Home > East Boston Savings Bank > Performance and Condition Ratios
East Boston Savings Bank, Performance and Condition Ratios
| 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 | 3.6476% | 2,426 |
| Cost of funding earning assets | 0.5220% | 940 |
| Net interest margin | 3.1256% | 2,982 |
| Noninterest income to average assets | 0.1872% | 4,264 |
| Noninterest expense to average assets | 1.6238% | 4,437 |
| Loan and lease loss provision to assets | -0.0892% | 4,577 |
| Net operating income to assets | 1.2305% | 2,062 |
| Return on assets (ROA) | 1.2615% | 2,008 |
| Pretax return on assets | 1.6932% | 1,421 |
| Return on Equity (ROE) | 10.6863% | 2,486 |
| Retained earnings to average equity (ytd only) | 10.6863% | 1,127 |
| Net charge-offs to loans | 0.0953% | 763 |
| Credit loss provision to net charge-offs | -115.2497% | 3,252 |
| Earnings coverage of net charge-offs (x) | 20.2213% | 1,740 |
| Efficiency ratio | 50.9255% | 4,129 |
| Assets per employee ($millions) | 14.3504% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,803 |
| Loan loss allowance to noncurrent loans | 875.6512% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 3,351 |
| Noncurrent loans to loans | 0.1414% | 3,403 |
| Net loans and leases to total assets | 79.1967% | 337 |
| Net loans and leases to deposits | 102.5863% | 180 |
| Net loans and leases to core deposits | 111.3536% | 300 |
| Total domestic deposits to total assets | 77.2001% | 4,479 |
| Equity capital to assets | 12.4483% | 1,197 |
| Core capital (leverage) ratio | 11.9047% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,383,774,750 | 220 |
| Average earning assets | $6,129,843,250 | 212 |
| Average equity | $753,593,250 | 202 |
| Average total loans | $5,184,145,000 | 188 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 2,360 |
| Cost of funding earning assets | 0.5561% | 912 |
| Net interest margin | 3.1354% | 2,941 |
| Noninterest income to average assets | 0.1831% | 4,285 |
| Noninterest expense to average assets | 1.6517% | 4,439 |
| Loan and lease loss provision to assets | -0.1387% | 4,696 |
| Net operating income to assets | 1.2442% | 2,044 |
| Return on assets (ROA) | 1.2927% | 1,961 |
| Pretax return on assets | 1.7430% | 1,376 |
| Return on Equity (ROE) | 11.1425% | 2,376 |
| Retained earnings to average equity (ytd only) | 11.1425% | 1,092 |
| Net charge-offs to loans | 0.0014% | 2,177 |
| Credit loss provision to net charge-offs | -12,127.0270% | 4,065 |
| Earnings coverage of net charge-offs (x) | 1,348.8649% | 89 |
| Efficiency ratio | 51.7013% | 4,075 |
| Assets per employee ($millions) | 14.3526% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,517 |
| Loan loss allowance to noncurrent loans | 614.4878% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,153 |
| Noncurrent loans to loans | 0.2090% | 3,213 |
| Net loans and leases to total assets | 78.6212% | 400 |
| Net loans and leases to deposits | 100.7298% | 235 |
| Net loans and leases to core deposits | 110.8575% | 339 |
| Total domestic deposits to total assets | 78.0516% | 4,428 |
| Equity capital to assets | 11.8316% | 1,445 |
| Core capital (leverage) ratio | 11.2598% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,469,164,667 | 217 |
| Average earning assets | $6,213,419,667 | 208 |
| Average equity | $750,530,667 | 203 |
| Average total loans | $5,274,289,667 | 188 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7208% | 2,310 |
| Cost of funding earning assets | 0.6005% | 874 |
| Net interest margin | 3.1203% | 2,930 |
| Noninterest income to average assets | 0.1876% | 4,257 |
| Noninterest expense to average assets | 1.5978% | 4,539 |
| Loan and lease loss provision to assets | -0.3192% | 4,864 |
| Net operating income to assets | 1.3998% | 1,577 |
| Return on assets (ROA) | 1.4857% | 1,423 |
| Pretax return on assets | 2.0176% | 919 |
| Return on Equity (ROE) | 12.9290% | 1,690 |
| Retained earnings to average equity (ytd only) | 12.9290% | 927 |
| Net charge-offs to loans | 0.0112% | 1,528 |
| Credit loss provision to net charge-offs | -3,444.7368% | 3,660 |
| Earnings coverage of net charge-offs (x) | 171.5132% | 445 |
| Efficiency ratio | 50.1301% | 4,177 |
| Assets per employee ($millions) | 13.8329% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,947 |
| Loan loss allowance to noncurrent loans | 2,032.5537% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,032 |
| Noncurrent loans to loans | 0.0589% | 3,991 |
| Net loans and leases to total assets | 80.4676% | 312 |
| Net loans and leases to deposits | 102.4578% | 227 |
| Net loans and leases to core deposits | 117.8723% | 267 |
| Total domestic deposits to total assets | 78.5373% | 4,379 |
| Equity capital to assets | 11.7891% | 1,395 |
| Core capital (leverage) ratio | 11.2133% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,560,537,500 | 218 |
| Average earning assets | $6,306,956,000 | 206 |
| Average equity | $753,903,000 | 202 |
| Average total loans | $5,408,055,500 | 185 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 2,399 |
| Cost of funding earning assets | 0.9677% | 676 |
| Net interest margin | 3.1399% | 3,524 |
| Noninterest income to average assets | 0.2509% | 3,984 |
| Noninterest expense to average assets | 1.5125% | 4,771 |
| Loan and lease loss provision to assets | 0.4097% | 749 |
| Net operating income to assets | 1.0039% | 2,277 |
| Return on assets (ROA) | 1.0124% | 2,392 |
| Pretax return on assets | 1.3542% | 1,804 |
| Return on Equity (ROE) | 9.2371% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.2371% | 718 |
| Net charge-offs to loans | 0.0045% | 3,196 |
| Credit loss provision to net charge-offs | 10,374.9020% | 99 |
| Earnings coverage of net charge-offs (x) | 443.9255% | 256 |
| Efficiency ratio | 46.3159% | 4,704 |
| Assets per employee ($millions) | 13.8486% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,710 |
| Loan loss allowance to noncurrent loans | 2,175.2212% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 4,099 |
| Noncurrent loans to loans | 0.0573% | 4,062 |
| Net loans and leases to total assets | 82.3656% | 267 |
| Net loans and leases to deposits | 107.0260% | 210 |
| Net loans and leases to core deposits | 124.3910% | 263 |
| Total domestic deposits to total assets | 76.9584% | 4,417 |
| Equity capital to assets | 11.1992% | 2,102 |
| Core capital (leverage) ratio | 11.1637% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,456,972,200 | 205 |
| Average earning assets | $6,199,703,000 | 197 |
| Average equity | $707,675,200 | 201 |
| Average total loans | $5,669,620,400 | 172 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 2,491 |
| Cost of funding earning assets | 1.0597% | 618 |
| Net interest margin | 3.1016% | 3,732 |
| Noninterest income to average assets | 0.2648% | 3,879 |
| Noninterest expense to average assets | 1.5233% | 4,784 |
| Loan and lease loss provision to assets | 0.3642% | 1,022 |
| Net operating income to assets | 1.0158% | 2,274 |
| Return on assets (ROA) | 0.9803% | 2,546 |
| Pretax return on assets | 1.3100% | 2,009 |
| Return on Equity (ROE) | 8.9952% | 2,399 |
| Retained earnings to average equity (ytd only) | 8.9952% | 979 |
| Net charge-offs to loans | 0.0050% | 2,965 |
| Credit loss provision to net charge-offs | 8,268.3962% | 143 |
| Earnings coverage of net charge-offs (x) | 390.2264% | 293 |
| Efficiency ratio | 46.9808% | 4,663 |
| Assets per employee ($millions) | 13.9120% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,696 |
| Loan loss allowance to noncurrent loans | 1,877.8179% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 4,166 |
| Noncurrent loans to loans | 0.0636% | 4,112 |
| Net loans and leases to total assets | 85.2154% | 197 |
| Net loans and leases to deposits | 112.6369% | 189 |
| Net loans and leases to core deposits | 131.2706% | 226 |
| Total domestic deposits to total assets | 75.6550% | 4,454 |
| Equity capital to assets | 10.9151% | 2,464 |
| Core capital (leverage) ratio | 10.9844% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,416,307,250 | 202 |
| Average earning assets | $6,159,834,000 | 193 |
| Average equity | $699,258,250 | 201 |
| Average total loans | $5,706,745,250 | 172 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,600 |
| Cost of funding earning assets | 1.1777% | 547 |
| Net interest margin | 3.0754% | 3,957 |
| Noninterest income to average assets | 0.2996% | 3,673 |
| Noninterest expense to average assets | 1.5812% | 4,793 |
| Loan and lease loss provision to assets | 0.3257% | 1,312 |
| Net operating income to assets | 1.0132% | 2,276 |
| Return on assets (ROA) | 0.9566% | 2,599 |
| Pretax return on assets | 1.2748% | 2,112 |
| Return on Equity (ROE) | 8.7824% | 2,457 |
| Retained earnings to average equity (ytd only) | 8.7824% | 1,080 |
| Net charge-offs to loans | 0.0049% | 2,791 |
| Credit loss provision to net charge-offs | 7,351.7730% | 164 |
| Earnings coverage of net charge-offs (x) | 377.4894% | 272 |
| Efficiency ratio | 48.6022% | 4,585 |
| Assets per employee ($millions) | 13.3418% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,283 |
| Loan loss allowance to noncurrent loans | 1,585.0000% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 4,231 |
| Noncurrent loans to loans | 0.0668% | 4,202 |
| Net loans and leases to total assets | 88.1683% | 59 |
| Net loans and leases to deposits | 116.8920% | 117 |
| Net loans and leases to core deposits | 135.2236% | 206 |
| Total domestic deposits to total assets | 75.4272% | 4,483 |
| Equity capital to assets | 10.8887% | 2,430 |
| Core capital (leverage) ratio | 10.6255% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,366,260,000 | 200 |
| Average earning assets | $6,114,419,000 | 190 |
| Average equity | $693,433,000 | 203 |
| Average total loans | $5,721,238,667 | 170 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 2,656 |
| Cost of funding earning assets | 1.3837% | 426 |
| Net interest margin | 3.0059% | 4,272 |
| Noninterest income to average assets | 0.1800% | 4,464 |
| Noninterest expense to average assets | 1.6568% | 4,816 |
| Loan and lease loss provision to assets | 0.0457% | 3,205 |
| Net operating income to assets | 1.0386% | 2,042 |
| Return on assets (ROA) | 0.8236% | 2,905 |
| Pretax return on assets | 1.0934% | 2,545 |
| Return on Equity (ROE) | 7.5603% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.5603% | 1,358 |
| Net charge-offs to loans | 0.0071% | 2,318 |
| Credit loss provision to net charge-offs | 717.8218% | 710 |
| Earnings coverage of net charge-offs (x) | 221.4950% | 315 |
| Efficiency ratio | 54.0013% | 4,395 |
| Assets per employee ($millions) | 12.3507% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 4,131 |
| Loan loss allowance to noncurrent loans | 1,597.5541% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,344 |
| Noncurrent loans to loans | 0.0560% | 4,331 |
| Net loans and leases to total assets | 88.8974% | 54 |
| Net loans and leases to deposits | 116.8826% | 106 |
| Net loans and leases to core deposits | 139.3073% | 174 |
