Home > First Financial Bank > Performance and Condition Ratios
First Financial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 3,207 |
| Cost of funding earning assets | 1.2275% | 2,736 |
| Net interest margin | 3.2123% | 2,848 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 1.6561% | 4,191 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.4757% | 1,067 |
| Return on assets (ROA) | 1.4308% | 1,126 |
| Pretax return on assets | 1.7450% | 972 |
| Return on Equity (ROE) | 15.4300% | 1,203 |
| Retained earnings to average equity (ytd only) | 5.3846% | 2,455 |
| Net charge-offs to loans | 0.0316% | 1,664 |
| Credit loss provision to net charge-offs | 700.3257% | 526 |
| Earnings coverage of net charge-offs (x) | 112.8334% | 847 |
| Efficiency ratio | 46.6041% | 4,173 |
| Assets per employee ($millions) | 9.3321% | 880 |
| Cash dividends to net income (ytd only)* | 65.1042% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,073 |
| Loan loss allowance to noncurrent loans | 256.4789% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 1,882 |
| Noncurrent loans to loans | 0.4830% | 1,577 |
| Net loans and leases to total assets | 54.2200% | 3,334 |
| Net loans and leases to deposits | 62.6623% | 3,371 |
| Net loans and leases to core deposits | 64.5669% | 3,563 |
| Total domestic deposits to total assets | 86.5400% | 1,839 |
| Equity capital to assets | 10.1198% | 1,937 |
| Core capital (leverage) ratio | 10.7539% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5864% | 980 |
| Memoranda: | ||
| Average total assets | $12,882,154,000 | 135 |
| Average earning assets | $11,863,087,800 | 131 |
| Average equity | $1,194,509,800 | 148 |
| Average total loans | $6,801,760,600 | 163 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 3,217 |
| Cost of funding earning assets | 1.1345% | 2,648 |
| Net interest margin | 3.2047% | 2,908 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 1.6292% | 4,207 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.4811% | 1,160 |
| Return on assets (ROA) | 1.4723% | 1,169 |
| Pretax return on assets | 1.7995% | 1,011 |
| Return on Equity (ROE) | 16.2500% | 1,212 |
| Retained earnings to average equity (ytd only) | 6.0522% | 2,614 |
| Net charge-offs to loans | 0.0232% | 1,626 |
| Credit loss provision to net charge-offs | 1,286.3248% | 341 |
| Earnings coverage of net charge-offs (x) | 158.0991% | 703 |
| Efficiency ratio | 45.6947% | 4,153 |
| Assets per employee ($millions) | 9.0729% | 905 |
| Cash dividends to net income (ytd only)* | 62.7667% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 1,962 |
| Loan loss allowance to noncurrent loans | 229.5298% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 1,786 |
| Noncurrent loans to loans | 0.5578% | 1,431 |
| Net loans and leases to total assets | 54.3800% | 3,332 |
| Net loans and leases to deposits | 63.7080% | 3,286 |
| Net loans and leases to core deposits | 66.0038% | 3,428 |
| Total domestic deposits to total assets | 85.3600% | 2,396 |
| Equity capital to assets | 8.4365% | 2,760 |
| Core capital (leverage) ratio | 10.7631% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5635% | 1,009 |
| Memoranda: | ||
| Average total assets | $12,841,136,750 | 136 |
| Average earning assets | $11,824,659,750 | 133 |
| Average equity | $1,163,075,000 | 154 |
| Average total loans | $6,711,440,000 | 167 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 3,273 |
| Cost of funding earning assets | 0.9963% | 2,611 |
| Net interest margin | 3.2151% | 2,949 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 1.6001% | 4,257 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.4883% | 1,126 |
| Return on assets (ROA) | 1.4890% | 1,118 |
| Pretax return on assets | 1.8258% | 961 |
| Return on Equity (ROE) | 16.0800% | 1,254 |
| Retained earnings to average equity (ytd only) | 6.3538% | 2,493 |
| Net charge-offs to loans | 0.0158% | 1,610 |
| Credit loss provision to net charge-offs | 2,151.1494% | 243 |
| Earnings coverage of net charge-offs (x) | 241.1648% | 522 |
| Efficiency ratio | 44.8152% | 4,216 |
| Assets per employee ($millions) | 9.0249% | 902 |
| Cash dividends to net income (ytd only)* | 60.4784% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,045 |
| Loan loss allowance to noncurrent loans | 296.2921% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 2,040 |
| Noncurrent loans to loans | 0.4297% | 1,646 |
| Net loans and leases to total assets | 52.5500% | 3,364 |
| Net loans and leases to deposits | 61.3117% | 3,346 |
| Net loans and leases to core deposits | 63.2200% | 3,491 |
| Total domestic deposits to total assets | 85.7000% | 2,329 |
| Equity capital to assets | 9.4498% | 2,184 |
| Core capital (leverage) ratio | 10.6235% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7315% | 998 |
| Memoranda: | ||
| Average total assets | $12,881,458,667 | 134 |
| Average earning assets | $11,864,327,667 | 130 |
| Average equity | $1,193,053,333 | 148 |
| Average total loans | $6,612,945,000 | 163 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 3,330 |
| Cost of funding earning assets | 0.8599% | 2,508 |
| Net interest margin | 3.2069% | 3,100 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 1.5852% | 4,323 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.5100% | 1,167 |
| Return on assets (ROA) | 1.5119% | 1,141 |
| Pretax return on assets | 1.8481% | 986 |
| Return on Equity (ROE) | 16.4900% | 1,263 |
| Retained earnings to average equity (ytd only) | 16.4890% | 641 |
| Net charge-offs to loans | -0.0170% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.8725% | 4,276 |
| Assets per employee ($millions) | 9.2054% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,412 |
| Loan loss allowance to noncurrent loans | 334.2626% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,203 |
| Noncurrent loans to loans | 0.3670% | 1,832 |
| Net loans and leases to total assets | 50.2400% | 3,479 |
| Net loans and leases to deposits | 58.9609% | 3,398 |
| Net loans and leases to core deposits | 60.4739% | 3,517 |
| Total domestic deposits to total assets | 85.2100% | 2,803 |
| Equity capital to assets | 9.6438% | 2,037 |
| Core capital (leverage) ratio | 10.6313% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3086% | 947 |
| Memoranda: | ||
| Average total assets | $12,937,074,500 | 137 |
| Average earning assets | $11,919,119,000 | 133 |
| Average equity | $1,186,197,500 | 152 |
| Average total loans | $6,521,022,500 | 169 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5549% | 2,926 |
| Cost of funding earning assets | 0.2607% | 3,239 |
| Net interest margin | 3.2942% | 2,578 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 1.6033% | 4,303 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.6787% | 560 |
| Return on assets (ROA) | 1.6891% | 522 |
| Pretax return on assets | 2.0226% | 457 |
| Return on Equity (ROE) | 17.7900% | 735 |
