Home > Enterprise Bank & Trust > Performance and Condition Ratios
Enterprise Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0537% | 589 |
| Cost of funding earning assets | 1.5166% | 1,904 |
| Net interest margin | 4.5370% | 577 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.4674% | 2,393 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.4796% | 1,053 |
| Return on assets (ROA) | 1.4842% | 1,019 |
| Pretax return on assets | 1.8850% | 791 |
| Return on Equity (ROE) | 12.4300% | 1,857 |
| Retained earnings to average equity (ytd only) | 9.6829% | 1,094 |
| Net charge-offs to loans | 0.3675% | 291 |
| Credit loss provision to net charge-offs | 94.3197% | 1,908 |
| Earnings coverage of net charge-offs (x) | 7.7439% | 2,385 |
| Efficiency ratio | 52.7594% | 3,770 |
| Assets per employee ($millions) | 12.0430% | 410 |
| Cash dividends to net income (ytd only)* | 22.0839% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,075 |
| Loan loss allowance to noncurrent loans | 247.6953% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 1,342 |
| Noncurrent loans to loans | 0.4999% | 1,538 |
| Net loans and leases to total assets | 74.2000% | 1,326 |
| Net loans and leases to deposits | 87.5201% | 1,481 |
| Net loans and leases to core deposits | 95.7247% | 1,668 |
| Total domestic deposits to total assets | 84.7800% | 2,384 |
| Equity capital to assets | 12.0672% | 1,105 |
| Core capital (leverage) ratio | 10.5802% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1871% | 2,171 |
| Memoranda: | ||
| Average total assets | $13,729,403,600 | 129 |
| Average earning assets | $12,632,077,600 | 126 |
| Average equity | $1,639,671,000 | 109 |
| Average total loans | $10,353,045,600 | 123 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9727% | 549 |
| Cost of funding earning assets | 1.3701% | 1,948 |
| Net interest margin | 4.6026% | 525 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.4531% | 2,365 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.5357% | 1,054 |
| Return on assets (ROA) | 1.5384% | 1,032 |
| Pretax return on assets | 1.9657% | 786 |
| Return on Equity (ROE) | 12.9200% | 1,917 |
| Retained earnings to average equity (ytd only) | 10.0234% | 1,394 |
| Net charge-offs to loans | 0.1248% | 652 |
| Credit loss provision to net charge-offs | 154.3753% | 1,305 |
| Earnings coverage of net charge-offs (x) | 22.7724% | 1,752 |
| Efficiency ratio | 52.6030% | 3,710 |
| Assets per employee ($millions) | 11.7114% | 409 |
| Cash dividends to net income (ytd only)* | 22.4036% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,705 |
| Loan loss allowance to noncurrent loans | 258.8661% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 1,345 |
| Noncurrent loans to loans | 0.5172% | 1,530 |
| Net loans and leases to total assets | 74.8500% | 1,256 |
| Net loans and leases to deposits | 87.1246% | 1,462 |
| Net loans and leases to core deposits | 97.3449% | 1,486 |
| Total domestic deposits to total assets | 85.9100% | 2,227 |
| Equity capital to assets | 11.7271% | 1,118 |
| Core capital (leverage) ratio | 10.5091% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1279% | 2,225 |
| Memoranda: | ||
| Average total assets | $13,539,812,500 | 132 |
| Average earning assets | $12,449,166,750 | 130 |
| Average equity | $1,612,522,500 | 113 |
| Average total loans | $10,220,187,750 | 126 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7991% | 556 |
| Cost of funding earning assets | 1.1598% | 2,108 |
| Net interest margin | 4.6392% | 497 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.4375% | 2,381 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.6018% | 942 |
| Return on assets (ROA) | 1.6071% | 940 |
| Pretax return on assets | 2.0579% | 681 |
| Return on Equity (ROE) | 13.4200% | 1,809 |
| Retained earnings to average equity (ytd only) | 10.3035% | 1,332 |
| Net charge-offs to loans | 0.0537% | 984 |
| Credit loss provision to net charge-offs | 261.9417% | 932 |
| Earnings coverage of net charge-offs (x) | 54.5718% | 1,241 |
| Efficiency ratio | 51.7016% | 3,794 |
| Assets per employee ($millions) | 11.7909% | 401 |
| Cash dividends to net income (ytd only)* | 23.2385% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 1,736 |
| Loan loss allowance to noncurrent loans | 620.4188% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 2,411 |
| Noncurrent loans to loans | 0.2167% | 2,400 |
| Net loans and leases to total assets | 74.9300% | 1,175 |
| Net loans and leases to deposits | 88.3843% | 1,309 |
| Net loans and leases to core deposits | 100.0950% | 1,232 |
| Total domestic deposits to total assets | 84.7700% | 2,602 |
| Equity capital to assets | 11.8808% | 1,081 |
| Core capital (leverage) ratio | 10.5162% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0073% | 2,293 |
| Memoranda: | ||
| Average total assets | $13,388,038,000 | 128 |
| Average earning assets | $12,306,203,000 | 127 |
| Average equity | $1,602,957,667 | 110 |
| Average total loans | $10,087,906,333 | 122 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5985% | 522 |
| Cost of funding earning assets | 0.8893% | 2,408 |
| Net interest margin | 4.7092% | 434 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.4084% | 2,507 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.7263% | 781 |
| Return on assets (ROA) | 1.7375% | 757 |
| Pretax return on assets | 2.2275% | 549 |
| Return on Equity (ROE) | 14.4500% | 1,676 |
| Retained earnings to average equity (ytd only) | 8.1323% | 2,182 |
| Net charge-offs to loans | -0.0107% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.9213% | 3,942 |
| Assets per employee ($millions) | 11.5157% | 452 |
| Cash dividends to net income (ytd only)* | 43.7323% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 1,692 |
| Loan loss allowance to noncurrent loans | 735.3379% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 2,517 |
| Noncurrent loans to loans | 0.1878% | 2,537 |
| Net loans and leases to total assets | 74.2400% | 1,174 |
| Net loans and leases to deposits | 87.5601% | 1,245 |
| Net loans and leases to core deposits | 94.4137% | 1,366 |
| Total domestic deposits to total assets | 84.7800% | 2,912 |
| Equity capital to assets | 12.1092% | 970 |
| Core capital (leverage) ratio | 10.5494% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0945% | 2,357 |
| Memoranda: | ||
| Average total assets | $13,160,816,000 | 134 |
| Average earning assets | $12,072,998,000 | 130 |
| Average equity | $1,582,134,500 | 115 |
| Average total loans | $9,875,272,500 | 126 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 1,181 |
| Cost of funding earning assets | 0.2574% | 3,267 |
| Net interest margin | 3.9790% | 813 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.9983% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6107% | 676 |
| Return on assets (ROA) | 1.6083% | 651 |
| Pretax return on assets | 2.0548% | 417 |
| Return on Equity (ROE) | 13.9700% | 1,537 |
| Retained earnings to average equity (ytd only) | 9.0518% | 1,466 |
| Net charge-offs to loans | 0.0420% | 1,281 |
| Credit loss provision to net charge-offs | -107.9764% | 4,581 |
| Earnings coverage of net charge-offs (x) | 69.7110% | 1,163 |
| Efficiency ratio | 48.3215% | 4,220 |
| Assets per employee ($millions) | 11.7412% | 423 |
| Cash dividends to net income (ytd only)* | 35.2275% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 1,478 |
| Loan loss allowance to noncurrent loans | 824.0973% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 2,611 |
| Noncurrent loans to loans | 0.1706% | 2,631 |
| Net loans and leases to total assets | 73.7400% | 1,244 |
| Net loans and leases to deposits | 87.7762% | 1,190 |
| Net loans and leases to core deposits | 92.1722% | 1,379 |
| Total domestic deposits to total assets | 84.0100% | 3,203 |
| Equity capital to assets | 11.9320% | 954 |
| Core capital (leverage) ratio | 10.4508% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0904% | 2,332 |
| Memoranda: | ||
| Average total assets | $13,237,897,400 | 136 |
| Average earning assets | $12,131,383,200 | 133 |
| Average equity | $1,523,478,800 | 125 |
| Average total loans | $9,290,460,600 | 130 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 1,458 |
| Cost of funding earning assets | 0.1749% | 3,567 |
| Net interest margin | 3.7366% | 1,061 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.9030% | 3,746 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.5264% | 793 |
| Return on assets (ROA) | 1.5228% | 779 |
| Pretax return on assets | 1.9478% | 519 |
| Return on Equity (ROE) | 13.3500% | 1,599 |
| Retained earnings to average equity (ytd only) | 8.9551% | 1,664 |
| Net charge-offs to loans | 0.0265% | 1,292 |
| Credit loss provision to net charge-offs | -145.0110% | 4,651 |
| Earnings coverage of net charge-offs (x) | 105.2067% | 927 |
| Efficiency ratio | 48.6489% | 4,238 |
| Assets per employee ($millions) | 11.8457% | 403 |
| Cash dividends to net income (ytd only)* | 32.9342% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 1,281 |
| Loan loss allowance to noncurrent loans | 570.4569% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 2,322 |
| Noncurrent loans to loans | 0.2634% | 2,321 |
| Net loans and leases to total assets | 71.1100% | 1,384 |
| Net loans and leases to deposits | 82.6410% | 1,390 |
| Net loans and leases to core deposits | 86.9431% | 1,471 |
| Total domestic deposits to total assets | 86.0500% | 3,058 |
| Equity capital to assets | 11.5338% | 994 |
| Core capital (leverage) ratio | 10.0707% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2395% | 2,376 |
| Memoranda: | ||
| Average total assets | $13,292,134,750 | 134 |
| Average earning assets | $12,185,211,750 | 133 |
| Average equity | $1,515,933,250 | 127 |
| Average total loans | $9,178,484,250 | 131 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6003% | 1,846 |
| Cost of funding earning assets | 0.1153% | 4,016 |
| Net interest margin | 3.4850% | 1,354 |
| Noninterest income to average assets | 0.4641% | 2,374 |
| Noninterest expense to average assets | 1.8483% | 3,840 |
| Loan and lease loss provision to assets | -0.0509% | 4,520 |
| Net operating income to assets | 1.4642% | 769 |
| Return on assets (ROA) | 1.4606% | 756 |
| Pretax return on assets | 1.8692% | 496 |
| Return on Equity (ROE) | 12.8540% | 1,422 |
| Retained earnings to average equity (ytd only) | 6.2880% | 2,242 |
| Net charge-offs to loans | 0.0295% | 1,136 |
| Credit loss provision to net charge-offs | -233.9525% | 3,240 |
| Earnings coverage of net charge-offs (x) | 90.7585% | 863 |
| Efficiency ratio | 49.2257% | 4,297 |
| Assets per employee ($millions) | 12.1007% | 369 |
| Cash dividends to net income (ytd only)* | 51.0809% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,365 |
| Loan loss allowance to noncurrent loans | 550.1037% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 2,305 |
| Noncurrent loans to loans | 0.2755% | 2,372 |
| Net loans and leases to total assets | 70.0155% | 1,297 |
| Net loans and leases to deposits | 81.5653% | 1,276 |
| Net loans and leases to core deposits | 86.4075% | 1,315 |
| Total domestic deposits to total assets | 85.8398% | 3,288 |
| Equity capital to assets | 11.3969% | 1,066 |
| Core capital (leverage) ratio | 9.3916% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1175% | 2,444 |
| Memoranda: | ||
| Average total assets | $13,403,118,667 | 133 |
| Average earning assets | $12,334,412,333 | 131 |
| Average equity | $1,523,016,333 | 126 |
| Average total loans | $9,119,388,333 | 129 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3897% | 2,118 |
| Cost of funding earning assets | 0.0976% | 4,160 |
| Net interest margin | 3.2921% | 1,586 |
| Noninterest income to average assets | 0.5144% | 2,074 |
| Noninterest expense to average assets | 1.7921% | 3,954 |
| Loan and lease loss provision to assets | -0.1198% | 4,619 |
| Net operating income to assets | 1.4715% | 677 |
| Return on assets (ROA) | 1.4676% | 677 |
| Pretax return on assets | 1.8766% | 466 |
| Return on Equity (ROE) | 12.9339% | 1,050 |
| Retained earnings to average equity (ytd only) | 6.4454% | 2,091 |
| Net charge-offs to loans | 0.0673% | 657 |
| Credit loss provision to net charge-offs | -283.2347% | 3,030 |
| Earnings coverage of net charge-offs (x) | 39.3307% | 1,012 |
| Efficiency ratio | 49.2413% | 4,348 |
| Assets per employee ($millions) | 12.8922% | 316 |
| Cash dividends to net income (ytd only)* | 50.1666% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 1,433 |
| Loan loss allowance to noncurrent loans | 622.1765% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 2,574 |
| Noncurrent loans to loans | 0.2470% | 2,607 |
| Net loans and leases to total assets | 65.2808% | 1,487 |
| Net loans and leases to deposits | 75.5900% | 1,483 |
| Net loans and leases to core deposits | 80.0520% | 1,475 |
| Total domestic deposits to total assets | 86.3618% | 3,147 |
| Equity capital to assets | 11.0757% | 1,298 |
| Core capital (leverage) ratio | 9.2032% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2795% | 2,493 |
| Memoranda: | ||
| Average total assets | $13,582,376,500 | 133 |
| Average earning assets | $12,539,981,000 | 132 |
| Average equity | $1,541,184,500 | 129 |
