136% | 2,958 |
| Return on assets (ROA) | 0.8149% | 3,014 |
| Pretax return on assets | 1.0101% | 3,097 |
| Return on Equity (ROE) | 6.3891% | 3,678 |
| Retained earnings to average equity (ytd only) | 4.0436% | 3,742 |
| Net charge-offs to loans | 1.0129% | 1,350 |
| Credit loss provision to net charge-offs | 104.6879% | 2,542 |
| Earnings coverage of net charge-offs (x) | 2.6717% | 3,008 |
| Efficiency ratio | 59.2420% | 6,090 |
| Assets per employee ($millions) | 3.9441% | 3,960 |
| Cash dividends to net income (ytd only)* | 36.7107% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8900% | 2,722 |
| Loan loss allowance to noncurrent loans | 94.8998% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.3098% | 4,349 |
| Noncurrent loans to loans | 1.9915% | 3,580 |
| Net loans and leases to total assets | 59.6346% | 4,339 |
| Net loans and leases to deposits | 75.7054% | 3,466 |
| Net loans and leases to core deposits | 83.3251% | 3,258 |
| Total domestic deposits to total assets | 78.7719% | 6,242 |
| Equity capital to assets | 12.8082% | 1,470 |
| Core capital (leverage) ratio | 7.9804% | 6,280 |
| Tier 1 risk-based capital ratio | 11.4590% | 6,135 |
| Total risk-based capital ratio | 12.7011% | 6,126 |
| Memoranda: | ||
| Average total assets | $5,348,185,500 | 162 |
| Average earning assets | $4,676,197,000 | 163 |
| Average equity | $682,161,000 | 156 |
| Average total loans | $3,277,015,000 | 170 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0669% | 4,255 |
| Cost of funding earning assets | 1.4284% | 3,079 |
| Net interest margin | 3.6385% | 4,625 |
| Noninterest income to average assets | 1.0129% | 1,464 |
| Noninterest expense to average assets | 2.6041% | 5,401 |
| Loan and lease loss provision to assets | 0.8105% | 2,012 |
| Net operating income to assets | 0.6631% | 3,380 |
| Return on assets (ROA) | 0.7178% | 3,285 |
| Pretax return on assets | 0.8373% | 3,513 |
| Return on Equity (ROE) | 5.6372% | 3,769 |
| Retained earnings to average equity (ytd only) | 0.7205% | 5,201 |
| Net charge-offs to loans | 1.2799% | 1,751 |
| Credit loss provision to net charge-offs | 99.7493% | 4,638 |
| Earnings coverage of net charge-offs (x) | 1.9498% | 4,266 |
| Efficiency ratio | 61.0002% | 5,895 |
| Assets per employee ($millions) | 3.9440% | 3,902 |
| Cash dividends to net income (ytd only)* | 87.2191% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8483% | 2,694 |
| Loan loss allowance to noncurrent loans | 107.7345% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 4,616 |
| Noncurrent loans to loans | 1.7156% | 3,930 |
| Net loans and leases to total assets | 60.6219% | 4,560 |
| Net loans and leases to deposits | 77.6871% | 3,561 |
| Net loans and leases to core deposits | 86.6076% | 3,239 |
| Total domestic deposits to total assets | 78.0334% | 6,305 |
| Equity capital to assets | 12.7017% | 1,528 |
| Core capital (leverage) ratio | 7.7930% | 6,446 |
| Tier 1 risk-based capital ratio | 11.1398% | 6,221 |
| Total risk-based capital ratio | 12.3812% | 6,204 |
| Memoranda: | ||
| Average total assets | $5,351,119,200 | 163 |
| Average earning assets | $4,669,980,000 | 163 |
| Average equity | $681,343,000 | 153 |
| Average total loans | $3,396,950,000 | 166 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 4,267 |
| Cost of funding earning assets | 1.4870% | 3,055 |
| Net interest margin | 3.6231% | 4,764 |
| Noninterest income to average assets | 0.9897% | 1,486 |
| Noninterest expense to average assets | 2.5827% | 5,392 |