| Retained earnings to average equity (ytd only) | 13.0886% | 501 |
| Net charge-offs to loans | -0.0140% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 42.5407% | 4,475 |
| Assets per employee ($millions) | 9.0554% | 902 |
| Cash dividends to net income (ytd only)* | 26.4246% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,513 |
| Loan loss allowance to noncurrent loans | 311.9970% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 2,239 |
| Noncurrent loans to loans | 0.3766% | 1,795 |
| Net loans and leases to total assets | 49.3600% | 3,555 |
| Net loans and leases to deposits | 57.3061% | 3,497 |
| Net loans and leases to core deposits | 58.2745% | 3,598 |
| Total domestic deposits to total assets | 86.1300% | 2,688 |
| Equity capital to assets | 8.6930% | 2,568 |
| Core capital (leverage) ratio | 9.9452% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5788% | 1,043 |
| Memoranda: | ||
| Average total assets | $13,106,567,400 | 137 |
| Average earning assets | $12,149,849,800 | 132 |
| Average equity | $1,244,480,800 | 143 |
| Average total loans | $5,930,757,000 | 173 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 2,938 |
| Cost of funding earning assets | 0.1573% | 3,758 |
| Net interest margin | 3.2361% | 2,508 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 1.6106% | 4,295 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.6706% | 570 |
| Return on assets (ROA) | 1.6833% | 534 |
| Pretax return on assets | 2.0116% | 456 |
| Return on Equity (ROE) | 17.3700% | 733 |
| Retained earnings to average equity (ytd only) | 11.2492% | 986 |
| Net charge-offs to loans | -0.0398% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.7787% | 4,501 |
| Assets per employee ($millions) | 9.0652% | 875 |
| Cash dividends to net income (ytd only)* | 35.2295% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,634 |
| Loan loss allowance to noncurrent loans | 301.2520% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 2,343 |
| Noncurrent loans to loans | 0.3921% | 1,834 |
| Net loans and leases to total assets | 47.4600% | 3,671 |
| Net loans and leases to deposits | 54.9187% | 3,554 |
| Net loans and leases to core deposits | 55.5090% | 3,656 |
| Total domestic deposits to total assets | 86.4300% | 2,952 |
| Equity capital to assets | 7.4332% | 3,258 |
| Core capital (leverage) ratio | 9.6160% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0914% | 1,156 |
| Memoranda: | ||
| Average total assets | $13,152,680,250 | 138 |
| Average earning assets | $12,222,840,500 | 132 |
| Average equity | $1,274,770,250 | 144 |
| Average total loans | $5,799,988,000 | 173 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2339% | 2,944 |
| Cost of funding earning assets | 0.0779% | 4,398 |
| Net interest margin | 3.1559% | 2,342 |
| Noninterest income to average assets | 0.7856% | 1,084 |
| Noninterest expense to average assets | 1.6011% | 4,305 |
| Loan and lease loss provision to assets | 0.1537% | 612 |
| Net operating income to assets | 1.6547% | 482 |
| Return on assets (ROA) | 1.6716% | 456 |
| Pretax return on assets | 1.9913% | 388 |
| Return on Equity (ROE) | 16.0145% | 698 |
| Retained earnings to average equity (ytd only) | 15.7965% | 209 |
| Net charge-offs to loans | -0.0219% | 3,913 |
| Credit loss provision to net charge-offs | -1,272.2853% | 3,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7114% | 4,548 |
| Assets per employee ($millions) | 9.2349% | 822 |
| Cash dividends to net income (ytd only)* | 1.3614% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,601 |
| Loan loss allowance to noncurrent loans | 282.0973% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 2,377 |
| Noncurrent loans to loans | 0.4318% | 1,829 |
| Net loans and leases to total assets | 44.1395% | 3,821 |
| Net loans and leases to deposits | 52.0033% | 3,684 |
| Net loans and leases to core deposits | 52.6631% | 3,772 |
| Total domestic deposits to total assets | 84.8782% | 3,505 |
| Equity capital to assets | 9.0993% | 2,317 |
| Core capital (leverage) ratio | 9.7278% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9284% | 1,001 |
| Memoranda: | ||
| Average total assets | $13,182,571,000 | 134 |
| Average earning assets | $12,282,085,667 | 132 |
| Average equity | $1,376,028,667 | 138 |
| Average total loans | $5,641,883,000 | 170 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1468% | 2,839 |
| Cost of funding earning assets | 0.0513% | 4,593 |
| Net interest margin | 3.0955% | 2,192 |
| Noninterest income to average assets | 0.7706% | 1,114 |
| Noninterest expense to average assets | 1.6038% | 4,293 |
| Loan and lease loss provision to assets | 0.1453% | 551 |
| Net operating income to assets | 1.6122% | 494 |
| Return on assets (ROA) | 1.6076% | 497 |
| Pretax return on assets | 1.9094% | 436 |
| Return on Equity (ROE) | 14.4698% | 739 |
| Retained earnings to average equity (ytd only) | 14.0596% | 374 |
| Net charge-offs to loans | 0.0217% | 1,109 |
| Credit loss provision to net charge-offs | 1,253.1773% | 294 |
| Earnings coverage of net charge-offs (x) | 226.7860% | 398 |
| Efficiency ratio | 43.5083% | 4,570 |
| Assets per employee ($millions) | 9.4251% | 788 |
| Cash dividends to net income (ytd only)* | 2.8347% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,880 |
| Loan loss allowance to noncurrent loans | 232.8867% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 2,346 |
| Noncurrent loans to loans | 0.5136% | 1,735 |
| Net loans and leases to total assets | 41.6482% | 3,903 |
| Net loans and leases to deposits | 49.6137% | 3,763 |
| Net loans and leases to core deposits | 50.2624% | 3,858 |
| Total domestic deposits to total assets | 83.9449% | 3,782 |
| Equity capital to assets | 10.0602% | 1,848 |
| Core capital (leverage) ratio | 9.6228% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9566% | 1,053 |
| Memoranda: | ||
| Average total assets | $13,166,285,500 | 136 |
| Average earning assets | $12,306,266,000 | 135 |
| Average equity | $1,462,802,500 | 135 |
| Average total loans | $5,510,310,500 | 172 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3069% | 3,193 |
| Cost of funding earning assets | 0.0536% | 4,671 |
| Net interest margin | 3.2533% | 2,455 |
| Noninterest income to average assets | 0.8694% | 1,281 |
| Noninterest expense to average assets | 1.7703% | 4,195 |
| Loan and lease loss provision to assets | -0.0094% | 4,163 |
| Net operating income to assets | 1.7982% | 508 |
| Return on assets (ROA) | 1.8030% | 524 |
| Pretax return on assets | 2.1543% | 452 |
| Return on Equity (ROE) | 14.0037% | 1,185 |
| Retained earnings to average equity (ytd only) | 8.6058% | 1,314 |
| Net charge-offs to loans | 0.0183% | 1,917 |
| Credit loss provision to net charge-offs | -212.8440% | 3,532 |
| Earnings coverage of net charge-offs (x) | 265.1468% | 443 |
| Efficiency ratio | 44.9411% | 4,540 |
| Assets per employee ($millions) | 9.0457% | 904 |
