Home > Bank of the Sierra > Performance and Condition Ratios
Bank of the Sierra, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0131% | 39 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 397,520.0000% | 4 |
| Cost of funding earning assets | 3,681.0000% | 4 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.0897% | 1,922 |
| Pretax return on assets | 1.4660% | 1,497 |
| Return on Equity (ROE) | 10.6600% | 2,321 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0466% | 1,412 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.2605% | 2,816 |
| Efficiency ratio | 6.1841% | 4,561 |
| Assets per employee ($millions) | 0.1024% | 4,560 |
| Cash dividends to net income (ytd only)* | 61.0000% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 44,042.0000% | 2 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 9.0000% | 4,513 |
| Equity capital to assets | 25,456.0000% | 25 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $954,000 | 4,604 |
| Average earning assets | $1,177 | 4,590 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 2,366 |
| Cost of funding earning assets | 1.2896% | 2,176 |
| Net interest margin | 3.4642% | 2,300 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.3822% | 2,574 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.1655% | 1,889 |
| Return on assets (ROA) | 1.1767% | 1,841 |
| Pretax return on assets | 1.5867% | 1,388 |
| Return on Equity (ROE) | 11.7400% | 2,197 |
| Retained earnings to average equity (ytd only) | 6.9194% | 2,319 |
| Net charge-offs to loans | 0.0286% | 1,503 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 98.6284% | 925 |
| Efficiency ratio | 59.5549% | 3,019 |
| Assets per employee ($millions) | 7.6721% | 1,521 |
| Cash dividends to net income (ytd only)* | 41.0363% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 2,877 |
| Loan loss allowance to noncurrent loans | 1,216.8865% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,298 |
| Noncurrent loans to loans | 0.0902% | 3,128 |
| Net loans and leases to total assets | 55.6100% | 3,234 |
| Net loans and leases to deposits | 72.0388% | 2,707 |
| Net loans and leases to core deposits | 85.0479% | 2,257 |
| Total domestic deposits to total assets | 77.2000% | 3,907 |
| Equity capital to assets | 10.1462% | 1,742 |
| Core capital (leverage) ratio | 11.0456% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,699,860,750 | 347 |
| Average earning assets | $3,384,625,250 | 336 |
| Average equity | $371,004,250 | 335 |
| Average total loans | $2,070,561,500 | 396 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 2,330 |
| Cost of funding earning assets | 1.1635% | 2,097 |
| Net interest margin | 3.4772% | 2,322 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.4108% | 2,445 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.1377% | 2,012 |
| Return on assets (ROA) | 1.1547% | 1,954 |
| Pretax return on assets | 1.5518% | 1,496 |
| Return on Equity (ROE) | 11.5600% | 2,283 |
| Retained earnings to average equity (ytd only) | 6.1313% | 2,576 |
| Net charge-offs to loans | 0.0366% | 1,175 |
| Credit loss provision to net charge-offs | 86.7374% | 1,522 |
| Earnings coverage of net charge-offs (x) | 75.3501% | 1,081 |
| Efficiency ratio | 60.4098% | 2,912 |
| Assets per employee ($millions) | 7.4910% | 1,613 |
| Cash dividends to net income (ytd only)* | 46.9682% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 2,962 |
| Loan loss allowance to noncurrent loans | 2,014.8862% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,482 |
| Noncurrent loans to loans | 0.0545% | 3,310 |
| Net loans and leases to total assets | 55.0900% | 3,183 |
| Net loans and leases to deposits | 70.5186% | 2,747 |
| Net loans and leases to core deposits | 83.0323% | 2,269 |
| Total domestic deposits to total assets | 78.1100% | 3,836 |
| Equity capital to assets | 10.0018% | 1,860 |
| Core capital (leverage) ratio | 10.8566% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,687,704,667 | 336 |
| Average earning assets | $3,374,260,000 | 326 |
| Average equity | $368,307,667 | 326 |
| Average total loans | $2,060,424,333 | 383 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 2,383 |
| Cost of funding earning assets | 0.9790% | 2,113 |
| Net interest margin | 3.4941% | 2,382 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.4415% | 2,393 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0936% | 2,252 |
| Return on assets (ROA) | 1.0975% | 2,204 |
| Pretax return on assets | 1.4524% | 1,763 |
| Return on Equity (ROE) | 11.0000% | 2,489 |
| Retained earnings to average equity (ytd only) | 0.0198% | 4,012 |
| Net charge-offs to loans | 0.0431% | 928 |
| Credit loss provision to net charge-offs | 113.6364% | 1,051 |
| Earnings coverage of net charge-offs (x) | 61.2409% | 1,006 |
| Efficiency ratio | 61.7114% | 2,727 |
| Assets per employee ($millions) | 7.3896% | 1,686 |
| Cash dividends to net income (ytd only)* | 99.8203% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 2,882 |
| Loan loss allowance to noncurrent loans | 2,248.2960% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 3,505 |
| Noncurrent loans to loans | 0.0505% | 3,381 |
| Net loans and leases to total assets | 54.4300% | 3,163 |
| Net loans and leases to deposits | 67.5529% | 2,810 |
| Net loans and leases to core deposits | 79.2613% | 2,304 |
| Total domestic deposits to total assets | 80.5700% | 3,696 |
| Equity capital to assets | 9.8752% | 1,885 |
| Core capital (leverage) ratio | 10.7390% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,651,323,000 | 350 |
| Average earning assets | $3,346,125,500 | 339 |
| Average equity | $364,404,500 | 339 |
| Average total loans | $2,043,404,500 | 397 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 2,222 |
| Cost of funding earning assets | 0.2786% | 3,056 |
| Net interest margin | 3.5402% | 1,808 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.3762% | 2,488 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 1.0528% | 2,364 |
| Return on assets (ROA) | 1.0867% | 2,169 |
| Pretax return on assets | 1.4599% | 1,573 |
| Return on Equity (ROE) | 9.7100% | 2,902 |
| Retained earnings to average equity (ytd only) | 2.4894% | 3,860 |
| Net charge-offs to loans | 0.5737% | 125 |
| Credit loss provision to net charge-offs | 94.3713% | 1,603 |
| Earnings coverage of net charge-offs (x) | 5.1761% | 2,386 |
| Efficiency ratio | 57.2384% | 3,436 |
| Assets per employee ($millions) | 7.3480% | 1,726 |
| Cash dividends to net income (ytd only)* | 74.3514% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 2,767 |
| Loan loss allowance to noncurrent loans | 113.4843% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 893 |
| Noncurrent loans to loans | 0.9899% | 739 |
| Net loans and leases to total assets | 56.2600% | 3,004 |
| Net loans and leases to deposits | 70.6675% | 2,526 |
| Net loans and leases to core deposits | 79.1163% | 2,189 |
| Total domestic deposits to total assets | 79.6100% | 3,931 |
| Equity capital to assets | 10.0874% | 1,670 |
| Core capital (leverage) ratio | 10.9859% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $3,465,527,600 | 347 |
| Average earning assets | $3,189,947,200 | 341 |
| Average equity | $388,003,000 | 316 |
| Average total loans | $2,012,881,200 | 376 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 2,237 |
| Cost of funding earning assets | 0.1541% | 3,810 |
| Net interest margin | 3.4824% | 1,715 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.3799% | 2,396 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.1173% | 2,014 |
| Return on assets (ROA) | 1.1490% | 1,868 |
| Pretax return on assets | 1.5619% | 1,224 |
| Return on Equity (ROE) | 10.0000% | 2,721 |
| Retained earnings to average equity (ytd only) | 6.6185% | 2,509 |
| Net charge-offs to loans | 0.2849% | 230 |
| Credit loss provision to net charge-offs | 101.8692% | 1,308 |
| Earnings coverage of net charge-offs (x) | 10.1241% | 2,001 |
| Efficiency ratio | 57.8314% | 3,401 |
| Assets per employee ($millions) | 7.0635% | 1,895 |
| Cash dividends to net income (ytd only)* | 33.8306% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,647 |
| Loan loss allowance to noncurrent loans | 88.8582% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 663 |
| Noncurrent loans to loans | 1.3254% | 552 |
| Net loans and leases to total assets | 56.5200% | 2,852 |
| Net loans and leases to deposits | 68.8868% | 2,465 |
| Net loans and leases to core deposits | 74.5786% | 2,308 |
| Total domestic deposits to total assets | 82.0500% | 3,834 |
| Equity capital to assets | 10.4505% | 1,396 |
| Core capital (leverage) ratio | 11.5395% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $3,429,947,000 | 353 |
| Average earning assets | $3,160,961,750 | 343 |
| Average equity | $394,019,000 | 311 |
| Average total loans | $2,002,897,250 | 375 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4587% | 2,263 |
| Cost of funding earning assets | 0.0958% | 4,233 |
| Net interest margin | 3.3629% | 1,709 |
| Noninterest income to average assets | 0.9057% | 836 |
| Noninterest expense to average assets | 2.4089% | 2,199 |
| Loan and lease loss provision to assets | 0.1722% | 520 |
| Net operating income to assets | 1.0437% | 2,004 |
| Return on assets (ROA) | 1.0917% | 1,787 |
| Pretax return on assets | 1.4939% | 1,185 |
| Return on Equity (ROE) | 9.2148% | 2,625 |
| Retained earnings to average equity (ytd only) | 9.2148% | 1,224 |
| Net charge-offs to loans | 0.4061% | 174 |
| Credit loss provision to net charge-offs | 77.6079% | 1,396 |
| Earnings coverage of net charge-offs (x) | 6.7223% | 1,883 |
| Efficiency ratio | 59.2676% | 3,407 |
| Assets per employee ($millions) | 6.7383% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 3,050 |
| Loan loss allowance to noncurrent loans | 76.6608% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.8759% | 584 |
| Noncurrent loans to loans | 1.4713% | 505 |
| Net loans and leases to total assets | 58.8554% | 2,451 |
| Net loans and leases to deposits | 69.9231% | 2,213 |
| Net loans and leases to core deposits | 74.6361% | 2,116 |
| Total domestic deposits to total assets | 84.1716% | 3,653 |
| Equity capital to assets | 11.1405% | 1,155 |
| Core capital (leverage) ratio | 11.7185% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,396,013,000 | 349 |
| Average earning assets | $3,139,192,667 | 342 |
| Average equity | $402,330,667 | 305 |
| Average total loans | $1,997,191,000 | 370 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3048% | 2,377 |
| Cost of funding earning assets | 0.0814% | 4,345 |
| Net interest margin | 3.2235% | 1,808 |
| Noninterest income to average assets | 0.5931% | 1,721 |
| Noninterest expense to average assets | 2.2974% | 2,510 |
| Loan and lease loss provision to assets | 0.0596% | 1,337 |
| Net operating income to assets | 0.8888% | 2,326 |
| Return on assets (ROA) | 0.9848% | 1,942 |
| Pretax return on assets | 1.3540% | 1,371 |
| Return on Equity (ROE) | 8.0719% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.0719% | 1,561 |
| Net charge-offs to loans | 0.3587% | 185 |
| Credit loss provision to net charge-offs | 33.7079% | 1,250 |
| Earnings coverage of net charge-offs (x) | 6.1624% | 1,582 |
| Efficiency ratio | 63.1752% | 3,119 |
| Assets per employee ($millions) | 7.0669% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,167 |
| Loan loss allowance to noncurrent loans | 73.9974% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 602 |
| Noncurrent loans to loans | 1.5361% | 530 |
| Net loans and leases to total assets | 57.2919% | 2,381 |
| Net loans and leases to deposits | 68.1241% | 2,144 |
| Net loans and leases to core deposits | 72.5999% | 2,060 |
| Total domestic deposits to total assets | 84.0994% | 3,747 |
| Equity capital to assets | 11.7121% | 1,055 |
| Core capital (leverage) ratio | 11.6531% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,395,977,500 | 349 |
| Average earning assets | $3,156,714,000 | 344 |
| Average equity | $414,325,500 | 307 |
| Average total loans | $1,984,996,000 | 368 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6580% | 2,227 |
| Cost of funding earning assets | 0.0842% | 4,502 |
| Net interest margin | 3.5738% | 1,538 |
| Noninterest income to average assets | 0.8432% | 1,335 |
| Noninterest expense to average assets | 2.4493% | 2,336 |
| Loan and lease loss provision to assets | -0.1097% | 4,553 |
| Net operating income to assets | 1.3669% | 1,387 |
| Return on assets (ROA) | 1.3672% | 1,437 |
| Pretax return on assets | 1.8248% | 869 |
| Return on Equity (ROE) | 11.6764% | 1,924 |
| Retained earnings to average equity (ytd only) | 10.8548% | 733 |
| Net charge-offs to loans | -0.0076% | 3,657 |
| Credit loss provision to net charge-offs | 2,185.6287% | 293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0754% | 3,435 |
| Assets per employee ($millions) | 7.0241% | 1,908 |
| Cash dividends to net income (ytd only)* | 7.0358% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 4,396 |