| Loan and lease loss provision to assets | 0.8636% | 1,762 |
| Net operating income to assets | 0.6131% | 3,820 |
| Return on assets (ROA) | 0.6850% | 3,646 |
| Pretax return on assets | 0.7849% | 3,969 |
| Return on Equity (ROE) | 5.3768% | 4,093 |
| Retained earnings to average equity (ytd only) | 0.7816% | 5,496 |
| Net charge-offs to loans | 1.4359% | 1,418 |
| Credit loss provision to net charge-offs | 94.1065% | 4,607 |
| Earnings coverage of net charge-offs (x) | 1.7062% | 4,423 |
| Efficiency ratio | 61.0617% | 5,781 |
| Assets per employee ($millions) | 3.9530% | 3,933 |
| Cash dividends to net income (ytd only)* | 85.4639% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 2,903 |
| Loan loss allowance to noncurrent loans | 93.0323% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.3411% | 4,483 |
| Noncurrent loans to loans | 1.9012% | 3,801 |
| Net loans and leases to total assets | 61.3906% | 4,653 |
| Net loans and leases to deposits | 78.6401% | 3,700 |
| Net loans and leases to core deposits | 87.6154% | 3,425 |
| Total domestic deposits to total assets | 78.0652% | 6,244 |
| Equity capital to assets | 12.8640% | 1,649 |
| Core capital (leverage) ratio | 7.7236% | 6,646 |
| Tier 1 risk-based capital ratio | 11.0249% | 6,350 |
| Total risk-based capital ratio | 12.2663% | 6,346 |
| Memoranda: | ||
| Average total assets | $5,351,872,250 | 162 |
| Average earning assets | $4,665,956,500 | 162 |
| Average equity | $681,853,000 | 148 |
| Average total loans | $3,420,393,750 | 162 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 4,241 |
| Cost of funding earning assets | 1.5575% | 2,917 |
| Net interest margin | 3.5835% | 4,886 |
| Noninterest income to average assets | 0.9819% | 1,432 |
| Noninterest expense to average assets | 2.5506% | 5,519 |
| Loan and lease loss provision to assets | 0.8652% | 1,682 |
| Net operating income to assets | 0.5871% | 3,927 |
| Return on assets (ROA) | 0.6613% | 3,728 |
| Pretax return on assets | 0.7817% | 3,944 |
| Return on Equity (ROE) | 5.2070% | 4,179 |
| Retained earnings to average equity (ytd only) | -0.2317% | 5,777 |
| Net charge-offs to loans | 1.1095% | 1,705 |
| Credit loss provision to net charge-offs | 121.1321% | 3,343 |
| Earnings coverage of net charge-offs (x) | 2.1836% | 3,925 |
| Efficiency ratio | 60.8413% | 5,889 |
| Assets per employee ($millions) | 3.8320% | 4,149 |
| Cash dividends to net income (ytd only)* | 104.4490% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 2,387 |
| Loan loss allowance to noncurrent loans | 92.4905% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.4319% | 4,326 |
| Noncurrent loans to loans | 2.0646% | 3,638 |
| Net loans and leases to total assets | 62.7925% | 4,520 |
| Net loans and leases to deposits | 81.4034% | 3,362 |
| Net loans and leases to core deposits | 90.3917% | 3,202 |
| Total domestic deposits to total assets | 77.1375% | 6,469 |
| Equity capital to assets | 12.8191% | 1,644 |
| Core capital (leverage) ratio | 7.6022% | 6,730 |
| Tier 1 risk-based capital ratio | 10.8851% | 6,368 |
| Total risk-based capital ratio | 12.1303% | 6,358 |
| Memoranda: | ||
| Average total assets | $5,356,994,670 | 162 |
| Average earning assets | $4,676,544,000 | 162 |
| Average equity | $680,308,670 | 149 |
| Average total loans | $3,448,825,330 | 157 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 4,176 |
| Cost of funding earning assets | 1.6130% | 2,877 |
| Net interest margin | 3.5602% | 4,903 |
| Noninterest income to average assets | 0.9533% | 1,441 |