| Cash dividends to net income (ytd only)* | 38.5461% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,023 |
| Loan loss allowance to noncurrent loans | 200.5087% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 2,348 |
| Noncurrent loans to loans | 0.5833% | 1,679 |
| Net loans and leases to total assets | 41.0603% | 4,026 |
| Net loans and leases to deposits | 50.0072% | 3,879 |
| Net loans and leases to core deposits | 50.7229% | 3,978 |
| Total domestic deposits to total assets | 82.1088% | 3,948 |
| Equity capital to assets | 12.1770% | 1,180 |
| Core capital (leverage) ratio | 9.7880% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9949% | 1,043 |
| Memoranda: | ||
| Average total assets | $12,158,598,800 | 140 |
| Average earning assets | $11,362,062,600 | 139 |
| Average equity | $1,565,431,400 | 133 |
| Average total loans | $5,354,074,000 | 183 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 3,256 |
| Cost of funding earning assets | 0.0586% | 4,741 |
| Net interest margin | 3.2897% | 2,442 |
| Noninterest income to average assets | 0.8979% | 1,262 |
| Noninterest expense to average assets | 1.7809% | 4,204 |
| Loan and lease loss provision to assets | -0.0358% | 4,411 |
| Net operating income to assets | 1.8597% | 596 |
| Return on assets (ROA) | 1.8665% | 611 |
| Pretax return on assets | 2.2338% | 512 |
| Return on Equity (ROE) | 14.2852% | 1,318 |
| Retained earnings to average equity (ytd only) | 10.4798% | 1,181 |
| Net charge-offs to loans | -0.0326% | 4,167 |
| Credit loss provision to net charge-offs | 342.9010% | 935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5068% | 4,565 |
| Assets per employee ($millions) | 8.7677% | 970 |
| Cash dividends to net income (ytd only)* | 26.6387% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 3,047 |
| Loan loss allowance to noncurrent loans | 250.4248% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 2,773 |
| Noncurrent loans to loans | 0.4744% | 2,134 |
| Net loans and leases to total assets | 42.1573% | 4,082 |
| Net loans and leases to deposits | 52.5670% | 3,840 |
| Net loans and leases to core deposits | 53.3795% | 3,959 |
| Total domestic deposits to total assets | 80.1973% | 4,202 |
| Equity capital to assets | 12.7029% | 1,089 |
| Core capital (leverage) ratio | 10.0022% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6521% | 1,017 |
| Memoranda: | ||
| Average total assets | $11,932,733,500 | 142 |
| Average earning assets | $11,146,376,500 | 141 |
| Average equity | $1,559,149,000 | 134 |
| Average total loans | $5,335,897,000 | 185 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3383% | 3,335 |
| Cost of funding earning assets | 0.0634% | 4,774 |
| Net interest margin | 3.2749% | 2,536 |
| Noninterest income to average assets | 0.8853% | 1,310 |
| Noninterest expense to average assets | 1.7881% | 4,209 |
| Loan and lease loss provision to assets | -0.0545% | 4,535 |
| Net operating income to assets | 1.8457% | 655 |
| Return on assets (ROA) | 1.8563% | 671 |
| Pretax return on assets | 2.2202% | 556 |
| Return on Equity (ROE) | 14.0684% | 1,394 |
| Retained earnings to average equity (ytd only) | 13.6811% | 603 |
| Net charge-offs to loans | -0.0027% | 3,259 |
| Credit loss provision to net charge-offs | 6,291.5493% | 97 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0146% | 4,569 |
| Assets per employee ($millions) | 8.5243% | 998 |
| Cash dividends to net income (ytd only)* | 2.7525% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 3,150 |
| Loan loss allowance to noncurrent loans | 208.6218% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 2,712 |
| Noncurrent loans to loans | 0.5550% | 2,009 |
| Net loans and leases to total assets | 43.1523% | 4,100 |
| Net loans and leases to deposits | 53.6101% | 3,886 |
| Net loans and leases to core deposits | 54.4541% | 3,998 |
| Total domestic deposits to total assets | 80.4928% | 4,155 |
| Equity capital to assets | 13.0029% | 939 |
| Core capital (leverage) ratio | 10.0883% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2844% | 913 |
| Memoranda: | ||
| Average total assets | $11,742,709,333 | 141 |
| Average earning assets | $10,956,891,000 | 140 |
| Average equity | $1,549,460,667 | 133 |
| Average total loans | $5,336,457,667 | 186 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3867% | 3,239 |
| Cost of funding earning assets | 0.0675% | 4,801 |
| Net interest margin | 3.3192% | 2,334 |
| Noninterest income to average assets | 0.9077% | 1,308 |
| Noninterest expense to average assets | 1.8443% | 4,123 |
| Loan and lease loss provision to assets | -0.1196% | 4,743 |
| Net operating income to assets | 1.9004% | 665 |
| Return on assets (ROA) | 1.9217% | 684 |
| Pretax return on assets | 2.3003% | 588 |
| Return on Equity (ROE) | 14.4511% | 1,340 |
| Retained earnings to average equity (ytd only) | 13.6642% | 792 |
| Net charge-offs to loans | 0.0098% | 1,563 |
| Credit loss provision to net charge-offs | -2,617.5573% | 3,604 |
| Earnings coverage of net charge-offs (x) | 471.7023% | 201 |
| Efficiency ratio | 45.7530% | 4,481 |
| Assets per employee ($millions) | 8.6866% | 915 |
| Cash dividends to net income (ytd only)* | 5.4450% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,100 |
| Loan loss allowance to noncurrent loans | 160.0803% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 2,498 |
| Noncurrent loans to loans | 0.7301% | 1,778 |
| Net loans and leases to total assets | 44.1333% | 4,103 |
| Net loans and leases to deposits | 55.8161% | 3,804 |
| Net loans and leases to core deposits | 56.7790% | 3,921 |
| Total domestic deposits to total assets | 79.0691% | 4,322 |
| Equity capital to assets | 12.6369% | 1,020 |
| Core capital (leverage) ratio | 10.2956% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2385% | 885 |
| Memoranda: | ||
| Average total assets | $11,468,079,500 | 144 |
| Average earning assets | $10,682,898,500 | 141 |
| Average equity | $1,525,034,000 | 134 |
| Average total loans | $5,321,484,500 | 189 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 2,819 |
| Cost of funding earning assets | 0.1568% | 4,708 |
| Net interest margin | 3.8136% | 1,463 |
| Noninterest income to average assets | 1.0800% | 916 |
| Noninterest expense to average assets | 2.1023% | 3,933 |
| Loan and lease loss provision to assets | 0.1618% | 2,353 |
| Net operating income to assets | 1.9465% | 290 |
| Return on assets (ROA) | 1.9761% | 296 |
| Pretax return on assets | 2.3701% | 229 |
| Return on Equity (ROE) | 14.0688% | 800 |
| Retained earnings to average equity (ytd only) | 8.5425% | 898 |
| Net charge-offs to loans | 0.0618% | 1,895 |
| Credit loss provision to net charge-offs | 522.2584% | 1,218 |
| Earnings coverage of net charge-offs (x) | 80.5809% | 891 |
| Efficiency ratio | 45.2805% | 4,743 |
| Assets per employee ($millions) | 8.3490% | 925 |
| Cash dividends to net income (ytd only)* | 39.2805% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,588 |