| Loan loss allowance to noncurrent loans | 313.3187% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 2,978 |
| Noncurrent loans to loans | 0.2289% | 2,813 |
| Net loans and leases to total assets | 58.5366% | 2,319 |
| Net loans and leases to deposits | 70.4427% | 2,084 |
| Net loans and leases to core deposits | 75.1413% | 1,986 |
| Total domestic deposits to total assets | 83.0981% | 3,788 |
| Equity capital to assets | 12.6960% | 996 |
| Core capital (leverage) ratio | 11.3130% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,326,717,400 | 348 |
| Average earning assets | $3,091,203,200 | 343 |
| Average equity | $389,521,800 | 325 |
| Average total loans | $2,202,150,200 | 338 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6889% | 2,303 |
| Cost of funding earning assets | 0.0842% | 4,615 |
| Net interest margin | 3.6047% | 1,592 |
| Noninterest income to average assets | 0.8421% | 1,407 |
| Noninterest expense to average assets | 2.4094% | 2,411 |
| Loan and lease loss provision to assets | -0.0985% | 4,600 |
| Net operating income to assets | 1.4052% | 1,524 |
| Return on assets (ROA) | 1.4056% | 1,580 |
| Pretax return on assets | 1.8788% | 984 |
| Return on Equity (ROE) | 12.2671% | 1,949 |
| Retained earnings to average equity (ytd only) | 11.1440% | 1,026 |
| Net charge-offs to loans | -0.0194% | 3,949 |
| Credit loss provision to net charge-offs | 746.9512% | 620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7660% | 3,440 |
| Assets per employee ($millions) | 7.1437% | 1,776 |
| Cash dividends to net income (ytd only)* | 9.1554% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 4,448 |
| Loan loss allowance to noncurrent loans | 229.0219% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 2,790 |
| Noncurrent loans to loans | 0.3191% | 2,632 |
| Net loans and leases to total assets | 61.6157% | 2,058 |
| Net loans and leases to deposits | 73.8119% | 1,876 |
| Net loans and leases to core deposits | 78.5058% | 1,857 |
| Total domestic deposits to total assets | 83.4766% | 3,585 |
| Equity capital to assets | 11.5014% | 1,677 |
| Core capital (leverage) ratio | 10.6614% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,315,502,500 | 350 |
| Average earning assets | $3,078,679,000 | 343 |
| Average equity | $379,888,750 | 334 |
| Average total loans | $2,255,722,500 | 334 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 2,088 |
| Cost of funding earning assets | 0.0865% | 4,657 |
| Net interest margin | 3.7060% | 1,338 |
| Noninterest income to average assets | 0.8182% | 1,484 |
| Noninterest expense to average assets | 2.4222% | 2,390 |
| Loan and lease loss provision to assets | -0.1130% | 4,650 |
| Net operating income to assets | 1.4487% | 1,420 |
| Return on assets (ROA) | 1.4487% | 1,492 |
| Pretax return on assets | 1.9455% | 930 |
| Return on Equity (ROE) | 12.6608% | 1,834 |
| Retained earnings to average equity (ytd only) | 10.9519% | 1,138 |
| Net charge-offs to loans | -0.0464% | 4,339 |
| Credit loss provision to net charge-offs | 347.0919% | 825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1736% | 3,519 |
| Assets per employee ($millions) | 6.7337% | 1,997 |
| Cash dividends to net income (ytd only)* | 13.4976% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 4,425 |
| Loan loss allowance to noncurrent loans | 224.5146% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 2,695 |
| Noncurrent loans to loans | 0.3416% | 2,686 |
| Net loans and leases to total assets | 64.9191% | 1,839 |
| Net loans and leases to deposits | 76.2953% | 1,789 |
| Net loans and leases to core deposits | 82.1269% | 1,712 |
| Total domestic deposits to total assets | 85.0892% | 3,054 |
| Equity capital to assets | 11.7639% | 1,479 |
| Core capital (leverage) ratio | 10.4255% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,272,912,000 | 349 |
| Average earning assets | $3,034,878,333 | 344 |
| Average equity | $374,510,000 | 334 |
| Average total loans | $2,295,225,333 | 328 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 1,886 |
| Cost of funding earning assets | 0.0862% | 4,720 |
| Net interest margin | 3.7915% | 1,158 |
| Noninterest income to average assets | 0.8261% | 1,524 |
| Noninterest expense to average assets | 2.4201% | 2,434 |
| Loan and lease loss provision to assets | 0.0306% | 2,378 |
| Net operating income to assets | 1.4094% | 1,544 |
| Return on assets (ROA) | 1.4094% | 1,615 |
| Pretax return on assets | 1.8955% | 1,123 |
| Return on Equity (ROE) | 12.4927% | 1,838 |
| Retained earnings to average equity (ytd only) | 9.0264% | 1,950 |
| Net charge-offs to loans | -0.0556% | 4,437 |
| Credit loss provision to net charge-offs | -75.7576% | 2,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9279% | 3,678 |
| Assets per employee ($millions) | 6.5484% | 2,136 |
| Cash dividends to net income (ytd only)* | 27.7465% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8018% | 4,406 |
| Loan loss allowance to noncurrent loans | 211.5602% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 2,700 |
| Noncurrent loans to loans | 0.3790% | 2,738 |
| Net loans and leases to total assets | 68.1313% | 1,517 |
| Net loans and leases to deposits | 79.0731% | 1,607 |
| Net loans and leases to core deposits | 89.1736% | 1,275 |
| Total domestic deposits to total assets | 86.1625% | 2,678 |
| Equity capital to assets | 11.1686% | 1,744 |
| Core capital (leverage) ratio | 10.3620% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,273,069,000 | 346 |
| Average earning assets | $3,038,719,000 | 340 |
| Average equity | $369,273,000 | 335 |
| Average total loans | $2,372,357,500 | 319 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0515% | 2,577 |
| Cost of funding earning assets | 0.1540% | 4,717 |
| Net interest margin | 3.8976% | 1,218 |
| Noninterest income to average assets | 0.8658% | 1,359 |
| Noninterest expense to average assets | 2.5081% | 2,822 |
| Loan and lease loss provision to assets | 0.2890% | 1,311 |
| Net operating income to assets | 1.2539% | 1,373 |
| Return on assets (ROA) | 1.2643% | 1,457 |
| Pretax return on assets | 1.6666% | 915 |
| Return on Equity (ROE) | 10.6171% | 1,769 |
| Retained earnings to average equity (ytd only) | 4.0887% | 2,766 |
| Net charge-offs to loans | 0.0346% | 2,357 |
| Credit loss provision to net charge-offs | 1,164.8501% | 698 |
| Earnings coverage of net charge-offs (x) | 78.2929% | 906 |
| Efficiency ratio | 55.5393% | 4,040 |
| Assets per employee ($millions) | 6.4263% | 1,974 |
| Cash dividends to net income (ytd only)* | 61.4891% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7211% | 4,554 |
| Loan loss allowance to noncurrent loans | 232.1120% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 2,966 |
| Noncurrent loans to loans | 0.3107% | 3,095 |
| Net loans and leases to total assets | 75.8555% | 804 |
| Net loans and leases to deposits | 92.6276% | 742 |
| Net loans and leases to core deposits | 105.5555% | 666 |
| Total domestic deposits to total assets | 81.8930% | 3,686 |
| Equity capital to assets | 11.3995% | 1,960 |
| Core capital (leverage) ratio | 10.1186% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,958,511,400 | 346 |
| Average earning assets | $2,721,016,800 | 342 |
| Average equity | $352,309,000 | 326 |
| Average total loans | $2,122,578,400 | 340 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 2,847 |
| Cost of funding earning assets | 0.1765% | 4,737 |
| Net interest margin | 3.8669% | 1,432 |
| Noninterest income to average assets | 0.8944% | 1,240 |
| Noninterest expense to average assets | 2.4719% | 2,930 |
| Loan and lease loss provision to assets | 0.2926% | 1,386 |
| Net operating income to assets | 1.2758% | 1,407 |
| Return on assets (ROA) | 1.2900% | 1,484 |
| Pretax return on assets | 1.6948% | 976 |
| Return on Equity (ROE) | 10.7056% | 1,782 |
| Retained earnings to average equity (ytd only) | 3.0568% | 3,499 |
| Net charge-offs to loans | 0.0449% | 1,983 |
| Credit loss provision to net charge-offs | 924.3086% | 882 |
| Earnings coverage of net charge-offs (x) | 62.2096% | 1,075 |
| Efficiency ratio | 54.8191% | 4,062 |
| Assets per employee ($millions) | 6.5164% | 1,820 |
| Cash dividends to net income (ytd only)* | 71.4464% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 4,654 |
| Loan loss allowance to noncurrent loans | 215.6635% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 2,884 |
| Noncurrent loans to loans | 0.3040% | 3,194 |
| Net loans and leases to total assets | 73.8113% | 1,394 |
| Net loans and leases to deposits | 90.7078% | 1,201 |
| Net loans and leases to core deposits | 101.4162% | 1,066 |
| Total domestic deposits to total assets | 81.3726% | 3,574 |
| Equity capital to assets | 11.2334% | 2,203 |
| Core capital (leverage) ratio | 10.2914% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,893,245,500 | 339 |
| Average earning assets | $2,653,843,750 | 339 |
| Average equity | $348,632,750 | 323 |
| Average total loans | $2,038,232,000 | 347 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,264 |
| Cost of funding earning assets | 0.2191% | 4,712 |
| Net interest margin | 3.8036% | 1,827 |
| Noninterest income to average assets | 0.9043% | 1,160 |
| Noninterest expense to average assets | 2.5142% | 2,926 |
| Loan and lease loss provision to assets | 0.2866% | 1,497 |
| Net operating income to assets | 1.2066% | 1,621 |
| Return on assets (ROA) | 1.2287% | 1,679 |
| Pretax return on assets | 1.6163% | 1,192 |
| Return on Equity (ROE) | 9.9392% | 2,001 |
| Retained earnings to average equity (ytd only) | -1.6537% | 4,553 |
| Net charge-offs to loans | 0.0377% | 1,987 |
| Credit loss provision to net charge-offs | 1,101.9284% | 740 |
| Earnings coverage of net charge-offs (x) | 72.0854% | 869 |
| Efficiency ratio | 56.4045% | 3,895 |
| Assets per employee ($millions) | 6.1097% | 2,082 |
| Cash dividends to net income (ytd only)* | 116.6385% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6137% | 4,724 |
| Loan loss allowance to noncurrent loans | 231.7553% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 3,208 |
| Noncurrent loans to loans | 0.2648% | 3,430 |
| Net loans and leases to total assets | 70.6126% | 1,936 |
| Net loans and leases to deposits | 87.0669% | 1,658 |
| Net loans and leases to core deposits | 96.2986% | 1,556 |
| Total domestic deposits to total assets | 81.1015% | 3,578 |
| Equity capital to assets | 11.1607% | 2,202 |
| Core capital (leverage) ratio | 10.8734% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,791,141,000 | 347 |
| Average earning assets | $2,557,271,667 | 346 |
| Average equity | $345,037,333 | 325 |
| Average total loans | $1,925,235,333 | 357 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,810 |
| Cost of funding earning assets | 0.3111% | 4,620 |
| Net interest margin | 4.0229% | 1,328 |
| Noninterest income to average assets | 0.9282% | 1,002 |
| Noninterest expense to average assets | 2.6552% | 2,820 |
| Loan and lease loss provision to assets | 0.2736% | 1,145 |
| Net operating income to assets | 1.2661% | 1,340 |
| Return on assets (ROA) | 1.2661% | 1,432 |
| Pretax return on assets | 1.6746% | 901 |
| Return on Equity (ROE) | 9.6856% | 1,848 |
| Retained earnings to average equity (ytd only) | 1.5464% | 3,584 |
| Net charge-offs to loans | 0.0606% | 1,405 |
| Credit loss provision to net charge-offs | 666.6667% | 743 |
| Earnings coverage of net charge-offs (x) | 47.4741% | 932 |
| Efficiency ratio | 56.7915% | 4,132 |
| Assets per employee ($millions) | 5.1748% | 2,458 |
| Cash dividends to net income (ytd only)* | 84.0336% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6360% | 4,709 |
| Loan loss allowance to noncurrent loans | 154.8540% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 3,236 |
| Noncurrent loans to loans | 0.4107% | 3,022 |
| Net loans and leases to total assets | 67.0101% | 2,701 |
| Net loans and leases to deposits | 81.8838% | 2,467 |
| Net loans and leases to core deposits | 93.4280% | 2,022 |
| Total domestic deposits to total assets | 81.8356% | 3,461 |
| Equity capital to assets | 13.0546% | 1,404 |
| Core capital (leverage) ratio | 12.0571% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,631,805,000 | 357 |
| Average earning assets | $2,404,328,500 | 353 |
| Average equity | $344,017,500 | 324 |
| Average total loans | $1,783,113,500 | 367 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 2,241 |
| Cost of funding earning assets | 0.5006% | 4,090 |
| Net interest margin | 4.2298% | 1,260 |
| Noninterest income to average assets | 0.9214% | 1,141 |
| Noninterest expense to average assets | 2.6892% | 2,918 |
| Loan and lease loss provision to assets | 0.0991% | 2,069 |
| Net operating income to assets | 1.4854% | 1,090 |
| Return on assets (ROA) | 1.4793% | 1,159 |
| Pretax return on assets | 1.9804% | 625 |
| Return on Equity (ROE) | 11.7471% | 1,605 |
| Retained earnings to average equity (ytd only) | 6.4396% | 1,642 |
| Net charge-offs to loans | 0.1346% | 1,435 |