| Noninterest expense to average assets | 2.5635% | 5,498 |
| Loan and lease loss provision to assets | 0.8569% | 1,483 |
| Net operating income to assets | 0.5524% | 4,130 |
| Return on assets (ROA) | 0.6424% | 3,816 |
| Pretax return on assets | 0.7452% | 4,078 |
| Return on Equity (ROE) | 5.0824% | 4,321 |
| Retained earnings to average equity (ytd only) | -0.8123% | 6,015 |
| Net charge-offs to loans | 0.8119% | 1,910 |
| Credit loss provision to net charge-offs | 163.4684% | 2,219 |
| Earnings coverage of net charge-offs (x) | 2.8566% | 3,122 |
| Efficiency ratio | 61.8924% | 5,852 |
| Assets per employee ($millions) | 3.9548% | 3,984 |
| Cash dividends to net income (ytd only)* | 115.9824% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 2,429 |
| Loan loss allowance to noncurrent loans | 89.1148% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.5125% | 4,235 |
| Noncurrent loans to loans | 2.1361% | 3,605 |
| Net loans and leases to total assets | 63.1083% | 4,510 |
| Net loans and leases to deposits | 83.6639% | 2,999 |
| Net loans and leases to core deposits | 91.7113% | 3,139 |
| Total domestic deposits to total assets | 75.4307% | 6,841 |
| Equity capital to assets | 12.6819% | 1,665 |
| Core capital (leverage) ratio | 7.6156% | 6,721 |
| Tier 1 risk-based capital ratio | 10.8104% | 6,335 |
| Total risk-based capital ratio | 12.0561% | 6,321 |
| Memoranda: | ||
| Average total assets | $5,368,449,000 | 164 |
| Average earning assets | $4,685,975,000 | 165 |
| Average equity | $678,571,000 | 149 |
| Average total loans | $3,465,932,500 | 161 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 5,188 |
| Cost of funding earning assets | 1.9300% | 3,305 |
| Net interest margin | 3.3672% | 5,503 |
| Noninterest income to average assets | 0.9978% | 1,583 |
| Noninterest expense to average assets | 2.6163% | 5,730 |
| Loan and lease loss provision to assets | 0.9117% | 2,471 |
| Net operating income to assets | 0.3977% | 4,141 |
| Return on assets (ROA) | 0.5032% | 3,811 |
| Pretax return on assets | 0.5344% | 4,097 |
| Return on Equity (ROE) | 3.9776% | 4,096 |
| Retained earnings to average equity (ytd only) | -6.5014% | 6,196 |
| Net charge-offs to loans | 1.1040% | 2,215 |
| Credit loss provision to net charge-offs | 128.9808% | 3,989 |
| Earnings coverage of net charge-offs (x) | 1.8870% | 4,310 |
| Efficiency ratio | 64.8471% | 5,608 |
| Assets per employee ($millions) | 3.9257% | 3,966 |
| Cash dividends to net income (ytd only)* | 263.4503% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 2,687 |
| Loan loss allowance to noncurrent loans | 86.6891% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4645% | 4,203 |
| Noncurrent loans to loans | 2.0247% | 3,615 |
| Net loans and leases to total assets | 63.6514% | 4,667 |
| Net loans and leases to deposits | 86.1275% | 2,892 |
| Net loans and leases to core deposits | 102.9183% | 3,698 |
| Total domestic deposits to total assets | 73.9037% | 7,027 |
| Equity capital to assets | 12.5982% | 1,701 |
| Core capital (leverage) ratio | 7.5148% | 6,772 |
| Tier 1 risk-based capital ratio | 10.6587% | 6,243 |
| Total risk-based capital ratio | 11.9016% | 6,226 |
| Memoranda: | ||
| Average total assets | $5,543,857,600 | 158 |
| Average earning assets | $4,860,988,800 | 158 |
| Average equity | $701,401,400 | 141 |
| Average total loans | $3,549,696,600 | 159 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 5,468 |
| Cost of funding earning assets | 1.9747% | 3,490 |
| Net interest margin | 3.3176% | 5,575 |