| Average total loans | $9,042,187,000 | 130 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 2,210 |
| Cost of funding earning assets | 0.1104% | 4,304 |
| Net interest margin | 3.5540% | 1,590 |
| Noninterest income to average assets | 0.5090% | 2,520 |
| Noninterest expense to average assets | 2.0800% | 3,438 |
| Loan and lease loss provision to assets | 0.1184% | 1,061 |
| Net operating income to assets | 1.2523% | 1,735 |
| Return on assets (ROA) | 1.2526% | 1,792 |
| Pretax return on assets | 1.5895% | 1,455 |
| Return on Equity (ROE) | 10.5533% | 2,322 |
| Retained earnings to average equity (ytd only) | 3.4763% | 3,421 |
| Net charge-offs to loans | 0.1457% | 651 |
| Credit loss provision to net charge-offs | 111.7293% | 1,701 |
| Earnings coverage of net charge-offs (x) | 16.6055% | 1,970 |
| Efficiency ratio | 53.5891% | 3,973 |
| Assets per employee ($millions) | 12.8074% | 331 |
| Cash dividends to net income (ytd only)* | 67.0601% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 1,240 |
| Loan loss allowance to noncurrent loans | 458.3233% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 2,255 |
| Noncurrent loans to loans | 0.3507% | 2,324 |
| Net loans and leases to total assets | 65.7753% | 1,495 |
| Net loans and leases to deposits | 77.5613% | 1,435 |
| Net loans and leases to core deposits | 82.3220% | 1,441 |
| Total domestic deposits to total assets | 84.8042% | 3,327 |
| Equity capital to assets | 11.6216% | 1,441 |
| Core capital (leverage) ratio | 9.3281% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5229% | 2,441 |
| Memoranda: | ||
| Average total assets | $11,309,245,200 | 149 |
| Average earning assets | $10,432,561,400 | 150 |
| Average equity | $1,342,360,600 | 144 |
| Average total loans | $7,982,704,600 | 144 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 2,288 |
| Cost of funding earning assets | 0.1144% | 4,391 |
| Net interest margin | 3.5812% | 1,644 |
| Noninterest income to average assets | 0.5054% | 2,603 |
| Noninterest expense to average assets | 2.1415% | 3,244 |
| Loan and lease loss provision to assets | 0.2112% | 470 |
| Net operating income to assets | 1.1521% | 2,358 |
| Return on assets (ROA) | 1.1525% | 2,413 |
| Pretax return on assets | 1.4535% | 2,140 |
| Return on Equity (ROE) | 9.6468% | 2,862 |
| Retained earnings to average equity (ytd only) | 1.8695% | 4,226 |
| Net charge-offs to loans | 0.1444% | 568 |
| Credit loss provision to net charge-offs | 200.6335% | 1,205 |
| Earnings coverage of net charge-offs (x) | 16.0559% | 1,849 |
| Efficiency ratio | 54.9040% | 3,675 |
| Assets per employee ($millions) | 11.7907% | 395 |
| Cash dividends to net income (ytd only)* | 80.6209% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 1,182 |
| Loan loss allowance to noncurrent loans | 347.9104% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 1,975 |
| Noncurrent loans to loans | 0.4793% | 2,122 |
| Net loans and leases to total assets | 69.7919% | 1,097 |
| Net loans and leases to deposits | 82.1126% | 1,112 |
| Net loans and leases to core deposits | 87.3850% | 1,193 |
| Total domestic deposits to total assets | 84.9953% | 3,113 |
| Equity capital to assets | 11.9991% | 1,403 |
| Core capital (leverage) ratio | 9.8217% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3702% | 2,595 |
| Memoranda: | ||
| Average total assets | $10,761,811,000 | 153 |
| Average earning assets | $9,917,706,500 | 151 |
| Average equity | $1,285,751,750 | 146 |
| Average total loans | $7,722,373,000 | 147 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 2,312 |
| Cost of funding earning assets | 0.1197% | 4,442 |
| Net interest margin | 3.5869% | 1,621 |
| Noninterest income to average assets | 0.4794% | 2,714 |
| Noninterest expense to average assets | 2.0089% | 3,671 |
| Loan and lease loss provision to assets | -0.0521% | 4,526 |
| Net operating income to assets | 1.4566% | 1,408 |
| Return on assets (ROA) | 1.4573% | 1,471 |
| Pretax return on assets | 1.8293% | 1,169 |
| Return on Equity (ROE) | 12.2206% | 1,972 |
| Retained earnings to average equity (ytd only) | 3.0562% | 3,820 |
| Net charge-offs to loans | 0.1796% | 473 |
| Credit loss provision to net charge-offs | -30.2333% | 2,947 |
| Earnings coverage of net charge-offs (x) | 13.7187% | 1,687 |
| Efficiency ratio | 51.6421% | 4,079 |
| Assets per employee ($millions) | 10.8887% | 474 |
| Cash dividends to net income (ytd only)* | 74.9911% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7725% | 928 |
| Loan loss allowance to noncurrent loans | 297.1441% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 1,823 |
| Noncurrent loans to loans | 0.5965% | 1,911 |
| Net loans and leases to total assets | 68.8920% | 1,339 |
| Net loans and leases to deposits | 81.1597% | 1,311 |
| Net loans and leases to core deposits | 86.4666% | 1,384 |
| Total domestic deposits to total assets | 84.8846% | 3,147 |
| Equity capital to assets | 11.7245% | 1,504 |
| Core capital (leverage) ratio | 9.3288% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4217% | 2,571 |
| Memoranda: | ||
| Average total assets | $10,065,128,333 | 158 |
| Average earning assets | $9,276,254,667 | 156 |
| Average equity | $1,200,301,667 | 149 |
| Average total loans | $7,255,947,000 | 153 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 2,347 |
| Cost of funding earning assets | 0.1256% | 4,491 |
| Net interest margin | 3.5782% | 1,641 |
| Noninterest income to average assets | 0.4679% | 2,765 |
| Noninterest expense to average assets | 2.1211% | 3,356 |
| Loan and lease loss provision to assets | 0.0019% | 2,724 |
| Net operating income to assets | 1.3107% | 1,791 |
| Return on assets (ROA) | 1.3124% | 1,869 |
| Pretax return on assets | 1.6412% | 1,620 |
| Return on Equity (ROE) | 10.9100% | 2,392 |
| Retained earnings to average equity (ytd only) | 0.8763% | 4,240 |
| Net charge-offs to loans | 0.3108% | 272 |
| Credit loss provision to net charge-offs | 8.9074% | 1,452 |
| Earnings coverage of net charge-offs (x) | 7.2222% | 1,623 |
| Efficiency ratio | 54.8693% | 3,691 |
| Assets per employee ($millions) | 10.6460% | 493 |
| Cash dividends to net income (ytd only)* | 91.9681% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 869 |
| Loan loss allowance to noncurrent loans | 353.4532% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 2,121 |
| Noncurrent loans to loans | 0.5099% | 2,329 |
| Net loans and leases to total assets | 70.5555% | 1,213 |
| Net loans and leases to deposits | 83.1386% | 1,230 |
| Net loans and leases to core deposits | 87.8924% | 1,375 |
| Total domestic deposits to total assets | 84.8649% | 3,158 |
| Equity capital to assets | 11.7291% | 1,425 |
| Core capital (leverage) ratio | 9.4942% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6161% | 2,441 |
| Memoranda: | ||
| Average total assets | $9,941,911,000 | 159 |
| Average earning assets | $9,152,447,500 | 157 |
| Average equity | $1,195,965,000 | 150 |
| Average total loans | $7,267,905,500 | 153 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 2,640 |
| Cost of funding earning assets | 0.3198% | 4,027 |
| Net interest margin | 3.7100% | 1,763 |
| Noninterest income to average assets | 0.6164% | 2,155 |
| Noninterest expense to average assets | 1.9189% | 4,290 |
| Loan and lease loss provision to assets | 0.7941% | 157 |
| Net operating income to assets | 1.0476% | 2,111 |
| Return on assets (ROA) | 1.0516% | 2,237 |
| Pretax return on assets | 1.3059% | 1,952 |
| Return on Equity (ROE) | 8.4298% | 2,635 |
| Retained earnings to average equity (ytd only) | 4.8284% | 2,356 |
| Net charge-offs to loans | 0.0314% | 2,402 |
| Credit loss provision to net charge-offs | 3,323.4924% | 300 |
| Earnings coverage of net charge-offs (x) | 90.4788% | 838 |
| Efficiency ratio | 46.0893% | 4,717 |
| Assets per employee ($millions) | 10.0181% | 529 |
| Cash dividends to net income (ytd only)* | 42.7222% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8881% | 743 |
| Loan loss allowance to noncurrent loans | 338.5879% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 2,151 |
| Noncurrent loans to loans | 0.5576% | 2,309 |
| Net loans and leases to total assets | 73.0072% | 1,156 |
| Net loans and leases to deposits | 87.9779% | 1,092 |
| Net loans and leases to core deposits | 94.3205% | 1,226 |
| Total domestic deposits to total assets | 82.9835% | 3,417 |
| Equity capital to assets | 12.3431% | 1,397 |
| Core capital (leverage) ratio | 10.3205% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7226% | 2,348 |
| Memoranda: | ||
| Average total assets | $8,235,732,600 | 172 |
| Average earning assets | $7,542,120,600 | 168 |
| Average equity | $1,027,384,800 | 163 |
| Average total loans | $6,064,154,400 | 167 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 2,732 |
| Cost of funding earning assets | 0.3789% | 3,919 |
| Net interest margin | 3.7000% | 1,940 |
| Noninterest income to average assets | 0.5559% | 2,369 |
| Noninterest expense to average assets | 1.8591% | 4,398 |
| Loan and lease loss provision to assets | 0.9485% | 158 |
| Net operating income to assets | 0.9028% | 2,694 |
| Return on assets (ROA) | 0.9080% | 2,798 |
| Pretax return on assets | 1.1391% | 2,606 |
| Return on Equity (ROE) | 7.2547% | 3,109 |
| Retained earnings to average equity (ytd only) | 3.8674% | 3,110 |
| Net charge-offs to loans | 0.0582% | 1,777 |
| Credit loss provision to net charge-offs | 2,149.0469% | 444 |
| Earnings coverage of net charge-offs (x) | 48.7399% | 1,210 |
| Efficiency ratio | 45.3519% | 4,743 |
| Assets per employee ($millions) | 10.2140% | 476 |
| Cash dividends to net income (ytd only)* | 46.6906% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0075% | 492 |
| Loan loss allowance to noncurrent loans | 342.5308% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 2,241 |
| Noncurrent loans to loans | 0.5861% | 2,333 |
| Net loans and leases to total assets | 72.1054% | 1,649 |
| Net loans and leases to deposits | 89.0038% | 1,368 |
| Net loans and leases to core deposits | 98.7251% | 1,265 |
| Total domestic deposits to total assets | 81.0139% | 3,662 |
| Equity capital to assets | 12.0537% | 1,641 |
| Core capital (leverage) ratio | 9.5234% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2929% | 2,500 |
| Memoranda: | ||
| Average total assets | $7,862,771,500 | 173 |
| Average earning assets | $7,191,991,250 | 171 |
| Average equity | $984,058,750 | 164 |
| Average total loans | $5,770,568,250 | 169 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 2,618 |
| Cost of funding earning assets | 0.4542% | 3,774 |
| Net interest margin | 3.7912% | 1,859 |
| Noninterest income to average assets | 0.5765% | 2,225 |
| Noninterest expense to average assets | 1.9271% | 4,371 |
| Loan and lease loss provision to assets | 1.0868% | 177 |
| Net operating income to assets | 0.8214% | 2,968 |
| Return on assets (ROA) | 0.8207% | 3,088 |
| Pretax return on assets | 1.0271% | 2,942 |
| Return on Equity (ROE) | 6.4710% | 3,342 |
| Retained earnings to average equity (ytd only) | 2.3759% | 3,616 |
| Net charge-offs to loans | 0.0528% | 1,736 |
| Credit loss provision to net charge-offs | 2,688.5312% | 386 |
| Earnings coverage of net charge-offs (x) | 54.6244% | 1,040 |
| Efficiency ratio | 45.8274% | 4,733 |
| Assets per employee ($millions) | 10.2127% | 469 |
| Cash dividends to net income (ytd only)* | 63.2831% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7912% | 666 |
| Loan loss allowance to noncurrent loans | 292.0827% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 2,304 |
| Noncurrent loans to loans | 0.6133% | 2,324 |
| Net loans and leases to total assets | 72.5480% | 1,615 |
| Net loans and leases to deposits | 89.1402% | 1,433 |
| Net loans and leases to core deposits | 99.1627% | 1,316 |
| Total domestic deposits to total assets | 81.3865% | 3,526 |
| Equity capital to assets | 11.8738% | 1,742 |
| Core capital (leverage) ratio | 9.4781% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0029% | 2,612 |
| Memoranda: | ||
| Average total assets | $7,702,088,000 | 174 |
| Average earning assets | $7,040,545,333 | 173 |
| Average equity | $976,791,000 | 166 |
| Average total loans | $5,647,311,333 | 172 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 2,200 |
| Cost of funding earning assets | 0.6599% | 3,115 |
| Net interest margin | 3.8772% | 1,742 |
| Noninterest income to average assets | 0.7046% | 1,635 |
| Noninterest expense to average assets | 2.0332% | 4,340 |
| Loan and lease loss provision to assets | 1.2057% | 150 |
| Net operating income to assets | 0.8072% | 2,883 |
| Return on assets (ROA) | 0.8050% | 2,982 |
| Pretax return on assets | 1.0018% | 2,837 |
| Return on Equity (ROE) | 6.1272% | 3,271 |
| Retained earnings to average equity (ytd only) | -2.1166% | 4,269 |
| Net charge-offs to loans | 0.0877% | 1,172 |
| Credit loss provision to net charge-offs | 1,833.8969% | 361 |
| Earnings coverage of net charge-offs (x) | 34.5021% | 1,103 |
| Efficiency ratio | 46.0094% | 4,829 |
| Assets per employee ($millions) | 9.1884% | 503 |
| Cash dividends to net income (ytd only)* | 134.5442% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 897 |
| Loan loss allowance to noncurrent loans | 276.0586% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 2,453 |