| Total domestic deposits to total assets | 76.0570% | 4,480 |
| Equity capital to assets | 10.9965% | 2,857 |
| Core capital (leverage) ratio | 10.7203% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,340,676,500 | 198 |
| Average earning assets | $6,092,206,000 | 189 |
| Average equity | $690,763,500 | 205 |
| Average total loans | $5,722,515,000 | 169 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 3,221 |
| Cost of funding earning assets | 1.5481% | 347 |
| Net interest margin | 2.8601% | 4,698 |
| Noninterest income to average assets | 0.1740% | 4,619 |
| Noninterest expense to average assets | 1.5872% | 4,956 |
| Loan and lease loss provision to assets | -0.0407% | 5,000 |
| Net operating income to assets | 1.0418% | 2,689 |
| Return on assets (ROA) | 1.0672% | 2,684 |
| Pretax return on assets | 1.4145% | 2,102 |
| Return on Equity (ROE) | 10.4467% | 2,106 |
| Retained earnings to average equity (ytd only) | 10.4467% | 411 |
| Net charge-offs to loans | 0.0061% | 3,459 |
| Credit loss provision to net charge-offs | -735.9195% | 4,475 |
| Earnings coverage of net charge-offs (x) | 242.5201% | 343 |
| Efficiency ratio | 54.1918% | 4,406 |
| Assets per employee ($millions) | 12.3212% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 4,066 |
| Loan loss allowance to noncurrent loans | 1,477.8855% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,360 |
| Noncurrent loans to loans | 0.0592% | 4,306 |
| Net loans and leases to total assets | 90.0085% | 46 |
| Net loans and leases to deposits | 115.4722% | 118 |
| Net loans and leases to core deposits | 141.4678% | 171 |
| Total domestic deposits to total assets | 77.9482% | 4,366 |
| Equity capital to assets | 10.7915% | 3,191 |
| Core capital (leverage) ratio | 10.4675% | 2,985 |
| Tier 1 risk-based capital ratio | 11.0572% | 4,834 |
| Total risk-based capital ratio | 11.8988% | 4,896 |
| Memoranda: | ||
| Average total assets | $6,290,417,600 | 190 |
| Average earning assets | $6,058,986,000 | 180 |
| Average equity | $642,607,400 | 211 |
| Average total loans | $5,746,681,400 | 161 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 3,328 |
| Cost of funding earning assets | 1.5525% | 347 |
| Net interest margin | 2.8560% | 4,801 |
| Noninterest income to average assets | 0.1728% | 4,678 |
| Noninterest expense to average assets | 1.5839% | 5,018 |
| Loan and lease loss provision to assets | -0.0437% | 5,116 |
| Net operating income to assets | 1.0433% | 2,806 |
| Return on assets (ROA) | 1.0616% | 2,812 |
| Pretax return on assets | 1.4079% | 2,281 |
| Return on Equity (ROE) | 10.5414% | 2,198 |
| Retained earnings to average equity (ytd only) | 10.5414% | 618 |
| Net charge-offs to loans | 0.0080% | 3,091 |
| Credit loss provision to net charge-offs | -599.7085% | 4,357 |
| Earnings coverage of net charge-offs (x) | 184.1553% | 467 |
| Efficiency ratio | 54.1505% | 4,377 |
| Assets per employee ($millions) | 12.3591% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 4,115 |
| Loan loss allowance to noncurrent loans | 1,286.8608% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 4,401 |
| Noncurrent loans to loans | 0.0687% | 4,329 |
| Net loans and leases to total assets | 89.7230% | 46 |
| Net loans and leases to deposits | 114.5353% | 134 |
| Net loans and leases to core deposits | 141.8117% | 167 |
| Total domestic deposits to total assets | 78.3366% | 4,297 |
| Equity capital to assets | 10.4646% | 3,569 |
| Core capital (leverage) ratio | 10.1670% | 3,460 |
| Tier 1 risk-based capital ratio | 10.9380% | 4,941 |
| Total risk-based capital ratio | 11.8039% | 4,992 |
| Memoranda: | ||
| Average total assets | $6,279,752,500 | 191 |
| Average earning assets | $6,051,579,750 | 181 |
| Average equity | $632,400,000 | 215 |
| Average total loans | $5,745,693,750 | 163 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 3,507 |
| Cost of funding earning assets | 1.5247% | 348 |
| Net interest margin | 2.8187% | 4,908 |
| Noninterest income to average assets | 0.1667% | 4,753 |
| Noninterest expense to average assets | 1.6249% | 5,041 |
| Loan and lease loss provision to assets | 0.0294% | 3,232 |
| Net operating income to assets | 0.9287% | 3,174 |
| Return on assets (ROA) | 0.9678% | 3,107 |
| Pretax return on assets | 1.2808% | 2,631 |
| Return on Equity (ROE) | 9.7396% | 2,512 |
| Retained earnings to average equity (ytd only) | 9.7396% | 831 |
| Net charge-offs to loans | 0.0100% | 2,771 |
| Credit loss provision to net charge-offs | 320.9059% | 854 |
| Earnings coverage of net charge-offs (x) | 137.3902% | 533 |
| Efficiency ratio | 56.3111% | 4,213 |
| Assets per employee ($millions) | 12.6196% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 3,981 |
| Loan loss allowance to noncurrent loans | 890.7723% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 4,282 |
| Noncurrent loans to loans | 0.1039% | 4,204 |
| Net loans and leases to total assets | 90.8637% | 40 |
| Net loans and leases to deposits | 114.6939% | 131 |
| Net loans and leases to core deposits | 145.5182% | 154 |
| Total domestic deposits to total assets | 79.2228% | 4,178 |
| Equity capital to assets | 10.1362% | 3,850 |
| Core capital (leverage) ratio | 9.9602% | 3,626 |
| Tier 1 risk-based capital ratio | 10.3481% | 5,157 |
| Total risk-based capital ratio | 11.2462% | 5,169 |
| Memoranda: | ||
| Average total assets | $6,255,483,000 | 192 |
| Average earning assets | $6,034,052,670 | 182 |
| Average equity | $621,609,330 | 219 |
| Average total loans | $5,744,077,670 | 163 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 3,528 |
| Cost of funding earning assets | 1.4701% | 361 |
| Net interest margin | 2.8390% | 4,948 |
| Noninterest income to average assets | 0.1597% | 4,779 |
| Noninterest expense to average assets | 1.6587% | 5,052 |
| Loan and lease loss provision to assets | 0.0543% | 2,580 |
| Net operating income to assets | 0.9026% | 3,223 |
| Return on assets (ROA) | 0.9701% | 3,013 |
| Pretax return on assets | 1.2735% | 2,557 |
| Return on Equity (ROE) | 9.8633% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.8633% | 1,071 |
| Net charge-offs to loans | 0.0054% | 2,512 |
| Credit loss provision to net charge-offs | 1,094.8052% | 346 |
| Earnings coverage of net charge-offs (x) | 250.4675% | 321 |
| Efficiency ratio | 57.1746% | 4,191 |
| Assets per employee ($millions) | 12.4465% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 4,018 |
| Loan loss allowance to noncurrent loans | 715.7609% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,202 |
| Noncurrent loans to loans | 0.1309% | 4,150 |
| Net loans and leases to total assets | 91.1936% | 29 |
| Net loans and leases to deposits | 113.1049% | 160 |
| Net loans and leases to core deposits | 140.2426% | 185 |
| Total domestic deposits to total assets | 80.6274% | 4,043 |
| Equity capital to assets | 10.0079% | 3,814 |
| Core capital (leverage) ratio | 9.8027% | 3,814 |
| Tier 1 risk-based capital ratio | 9.9115% | 5,300 |
| Total risk-based capital ratio | 10.7978% | 5,310 |
| Memoranda: | ||
| Average total assets | $6,209,383,000 | 193 |
| Average earning assets | $5,995,761,000 | 184 |
| Average equity | $610,705,500 | 222 |
| Average total loans | $5,705,315,000 | 164 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 3,446 |
| Cost of funding earning assets | 1.1744% | 374 |
| Net interest margin | 3.0250% | 4,771 |
| Noninterest income to average assets | 0.1923% | 4,753 |
| Noninterest expense to average assets | 1.6765% | 5,120 |
| Loan and lease loss provision to assets | 0.1391% | 1,545 |
| Net operating income to assets | 1.0192% | 2,929 |
| Return on assets (ROA) | 0.9903% | 3,049 |
| Pretax return on assets | 1.2573% | 2,670 |
| Return on Equity (ROE) | 9.9223% | 2,548 |
| Retained earnings to average equity (ytd only) | 9.9223% | 631 |
| Net charge-offs to loans | -0.0039% | 4,306 |
| Credit loss provision to net charge-offs | -3,963.6364% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9165% | 4,627 |
| Assets per employee ($millions) | 12.0277% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 3,983 |
| Loan loss allowance to noncurrent loans | 770.7935% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 4,267 |
| Noncurrent loans to loans | 0.1223% | 4,181 |
| Net loans and leases to total assets | 90.8410% | 46 |
| Net loans and leases to deposits | 113.5173% | 171 |
| Net loans and leases to core deposits | 141.1923% | 192 |
| Total domestic deposits to total assets | 80.0239% | 4,102 |
| Equity capital to assets | 9.6596% | 3,992 |
| Core capital (leverage) ratio | 9.7131% | 3,892 |
| Tier 1 risk-based capital ratio | 9.6972% | 5,356 |
| Total risk-based capital ratio | 10.5994% | 5,364 |
| Memoranda: | ||
| Average total assets | $5,642,005,000 | 203 |
| Average earning assets | $5,440,897,600 | 190 |
| Average equity | $563,108,000 | 224 |
| Average total loans | $5,142,144,600 | 171 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 3,379 |
| Cost of funding earning assets | 1.1090% | 381 |
| Net interest margin | 3.0723% | 4,750 |
| Noninterest income to average assets | 0.1936% | 4,812 |
| Noninterest expense to average assets | 1.7162% | 5,119 |
| Loan and lease loss provision to assets | 0.1036% | 1,934 |
| Net operating income to assets | 1.0403% | 2,923 |
| Return on assets (ROA) | 1.0523% | 2,873 |
| Pretax return on assets | 1.3500% | 2,429 |
| Return on Equity (ROE) | 10.4498% | 2,410 |
| Retained earnings to average equity (ytd only) | 10.4498% | 780 |
| Net charge-offs to loans | -0.0037% | 4,171 |
| Credit loss provision to net charge-offs | -3,082.7338% | 4,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4030% | 4,571 |
| Assets per employee ($millions) | 11.3732% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 4,086 |
| Loan loss allowance to noncurrent loans | 619.6478% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 4,252 |
| Noncurrent loans to loans | 0.1517% | 4,209 |
| Net loans and leases to total assets | 90.8281% | 51 |
| Net loans and leases to deposits | 116.8587% | 137 |
| Net loans and leases to core deposits | 145.4695% | 172 |
| Total domestic deposits to total assets | 77.7247% | 4,527 |
| Equity capital to assets | 10.0865% | 3,555 |
| Core capital (leverage) ratio | 9.8869% | 3,759 |
| Tier 1 risk-based capital ratio | 10.1624% | 5,341 |
| Total risk-based capital ratio | 11.0645% | 5,371 |
| Memoranda: | ||
| Average total assets | $5,512,967,000 | 205 |
| Average earning assets | $5,312,949,500 | 191 |
| Average equity | $555,171,250 | 225 |
| Average total loans | $5,015,840,500 | 172 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 3,353 |
| Cost of funding earning assets | 1.0417% | 379 |
| Net interest margin | 3.0863% | 4,754 |
| Noninterest income to average assets | 0.1972% | 4,838 |
| Noninterest expense to average assets | 1.7663% | 5,135 |
| Loan and lease loss provision to assets | 0.1494% | 1,269 |
| Net operating income to assets | 0.9670% | 3,156 |
| Return on assets (ROA) | 0.9627% | 3,181 |
| Pretax return on assets | 1.2518% | 2,722 |