| Noninterest income to average assets | 0.9570% | 1,755 |
| Noninterest expense to average assets | 2.5857% | 5,763 |
| Loan and lease loss provision to assets | 0.8630% | 2,226 |
| Net operating income to assets | 0.3767% | 4,491 |
| Return on assets (ROA) | 0.4625% | 4,256 |
| Pretax return on assets | 0.5169% | 4,467 |
| Return on Equity (ROE) | 3.6516% | 4,519 |
| Retained earnings to average equity (ytd only) | -10.2023% | 6,821 |
| Net charge-offs to loans | 0.9421% | 2,087 |
| Credit loss provision to net charge-offs | 143.4638% | 3,409 |
| Earnings coverage of net charge-offs (x) | 2.1338% | 4,221 |
| Efficiency ratio | 65.4307% | 5,469 |
| Assets per employee ($millions) | 3.9485% | 3,830 |
| Cash dividends to net income (ytd only)* | 379.3940% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 2,524 |
| Loan loss allowance to noncurrent loans | 80.8525% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.4986% | 4,120 |
| Noncurrent loans to loans | 2.1393% | 3,458 |
| Net loans and leases to total assets | 62.2215% | 5,204 |
| Net loans and leases to deposits | 86.1708% | 3,282 |
| Net loans and leases to core deposits | 103.2496% | 4,027 |
| Total domestic deposits to total assets | 72.2072% | 7,180 |
| Equity capital to assets | 12.1719% | 2,144 |
| Core capital (leverage) ratio | 7.1219% | 7,346 |
| Tier 1 risk-based capital ratio | 10.3370% | 6,637 |
| Total risk-based capital ratio | 11.5814% | 6,591 |
| Memoranda: | ||
| Average total assets | $5,585,282,000 | 166 |
| Average earning assets | $4,902,770,000 | 166 |
| Average equity | $707,363,500 | 142 |
| Average total loans | $3,566,012,250 | 169 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2680% | 5,799 |
| Cost of funding earning assets | 1.9950% | 3,803 |
| Net interest margin | 3.2730% | 5,648 |
| Noninterest income to average assets | 0.8653% | 2,121 |
| Noninterest expense to average assets | 2.5669% | 5,873 |
| Loan and lease loss provision to assets | 0.7128% | 2,295 |
| Net operating income to assets | 0.3922% | 4,543 |
| Return on assets (ROA) | 0.4739% | 4,314 |
| Pretax return on assets | 0.5520% | 4,462 |
| Return on Equity (ROE) | 3.6944% | 4,623 |
| Retained earnings to average equity (ytd only) | -0.0657% | 5,235 |
| Net charge-offs to loans | 0.6240% | 2,474 |
| Credit loss provision to net charge-offs | 178.4277% | 2,569 |
| Earnings coverage of net charge-offs (x) | 2.9282% | 3,635 |
| Efficiency ratio | 67.2761% | 5,298 |
| Assets per employee ($millions) | 3.9184% | 3,843 |
| Cash dividends to net income (ytd only)* | 101.7793% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 2,533 |
| Loan loss allowance to noncurrent loans | 73.0470% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.4535% | 4,067 |
| Noncurrent loans to loans | 2.2558% | 3,179 |
| Net loans and leases to total assets | 61.4882% | 5,437 |
| Net loans and leases to deposits | 85.2475% | 3,692 |
| Net loans and leases to core deposits | 101.7092% | 4,309 |
| Total domestic deposits to total assets | 72.1290% | 7,228 |
| Equity capital to assets | 12.6047% | 1,877 |
| Core capital (leverage) ratio | 7.8422% | 6,558 |
| Tier 1 risk-based capital ratio | 11.1891% | 5,686 |
| Total risk-based capital ratio | 12.4322% | 5,616 |
| Memoranda: | ||
| Average total assets | $5,597,826,670 | 171 |
| Average earning assets | $4,910,674,670 | 171 |
| Average equity | $718,067,330 | 144 |
| Average total loans | $3,583,821,670 | 177 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 6,320 |