| Noncurrent loans to loans | 0.6109% | 2,459 |
| Net loans and leases to total assets | 71.8480% | 1,943 |
| Net loans and leases to deposits | 89.3124% | 1,595 |
| Net loans and leases to core deposits | 103.9680% | 1,188 |
| Total domestic deposits to total assets | 80.4457% | 3,768 |
| Equity capital to assets | 12.8742% | 1,509 |
| Core capital (leverage) ratio | 10.2476% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3672% | 2,985 |
| Memoranda: | ||
| Average total assets | $7,386,368,500 | 176 |
| Average earning assets | $6,741,855,500 | 175 |
| Average equity | $970,432,000 | 169 |
| Average total loans | $5,392,927,000 | 174 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8695% | 1,847 |
| Cost of funding earning assets | 0.9241% | 2,090 |
| Net interest margin | 3.9453% | 2,017 |
| Noninterest income to average assets | 0.6905% | 1,847 |
| Noninterest expense to average assets | 2.3403% | 3,847 |
| Loan and lease loss provision to assets | 0.0929% | 2,176 |
| Net operating income to assets | 1.4615% | 1,154 |
| Return on assets (ROA) | 1.4615% | 1,212 |
| Pretax return on assets | 1.8501% | 839 |
| Return on Equity (ROE) | 11.0656% | 1,857 |
| Retained earnings to average equity (ytd only) | 4.4421% | 2,740 |
| Net charge-offs to loans | 0.1308% | 1,462 |
| Credit loss provision to net charge-offs | 97.1341% | 2,552 |
| Earnings coverage of net charge-offs (x) | 20.3151% | 1,943 |
| Efficiency ratio | 52.7512% | 4,547 |
| Assets per employee ($millions) | 9.0601% | 496 |
| Cash dividends to net income (ytd only)* | 59.8563% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8137% | 4,263 |
| Loan loss allowance to noncurrent loans | 145.3154% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 2,430 |
| Noncurrent loans to loans | 0.5600% | 2,499 |
| Net loans and leases to total assets | 72.3479% | 2,032 |
| Net loans and leases to deposits | 90.9735% | 1,485 |
| Net loans and leases to core deposits | 104.8986% | 1,171 |
| Total domestic deposits to total assets | 79.5264% | 4,067 |
| Equity capital to assets | 13.4088% | 1,326 |
| Core capital (leverage) ratio | 10.3158% | 3,172 |
| Tier 1 risk-based capital ratio | 11.6957% | 4,527 |
| Total risk-based capital ratio | 12.4017% | 4,687 |
| Memoranda: | ||
| Average total assets | $6,858,770,000 | 180 |
| Average earning assets | $6,246,017,800 | 176 |
| Average equity | $905,870,600 | 173 |
| Average total loans | $5,014,652,000 | 177 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 1,716 |
| Cost of funding earning assets | 0.9637% | 1,918 |
| Net interest margin | 3.9717% | 2,045 |
| Noninterest income to average assets | 0.6566% | 1,961 |
| Noninterest expense to average assets | 2.4363% | 3,595 |
| Loan and lease loss provision to assets | 0.0994% | 1,936 |
| Net operating income to assets | 1.3632% | 1,603 |
| Return on assets (ROA) | 1.3646% | 1,661 |
| Pretax return on assets | 1.7331% | 1,239 |
| Return on Equity (ROE) | 10.3748% | 2,261 |
| Retained earnings to average equity (ytd only) | 5.1188% | 2,839 |
| Net charge-offs to loans | 0.1067% | 1,398 |
| Credit loss provision to net charge-offs | 127.3026% | 1,858 |
| Earnings coverage of net charge-offs (x) | 23.4532% | 1,831 |
| Efficiency ratio | 55.2465% | 4,250 |
| Assets per employee ($millions) | 9.0081% | 481 |
| Cash dividends to net income (ytd only)* | 50.6615% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 4,219 |
| Loan loss allowance to noncurrent loans | 219.8618% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 2,939 |
| Noncurrent loans to loans | 0.3872% | 3,160 |
| Net loans and leases to total assets | 70.9510% | 2,331 |
| Net loans and leases to deposits | 91.9608% | 1,440 |
| Net loans and leases to core deposits | 106.0660% | 1,177 |
| Total domestic deposits to total assets | 77.1535% | 4,495 |
| Equity capital to assets | 13.3684% | 1,425 |
| Core capital (leverage) ratio | 10.3837% | 3,219 |
| Tier 1 risk-based capital ratio | 11.7873% | 4,529 |
| Total risk-based capital ratio | 12.5251% | 4,677 |
| Memoranda: | ||
| Average total assets | $6,750,113,500 | 182 |
| Average earning assets | $6,136,261,000 | 178 |
| Average equity | $887,848,500 | 176 |
| Average total loans | $4,938,338,250 | 181 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 1,776 |
| Cost of funding earning assets | 0.9571% | 1,877 |
| Net interest margin | 3.9342% | 2,139 |
| Noninterest income to average assets | 0.6270% | 2,034 |
| Noninterest expense to average assets | 2.5664% | 3,285 |
| Loan and lease loss provision to assets | 0.0975% | 1,918 |
| Net operating income to assets | 1.2371% | 2,017 |
| Return on assets (ROA) | 1.2305% | 2,093 |
| Pretax return on assets | 1.5411% | 1,727 |
| Return on Equity (ROE) | 9.4128% | 2,678 |
| Retained earnings to average equity (ytd only) | 4.7500% | 2,889 |
| Net charge-offs to loans | 0.1179% | 1,252 |
| Credit loss provision to net charge-offs | 112.1318% | 1,824 |
| Earnings coverage of net charge-offs (x) | 18.9446% | 1,840 |
| Efficiency ratio | 59.1649% | 3,841 |
| Assets per employee ($millions) | 8.9700% | 470 |
| Cash dividends to net income (ytd only)* | 49.5368% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 4,265 |
| Loan loss allowance to noncurrent loans | 187.3536% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 2,636 |
| Noncurrent loans to loans | 0.4541% | 2,918 |
| Net loans and leases to total assets | 71.4374% | 2,298 |
| Net loans and leases to deposits | 91.5833% | 1,537 |
| Net loans and leases to core deposits | 106.9952% | 1,175 |
| Total domestic deposits to total assets | 78.0026% | 4,395 |
| Equity capital to assets | 13.3913% | 1,377 |
| Core capital (leverage) ratio | 10.3759% | 3,215 |
| Tier 1 risk-based capital ratio | 11.6996% | 4,574 |
| Total risk-based capital ratio | 12.4351% | 4,731 |
| Memoranda: | ||
| Average total assets | $6,561,970,000 | 183 |
| Average earning assets | $5,981,567,330 | 183 |
| Average equity | $857,851,000 | 179 |
| Average total loans | $4,839,686,000 | 183 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 2,253 |
| Cost of funding earning assets | 0.9401% | 1,835 |
| Net interest margin | 3.7529% | 2,700 |
| Noninterest income to average assets | 0.5812% | 2,137 |
| Noninterest expense to average assets | 2.3080% | 4,001 |
| Loan and lease loss provision to assets | 0.0942% | 1,849 |
| Net operating income to assets | 1.2896% | 1,739 |
| Return on assets (ROA) | 1.2759% | 1,836 |
| Pretax return on assets | 1.5963% | 1,481 |
| Return on Equity (ROE) | 9.8973% | 2,410 |
| Retained earnings to average equity (ytd only) | 4.9474% | 2,927 |
| Net charge-offs to loans | 0.1586% | 846 |
| Credit loss provision to net charge-offs | 79.4830% | 1,784 |
| Earnings coverage of net charge-offs (x) | 14.4098% | 1,794 |
| Efficiency ratio | 56.1444% | 4,313 |
| Assets per employee ($millions) | 10.6823% | 279 |
| Cash dividends to net income (ytd only)* | 50.0125% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 4,307 |
| Loan loss allowance to noncurrent loans | 229.8400% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 3,114 |
| Noncurrent loans to loans | 0.3737% | 3,247 |
| Net loans and leases to total assets | 71.9769% | 2,164 |
| Net loans and leases to deposits | 89.5850% | 1,677 |
| Net loans and leases to core deposits | 103.4818% | 1,351 |
| Total domestic deposits to total assets | 80.3448% | 4,107 |
| Equity capital to assets | 13.5204% | 1,205 |
| Core capital (leverage) ratio | 12.2100% | 1,654 |
| Tier 1 risk-based capital ratio | 11.9997% | 4,459 |
| Total risk-based capital ratio | 12.7505% | 4,638 |
| Memoranda: | ||
| Average total assets | $6,268,417,000 | 192 |
| Average earning assets | $5,736,199,500 | 189 |
| Average equity | $808,099,000 | 186 |
| Average total loans | $4,684,062,000 | 188 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 1,741 |
| Cost of funding earning assets | 0.7991% | 1,524 |
| Net interest margin | 3.9280% | 2,235 |
| Noninterest income to average assets | 0.6682% | 1,973 |
| Noninterest expense to average assets | 2.1072% | 4,547 |
| Loan and lease loss provision to assets | 0.1219% | 1,806 |
| Net operating income to assets | 1.7058% | 688 |
| Return on assets (ROA) | 1.7054% | 676 |
| Pretax return on assets | 2.0484% | 501 |
| Return on Equity (ROE) | 14.3435% | 967 |
| Retained earnings to average equity (ytd only) | 9.7132% | 676 |
| Net charge-offs to loans | 0.1356% | 1,397 |
| Credit loss provision to net charge-offs | 115.6484% | 2,243 |
| Earnings coverage of net charge-offs (x) | 20.5908% | 1,987 |
| Efficiency ratio | 48.1829% | 5,036 |
| Assets per employee ($millions) | 8.6545% | 519 |
| Cash dividends to net income (ytd only)* | 32.2813% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,699 |
| Loan loss allowance to noncurrent loans | 189.6114% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 2,890 |
| Noncurrent loans to loans | 0.5271% | 2,689 |
| Net loans and leases to total assets | 76.5620% | 1,507 |
| Net loans and leases to deposits | 93.5175% | 1,332 |
| Net loans and leases to core deposits | 110.5132% | 970 |
| Total domestic deposits to total assets | 81.8691% | 3,678 |
| Equity capital to assets | 12.1190% | 1,805 |
| Core capital (leverage) ratio | 10.5239% | 3,003 |
| Tier 1 risk-based capital ratio | 11.3752% | 4,780 |
| Total risk-based capital ratio | 12.2555% | 4,870 |
| Memoranda: | ||
| Average total assets | $5,449,409,200 | 209 |
| Average earning assets | $5,007,900,800 | 204 |
| Average equity | $647,911,200 | 205 |
| Average total loans | $4,237,701,600 | 194 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 1,834 |
| Cost of funding earning assets | 0.7560% | 1,561 |
| Net interest margin | 3.8937% | 2,328 |
| Noninterest income to average assets | 0.6416% | 2,111 |
| Noninterest expense to average assets | 2.1174% | 4,511 |
| Loan and lease loss provision to assets | 0.1116% | 1,814 |
| Net operating income to assets | 1.6599% | 818 |
| Return on assets (ROA) | 1.6599% | 826 |
| Pretax return on assets | 1.9856% | 643 |
| Return on Equity (ROE) | 14.0312% | 1,113 |
| Retained earnings to average equity (ytd only) | 9.3398% | 1,098 |
| Net charge-offs to loans | 0.0923% | 1,577 |
| Credit loss provision to net charge-offs | 155.1973% | 1,658 |
| Earnings coverage of net charge-offs (x) | 29.1684% | 1,641 |
| Efficiency ratio | 49.1224% | 4,991 |
| Assets per employee ($millions) | 8.5905% | 512 |
| Cash dividends to net income (ytd only)* | 33.4354% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,558 |
| Loan loss allowance to noncurrent loans | 242.5936% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 3,320 |
| Noncurrent loans to loans | 0.4267% | 3,132 |
| Net loans and leases to total assets | 76.8288% | 1,528 |
| Net loans and leases to deposits | 99.7836% | 807 |
| Net loans and leases to core deposits | 118.7912% | 616 |
| Total domestic deposits to total assets | 76.9953% | 4,644 |
| Equity capital to assets | 11.9365% | 1,951 |
| Core capital (leverage) ratio | 10.2739% | 3,329 |
| Tier 1 risk-based capital ratio | 11.0933% | 4,992 |
| Total risk-based capital ratio | 11.9951% | 5,051 |
| Memoranda: | ||
| Average total assets | $5,405,412,000 | 209 |
| Average earning assets | $4,960,253,250 | 206 |
| Average equity | $639,453,250 | 203 |
| Average total loans | $4,209,528,750 | 195 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 1,894 |
| Cost of funding earning assets | 0.6876% | 1,699 |
| Net interest margin | 3.8734% | 2,299 |
| Noninterest income to average assets | 0.6575% | 2,055 |
| Noninterest expense to average assets | 2.1140% | 4,569 |
| Loan and lease loss provision to assets | 0.0841% | 2,229 |
| Net operating income to assets | 1.6440% | 811 |
| Return on assets (ROA) | 1.6450% | 817 |
| Pretax return on assets | 2.0163% | 583 |
| Return on Equity (ROE) | 13.9481% | 1,083 |
| Retained earnings to average equity (ytd only) | 9.2151% | 1,148 |
| Net charge-offs to loans | 0.0223% | 2,430 |
| Credit loss provision to net charge-offs | 483.1197% | 725 |
| Earnings coverage of net charge-offs (x) | 120.5427% | 614 |
| Efficiency ratio | 49.0373% | 5,074 |
| Assets per employee ($millions) | 8.6870% | 490 |
| Cash dividends to net income (ytd only)* | 33.9328% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,610 |
| Loan loss allowance to noncurrent loans | 230.2423% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 3,302 |
| Noncurrent loans to loans | 0.4506% | 3,086 |
| Net loans and leases to total assets | 77.0970% | 1,452 |
| Net loans and leases to deposits | 99.2045% | 864 |
| Net loans and leases to core deposits | 119.0213% | 589 |
| Total domestic deposits to total assets | 77.7153% | 4,633 |
| Equity capital to assets | 11.7430% | 2,024 |
| Core capital (leverage) ratio | 10.0814% | 3,496 |
| Tier 1 risk-based capital ratio | 10.7716% | 5,161 |
| Total risk-based capital ratio | 11.6775% | 5,205 |
| Memoranda: | ||
| Average total assets | $5,374,576,670 | 209 |
| Average earning assets | $4,933,962,000 | 204 |
| Average equity | $633,851,670 | 202 |
| Average total loans | $4,189,982,330 | 194 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,892 |
| Cost of funding earning assets | 0.6230% | 1,897 |