| Return on Equity (ROE) | 9.5650% | 2,767 |
| Retained earnings to average equity (ytd only) | 9.5650% | 1,048 |
| Net charge-offs to loans | -0.0064% | 4,167 |
| Credit loss provision to net charge-offs | -2,585.3503% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6675% | 4,522 |
| Assets per employee ($millions) | 11.1462% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 4,082 |
| Loan loss allowance to noncurrent loans | 624.9336% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 4,289 |
| Noncurrent loans to loans | 0.1530% | 4,218 |
| Net loans and leases to total assets | 90.5332% | 60 |
| Net loans and leases to deposits | 115.2297% | 172 |
| Net loans and leases to core deposits | 143.6350% | 163 |
| Total domestic deposits to total assets | 78.5676% | 4,499 |
| Equity capital to assets | 9.9388% | 3,684 |
| Core capital (leverage) ratio | 9.8139% | 3,773 |
| Tier 1 risk-based capital ratio | 10.1259% | 5,395 |
| Total risk-based capital ratio | 11.0526% | 5,421 |
| Memoranda: | ||
| Average total assets | $5,432,335,670 | 206 |
| Average earning assets | $5,237,797,330 | 194 |
| Average equity | $546,741,000 | 226 |
| Average total loans | $4,928,908,000 | 172 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,303 |
| Cost of funding earning assets | 0.9597% | 450 |
| Net interest margin | 3.1205% | 4,661 |
| Noninterest income to average assets | 0.1993% | 4,832 |
| Noninterest expense to average assets | 1.8566% | 5,092 |
| Loan and lease loss provision to assets | 0.1645% | 1,090 |
| Net operating income to assets | 0.9312% | 3,153 |
| Return on assets (ROA) | 0.8994% | 3,298 |
| Pretax return on assets | 1.1473% | 2,979 |
| Return on Equity (ROE) | 8.8770% | 2,965 |
| Retained earnings to average equity (ytd only) | 8.8770% | 1,508 |
| Net charge-offs to loans | -0.0095% | 4,224 |
| Credit loss provision to net charge-offs | -1,920.1754% | 4,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8618% | 4,358 |
| Assets per employee ($millions) | 10.8087% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 4,175 |
| Loan loss allowance to noncurrent loans | 591.3087% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 4,339 |
| Noncurrent loans to loans | 0.1623% | 4,250 |
| Net loans and leases to total assets | 90.5176% | 52 |
| Net loans and leases to deposits | 115.7344% | 160 |
| Net loans and leases to core deposits | 176.6022% | 54 |
| Total domestic deposits to total assets | 78.2115% | 4,696 |
| Equity capital to assets | 10.0822% | 3,521 |
| Core capital (leverage) ratio | 10.0083% | 3,529 |
| Tier 1 risk-based capital ratio | 10.1036% | 5,474 |
| Total risk-based capital ratio | 11.0195% | 5,504 |
| Memoranda: | ||
| Average total assets | $5,322,934,500 | 207 |
| Average earning assets | $5,133,497,000 | 195 |
| Average equity | $539,283,500 | 227 |
| Average total loans | $4,810,584,500 | 176 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 3,227 |
| Cost of funding earning assets | 0.8635% | 453 |
| Net interest margin | 3.1914% | 4,467 |
| Noninterest income to average assets | 0.2794% | 4,462 |
| Noninterest expense to average assets | 1.8368% | 5,210 |
| Loan and lease loss provision to assets | 0.1019% | 2,185 |
| Net operating income to assets | 0.7769% | 3,266 |
| Return on assets (ROA) | 0.9019% | 2,730 |
| Pretax return on assets | 1.6050% | 1,276 |
| Return on Equity (ROE) | 8.6822% | 2,458 |
| Retained earnings to average equity (ytd only) | 8.6822% | 566 |
| Net charge-offs to loans | -0.0041% | 4,607 |
| Credit loss provision to net charge-offs | -2,745.1977% | 5,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8540% | 4,870 |
| Assets per employee ($millions) | 10.5671% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 4,117 |
| Loan loss allowance to noncurrent loans | 540.2965% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 4,343 |
| Noncurrent loans to loans | 0.1790% | 4,205 |
| Net loans and leases to total assets | 88.4550% | 119 |
| Net loans and leases to deposits | 111.9525% | 215 |
| Net loans and leases to core deposits | 163.6277% | 77 |
| Total domestic deposits to total assets | 79.0111% | 4,540 |
| Equity capital to assets | 10.1822% | 3,509 |
| Core capital (leverage) ratio | 10.0926% | 3,334 |
| Tier 1 risk-based capital ratio | 10.3938% | 5,405 |
| Total risk-based capital ratio | 11.3206% | 5,453 |
| Memoranda: | ||
| Average total assets | $4,767,504,800 | 213 |
| Average earning assets | $4,584,913,600 | 206 |
| Average equity | $495,219,200 | 231 |
| Average total loans | $4,306,377,400 | 180 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0233% | 3,269 |
| Cost of funding earning assets | 0.8317% | 489 |
| Net interest margin | 3.1916% | 4,469 |
| Noninterest income to average assets | 0.3072% | 4,332 |
| Noninterest expense to average assets | 1.8311% | 5,235 |
| Loan and lease loss provision to assets | 0.1598% | 1,287 |
| Net operating income to assets | 0.9102% | 2,976 |
| Return on assets (ROA) | 0.9716% | 2,736 |
| Pretax return on assets | 1.4762% | 1,859 |
| Return on Equity (ROE) | 9.3018% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.3018% | 756 |
| Net charge-offs to loans | 0.0025% | 3,662 |
| Credit loss provision to net charge-offs | 6,967.5000% | 65 |
| Earnings coverage of net charge-offs (x) | 672.8878% | 152 |
| Efficiency ratio | 54.2706% | 4,913 |
| Assets per employee ($millions) | 10.6381% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 4,037 |
| Loan loss allowance to noncurrent loans | 497.3088% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 4,198 |
| Noncurrent loans to loans | 0.2016% | 4,277 |
| Net loans and leases to total assets | 89.9271% | 86 |
| Net loans and leases to deposits | 113.0473% | 201 |
| Net loans and leases to core deposits | 156.1987% | 95 |
| Total domestic deposits to total assets | 79.5482% | 4,422 |
| Equity capital to assets | 10.1078% | 3,791 |
| Core capital (leverage) ratio | 10.3077% | 3,189 |
| Tier 1 risk-based capital ratio | 9.8286% | 5,626 |
| Total risk-based capital ratio | 10.7864% | 5,645 |
| Memoranda: | ||
| Average total assets | $4,651,703,750 | 219 |
| Average earning assets | $4,469,652,250 | 209 |
| Average equity | $485,874,000 | 235 |
| Average total loans | $4,214,969,750 | 183 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,261 |
| Cost of funding earning assets | 0.8174% | 482 |
| Net interest margin | 3.1671% | 4,501 |
| Noninterest income to average assets | 0.2851% | 4,514 |
| Noninterest expense to average assets | 1.9196% | 5,157 |
| Loan and lease loss provision to assets | 0.1375% | 1,506 |
| Net operating income to assets | 0.8313% | 3,243 |
| Return on assets (ROA) | 0.8996% | 2,972 |
| Pretax return on assets | 1.3753% | 2,116 |
| Return on Equity (ROE) | 8.5112% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.5112% | 996 |
| Net charge-offs to loans | 0.0018% | 3,456 |
| Credit loss provision to net charge-offs | 8,655.5556% | 38 |
| Earnings coverage of net charge-offs (x) | 886.1111% | 80 |
| Efficiency ratio | 57.6923% | 4,641 |
| Assets per employee ($millions) | 9.9724% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 4,115 |
| Loan loss allowance to noncurrent loans | 376.5264% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 4,158 |
| Noncurrent loans to loans | 0.2669% | 4,085 |
| Net loans and leases to total assets | 90.6623% | 66 |
| Net loans and leases to deposits | 115.7077% | 163 |
| Net loans and leases to core deposits | 151.8246% | 113 |
| Total domestic deposits to total assets | 78.3546% | 4,755 |
| Equity capital to assets | 10.4489% | 3,405 |
| Core capital (leverage) ratio | 10.4089% | 3,017 |
| Tier 1 risk-based capital ratio | 10.3138% | 5,535 |
| Total risk-based capital ratio | 11.2862% | 5,570 |
| Memoranda: | ||
| Average total assets | $4,532,092,000 | 223 |
| Average earning assets | $4,353,493,330 | 213 |
| Average equity | $479,014,330 | 239 |
| Average total loans | $4,102,801,000 | 188 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9155% | 3,346 |
| Cost of funding earning assets | 0.8017% | 483 |
| Net interest margin | 3.1138% | 4,616 |
| Noninterest income to average assets | 0.2233% | 4,935 |
| Noninterest expense to average assets | 1.9759% | 5,103 |
| Loan and lease loss provision to assets | 0.1455% | 1,284 |
| Net operating income to assets | 0.7276% | 3,574 |
| Return on assets (ROA) | 0.8210% | 3,174 |
| Pretax return on assets | 1.2352% | 2,460 |
| Return on Equity (ROE) | 7.7214% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.7214% | 1,566 |
| Net charge-offs to loans | 0.0004% | 2,937 |
| Credit loss provision to net charge-offs | 40,475.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 3,446.5000% | 6 |
| Efficiency ratio | 61.4550% | 4,233 |
| Assets per employee ($millions) | 9.7864% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 4,112 |
| Loan loss allowance to noncurrent loans | 305.1586% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 3,993 |
| Noncurrent loans to loans | 0.3368% | 3,894 |
| Net loans and leases to total assets | 88.3831% | 96 |
| Net loans and leases to deposits | 108.9974% | 237 |
| Net loans and leases to core deposits | 144.2213% | 140 |
| Total domestic deposits to total assets | 81.0874% | 4,397 |
| Equity capital to assets | 10.5136% | 3,172 |
| Core capital (leverage) ratio | 10.5244% | 2,875 |
| Tier 1 risk-based capital ratio | 10.5770% | 5,509 |
| Total risk-based capital ratio | 11.5694% | 5,551 |
| Memoranda: | ||
| Average total assets | $4,449,649,000 | 231 |
| Average earning assets | $4,275,378,000 | 216 |
| Average equity | $473,129,500 | 241 |
| Average total loans | $4,003,393,000 | 192 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 2,841 |
| Cost of funding earning assets | 0.7555% | 618 |
| Net interest margin | 3.3467% | 4,006 |
| Noninterest income to average assets | 0.2719% | 4,789 |
| Noninterest expense to average assets | 2.0169% | 5,154 |
| Loan and lease loss provision to assets | 0.1862% | 1,267 |
| Net operating income to assets | 0.8320% | 3,141 |
| Return on assets (ROA) | 0.8805% | 3,042 |
| Pretax return on assets | 1.3400% | 2,142 |
| Return on Equity (ROE) | 7.6380% | 3,148 |
| Retained earnings to average equity (ytd only) | 7.6380% | 985 |
| Net charge-offs to loans | 0.0124% | 3,854 |
| Credit loss provision to net charge-offs | 1,646.7890% | 263 |
| Earnings coverage of net charge-offs (x) | 128.4839% | 476 |
| Efficiency ratio | 58.1326% | 4,833 |
| Assets per employee ($millions) | 9.4126% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 4,206 |
| Loan loss allowance to noncurrent loans | 298.7944% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 4,037 |
| Noncurrent loans to loans | 0.3408% | 3,916 |
| Net loans and leases to total assets | 89.7490% | 74 |
| Net loans and leases to deposits | 111.1243% | 200 |
| Net loans and leases to core deposits | 141.7143% | 156 |
| Total domestic deposits to total assets | 80.7644% | 4,401 |
| Equity capital to assets | 10.7579% | 2,858 |