| Credit loss provision to net charge-offs | 107.2330% | 2,317 |
| Earnings coverage of net charge-offs (x) | 22.5870% | 1,844 |
| Efficiency ratio | 55.4288% | 4,276 |
| Assets per employee ($millions) | 5.0554% | 2,509 |
| Cash dividends to net income (ytd only)* | 45.1811% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5621% | 4,800 |
| Loan loss allowance to noncurrent loans | 171.6485% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 3,431 |
| Noncurrent loans to loans | 0.3274% | 3,267 |
| Net loans and leases to total assets | 67.6926% | 2,725 |
| Net loans and leases to deposits | 80.7910% | 2,686 |
| Net loans and leases to core deposits | 93.7114% | 2,090 |
| Total domestic deposits to total assets | 83.7873% | 2,918 |
| Equity capital to assets | 13.0890% | 1,466 |
| Core capital (leverage) ratio | 11.7265% | 1,939 |
| Tier 1 risk-based capital ratio | 14.7491% | 2,887 |
| Total risk-based capital ratio | 15.2491% | 3,179 |
| Memoranda: | ||
| Average total assets | $2,573,450,800 | 350 |
| Average earning assets | $2,345,357,000 | 347 |
| Average equity | $324,072,000 | 326 |
| Average total loans | $1,767,020,800 | 361 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 2,297 |
| Cost of funding earning assets | 0.5255% | 4,047 |
| Net interest margin | 4.2156% | 1,342 |
| Noninterest income to average assets | 0.9155% | 1,110 |
| Noninterest expense to average assets | 2.6774% | 2,922 |
| Loan and lease loss provision to assets | 0.1064% | 1,818 |
| Net operating income to assets | 1.4696% | 1,275 |
| Return on assets (ROA) | 1.4708% | 1,332 |
| Pretax return on assets | 1.9722% | 732 |
| Return on Equity (ROE) | 11.7971% | 1,687 |
| Retained earnings to average equity (ytd only) | 4.6358% | 3,088 |
| Net charge-offs to loans | 0.0452% | 2,191 |
| Credit loss provision to net charge-offs | 342.2371% | 874 |
| Earnings coverage of net charge-offs (x) | 66.7994% | 991 |
| Efficiency ratio | 55.4329% | 4,226 |
| Assets per employee ($millions) | 5.0785% | 2,468 |
| Cash dividends to net income (ytd only)* | 60.7045% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 4,776 |
| Loan loss allowance to noncurrent loans | 165.6560% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 3,412 |
| Noncurrent loans to loans | 0.3755% | 3,212 |
| Net loans and leases to total assets | 67.8904% | 2,802 |
| Net loans and leases to deposits | 81.1571% | 2,784 |
| Net loans and leases to core deposits | 95.4358% | 2,044 |
| Total domestic deposits to total assets | 83.6531% | 2,951 |
| Equity capital to assets | 12.5036% | 1,910 |
| Core capital (leverage) ratio | 11.3796% | 2,317 |
| Tier 1 risk-based capital ratio | 14.3627% | 3,150 |
| Total risk-based capital ratio | 14.9288% | 3,394 |
| Memoranda: | ||
| Average total assets | $2,568,464,500 | 353 |
| Average earning assets | $2,338,981,750 | 350 |
| Average equity | $320,227,750 | 331 |
| Average total loans | $1,767,410,750 | 363 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 2,166 |
| Cost of funding earning assets | 0.5303% | 3,985 |
| Net interest margin | 4.2383% | 1,271 |
| Noninterest income to average assets | 0.9194% | 1,038 |
| Noninterest expense to average assets | 2.7321% | 2,811 |
| Loan and lease loss provision to assets | 0.0550% | 2,727 |
| Net operating income to assets | 1.4765% | 1,213 |
| Return on assets (ROA) | 1.4782% | 1,258 |
| Pretax return on assets | 1.9934% | 686 |
| Return on Equity (ROE) | 11.8682% | 1,627 |
| Retained earnings to average equity (ytd only) | 8.0841% | 1,356 |
| Net charge-offs to loans | 0.0647% | 1,732 |
| Credit loss provision to net charge-offs | 123.2394% | 1,714 |
| Earnings coverage of net charge-offs (x) | 45.8592% | 1,159 |
| Efficiency ratio | 57.1776% | 4,109 |
| Assets per employee ($millions) | 4.8712% | 2,635 |
| Cash dividends to net income (ytd only)* | 31.8844% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5550% | 4,944 |
| Loan loss allowance to noncurrent loans | 237.2869% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 3,822 |
| Noncurrent loans to loans | 0.2339% | 3,706 |
| Net loans and leases to total assets | 68.7213% | 2,721 |
| Net loans and leases to deposits | 81.1853% | 2,820 |
| Net loans and leases to core deposits | 95.2589% | 2,132 |
| Total domestic deposits to total assets | 84.6474% | 2,620 |
| Equity capital to assets | 12.7857% | 1,694 |
| Core capital (leverage) ratio | 11.6378% | 2,069 |
| Tier 1 risk-based capital ratio | 14.5725% | 3,029 |
| Total risk-based capital ratio | 15.0823% | 3,305 |
| Memoranda: | ||
| Average total assets | $2,546,043,330 | 357 |
| Average earning assets | $2,318,078,000 | 354 |
| Average equity | $317,116,330 | 335 |
| Average total loans | $1,756,345,670 | 364 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 1,970 |
| Cost of funding earning assets | 0.5261% | 3,939 |
| Net interest margin | 4.2497% | 1,196 |
| Noninterest income to average assets | 0.9319% | 965 |
| Noninterest expense to average assets | 2.7715% | 2,673 |
| Loan and lease loss provision to assets | 0.0474% | 2,699 |
| Net operating income to assets | 1.4858% | 1,145 |
| Return on assets (ROA) | 1.4866% | 1,168 |
| Pretax return on assets | 1.9797% | 664 |
| Return on Equity (ROE) | 12.0988% | 1,499 |
| Retained earnings to average equity (ytd only) | 8.2395% | 1,579 |
| Net charge-offs to loans | 0.1406% | 904 |
| Credit loss provision to net charge-offs | 48.9396% | 1,984 |
| Earnings coverage of net charge-offs (x) | 20.9119% | 1,541 |
| Efficiency ratio | 57.7669% | 4,114 |
| Assets per employee ($millions) | 4.7191% | 2,891 |
| Cash dividends to net income (ytd only)* | 31.8979% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5382% | 5,037 |
| Loan loss allowance to noncurrent loans | 204.5514% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 3,774 |
| Noncurrent loans to loans | 0.2631% | 3,619 |
| Net loans and leases to total assets | 68.7048% | 2,658 |
| Net loans and leases to deposits | 80.6380% | 2,762 |
| Net loans and leases to core deposits | 94.5422% | 2,078 |
| Total domestic deposits to total assets | 85.2015% | 2,599 |
| Equity capital to assets | 12.4617% | 1,756 |
| Core capital (leverage) ratio | 11.5622% | 2,094 |
| Tier 1 risk-based capital ratio | 14.4180% | 3,137 |
| Total risk-based capital ratio | 14.9120% | 3,426 |
| Memoranda: | ||
| Average total assets | $2,530,638,000 | 361 |
| Average earning assets | $2,302,020,500 | 359 |
| Average equity | $310,939,500 | 339 |
| Average total loans | $1,744,153,500 | 370 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6197% | 2,081 |
| Cost of funding earning assets | 0.3415% | 4,336 |
| Net interest margin | 4.2782% | 1,205 |
| Noninterest income to average assets | 0.9298% | 1,107 |
| Noninterest expense to average assets | 2.8740% | 2,440 |
| Loan and lease loss provision to assets | 0.1794% | 1,098 |
| Net operating income to assets | 1.3021% | 1,790 |
| Return on assets (ROA) | 1.3022% | 1,777 |
| Pretax return on assets | 1.7582% | 1,030 |
| Return on Equity (ROE) | 10.7620% | 2,179 |
| Retained earnings to average equity (ytd only) | 8.1206% | 1,178 |
| Net charge-offs to loans | 0.2217% | 876 |
| Credit loss provision to net charge-offs | 119.4399% | 2,178 |
| Earnings coverage of net charge-offs (x) | 12.8998% | 2,496 |
| Efficiency ratio | 59.7321% | 3,909 |
| Assets per employee ($millions) | 4.6625% | 2,938 |
| Cash dividends to net income (ytd only)* | 24.5440% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5621% | 5,036 |
| Loan loss allowance to noncurrent loans | 187.7527% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 3,605 |
| Noncurrent loans to loans | 0.2994% | 3,488 |
| Net loans and leases to total assets | 68.3789% | 2,826 |
| Net loans and leases to deposits | 81.4084% | 2,801 |
| Net loans and leases to core deposits | 94.9993% | 2,140 |
| Total domestic deposits to total assets | 83.9950% | 2,999 |
| Equity capital to assets | 12.1112% | 1,815 |
| Core capital (leverage) ratio | 11.3937% | 2,186 |
| Tier 1 risk-based capital ratio | 14.2530% | 3,181 |
| Total risk-based capital ratio | 14.7685% | 3,446 |
| Memoranda: | ||
| Average total assets | $2,424,833,200 | 365 |
| Average earning assets | $2,200,095,600 | 363 |
| Average equity | $293,401,600 | 345 |
| Average total loans | $1,642,933,800 | 383 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 2,083 |
| Cost of funding earning assets | 0.3052% | 4,482 |
| Net interest margin | 4.2605% | 1,209 |
| Noninterest income to average assets | 0.9344% | 1,096 |
| Noninterest expense to average assets | 2.9171% | 2,258 |
| Loan and lease loss provision to assets | 0.1639% | 1,159 |
| Net operating income to assets | 1.2878% | 1,905 |
| Return on assets (ROA) | 1.2878% | 1,903 |
| Pretax return on assets | 1.7200% | 1,228 |
| Return on Equity (ROE) | 10.6460% | 2,328 |
| Retained earnings to average equity (ytd only) | 8.2355% | 1,542 |
| Net charge-offs to loans | 0.2082% | 813 |
| Credit loss provision to net charge-offs | 116.6008% | 2,032 |
| Earnings coverage of net charge-offs (x) | 13.4047% | 2,364 |
| Efficiency ratio | 60.7622% | 3,693 |
| Assets per employee ($millions) | 4.4138% | 3,250 |
| Cash dividends to net income (ytd only)* | 22.6430% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5576% | 5,109 |
| Loan loss allowance to noncurrent loans | 86.1056% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 2,594 |
| Noncurrent loans to loans | 0.6476% | 2,471 |
| Net loans and leases to total assets | 68.5227% | 2,865 |
| Net loans and leases to deposits | 80.0462% | 3,042 |
| Net loans and leases to core deposits | 91.3865% | 2,535 |
| Total domestic deposits to total assets | 85.6039% | 2,356 |
| Equity capital to assets | 12.0027% | 1,904 |
| Core capital (leverage) ratio | 11.3022% | 2,333 |
| Tier 1 risk-based capital ratio | 14.2252% | 3,259 |
| Total risk-based capital ratio | 14.7340% | 3,552 |
| Memoranda: | ||
| Average total assets | $2,400,444,750 | 367 |
| Average earning assets | $2,178,381,750 | 365 |
| Average equity | $290,379,250 | 346 |
| Average total loans | $1,620,034,500 | 383 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 2,145 |
| Cost of funding earning assets | 0.2760% | 4,591 |
| Net interest margin | 4.2078% | 1,272 |
| Noninterest income to average assets | 0.9329% | 1,094 |
| Noninterest expense to average assets | 2.9427% | 2,219 |
| Loan and lease loss provision to assets | 0.0420% | 3,060 |
| Net operating income to assets | 1.3155% | 1,713 |
| Return on assets (ROA) | 1.3155% | 1,712 |
| Pretax return on assets | 1.7625% | 1,066 |
| Return on Equity (ROE) | 10.8456% | 2,179 |
| Retained earnings to average equity (ytd only) | 9.1133% | 1,178 |
| Net charge-offs to loans | 0.0511% | 1,873 |
| Credit loss provision to net charge-offs | 122.8501% | 1,774 |
| Earnings coverage of net charge-offs (x) | 52.7518% | 1,089 |
| Efficiency ratio | 61.9886% | 3,626 |
| Assets per employee ($millions) | 4.2926% | 3,433 |
| Cash dividends to net income (ytd only)* | 15.9724% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5614% | 5,175 |
| Loan loss allowance to noncurrent loans | 291.7918% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 3,930 |
| Noncurrent loans to loans | 0.1924% | 4,041 |
| Net loans and leases to total assets | 66.7182% | 3,048 |
| Net loans and leases to deposits | 77.4221% | 3,210 |
| Net loans and leases to core deposits | 86.0665% | 2,917 |
| Total domestic deposits to total assets | 86.1746% | 2,202 |
| Equity capital to assets | 12.0713% | 1,811 |
| Core capital (leverage) ratio | 11.3151% | 2,240 |
| Tier 1 risk-based capital ratio | 14.5747% | 3,083 |
| Total risk-based capital ratio | 15.0881% | 3,351 |
| Memoranda: | ||
| Average total assets | $2,379,625,330 | 370 |
| Average earning assets | $2,157,071,670 | 368 |
| Average equity | $288,634,330 | 347 |
| Average total loans | $1,594,342,330 | 385 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3922% | 2,225 |
| Cost of funding earning assets | 0.2490% | 4,715 |
| Net interest margin | 4.1432% | 1,327 |
| Noninterest income to average assets | 0.8525% | 1,290 |
| Noninterest expense to average assets | 2.9564% | 2,189 |
| Loan and lease loss provision to assets | 0.0339% | 3,050 |
| Net operating income to assets | 1.2134% | 1,948 |
| Return on assets (ROA) | 1.2134% | 1,957 |
| Pretax return on assets | 1.6207% | 1,334 |
| Return on Equity (ROE) | 9.9788% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.9788% | 1,166 |
| Net charge-offs to loans | 0.0639% | 1,467 |
| Credit loss provision to net charge-offs | 79.3651% | 1,753 |
| Earnings coverage of net charge-offs (x) | 38.6865% | 1,084 |
| Efficiency ratio | 64.1159% | 3,466 |
| Assets per employee ($millions) | 4.2996% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5636% | 5,247 |
| Loan loss allowance to noncurrent loans | 291.1593% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 3,430 |