| Loan loss allowance to noncurrent loans | 155.7006% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 2,406 |
| Noncurrent loans to loans | 0.8132% | 1,721 |
| Net loans and leases to total assets | 47.7300% | 3,992 |
| Net loans and leases to deposits | 58.8344% | 3,842 |
| Net loans and leases to core deposits | 59.8677% | 3,950 |
| Total domestic deposits to total assets | 81.1261% | 3,849 |
| Equity capital to assets | 14.0319% | 788 |
| Core capital (leverage) ratio | 10.4084% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4681% | 841 |
| Memoranda: | ||
| Average total assets | $9,920,049,400 | 151 |
| Average earning assets | $9,152,389,000 | 148 |
| Average equity | $1,393,333,600 | 138 |
| Average total loans | $4,974,758,600 | 187 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 2,822 |
| Cost of funding earning assets | 0.1855% | 4,716 |
| Net interest margin | 3.8653% | 1,435 |
| Noninterest income to average assets | 1.0880% | 874 |
| Noninterest expense to average assets | 2.0573% | 4,031 |
| Loan and lease loss provision to assets | 0.3587% | 1,044 |
| Net operating income to assets | 1.8673% | 394 |
| Return on assets (ROA) | 1.9080% | 399 |
| Pretax return on assets | 2.2826% | 286 |
| Return on Equity (ROE) | 13.5807% | 956 |
| Retained earnings to average equity (ytd only) | 9.8072% | 804 |
| Net charge-offs to loans | 0.0683% | 1,638 |
| Credit loss provision to net charge-offs | 1,037.4353% | 804 |
| Earnings coverage of net charge-offs (x) | 74.9861% | 957 |
| Efficiency ratio | 43.7958% | 4,796 |
| Assets per employee ($millions) | 8.1200% | 955 |
| Cash dividends to net income (ytd only)* | 27.7856% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 1,701 |
| Loan loss allowance to noncurrent loans | 178.0916% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 2,543 |
| Noncurrent loans to loans | 0.7914% | 1,843 |
| Net loans and leases to total assets | 50.5021% | 4,070 |
| Net loans and leases to deposits | 63.2061% | 3,845 |
| Net loans and leases to core deposits | 64.2707% | 4,002 |
| Total domestic deposits to total assets | 79.9007% | 3,885 |
| Equity capital to assets | 14.1322% | 819 |
| Core capital (leverage) ratio | 10.3859% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5725% | 830 |
| Memoranda: | ||
| Average total assets | $9,682,449,750 | 151 |
| Average earning assets | $8,922,992,500 | 149 |
| Average equity | $1,360,334,000 | 141 |
| Average total loans | $4,904,697,750 | 185 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 2,864 |
| Cost of funding earning assets | 0.2369% | 4,661 |
| Net interest margin | 3.9282% | 1,506 |
| Noninterest income to average assets | 1.0181% | 950 |
| Noninterest expense to average assets | 2.0742% | 4,087 |
| Loan and lease loss provision to assets | 0.3947% | 1,030 |
| Net operating income to assets | 1.8028% | 495 |
| Return on assets (ROA) | 1.8651% | 480 |
| Pretax return on assets | 2.2334% | 347 |
| Return on Equity (ROE) | 13.3045% | 1,034 |
| Retained earnings to average equity (ytd only) | 13.3045% | 329 |
| Net charge-offs to loans | 0.0887% | 1,363 |
| Credit loss provision to net charge-offs | 882.4929% | 858 |
| Earnings coverage of net charge-offs (x) | 57.0999% | 1,004 |
| Efficiency ratio | 44.3502% | 4,797 |
| Assets per employee ($millions) | 7.9332% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,021 |
| Loan loss allowance to noncurrent loans | 175.0324% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 2,760 |
| Noncurrent loans to loans | 0.7405% | 2,027 |
| Net loans and leases to total assets | 50.9496% | 4,102 |
| Net loans and leases to deposits | 63.6076% | 3,909 |
| Net loans and leases to core deposits | 64.6127% | 4,043 |
| Total domestic deposits to total assets | 80.0999% | 3,817 |
| Equity capital to assets | 14.3119% | 776 |
| Core capital (leverage) ratio | 10.2248% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1270% | 761 |
| Memoranda: | ||
| Average total assets | $9,399,389,667 | 154 |
| Average earning assets | $8,638,058,000 | 152 |
| Average equity | $1,317,661,000 | 145 |
| Average total loans | $4,741,352,000 | 185 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 2,946 |
| Cost of funding earning assets | 0.3541% | 4,504 |
| Net interest margin | 3.9390% | 1,556 |
| Noninterest income to average assets | 0.8647% | 1,135 |
| Noninterest expense to average assets | 2.2531% | 3,880 |
| Loan and lease loss provision to assets | 0.4404% | 690 |
| Net operating income to assets | 1.4878% | 806 |
| Return on assets (ROA) | 1.5656% | 738 |
| Pretax return on assets | 1.8694% | 602 |
| Return on Equity (ROE) | 11.3044% | 1,325 |
| Retained earnings to average equity (ytd only) | 11.3044% | 519 |
| Net charge-offs to loans | 0.1715% | 772 |
| Credit loss provision to net charge-offs | 515.9770% | 859 |
| Earnings coverage of net charge-offs (x) | 25.9759% | 1,267 |
| Efficiency ratio | 49.8935% | 4,672 |
| Assets per employee ($millions) | 7.4230% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,184 |
| Loan loss allowance to noncurrent loans | 153.2610% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 2,790 |
| Noncurrent loans to loans | 0.8424% | 1,927 |
| Net loans and leases to total assets | 47.8131% | 4,347 |
| Net loans and leases to deposits | 63.0613% | 4,030 |
| Net loans and leases to core deposits | 64.1598% | 4,159 |
| Total domestic deposits to total assets | 75.8200% | 4,505 |
| Equity capital to assets | 14.4310% | 917 |
| Core capital (leverage) ratio | 11.0515% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3696% | 1,089 |
| Memoranda: | ||
| Average total assets | $8,946,454,000 | 156 |
| Average earning assets | $8,188,929,000 | 153 |
| Average equity | $1,239,052,500 | 148 |
| Average total loans | $4,452,309,500 | 197 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 3,508 |
| Cost of funding earning assets | 0.4127% | 4,405 |
| Net interest margin | 3.8987% | 2,175 |
| Noninterest income to average assets | 0.9973% | 977 |
| Noninterest expense to average assets | 2.2087% | 4,143 |
| Loan and lease loss provision to assets | 0.0372% | 3,266 |
| Net operating income to assets | 1.9667% | 387 |
| Return on assets (ROA) | 1.9757% | 388 |
| Pretax return on assets | 2.3723% | 261 |
| Return on Equity (ROE) | 15.2204% | 648 |
| Retained earnings to average equity (ytd only) | 7.8789% | 1,014 |
| Net charge-offs to loans | 0.0409% | 2,572 |
| Credit loss provision to net charge-offs | 177.7578% | 1,465 |
| Earnings coverage of net charge-offs (x) | 114.6805% | 606 |
| Efficiency ratio | 47.6624% | 4,847 |
| Assets per employee ($millions) | 6.8913% | 1,088 |
| Cash dividends to net income (ytd only)* | 48.2344% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 2,208 |
| Loan loss allowance to noncurrent loans | 212.2201% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 3,171 |