| Core capital (leverage) ratio | 10.7365% | 2,614 |
| Tier 1 risk-based capital ratio | 10.7359% | 5,469 |
| Total risk-based capital ratio | 11.7236% | 5,519 |
| Memoranda: | ||
| Average total assets | $3,856,440,200 | 245 |
| Average earning assets | $3,684,716,800 | 233 |
| Average equity | $444,579,000 | 237 |
| Average total loans | $3,504,230,000 | 201 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 2,900 |
| Cost of funding earning assets | 0.7423% | 660 |
| Net interest margin | 3.3502% | 4,027 |
| Noninterest income to average assets | 0.2761% | 4,794 |
| Noninterest expense to average assets | 2.0663% | 5,072 |
| Loan and lease loss provision to assets | 0.2098% | 1,006 |
| Net operating income to assets | 0.8036% | 3,349 |
| Return on assets (ROA) | 0.8087% | 3,465 |
| Pretax return on assets | 1.2043% | 2,819 |
| Return on Equity (ROE) | 6.8812% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.8812% | 1,682 |
| Net charge-offs to loans | 0.0229% | 3,225 |
| Credit loss provision to net charge-offs | 1,006.1644% | 397 |
| Earnings coverage of net charge-offs (x) | 67.4398% | 876 |
| Efficiency ratio | 59.4988% | 4,614 |
| Assets per employee ($millions) | 8.9324% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 4,155 |
| Loan loss allowance to noncurrent loans | 254.5018% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,932 |
| Noncurrent loans to loans | 0.4106% | 3,805 |
| Net loans and leases to total assets | 89.7760% | 76 |
| Net loans and leases to deposits | 112.5102% | 214 |
| Net loans and leases to core deposits | 143.0626% | 172 |
| Total domestic deposits to total assets | 79.7936% | 4,560 |
| Equity capital to assets | 11.1284% | 2,889 |
| Core capital (leverage) ratio | 11.0990% | 2,359 |
| Tier 1 risk-based capital ratio | 10.9212% | 5,409 |
| Total risk-based capital ratio | 11.9042% | 5,463 |
| Memoranda: | ||
| Average total assets | $3,733,393,250 | 251 |
| Average earning assets | $3,562,316,000 | 240 |
| Average equity | $438,768,500 | 240 |
| Average total loans | $3,394,538,250 | 207 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 2,920 |
| Cost of funding earning assets | 0.7273% | 693 |
| Net interest margin | 3.3576% | 4,032 |
| Noninterest income to average assets | 0.2729% | 4,828 |
| Noninterest expense to average assets | 2.1307% | 4,991 |
| Loan and lease loss provision to assets | 0.2775% | 666 |
| Net operating income to assets | 0.7307% | 3,648 |
| Return on assets (ROA) | 0.7355% | 3,786 |
| Pretax return on assets | 1.0727% | 3,316 |
| Return on Equity (ROE) | 6.1356% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.1356% | 2,049 |
| Net charge-offs to loans | 0.0064% | 3,463 |
| Credit loss provision to net charge-offs | 4,733.9623% | 94 |
| Earnings coverage of net charge-offs (x) | 229.1698% | 285 |
| Efficiency ratio | 61.3357% | 4,454 |
| Assets per employee ($millions) | 8.4713% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 4,049 |
| Loan loss allowance to noncurrent loans | 130.2148% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 2,685 |
| Noncurrent loans to loans | 0.8295% | 2,668 |
| Net loans and leases to total assets | 90.8466% | 44 |
| Net loans and leases to deposits | 114.8508% | 167 |
| Net loans and leases to core deposits | 143.4722% | 158 |
| Total domestic deposits to total assets | 79.0997% | 4,758 |
| Equity capital to assets | 11.4555% | 2,595 |
| Core capital (leverage) ratio | 11.5983% | 1,911 |
| Tier 1 risk-based capital ratio | 10.8757% | 5,497 |
| Total risk-based capital ratio | 11.8493% | 5,543 |
| Memoranda: | ||
| Average total assets | $3,617,151,670 | 257 |
| Average earning assets | $3,448,440,670 | 247 |
| Average equity | $433,599,330 | 242 |
| Average total loans | $3,291,564,670 | 214 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 2,688 |
| Cost of funding earning assets | 0.7178% | 738 |
| Net interest margin | 3.4214% | 3,798 |
| Noninterest income to average assets | 0.2718% | 4,790 |
| Noninterest expense to average assets | 2.2098% | 4,883 |
| Loan and lease loss provision to assets | 0.1220% | 1,732 |
| Net operating income to assets | 0.8371% | 3,050 |
| Return on assets (ROA) | 0.8418% | 3,157 |
| Pretax return on assets | 1.2096% | 2,660 |
| Return on Equity (ROE) | 6.8546% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.8546% | 1,958 |
| Net charge-offs to loans | 0.0102% | 2,780 |
| Credit loss provision to net charge-offs | 1,316.0494% | 310 |
| Earnings coverage of net charge-offs (x) | 142.8889% | 418 |
| Efficiency ratio | 62.5170% | 4,368 |
| Assets per employee ($millions) | 8.0294% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 4,286 |
| Loan loss allowance to noncurrent loans | 112.0633% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 2,519 |
| Noncurrent loans to loans | 0.9461% | 2,485 |
| Net loans and leases to total assets | 89.0144% | 89 |
| Net loans and leases to deposits | 110.0330% | 228 |
| Net loans and leases to core deposits | 129.1352% | 284 |
| Total domestic deposits to total assets | 80.8979% | 4,522 |
| Equity capital to assets | 12.0312% | 2,018 |
| Core capital (leverage) ratio | 12.0792% | 1,559 |
| Tier 1 risk-based capital ratio | 11.4834% | 5,243 |
| Total risk-based capital ratio | 12.4252% | 5,320 |
| Memoranda: | ||
| Average total assets | $3,494,275,000 | 263 |
| Average earning assets | $3,332,463,500 | 255 |
| Average equity | $429,142,000 | 242 |
| Average total loans | $3,163,530,000 | 216 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,115 |
| Cost of funding earning assets | 0.6912% | 861 |
| Net interest margin | 3.3587% | 4,081 |
| Noninterest income to average assets | 0.3037% | 4,708 |
| Noninterest expense to average assets | 2.2495% | 4,924 |
| Loan and lease loss provision to assets | 0.2070% | 1,025 |
| Net operating income to assets | 0.7028% | 3,800 |
| Return on assets (ROA) | 0.7534% | 3,652 |
| Pretax return on assets | 1.1175% | 2,972 |
| Return on Equity (ROE) | 5.8806% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.8806% | 1,854 |
| Net charge-offs to loans | 0.0613% | 3,003 |
| Credit loss provision to net charge-offs | 385.1531% | 782 |
| Earnings coverage of net charge-offs (x) | 23.2363% | 1,738 |
| Efficiency ratio | 64.2982% | 4,199 |
| Assets per employee ($millions) | 7.6030% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 4,128 |
| Loan loss allowance to noncurrent loans | 106.5754% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.9264% | 2,351 |
| Noncurrent loans to loans | 1.0165% | 2,308 |
| Net loans and leases to total assets | 90.1509% | 61 |
| Net loans and leases to deposits | 111.0459% | 220 |
| Net loans and leases to core deposits | 128.2460% | 296 |
| Total domestic deposits to total assets | 81.1834% | 4,432 |
| Equity capital to assets | 12.5478% | 1,600 |
| Core capital (leverage) ratio | 12.5072% | 1,348 |
| Tier 1 risk-based capital ratio | 11.7186% | 5,121 |
| Total risk-based capital ratio | 12.6744% | 5,197 |
| Memoranda: | ||
| Average total assets | $3,220,187,200 | 266 |
| Average earning assets | $3,063,115,400 | 255 |
| Average equity | $412,560,000 | 239 |
| Average total loans | $2,825,023,600 | 221 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 3,251 |
| Cost of funding earning assets | 0.6921% | 873 |
| Net interest margin | 3.3299% | 4,218 |
| Noninterest income to average assets | 0.3071% | 4,742 |
| Noninterest expense to average assets | 2.2367% | 4,949 |
| Loan and lease loss provision to assets | 0.2568% | 658 |
| Net operating income to assets | 0.6617% | 4,071 |
| Return on assets (ROA) | 0.7327% | 3,860 |
| Pretax return on assets | 1.0840% | 3,294 |
| Return on Equity (ROE) | 5.6875% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.6875% | 2,454 |
| Net charge-offs to loans | 0.0969% | 2,183 |
| Credit loss provision to net charge-offs | 305.0822% | 952 |
| Earnings coverage of net charge-offs (x) | 14.6906% | 2,237 |
| Efficiency ratio | 64.3999% | 4,173 |
| Assets per employee ($millions) | 7.3607% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 4,148 |
| Loan loss allowance to noncurrent loans | 92.7317% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1060% | 2,142 |
| Noncurrent loans to loans | 1.2005% | 2,129 |
| Net loans and leases to total assets | 89.5735% | 75 |
| Net loans and leases to deposits | 110.0141% | 255 |
| Net loans and leases to core deposits | 123.8893% | 379 |
| Total domestic deposits to total assets | 81.4200% | 4,359 |
| Equity capital to assets | 12.8531% | 1,531 |
| Core capital (leverage) ratio | 12.5453% | 1,384 |
| Tier 1 risk-based capital ratio | 12.1983% | 4,961 |
| Total risk-based capital ratio | 13.1879% | 5,034 |
| Memoranda: | ||
| Average total assets | $3,179,399,000 | 272 |
| Average earning assets | $3,022,915,750 | 259 |
| Average equity | $409,566,250 | 245 |
| Average total loans | $2,760,400,750 | 227 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 3,425 |
| Cost of funding earning assets | 0.6913% | 881 |
| Net interest margin | 3.2740% | 4,402 |
| Noninterest income to average assets | 0.3060% | 4,765 |
| Noninterest expense to average assets | 2.2360% | 5,015 |
| Loan and lease loss provision to assets | 0.2347% | 780 |
| Net operating income to assets | 0.6393% | 4,177 |
| Return on assets (ROA) | 0.7444% | 3,764 |
| Pretax return on assets | 1.1012% | 3,170 |
| Return on Equity (ROE) | 5.7746% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.7746% | 2,367 |
| Net charge-offs to loans | 0.1531% | 1,566 |
| Credit loss provision to net charge-offs | 179.1888% | 1,349 |
| Earnings coverage of net charge-offs (x) | 9.0188% | 2,499 |
| Efficiency ratio | 65.4303% | 4,109 |
| Assets per employee ($millions) | 6.7932% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 4,349 |
| Loan loss allowance to noncurrent loans | 81.4593% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.2058% | 2,101 |
| Noncurrent loans to loans | 1.3439% | 2,002 |
| Net loans and leases to total assets | 86.2984% | 222 |
| Net loans and leases to deposits | 106.4685% | 359 |
| Net loans and leases to core deposits | 116.4832% | 577 |
| Total domestic deposits to total assets | 81.0554% | 4,600 |
| Equity capital to assets | 13.0939% | 1,351 |
| Core capital (leverage) ratio | 12.8178% | 1,245 |
| Tier 1 risk-based capital ratio | 13.0228% | 4,508 |
| Total risk-based capital ratio | 14.0139% | 4,561 |
| Memoranda: | ||
| Average total assets | $3,162,084,670 | 275 |
| Average earning assets | $3,004,978,330 | 262 |
| Average equity | $407,645,330 | 244 |
| Average total loans | $2,704,864,000 | 230 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 3,471 |
| Cost of funding earning assets | 0.7129% | 805 |
| Net interest margin | 3.2244% | 4,501 |
| Noninterest income to average assets | 0.2803% | 4,937 |
| Noninterest expense to average assets | 2.2676% | 4,955 |
| Loan and lease loss provision to assets | 0.0076% | 3,609 |
| Net operating income to assets | 0.7140% | 3,731 |
| Return on assets (ROA) | 0.8004% | 3,387 |