| Noncurrent loans to loans | 0.1936% | 4,095 |
| Net loans and leases to total assets | 66.8321% | 2,919 |
| Net loans and leases to deposits | 77.7902% | 3,039 |
| Net loans and leases to core deposits | 86.7816% | 2,738 |
| Total domestic deposits to total assets | 85.9133% | 2,583 |
| Equity capital to assets | 12.1138% | 1,703 |
| Core capital (leverage) ratio | 11.4340% | 2,063 |
| Tier 1 risk-based capital ratio | 14.6661% | 3,043 |
| Total risk-based capital ratio | 15.1848% | 3,330 |
| Memoranda: | ||
| Average total assets | $2,356,779,000 | 375 |
| Average earning assets | $2,137,961,500 | 373 |
| Average equity | $286,567,500 | 350 |
| Average total loans | $1,577,881,500 | 391 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 2,528 |
| Cost of funding earning assets | 0.2021% | 4,937 |
| Net interest margin | 4.0399% | 1,623 |
| Noninterest income to average assets | 1.0094% | 999 |
| Noninterest expense to average assets | 3.0422% | 2,038 |
| Loan and lease loss provision to assets | -0.0542% | 5,409 |
| Net operating income to assets | 0.9519% | 2,437 |
| Return on assets (ROA) | 0.9391% | 2,534 |
| Pretax return on assets | 1.6635% | 1,114 |
| Return on Equity (ROE) | 7.8880% | 2,846 |
| Retained earnings to average equity (ytd only) | 1.7009% | 4,288 |
| Net charge-offs to loans | -0.0361% | 5,105 |
| Credit loss provision to net charge-offs | 236.5145% | 1,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1243% | 3,420 |
| Assets per employee ($millions) | 4.1789% | 3,693 |
| Cash dividends to net income (ytd only)* | 78.4373% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5795% | 5,277 |
| Loan loss allowance to noncurrent loans | 213.2783% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 3,212 |
| Noncurrent loans to loans | 0.2717% | 3,813 |
| Net loans and leases to total assets | 66.3005% | 3,058 |
| Net loans and leases to deposits | 77.8385% | 3,132 |
| Net loans and leases to core deposits | 86.9351% | 2,830 |
| Total domestic deposits to total assets | 85.1770% | 2,766 |
| Equity capital to assets | 12.2054% | 1,695 |
| Core capital (leverage) ratio | 11.1390% | 2,204 |
| Tier 1 risk-based capital ratio | 14.5131% | 3,084 |
| Total risk-based capital ratio | 15.0425% | 3,390 |
| Memoranda: | ||
| Average total assets | $2,104,143,000 | 394 |
| Average earning assets | $1,907,300,000 | 394 |
| Average equity | $250,519,200 | 373 |
| Average total loans | $1,336,230,200 | 420 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 3,045 |
| Cost of funding earning assets | 0.1885% | 5,065 |
| Net interest margin | 3.8935% | 2,064 |
| Noninterest income to average assets | 1.0013% | 1,020 |
| Noninterest expense to average assets | 2.9574% | 2,223 |
| Loan and lease loss provision to assets | 0.0196% | 3,748 |
| Net operating income to assets | 1.0188% | 2,478 |
| Return on assets (ROA) | 1.0217% | 2,503 |
| Pretax return on assets | 1.5590% | 1,549 |
| Return on Equity (ROE) | 8.6432% | 2,790 |
| Retained earnings to average equity (ytd only) | 1.1974% | 4,924 |
| Net charge-offs to loans | 0.1268% | 1,517 |
| Credit loss provision to net charge-offs | 24.6508% | 3,127 |
| Earnings coverage of net charge-offs (x) | 19.8422% | 1,981 |
| Efficiency ratio | 65.2602% | 3,333 |
| Assets per employee ($millions) | 4.0788% | 3,856 |
| Cash dividends to net income (ytd only)* | 86.1464% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6683% | 5,209 |
| Loan loss allowance to noncurrent loans | 212.9971% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 3,755 |
| Noncurrent loans to loans | 0.3138% | 3,828 |
| Net loans and leases to total assets | 63.0084% | 3,551 |
| Net loans and leases to deposits | 73.1082% | 3,655 |
| Net loans and leases to core deposits | 82.4476% | 3,249 |
| Total domestic deposits to total assets | 86.1852% | 2,238 |
| Equity capital to assets | 11.6614% | 2,222 |
| Core capital (leverage) ratio | 11.2425% | 2,227 |
| Tier 1 risk-based capital ratio | 15.8562% | 2,568 |
| Total risk-based capital ratio | 16.4819% | 2,753 |
| Memoranda: | ||
| Average total assets | $2,045,133,750 | 400 |
| Average earning assets | $1,854,406,250 | 406 |
| Average equity | $241,741,750 | 386 |
| Average total loans | $1,280,139,250 | 436 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 3,170 |
| Cost of funding earning assets | 0.1712% | 5,200 |
| Net interest margin | 3.8401% | 2,130 |
| Noninterest income to average assets | 1.0180% | 980 |
| Noninterest expense to average assets | 2.9650% | 2,213 |
| Loan and lease loss provision to assets | 0.0295% | 3,406 |
| Net operating income to assets | 0.9926% | 2,459 |
| Return on assets (ROA) | 0.9969% | 2,490 |
| Pretax return on assets | 1.5043% | 1,618 |
| Return on Equity (ROE) | 8.3952% | 2,830 |
| Retained earnings to average equity (ytd only) | 6.3272% | 1,948 |
| Net charge-offs to loans | 0.1215% | 1,434 |
| Credit loss provision to net charge-offs | 38.9105% | 2,650 |
| Earnings coverage of net charge-offs (x) | 20.1673% | 1,805 |
| Efficiency ratio | 66.0020% | 3,351 |
| Assets per employee ($millions) | 4.1797% | 3,661 |
| Cash dividends to net income (ytd only)* | 24.6330% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 5,186 |
| Loan loss allowance to noncurrent loans | 163.2761% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 3,628 |
| Noncurrent loans to loans | 0.4342% | 3,457 |
| Net loans and leases to total assets | 62.2332% | 3,605 |
| Net loans and leases to deposits | 72.0405% | 3,735 |
| Net loans and leases to core deposits | 80.9801% | 3,347 |
| Total domestic deposits to total assets | 86.3864% | 2,200 |
| Equity capital to assets | 11.9123% | 1,988 |
| Core capital (leverage) ratio | 11.6715% | 1,851 |
| Tier 1 risk-based capital ratio | 16.3230% | 2,387 |
| Total risk-based capital ratio | 16.9833% | 2,544 |
| Memoranda: | ||
| Average total assets | $2,036,172,670 | 403 |
| Average earning assets | $1,842,210,330 | 406 |
| Average equity | $241,780,330 | 387 |
| Average total loans | $1,268,742,670 | 440 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 3,277 |
| Cost of funding earning assets | 0.1535% | 5,350 |
| Net interest margin | 3.7769% | 2,197 |
| Noninterest income to average assets | 0.9984% | 1,008 |
| Noninterest expense to average assets | 3.0500% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9094% | 2,714 |
| Return on assets (ROA) | 0.9105% | 2,765 |
| Pretax return on assets | 1.3632% | 2,019 |
| Return on Equity (ROE) | 7.6805% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.6805% | 1,581 |
| Net charge-offs to loans | 0.0361% | 2,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 60.7168% | 799 |
| Efficiency ratio | 69.1363% | 3,019 |
| Assets per employee ($millions) | 4.1131% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 5,131 |
| Loan loss allowance to noncurrent loans | 161.7682% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 3,585 |
| Noncurrent loans to loans | 0.4785% | 3,374 |
| Net loans and leases to total assets | 61.4900% | 3,601 |
| Net loans and leases to deposits | 71.3398% | 3,668 |
| Net loans and leases to core deposits | 80.7148% | 3,231 |
| Total domestic deposits to total assets | 86.1931% | 2,582 |
| Equity capital to assets | 12.0974% | 1,769 |
| Core capital (leverage) ratio | 11.9603% | 1,655 |
| Tier 1 risk-based capital ratio | 16.9440% | 2,196 |
| Total risk-based capital ratio | 17.6667% | 2,337 |
| Memoranda: | ||
| Average total assets | $2,015,603,000 | 410 |
| Average earning assets | $1,821,515,000 | 412 |
| Average equity | $238,942,500 | 388 |
| Average total loans | $1,252,110,500 | 445 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 3,155 |
| Cost of funding earning assets | 0.1371% | 5,505 |
| Net interest margin | 3.8750% | 2,047 |
| Noninterest income to average assets | 0.9908% | 1,173 |
| Noninterest expense to average assets | 2.9988% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9961% | 2,367 |
| Return on assets (ROA) | 1.0019% | 2,450 |
| Pretax return on assets | 1.5191% | 1,533 |
| Return on Equity (ROE) | 8.3475% | 2,759 |
| Retained earnings to average equity (ytd only) | 1.0372% | 4,902 |
| Net charge-offs to loans | 0.0610% | 2,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 39.3366% | 1,190 |
| Efficiency ratio | 66.5051% | 3,509 |
| Assets per employee ($millions) | 4.2338% | 3,556 |
| Cash dividends to net income (ytd only)* | 87.5750% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 5,196 |
| Loan loss allowance to noncurrent loans | 152.4116% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 3,592 |
| Noncurrent loans to loans | 0.5030% | 3,344 |
| Net loans and leases to total assets | 61.7923% | 3,636 |
| Net loans and leases to deposits | 73.8958% | 3,524 |
| Net loans and leases to core deposits | 83.4268% | 3,082 |
| Total domestic deposits to total assets | 83.6208% | 3,562 |
| Equity capital to assets | 11.6158% | 2,072 |
| Core capital (leverage) ratio | 11.7274% | 1,775 |
| Tier 1 risk-based capital ratio | 16.2566% | 2,448 |
| Total risk-based capital ratio | 16.9704% | 2,587 |
| Memoranda: | ||
| Average total assets | $1,880,469,200 | 415 |
| Average earning assets | $1,707,359,000 | 418 |
| Average equity | $225,709,400 | 390 |
| Average total loans | $1,182,797,200 | 448 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 3,399 |
| Cost of funding earning assets | 0.1335% | 5,592 |
| Net interest margin | 3.8205% | 2,261 |
| Noninterest income to average assets | 0.9673% | 1,222 |
| Noninterest expense to average assets | 3.0478% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9284% | 2,760 |
| Return on assets (ROA) | 0.9357% | 2,850 |
| Pretax return on assets | 1.4095% | 2,009 |
| Return on Equity (ROE) | 7.7271% | 3,162 |
| Retained earnings to average equity (ytd only) | -0.0412% | 5,358 |
| Net charge-offs to loans | 0.0623% | 2,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 35.5894% | 1,331 |
| Efficiency ratio | 68.5481% | 3,131 |
| Assets per employee ($millions) | 4.1421% | 3,707 |
| Cash dividends to net income (ytd only)* | 100.5336% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 5,233 |
| Loan loss allowance to noncurrent loans | 157.2247% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 3,587 |
| Noncurrent loans to loans | 0.4990% | 3,509 |
| Net loans and leases to total assets | 63.3691% | 3,479 |
| Net loans and leases to deposits | 76.3558% | 3,368 |
| Net loans and leases to core deposits | 86.8035% | 2,872 |
| Total domestic deposits to total assets | 82.9918% | 3,602 |
| Equity capital to assets | 12.1229% | 2,023 |
| Core capital (leverage) ratio | 11.7985% | 1,812 |
| Tier 1 risk-based capital ratio | 16.1432% | 2,569 |
| Total risk-based capital ratio | 16.8800% | 2,708 |
| Memoranda: | ||
| Average total assets | $1,842,532,250 | 423 |
| Average earning assets | $1,677,770,750 | 426 |
| Average equity | $223,122,000 | 397 |
| Average total loans | $1,162,132,750 | 453 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 3,610 |
| Cost of funding earning assets | 0.1287% | 5,702 |
| Net interest margin | 3.7708% | 2,441 |
| Noninterest income to average assets | 0.9394% | 1,266 |
| Noninterest expense to average assets | 2.9228% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9589% | 2,585 |
| Return on assets (ROA) | 0.9636% | 2,702 |
| Pretax return on assets | 1.4593% | 1,809 |
| Return on Equity (ROE) | 7.9606% | 2,996 |
| Retained earnings to average equity (ytd only) | 0.6152% | 5,123 |
| Net charge-offs to loans | 0.0674% | 2,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 34.2940% | 1,280 |
| Efficiency ratio | 66.8072% | 3,566 |
| Assets per employee ($millions) | 4.0742% | 3,776 |
| Cash dividends to net income (ytd only)* | 92.2722% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 5,069 |
| Loan loss allowance to noncurrent loans | 168.9435% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 3,617 |
| Noncurrent loans to loans | 0.5133% | 3,547 |
| Net loans and leases to total assets | 62.3324% | 3,587 |
| Net loans and leases to deposits | 76.8952% | 3,280 |
| Net loans and leases to core deposits | 86.6197% | 2,846 |
| Total domestic deposits to total assets | 81.0615% | 4,258 |
| Equity capital to assets | 11.9938% | 2,123 |
| Core capital (leverage) ratio | 11.8840% | 1,711 |
| Tier 1 risk-based capital ratio | 16.1782% | 2,561 |
| Total risk-based capital ratio | 16.9851% | 2,703 |
| Memoranda: | ||
| Average total assets | $1,799,499,000 | 429 |
| Average earning assets | $1,639,547,000 | 433 |
| Average equity | $217,823,330 | 406 |
| Average total loans | $1,129,748,670 | 459 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 3,380 |
| Cost of funding earning assets | 0.1271% | 5,770 |
| Net interest margin | 3.8292% | 2,187 |
| Noninterest income to average assets | 0.9507% | 1,182 |
| Noninterest expense to average assets | 2.9475% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9738% | 2,399 |
| Return on assets (ROA) | 0.9757% | 2,502 |