| Net interest margin | 3.8712% | 2,155 |
| Noninterest income to average assets | 0.6867% | 1,891 |
| Noninterest expense to average assets | 2.1336% | 4,572 |
| Loan and lease loss provision to assets | 0.1408% | 1,339 |
| Net operating income to assets | 1.6439% | 770 |
| Return on assets (ROA) | 1.6454% | 773 |
| Pretax return on assets | 1.9695% | 615 |
| Return on Equity (ROE) | 13.9206% | 1,030 |
| Retained earnings to average equity (ytd only) | 10.7380% | 958 |
| Net charge-offs to loans | -0.0195% | 4,546 |
| Credit loss provision to net charge-offs | -926.2376% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1319% | 5,131 |
| Assets per employee ($millions) | 8.5541% | 519 |
| Cash dividends to net income (ytd only)* | 22.8624% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 3,573 |
| Loan loss allowance to noncurrent loans | 277.5878% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 3,605 |
| Noncurrent loans to loans | 0.3837% | 3,405 |
| Net loans and leases to total assets | 77.3373% | 1,336 |
| Net loans and leases to deposits | 96.5847% | 968 |
| Net loans and leases to core deposits | 118.1144% | 645 |
| Total domestic deposits to total assets | 80.0719% | 4,403 |
| Equity capital to assets | 11.8096% | 1,910 |
| Core capital (leverage) ratio | 9.9888% | 3,551 |
| Tier 1 risk-based capital ratio | 10.7110% | 5,278 |
| Total risk-based capital ratio | 11.6397% | 5,308 |
| Memoranda: | ||
| Average total assets | $5,316,766,000 | 208 |
| Average earning assets | $4,883,207,500 | 203 |
| Average equity | $628,419,500 | 204 |
| Average total loans | $4,146,399,000 | 194 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 1,875 |
| Cost of funding earning assets | 0.4428% | 2,849 |
| Net interest margin | 4.0086% | 1,721 |
| Noninterest income to average assets | 0.6870% | 2,023 |
| Noninterest expense to average assets | 2.2826% | 4,381 |
| Loan and lease loss provision to assets | 0.2056% | 997 |
| Net operating income to assets | 1.0408% | 2,089 |
| Return on assets (ROA) | 1.0411% | 2,119 |
| Pretax return on assets | 1.8768% | 638 |
| Return on Equity (ROE) | 8.8278% | 2,394 |
| Retained earnings to average equity (ytd only) | 5.3864% | 1,873 |
| Net charge-offs to loans | 0.2870% | 916 |
| Credit loss provision to net charge-offs | 92.4101% | 2,739 |
| Earnings coverage of net charge-offs (x) | 9.3590% | 2,800 |
| Efficiency ratio | 51.0861% | 5,161 |
| Assets per employee ($millions) | 8.2993% | 574 |
| Cash dividends to net income (ytd only)* | 38.9833% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 3,693 |
| Loan loss allowance to noncurrent loans | 224.9300% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 3,389 |
| Noncurrent loans to loans | 0.4617% | 3,126 |
| Net loans and leases to total assets | 76.9936% | 1,430 |
| Net loans and leases to deposits | 97.2500% | 972 |
| Net loans and leases to core deposits | 113.5828% | 816 |
| Total domestic deposits to total assets | 79.1708% | 4,505 |
| Equity capital to assets | 11.8298% | 1,963 |
| Core capital (leverage) ratio | 9.8979% | 3,585 |
| Tier 1 risk-based capital ratio | 10.4641% | 5,377 |
| Total risk-based capital ratio | 11.3581% | 5,444 |
| Memoranda: | ||
| Average total assets | $4,927,904,400 | 209 |
| Average earning assets | $4,520,810,000 | 207 |
| Average equity | $581,165,800 | 207 |
| Average total loans | $3,820,099,200 | 197 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 1,948 |
| Cost of funding earning assets | 0.4201% | 2,985 |
| Net interest margin | 3.9848% | 1,761 |
| Noninterest income to average assets | 0.6346% | 2,285 |
| Noninterest expense to average assets | 2.2886% | 4,329 |
| Loan and lease loss provision to assets | 0.1989% | 957 |
| Net operating income to assets | 1.2050% | 1,672 |
| Return on assets (ROA) | 1.2054% | 1,704 |
| Pretax return on assets | 1.8033% | 886 |
| Return on Equity (ROE) | 10.2293% | 2,028 |
| Retained earnings to average equity (ytd only) | 9.0609% | 819 |
| Net charge-offs to loans | 0.2646% | 819 |
| Credit loss provision to net charge-offs | 97.0703% | 2,358 |
| Earnings coverage of net charge-offs (x) | 9.7694% | 2,661 |
| Efficiency ratio | 52.1131% | 5,090 |
| Assets per employee ($millions) | 8.2742% | 571 |
| Cash dividends to net income (ytd only)* | 11.4215% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,670 |
| Loan loss allowance to noncurrent loans | 391.1874% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 4,180 |
| Noncurrent loans to loans | 0.2735% | 3,972 |
| Net loans and leases to total assets | 76.6173% | 1,481 |
| Net loans and leases to deposits | 98.0960% | 905 |
| Net loans and leases to core deposits | 113.9336% | 843 |
| Total domestic deposits to total assets | 78.1044% | 4,707 |
| Equity capital to assets | 12.1671% | 1,855 |
| Core capital (leverage) ratio | 10.3376% | 3,155 |
| Tier 1 risk-based capital ratio | 10.8150% | 5,339 |
| Total risk-based capital ratio | 11.7370% | 5,391 |
| Memoranda: | ||
| Average total assets | $4,842,359,000 | 214 |
| Average earning assets | $4,442,363,250 | 210 |
| Average equity | $570,597,250 | 211 |
| Average total loans | $3,750,072,750 | 200 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 1,912 |
| Cost of funding earning assets | 0.3928% | 3,141 |
| Net interest margin | 3.9774% | 1,685 |
| Noninterest income to average assets | 0.6257% | 2,343 |
| Noninterest expense to average assets | 2.3947% | 4,063 |
| Loan and lease loss provision to assets | 0.2035% | 895 |
| Net operating income to assets | 1.1234% | 1,880 |
| Return on assets (ROA) | 1.1234% | 1,931 |
| Pretax return on assets | 1.6772% | 1,111 |
| Return on Equity (ROE) | 9.6490% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.6490% | 660 |
| Net charge-offs to loans | 0.3509% | 573 |
| Credit loss provision to net charge-offs | 74.8869% | 2,326 |
| Earnings coverage of net charge-offs (x) | 6.9214% | 2,658 |
| Efficiency ratio | 54.8149% | 4,943 |
| Assets per employee ($millions) | 8.0271% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,731 |
| Loan loss allowance to noncurrent loans | 287.7728% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 3,928 |
| Noncurrent loans to loans | 0.3725% | 3,691 |
| Net loans and leases to total assets | 77.0080% | 1,379 |
| Net loans and leases to deposits | 97.9257% | 899 |
| Net loans and leases to core deposits | 114.4019% | 782 |
| Total domestic deposits to total assets | 78.6392% | 4,702 |
| Equity capital to assets | 12.4336% | 1,655 |
| Core capital (leverage) ratio | 10.2541% | 3,196 |
| Tier 1 risk-based capital ratio | 11.0243% | 5,236 |
| Total risk-based capital ratio | 11.9473% | 5,317 |
| Memoranda: | ||
| Average total assets | $4,718,892,000 | 218 |
| Average earning assets | $4,330,118,330 | 214 |
| Average equity | $549,382,000 | 219 |
| Average total loans | $3,654,407,330 | 205 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 2,517 |
| Cost of funding earning assets | 0.3725% | 3,281 |
| Net interest margin | 3.7671% | 2,233 |
| Noninterest income to average assets | 0.5963% | 2,438 |
| Noninterest expense to average assets | 2.1897% | 4,674 |
| Loan and lease loss provision to assets | 0.1211% | 1,583 |
| Net operating income to assets | 1.2069% | 1,491 |
| Return on assets (ROA) | 1.2069% | 1,526 |
| Pretax return on assets | 1.7418% | 918 |
| Return on Equity (ROE) | 10.7670% | 1,652 |
| Retained earnings to average equity (ytd only) | 10.7670% | 652 |
| Net charge-offs to loans | 0.0191% | 2,410 |
| Credit loss provision to net charge-offs | 819.5266% | 380 |
| Earnings coverage of net charge-offs (x) | 126.0473% | 435 |
| Efficiency ratio | 53.0696% | 5,199 |
| Assets per employee ($millions) | 7.6307% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 3,440 |
| Loan loss allowance to noncurrent loans | 385.4959% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 4,068 |
| Noncurrent loans to loans | 0.2971% | 4,052 |
| Net loans and leases to total assets | 75.6792% | 1,462 |
| Net loans and leases to deposits | 95.0034% | 1,017 |
| Net loans and leases to core deposits | 111.2970% | 811 |
| Total domestic deposits to total assets | 79.6595% | 4,689 |
| Equity capital to assets | 11.9561% | 1,872 |
| Core capital (leverage) ratio | 11.0526% | 2,310 |
| Tier 1 risk-based capital ratio | 10.7838% | 5,418 |
| Total risk-based capital ratio | 11.7674% | 5,454 |
| Memoranda: | ||
| Average total assets | $4,573,886,000 | 223 |
| Average earning assets | $4,196,618,000 | 222 |
| Average equity | $512,679,000 | 224 |
| Average total loans | $3,532,083,500 | 212 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 2,463 |
| Cost of funding earning assets | 0.3329% | 3,716 |
| Net interest margin | 3.8747% | 2,048 |
| Noninterest income to average assets | 0.7447% | 1,974 |
| Noninterest expense to average assets | 2.1267% | 4,953 |
| Loan and lease loss provision to assets | 0.0950% | 2,467 |
| Net operating income to assets | 1.3734% | 1,056 |
| Return on assets (ROA) | 1.3749% | 1,104 |
| Pretax return on assets | 2.1213% | 380 |
| Return on Equity (ROE) | 13.1489% | 960 |
| Retained earnings to average equity (ytd only) | 11.2596% | 281 |
| Net charge-offs to loans | 0.1275% | 1,971 |
| Credit loss provision to net charge-offs | 94.5698% | 2,713 |
| Earnings coverage of net charge-offs (x) | 22.0496% | 1,751 |
| Efficiency ratio | 48.4335% | 5,555 |
| Assets per employee ($millions) | 8.4720% | 508 |
| Cash dividends to net income (ytd only)* | 14.3686% | 3,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 2,220 |
| Loan loss allowance to noncurrent loans | 343.5343% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 3,941 |
| Noncurrent loans to loans | 0.3989% | 3,720 |
| Net loans and leases to total assets | 76.9895% | 1,366 |
| Net loans and leases to deposits | 93.5856% | 1,240 |
| Net loans and leases to core deposits | 112.0321% | 784 |
| Total domestic deposits to total assets | 82.2664% | 4,005 |
| Equity capital to assets | 10.2716% | 3,422 |
| Core capital (leverage) ratio | 9.8142% | 3,723 |
| Tier 1 risk-based capital ratio | 10.3684% | 5,626 |
| Total risk-based capital ratio | 11.5319% | 5,605 |
| Memoranda: | ||
| Average total assets | $3,796,484,000 | 250 |
| Average earning assets | $3,523,331,600 | 243 |
| Average equity | $396,969,600 | 258 |
| Average total loans | $2,989,048,400 | 230 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 2,501 |
| Cost of funding earning assets | 0.3308% | 3,769 |
| Net interest margin | 3.8721% | 2,079 |
| Noninterest income to average assets | 0.6916% | 2,205 |
| Noninterest expense to average assets | 2.1335% | 4,928 |
| Loan and lease loss provision to assets | 0.1066% | 2,151 |
| Net operating income to assets | 1.3198% | 1,233 |
| Return on assets (ROA) | 1.3218% | 1,315 |
| Pretax return on assets | 2.0463% | 515 |
| Return on Equity (ROE) | 12.5805% | 1,153 |
| Retained earnings to average equity (ytd only) | 10.0296% | 571 |
| Net charge-offs to loans | 0.1209% | 1,748 |
| Credit loss provision to net charge-offs | 111.8022% | 2,203 |
| Earnings coverage of net charge-offs (x) | 22.5410% | 1,752 |
| Efficiency ratio | 49.2100% | 5,545 |
| Assets per employee ($millions) | 8.2552% | 530 |
| Cash dividends to net income (ytd only)* | 20.2768% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 2,106 |
| Loan loss allowance to noncurrent loans | 248.5207% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 3,340 |
| Noncurrent loans to loans | 0.5716% | 3,285 |
| Net loans and leases to total assets | 78.2478% | 1,151 |
| Net loans and leases to deposits | 97.2403% | 931 |
| Net loans and leases to core deposits | 117.7953% | 580 |
| Total domestic deposits to total assets | 80.4685% | 4,402 |
| Equity capital to assets | 10.4718% | 3,597 |
| Core capital (leverage) ratio | 9.8868% | 3,711 |
| Tier 1 risk-based capital ratio | 10.0883% | 5,766 |
| Total risk-based capital ratio | 11.2811% | 5,737 |
| Memoranda: | ||
| Average total assets | $3,731,078,750 | 253 |
| Average earning assets | $3,460,973,750 | 246 |
| Average equity | $392,004,250 | 261 |
| Average total loans | $2,944,379,750 | 232 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,461 |
| Cost of funding earning assets | 0.3235% | 3,861 |
| Net interest margin | 3.8929% | 2,002 |
| Noninterest income to average assets | 0.6871% | 2,201 |
| Noninterest expense to average assets | 2.1818% | 4,885 |
| Loan and lease loss provision to assets | 0.0620% | 2,893 |
| Net operating income to assets | 1.3333% | 1,203 |
| Return on assets (ROA) | 1.3333% | 1,285 |
| Pretax return on assets | 2.0620% | 505 |
| Return on Equity (ROE) | 12.6751% | 1,111 |
| Retained earnings to average equity (ytd only) | 10.0889% | 576 |
| Net charge-offs to loans | 0.0488% | 2,504 |
| Credit loss provision to net charge-offs | 161.2447% | 1,522 |
| Earnings coverage of net charge-offs (x) | 55.2192% | 926 |
| Efficiency ratio | 50.0550% | 5,555 |
| Assets per employee ($millions) | 7.9916% | 568 |
| Cash dividends to net income (ytd only)* | 20.4040% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,890 |
| Loan loss allowance to noncurrent loans | 414.1111% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 3,841 |