| Pretax return on assets | 1.2000% | 2,664 |
| Return on Equity (ROE) | 6.2571% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.2571% | 2,352 |
| Net charge-offs to loans | -0.0107% | 4,745 |
| Credit loss provision to net charge-offs | -83.3333% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7637% | 3,865 |
| Assets per employee ($millions) | 7.1988% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 4,685 |
| Loan loss allowance to noncurrent loans | 98.9209% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 2,753 |
| Noncurrent loans to loans | 1.0765% | 2,606 |
| Net loans and leases to total assets | 83.1315% | 367 |
| Net loans and leases to deposits | 102.2790% | 445 |
| Net loans and leases to core deposits | 110.8863% | 709 |
| Total domestic deposits to total assets | 81.2792% | 4,742 |
| Equity capital to assets | 12.7638% | 1,532 |
| Core capital (leverage) ratio | 12.5031% | 1,363 |
| Tier 1 risk-based capital ratio | 12.7651% | 4,749 |
| Total risk-based capital ratio | 13.7282% | 4,834 |
| Memoranda: | ||
| Average total assets | $3,167,111,500 | 269 |
| Average earning assets | $3,011,494,000 | 259 |
| Average equity | $405,106,000 | 244 |
| Average total loans | $2,682,165,500 | 228 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 4,148 |
| Cost of funding earning assets | 0.7496% | 845 |
| Net interest margin | 3.1419% | 5,091 |
| Noninterest income to average assets | 0.3186% | 4,840 |
| Noninterest expense to average assets | 2.2631% | 5,210 |
| Loan and lease loss provision to assets | 0.1117% | 2,305 |
| Net operating income to assets | 0.6146% | 4,299 |
| Return on assets (ROA) | 0.7559% | 3,702 |
| Pretax return on assets | 1.1340% | 2,952 |
| Return on Equity (ROE) | 7.3620% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.3620% | 1,248 |
| Net charge-offs to loans | 0.0073% | 4,776 |
| Credit loss provision to net charge-offs | 1,850.8380% | 165 |
| Earnings coverage of net charge-offs (x) | 171.4860% | 310 |
| Efficiency ratio | 68.6238% | 3,789 |
| Assets per employee ($millions) | 7.2806% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 4,750 |
| Loan loss allowance to noncurrent loans | 90.3520% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.0375% | 2,667 |
| Noncurrent loans to loans | 1.1763% | 2,484 |
| Net loans and leases to total assets | 84.4549% | 310 |
| Net loans and leases to deposits | 105.3016% | 385 |
| Net loans and leases to core deposits | 114.6990% | 569 |
| Total domestic deposits to total assets | 80.2028% | 4,968 |
| Equity capital to assets | 12.8188% | 1,455 |
| Core capital (leverage) ratio | 12.3212% | 1,441 |
| Tier 1 risk-based capital ratio | 13.8108% | 4,232 |
| Total risk-based capital ratio | 14.9030% | 4,262 |
| Memoranda: | ||
| Average total assets | $2,966,549,000 | 271 |
| Average earning assets | $2,813,049,600 | 262 |
| Average equity | $304,604,000 | 293 |
| Average total loans | $2,445,942,200 | 234 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 4,279 |
| Cost of funding earning assets | 0.7512% | 883 |
| Net interest margin | 3.1194% | 5,201 |
| Noninterest income to average assets | 0.3197% | 4,876 |
| Noninterest expense to average assets | 2.2915% | 5,131 |
| Loan and lease loss provision to assets | 0.0677% | 2,992 |
| Net operating income to assets | 0.6123% | 4,386 |
| Return on assets (ROA) | 0.7470% | 3,781 |
| Pretax return on assets | 1.1186% | 3,113 |
| Return on Equity (ROE) | 7.7949% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.7949% | 1,453 |
| Net charge-offs to loans | 0.0045% | 4,549 |
| Credit loss provision to net charge-offs | 1,855.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 270.0476% | 252 |
| Efficiency ratio | 69.9340% | 3,520 |
| Assets per employee ($millions) | 7.4421% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 4,913 |
| Loan loss allowance to noncurrent loans | 95.0855% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9440% | 3,081 |
| Noncurrent loans to loans | 1.1202% | 2,818 |
| Net loans and leases to total assets | 78.3400% | 923 |
| Net loans and leases to deposits | 97.0881% | 788 |
| Net loans and leases to core deposits | 103.9405% | 1,107 |
| Total domestic deposits to total assets | 80.6896% | 4,919 |
| Equity capital to assets | 12.4773% | 1,713 |
| Core capital (leverage) ratio | 12.1415% | 1,609 |
| Tier 1 risk-based capital ratio | 14.3379% | 3,995 |
| Total risk-based capital ratio | 15.4257% | 4,025 |
| Memoranda: | ||
| Average total assets | $2,923,698,750 | 273 |
| Average earning assets | $2,771,468,250 | 262 |
| Average equity | $280,193,250 | 305 |
| Average total loans | $2,387,772,750 | 233 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 4,170 |
| Cost of funding earning assets | 0.7661% | 849 |
| Net interest margin | 3.1246% | 5,173 |
| Noninterest income to average assets | 0.3352% | 4,745 |
| Noninterest expense to average assets | 2.3593% | 4,999 |
| Loan and lease loss provision to assets | 0.0583% | 3,121 |
| Net operating income to assets | 0.5864% | 4,423 |
| Return on assets (ROA) | 0.7310% | 3,768 |
| Pretax return on assets | 1.0921% | 3,129 |
| Return on Equity (ROE) | 8.5921% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.5921% | 1,119 |
| Net charge-offs to loans | 0.0028% | 4,292 |
| Credit loss provision to net charge-offs | 2,512.1212% | 145 |
| Earnings coverage of net charge-offs (x) | 402.4242% | 174 |
| Efficiency ratio | 71.6239% | 3,411 |
| Assets per employee ($millions) | 7.2009% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,955 |
| Loan loss allowance to noncurrent loans | 70.0826% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.3032% | 2,504 |
| Noncurrent loans to loans | 1.5524% | 2,233 |
| Net loans and leases to total assets | 77.8096% | 934 |
| Net loans and leases to deposits | 92.4802% | 1,098 |
| Net loans and leases to core deposits | 99.0165% | 1,367 |
| Total domestic deposits to total assets | 84.1365% | 3,880 |
| Equity capital to assets | 8.1371% | 6,075 |
| Core capital (leverage) ratio | 8.2142% | 5,916 |
| Tier 1 risk-based capital ratio | 9.0551% | 6,535 |
| Total risk-based capital ratio | 10.2314% | 6,532 |
| Memoranda: | ||
| Average total assets | $2,841,491,330 | 275 |
| Average earning assets | $2,690,712,000 | 266 |
| Average equity | $241,734,330 | 334 |
| Average total loans | $2,346,907,670 | 233 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 3,687 |
| Cost of funding earning assets | 0.7940% | 768 |
| Net interest margin | 3.2040% | 4,910 |
| Noninterest income to average assets | 0.3341% | 4,702 |
| Noninterest expense to average assets | 2.5358% | 4,497 |
| Loan and lease loss provision to assets | 0.0194% | 3,573 |
| Net operating income to assets | 0.5475% | 4,467 |
| Return on assets (ROA) | 0.7026% | 3,754 |
| Pretax return on assets | 1.0365% | 3,185 |
| Return on Equity (ROE) | 8.0627% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.0627% | 1,570 |
| Net charge-offs to loans | 0.0048% | 3,568 |
| Credit loss provision to net charge-offs | 475.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 202.2143% | 240 |
| Efficiency ratio | 75.3880% | 2,891 |
| Assets per employee ($millions) | 6.5698% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 5,185 |
| Loan loss allowance to noncurrent loans | 60.2173% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.5435% | 2,291 |
| Noncurrent loans to loans | 1.8012% | 2,138 |
| Net loans and leases to total assets | 83.0905% | 289 |
| Net loans and leases to deposits | 99.9124% | 440 |
| Net loans and leases to core deposits | 107.4513% | 696 |
| Total domestic deposits to total assets | 83.1633% | 4,548 |
| Equity capital to assets | 8.6325% | 5,516 |
| Core capital (leverage) ratio | 8.2631% | 5,881 |
| Tier 1 risk-based capital ratio | 9.1661% | 6,587 |
| Total risk-based capital ratio | 10.3241% | 6,586 |
| Memoranda: | ||
| Average total assets | $2,735,654,000 | 280 |
| Average earning assets | $2,586,748,000 | 272 |
| Average equity | $238,381,500 | 340 |
| Average total loans | $2,319,467,500 | 233 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 3,715 |
| Cost of funding earning assets | 0.8782% | 830 |
| Net interest margin | 3.2282% | 4,901 |
| Noninterest income to average assets | 0.3828% | 4,571 |
| Noninterest expense to average assets | 2.5959% | 4,482 |
| Loan and lease loss provision to assets | 0.2598% | 1,375 |
| Net operating income to assets | 0.3710% | 5,257 |
| Return on assets (ROA) | 0.6014% | 4,370 |
| Pretax return on assets | 0.9155% | 3,697 |
| Return on Equity (ROE) | 6.9388% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.9388% | 1,457 |
| Net charge-offs to loans | 0.0805% | 4,091 |
| Credit loss provision to net charge-offs | 394.7529% | 579 |
| Earnings coverage of net charge-offs (x) | 12.5534% | 2,111 |
| Efficiency ratio | 75.8586% | 2,794 |
| Assets per employee ($millions) | 6.3789% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 5,123 |
| Loan loss allowance to noncurrent loans | 61.0041% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6020% | 2,320 |
| Noncurrent loans to loans | 1.8108% | 2,220 |
| Net loans and leases to total assets | 84.6590% | 214 |
| Net loans and leases to deposits | 100.6455% | 450 |
| Net loans and leases to core deposits | 108.5387% | 670 |
| Total domestic deposits to total assets | 84.1160% | 4,118 |
| Equity capital to assets | 8.7987% | 5,256 |
| Core capital (leverage) ratio | 8.2445% | 5,933 |
| Tier 1 risk-based capital ratio | 9.0536% | 6,658 |
| Total risk-based capital ratio | 10.2269% | 6,651 |
| Memoranda: | ||
| Average total assets | $2,490,555,000 | 294 |
| Average earning assets | $2,344,785,600 | 282 |
| Average equity | $215,873,400 | 360 |
| Average total loans | $2,035,452,800 | 250 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,725 |
| Cost of funding earning assets | 0.8872% | 870 |
| Net interest margin | 3.2213% | 4,927 |
| Noninterest income to average assets | 0.3675% | 4,761 |
| Noninterest expense to average assets | 2.6024% | 4,381 |
| Loan and lease loss provision to assets | 0.2526% | 1,411 |
| Net operating income to assets | 0.3577% | 5,409 |
| Return on assets (ROA) | 0.5958% | 4,491 |
| Pretax return on assets | 0.9032% | 3,867 |
| Return on Equity (ROE) | 6.9026% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.9026% | 1,923 |
| Net charge-offs to loans | 0.0984% | 3,574 |
| Credit loss provision to net charge-offs | 318.2131% | 807 |
| Earnings coverage of net charge-offs (x) | 10.0144% | 2,406 |
| Efficiency ratio | 76.5977% | 2,629 |
| Assets per employee ($millions) | 6.3196% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 5,304 |
| Loan loss allowance to noncurrent loans | 54.3283% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 1.7133% | 2,396 |
| Noncurrent loans to loans | 2.0342% | 2,213 |
| Net loans and leases to total assets | 80.0230% | 546 |
| Net loans and leases to deposits | 95.9224% | 693 |
| Net loans and leases to core deposits | 103.6469% | 898 |