| Pretax return on assets | 1.4961% | 1,603 |
| Return on Equity (ROE) | 8.0222% | 2,897 |
| Retained earnings to average equity (ytd only) | -6.7721% | 5,708 |
| Net charge-offs to loans | 0.1409% | 1,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 16.8931% | 1,599 |
| Efficiency ratio | 66.3746% | 3,740 |
| Assets per employee ($millions) | 4.0700% | 3,828 |
| Cash dividends to net income (ytd only)* | 184.4168% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 5,006 |
| Loan loss allowance to noncurrent loans | 133.8225% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 3,263 |
| Noncurrent loans to loans | 0.6837% | 3,135 |
| Net loans and leases to total assets | 61.6392% | 3,576 |
| Net loans and leases to deposits | 72.5893% | 3,591 |
| Net loans and leases to core deposits | 81.9533% | 3,130 |
| Total domestic deposits to total assets | 84.9150% | 3,158 |
| Equity capital to assets | 12.2089% | 1,887 |
| Core capital (leverage) ratio | 11.7902% | 1,759 |
| Tier 1 risk-based capital ratio | 16.7298% | 2,386 |
| Total risk-based capital ratio | 17.5803% | 2,500 |
| Memoranda: | ||
| Average total assets | $1,778,482,500 | 433 |
| Average earning assets | $1,620,927,500 | 435 |
| Average equity | $216,300,500 | 406 |
| Average total loans | $1,115,666,500 | 461 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 3,266 |
| Cost of funding earning assets | 0.1193% | 5,882 |
| Net interest margin | 3.8937% | 2,053 |
| Noninterest income to average assets | 0.9901% | 1,203 |
| Noninterest expense to average assets | 2.8875% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0830% | 1,998 |
| Return on assets (ROA) | 1.0891% | 2,036 |
| Pretax return on assets | 1.6452% | 1,126 |
| Return on Equity (ROE) | 8.7374% | 2,607 |
| Retained earnings to average equity (ytd only) | 2.9118% | 3,983 |
| Net charge-offs to loans | 0.0777% | 2,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 34.1345% | 1,325 |
| Efficiency ratio | 63.8345% | 4,308 |
| Assets per employee ($millions) | 4.3037% | 3,376 |
| Cash dividends to net income (ytd only)* | 66.6738% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 5,016 |
| Loan loss allowance to noncurrent loans | 108.1673% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 2,917 |
| Noncurrent loans to loans | 0.8490% | 2,664 |
| Net loans and leases to total assets | 62.6642% | 3,469 |
| Net loans and leases to deposits | 76.6678% | 3,186 |
| Net loans and leases to core deposits | 87.1267% | 2,682 |
| Total domestic deposits to total assets | 81.7347% | 4,248 |
| Equity capital to assets | 12.1161% | 1,872 |
| Core capital (leverage) ratio | 12.0020% | 1,616 |
| Tier 1 risk-based capital ratio | 16.0052% | 2,686 |
| Total risk-based capital ratio | 16.8435% | 2,819 |
| Memoranda: | ||
| Average total assets | $1,721,399,000 | 424 |
| Average earning assets | $1,562,101,800 | 421 |
| Average equity | $214,571,800 | 391 |
| Average total loans | $1,061,255,000 | 454 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,274 |
| Cost of funding earning assets | 0.1206% | 5,975 |
| Net interest margin | 3.8963% | 2,045 |
| Noninterest income to average assets | 0.9731% | 1,248 |
| Noninterest expense to average assets | 2.9503% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0323% | 2,317 |
| Return on assets (ROA) | 1.0332% | 2,402 |
| Pretax return on assets | 1.5576% | 1,513 |
| Return on Equity (ROE) | 8.2284% | 2,951 |
| Retained earnings to average equity (ytd only) | 1.3704% | 5,176 |
| Net charge-offs to loans | 0.1069% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 23.7763% | 1,720 |
| Efficiency ratio | 65.4685% | 3,980 |
| Assets per employee ($millions) | 4.1226% | 3,670 |
| Cash dividends to net income (ytd only)* | 83.3460% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 4,814 |
| Loan loss allowance to noncurrent loans | 69.9872% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 2,273 |
| Noncurrent loans to loans | 1.4087% | 1,801 |
| Net loans and leases to total assets | 60.9719% | 3,741 |
| Net loans and leases to deposits | 73.0737% | 3,641 |
| Net loans and leases to core deposits | 83.2511% | 3,128 |
| Total domestic deposits to total assets | 83.4389% | 3,637 |
| Equity capital to assets | 12.4870% | 1,749 |
| Core capital (leverage) ratio | 11.8733% | 1,761 |
| Tier 1 risk-based capital ratio | 16.6258% | 2,511 |
| Total risk-based capital ratio | 17.5151% | 2,639 |
| Memoranda: | ||
| Average total assets | $1,703,086,750 | 433 |
| Average earning assets | $1,544,398,250 | 431 |
| Average equity | $213,854,250 | 398 |
| Average total loans | $1,042,812,500 | 465 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,180 |
| Cost of funding earning assets | 0.1209% | 6,039 |
| Net interest margin | 3.9058% | 1,953 |
| Noninterest income to average assets | 0.9667% | 1,255 |
| Noninterest expense to average assets | 3.0152% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0090% | 2,343 |
| Return on assets (ROA) | 1.0105% | 2,449 |
| Pretax return on assets | 1.4940% | 1,664 |
| Return on Equity (ROE) | 8.0326% | 3,033 |
| Retained earnings to average equity (ytd only) | 1.4830% | 4,957 |
| Net charge-offs to loans | 0.1346% | 1,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 18.1302% | 1,821 |
| Efficiency ratio | 66.9017% | 3,854 |
| Assets per employee ($millions) | 4.1239% | 3,631 |
| Cash dividends to net income (ytd only)* | 81.5376% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 4,960 |
| Loan loss allowance to noncurrent loans | 61.6468% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1831% | 2,147 |
| Noncurrent loans to loans | 1.5915% | 1,648 |
| Net loans and leases to total assets | 61.4701% | 3,629 |
| Net loans and leases to deposits | 72.2376% | 3,698 |
| Net loans and leases to core deposits | 81.7837% | 3,201 |
| Total domestic deposits to total assets | 85.0944% | 3,086 |
| Equity capital to assets | 12.2852% | 1,815 |
| Core capital (leverage) ratio | 11.6764% | 1,857 |
| Tier 1 risk-based capital ratio | 16.2132% | 2,754 |
| Total risk-based capital ratio | 17.1012% | 2,888 |
| Memoranda: | ||
| Average total assets | $1,699,112,330 | 432 |
| Average earning assets | $1,540,085,000 | 426 |
| Average equity | $213,754,670 | 398 |
| Average total loans | $1,038,388,000 | 469 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 3,132 |
| Cost of funding earning assets | 0.1202% | 6,113 |
| Net interest margin | 3.9076% | 1,866 |
| Noninterest income to average assets | 0.9235% | 1,318 |
| Noninterest expense to average assets | 3.1274% | 2,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9375% | 2,572 |
| Return on assets (ROA) | 0.9402% | 2,692 |
| Pretax return on assets | 1.3400% | 2,121 |
| Return on Equity (ROE) | 7.3843% | 3,284 |
| Retained earnings to average equity (ytd only) | 5.5172% | 2,766 |
| Net charge-offs to loans | 0.2079% | 1,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.6057% | 1,922 |
| Efficiency ratio | 70.0644% | 3,477 |
| Assets per employee ($millions) | 4.0722% | 3,820 |
| Cash dividends to net income (ytd only)* | 25.2845% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 4,993 |
| Loan loss allowance to noncurrent loans | 54.2244% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3259% | 2,002 |
| Noncurrent loans to loans | 1.8514% | 1,453 |
| Net loans and leases to total assets | 61.0693% | 3,519 |
| Net loans and leases to deposits | 75.9269% | 3,065 |
| Net loans and leases to core deposits | 85.3095% | 2,617 |
| Total domestic deposits to total assets | 80.4316% | 4,949 |
| Equity capital to assets | 12.4668% | 1,712 |
| Core capital (leverage) ratio | 12.3469% | 1,429 |
| Tier 1 risk-based capital ratio | 16.7432% | 2,583 |
| Total risk-based capital ratio | 17.6681% | 2,663 |
| Memoranda: | ||
| Average total assets | $1,682,649,500 | 437 |
| Average earning assets | $1,524,407,000 | 430 |
| Average equity | $214,239,500 | 399 |
| Average total loans | $1,019,964,500 | 471 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 3,292 |
| Cost of funding earning assets | 0.1563% | 6,061 |
| Net interest margin | 3.9528% | 2,039 |
| Noninterest income to average assets | 1.1272% | 957 |
| Noninterest expense to average assets | 3.1581% | 2,334 |
| Loan and lease loss provision to assets | 0.0234% | 4,136 |
| Net operating income to assets | 1.0347% | 2,242 |
| Return on assets (ROA) | 1.0548% | 2,209 |
| Pretax return on assets | 1.5149% | 1,492 |
| Return on Equity (ROE) | 7.5173% | 3,365 |
| Retained earnings to average equity (ytd only) | 0.1310% | 5,717 |
| Net charge-offs to loans | 0.0886% | 3,223 |
| Credit loss provision to net charge-offs | 44.9294% | 3,589 |
| Earnings coverage of net charge-offs (x) | 28.9795% | 1,376 |
| Efficiency ratio | 67.6599% | 3,952 |
| Assets per employee ($millions) | 3.8920% | 4,185 |
| Cash dividends to net income (ytd only)* | 98.2567% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 4,240 |
| Loan loss allowance to noncurrent loans | 54.3960% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.5065% | 1,812 |
| Noncurrent loans to loans | 2.1267% | 1,276 |
| Net loans and leases to total assets | 58.7935% | 3,948 |
| Net loans and leases to deposits | 70.1760% | 3,888 |
| Net loans and leases to core deposits | 78.9329% | 3,418 |
| Total domestic deposits to total assets | 83.7801% | 3,812 |
| Equity capital to assets | 13.0133% | 1,369 |
| Core capital (leverage) ratio | 12.7222% | 1,242 |
| Tier 1 risk-based capital ratio | 17.0103% | 2,510 |
| Total risk-based capital ratio | 18.0180% | 2,566 |
| Memoranda: | ||
| Average total assets | $1,495,514,600 | 466 |
| Average earning assets | $1,339,480,200 | 475 |
| Average equity | $209,850,400 | 387 |
| Average total loans | $879,160,400 | 507 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 3,218 |
| Cost of funding earning assets | 0.1665% | 6,084 |
| Net interest margin | 3.9715% | 1,960 |
| Noninterest income to average assets | 1.0719% | 1,062 |
| Noninterest expense to average assets | 3.0451% | 2,658 |
| Loan and lease loss provision to assets | 0.0319% | 3,772 |
| Net operating income to assets | 1.0828% | 2,100 |
| Return on assets (ROA) | 1.1012% | 2,091 |
| Pretax return on assets | 1.5726% | 1,415 |
| Return on Equity (ROE) | 7.6912% | 3,367 |
| Retained earnings to average equity (ytd only) | 0.6783% | 5,602 |
| Net charge-offs to loans | 0.1581% | 2,223 |
| Credit loss provision to net charge-offs | 34.4828% | 3,381 |
| Earnings coverage of net charge-offs (x) | 17.0364% | 1,924 |
| Efficiency ratio | 65.8618% | 4,230 |
| Assets per employee ($millions) | 3.8800% | 4,129 |
| Cash dividends to net income (ytd only)* | 91.1804% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 3,997 |
| Loan loss allowance to noncurrent loans | 46.1197% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.9213% | 1,519 |
| Noncurrent loans to loans | 2.6974% | 1,059 |
| Net loans and leases to total assets | 58.8251% | 3,960 |
| Net loans and leases to deposits | 71.3558% | 3,756 |
| Net loans and leases to core deposits | 81.2472% | 3,178 |
| Total domestic deposits to total assets | 82.4390% | 4,323 |
| Equity capital to assets | 14.2882% | 917 |
| Core capital (leverage) ratio | 13.3921% | 1,033 |
| Tier 1 risk-based capital ratio | 18.6270% | 2,007 |
| Total risk-based capital ratio | 19.6963% | 2,036 |
| Memoranda: | ||
| Average total assets | $1,460,735,500 | 472 |
| Average earning assets | $1,306,241,000 | 482 |
| Average equity | $209,133,000 | 387 |
| Average total loans | $855,874,250 | 511 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 3,279 |
| Cost of funding earning assets | 0.1731% | 6,115 |
| Net interest margin | 3.9423% | 2,005 |
| Noninterest income to average assets | 1.0988% | 986 |
| Noninterest expense to average assets | 3.0054% | 2,807 |
| Loan and lease loss provision to assets | 0.0482% | 3,345 |
| Net operating income to assets | 1.1279% | 1,826 |
| Return on assets (ROA) | 1.1564% | 1,809 |
| Pretax return on assets | 1.5983% | 1,253 |
| Return on Equity (ROE) | 8.0714% | 3,051 |
| Retained earnings to average equity (ytd only) | -2.5021% | 6,043 |
| Net charge-offs to loans | 0.0929% | 2,751 |
| Credit loss provision to net charge-offs | 89.0585% | 2,194 |
| Earnings coverage of net charge-offs (x) | 29.6921% | 1,263 |
| Efficiency ratio | 65.1599% | 4,494 |
| Assets per employee ($millions) | 3.8037% | 4,247 |
| Cash dividends to net income (ytd only)* | 130.9992% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 3,846 |
| Loan loss allowance to noncurrent loans | 39.7948% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 1,338 |
| Noncurrent loans to loans | 3.2686% | 853 |
| Net loans and leases to total assets | 59.0554% | 3,854 |
| Net loans and leases to deposits | 70.5015% | 3,754 |
| Net loans and leases to core deposits | 80.2684% | 3,181 |
| Total domestic deposits to total assets | 83.7646% | 4,010 |
| Equity capital to assets | 13.9678% | 979 |