| Noncurrent loans to loans | 0.5858% | 2,426 |
| Net loans and leases to total assets | 50.6877% | 4,295 |
| Net loans and leases to deposits | 61.9393% | 4,192 |
| Net loans and leases to core deposits | 63.0200% | 4,322 |
| Total domestic deposits to total assets | 81.8344% | 3,550 |
| Equity capital to assets | 13.1669% | 1,431 |
| Core capital (leverage) ratio | 10.8435% | 2,640 |
| Tier 1 risk-based capital ratio | 17.2381% | 1,986 |
| Total risk-based capital ratio | 18.3122% | 1,975 |
| Memoranda: | ||
| Average total assets | $7,974,999,600 | 162 |
| Average earning assets | $7,384,456,000 | 158 |
| Average equity | $1,035,216,000 | 160 |
| Average total loans | $4,081,236,600 | 204 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 3,650 |
| Cost of funding earning assets | 0.4296% | 4,401 |
| Net interest margin | 3.8721% | 2,357 |
| Noninterest income to average assets | 1.0013% | 934 |
| Noninterest expense to average assets | 2.1897% | 4,201 |
| Loan and lease loss provision to assets | 0.0340% | 3,221 |
| Net operating income to assets | 1.9683% | 420 |
| Return on assets (ROA) | 1.9807% | 426 |
| Pretax return on assets | 2.3796% | 319 |
| Return on Equity (ROE) | 15.3155% | 711 |
| Retained earnings to average equity (ytd only) | 10.3637% | 663 |
| Net charge-offs to loans | 0.0438% | 2,213 |
| Credit loss provision to net charge-offs | 151.7319% | 1,616 |
| Earnings coverage of net charge-offs (x) | 107.1801% | 712 |
| Efficiency ratio | 47.4373% | 4,882 |
| Assets per employee ($millions) | 6.6626% | 1,181 |
| Cash dividends to net income (ytd only)* | 32.3319% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,219 |
| Loan loss allowance to noncurrent loans | 200.9644% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,188 |
| Noncurrent loans to loans | 0.6235% | 2,414 |
| Net loans and leases to total assets | 50.5944% | 4,394 |
| Net loans and leases to deposits | 62.8502% | 4,246 |
| Net loans and leases to core deposits | 64.0064% | 4,370 |
| Total domestic deposits to total assets | 80.5000% | 3,866 |
| Equity capital to assets | 13.4371% | 1,387 |
| Core capital (leverage) ratio | 11.0954% | 2,562 |
| Tier 1 risk-based capital ratio | 17.6630% | 1,906 |
| Total risk-based capital ratio | 18.7544% | 1,913 |
| Memoranda: | ||
| Average total assets | $7,911,693,000 | 164 |
| Average earning assets | $7,329,237,500 | 159 |
| Average equity | $1,023,170,250 | 163 |
| Average total loans | $4,045,746,500 | 205 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 3,661 |
| Cost of funding earning assets | 0.4279% | 4,401 |
| Net interest margin | 3.8628% | 2,359 |
| Noninterest income to average assets | 0.9624% | 941 |
| Noninterest expense to average assets | 2.2004% | 4,221 |
| Loan and lease loss provision to assets | 0.0398% | 3,015 |
| Net operating income to assets | 1.9202% | 454 |
| Return on assets (ROA) | 1.9370% | 460 |
| Pretax return on assets | 2.3204% | 339 |
| Return on Equity (ROE) | 15.1814% | 723 |
| Retained earnings to average equity (ytd only) | 15.1814% | 163 |
| Net charge-offs to loans | 0.0472% | 1,968 |
| Credit loss provision to net charge-offs | 165.2587% | 1,394 |
| Earnings coverage of net charge-offs (x) | 97.0433% | 713 |
| Efficiency ratio | 48.1654% | 4,895 |
| Assets per employee ($millions) | 6.5507% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,116 |
| Loan loss allowance to noncurrent loans | 194.0243% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 3,158 |
| Noncurrent loans to loans | 0.6573% | 2,311 |
| Net loans and leases to total assets | 50.4840% | 4,445 |
| Net loans and leases to deposits | 62.1733% | 4,323 |
| Net loans and leases to core deposits | 63.3581% | 4,436 |
| Total domestic deposits to total assets | 81.1988% | 3,749 |
| Equity capital to assets | 13.4573% | 1,342 |
| Core capital (leverage) ratio | 11.1099% | 2,497 |
| Tier 1 risk-based capital ratio | 18.0917% | 1,783 |
| Total risk-based capital ratio | 19.2138% | 1,772 |
| Memoranda: | ||
| Average total assets | $7,854,999,330 | 165 |
| Average earning assets | $7,275,599,000 | 159 |
| Average equity | $1,002,242,330 | 164 |
| Average total loans | $4,014,056,670 | 207 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 3,717 |
| Cost of funding earning assets | 0.4146% | 4,426 |
| Net interest margin | 3.8317% | 2,414 |
| Noninterest income to average assets | 0.8970% | 1,047 |
| Noninterest expense to average assets | 2.1934% | 4,273 |
| Loan and lease loss provision to assets | 0.0494% | 2,670 |
| Net operating income to assets | 1.8454% | 514 |
| Return on assets (ROA) | 1.8479% | 525 |
| Pretax return on assets | 2.2028% | 446 |
| Return on Equity (ROE) | 14.8974% | 767 |
| Retained earnings to average equity (ytd only) | 14.8974% | 282 |
| Net charge-offs to loans | 0.0584% | 1,459 |
| Credit loss provision to net charge-offs | 165.8076% | 1,175 |
| Earnings coverage of net charge-offs (x) | 75.4519% | 800 |
| Efficiency ratio | 49.0615% | 4,890 |
| Assets per employee ($millions) | 6.5584% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,141 |
| Loan loss allowance to noncurrent loans | 180.3356% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 3,120 |
| Noncurrent loans to loans | 0.7145% | 2,238 |
| Net loans and leases to total assets | 49.9247% | 4,476 |
| Net loans and leases to deposits | 61.3127% | 4,342 |
| Net loans and leases to core deposits | 62.5123% | 4,450 |
| Total domestic deposits to total assets | 81.4264% | 3,873 |
| Equity capital to assets | 12.6399% | 1,662 |
| Core capital (leverage) ratio | 10.7222% | 2,830 |
| Tier 1 risk-based capital ratio | 17.6058% | 1,910 |
| Total risk-based capital ratio | 18.7477% | 1,892 |
| Memoranda: | ||
| Average total assets | $7,809,520,500 | 166 |
| Average earning assets | $7,226,502,000 | 162 |
| Average equity | $968,706,500 | 169 |
| Average total loans | $3,989,456,500 | 209 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1706% | 3,526 |
| Cost of funding earning assets | 0.2725% | 4,695 |
| Net interest margin | 3.8980% | 2,336 |
| Noninterest income to average assets | 0.9665% | 1,021 |
| Noninterest expense to average assets | 2.2807% | 4,167 |
| Loan and lease loss provision to assets | 0.0752% | 2,622 |
| Net operating income to assets | 1.8824% | 469 |
| Return on assets (ROA) | 1.8965% | 443 |
| Pretax return on assets | 2.2371% | 325 |
| Return on Equity (ROE) | 15.9805% | 637 |
| Retained earnings to average equity (ytd only) | 8.5657% | 1,023 |
| Net charge-offs to loans | 0.0691% | 2,130 |
| Credit loss provision to net charge-offs | 216.3039% | 1,337 |
| Earnings coverage of net charge-offs (x) | 66.0405% | 963 |
| Efficiency ratio | 49.4681% | 4,968 |
| Assets per employee ($millions) | 6.5502% | 1,194 |
| Cash dividends to net income (ytd only)* | 46.3990% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,105 |
| Loan loss allowance to noncurrent loans | 179.3855% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 3,049 |