| Total domestic deposits to total assets | 83.4248% | 4,405 |
| Equity capital to assets | 8.5383% | 5,690 |
| Core capital (leverage) ratio | 8.2448% | 6,020 |
| Tier 1 risk-based capital ratio | 9.2208% | 6,708 |
| Total risk-based capital ratio | 10.3585% | 6,712 |
| Memoranda: | ||
| Average total assets | $2,443,409,750 | 300 |
| Average earning assets | $2,298,371,000 | 287 |
| Average equity | $210,909,750 | 370 |
| Average total loans | $1,970,949,750 | 256 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 3,591 |
| Cost of funding earning assets | 0.8926% | 933 |
| Net interest margin | 3.2457% | 4,789 |
| Noninterest income to average assets | 0.3882% | 4,611 |
| Noninterest expense to average assets | 2.6971% | 4,043 |
| Loan and lease loss provision to assets | 0.3771% | 861 |
| Net operating income to assets | 0.2547% | 5,765 |
| Return on assets (ROA) | 0.5029% | 4,952 |
| Pretax return on assets | 0.7163% | 4,629 |
| Return on Equity (ROE) | 5.8023% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.8023% | 2,555 |
| Net charge-offs to loans | 0.1602% | 2,822 |
| Credit loss provision to net charge-offs | 292.1722% | 888 |
| Earnings coverage of net charge-offs (x) | 5.7247% | 2,838 |
| Efficiency ratio | 78.4939% | 2,379 |
| Assets per employee ($millions) | 6.0960% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 5,243 |
| Loan loss allowance to noncurrent loans | 51.7546% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 1.8891% | 2,290 |
| Noncurrent loans to loans | 2.2217% | 2,146 |
| Net loans and leases to total assets | 80.8582% | 455 |
| Net loans and leases to deposits | 97.5399% | 566 |
| Net loans and leases to core deposits | 106.0397% | 736 |
| Total domestic deposits to total assets | 82.8976% | 4,739 |
| Equity capital to assets | 8.5452% | 5,723 |
| Core capital (leverage) ratio | 8.1501% | 6,059 |
| Tier 1 risk-based capital ratio | 8.8452% | 6,767 |
| Total risk-based capital ratio | 10.0070% | 6,777 |
| Memoranda: | ||
| Average total assets | $2,375,238,330 | 309 |
| Average earning assets | $2,230,457,670 | 295 |
| Average equity | $205,850,000 | 375 |
| Average total loans | $1,913,723,670 | 261 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 3,428 |
| Cost of funding earning assets | 0.9024% | 978 |
| Net interest margin | 3.2661% | 4,648 |
| Noninterest income to average assets | 0.3537% | 4,848 |
| Noninterest expense to average assets | 2.8350% | 3,584 |
| Loan and lease loss provision to assets | 0.2176% | 1,705 |
| Net operating income to assets | 0.2553% | 5,708 |
| Return on assets (ROA) | 0.5034% | 4,788 |
| Pretax return on assets | 0.7265% | 4,458 |
| Return on Equity (ROE) | 5.7652% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.7652% | 2,805 |
| Net charge-offs to loans | 0.1904% | 2,271 |
| Credit loss provision to net charge-offs | 143.0193% | 1,412 |
| Earnings coverage of net charge-offs (x) | 3.8422% | 2,664 |
| Efficiency ratio | 82.9049% | 1,902 |
| Assets per employee ($millions) | 5.7888% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,560 |
| Loan loss allowance to noncurrent loans | 45.2170% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.0286% | 2,303 |
| Noncurrent loans to loans | 2.4567% | 2,095 |
| Net loans and leases to total assets | 78.1380% | 597 |
| Net loans and leases to deposits | 94.7131% | 625 |
| Net loans and leases to core deposits | 102.6763% | 792 |
| Total domestic deposits to total assets | 82.4997% | 5,029 |
| Equity capital to assets | 8.7046% | 5,806 |
| Core capital (leverage) ratio | 8.2283% | 5,908 |
| Tier 1 risk-based capital ratio | 9.1770% | 6,793 |
| Total risk-based capital ratio | 10.3567% | 6,798 |
| Memoranda: | ||
| Average total assets | $2,316,231,000 | 320 |
| Average earning assets | $2,174,234,000 | 308 |
| Average equity | $202,248,500 | 384 |
| Average total loans | $1,850,860,500 | 271 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 3,666 |
| Cost of funding earning assets | 0.9969% | 1,378 |
| Net interest margin | 3.4413% | 4,734 |
| Noninterest income to average assets | 0.4971% | 3,927 |
| Noninterest expense to average assets | 2.9030% | 3,626 |
| Loan and lease loss provision to assets | 0.4099% | 1,572 |
| Net operating income to assets | 0.2659% | 5,588 |
| Return on assets (ROA) | 0.4374% | 5,180 |
| Pretax return on assets | 0.6356% | 4,864 |
| Return on Equity (ROE) | 4.8371% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.8371% | 2,820 |
| Net charge-offs to loans | 0.0720% | 4,963 |
| Credit loss provision to net charge-offs | 759.3805% | 322 |
| Earnings coverage of net charge-offs (x) | 14.7628% | 1,712 |
| Efficiency ratio | 78.4612% | 2,367 |
| Assets per employee ($millions) | 5.4296% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,453 |
| Loan loss allowance to noncurrent loans | 51.8144% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.8718% | 2,611 |
| Noncurrent loans to loans | 2.1721% | 2,498 |
| Net loans and leases to total assets | 79.9408% | 478 |
| Net loans and leases to deposits | 96.3220% | 598 |
| Net loans and leases to core deposits | 103.7401% | 804 |
| Total domestic deposits to total assets | 82.9933% | 4,729 |
| Equity capital to assets | 8.7605% | 5,781 |
| Core capital (leverage) ratio | 8.1535% | 6,038 |
| Tier 1 risk-based capital ratio | 9.1005% | 6,845 |
| Total risk-based capital ratio | 10.2332% | 6,851 |
| Memoranda: | ||
| Average total assets | $2,093,333,400 | 340 |
| Average earning assets | $1,948,233,600 | 331 |
| Average equity | $189,306,400 | 391 |
| Average total loans | $1,568,693,200 | 295 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 3,732 |
| Cost of funding earning assets | 1.0108% | 1,495 |
| Net interest margin | 3.4655% | 4,781 |
| Noninterest income to average assets | 0.5086% | 3,863 |
| Noninterest expense to average assets | 2.9317% | 3,473 |
| Loan and lease loss provision to assets | 0.3752% | 1,721 |
| Net operating income to assets | 0.2927% | 5,636 |
| Return on assets (ROA) | 0.4562% | 5,257 |
| Pretax return on assets | 0.6539% | 4,996 |
| Return on Equity (ROE) | 5.0019% | 4,818 |
| Retained earnings to average equity (ytd only) | 5.0019% | 3,364 |
| Net charge-offs to loans | 0.0186% | 5,410 |
| Credit loss provision to net charge-offs | 2,751.4286% | 98 |
| Earnings coverage of net charge-offs (x) | 58.3387% | 667 |
| Efficiency ratio | 78.6568% | 2,291 |
| Assets per employee ($millions) | 5.4963% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 5,651 |
| Loan loss allowance to noncurrent loans | 45.7036% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 1.9712% | 2,689 |
| Noncurrent loans to loans | 2.4433% | 2,352 |
| Net loans and leases to total assets | 75.1877% | 1,090 |
| Net loans and leases to deposits | 91.5244% | 1,018 |
| Net loans and leases to core deposits | 98.9050% | 1,197 |
| Total domestic deposits to total assets | 82.1504% | 4,966 |
| Equity capital to assets | 8.9280% | 5,896 |
| Core capital (leverage) ratio | 8.3916% | 5,907 |
| Tier 1 risk-based capital ratio | 9.7603% | 6,854 |
| Total risk-based capital ratio | 10.9129% | 6,863 |
| Memoranda: | ||
| Average total assets | $2,053,347,250 | 347 |
| Average earning assets | $1,907,062,000 | 337 |
| Average equity | $187,283,250 | 395 |
| Average total loans | $1,505,418,500 | 310 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 3,486 |
| Cost of funding earning assets | 1.0312% | 1,575 |
| Net interest margin | 3.5377% | 4,513 |
| Noninterest income to average assets | 0.4926% | 3,962 |
| Noninterest expense to average assets | 3.0474% | 3,103 |
| Loan and lease loss provision to assets | 0.3422% | 1,923 |
| Net operating income to assets | 0.2664% | 5,715 |
| Return on assets (ROA) | 0.4274% | 5,350 |
| Pretax return on assets | 0.6182% | 5,075 |
| Return on Equity (ROE) | 4.6507% | 4,969 |
| Retained earnings to average equity (ytd only) | 4.6507% | 3,511 |
| Net charge-offs to loans | 0.0298% | 4,963 |
| Credit loss provision to net charge-offs | 1,589.8148% | 205 |
| Earnings coverage of net charge-offs (x) | 33.7731% | 992 |
| Efficiency ratio | 80.7377% | 2,072 |
| Assets per employee ($millions) | 5.1598% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 6,009 |
| Loan loss allowance to noncurrent loans | 40.2379% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 2.0999% | 2,667 |
| Noncurrent loans to loans | 2.5811% | 2,327 |
| Net loans and leases to total assets | 74.9303% | 1,113 |
| Net loans and leases to deposits | 90.8799% | 1,059 |
| Net loans and leases to core deposits | 98.0677% | 1,266 |
| Total domestic deposits to total assets | 82.4499% | 4,966 |
| Equity capital to assets | 9.0361% | 5,660 |
| Core capital (leverage) ratio | 8.4549% | 5,703 |
| Tier 1 risk-based capital ratio | 9.6012% | 6,911 |
| Total risk-based capital ratio | 10.6482% | 6,939 |
| Memoranda: | ||
| Average total assets | $2,006,786,330 | 356 |
| Average earning assets | $1,861,610,330 | 342 |
| Average equity | $184,446,670 | 399 |
| Average total loans | $1,451,388,330 | 315 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 3,604 |
| Cost of funding earning assets | 1.0693% | 1,561 |
| Net interest margin | 3.5088% | 4,651 |
| Noninterest income to average assets | 0.5274% | 3,715 |
| Noninterest expense to average assets | 3.1500% | 2,758 |
| Loan and lease loss provision to assets | 0.2559% | 2,408 |
| Net operating income to assets | 0.2570% | 5,791 |
| Return on assets (ROA) | 0.4061% | 5,412 |
| Pretax return on assets | 0.5995% | 5,122 |
| Return on Equity (ROE) | 4.3802% | 5,106 |
| Retained earnings to average equity (ytd only) | 4.3802% | 3,969 |
| Net charge-offs to loans | 0.0631% | 3,863 |
| Credit loss provision to net charge-offs | 574.5455% | 592 |
| Earnings coverage of net charge-offs (x) | 14.2818% | 1,481 |
| Efficiency ratio | 83.1979% | 1,773 |
| Assets per employee ($millions) | 5.0245% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 6,295 |
| Loan loss allowance to noncurrent loans | 28.9960% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 2.5758% | 2,297 |
| Noncurrent loans to loans | 3.4051% | 1,847 |
| Net loans and leases to total assets | 70.5138% | 1,665 |
| Net loans and leases to deposits | 85.6688% | 1,458 |
| Net loans and leases to core deposits | 92.1975% | 1,632 |
| Total domestic deposits to total assets | 82.3098% | 5,194 |
| Equity capital to assets | 9.2486% | 5,162 |
| Core capital (leverage) ratio | 8.5015% | 5,586 |
| Tier 1 risk-based capital ratio | 10.2112% | 6,824 |
| Total risk-based capital ratio | 11.2591% | 6,873 |
| Memoranda: | ||
| Average total assets | $1,975,635,500 | 361 |
| Average earning assets | $1,834,796,500 | 345 |
| Average equity | $183,188,000 | 398 |
| Average total loans | $1,393,760,000 | 320 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 4,699 |
| Cost of funding earning assets | 1.2293% | 1,840 |
| Net interest margin | 3.3659% | 5,596 |
| Noninterest income to average assets | 0.5124% | 3,766 |
| Noninterest expense to average assets | 2.7384% | 4,594 |