| Core capital (leverage) ratio | 13.3647% | 1,028 |
| Tier 1 risk-based capital ratio | 18.2360% | 2,154 |
| Total risk-based capital ratio | 19.3528% | 2,172 |
| Memoranda: | ||
| Average total assets | $1,452,298,330 | 473 |
| Average earning assets | $1,294,379,670 | 487 |
| Average equity | $208,067,670 | 386 |
| Average total loans | $846,105,670 | 517 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 3,360 |
| Cost of funding earning assets | 0.1774% | 6,187 |
| Net interest margin | 3.9035% | 2,071 |
| Noninterest income to average assets | 1.1746% | 810 |
| Noninterest expense to average assets | 3.1019% | 2,525 |
| Loan and lease loss provision to assets | 0.0419% | 3,251 |
| Net operating income to assets | 1.0862% | 1,868 |
| Return on assets (ROA) | 1.1075% | 1,841 |
| Pretax return on assets | 1.5228% | 1,363 |
| Return on Equity (ROE) | 7.6302% | 3,129 |
| Retained earnings to average equity (ytd only) | -3.9249% | 6,052 |
| Net charge-offs to loans | 0.1635% | 1,737 |
| Credit loss provision to net charge-offs | 44.6429% | 2,260 |
| Earnings coverage of net charge-offs (x) | 16.3512% | 1,512 |
| Efficiency ratio | 66.8857% | 4,378 |
| Assets per employee ($millions) | 3.7694% | 4,382 |
| Cash dividends to net income (ytd only)* | 151.4387% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 3,745 |
| Loan loss allowance to noncurrent loans | 31.7440% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 2.9813% | 962 |
| Noncurrent loans to loans | 4.3145% | 592 |
| Net loans and leases to total assets | 56.8753% | 4,025 |
| Net loans and leases to deposits | 67.5479% | 3,907 |
| Net loans and leases to core deposits | 76.7538% | 3,334 |
| Total domestic deposits to total assets | 84.2000% | 4,209 |
| Equity capital to assets | 14.2323% | 851 |
| Core capital (leverage) ratio | 13.8041% | 887 |
| Tier 1 risk-based capital ratio | 19.1131% | 1,933 |
| Total risk-based capital ratio | 20.2774% | 1,923 |
| Memoranda: | ||
| Average total assets | $1,431,014,000 | 482 |
| Average earning assets | $1,269,511,500 | 491 |
| Average equity | $207,701,500 | 385 |
| Average total loans | $821,942,000 | 524 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 3,331 |
| Cost of funding earning assets | 0.2036% | 6,270 |
| Net interest margin | 4.0012% | 1,943 |
| Noninterest income to average assets | 1.1490% | 1,067 |
| Noninterest expense to average assets | 3.0692% | 2,837 |
| Loan and lease loss provision to assets | 0.3116% | 1,070 |
| Net operating income to assets | 1.0176% | 2,257 |
| Return on assets (ROA) | 1.0179% | 2,314 |
| Pretax return on assets | 1.2969% | 2,169 |
| Return on Equity (ROE) | 7.0154% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.5345% | 2,257 |
| Net charge-offs to loans | 0.7908% | 798 |
| Credit loss provision to net charge-offs | 66.4528% | 3,392 |
| Earnings coverage of net charge-offs (x) | 3.4299% | 3,855 |
| Efficiency ratio | 65.6193% | 4,632 |
| Assets per employee ($millions) | 3.6171% | 4,637 |
| Cash dividends to net income (ytd only)* | 21.1089% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 3,413 |
| Loan loss allowance to noncurrent loans | 31.1586% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 3.2417% | 941 |
| Noncurrent loans to loans | 4.6562% | 561 |
| Net loans and leases to total assets | 56.3727% | 4,262 |
| Net loans and leases to deposits | 67.4761% | 4,124 |
| Net loans and leases to core deposits | 77.8057% | 3,392 |
| Total domestic deposits to total assets | 83.5447% | 4,342 |
| Equity capital to assets | 14.8059% | 708 |
| Core capital (leverage) ratio | 14.1788% | 780 |
| Tier 1 risk-based capital ratio | 20.1122% | 1,627 |
| Total risk-based capital ratio | 21.3456% | 1,604 |
| Memoranda: | ||
| Average total assets | $1,396,207,000 | 484 |
| Average earning assets | $1,231,146,200 | 489 |
| Average equity | $202,583,200 | 378 |
| Average total loans | $827,808,400 | 498 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1879% | 3,432 |
| Cost of funding earning assets | 0.2109% | 6,348 |
| Net interest margin | 3.9770% | 2,016 |
| Noninterest income to average assets | 1.0662% | 1,287 |
| Noninterest expense to average assets | 3.0621% | 2,782 |
| Loan and lease loss provision to assets | 0.2727% | 1,286 |
| Net operating income to assets | 0.9701% | 2,503 |
| Return on assets (ROA) | 0.9706% | 2,600 |
| Pretax return on assets | 1.2375% | 2,554 |
| Return on Equity (ROE) | 6.7239% | 3,812 |
| Retained earnings to average equity (ytd only) | 4.7354% | 3,283 |
| Net charge-offs to loans | 0.7836% | 752 |
| Credit loss provision to net charge-offs | 58.1751% | 3,336 |
| Earnings coverage of net charge-offs (x) | 3.2207% | 3,764 |
| Efficiency ratio | 66.9785% | 4,307 |
| Assets per employee ($millions) | 3.4941% | 4,862 |
| Cash dividends to net income (ytd only)* | 29.5741% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,657 |
| Loan loss allowance to noncurrent loans | 29.4885% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 3.5501% | 948 |
| Noncurrent loans to loans | 4.9390% | 615 |
| Net loans and leases to total assets | 57.9659% | 4,013 |
| Net loans and leases to deposits | 69.3415% | 3,879 |
| Net loans and leases to core deposits | 80.3456% | 3,089 |
| Total domestic deposits to total assets | 83.5949% | 4,350 |
| Equity capital to assets | 14.7678% | 761 |
| Core capital (leverage) ratio | 13.8929% | 896 |
| Tier 1 risk-based capital ratio | 19.3901% | 1,887 |
| Total risk-based capital ratio | 20.6351% | 1,857 |
| Memoranda: | ||
| Average total assets | $1,393,496,500 | 487 |
| Average earning assets | $1,228,313,250 | 493 |
| Average equity | $201,147,500 | 382 |
| Average total loans | $833,543,250 | 496 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 3,430 |
| Cost of funding earning assets | 0.2163% | 6,394 |
| Net interest margin | 3.9689% | 1,972 |
| Noninterest income to average assets | 1.0903% | 1,285 |
| Noninterest expense to average assets | 3.0808% | 2,722 |
| Loan and lease loss provision to assets | 0.2933% | 1,232 |
| Net operating income to assets | 0.9436% | 2,597 |
| Return on assets (ROA) | 0.9442% | 2,739 |
| Pretax return on assets | 1.2159% | 2,602 |
| Return on Equity (ROE) | 6.5915% | 3,834 |
| Retained earnings to average equity (ytd only) | 3.5954% | 4,028 |
| Net charge-offs to loans | 0.8904% | 702 |
| Credit loss provision to net charge-offs | 54.7689% | 3,125 |
| Earnings coverage of net charge-offs (x) | 2.8167% | 3,579 |
| Efficiency ratio | 67.1322% | 4,336 |
| Assets per employee ($millions) | 3.4731% | 4,910 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,591 |
| Loan loss allowance to noncurrent loans | 29.6141% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 3.7782% | 971 |
| Noncurrent loans to loans | 5.0654% | 630 |
| Net loans and leases to total assets | 58.1504% | 3,962 |
| Net loans and leases to deposits | 69.0729% | 3,850 |
| Net loans and leases to core deposits | 79.9414% | 3,032 |
| Total domestic deposits to total assets | 84.1870% | 4,245 |
| Equity capital to assets | 14.5662% | 807 |
| Core capital (leverage) ratio | 13.5056% | 974 |
| Tier 1 risk-based capital ratio | 19.1813% | 1,943 |
| Total risk-based capital ratio | 20.4326% | 1,913 |
| Memoranda: | ||
| Average total assets | $1,397,944,670 | 483 |
| Average earning assets | $1,232,385,670 | 490 |
| Average equity | $200,257,330 | 383 |
| Average total loans | $840,777,000 | 495 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 3,746 |
| Cost of funding earning assets | 0.2248% | 6,445 |
| Net interest margin | 3.8702% | 2,215 |
| Noninterest income to average assets | 1.0042% | 1,448 |
| Noninterest expense to average assets | 3.1279% | 2,588 |
| Loan and lease loss provision to assets | 0.4541% | 624 |
| Net operating income to assets | 0.7237% | 3,573 |
| Return on assets (ROA) | 0.7252% | 3,699 |
| Pretax return on assets | 0.8305% | 4,040 |
| Return on Equity (ROE) | 5.1044% | 4,517 |
| Retained earnings to average equity (ytd only) | -0.8890% | 5,933 |
| Net charge-offs to loans | 1.0636% | 569 |
| Credit loss provision to net charge-offs | 70.3606% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.9877% | 3,173 |
| Efficiency ratio | 70.9138% | 3,806 |
| Assets per employee ($millions) | 3.5200% | 4,942 |
| Cash dividends to net income (ytd only)* | 117.4168% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 3,431 |
| Loan loss allowance to noncurrent loans | 26.0731% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 4.7941% | 773 |
| Noncurrent loans to loans | 6.1049% | 540 |
| Net loans and leases to total assets | 58.9872% | 3,612 |
| Net loans and leases to deposits | 70.3664% | 3,418 |
| Net loans and leases to core deposits | 81.5816% | 2,629 |
| Total domestic deposits to total assets | 83.8287% | 4,549 |
| Equity capital to assets | 14.4529% | 889 |
| Core capital (leverage) ratio | 13.2858% | 1,018 |
| Tier 1 risk-based capital ratio | 18.6765% | 2,133 |
| Total risk-based capital ratio | 19.9291% | 2,105 |
| Memoranda: | ||
| Average total assets | $1,409,239,500 | 480 |
| Average earning assets | $1,240,447,500 | 489 |
| Average equity | $200,217,500 | 390 |
| Average total loans | $855,188,500 | 489 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 3,396 |
| Cost of funding earning assets | 0.2907% | 6,501 |
| Net interest margin | 4.2079% | 1,639 |
| Noninterest income to average assets | 0.8975% | 1,862 |
| Noninterest expense to average assets | 3.0221% | 3,192 |
| Loan and lease loss provision to assets | 1.0252% | 389 |
| Net operating income to assets | 0.5355% | 4,541 |
| Return on assets (ROA) | 0.6588% | 4,211 |
| Pretax return on assets | 0.6818% | 4,725 |
| Return on Equity (ROE) | 4.6475% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.6475% | 2,944 |
| Net charge-offs to loans | 2.1694% | 316 |
| Credit loss provision to net charge-offs | 80.6470% | 3,812 |
| Earnings coverage of net charge-offs (x) | 1.2428% | 4,840 |
| Efficiency ratio | 65.6690% | 4,569 |
| Assets per employee ($millions) | 3.5967% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 3,423 |
| Loan loss allowance to noncurrent loans | 26.1100% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 5.0768% | 754 |
| Noncurrent loans to loans | 6.0299% | 593 |
| Net loans and leases to total assets | 60.4340% | 3,528 |
| Net loans and leases to deposits | 73.7649% | 3,137 |
| Net loans and leases to core deposits | 86.2521% | 2,285 |
| Total domestic deposits to total assets | 81.9278% | 5,128 |
| Equity capital to assets | 13.9709% | 1,057 |
| Core capital (leverage) ratio | 13.1697% | 1,057 |
| Tier 1 risk-based capital ratio | 17.8846% | 2,297 |
| Total risk-based capital ratio | 19.1371% | 2,268 |
| Memoranda: | ||
| Average total assets | $1,386,009,200 | 482 |
| Average earning assets | $1,220,218,600 | 493 |
| Average equity | $196,472,600 | 381 |
| Average total loans | $812,212,400 | 506 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 3,294 |
| Cost of funding earning assets | 0.3046% | 6,596 |
| Net interest margin | 4.2728% | 1,546 |
| Noninterest income to average assets | 1.0042% | 1,485 |
| Noninterest expense to average assets | 3.0348% | 3,113 |
| Loan and lease loss provision to assets | 1.0298% | 387 |
| Net operating income to assets | 0.6468% | 4,158 |
| Return on assets (ROA) | 0.6611% | 4,355 |
| Pretax return on assets | 0.7155% | 4,807 |
| Return on Equity (ROE) | 4.6465% | 4,981 |
| Retained earnings to average equity (ytd only) | 4.6465% | 3,622 |
| Net charge-offs to loans | 2.5303% | 243 |
| Credit loss provision to net charge-offs | 70.3254% | 3,892 |
| Earnings coverage of net charge-offs (x) | 1.1812% | 4,706 |
| Efficiency ratio | 63.6966% | 4,852 |
| Assets per employee ($millions) | 3.6991% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,920 |
| Loan loss allowance to noncurrent loans | 44.4005% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 3.4248% | 1,471 |
| Noncurrent loans to loans | 3.3985% | 1,610 |
| Net loans and leases to total assets | 58.8459% | 3,985 |
| Net loans and leases to deposits | 72.7742% | 3,482 |
| Net loans and leases to core deposits | 86.1950% | 2,435 |
| Total domestic deposits to total assets | 80.8609% | 5,405 |
| Equity capital to assets | 14.0800% | 1,129 |
| Core capital (leverage) ratio | 13.2158% | 1,103 |
| Tier 1 risk-based capital ratio | 18.3120% | 2,227 |
| Total risk-based capital ratio | 19.5634% | 2,200 |
| Memoranda: | ||
| Average total assets | $1,373,736,500 | 486 |
| Average earning assets | $1,208,921,500 | 500 |
| Average equity | $195,466,500 | 381 |
| Average total loans | $794,975,250 | 510 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 3,462 |
| Cost of funding earning assets | 0.3168% | 6,660 |
| Net interest margin | 4.2574% | 1,584 |
| Noninterest income to average assets | 0.9997% | 1,467 |
| Noninterest expense to average assets | 3.0495% | 3,085 |
| Loan and lease loss provision to assets | 0.8703% | 551 |