| Noncurrent loans to loans | 0.3606% | 4,077 |
| Net loans and leases to total assets | 77.7003% | 1,241 |
| Net loans and leases to deposits | 95.5453% | 1,124 |
| Net loans and leases to core deposits | 116.1973% | 633 |
| Total domestic deposits to total assets | 81.3230% | 4,180 |
| Equity capital to assets | 10.6654% | 3,446 |
| Core capital (leverage) ratio | 9.8184% | 3,788 |
| Tier 1 risk-based capital ratio | 10.1918% | 5,793 |
| Total risk-based capital ratio | 11.4336% | 5,733 |
| Memoranda: | ||
| Average total assets | $3,675,955,000 | 256 |
| Average earning assets | $3,417,140,670 | 251 |
| Average equity | $386,662,330 | 264 |
| Average total loans | $2,894,900,670 | 236 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 2,450 |
| Cost of funding earning assets | 0.3153% | 4,004 |
| Net interest margin | 3.8890% | 1,965 |
| Noninterest income to average assets | 0.6265% | 2,382 |
| Noninterest expense to average assets | 2.1615% | 4,998 |
| Loan and lease loss provision to assets | 0.0834% | 2,285 |
| Net operating income to assets | 1.2837% | 1,297 |
| Return on assets (ROA) | 1.2837% | 1,383 |
| Pretax return on assets | 1.9877% | 583 |
| Return on Equity (ROE) | 12.2918% | 1,218 |
| Retained earnings to average equity (ytd only) | 9.6640% | 935 |
| Net charge-offs to loans | 0.0605% | 1,897 |
| Credit loss provision to net charge-offs | 175.1152% | 1,172 |
| Earnings coverage of net charge-offs (x) | 43.4724% | 961 |
| Efficiency ratio | 50.4383% | 5,606 |
| Assets per employee ($millions) | 7.9900% | 571 |
| Cash dividends to net income (ytd only)* | 21.3785% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,922 |
| Loan loss allowance to noncurrent loans | 424.3144% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 3,422 |
| Noncurrent loans to loans | 0.3568% | 4,154 |
| Net loans and leases to total assets | 77.4386% | 1,177 |
| Net loans and leases to deposits | 96.8628% | 859 |
| Net loans and leases to core deposits | 108.1875% | 963 |
| Total domestic deposits to total assets | 79.9467% | 4,759 |
| Equity capital to assets | 10.4838% | 3,517 |
| Core capital (leverage) ratio | 9.7774% | 3,806 |
| Tier 1 risk-based capital ratio | 10.0346% | 5,904 |
| Total risk-based capital ratio | 11.2847% | 5,851 |
| Memoranda: | ||
| Average total assets | $3,643,889,000 | 257 |
| Average earning assets | $3,378,841,000 | 251 |
| Average equity | $380,545,000 | 266 |
| Average total loans | $2,867,297,500 | 237 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 2,433 |
| Cost of funding earning assets | 0.3474% | 3,728 |
| Net interest margin | 3.8885% | 2,070 |
| Noninterest income to average assets | 0.5446% | 3,046 |
| Noninterest expense to average assets | 2.2972% | 4,797 |
| Loan and lease loss provision to assets | 0.0135% | 4,135 |
| Net operating income to assets | 1.1955% | 1,568 |
| Return on assets (ROA) | 1.1959% | 1,637 |
| Pretax return on assets | 1.8344% | 748 |
| Return on Equity (ROE) | 11.1719% | 1,555 |
| Retained earnings to average equity (ytd only) | 8.4175% | 801 |
| Net charge-offs to loans | 0.0921% | 2,513 |
| Credit loss provision to net charge-offs | 18.7936% | 3,759 |
| Earnings coverage of net charge-offs (x) | 25.7082% | 1,622 |
| Efficiency ratio | 54.6541% | 5,477 |
| Assets per employee ($millions) | 7.8353% | 609 |
| Cash dividends to net income (ytd only)* | 24.6548% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,829 |
| Loan loss allowance to noncurrent loans | 346.4887% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 3,343 |
| Noncurrent loans to loans | 0.4445% | 3,878 |
| Net loans and leases to total assets | 77.5354% | 1,186 |
| Net loans and leases to deposits | 99.5786% | 705 |
| Net loans and leases to core deposits | 106.3608% | 1,079 |
| Total domestic deposits to total assets | 77.8636% | 5,195 |
| Equity capital to assets | 10.4019% | 3,487 |
| Core capital (leverage) ratio | 9.8439% | 3,719 |
| Tier 1 risk-based capital ratio | 9.7387% | 6,012 |
| Total risk-based capital ratio | 10.9797% | 5,987 |
| Memoranda: | ||
| Average total assets | $3,391,596,400 | 253 |
| Average earning assets | $3,139,869,800 | 248 |
| Average equity | $363,055,000 | 265 |
| Average total loans | $2,646,664,600 | 237 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2211% | 2,510 |
| Cost of funding earning assets | 0.3558% | 3,687 |
| Net interest margin | 3.8653% | 2,137 |
| Noninterest income to average assets | 0.4950% | 3,405 |
| Noninterest expense to average assets | 2.2342% | 4,954 |
| Loan and lease loss provision to assets | 0.0332% | 3,563 |
| Net operating income to assets | 1.1715% | 1,744 |
| Return on assets (ROA) | 1.1721% | 1,816 |
| Pretax return on assets | 1.8049% | 892 |
| Return on Equity (ROE) | 10.8667% | 1,758 |
| Retained earnings to average equity (ytd only) | 10.8667% | 492 |
| Net charge-offs to loans | 0.1455% | 1,672 |
| Credit loss provision to net charge-offs | 29.3268% | 3,276 |
| Earnings coverage of net charge-offs (x) | 16.2242% | 2,132 |
| Efficiency ratio | 54.0499% | 5,510 |
| Assets per employee ($millions) | 7.7010% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 1,720 |
| Loan loss allowance to noncurrent loans | 287.9889% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 3,240 |
| Noncurrent loans to loans | 0.5626% | 3,653 |
| Net loans and leases to total assets | 75.6985% | 1,432 |
| Net loans and leases to deposits | 93.5975% | 1,247 |
| Net loans and leases to core deposits | 104.8803% | 1,174 |
| Total domestic deposits to total assets | 80.8766% | 4,504 |
| Equity capital to assets | 10.7443% | 3,311 |
| Core capital (leverage) ratio | 10.1507% | 3,436 |
| Tier 1 risk-based capital ratio | 10.6440% | 5,825 |
| Total risk-based capital ratio | 11.8953% | 5,753 |
| Memoranda: | ||
| Average total assets | $3,340,398,000 | 260 |
| Average earning assets | $3,090,684,000 | 256 |
| Average equity | $360,295,500 | 271 |
| Average total loans | $2,600,307,500 | 240 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,341 |
| Cost of funding earning assets | 0.3598% | 3,704 |
| Net interest margin | 3.8933% | 2,001 |
| Noninterest income to average assets | 0.5020% | 3,359 |
| Noninterest expense to average assets | 2.2571% | 4,956 |
| Loan and lease loss provision to assets | 0.0280% | 3,567 |
| Net operating income to assets | 1.1619% | 1,742 |
| Return on assets (ROA) | 1.1628% | 1,808 |
| Pretax return on assets | 1.8141% | 872 |
| Return on Equity (ROE) | 10.7659% | 1,760 |
| Retained earnings to average equity (ytd only) | 10.7659% | 535 |
| Net charge-offs to loans | 0.2098% | 1,205 |
| Credit loss provision to net charge-offs | 17.0623% | 3,045 |
| Earnings coverage of net charge-offs (x) | 11.2259% | 2,311 |
| Efficiency ratio | 54.2359% | 5,564 |
| Assets per employee ($millions) | 7.3501% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 1,761 |
| Loan loss allowance to noncurrent loans | 199.9677% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9406% | 2,654 |
| Noncurrent loans to loans | 0.8227% | 3,065 |
| Net loans and leases to total assets | 77.3447% | 1,157 |
| Net loans and leases to deposits | 95.6998% | 988 |
| Net loans and leases to core deposits | 106.4961% | 1,048 |
| Total domestic deposits to total assets | 80.8201% | 4,662 |
| Equity capital to assets | 10.8508% | 3,052 |
| Core capital (leverage) ratio | 10.1647% | 3,382 |
| Tier 1 risk-based capital ratio | 10.7154% | 5,837 |
| Total risk-based capital ratio | 11.9673% | 5,772 |
| Memoranda: | ||
| Average total assets | $3,288,439,000 | 262 |
| Average earning assets | $3,037,117,330 | 259 |
| Average equity | $355,176,670 | 276 |
| Average total loans | $2,570,337,670 | 242 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,236 |
| Cost of funding earning assets | 0.3658% | 3,686 |
| Net interest margin | 3.8945% | 1,917 |
| Noninterest income to average assets | 0.4340% | 3,741 |
| Noninterest expense to average assets | 2.2971% | 4,891 |
| Loan and lease loss provision to assets | -0.2076% | 6,269 |
| Net operating income to assets | 1.2462% | 1,416 |
| Return on assets (ROA) | 1.2480% | 1,498 |
| Pretax return on assets | 1.9403% | 663 |
| Return on Equity (ROE) | 11.5820% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.5820% | 630 |
| Net charge-offs to loans | 0.3140% | 758 |
| Credit loss provision to net charge-offs | -84.8394% | 4,465 |
| Earnings coverage of net charge-offs (x) | 7.0713% | 2,211 |
| Efficiency ratio | 56.1743% | 5,501 |
| Assets per employee ($millions) | 7.2674% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 1,879 |
| Loan loss allowance to noncurrent loans | 151.1631% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 2,574 |
| Noncurrent loans to loans | 1.0924% | 2,578 |
| Net loans and leases to total assets | 76.6738% | 1,111 |
| Net loans and leases to deposits | 92.7853% | 1,108 |
| Net loans and leases to core deposits | 104.6515% | 1,022 |
| Total domestic deposits to total assets | 82.6358% | 4,296 |
| Equity capital to assets | 10.9606% | 3,014 |
| Core capital (leverage) ratio | 10.0148% | 3,577 |
| Tier 1 risk-based capital ratio | 10.8629% | 5,870 |
| Total risk-based capital ratio | 12.1150% | 5,797 |
| Memoranda: | ||
| Average total assets | $3,256,833,000 | 261 |
| Average earning assets | $3,004,746,000 | 260 |
| Average equity | $350,924,000 | 273 |
| Average total loans | $2,537,664,500 | 241 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 1,653 |
| Cost of funding earning assets | 0.4473% | 3,195 |
| Net interest margin | 4.1169% | 1,521 |
| Noninterest income to average assets | 0.4980% | 3,531 |
| Noninterest expense to average assets | 2.6014% | 4,215 |
| Loan and lease loss provision to assets | 0.1729% | 1,500 |
| Net operating income to assets | 0.9513% | 2,626 |
| Return on assets (ROA) | 0.9513% | 2,705 |
| Pretax return on assets | 1.4539% | 1,713 |
| Return on Equity (ROE) | 9.0096% | 2,580 |
| Retained earnings to average equity (ytd only) | 6.0275% | 1,911 |
| Net charge-offs to loans | 0.1102% | 2,939 |
| Credit loss provision to net charge-offs | 209.2988% | 1,184 |
| Earnings coverage of net charge-offs (x) | 19.6890% | 1,768 |
| Efficiency ratio | 60.5910% | 5,131 |
| Assets per employee ($millions) | 7.2077% | 756 |
| Cash dividends to net income (ytd only)* | 33.0983% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 1,542 |
| Loan loss allowance to noncurrent loans | 144.2150% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 2,355 |
| Noncurrent loans to loans | 1.2462% | 2,369 |
| Net loans and leases to total assets | 76.4756% | 1,200 |
| Net loans and leases to deposits | 99.2804% | 665 |
| Net loans and leases to core deposits | 108.7745% | 839 |
| Total domestic deposits to total assets | 77.0300% | 5,600 |
| Equity capital to assets | 10.5896% | 3,371 |
| Core capital (leverage) ratio | 9.7119% | 3,960 |
| Tier 1 risk-based capital ratio | 11.2499% | 5,793 |
| Total risk-based capital ratio | 12.5051% | 5,717 |
| Memoranda: | ||
| Average total assets | $3,175,803,200 | 258 |
| Average earning assets | $2,877,529,800 | 256 |
| Average equity | $335,343,600 | 268 |
| Average total loans | $2,382,020,400 | 238 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 1,709 |
| Cost of funding earning assets | 0.4523% | 3,223 |
| Net interest margin | 4.0959% | 1,590 |
| Noninterest income to average assets | 0.4686% | 3,743 |
| Noninterest expense to average assets | 2.4957% | 4,542 |
| Loan and lease loss provision to assets | 0.1436% | 1,746 |
| Net operating income to assets | 1.0010% | 2,448 |
| Return on assets (ROA) | 1.0010% | 2,511 |
| Pretax return on assets | 1.5231% | 1,572 |
| Return on Equity (ROE) | 9.4864% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.4864% | 843 |
| Net charge-offs to loans | 0.1013% | 2,786 |
| Credit loss provision to net charge-offs | 190.7917% | 1,317 |
| Earnings coverage of net charge-offs (x) | 22.1460% | 1,645 |
| Efficiency ratio | 58.9789% | 5,315 |
| Assets per employee ($millions) | 6.9817% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 1,611 |
| Loan loss allowance to noncurrent loans | 151.7695% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.2632% | 2,440 |
| Noncurrent loans to loans | 1.2105% | 2,621 |
| Net loans and leases to total assets | 74.2604% | 1,478 |
| Net loans and leases to deposits | 94.0267% | 1,040 |
| Net loans and leases to core deposits | 104.6950% | 1,054 |
| Total domestic deposits to total assets | 78.9780% | 5,333 |
| Equity capital to assets | 10.8616% | 3,114 |
| Core capital (leverage) ratio | 9.9803% | 3,709 |
| Tier 1 risk-based capital ratio | 11.7736% | 5,626 |
| Total risk-based capital ratio | 13.0288% | 5,546 |
| Memoranda: | ||
| Average total assets | $3,155,284,500 | 257 |
| Average earning assets | $2,845,512,000 | 254 |
| Average equity | $332,930,750 | 267 |
| Average total loans | $2,343,256,000 | 238 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 1,330 |
| Cost of funding earning assets | 0.4540% | 3,286 |
| Net interest margin | 4.2255% | 1,189 |
| Noninterest income to average assets | 0.4521% | 3,859 |
| Noninterest expense to average assets | 2.4710% | 4,663 |
| Loan and lease loss provision to assets | 0.3314% | 563 |