| Noncurrent loans to loans | 0.7180% | 2,191 |
| Net loans and leases to total assets | 50.9420% | 4,459 |
| Net loans and leases to deposits | 62.4229% | 4,355 |
| Net loans and leases to core deposits | 63.6000% | 4,462 |
| Total domestic deposits to total assets | 81.6079% | 3,754 |
| Equity capital to assets | 12.1619% | 1,783 |
| Core capital (leverage) ratio | 10.3480% | 3,205 |
| Tier 1 risk-based capital ratio | 16.9748% | 2,076 |
| Total risk-based capital ratio | 18.1178% | 2,059 |
| Memoranda: | ||
| Average total assets | $7,534,287,600 | 169 |
| Average earning assets | $6,977,219,200 | 163 |
| Average equity | $894,155,800 | 173 |
| Average total loans | $3,792,878,400 | 212 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 3,564 |
| Cost of funding earning assets | 0.2446% | 4,820 |
| Net interest margin | 3.8763% | 2,382 |
| Noninterest income to average assets | 0.9764% | 993 |
| Noninterest expense to average assets | 2.2895% | 4,124 |
| Loan and lease loss provision to assets | 0.0688% | 2,600 |
| Net operating income to assets | 1.8617% | 536 |
| Return on assets (ROA) | 1.8797% | 511 |
| Pretax return on assets | 2.2334% | 381 |
| Return on Equity (ROE) | 15.9401% | 705 |
| Retained earnings to average equity (ytd only) | 10.9373% | 661 |
| Net charge-offs to loans | 0.0409% | 2,267 |
| Credit loss provision to net charge-offs | 336.0870% | 935 |
| Earnings coverage of net charge-offs (x) | 111.4422% | 694 |
| Efficiency ratio | 49.6877% | 4,959 |
| Assets per employee ($millions) | 6.3386% | 1,265 |
| Cash dividends to net income (ytd only)* | 31.3849% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 2,061 |
| Loan loss allowance to noncurrent loans | 198.1344% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 3,284 |
| Noncurrent loans to loans | 0.6608% | 2,429 |
| Net loans and leases to total assets | 50.8378% | 4,537 |
| Net loans and leases to deposits | 61.5541% | 4,467 |
| Net loans and leases to core deposits | 62.7331% | 4,584 |
| Total domestic deposits to total assets | 82.5905% | 3,436 |
| Equity capital to assets | 11.9597% | 1,935 |
| Core capital (leverage) ratio | 10.3577% | 3,227 |
| Tier 1 risk-based capital ratio | 17.1556% | 2,041 |
| Total risk-based capital ratio | 18.3090% | 2,024 |
| Memoranda: | ||
| Average total assets | $7,492,088,750 | 167 |
| Average earning assets | $6,946,185,250 | 164 |
| Average equity | $883,484,250 | 173 |
| Average total loans | $3,747,271,250 | 214 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 3,566 |
| Cost of funding earning assets | 0.2339% | 4,828 |
| Net interest margin | 3.8294% | 2,460 |
| Noninterest income to average assets | 0.9364% | 1,085 |
| Noninterest expense to average assets | 2.2998% | 4,144 |
| Loan and lease loss provision to assets | 0.0646% | 2,604 |
| Net operating income to assets | 1.7922% | 586 |
| Return on assets (ROA) | 1.8190% | 561 |
| Pretax return on assets | 2.1544% | 426 |
| Return on Equity (ROE) | 15.4996% | 757 |
| Retained earnings to average equity (ytd only) | 15.4996% | 178 |
| Net charge-offs to loans | 0.0335% | 2,179 |
| Credit loss provision to net charge-offs | 389.5161% | 841 |
| Earnings coverage of net charge-offs (x) | 131.8500% | 579 |
| Efficiency ratio | 50.7949% | 4,974 |
| Assets per employee ($millions) | 6.4181% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,189 |
| Loan loss allowance to noncurrent loans | 185.7951% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 3,299 |
| Noncurrent loans to loans | 0.6973% | 2,365 |
| Net loans and leases to total assets | 49.7048% | 4,624 |
| Net loans and leases to deposits | 60.6827% | 4,493 |
| Net loans and leases to core deposits | 62.0237% | 4,599 |
| Total domestic deposits to total assets | 81.9093% | 3,745 |
| Equity capital to assets | 11.9348% | 1,898 |
| Core capital (leverage) ratio | 10.2254% | 3,332 |
| Tier 1 risk-based capital ratio | 17.1288% | 2,057 |
| Total risk-based capital ratio | 18.2659% | 2,042 |
| Memoranda: | ||
| Average total assets | $7,475,139,670 | 166 |
| Average earning assets | $6,930,840,670 | 162 |
| Average equity | $877,276,000 | 172 |
| Average total loans | $3,701,183,000 | 215 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 3,530 |
| Cost of funding earning assets | 0.2123% | 4,941 |
| Net interest margin | 3.8109% | 2,381 |
| Noninterest income to average assets | 0.8935% | 1,162 |
| Noninterest expense to average assets | 2.3523% | 4,061 |
| Loan and lease loss provision to assets | 0.0710% | 2,343 |
| Net operating income to assets | 1.7030% | 685 |
| Return on assets (ROA) | 1.7559% | 618 |
| Pretax return on assets | 2.0683% | 504 |
| Return on Equity (ROE) | 15.0948% | 789 |
| Retained earnings to average equity (ytd only) | 15.0948% | 322 |
| Net charge-offs to loans | -0.0036% | 3,914 |
| Credit loss provision to net charge-offs | -3,969.6970% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6355% | 4,917 |
| Assets per employee ($millions) | 6.2416% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 2,145 |
| Loan loss allowance to noncurrent loans | 222.1579% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 3,593 |
| Noncurrent loans to loans | 0.5946% | 2,760 |
| Net loans and leases to total assets | 49.0408% | 4,625 |
| Net loans and leases to deposits | 59.0470% | 4,534 |
| Net loans and leases to core deposits | 60.1033% | 4,648 |
| Total domestic deposits to total assets | 83.0538% | 3,650 |
| Equity capital to assets | 11.7664% | 1,936 |
| Core capital (leverage) ratio | 9.8181% | 3,738 |
| Tier 1 risk-based capital ratio | 16.6033% | 2,241 |
| Total risk-based capital ratio | 17.7487% | 2,230 |
| Memoranda: | ||
| Average total assets | $7,384,286,000 | 169 |
| Average earning assets | $6,851,356,500 | 164 |
| Average equity | $858,999,000 | 176 |
| Average total loans | $3,623,890,000 | 218 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 4,017 |
| Cost of funding earning assets | 0.1445% | 5,292 |
| Net interest margin | 3.6649% | 2,933 |
| Noninterest income to average assets | 0.9388% | 1,168 |
| Noninterest expense to average assets | 2.2517% | 4,438 |
| Loan and lease loss provision to assets | 0.0938% | 2,332 |
| Net operating income to assets | 1.6319% | 610 |
| Return on assets (ROA) | 1.6534% | 597 |
| Pretax return on assets | 2.0086% | 479 |
| Return on Equity (ROE) | 14.7489% | 648 |
| Retained earnings to average equity (ytd only) | 11.6493% | 199 |
| Net charge-offs to loans | 0.1206% | 1,842 |
| Credit loss provision to net charge-offs | 157.2357% | 1,700 |
| Earnings coverage of net charge-offs (x) | 34.8168% | 1,382 |
| Efficiency ratio | 51.8241% | 5,113 |
| Assets per employee ($millions) | 6.3188% | 1,304 |
| Cash dividends to net income (ytd only)* | 21.0159% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 1,855 |