| Loan and lease loss provision to assets | 0.1940% | 4,241 |
| Net operating income to assets | 0.4479% | 4,657 |
| Return on assets (ROA) | 0.6016% | 4,181 |
| Pretax return on assets | 0.9296% | 3,516 |
| Return on Equity (ROE) | 6.4169% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.4169% | 1,796 |
| Net charge-offs to loans | 0.0614% | 5,682 |
| Credit loss provision to net charge-offs | 479.3194% | 472 |
| Earnings coverage of net charge-offs (x) | 21.9202% | 1,075 |
| Efficiency ratio | 75.5318% | 2,969 |
| Assets per employee ($millions) | 5.0558% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 6,363 |
| Loan loss allowance to noncurrent loans | 24.3100% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 2.9565% | 2,033 |
| Noncurrent loans to loans | 3.9488% | 1,584 |
| Net loans and leases to total assets | 69.1872% | 2,182 |
| Net loans and leases to deposits | 83.6820% | 1,962 |
| Net loans and leases to core deposits | 90.5951% | 2,040 |
| Total domestic deposits to total assets | 82.6788% | 4,889 |
| Equity capital to assets | 9.2969% | 5,154 |
| Core capital (leverage) ratio | 8.5243% | 5,520 |
| Tier 1 risk-based capital ratio | 10.4080% | 6,724 |
| Total risk-based capital ratio | 11.3640% | 6,809 |
| Memoranda: | ||
| Average total assets | $1,887,828,800 | 363 |
| Average earning assets | $1,746,052,200 | 348 |
| Average equity | $176,985,400 | 399 |
| Average total loans | $1,244,942,400 | 348 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 4,809 |
| Cost of funding earning assets | 1.2660% | 1,894 |
| Net interest margin | 3.3488% | 5,723 |
| Noninterest income to average assets | 0.5075% | 3,813 |
| Noninterest expense to average assets | 2.6988% | 4,730 |
| Loan and lease loss provision to assets | 0.1702% | 4,340 |
| Net operating income to assets | 0.4716% | 4,668 |
| Return on assets (ROA) | 0.6655% | 3,969 |
| Pretax return on assets | 1.0369% | 3,255 |
| Return on Equity (ROE) | 7.0835% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.0835% | 1,925 |
| Net charge-offs to loans | 0.0456% | 5,535 |
| Credit loss provision to net charge-offs | 574.7596% | 476 |
| Earnings coverage of net charge-offs (x) | 30.5338% | 924 |
| Efficiency ratio | 74.9062% | 3,021 |
| Assets per employee ($millions) | 5.1231% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,392 |
| Loan loss allowance to noncurrent loans | 24.7203% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 2.7532% | 2,361 |
| Noncurrent loans to loans | 3.9169% | 1,697 |
| Net loans and leases to total assets | 64.7496% | 3,158 |
| Net loans and leases to deposits | 78.8252% | 2,841 |
| Net loans and leases to core deposits | 86.4037% | 2,722 |
| Total domestic deposits to total assets | 82.1433% | 5,034 |
| Equity capital to assets | 9.2925% | 5,396 |
| Core capital (leverage) ratio | 8.5389% | 5,657 |
| Tier 1 risk-based capital ratio | 10.9011% | 6,601 |
| Total risk-based capital ratio | 11.7634% | 6,761 |
| Memoranda: | ||
| Average total assets | $1,873,165,500 | 367 |
| Average earning assets | $1,731,465,250 | 353 |
| Average equity | $175,991,250 | 407 |
| Average total loans | $1,216,235,500 | 354 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 4,692 |
| Cost of funding earning assets | 1.2936% | 1,981 |
| Net interest margin | 3.3687% | 5,645 |
| Noninterest income to average assets | 0.4692% | 4,117 |
| Noninterest expense to average assets | 2.7523% | 4,622 |
| Loan and lease loss provision to assets | 0.0891% | 5,203 |
| Net operating income to assets | 0.4706% | 4,642 |
| Return on assets (ROA) | 0.7315% | 3,495 |
| Pretax return on assets | 1.1497% | 2,670 |
| Return on Equity (ROE) | 7.7567% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.7567% | 1,549 |
| Net charge-offs to loans | 0.0203% | 5,557 |
| Credit loss provision to net charge-offs | 678.6885% | 465 |
| Earnings coverage of net charge-offs (x) | 63.3197% | 520 |
| Efficiency ratio | 76.8060% | 2,887 |
| Assets per employee ($millions) | 5.4834% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 6,687 |
| Loan loss allowance to noncurrent loans | 21.0762% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 2.9855% | 2,242 |
| Noncurrent loans to loans | 4.2185% | 1,612 |
| Net loans and leases to total assets | 63.8131% | 3,505 |
| Net loans and leases to deposits | 78.3531% | 3,065 |
| Net loans and leases to core deposits | 86.2188% | 2,874 |
| Total domestic deposits to total assets | 81.4431% | 5,371 |
| Equity capital to assets | 9.4204% | 4,940 |
| Core capital (leverage) ratio | 8.5440% | 5,487 |
| Tier 1 risk-based capital ratio | 10.8220% | 6,640 |
| Total risk-based capital ratio | 11.7275% | 6,799 |
| Memoranda: | ||
| Average total assets | $1,858,871,000 | 372 |
| Average earning assets | $1,718,478,330 | 359 |
| Average equity | $175,305,670 | 413 |
| Average total loans | $1,204,059,330 | 360 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 4,160 |
| Cost of funding earning assets | 1.3135% | 2,106 |
| Net interest margin | 3.4644% | 5,164 |
| Noninterest income to average assets | 0.4957% | 3,926 |
| Noninterest expense to average assets | 2.8301% | 4,331 |
| Loan and lease loss provision to assets | 0.0744% | 5,068 |
| Net operating income to assets | 0.5021% | 4,482 |
| Return on assets (ROA) | 0.6227% | 3,977 |
| Pretax return on assets | 0.9821% | 3,196 |
| Return on Equity (ROE) | 6.5993% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.5993% | 2,325 |
| Net charge-offs to loans | 0.0582% | 4,349 |
| Credit loss provision to net charge-offs | 196.5517% | 1,508 |
| Earnings coverage of net charge-offs (x) | 22.9425% | 1,035 |
| Efficiency ratio | 76.5287% | 3,068 |
| Assets per employee ($millions) | 5.8066% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 6,791 |
| Loan loss allowance to noncurrent loans | 20.3169% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 2.9831% | 2,313 |
| Noncurrent loans to loans | 4.2572% | 1,673 |
| Net loans and leases to total assets | 63.2817% | 3,589 |
| Net loans and leases to deposits | 78.5983% | 2,959 |
| Net loans and leases to core deposits | 86.2885% | 2,831 |
| Total domestic deposits to total assets | 80.5128% | 5,812 |
| Equity capital to assets | 9.3519% | 4,648 |
| Core capital (leverage) ratio | 8.5088% | 5,434 |
| Tier 1 risk-based capital ratio | 10.4070% | 6,861 |
| Total risk-based capital ratio | 11.2661% | 6,994 |
| Memoranda: | ||
| Average total assets | $1,839,670,500 | 378 |
| Average earning assets | $1,700,506,000 | 363 |
| Average equity | $173,593,500 | 414 |
| Average total loans | $1,195,304,000 | 366 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5855% | 1,955 |
| Cost of funding earning assets | 1.4369% | 3,037 |
| Net interest margin | 4.1486% | 2,370 |
| Noninterest income to average assets | 0.5737% | 3,639 |
| Noninterest expense to average assets | 3.0825% | 3,533 |
| Loan and lease loss provision to assets | 0.1960% | 5,272 |
| Net operating income to assets | 0.7144% | 3,175 |
| Return on assets (ROA) | 0.7850% | 2,993 |
| Pretax return on assets | 1.2389% | 2,106 |
| Return on Equity (ROE) | 7.9045% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.9045% | 1,011 |
| Net charge-offs to loans | 0.2033% | 5,068 |
| Credit loss provision to net charge-offs | 140.2557% | 2,692 |
| Earnings coverage of net charge-offs (x) | 9.4788% | 1,816 |
| Efficiency ratio | 69.9442% | 4,192 |
| Assets per employee ($millions) | 5.5340% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 6,862 |
| Loan loss allowance to noncurrent loans | 23.5429% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 2.6091% | 2,669 |
| Noncurrent loans to loans | 3.6032% | 2,077 |
| Net loans and leases to total assets | 65.5905% | 3,547 |
| Net loans and leases to deposits | 81.0388% | 2,981 |
| Net loans and leases to core deposits | 89.0039% | 2,900 |
| Total domestic deposits to total assets | 80.9371% | 5,541 |
| Equity capital to assets | 9.5231% | 4,375 |
| Core capital (leverage) ratio | 8.5033% | 5,358 |
| Tier 1 risk-based capital ratio | 10.4903% | 6,708 |
| Total risk-based capital ratio | 11.3718% | 6,902 |
| Memoranda: | ||
| Average total assets | $1,623,025,600 | 420 |
| Average earning assets | $1,499,674,800 | 411 |
| Average equity | $161,187,200 | 427 |
| Average total loans | $1,115,409,000 | 401 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7482% | 1,556 |
| Cost of funding earning assets | 1.4598% | 3,220 |
| Net interest margin | 4.2885% | 1,884 |
| Noninterest income to average assets | 0.5800% | 3,581 |
| Noninterest expense to average assets | 3.2617% | 2,701 |
| Loan and lease loss provision to assets | 0.1899% | 5,145 |
| Net operating income to assets | 0.6885% | 3,470 |
| Return on assets (ROA) | 0.7310% | 3,435 |
| Pretax return on assets | 1.1578% | 2,646 |
| Return on Equity (ROE) | 7.2750% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.2750% | 1,712 |
| Net charge-offs to loans | 0.0006% | 6,667 |
| Credit loss provision to net charge-offs | 44,900.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 3,028.2099% | 6 |
| Efficiency ratio | 71.7959% | 3,741 |
| Assets per employee ($millions) | 5.3794% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 6,575 |
| Loan loss allowance to noncurrent loans | 30.7713% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 2.2970% | 3,087 |
| Noncurrent loans to loans | 3.0846% | 2,587 |
| Net loans and leases to total assets | 67.9082% | 3,241 |
| Net loans and leases to deposits | 84.4885% | 2,622 |
| Net loans and leases to core deposits | 92.6777% | 2,702 |
| Total domestic deposits to total assets | 80.3757% | 5,588 |
| Equity capital to assets | 9.5647% | 4,745 |
| Core capital (leverage) ratio | 8.7659% | 5,077 |
| Tier 1 risk-based capital ratio | 10.4110% | 6,827 |
| Total risk-based capital ratio | 11.3075% | 7,015 |
| Memoranda: | ||
| Average total assets | $1,576,376,250 | 431 |
| Average earning assets | $1,456,734,750 | 418 |
| Average equity | $158,400,750 | 428 |
| Average total loans | $1,094,987,500 | 416 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8900% | 1,209 |
| Cost of funding earning assets | 1.5152% | 3,168 |
| Net interest margin | 4.3747% | 1,524 |
| Noninterest income to average assets | 0.5897% | 3,416 |
| Noninterest expense to average assets | 3.1117% | 3,257 |
| Loan and lease loss provision to assets | 0.2865% | 4,102 |
| Net operating income to assets | 0.7752% | 3,089 |
| Return on assets (ROA) | 0.7752% | 3,238 |
| Pretax return on assets | 1.2309% | 2,316 |
| Return on Equity (ROE) | 7.5729% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.5729% | 1,606 |
| Net charge-offs to loans | 0.0274% | 5,945 |
| Credit loss provision to net charge-offs | 1,495.1724% | 273 |
| Earnings coverage of net charge-offs (x) | 79.2000% | 402 |
| Efficiency ratio | 67.2214% | 4,723 |
| Assets per employee ($millions) | 5.2655% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 6,606 |
| Loan loss allowance to noncurrent loans | 34.8567% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 2.1551% | 3,313 |