| Net operating income to assets | 0.7197% | 3,758 |
| Return on assets (ROA) | 0.7288% | 3,984 |
| Pretax return on assets | 0.8349% | 4,332 |
| Return on Equity (ROE) | 5.1032% | 4,760 |
| Retained earnings to average equity (ytd only) | 5.1032% | 3,223 |
| Net charge-offs to loans | 2.4013% | 304 |
| Credit loss provision to net charge-offs | 63.3441% | 3,718 |
| Earnings coverage of net charge-offs (x) | 1.2335% | 4,391 |
| Efficiency ratio | 64.2777% | 4,848 |
| Assets per employee ($millions) | 3.5908% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 3,246 |
| Loan loss allowance to noncurrent loans | 37.8708% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 3.6382% | 1,446 |
| Noncurrent loans to loans | 4.4710% | 1,189 |
| Net loans and leases to total assets | 57.6212% | 4,230 |
| Net loans and leases to deposits | 69.7930% | 3,930 |
| Net loans and leases to core deposits | 82.5904% | 2,887 |
| Total domestic deposits to total assets | 82.5601% | 4,929 |
| Equity capital to assets | 14.1071% | 1,046 |
| Core capital (leverage) ratio | 13.4800% | 985 |
| Tier 1 risk-based capital ratio | 18.7386% | 2,053 |
| Total risk-based capital ratio | 19.9919% | 2,016 |
| Memoranda: | ||
| Average total assets | $1,358,169,330 | 493 |
| Average earning assets | $1,194,572,330 | 508 |
| Average equity | $193,956,330 | 378 |
| Average total loans | $777,075,330 | 515 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 3,175 |
| Cost of funding earning assets | 0.3473% | 6,651 |
| Net interest margin | 4.3205% | 1,404 |
| Noninterest income to average assets | 0.9256% | 1,645 |
| Noninterest expense to average assets | 3.2500% | 2,436 |
| Loan and lease loss provision to assets | 0.8216% | 588 |
| Net operating income to assets | 0.6163% | 4,283 |
| Return on assets (ROA) | 0.6364% | 4,402 |
| Pretax return on assets | 0.6657% | 4,897 |
| Return on Equity (ROE) | 4.4281% | 5,081 |
| Retained earnings to average equity (ytd only) | 4.4281% | 3,941 |
| Net charge-offs to loans | 1.3884% | 729 |
| Credit loss provision to net charge-offs | 104.7619% | 2,208 |
| Earnings coverage of net charge-offs (x) | 1.8697% | 3,403 |
| Efficiency ratio | 68.9092% | 3,996 |
| Assets per employee ($millions) | 3.5036% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3121% | 1,655 |
| Loan loss allowance to noncurrent loans | 34.7202% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 4.8761% | 1,081 |
| Noncurrent loans to loans | 6.6591% | 707 |
| Net loans and leases to total assets | 54.6701% | 4,608 |
| Net loans and leases to deposits | 65.2223% | 4,463 |
| Net loans and leases to core deposits | 77.2359% | 3,434 |
| Total domestic deposits to total assets | 83.8211% | 4,578 |
| Equity capital to assets | 14.3961% | 893 |
| Core capital (leverage) ratio | 13.6124% | 905 |
| Tier 1 risk-based capital ratio | 19.9907% | 1,716 |
| Total risk-based capital ratio | 21.2500% | 1,684 |
| Memoranda: | ||
| Average total assets | $1,338,835,000 | 500 |
| Average earning assets | $1,174,667,000 | 512 |
| Average equity | $192,408,000 | 374 |
| Average total loans | $756,244,000 | 534 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0586% | 2,614 |
| Cost of funding earning assets | 0.4255% | 6,816 |
| Net interest margin | 4.6332% | 862 |
| Noninterest income to average assets | 0.7589% | 2,286 |
| Noninterest expense to average assets | 3.1802% | 2,938 |
| Loan and lease loss provision to assets | 0.9069% | 1,058 |
| Net operating income to assets | 0.6134% | 3,924 |
| Return on assets (ROA) | 0.7188% | 3,567 |
| Pretax return on assets | 0.8530% | 3,766 |
| Return on Equity (ROE) | 5.1255% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.1255% | 2,552 |
| Net charge-offs to loans | 2.0465% | 673 |
| Credit loss provision to net charge-offs | 75.6859% | 4,650 |
| Earnings coverage of net charge-offs (x) | 1.3640% | 4,747 |
| Efficiency ratio | 66.0524% | 4,759 |
| Assets per employee ($millions) | 3.4786% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2754% | 1,666 |
| Loan loss allowance to noncurrent loans | 30.8686% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 5.3446% | 965 |
| Noncurrent loans to loans | 7.3712% | 585 |
| Net loans and leases to total assets | 55.7144% | 4,760 |
| Net loans and leases to deposits | 67.9956% | 4,452 |
| Net loans and leases to core deposits | 80.8375% | 3,336 |
| Total domestic deposits to total assets | 81.9382% | 5,152 |
| Equity capital to assets | 14.3463% | 951 |
| Core capital (leverage) ratio | 13.5295% | 954 |
| Tier 1 risk-based capital ratio | 19.6265% | 1,722 |
| Total risk-based capital ratio | 20.8853% | 1,686 |
| Memoranda: | ||
| Average total assets | $1,323,188,600 | 492 |
| Average earning assets | $1,158,280,600 | 511 |
| Average equity | $185,562,200 | 377 |
| Average total loans | $774,724,200 | 529 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1110% | 2,553 |
| Cost of funding earning assets | 0.4327% | 6,932 |
| Net interest margin | 4.6783% | 800 |
| Noninterest income to average assets | 0.8732% | 1,745 |
| Noninterest expense to average assets | 3.1689% | 2,929 |
| Loan and lease loss provision to assets | 0.9690% | 899 |
| Net operating income to assets | 0.7012% | 3,619 |
| Return on assets (ROA) | 0.7012% | 3,783 |
| Pretax return on assets | 0.8293% | 4,019 |
| Return on Equity (ROE) | 5.0293% | 4,516 |
| Retained earnings to average equity (ytd only) | 5.0293% | 3,154 |
| Net charge-offs to loans | 1.7548% | 774 |
| Credit loss provision to net charge-offs | 93.6951% | 3,637 |
| Earnings coverage of net charge-offs (x) | 1.7388% | 4,350 |
| Efficiency ratio | 63.7967% | 5,114 |
| Assets per employee ($millions) | 3.4927% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6997% | 1,130 |
| Loan loss allowance to noncurrent loans | 42.3949% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 4.9135% | 1,179 |
| Noncurrent loans to loans | 6.3680% | 842 |
| Net loans and leases to total assets | 54.7816% | 5,034 |
| Net loans and leases to deposits | 67.1550% | 4,745 |
| Net loans and leases to core deposits | 80.0827% | 3,624 |
| Total domestic deposits to total assets | 81.5748% | 5,229 |
| Equity capital to assets | 14.1047% | 1,120 |
| Core capital (leverage) ratio | 13.2097% | 1,145 |
| Tier 1 risk-based capital ratio | 19.5328% | 1,811 |
| Total risk-based capital ratio | 20.7960% | 1,770 |
| Memoranda: | ||
| Average total assets | $1,320,910,500 | 502 |
| Average earning assets | $1,155,937,000 | 516 |
| Average equity | $184,168,750 | 386 |
| Average total loans | $778,513,750 | 531 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 2,570 |
| Cost of funding earning assets | 0.4426% | 7,037 |
| Net interest margin | 4.6817% | 760 |
| Noninterest income to average assets | 0.8643% | 1,759 |
| Noninterest expense to average assets | 3.2645% | 2,685 |
| Loan and lease loss provision to assets | 1.0062% | 864 |
| Net operating income to assets | 0.6402% | 3,854 |
| Return on assets (ROA) | 0.6402% | 3,976 |
| Pretax return on assets | 0.6847% | 4,441 |
| Return on Equity (ROE) | 4.6099% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.6099% | 3,253 |
| Net charge-offs to loans | 1.7903% | 784 |
| Credit loss provision to net charge-offs | 93.9234% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.5783% | 4,109 |
| Efficiency ratio | 65.8770% | 4,898 |
| Assets per employee ($millions) | 3.5241% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6801% | 1,200 |
| Loan loss allowance to noncurrent loans | 44.0828% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 4.8293% | 1,281 |
| Noncurrent loans to loans | 6.0796% | 970 |
| Net loans and leases to total assets | 56.0129% | 4,995 |
| Net loans and leases to deposits | 66.9538% | 4,857 |
| Net loans and leases to core deposits | 81.0814% | 3,641 |
| Total domestic deposits to total assets | 83.6590% | 4,484 |
| Equity capital to assets | 13.8615% | 1,145 |
| Core capital (leverage) ratio | 13.1228% | 1,105 |
| Tier 1 risk-based capital ratio | 19.2301% | 1,776 |
| Total risk-based capital ratio | 20.4937% | 1,741 |
| Memoranda: | ||
| Average total assets | $1,311,823,330 | 507 |
| Average earning assets | $1,146,328,000 | 521 |
| Average equity | $182,173,000 | 394 |
| Average total loans | $785,004,330 | 535 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 2,687 |
| Cost of funding earning assets | 0.4465% | 7,120 |
| Net interest margin | 4.6436% | 791 |
| Noninterest income to average assets | 0.9537% | 1,454 |
| Noninterest expense to average assets | 3.3931% | 2,301 |
| Loan and lease loss provision to assets | 1.1108% | 657 |
| Net operating income to assets | 0.5446% | 4,295 |
| Return on assets (ROA) | 0.5446% | 4,375 |
| Pretax return on assets | 0.5094% | 4,994 |
| Return on Equity (ROE) | 3.9178% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.9178% | 3,819 |
| Net charge-offs to loans | 1.6554% | 809 |
| Credit loss provision to net charge-offs | 109.9572% | 2,428 |
| Earnings coverage of net charge-offs (x) | 1.6038% | 3,512 |
| Efficiency ratio | 67.6822% | 4,715 |
| Assets per employee ($millions) | 3.3758% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7639% | 1,144 |
| Loan loss allowance to noncurrent loans | 40.1602% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 5.5067% | 1,100 |
| Noncurrent loans to loans | 6.8822% | 821 |
| Net loans and leases to total assets | 57.6507% | 4,699 |
| Net loans and leases to deposits | 68.6841% | 4,580 |
| Net loans and leases to core deposits | 81.1314% | 3,585 |
| Total domestic deposits to total assets | 83.9361% | 4,512 |
| Equity capital to assets | 13.8670% | 1,039 |
| Core capital (leverage) ratio | 13.3800% | 1,001 |
| Tier 1 risk-based capital ratio | 18.9282% | 1,818 |
| Total risk-based capital ratio | 20.1929% | 1,779 |
| Memoranda: | ||
| Average total assets | $1,296,399,000 | 517 |
| Average earning assets | $1,133,336,000 | 533 |
| Average equity | $180,202,000 | 394 |
| Average total loans | $791,116,500 | 542 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6003% | 1,885 |
| Cost of funding earning assets | 0.6066% | 7,112 |
| Net interest margin | 4.9937% | 435 |
| Noninterest income to average assets | 0.7633% | 2,471 |
| Noninterest expense to average assets | 3.3789% | 2,495 |
| Loan and lease loss provision to assets | 1.2737% | 1,218 |
| Net operating income to assets | 0.4358% | 4,382 |
| Return on assets (ROA) | 0.6295% | 3,698 |
| Pretax return on assets | 0.6587% | 4,133 |
| Return on Equity (ROE) | 4.9820% | 4,073 |
| Retained earnings to average equity (ytd only) | 4.9820% | 2,415 |
| Net charge-offs to loans | 2.2629% | 854 |
| Credit loss provision to net charge-offs | 86.6179% | 5,256 |
| Earnings coverage of net charge-offs (x) | 1.1769% | 4,928 |
| Efficiency ratio | 66.1306% | 4,942 |
| Assets per employee ($millions) | 3.2897% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6237% | 1,268 |
| Loan loss allowance to noncurrent loans | 46.1659% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 5.1362% | 1,238 |
| Noncurrent loans to loans | 5.6832% | 1,135 |
| Net loans and leases to total assets | 61.1476% | 4,462 |
| Net loans and leases to deposits | 73.9750% | 4,194 |
| Net loans and leases to core deposits | 85.8073% | 3,345 |
| Total domestic deposits to total assets | 82.6597% | 4,945 |
| Equity capital to assets | 13.9341% | 1,055 |
| Core capital (leverage) ratio | 13.0732% | 1,105 |
| Tier 1 risk-based capital ratio | 18.0422% | 1,985 |
| Total risk-based capital ratio | 19.3051% | 1,944 |
| Memoranda: | ||
| Average total assets | $1,309,603,400 | 515 |
| Average earning assets | $1,139,778,800 | 532 |
| Average equity | $165,474,800 | 419 |
| Average total loans | $850,975,400 | 525 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6399% | 1,916 |
| Cost of funding earning assets | 0.6315% | 7,220 |
| Net interest margin | 5.0084% | 436 |
| Noninterest income to average assets | 0.7755% | 2,354 |
| Noninterest expense to average assets | 3.3557% | 2,415 |
| Loan and lease loss provision to assets | 1.3452% | 1,017 |
| Net operating income to assets | 0.4035% | 4,736 |
| Return on assets (ROA) | 0.6521% | 3,805 |
| Pretax return on assets | 0.7021% | 4,222 |
| Return on Equity (ROE) | 5.2937% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.2937% | 2,779 |
| Net charge-offs to loans | 2.6534% | 617 |
| Credit loss provision to net charge-offs | 77.3848% | 5,216 |
| Earnings coverage of net charge-offs (x) | 1.0239% | 5,033 |
| Efficiency ratio | 65.3412% | 4,992 |
| Assets per employee ($millions) | 3.3420% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3976% | 1,478 |
| Loan loss allowance to noncurrent loans | 38.6990% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 5.9025% | 1,019 |
| Noncurrent loans to loans | 6.1956% | 991 |
| Net loans and leases to total assets | 62.2648% | 4,470 |
| Net loans and leases to deposits | 73.9976% | 4,510 |