| Loan loss allowance to noncurrent loans | 268.1590% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 3,822 |
| Noncurrent loans to loans | 0.5130% | 2,978 |
| Net loans and leases to total assets | 47.7612% | 4,784 |
| Net loans and leases to deposits | 57.1168% | 4,741 |
| Net loans and leases to core deposits | 58.2044% | 4,842 |
| Total domestic deposits to total assets | 83.6202% | 3,347 |
| Equity capital to assets | 11.4935% | 2,209 |
| Core capital (leverage) ratio | 9.8040% | 3,692 |
| Tier 1 risk-based capital ratio | 16.4865% | 2,270 |
| Total risk-based capital ratio | 17.6775% | 2,224 |
| Memoranda: | ||
| Average total assets | $6,964,399,800 | 173 |
| Average earning assets | $6,440,244,200 | 167 |
| Average equity | $780,743,600 | 176 |
| Average total loans | $3,444,014,000 | 218 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 3,998 |
| Cost of funding earning assets | 0.1408% | 5,369 |
| Net interest margin | 3.6637% | 2,898 |
| Noninterest income to average assets | 0.9446% | 1,155 |
| Noninterest expense to average assets | 2.2677% | 4,380 |
| Loan and lease loss provision to assets | 0.0984% | 2,142 |
| Net operating income to assets | 1.5191% | 862 |
| Return on assets (ROA) | 1.5462% | 830 |
| Pretax return on assets | 2.0019% | 550 |
| Return on Equity (ROE) | 13.8842% | 859 |
| Retained earnings to average equity (ytd only) | 9.6841% | 655 |
| Net charge-offs to loans | 0.1146% | 1,646 |
| Credit loss provision to net charge-offs | 172.7180% | 1,516 |
| Earnings coverage of net charge-offs (x) | 36.2541% | 1,393 |
| Efficiency ratio | 52.1267% | 5,088 |
| Assets per employee ($millions) | 5.9740% | 1,514 |
| Cash dividends to net income (ytd only)* | 30.2508% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 2,008 |
| Loan loss allowance to noncurrent loans | 252.3539% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 3,856 |
| Noncurrent loans to loans | 0.5439% | 3,073 |
| Net loans and leases to total assets | 49.3074% | 4,750 |
| Net loans and leases to deposits | 59.4509% | 4,664 |
| Net loans and leases to core deposits | 60.6546% | 4,784 |
| Total domestic deposits to total assets | 82.9381% | 3,476 |
| Equity capital to assets | 11.5205% | 2,343 |
| Core capital (leverage) ratio | 9.3998% | 4,293 |
| Tier 1 risk-based capital ratio | 15.8994% | 2,549 |
| Total risk-based capital ratio | 17.0964% | 2,504 |
| Memoranda: | ||
| Average total assets | $6,898,309,750 | 174 |
| Average earning assets | $6,379,549,750 | 169 |
| Average equity | $768,220,500 | 176 |
| Average total loans | $3,429,842,750 | 219 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7698% | 4,003 |
| Cost of funding earning assets | 0.1219% | 5,497 |
| Net interest margin | 3.6478% | 2,850 |
| Noninterest income to average assets | 0.9355% | 1,167 |
| Noninterest expense to average assets | 2.2640% | 4,436 |
| Loan and lease loss provision to assets | 0.1070% | 1,896 |
| Net operating income to assets | 1.5007% | 862 |
| Return on assets (ROA) | 1.5176% | 857 |
| Pretax return on assets | 1.9566% | 581 |
| Return on Equity (ROE) | 13.7889% | 846 |
| Retained earnings to average equity (ytd only) | 7.3878% | 1,404 |
| Net charge-offs to loans | 0.1199% | 1,448 |
| Credit loss provision to net charge-offs | 179.7945% | 1,359 |
| Earnings coverage of net charge-offs (x) | 34.3131% | 1,370 |
| Efficiency ratio | 52.3546% | 5,151 |
| Assets per employee ($millions) | 5.9060% | 1,523 |
| Cash dividends to net income (ytd only)* | 46.4224% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 2,084 |
| Loan loss allowance to noncurrent loans | 216.9000% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 3,740 |
| Noncurrent loans to loans | 0.6322% | 2,832 |
| Net loans and leases to total assets | 49.2681% | 4,745 |
| Net loans and leases to deposits | 59.4929% | 4,667 |
| Net loans and leases to core deposits | 60.7539% | 4,784 |
| Total domestic deposits to total assets | 82.8133% | 3,624 |
| Equity capital to assets | 11.2083% | 2,579 |
| Core capital (leverage) ratio | 9.1748% | 4,523 |
| Tier 1 risk-based capital ratio | 15.1187% | 2,878 |
| Total risk-based capital ratio | 16.2975% | 2,845 |
| Memoranda: | ||
| Average total assets | $6,869,886,330 | 172 |
| Average earning assets | $6,347,248,670 | 168 |
| Average equity | $756,113,000 | 178 |
| Average total loans | $3,409,341,670 | 222 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 4,075 |
| Cost of funding earning assets | 0.1121% | 5,605 |
| Net interest margin | 3.6008% | 2,885 |
| Noninterest income to average assets | 0.8981% | 1,251 |
| Noninterest expense to average assets | 2.2332% | 4,569 |
| Loan and lease loss provision to assets | 0.1140% | 1,684 |
| Net operating income to assets | 1.4646% | 871 |
| Return on assets (ROA) | 1.4646% | 895 |
| Pretax return on assets | 1.8731% | 685 |
| Return on Equity (ROE) | 13.4318% | 918 |
| Retained earnings to average equity (ytd only) | 13.4318% | 340 |
| Net charge-offs to loans | 0.1816% | 931 |
| Credit loss provision to net charge-offs | 126.8705% | 1,336 |
| Earnings coverage of net charge-offs (x) | 22.1197% | 1,431 |
| Efficiency ratio | 52.6839% | 5,234 |
| Assets per employee ($millions) | 5.9635% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 2,239 |
| Loan loss allowance to noncurrent loans | 163.2053% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 3,475 |
| Noncurrent loans to loans | 0.8358% | 2,366 |
| Net loans and leases to total assets | 48.3650% | 4,794 |
| Net loans and leases to deposits | 58.0755% | 4,692 |
| Net loans and leases to core deposits | 59.3605% | 4,812 |
| Total domestic deposits to total assets | 83.2795% | 3,740 |
| Equity capital to assets | 11.0322% | 2,598 |
| Core capital (leverage) ratio | 9.1894% | 4,492 |
| Tier 1 risk-based capital ratio | 15.1997% | 2,872 |
| Total risk-based capital ratio | 16.3611% | 2,849 |
| Memoranda: | ||
| Average total assets | $6,843,896,000 | 172 |
| Average earning assets | $6,314,369,000 | 169 |
| Average equity | $746,259,000 | 180 |
| Average total loans | $3,385,173,000 | 222 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 3,972 |
| Cost of funding earning assets | 0.0893% | 5,748 |
| Net interest margin | 3.6897% | 2,741 |
| Noninterest income to average assets | 0.9725% | 1,211 |
| Noninterest expense to average assets | 2.2901% | 4,583 |
| Loan and lease loss provision to assets | 0.1539% | 1,628 |
| Net operating income to assets | 1.4987% | 833 |
| Return on assets (ROA) | 1.5133% | 835 |
| Pretax return on assets | 1.9560% | 555 |
| Return on Equity (ROE) | 13.4518% | 891 |
| Retained earnings to average equity (ytd only) | 7.5578% | 1,019 |
| Net charge-offs to loans | 0.1888% | 1,469 |
| Credit loss provision to net charge-offs | 161.8384% | 1,709 |
| Earnings coverage of net charge-offs (x) | 21.9870% | 1,753 |
| Efficiency ratio | 52.0205% | 5,384 |
| Assets per employee ($millions) | 5.7281% | 1,671 |