| Net operating income to assets | 0.9567% | 2,524 |
| Return on assets (ROA) | 0.9567% | 2,615 |
| Pretax return on assets | 1.4478% | 1,721 |
| Return on Equity (ROE) | 9.1580% | 2,523 |
| Retained earnings to average equity (ytd only) | 9.1580% | 934 |
| Net charge-offs to loans | 0.1703% | 2,033 |
| Credit loss provision to net charge-offs | 263.7468% | 955 |
| Earnings coverage of net charge-offs (x) | 14.1595% | 1,927 |
| Efficiency ratio | 57.1636% | 5,644 |
| Assets per employee ($millions) | 6.8329% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9352% | 1,494 |
| Loan loss allowance to noncurrent loans | 151.4416% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.6087% | 2,037 |
| Noncurrent loans to loans | 1.2778% | 2,671 |
| Net loans and leases to total assets | 73.7793% | 1,468 |
| Net loans and leases to deposits | 94.1339% | 949 |
| Net loans and leases to core deposits | 105.6213% | 920 |
| Total domestic deposits to total assets | 78.3770% | 5,570 |
| Equity capital to assets | 10.7298% | 3,168 |
| Core capital (leverage) ratio | 9.8620% | 3,796 |
| Tier 1 risk-based capital ratio | 11.7561% | 5,662 |
| Total risk-based capital ratio | 13.0127% | 5,599 |
| Memoranda: | ||
| Average total assets | $3,143,496,330 | 254 |
| Average earning assets | $2,825,571,330 | 255 |
| Average equity | $328,389,000 | 267 |
| Average total loans | $2,319,763,670 | 236 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7994% | 1,044 |
| Cost of funding earning assets | 0.4532% | 3,396 |
| Net interest margin | 4.3462% | 904 |
| Noninterest income to average assets | 0.5059% | 3,365 |
| Noninterest expense to average assets | 2.4646% | 4,742 |
| Loan and lease loss provision to assets | 0.5523% | 248 |
| Net operating income to assets | 0.9245% | 2,528 |
| Return on assets (ROA) | 0.9245% | 2,602 |
| Pretax return on assets | 1.4010% | 1,742 |
| Return on Equity (ROE) | 8.9721% | 2,478 |
| Retained earnings to average equity (ytd only) | 8.9721% | 1,259 |
| Net charge-offs to loans | 0.1117% | 2,061 |
| Credit loss provision to net charge-offs | 676.7188% | 417 |
| Earnings coverage of net charge-offs (x) | 23.9344% | 1,206 |
| Efficiency ratio | 54.8462% | 5,937 |
| Assets per employee ($millions) | 6.7282% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0142% | 1,491 |
| Loan loss allowance to noncurrent loans | 146.0374% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.8157% | 1,927 |
| Noncurrent loans to loans | 1.3792% | 2,722 |
| Net loans and leases to total assets | 72.3326% | 1,528 |
| Net loans and leases to deposits | 91.7144% | 981 |
| Net loans and leases to core deposits | 103.7924% | 872 |
| Total domestic deposits to total assets | 78.8672% | 5,708 |
| Equity capital to assets | 10.4977% | 3,248 |
| Core capital (leverage) ratio | 9.7326% | 3,950 |
| Tier 1 risk-based capital ratio | 11.7228% | 5,801 |
| Total risk-based capital ratio | 12.9802% | 5,735 |
| Memoranda: | ||
| Average total assets | $3,136,845,500 | 255 |
| Average earning assets | $2,823,533,500 | 253 |
| Average equity | $323,224,500 | 265 |
| Average total loans | $2,292,132,500 | 239 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4054% | 429 |
| Cost of funding earning assets | 0.5270% | 3,330 |
| Net interest margin | 4.8784% | 377 |
| Noninterest income to average assets | 0.2726% | 5,405 |
| Noninterest expense to average assets | 2.7186% | 4,030 |
| Loan and lease loss provision to assets | 0.1225% | 2,781 |
| Net operating income to assets | 1.1761% | 1,659 |
| Return on assets (ROA) | 1.2029% | 1,628 |
| Pretax return on assets | 1.8471% | 683 |
| Return on Equity (ROE) | 12.0018% | 1,419 |
| Retained earnings to average equity (ytd only) | 8.8310% | 812 |
| Net charge-offs to loans | 0.3070% | 2,148 |
| Credit loss provision to net charge-offs | 55.0321% | 3,703 |
| Earnings coverage of net charge-offs (x) | 8.6625% | 2,631 |
| Efficiency ratio | 57.1988% | 5,826 |
| Assets per employee ($millions) | 6.9270% | 801 |
| Cash dividends to net income (ytd only)* | 26.4194% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 1,842 |
| Loan loss allowance to noncurrent loans | 106.8977% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 2.0059% | 1,788 |
| Noncurrent loans to loans | 1.7533% | 2,300 |
| Net loans and leases to total assets | 70.9745% | 1,845 |
| Net loans and leases to deposits | 87.6629% | 1,502 |
| Net loans and leases to core deposits | 99.4114% | 1,202 |
| Total domestic deposits to total assets | 80.9629% | 5,190 |
| Equity capital to assets | 10.1124% | 3,619 |
| Core capital (leverage) ratio | 9.3125% | 4,531 |
| Tier 1 risk-based capital ratio | 11.7427% | 5,781 |
| Total risk-based capital ratio | 12.9988% | 5,707 |
| Memoranda: | ||
| Average total assets | $3,146,641,400 | 244 |
| Average earning assets | $2,821,565,000 | 241 |
| Average equity | $315,377,000 | 265 |
| Average total loans | $2,281,426,800 | 226 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5100% | 369 |
| Cost of funding earning assets | 0.5373% | 3,387 |
| Net interest margin | 4.9727% | 336 |
| Noninterest income to average assets | 0.1571% | 6,247 |
| Noninterest expense to average assets | 2.4805% | 4,785 |
| Loan and lease loss provision to assets | -0.0129% | 6,471 |
| Net operating income to assets | 1.3783% | 1,153 |
| Return on assets (ROA) | 1.4140% | 1,122 |
| Pretax return on assets | 2.1922% | 397 |
| Return on Equity (ROE) | 14.1400% | 968 |
| Retained earnings to average equity (ytd only) | 14.1400% | 244 |
| Net charge-offs to loans | 0.3121% | 1,980 |
| Credit loss provision to net charge-offs | -5.7105% | 5,589 |
| Earnings coverage of net charge-offs (x) | 9.3829% | 2,489 |
| Efficiency ratio | 52.4500% | 6,224 |
| Assets per employee ($millions) | 6.7624% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 2,415 |
| Loan loss allowance to noncurrent loans | 88.8102% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 2.3891% | 1,635 |
| Noncurrent loans to loans | 1.9850% | 2,265 |
| Net loans and leases to total assets | 72.5430% | 1,520 |
| Net loans and leases to deposits | 91.2776% | 1,038 |
| Net loans and leases to core deposits | 104.5533% | 849 |
| Total domestic deposits to total assets | 79.4752% | 5,635 |
| Equity capital to assets | 10.5690% | 3,198 |
| Core capital (leverage) ratio | 9.7465% | 4,037 |
| Tier 1 risk-based capital ratio | 11.9112% | 5,829 |
| Total risk-based capital ratio | 13.1864% | 5,754 |
| Memoranda: | ||
| Average total assets | $3,145,354,250 | 238 |
| Average earning assets | $2,813,287,750 | 240 |
| Average equity | $314,541,000 | 264 |
| Average total loans | $2,281,860,000 | 224 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6049% | 316 |
| Cost of funding earning assets | 0.5486% | 3,429 |
| Net interest margin | 5.0562% | 283 |
| Noninterest income to average assets | 0.0395% | 6,698 |
| Noninterest expense to average assets | 2.4608% | 4,868 |
| Loan and lease loss provision to assets | -0.1558% | 6,757 |
| Net operating income to assets | 1.4591% | 964 |
| Return on assets (ROA) | 1.4868% | 994 |
| Pretax return on assets | 2.3174% | 340 |
| Return on Equity (ROE) | 15.1485% | 784 |
| Retained earnings to average equity (ytd only) | 15.1485% | 228 |
| Net charge-offs to loans | 0.4163% | 1,554 |
| Credit loss provision to net charge-offs | -51.8846% | 5,542 |
| Earnings coverage of net charge-offs (x) | 7.0560% | 2,605 |
| Efficiency ratio | 52.4560% | 6,259 |
| Assets per employee ($millions) | 6.8074% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 2,721 |
| Loan loss allowance to noncurrent loans | 86.0596% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 2.2977% | 1,882 |
| Noncurrent loans to loans | 1.9936% | 2,408 |
| Net loans and leases to total assets | 71.9821% | 1,580 |
| Net loans and leases to deposits | 93.1861% | 865 |
| Net loans and leases to core deposits | 106.3970% | 722 |
| Total domestic deposits to total assets | 77.2455% | 6,091 |
| Equity capital to assets | 10.2771% | 3,568 |
| Core capital (leverage) ratio | 9.2576% | 4,613 |
| Tier 1 risk-based capital ratio | 11.5809% | 6,068 |
| Total risk-based capital ratio | 12.8556% | 6,007 |
| Memoranda: | ||
| Average total assets | $3,163,662,000 | 239 |
| Average earning assets | $2,840,430,670 | 236 |
| Average equity | $310,512,330 | 266 |
| Average total loans | $2,281,772,330 | 222 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 243 |
| Cost of funding earning assets | 0.5571% | 3,503 |
| Net interest margin | 5.2216% | 194 |
| Noninterest income to average assets | 0.2861% | 5,417 |
| Noninterest expense to average assets | 2.3346% | 5,324 |
| Loan and lease loss provision to assets | 0.5125% | 522 |
| Net operating income to assets | 1.3768% | 1,078 |
| Return on assets (ROA) | 1.4314% | 1,059 |
| Pretax return on assets | 2.2260% | 394 |
| Return on Equity (ROE) | 14.9205% | 786 |
| Retained earnings to average equity (ytd only) | 14.9205% | 362 |
| Net charge-offs to loans | 0.7006% | 874 |
| Credit loss provision to net charge-offs | 102.1885% | 1,796 |
| Earnings coverage of net charge-offs (x) | 5.2902% | 2,379 |
| Efficiency ratio | 45.7239% | 6,703 |
| Assets per employee ($millions) | 7.0781% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0219% | 1,983 |
| Loan loss allowance to noncurrent loans | 84.3890% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 2.5644% | 1,790 |
| Noncurrent loans to loans | 2.3960% | 2,166 |
| Net loans and leases to total assets | 71.6816% | 1,403 |
| Net loans and leases to deposits | 88.9247% | 1,057 |
| Net loans and leases to core deposits | 100.1618% | 941 |
| Total domestic deposits to total assets | 80.6093% | 5,596 |
| Equity capital to assets | 10.0497% | 4,082 |
| Core capital (leverage) ratio | 8.5198% | 5,562 |
| Tier 1 risk-based capital ratio | 11.2050% | 6,310 |
| Total risk-based capital ratio | 12.5672% | 6,247 |
| Memoranda: | ||
| Average total assets | $3,207,011,000 | 240 |
| Average earning assets | $2,887,709,500 | 234 |
| Average equity | $307,657,500 | 272 |
| Average total loans | $2,295,895,500 | 221 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7231% | 420 |
| Cost of funding earning assets | 0.6701% | 3,741 |
| Net interest margin | 5.0530% | 350 |
| Noninterest income to average assets | 0.2369% | 5,754 |
| Noninterest expense to average assets | 2.4880% | 5,142 |
| Loan and lease loss provision to assets | 0.7015% | 733 |
| Net operating income to assets | 1.0034% | 2,321 |
| Return on assets (ROA) | 1.0269% | 2,435 |
| Pretax return on assets | 1.5608% | 1,487 |
| Return on Equity (ROE) | 11.2164% | 1,735 |
| Retained earnings to average equity (ytd only) | 6.1733% | 1,985 |
| Net charge-offs to loans | 0.7431% | 1,581 |
| Credit loss provision to net charge-offs | 137.8122% | 2,001 |
| Earnings coverage of net charge-offs (x) | 4.3744% | 3,391 |
| Efficiency ratio | 51.5444% | 6,492 |
| Assets per employee ($millions) | 7.4644% | 631 |
| Cash dividends to net income (ytd only)* | 44.9613% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 2,077 |
| Loan loss allowance to noncurrent loans | 70.1655% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.7911% | 1,721 |
| Noncurrent loans to loans | 2.8201% | 1,870 |
| Net loans and leases to total assets | 68.7263% | 2,074 |
| Net loans and leases to deposits | 85.1969% | 1,617 |
| Net loans and leases to core deposits | 94.6621% | 1,412 |
| Total domestic deposits to total assets | 80.6676% | 5,496 |
| Equity capital to assets | 9.1644% | 5,320 |
| Core capital (leverage) ratio | 8.0605% | 6,130 |
| Tier 1 risk-based capital ratio | 10.4483% | 6,572 |
| Total risk-based capital ratio | 11.8070% | 6,499 |
| Memoranda: | ||
| Average total assets | $3,248,743,200 | 237 |
| Average earning assets | $2,878,925,200 | 230 |
| Average equity | $297,440,000 | 274 |
| Average total loans | $2,225,313,400 | 218 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5859% | 569 |
| Cost of funding earning assets | 0.6987% | 3,776 |
| Net interest margin | 4.8872% | 486 |
| Noninterest income to average assets | 0.4606% | 4,206 |
| Noninterest expense to average assets | 2.4692% | 5,182 |
| Loan and lease loss provision to assets | 0.6687% | 773 |
| Net operating income to assets | 1.0819% | 2,160 |
| Return on assets (ROA) | 1.1133% | 2,239 |
| Pretax return on assets | 1.6847% | 1,311 |
| Return on Equity (ROE) | 12.1629% | 1,581 |
| Retained earnings to average equity (ytd only) | 12.1629% | 507 |
| Net charge-offs to loans | 0.6370% | 1,728 |
| Credit loss provision to net charge-offs | 154.1774% | 1,829 |
| Earnings coverage of net charge-offs (x) | 5.3162% | 3,053 |
| Efficiency ratio | 50.4679% | 6,552 |
| Assets per employee ($millions) | 7.0646% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0449% | 2,047 |
| Loan loss allowance to noncurrent loans | 69.7732% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 3.0494% | 1,707 |
| Noncurrent loans to loans | 2.9308% | 1,906 |
| Net loans and leases to total assets | 68.4444% | 2,228 |
| Net loans and leases to deposits | 84.5744% | 1,796 |
| Net loans and leases to core deposits | 94.3653% | 1,547 |
| Total domestic deposits to total assets | 80.9281% | 5,385 |