| Cost of funding earning assets | 1.9365% | 4,454 |
| Net interest margin | 3.2573% | 5,668 |
| Noninterest income to average assets | 0.8359% | 2,145 |
| Noninterest expense to average assets | 2.4249% | 6,112 |
| Loan and lease loss provision to assets | 0.6878% | 1,837 |
| Net operating income to assets | 0.4687% | 4,573 |
| Return on assets (ROA) | 0.4802% | 4,705 |
| Pretax return on assets | 0.5943% | 4,772 |
| Return on Equity (ROE) | 3.7102% | 5,079 |
| Retained earnings to average equity (ytd only) | -0.1853% | 5,682 |
| Net charge-offs to loans | 0.5670% | 2,048 |
| Credit loss provision to net charge-offs | 187.2182% | 2,341 |
| Earnings coverage of net charge-offs (x) | 3.4513% | 3,177 |
| Efficiency ratio | 64.3042% | 5,632 |
| Assets per employee ($millions) | 4.1541% | 3,354 |
| Cash dividends to net income (ytd only)* | 104.9948% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 2,900 |
| Loan loss allowance to noncurrent loans | 88.0514% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 4,535 |
| Noncurrent loans to loans | 1.7188% | 3,686 |
| Net loans and leases to total assets | 59.7233% | 5,703 |
| Net loans and leases to deposits | 83.9362% | 3,994 |
| Net loans and leases to core deposits | 101.2691% | 4,413 |
| Total domestic deposits to total assets | 71.1532% | 7,314 |
| Equity capital to assets | 12.1896% | 2,144 |
| Core capital (leverage) ratio | 8.7897% | 5,011 |
| Tier 1 risk-based capital ratio | 11.5364% | 5,370 |
| Total risk-based capital ratio | 12.7783% | 5,275 |
| Memoranda: | ||
| Average total assets | $5,553,955,000 | 174 |
| Average earning assets | $4,871,313,000 | 172 |
| Average equity | $718,777,500 | 145 |
| Average total loans | $3,598,470,500 | 179 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1722% | 4,655 |
| Cost of funding earning assets | 2.4821% | 4,299 |
| Net interest margin | 3.6901% | 4,515 |
| Noninterest income to average assets | 1.0040% | 1,562 |
| Noninterest expense to average assets | 2.6406% | 5,485 |
| Loan and lease loss provision to assets | 0.6179% | 2,357 |
| Net operating income to assets | 0.8031% | 3,425 |
| Return on assets (ROA) | 0.8177% | 3,199 |
| Pretax return on assets | 0.9689% | 3,489 |
| Return on Equity (ROE) | 6.0990% | 3,903 |
| Retained earnings to average equity (ytd only) | -0.2766% | 5,367 |
| Net charge-offs to loans | 0.5420% | 2,197 |
| Credit loss provision to net charge-offs | 163.5166% | 3,153 |
| Earnings coverage of net charge-offs (x) | 4.1530% | 4,085 |
| Efficiency ratio | 61.0028% | 6,164 |
| Assets per employee ($millions) | 3.5113% | 4,625 |
| Cash dividends to net income (ytd only)* | 104.5345% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 3,316 |
| Loan loss allowance to noncurrent loans | 98.5281% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0044% | 4,315 |
| Noncurrent loans to loans | 1.3993% | 3,717 |
| Net loans and leases to total assets | 68.5535% | 4,352 |
| Net loans and leases to deposits | 101.6629% | 1,615 |
| Net loans and leases to core deposits | 119.3957% | 2,748 |
| Total domestic deposits to total assets | 67.4321% | 7,524 |
| Equity capital to assets | 13.7972% | 1,497 |
| Core capital (leverage) ratio | 9.2718% | 4,340 |
| Tier 1 risk-based capital ratio | 11.9795% | 4,841 |
| Total risk-based capital ratio | 13.2213% | 4,732 |
| Memoranda: | ||
| Average total assets | $5,264,291,000 | 176 |
| Average earning assets | $4,573,745,200 | 179 |
| Average equity | $705,826,400 | 147 |
| Average total loans | $3,670,171,400 | 173 |