| Net loans and leases to core deposits | 86.5650% | 3,577 |
| Total domestic deposits to total assets | 84.1443% | 4,036 |
| Equity capital to assets | 12.6908% | 1,761 |
| Core capital (leverage) ratio | 11.7591% | 1,785 |
| Tier 1 risk-based capital ratio | 16.0240% | 2,748 |
| Total risk-based capital ratio | 17.2844% | 2,699 |
| Memoranda: | ||
| Average total assets | $1,316,257,750 | 508 |
| Average earning assets | $1,145,880,500 | 525 |
| Average equity | $162,150,500 | 416 |
| Average total loans | $862,306,000 | 515 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6492% | 1,945 |
| Cost of funding earning assets | 0.6487% | 7,296 |
| Net interest margin | 5.0005% | 419 |
| Noninterest income to average assets | 1.1736% | 932 |
| Noninterest expense to average assets | 3.5208% | 1,980 |
| Loan and lease loss provision to assets | 1.0433% | 1,391 |
| Net operating income to assets | 0.8009% | 2,969 |
| Return on assets (ROA) | 0.8009% | 3,108 |
| Pretax return on assets | 0.9677% | 3,246 |
| Return on Equity (ROE) | 6.5660% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.5660% | 2,044 |
| Net charge-offs to loans | 1.3137% | 1,447 |
| Credit loss provision to net charge-offs | 120.1881% | 3,379 |
| Earnings coverage of net charge-offs (x) | 2.3167% | 3,838 |
| Efficiency ratio | 63.6473% | 5,400 |
| Assets per employee ($millions) | 3.3377% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8710% | 938 |
| Loan loss allowance to noncurrent loans | 47.8309% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 5.8110% | 1,031 |
| Noncurrent loans to loans | 6.0024% | 1,066 |
| Net loans and leases to total assets | 63.5073% | 4,348 |
| Net loans and leases to deposits | 76.9003% | 4,174 |
| Net loans and leases to core deposits | 93.6633% | 2,772 |
| Total domestic deposits to total assets | 82.5839% | 4,751 |
| Equity capital to assets | 12.4402% | 1,833 |
| Core capital (leverage) ratio | 11.7194% | 1,793 |
| Tier 1 risk-based capital ratio | 15.5638% | 2,863 |
| Total risk-based capital ratio | 16.8299% | 2,824 |
| Memoranda: | ||
| Average total assets | $1,322,773,330 | 505 |
| Average earning assets | $1,152,843,000 | 525 |
| Average equity | $161,346,330 | 424 |
| Average total loans | $873,998,330 | 512 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6591% | 1,922 |
| Cost of funding earning assets | 0.6481% | 7,448 |
| Net interest margin | 5.0111% | 409 |
| Noninterest income to average assets | 1.1465% | 950 |
| Noninterest expense to average assets | 3.6168% | 1,696 |
| Loan and lease loss provision to assets | 1.0290% | 1,207 |
| Net operating income to assets | 0.7636% | 3,141 |
| Return on assets (ROA) | 0.7636% | 3,253 |
| Pretax return on assets | 0.8816% | 3,530 |
| Return on Equity (ROE) | 6.3233% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.3233% | 2,461 |
| Net charge-offs to loans | 1.3757% | 1,250 |
| Credit loss provision to net charge-offs | 112.6201% | 3,078 |
| Earnings coverage of net charge-offs (x) | 2.0911% | 3,494 |
| Efficiency ratio | 65.4328% | 5,232 |
| Assets per employee ($millions) | 3.2559% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7644% | 1,024 |
| Loan loss allowance to noncurrent loans | 46.6552% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 5.8814% | 1,033 |
| Noncurrent loans to loans | 5.9253% | 1,120 |
| Net loans and leases to total assets | 64.5930% | 4,196 |
| Net loans and leases to deposits | 76.2448% | 4,367 |
| Net loans and leases to core deposits | 95.2866% | 2,669 |
| Total domestic deposits to total assets | 84.7179% | 3,800 |
| Equity capital to assets | 12.2859% | 1,883 |
| Core capital (leverage) ratio | 11.5408% | 1,888 |
| Tier 1 risk-based capital ratio | 15.2517% | 2,983 |
| Total risk-based capital ratio | 16.5164% | 2,939 |
| Memoranda: | ||
| Average total assets | $1,321,625,000 | 519 |
| Average earning assets | $1,155,444,000 | 536 |
| Average equity | $159,599,000 | 430 |
| Average total loans | $877,802,500 | 529 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9964% | 1,888 |
| Cost of funding earning assets | 0.9636% | 7,280 |
| Net interest margin | 5.0328% | 418 |
| Noninterest income to average assets | 1.2147% | 1,042 |
| Noninterest expense to average assets | 3.2876% | 3,051 |
| Loan and lease loss provision to assets | 1.6452% | 1,392 |
| Net operating income to assets | 0.6794% | 3,017 |
| Return on assets (ROA) | 0.7540% | 2,795 |
| Pretax return on assets | 0.8514% | 3,082 |
| Return on Equity (ROE) | 7.0773% | 2,763 |
| Retained earnings to average equity (ytd only) | 6.3844% | 1,194 |
| Net charge-offs to loans | 1.4021% | 1,788 |
| Credit loss provision to net charge-offs | 166.5560% | 2,609 |
| Earnings coverage of net charge-offs (x) | 2.4427% | 3,901 |
| Efficiency ratio | 57.6722% | 6,810 |
| Assets per employee ($millions) | 3.3112% | 5,468 |
| Cash dividends to net income (ytd only)* | 9.7906% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6828% | 1,033 |
| Loan loss allowance to noncurrent loans | 50.4875% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 5.3821% | 1,093 |
| Noncurrent loans to loans | 5.3138% | 1,235 |
| Net loans and leases to total assets | 64.6260% | 4,462 |
| Net loans and leases to deposits | 76.1248% | 4,725 |
| Net loans and leases to core deposits | 106.8170% | 3,237 |
| Total domestic deposits to total assets | 84.8948% | 3,599 |
| Equity capital to assets | 11.8690% | 2,099 |
| Core capital (leverage) ratio | 11.4355% | 1,950 |
| Tier 1 risk-based capital ratio | 14.7801% | 3,058 |
| Total risk-based capital ratio | 16.0439% | 3,004 |
| Memoranda: | ||
| Average total assets | $1,311,295,200 | 516 |
| Average earning assets | $1,168,768,000 | 521 |
| Average equity | $139,700,600 | 481 |
| Average total loans | $923,824,000 | 517 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9930% | 2,066 |
| Cost of funding earning assets | 1.0425% | 7,296 |
| Net interest margin | 4.9505% | 495 |
| Noninterest income to average assets | 1.2211% | 1,031 |
| Noninterest expense to average assets | 3.2836% | 2,981 |
| Loan and lease loss provision to assets | 1.8348% | 1,014 |
| Net operating income to assets | 0.5251% | 3,882 |
| Return on assets (ROA) | 0.6362% | 3,539 |
| Pretax return on assets | 0.6438% | 4,042 |
| Return on Equity (ROE) | 6.1501% | 3,466 |
| Retained earnings to average equity (ytd only) | 5.1949% | 2,375 |
| Net charge-offs to loans | 1.3861% | 1,485 |
| Credit loss provision to net charge-offs | 185.1772% | 2,460 |
| Earnings coverage of net charge-offs (x) | 2.3883% | 4,040 |
| Efficiency ratio | 58.1163% | 6,706 |
| Assets per employee ($millions) | 3.2758% | 5,458 |
| Cash dividends to net income (ytd only)* | 15.5302% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5699% | 998 |
| Loan loss allowance to noncurrent loans | 41.4988% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 5.9817% | 904 |
| Noncurrent loans to loans | 6.1927% | 945 |
| Net loans and leases to total assets | 67.9360% | 3,978 |
| Net loans and leases to deposits | 82.9034% | 3,850 |
| Net loans and leases to core deposits | 119.5213% | 2,290 |
| Total domestic deposits to total assets | 81.9459% | 4,697 |
| Equity capital to assets | 11.8411% | 2,329 |
| Core capital (leverage) ratio | 11.2622% | 2,209 |
| Tier 1 risk-based capital ratio | 14.0782% | 3,500 |
| Total risk-based capital ratio | 15.3410% | 3,436 |
| Memoranda: | ||
| Average total assets | $1,306,338,500 | 531 |
| Average earning assets | $1,168,714,000 | 534 |
| Average equity | $135,128,000 | 508 |
| Average total loans | $933,788,500 | 527 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0479% | 1,992 |
| Cost of funding earning assets | 1.1283% | 7,302 |
| Net interest margin | 4.9196% | 517 |
| Noninterest income to average assets | 1.1443% | 1,197 |
| Noninterest expense to average assets | 3.3163% | 2,890 |
| Loan and lease loss provision to assets | 1.1480% | 1,494 |
| Net operating income to assets | 0.8793% | 2,539 |
| Return on assets (ROA) | 0.8909% | 2,604 |
| Pretax return on assets | 1.1143% | 2,584 |
| Return on Equity (ROE) | 9.0482% | 2,343 |
| Retained earnings to average equity (ytd only) | 7.5441% | 1,377 |
| Net charge-offs to loans | 1.3246% | 1,395 |
| Credit loss provision to net charge-offs | 120.2597% | 3,859 |
| Earnings coverage of net charge-offs (x) | 2.3547% | 3,887 |
| Efficiency ratio | 59.6024% | 6,607 |
| Assets per employee ($millions) | 3.2583% | 5,425 |
| Cash dividends to net income (ytd only)* | 16.6237% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 2,181 |
| Loan loss allowance to noncurrent loans | 34.8681% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 4.4428% | 1,269 |
| Noncurrent loans to loans | 5.0185% | 1,223 |
| Net loans and leases to total assets | 71.0051% | 3,462 |
| Net loans and leases to deposits | 84.7729% | 3,756 |
| Net loans and leases to core deposits | 121.6593% | 2,231 |
| Total domestic deposits to total assets | 83.7592% | 3,891 |
| Equity capital to assets | 10.1341% | 3,785 |
| Core capital (leverage) ratio | 9.4842% | 3,913 |
| Tier 1 risk-based capital ratio | 11.9022% | 4,998 |
| Total risk-based capital ratio | 13.1562% | 4,915 |
| Memoranda: | ||
| Average total assets | $1,307,189,670 | 544 |
| Average earning assets | $1,174,366,000 | 544 |
| Average equity | $128,710,000 | 539 |
| Average total loans | $942,017,330 | 535 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9896% | 2,404 |
| Cost of funding earning assets | 1.2240% | 7,241 |
| Net interest margin | 4.7657% | 659 |
| Noninterest income to average assets | 1.0006% | 1,485 |
| Noninterest expense to average assets | 3.0319% | 3,620 |
| Loan and lease loss provision to assets | 1.0962% | 1,197 |
| Net operating income to assets | 0.8861% | 2,754 |
| Return on assets (ROA) | 0.9014% | 2,853 |
| Pretax return on assets | 1.1808% | 2,685 |
| Return on Equity (ROE) | 9.2878% | 2,614 |
| Retained earnings to average equity (ytd only) | 6.2515% | 2,526 |
| Net charge-offs to loans | 1.4864% | 972 |
| Credit loss provision to net charge-offs | 102.4758% | 3,660 |
| Earnings coverage of net charge-offs (x) | 2.1098% | 3,669 |
| Efficiency ratio | 57.3270% | 6,783 |
| Assets per employee ($millions) | 3.3204% | 5,277 |
| Cash dividends to net income (ytd only)* | 32.6917% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 2,494 |
| Loan loss allowance to noncurrent loans | 33.9688% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 3.9674% | 1,299 |
| Noncurrent loans to loans | 4.7245% | 1,179 |
| Net loans and leases to total assets | 71.3285% | 3,394 |
| Net loans and leases to deposits | 84.3674% | 3,918 |
| Net loans and leases to core deposits | 120.2195% | 2,402 |
| Total domestic deposits to total assets | 84.5451% | 3,437 |
| Equity capital to assets | 9.8843% | 4,135 |
| Core capital (leverage) ratio | 9.2795% | 4,273 |
| Tier 1 risk-based capital ratio | 11.5816% | 5,337 |
| Total risk-based capital ratio | 12.8343% | 5,229 |
| Memoranda: | ||
| Average total assets | $1,314,020,000 | 538 |
| Average earning assets | $1,182,373,000 | 541 |
| Average equity | $127,521,500 | 539 |
| Average total loans | $945,611,000 | 539 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8158% | 1,622 |
| Cost of funding earning assets | 1.7089% | 7,241 |
| Net interest margin | 5.1069% | 399 |
| Noninterest income to average assets | 1.1473% | 1,170 |
| Noninterest expense to average assets | 2.6841% | 5,329 |
| Loan and lease loss provision to assets | 1.5073% | 891 |
| Net operating income to assets | 1.1369% | 2,001 |
| Return on assets (ROA) | 1.1571% | 1,844 |
| Pretax return on assets | 1.5401% | 1,566 |
| Return on Equity (ROE) | 11.9566% | 1,606 |
| Retained earnings to average equity (ytd only) | -2.8819% | 6,080 |
| Net charge-offs to loans | 1.7826% | 616 |
| Credit loss provision to net charge-offs | 116.9371% | 4,613 |
| Earnings coverage of net charge-offs (x) | 2.3433% | 4,915 |
| Efficiency ratio | 47.0524% | 7,869 |
| Assets per employee ($millions) | 3.4102% | 4,916 |
| Cash dividends to net income (ytd only)* | 124.1028% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 2,257 |
| Loan loss allowance to noncurrent loans | 50.5560% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 2.7773% | 1,693 |
| Noncurrent loans to loans | 3.1584% | 1,675 |
| Net loans and leases to total assets | 70.3011% | 3,952 |
| Net loans and leases to deposits | 86.9184% | 3,968 |
| Net loans and leases to core deposits | 120.0436% | 2,686 |
| Total domestic deposits to total assets | 80.8817% | 4,692 |
| Equity capital to assets | 9.5276% | 4,643 |
| Core capital (leverage) ratio | 9.1179% | 4,565 |
| Tier 1 risk-based capital ratio | 11.3522% | 5,384 |
| Total risk-based capital ratio | 12.6048% | 5,286 |
| Memoranda: | ||
| Average total assets | $1,290,800,600 | 528 |
| Average earning assets | $1,151,880,400 | 532 |
| Average equity | $124,918,200 | 543 |
| Average total loans | $933,333,600 | 529 |