| Equity capital to assets | 9.8764% | 4,675 |
| Core capital (leverage) ratio | 8.4941% | 5,759 |
| Tier 1 risk-based capital ratio | 11.3872% | 6,306 |
| Total risk-based capital ratio | 12.7525% | 6,196 |
| Memoranda: | ||
| Average total assets | $3,234,248,500 | 238 |
| Average earning assets | $2,855,139,500 | 233 |
| Average equity | $296,040,000 | 275 |
| Average total loans | $2,202,025,500 | 223 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3674% | 930 |
| Cost of funding earning assets | 0.7319% | 3,747 |
| Net interest margin | 4.6355% | 770 |
| Noninterest income to average assets | 0.2254% | 5,956 |
| Noninterest expense to average assets | 2.4538% | 5,281 |
| Loan and lease loss provision to assets | 0.2632% | 2,473 |
| Net operating income to assets | 1.0553% | 2,224 |
| Return on assets (ROA) | 1.1022% | 2,257 |
| Pretax return on assets | 1.6608% | 1,367 |
| Return on Equity (ROE) | 12.3586% | 1,554 |
| Retained earnings to average equity (ytd only) | 12.3586% | 524 |
| Net charge-offs to loans | 0.5202% | 2,031 |
| Credit loss provision to net charge-offs | 74.9606% | 3,458 |
| Earnings coverage of net charge-offs (x) | 5.2768% | 2,869 |
| Efficiency ratio | 55.5841% | 6,164 |
| Assets per employee ($millions) | 7.0425% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 3,075 |
| Loan loss allowance to noncurrent loans | 54.5560% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 3.4057% | 1,576 |
| Noncurrent loans to loans | 3.1881% | 1,824 |
| Net loans and leases to total assets | 68.2368% | 2,254 |
| Net loans and leases to deposits | 82.3073% | 2,077 |
| Net loans and leases to core deposits | 92.8634% | 1,700 |
| Total domestic deposits to total assets | 82.9049% | 4,789 |
| Equity capital to assets | 9.5179% | 5,031 |
| Core capital (leverage) ratio | 8.0958% | 6,166 |
| Tier 1 risk-based capital ratio | 11.0992% | 6,450 |
| Total risk-based capital ratio | 12.4622% | 6,375 |
| Memoranda: | ||
| Average total assets | $3,254,990,670 | 236 |
| Average earning assets | $2,865,870,670 | 232 |
| Average equity | $290,292,670 | 279 |
| Average total loans | $2,197,235,000 | 220 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1176% | 1,529 |
| Cost of funding earning assets | 0.7589% | 3,797 |
| Net interest margin | 4.3588% | 1,316 |
| Noninterest income to average assets | 0.3466% | 5,089 |
| Noninterest expense to average assets | 2.4040% | 5,459 |
| Loan and lease loss provision to assets | 0.4850% | 1,253 |
| Net operating income to assets | 0.8610% | 3,100 |
| Return on assets (ROA) | 0.9440% | 2,933 |
| Pretax return on assets | 1.4110% | 2,163 |
| Return on Equity (ROE) | 10.9364% | 2,042 |
| Retained earnings to average equity (ytd only) | 10.9364% | 1,043 |
| Net charge-offs to loans | 0.5498% | 1,714 |
| Credit loss provision to net charge-offs | 132.5058% | 1,841 |
| Earnings coverage of net charge-offs (x) | 4.8418% | 2,494 |
| Efficiency ratio | 56.1432% | 6,108 |
| Assets per employee ($millions) | 7.1727% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8524% | 2,835 |
| Loan loss allowance to noncurrent loans | 54.3573% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 3.7248% | 1,508 |
| Noncurrent loans to loans | 3.4078% | 1,845 |
| Net loans and leases to total assets | 66.5095% | 2,374 |
| Net loans and leases to deposits | 79.0176% | 2,342 |
| Net loans and leases to core deposits | 87.7050% | 2,085 |
| Total domestic deposits to total assets | 84.1705% | 4,412 |
| Equity capital to assets | 8.9469% | 5,572 |
| Core capital (leverage) ratio | 7.6320% | 6,547 |
| Tier 1 risk-based capital ratio | 10.8974% | 6,579 |
| Total risk-based capital ratio | 12.2649% | 6,512 |
| Memoranda: | ||
| Average total assets | $3,301,434,000 | 232 |
| Average earning assets | $2,900,644,000 | 231 |
| Average equity | $284,956,500 | 280 |
| Average total loans | $2,197,897,000 | 220 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 2,126 |
| Cost of funding earning assets | 0.9456% | 3,745 |
| Net interest margin | 4.2406% | 1,922 |
| Noninterest income to average assets | 0.5505% | 3,508 |
| Noninterest expense to average assets | 2.4035% | 5,767 |
| Loan and lease loss provision to assets | 0.5259% | 1,988 |
| Net operating income to assets | 0.9582% | 2,371 |
| Return on assets (ROA) | 0.9904% | 2,378 |
| Pretax return on assets | 1.4629% | 1,580 |
| Return on Equity (ROE) | 11.8724% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.8724% | 317 |
| Net charge-offs to loans | 0.9395% | 1,851 |
| Credit loss provision to net charge-offs | 83.6998% | 4,288 |
| Earnings coverage of net charge-offs (x) | 3.0900% | 3,661 |
| Efficiency ratio | 54.5683% | 6,461 |
| Assets per employee ($millions) | 7.5011% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7981% | 2,876 |
| Loan loss allowance to noncurrent loans | 125.2339% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 2.5457% | 2,384 |
| Noncurrent loans to loans | 1.4358% | 4,010 |
| Net loans and leases to total assets | 64.2538% | 3,131 |
| Net loans and leases to deposits | 76.9287% | 3,018 |
| Net loans and leases to core deposits | 87.6314% | 2,414 |
| Total domestic deposits to total assets | 83.5239% | 4,528 |
| Equity capital to assets | 8.3281% | 6,320 |
| Core capital (leverage) ratio | 7.1135% | 6,826 |
| Tier 1 risk-based capital ratio | 10.6908% | 6,611 |
| Total risk-based capital ratio | 12.0598% | 6,539 |
| Memoranda: | ||
| Average total assets | $3,062,167,200 | 237 |
| Average earning assets | $2,739,960,200 | 231 |
| Average equity | $255,458,800 | 296 |
| Average total loans | $2,047,721,800 | 234 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 2,577 |
| Cost of funding earning assets | 0.9790% | 3,826 |
| Net interest margin | 4.1274% | 2,366 |
| Noninterest income to average assets | 0.7267% | 2,441 |
| Noninterest expense to average assets | 2.2965% | 6,049 |
| Loan and lease loss provision to assets | 0.7255% | 1,322 |
| Net operating income to assets | 0.9276% | 2,636 |
| Return on assets (ROA) | 0.9696% | 2,604 |
| Pretax return on assets | 1.4821% | 1,698 |
| Return on Equity (ROE) | 11.6166% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.6166% | 539 |
| Net charge-offs to loans | 0.8998% | 1,778 |
| Credit loss provision to net charge-offs | 119.8510% | 2,715 |
| Earnings coverage of net charge-offs (x) | 3.5401% | 3,406 |
| Efficiency ratio | 51.2372% | 6,751 |
| Assets per employee ($millions) | 7.5707% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0665% | 2,155 |
| Loan loss allowance to noncurrent loans | 127.3209% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 3.2549% | 1,951 |
| Noncurrent loans to loans | 1.6230% | 3,867 |
| Net loans and leases to total assets | 64.5165% | 3,200 |
| Net loans and leases to deposits | 75.9499% | 3,338 |
| Net loans and leases to core deposits | 91.1874% | 2,090 |
| Total domestic deposits to total assets | 84.9462% | 3,790 |
| Equity capital to assets | 8.1765% | 6,579 |
| Core capital (leverage) ratio | 7.2761% | 6,869 |
| Tier 1 risk-based capital ratio | 10.4704% | 6,788 |
| Total risk-based capital ratio | 11.8450% | 6,723 |
| Memoranda: | ||
| Average total assets | $2,985,712,000 | 237 |
| Average earning assets | $2,685,839,750 | 233 |
| Average equity | $249,201,000 | 303 |
| Average total loans | $2,008,731,000 | 236 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 2,010 |
| Cost of funding earning assets | 1.0155% | 3,844 |
| Net interest margin | 4.2489% | 1,850 |
| Noninterest income to average assets | 0.6050% | 3,100 |
| Noninterest expense to average assets | 2.3762% | 5,916 |
| Loan and lease loss provision to assets | 0.5701% | 1,700 |
| Net operating income to assets | 1.0113% | 2,179 |
| Return on assets (ROA) | 1.0426% | 2,156 |
| Pretax return on assets | 1.5765% | 1,305 |
| Return on Equity (ROE) | 12.3935% | 1,383 |
| Retained earnings to average equity (ytd only) | 12.3935% | 471 |
| Net charge-offs to loans | 0.9025% | 1,729 |
| Credit loss provision to net charge-offs | 93.1306% | 3,371 |
| Earnings coverage of net charge-offs (x) | 3.4295% | 3,172 |
| Efficiency ratio | 52.6800% | 6,746 |
| Assets per employee ($millions) | 8.5928% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1115% | 2,104 |
| Loan loss allowance to noncurrent loans | 132.7654% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 2.5730% | 2,592 |
| Noncurrent loans to loans | 1.5904% | 4,010 |
| Net loans and leases to total assets | 67.0911% | 2,806 |
| Net loans and leases to deposits | 80.1229% | 2,767 |
| Net loans and leases to core deposits | 95.1169% | 1,775 |
| Total domestic deposits to total assets | 83.7352% | 4,457 |
| Equity capital to assets | 9.1146% | 5,409 |
| Core capital (leverage) ratio | 8.8428% | 4,978 |
| Tier 1 risk-based capital ratio | 12.2214% | 5,585 |
| Total risk-based capital ratio | 13.5999% | 5,455 |
| Memoranda: | ||
| Average total assets | $2,868,053,000 | 251 |
| Average earning assets | $2,612,620,330 | 243 |
| Average equity | $241,272,000 | 309 |
| Average total loans | $1,945,156,000 | 243 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 4,508 |
| Cost of funding earning assets | 1.0459% | 3,880 |
| Net interest margin | 3.6583% | 4,291 |
| Noninterest income to average assets | 0.6737% | 2,710 |
| Noninterest expense to average assets | 2.3646% | 6,005 |
| Loan and lease loss provision to assets | 0.5060% | 1,718 |
| Net operating income to assets | 0.7598% | 3,223 |
| Return on assets (ROA) | 0.7762% | 3,209 |
| Pretax return on assets | 1.1560% | 2,532 |
| Return on Equity (ROE) | 9.6389% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.6389% | 1,201 |
| Net charge-offs to loans | 0.7371% | 1,741 |
| Credit loss provision to net charge-offs | 101.7812% | 2,599 |
| Earnings coverage of net charge-offs (x) | 3.2938% | 2,786 |
| Efficiency ratio | 58.6085% | 6,188 |
| Assets per employee ($millions) | 8.5197% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2006% | 1,966 |
| Loan loss allowance to noncurrent loans | 126.7598% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 2.9429% | 2,350 |
| Noncurrent loans to loans | 1.7360% | 3,904 |
| Net loans and leases to total assets | 65.5059% | 3,131 |
| Net loans and leases to deposits | 77.8471% | 3,082 |
| Net loans and leases to core deposits | 93.9648% | 1,884 |
| Total domestic deposits to total assets | 84.1469% | 4,430 |
| Equity capital to assets | 7.9968% | 6,496 |
| Core capital (leverage) ratio | 7.8946% | 6,373 |
| Tier 1 risk-based capital ratio | 11.1252% | 6,418 |
| Total risk-based capital ratio | 12.5085% | 6,273 |
| Memoranda: | ||
| Average total assets | $2,845,592,500 | 254 |
| Average earning assets | $2,589,076,000 | 249 |
| Average equity | $229,155,500 | 315 |
| Average total loans | $1,919,483,000 | 244 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 3,805 |
| Cost of funding earning assets | 1.2361% | 4,318 |
| Net interest margin | 3.9236% | 3,382 |
| Noninterest income to average assets | 0.6847% | 2,938 |
| Noninterest expense to average assets | 2.3910% | 6,109 |
| Loan and lease loss provision to assets | 1.3817% | 1,087 |
| Net operating income to assets | 0.3633% | 4,700 |
| Return on assets (ROA) | 0.4203% | 4,590 |
| Pretax return on assets | 0.5983% | 4,331 |
| Return on Equity (ROE) | 4.7172% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.7172% | 2,597 |
| Net charge-offs to loans | 1.8376% | 1,139 |
| Credit loss provision to net charge-offs | 99.3082% | 4,661 |
| Earnings coverage of net charge-offs (x) | 1.3646% | 4,746 |
| Efficiency ratio | 55.3375% | 6,673 |
| Assets per employee ($millions) | 8.4423% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2587% | 1,756 |
| Loan loss allowance to noncurrent loans | 111.1316% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 2.6955% | 2,586 |
| Noncurrent loans to loans | 2.0325% | 3,515 |
| Net loans and leases to total assets | 66.4148% | 3,377 |
| Net loans and leases to deposits | 79.9885% | 3,182 |
| Net loans and leases to core deposits | 100.0822% | 1,607 |
| Total domestic deposits to total assets | 83.0305% | 4,783 |
| Equity capital to assets | 8.1116% | 6,371 |
| Core capital (leverage) ratio | 8.5124% | 5,338 |
| Tier 1 risk-based capital ratio | 11.1203% | 6,234 |
| Total risk-based capital ratio | 12.5054% | 6,113 |
| Memoranda: | ||
| Average total assets | $2,441,497,400 | 293 |
| Average earning assets | $2,243,160,000 | 285 |
| Average equity | $217,524,000 | 326 |
| Average total loans | $1,848,571,200 | 257 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2702% | 3,490 |
| Cost of funding earning assets | 1.2902% | 4,288 |
| Net interest margin | 3.9800% | 3,186 |
| Noninterest income to average assets | 0.8353% | 2,053 |
| Noninterest expense to average assets | 2.3219% | 6,258 |
| Loan and lease loss provision to assets | 1.7214% | 731 |
| Net operating income to assets | 0.3044% | 5,147 |
| Return on assets (ROA) | 0.3502% | 5,139 |
| Pretax return on assets | 0.5229% | 4,849 |
| Return on Equity (ROE) | 3.8289% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.8289% | 3,763 |
| Net charge-offs to loans | 1.9161% | 997 |
| Credit loss provision to net charge-offs | 115.1632% | 3,624 |