| Noncurrent loans to loans | 2.7181% | 2,935 |
| Net loans and leases to total assets | 69.4624% | 3,027 |
| Net loans and leases to deposits | 86.5381% | 2,426 |
| Net loans and leases to core deposits | 95.0217% | 2,587 |
| Total domestic deposits to total assets | 80.2680% | 5,646 |
| Equity capital to assets | 9.6074% | 4,535 |
| Core capital (leverage) ratio | 8.7010% | 5,071 |
| Tier 1 risk-based capital ratio | 10.2566% | 6,873 |
| Total risk-based capital ratio | 11.0571% | 7,113 |
| Memoranda: | ||
| Average total assets | $1,513,684,330 | 450 |
| Average earning assets | $1,397,666,000 | 440 |
| Average equity | $154,946,330 | 440 |
| Average total loans | $1,056,753,330 | 425 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1991% | 642 |
| Cost of funding earning assets | 1.5950% | 2,998 |
| Net interest margin | 4.6042% | 944 |
| Noninterest income to average assets | 0.6784% | 2,749 |
| Noninterest expense to average assets | 3.2882% | 2,564 |
| Loan and lease loss provision to assets | 0.3863% | 3,045 |
| Net operating income to assets | 0.7762% | 3,078 |
| Return on assets (ROA) | 0.7762% | 3,185 |
| Pretax return on assets | 1.2581% | 2,182 |
| Return on Equity (ROE) | 7.3152% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.3152% | 2,010 |
| Net charge-offs to loans | -0.0052% | 6,818 |
| Credit loss provision to net charge-offs | -10,569.2308% | 6,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6629% | 4,980 |
| Assets per employee ($millions) | 5.2604% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 6,781 |
| Loan loss allowance to noncurrent loans | 31.4486% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 2.3094% | 3,135 |
| Noncurrent loans to loans | 2.9195% | 2,757 |
| Net loans and leases to total assets | 68.1405% | 3,353 |
| Net loans and leases to deposits | 85.4129% | 2,701 |
| Net loans and leases to core deposits | 93.9162% | 2,851 |
| Total domestic deposits to total assets | 79.7778% | 5,865 |
| Equity capital to assets | 9.5572% | 4,444 |
| Core capital (leverage) ratio | 8.7933% | 4,866 |
| Tier 1 risk-based capital ratio | 10.2429% | 6,852 |
| Total risk-based capital ratio | 11.1424% | 7,092 |
| Memoranda: | ||
| Average total assets | $1,422,775,500 | 483 |
| Average earning assets | $1,314,640,000 | 474 |
| Average equity | $150,973,000 | 453 |
| Average total loans | $990,629,000 | 477 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5059% | 4,113 |
| Cost of funding earning assets | 2.0148% | 2,895 |
| Net interest margin | 3.4911% | 5,001 |
| Noninterest income to average assets | 0.4416% | 4,871 |
| Noninterest expense to average assets | 2.8248% | 4,864 |
| Loan and lease loss provision to assets | 0.3674% | 4,593 |
| Net operating income to assets | 0.3211% | 4,448 |
| Return on assets (ROA) | 0.2873% | 4,667 |
| Pretax return on assets | 0.4580% | 4,327 |
| Return on Equity (ROE) | 2.4042% | 4,747 |
| Retained earnings to average equity (ytd only) | 2.4042% | 3,446 |
| Net charge-offs to loans | 0.2278% | 5,193 |
| Credit loss provision to net charge-offs | 233.1239% | 1,561 |
| Earnings coverage of net charge-offs (x) | 5.5722% | 2,558 |
| Efficiency ratio | 76.2846% | 3,480 |
| Assets per employee ($millions) | 5.8996% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 5,797 |
| Loan loss allowance to noncurrent loans | 42.5958% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 2.1137% | 3,252 |
| Noncurrent loans to loans | 2.6344% | 2,921 |
| Net loans and leases to total assets | 70.0690% | 3,242 |
| Net loans and leases to deposits | 87.6491% | 2,619 |
| Net loans and leases to core deposits | 110.1701% | 2,877 |
| Total domestic deposits to total assets | 79.9427% | 5,683 |
| Equity capital to assets | 12.1377% | 1,946 |
| Core capital (leverage) ratio | 11.2032% | 2,101 |
| Tier 1 risk-based capital ratio | 13.1668% | 4,032 |
| Total risk-based capital ratio | 14.1695% | 4,146 |
| Memoranda: | ||
| Average total assets | $1,111,041,600 | 601 |
| Average earning assets | $1,037,942,600 | 585 |
| Average equity | $132,769,400 | 505 |
| Average total loans | $768,517,400 | 598 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 4,639 |
| Cost of funding earning assets | 2.1513% | 2,643 |
| Net interest margin | 3.3075% | 5,613 |
| Noninterest income to average assets | 0.4406% | 4,960 |
| Noninterest expense to average assets | 2.9569% | 4,218 |
| Loan and lease loss provision to assets | 0.2195% | 5,224 |
| Net operating income to assets | 0.2364% | 5,034 |
| Return on assets (ROA) | 0.1780% | 5,297 |
| Pretax return on assets | 0.2650% | 5,153 |
| Return on Equity (ROE) | 1.4956% | 5,334 |
| Retained earnings to average equity (ytd only) | 1.4956% | 4,477 |
| Net charge-offs to loans | 0.0014% | 6,977 |
| Credit loss provision to net charge-offs | 22,600.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 588.4264% | 53 |
| Efficiency ratio | 83.7984% | 2,319 |
| Assets per employee ($millions) | 6.0234% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 5,678 |
| Loan loss allowance to noncurrent loans | 45.1417% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 1.9083% | 3,486 |
| Noncurrent loans to loans | 2.4533% | 3,074 |
| Net loans and leases to total assets | 67.6114% | 4,047 |
| Net loans and leases to deposits | 83.5189% | 3,729 |
| Net loans and leases to core deposits | 104.3282% | 3,892 |
| Total domestic deposits to total assets | 80.9535% | 5,097 |
| Equity capital to assets | 12.0333% | 2,225 |
| Core capital (leverage) ratio | 11.5479% | 2,047 |
| Tier 1 risk-based capital ratio | 13.1564% | 4,080 |
| Total risk-based capital ratio | 14.0998% | 4,233 |
| Memoranda: | ||
| Average total assets | $1,098,247,500 | 619 |
| Average earning assets | $1,025,347,750 | 596 |
| Average equity | $130,695,250 | 524 |
| Average total loans | $754,747,500 | 624 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4078% | 5,110 |
| Cost of funding earning assets | 2.2858% | 2,411 |
| Net interest margin | 3.1220% | 6,176 |
| Noninterest income to average assets | 0.4448% | 4,889 |
| Noninterest expense to average assets | 3.1481% | 3,511 |
| Loan and lease loss provision to assets | 0.2061% | 4,992 |
| Net operating income to assets | -0.0015% | 5,845 |
| Return on assets (ROA) | -0.0526% | 5,994 |
| Pretax return on assets | -0.0712% | 5,965 |
| Return on Equity (ROE) | -0.4434% | 5,989 |
| Retained earnings to average equity (ytd only) | -0.4434% | 5,336 |
| Net charge-offs to loans | -0.0255% | 7,743 |
| Credit loss provision to net charge-offs | -1,172.6316% | 7,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9166% | 1,500 |
| Assets per employee ($millions) | 5.4204% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 5,929 |
| Loan loss allowance to noncurrent loans | 47.6107% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 1.7747% | 3,513 |
| Noncurrent loans to loans | 2.1993% | 3,256 |
| Net loans and leases to total assets | 67.7350% | 4,196 |
| Net loans and leases to deposits | 83.4311% | 3,972 |
| Net loans and leases to core deposits | 104.0349% | 4,059 |
| Total domestic deposits to total assets | 81.1868% | 5,005 |
| Equity capital to assets | 11.5971% | 2,474 |
| Core capital (leverage) ratio | 11.6407% | 2,010 |
| Tier 1 risk-based capital ratio | 12.8697% | 4,231 |
| Total risk-based capital ratio | 13.6801% | 4,499 |
| Memoranda: | ||
| Average total assets | $1,080,837,670 | 644 |
| Average earning assets | $1,006,479,000 | 619 |
| Average equity | $128,113,670 | 543 |
| Average total loans | $744,141,670 | 652 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4491% | 5,180 |
| Cost of funding earning assets | 2.4192% | 2,213 |
| Net interest margin | 3.0300% | 6,401 |
| Noninterest income to average assets | 0.4209% | 5,043 |
| Noninterest expense to average assets | 3.5923% | 1,884 |
| Loan and lease loss provision to assets | 0.2070% | 4,374 |
| Net operating income to assets | -0.4213% | 6,802 |
| Return on assets (ROA) | -0.4566% | 6,898 |
| Pretax return on assets | -0.6113% | 6,912 |
| Return on Equity (ROE) | -3.8077% | 6,872 |
| Retained earnings to average equity (ytd only) | -3.8077% | 6,404 |
| Net charge-offs to loans | -0.0022% | 7,116 |
| Credit loss provision to net charge-offs | -13,650.0000% | 6,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0421% | 785 |
| Assets per employee ($millions) | 5.5059% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 6,252 |
| Loan loss allowance to noncurrent loans | 46.8556% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 1.6801% | 3,403 |
| Noncurrent loans to loans | 2.1160% | 3,093 |
| Net loans and leases to total assets | 68.0458% | 4,129 |
| Net loans and leases to deposits | 84.1220% | 3,961 |
| Net loans and leases to core deposits | 106.2973% | 3,875 |
| Total domestic deposits to total assets | 80.8895% | 5,014 |
| Equity capital to assets | 11.4136% | 2,648 |
| Core capital (leverage) ratio | 11.8199% | 1,990 |
| Tier 1 risk-based capital ratio | 12.8517% | 4,289 |
| Total risk-based capital ratio | 13.6156% | 4,572 |
| Memoranda: | ||
| Average total assets | $1,054,825,000 | 662 |
| Average earning assets | $979,678,000 | 641 |
| Average equity | $126,481,000 | 542 |
| Average total loans | $728,480,000 | 679 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 7,220 |
| Cost of funding earning assets | 2.9198% | 2,175 |
| Net interest margin | 2.6136% | 7,629 |
| Noninterest income to average assets | 0.4151% | 5,346 |
| Noninterest expense to average assets | 2.7271% | 5,146 |
| Loan and lease loss provision to assets | 0.5582% | 2,583 |
| Net operating income to assets | -0.4116% | 6,836 |
| Return on assets (ROA) | 0.0273% | 6,143 |
| Pretax return on assets | 0.0046% | 6,144 |
| Return on Equity (ROE) | 0.2159% | 6,158 |
| Retained earnings to average equity (ytd only) | 0.2159% | 5,099 |
| Net charge-offs to loans | 0.3797% | 2,935 |
| Credit loss provision to net charge-offs | 235.2107% | 2,019 |
| Earnings coverage of net charge-offs (x) | 0.5219% | 5,917 |
| Efficiency ratio | 95.6553% | 1,178 |
| Assets per employee ($millions) | 5.1767% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,331 |
| Loan loss allowance to noncurrent loans | 48.0677% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 1.6426% | 2,964 |
| Noncurrent loans to loans | 2.0003% | 2,761 |
| Net loans and leases to total assets | 68.7482% | 4,312 |
| Net loans and leases to deposits | 86.7367% | 4,000 |
| Net loans and leases to core deposits | 108.6233% | 3,896 |
| Total domestic deposits to total assets | 79.2608% | 5,282 |
| Equity capital to assets | 12.6014% | 1,966 |
| Core capital (leverage) ratio | 12.8162% | 1,612 |
| Tier 1 risk-based capital ratio | 14.4973% | 3,301 |
| Total risk-based capital ratio | 15.2506% | 3,467 |
| Memoranda: | ||
| Average total assets | $1,009,966,800 | 659 |
| Average earning assets | $941,301,400 | 638 |
| Average equity | $127,866,200 | 535 |
| Average total loans | $631,277,200 | 756 |