| Earnings coverage of net charge-offs (x) | 1.4558% | 4,638 |
| Efficiency ratio | 51.2176% | 7,054 |
| Assets per employee ($millions) | 7.6386% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4273% | 1,438 |
| Loan loss allowance to noncurrent loans | 98.9369% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 3.3170% | 2,144 |
| Noncurrent loans to loans | 2.4534% | 3,175 |
| Net loans and leases to total assets | 75.8682% | 1,435 |
| Net loans and leases to deposits | 91.8092% | 1,474 |
| Net loans and leases to core deposits | 124.2230% | 494 |
| Total domestic deposits to total assets | 82.6368% | 4,736 |
| Equity capital to assets | 9.0201% | 5,552 |
| Core capital (leverage) ratio | 8.8734% | 4,886 |
| Tier 1 risk-based capital ratio | 11.0569% | 6,325 |
| Total risk-based capital ratio | 12.4465% | 6,189 |
| Memoranda: | ||
| Average total assets | $2,355,383,000 | 300 |
| Average earning assets | $2,167,498,250 | 293 |
| Average equity | $215,408,500 | 321 |
| Average total loans | $1,837,452,500 | 262 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0207% | 4,845 |
| Cost of funding earning assets | 1.3469% | 4,207 |
| Net interest margin | 3.6738% | 4,484 |
| Noninterest income to average assets | 0.7444% | 2,435 |
| Noninterest expense to average assets | 2.2710% | 6,435 |
| Loan and lease loss provision to assets | 1.9702% | 623 |
| Net operating income to assets | -0.0585% | 6,162 |
| Return on assets (ROA) | 0.0015% | 6,186 |
| Pretax return on assets | 0.0027% | 6,150 |
| Return on Equity (ROE) | 0.0160% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.0160% | 5,727 |
| Net charge-offs to loans | 2.2717% | 786 |
| Credit loss provision to net charge-offs | 111.0406% | 3,656 |
| Earnings coverage of net charge-offs (x) | 1.0591% | 4,732 |
| Efficiency ratio | 54.2591% | 6,853 |
| Assets per employee ($millions) | 7.0801% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5493% | 1,240 |
| Loan loss allowance to noncurrent loans | 101.9646% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 3.1455% | 2,254 |
| Noncurrent loans to loans | 2.5002% | 3,152 |
| Net loans and leases to total assets | 76.8410% | 1,323 |
| Net loans and leases to deposits | 93.9488% | 1,282 |
| Net loans and leases to core deposits | 119.9305% | 695 |
| Total domestic deposits to total assets | 81.7903% | 5,071 |
| Equity capital to assets | 9.7265% | 4,373 |
| Core capital (leverage) ratio | 9.1908% | 4,311 |
| Tier 1 risk-based capital ratio | 11.1646% | 6,079 |
| Total risk-based capital ratio | 12.5592% | 5,919 |
| Memoranda: | ||
| Average total assets | $2,310,445,670 | 304 |
| Average earning assets | $2,141,853,670 | 293 |
| Average equity | $212,339,000 | 329 |
| Average total loans | $1,804,515,330 | 269 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0535% | 4,774 |
| Cost of funding earning assets | 1.3886% | 4,253 |
| Net interest margin | 3.6649% | 4,412 |
| Noninterest income to average assets | 0.6337% | 3,054 |
| Noninterest expense to average assets | 2.1845% | 6,727 |
| Loan and lease loss provision to assets | 2.3590% | 454 |
| Net operating income to assets | -0.3370% | 6,699 |
| Return on assets (ROA) | -0.2761% | 6,694 |
| Pretax return on assets | -0.4376% | 6,744 |
| Return on Equity (ROE) | -3.0907% | 6,746 |
| Retained earnings to average equity (ytd only) | -3.0907% | 6,374 |
| Net charge-offs to loans | 2.7961% | 569 |
| Credit loss provision to net charge-offs | 108.5247% | 3,170 |
| Earnings coverage of net charge-offs (x) | 0.8401% | 4,296 |
| Efficiency ratio | 53.9852% | 6,975 |
| Assets per employee ($millions) | 7.3806% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4471% | 1,364 |
| Loan loss allowance to noncurrent loans | 81.5146% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 3.2301% | 2,223 |
| Noncurrent loans to loans | 3.0020% | 2,672 |
| Net loans and leases to total assets | 75.1052% | 1,717 |
| Net loans and leases to deposits | 91.3080% | 1,713 |
| Net loans and leases to core deposits | 117.7627% | 880 |
| Total domestic deposits to total assets | 82.2548% | 4,954 |
| Equity capital to assets | 9.2235% | 4,957 |
| Core capital (leverage) ratio | 9.1400% | 4,312 |
| Tier 1 risk-based capital ratio | 10.9753% | 6,181 |
| Total risk-based capital ratio | 12.3678% | 6,014 |
| Memoranda: | ||
| Average total assets | $2,339,937,500 | 313 |
| Average earning assets | $2,156,149,500 | 304 |
| Average equity | $209,014,000 | 336 |
| Average total loans | $1,819,121,000 | 277 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 3,814 |
| Cost of funding earning assets | 2.0644% | 2,659 |
| Net interest margin | 3.4962% | 4,970 |
| Noninterest income to average assets | 0.8640% | 2,120 |
| Noninterest expense to average assets | 4.1386% | 1,174 |
| Loan and lease loss provision to assets | 1.7622% | 1,296 |
| Net operating income to assets | -1.9502% | 7,073 |
| Return on assets (ROA) | -1.9085% | 7,053 |
| Pretax return on assets | -1.7504% | 6,840 |
| Return on Equity (ROE) | -20.6944% | 7,161 |
| Retained earnings to average equity (ytd only) | -20.6944% | 7,130 |
| Net charge-offs to loans | 1.5219% | 1,646 |
| Credit loss provision to net charge-offs | 135.4199% | 3,656 |
| Earnings coverage of net charge-offs (x) | -0.0229% | 6,233 |
| Efficiency ratio | 52.0557% | 7,380 |
| Assets per employee ($millions) | 7.5981% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3405% | 1,416 |
| Loan loss allowance to noncurrent loans | 114.8340% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 2.7443% | 2,546 |
| Noncurrent loans to loans | 2.0382% | 3,601 |
| Net loans and leases to total assets | 76.6580% | 1,655 |
| Net loans and leases to deposits | 91.4850% | 1,966 |
| Net loans and leases to core deposits | 115.2653% | 2,388 |
| Total domestic deposits to total assets | 83.7930% | 4,129 |
| Equity capital to assets | 8.6415% | 5,676 |
| Core capital (leverage) ratio | 8.3765% | 5,484 |
| Tier 1 risk-based capital ratio | 9.9815% | 6,888 |
| Total risk-based capital ratio | 11.3681% | 6,740 |
| Memoranda: | ||
| Average total assets | $2,293,261,200 | 318 |
| Average earning assets | $2,128,369,400 | 309 |
| Average equity | $211,496,400 | 339 |
| Average total loans | $1,960,816,600 | 268 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6844% | 3,415 |
| Cost of funding earning assets | 2.2027% | 2,402 |
| Net interest margin | 3.4818% | 4,942 |
| Noninterest income to average assets | 0.8982% | 1,988 |
| Noninterest expense to average assets | 4.8000% | 565 |
| Loan and lease loss provision to assets | 1.8708% | 985 |
| Net operating income to assets | -2.5895% | 7,479 |
| Return on assets (ROA) | -2.5339% | 7,474 |
| Pretax return on assets | -2.4823% | 7,341 |
| Return on Equity (ROE) | -27.0379% | 7,548 |
| Retained earnings to average equity (ytd only) | -27.0379% | 7,533 |
| Net charge-offs to loans | 1.3924% | 1,480 |
| Credit loss provision to net charge-offs | 153.8964% | 3,109 |
| Earnings coverage of net charge-offs (x) | -0.5489% | 6,488 |
| Efficiency ratio | 51.4522% | 7,451 |
| Assets per employee ($millions) | 8.0862% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1286% | 1,548 |
| Loan loss allowance to noncurrent loans | 100.2494% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 2.5934% | 2,683 |
| Noncurrent loans to loans | 2.1233% | 3,479 |
| Net loans and leases to total assets | 83.1111% | 656 |
| Net loans and leases to deposits | 110.6094% | 448 |
| Net loans and leases to core deposits | 139.6256% | 933 |
| Total domestic deposits to total assets | 75.1393% | 6,744 |
| Equity capital to assets | 8.1869% | 6,655 |
| Core capital (leverage) ratio | 8.1196% | 6,151 |
| Tier 1 risk-based capital ratio | 8.9332% | 7,647 |
| Total risk-based capital ratio | 10.3024% | 7,608 |
| Memoranda: | ||
| Average total assets | $2,281,520,750 | 330 |
| Average earning assets | $2,119,604,500 | 323 |
| Average equity | $213,812,750 | 347 |
| Average total loans | $1,991,780,000 | 272 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 5,257 |
| Cost of funding earning assets | 1.7802% | 4,860 |
| Net interest margin | 3.5986% | 4,366 |
| Noninterest income to average assets | 0.5495% | 4,040 |
| Noninterest expense to average assets | 6.3318% | 291 |
| Loan and lease loss provision to assets | 2.0888% | 765 |
| Net operating income to assets | -4.3911% | 7,880 |
| Return on assets (ROA) | -4.3076% | 7,864 |
| Pretax return on assets | -4.4574% | 7,804 |
| Return on Equity (ROE) | -43.8832% | 7,874 |
| Retained earnings to average equity (ytd only) | -43.8832% | 7,860 |
| Net charge-offs to loans | 1.2070% | 1,519 |
| Credit loss provision to net charge-offs | 196.2117% | 2,326 |
| Earnings coverage of net charge-offs (x) | -2.3059% | 6,369 |
| Efficiency ratio | 56.8963% | 7,006 |
| Assets per employee ($millions) | 7.1500% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2359% | 1,182 |
| Loan loss allowance to noncurrent loans | 86.6794% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 3.0006% | 2,117 |
| Noncurrent loans to loans | 2.5796% | 2,809 |
| Net loans and leases to total assets | 85.2037% | 474 |
| Net loans and leases to deposits | 104.7397% | 853 |
| Net loans and leases to core deposits | 125.9901% | 1,873 |
| Total domestic deposits to total assets | 81.3480% | 4,949 |
| Equity capital to assets | 9.2187% | 4,986 |
| Core capital (leverage) ratio | 9.0759% | 4,502 |
| Tier 1 risk-based capital ratio | 9.8724% | 7,063 |
| Total risk-based capital ratio | 11.2575% | 6,845 |
| Memoranda: | ||
| Average total assets | $2,211,839,670 | 343 |
| Average earning assets | $2,045,299,000 | 338 |
| Average equity | $217,117,330 | 350 |
| Average total loans | $1,950,721,670 | 291 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3129% | 5,843 |
| Cost of funding earning assets | 1.7897% | 5,165 |
| Net interest margin | 3.5232% | 4,638 |
| Noninterest income to average assets | 0.4963% | 4,354 |
| Noninterest expense to average assets | 10.2696% | 108 |
| Loan and lease loss provision to assets | 2.7161% | 412 |
| Net operating income to assets | -8.9805% | 8,162 |
| Return on assets (ROA) | -8.9254% | 8,152 |
| Pretax return on assets | -9.1778% | 8,142 |
| Return on Equity (ROE) | -88.2824% | 8,139 |
| Retained earnings to average equity (ytd only) | -88.2824% | 8,130 |
| Net charge-offs to loans | 1.3782% | 1,028 |
| Credit loss provision to net charge-offs | 222.1568% | 2,040 |
| Earnings coverage of net charge-offs (x) | -5.3318% | 5,572 |
| Efficiency ratio | 55.5721% | 7,021 |
| Assets per employee ($millions) | 7.0625% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0148% | 1,382 |
| Loan loss allowance to noncurrent loans | 78.5033% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.9099% | 1,953 |
| Noncurrent loans to loans | 2.5665% | 2,570 |
| Net loans and leases to total assets | 87.4278% | 308 |
| Net loans and leases to deposits | 108.9382% | 673 |
| Net loans and leases to core deposits | 129.2851% | 1,705 |
| Total domestic deposits to total assets | 80.2545% | 5,259 |
| Equity capital to assets | 9.0821% | 5,249 |
| Core capital (leverage) ratio | 8.7587% | 5,051 |
| Tier 1 risk-based capital ratio | 9.4505% | 7,467 |
| Total risk-based capital ratio | 10.8284% | 7,292 |
| Memoranda: | ||
| Average total assets | $2,223,810,500 | 340 |
| Average earning assets | $2,054,394,500 | 338 |
| Average equity | $224,828,500 | 329 |
| Average total loans | $1,972,680,500 | 288 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0298% | 5,411 |
| Cost of funding earning assets | 2.3871% | 4,777 |
| Net interest margin | 3.6427% | 4,713 |
| Noninterest income to average assets | 0.8698% | 2,109 |
| Noninterest expense to average assets | 2.0993% | 7,240 |
| Loan and lease loss provision to assets | 1.1008% | 1,319 |
| Net operating income to assets | 0.6386% | 4,152 |
| Return on assets (ROA) | 0.6438% | 3,982 |
| Pretax return on assets | 0.9815% | 3,443 |
| Return on Equity (ROE) | 6.3394% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.8571% | 1,591 |
| Net charge-offs to loans | 0.7198% | 1,715 |
| Credit loss provision to net charge-offs | 176.8571% | 2,865 |
| Earnings coverage of net charge-offs (x) | 3.3330% | 4,418 |
| Efficiency ratio | 50.2969% | 7,644 |
| Assets per employee ($millions) | 7.2861% | 624 |
| Cash dividends to net income (ytd only)* | 7.6080% | 4,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 2,320 |
| Loan loss allowance to noncurrent loans | 105.5561% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.9580% | 2,512 |
| Noncurrent loans to loans | 1.4986% | 3,549 |
| Net loans and leases to total assets | 86.8032% | 495 |
| Net loans and leases to deposits | 107.1181% | 1,032 |
| Net loans and leases to core deposits | 119.2215% | 2,772 |
| Total domestic deposits to total assets | 81.0350% | 4,621 |
| Equity capital to assets | 11.1194% | 2,950 |
| Core capital (leverage) ratio | 9.2136% | 4,421 |
| Tier 1 risk-based capital ratio | 9.5065% | 7,300 |
| Total risk-based capital ratio | 10.8763% | 7,066 |
| Memoranda: | ||
| Average total assets | $2,041,700,200 | 353 |
| Average earning assets | $1,851,908,000 | 351 |
| Average equity | $207,337,400 | 362 |
| Average total loans | $1,765,457,400 | 310 |