| Cash dividends to net income (ytd only)* | 43.8155% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 2,288 |
| Loan loss allowance to noncurrent loans | 165.5480% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 3,614 |
| Noncurrent loans to loans | 0.8171% | 2,481 |
| Net loans and leases to total assets | 49.2242% | 4,817 |
| Net loans and leases to deposits | 59.9012% | 4,675 |
| Net loans and leases to core deposits | 61.3490% | 4,787 |
| Total domestic deposits to total assets | 82.1757% | 4,022 |
| Equity capital to assets | 10.7735% | 2,841 |
| Core capital (leverage) ratio | 9.1033% | 4,614 |
| Tier 1 risk-based capital ratio | 14.6787% | 3,111 |
| Total risk-based capital ratio | 15.8383% | 3,090 |
| Memoranda: | ||
| Average total assets | $6,635,682,200 | 170 |
| Average earning assets | $6,129,781,800 | 166 |
| Average equity | $746,524,200 | 171 |
| Average total loans | $3,342,555,600 | 212 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7967% | 3,932 |
| Cost of funding earning assets | 0.0879% | 5,818 |
| Net interest margin | 3.7088% | 2,686 |
| Noninterest income to average assets | 0.9706% | 1,212 |
| Noninterest expense to average assets | 2.2875% | 4,565 |
| Loan and lease loss provision to assets | 0.1661% | 1,374 |
| Net operating income to assets | 1.5021% | 880 |
| Return on assets (ROA) | 1.5199% | 898 |
| Pretax return on assets | 1.9713% | 614 |
| Return on Equity (ROE) | 13.3648% | 956 |
| Retained earnings to average equity (ytd only) | 9.4563% | 701 |
| Net charge-offs to loans | 0.1920% | 1,224 |
| Credit loss provision to net charge-offs | 171.3005% | 1,627 |
| Earnings coverage of net charge-offs (x) | 21.8087% | 1,798 |
| Efficiency ratio | 51.7073% | 5,402 |
| Assets per employee ($millions) | 5.5738% | 1,781 |
| Cash dividends to net income (ytd only)* | 29.2444% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 2,465 |
| Loan loss allowance to noncurrent loans | 133.9306% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 3,409 |
| Noncurrent loans to loans | 1.0038% | 2,238 |
| Net loans and leases to total assets | 49.9062% | 4,826 |
| Net loans and leases to deposits | 62.4710% | 4,597 |
| Net loans and leases to core deposits | 64.2331% | 4,718 |
| Total domestic deposits to total assets | 79.8869% | 4,535 |
| Equity capital to assets | 11.6044% | 2,430 |
| Core capital (leverage) ratio | 9.1556% | 4,655 |
| Tier 1 risk-based capital ratio | 14.7760% | 3,153 |
| Total risk-based capital ratio | 15.9404% | 3,134 |
| Memoranda: | ||
| Average total assets | $6,599,083,500 | 172 |
| Average earning assets | $6,104,811,500 | 167 |
| Average equity | $750,489,250 | 172 |
| Average total loans | $3,332,143,250 | 212 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 3,929 |
| Cost of funding earning assets | 0.0872% | 5,902 |
| Net interest margin | 3.7204% | 2,614 |
| Noninterest income to average assets | 0.9461% | 1,251 |
| Noninterest expense to average assets | 2.2698% | 4,683 |
| Loan and lease loss provision to assets | 0.1333% | 1,715 |
| Net operating income to assets | 1.5230% | 855 |
| Return on assets (ROA) | 1.5444% | 863 |
| Pretax return on assets | 2.0137% | 554 |
| Return on Equity (ROE) | 13.6736% | 890 |
| Retained earnings to average equity (ytd only) | 13.6736% | 204 |
| Net charge-offs to loans | 0.0724% | 2,149 |
| Credit loss provision to net charge-offs | 364.8918% | 831 |
| Earnings coverage of net charge-offs (x) | 57.9967% | 905 |
| Efficiency ratio | 51.4390% | 5,479 |
| Assets per employee ($millions) | 5.5657% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 2,480 |
| Loan loss allowance to noncurrent loans | 115.1252% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 3,229 |
| Noncurrent loans to loans | 1.1827% | 1,943 |
| Net loans and leases to total assets | 49.5366% | 4,870 |
| Net loans and leases to deposits | 63.5823% | 4,522 |
| Net loans and leases to core deposits | 65.5355% | 4,646 |
| Total domestic deposits to total assets | 77.9093% | 5,017 |
| Equity capital to assets | 11.8746% | 2,214 |
| Core capital (leverage) ratio | 9.2204% | 4,563 |
| Tier 1 risk-based capital ratio | 14.5990% | 3,259 |
| Total risk-based capital ratio | 15.7501% | 3,248 |
| Memoranda: | ||
| Average total assets | $6,578,553,670 | 171 |
| Average earning assets | $6,088,107,330 | 165 |
| Average equity | $743,009,330 | 173 |
| Average total loans | $3,319,729,670 | 209 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8302% | 3,841 |
| Cost of funding earning assets | 0.0868% | 5,964 |
| Net interest margin | 3.7434% | 2,507 |
| Noninterest income to average assets | 0.9273% | 1,242 |
| Noninterest expense to average assets | 2.2742% | 4,726 |
| Loan and lease loss provision to assets | 0.1417% | 1,485 |
| Net operating income to assets | 1.5178% | 827 |
| Return on assets (ROA) | 1.5178% | 870 |
| Pretax return on assets | 1.9718% | 602 |
| Return on Equity (ROE) | 13.7936% | 877 |
| Retained earnings to average equity (ytd only) | 13.7936% | 335 |
| Net charge-offs to loans | 0.0160% | 2,620 |
| Credit loss provision to net charge-offs | 1,750.3759% | 235 |
| Earnings coverage of net charge-offs (x) | 261.1278% | 231 |
| Efficiency ratio | 51.5548% | 5,539 |
| Assets per employee ($millions) | 5.5117% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,731 |
| Loan loss allowance to noncurrent loans | 161.9639% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 3,868 |
| Noncurrent loans to loans | 0.8248% | 2,774 |
| Net loans and leases to total assets | 50.0501% | 4,801 |
| Net loans and leases to deposits | 63.1710% | 4,491 |
| Net loans and leases to core deposits | 65.4076% | 4,583 |
| Total domestic deposits to total assets | 79.2296% | 4,917 |
| Equity capital to assets | 11.4477% | 2,487 |
| Core capital (leverage) ratio | 8.7846% | 5,087 |
| Tier 1 risk-based capital ratio | 14.0168% | 3,681 |
| Total risk-based capital ratio | 15.1495% | 3,688 |
| Memoranda: | ||
| Average total assets | $6,572,963,000 | 172 |
| Average earning assets | $6,076,011,000 | 166 |
| Average equity | $723,260,500 | 175 |
| Average total loans | $3,324,900,500 | 207 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 3,910 |
| Cost of funding earning assets | 0.0714% | 6,062 |
| Net interest margin | 3.7714% | 2,476 |
| Noninterest income to average assets | 0.8685% | 1,537 |
| Noninterest expense to average assets | 2.1760% | 5,101 |
| Loan and lease loss provision to assets | 0.1562% | 1,500 |
| Net operating income to assets | 1.5537% | 778 |
| Return on assets (ROA) | 1.5590% | 793 |
| Pretax return on assets | 2.0418% | 495 |
| Return on Equity (ROE) | 14.9304% | 693 |
| Retained earnings to average equity (ytd only) | 8.1342% | 868 |
| Net charge-offs to loans | 0.1496% | 1,871 |
| Credit loss provision to net charge-offs | 209.0889% | 1,344 |
| Earnings coverage of net charge-offs (x) | 29.3284% | 1,478 |
| Efficiency ratio | 49.6201% | 5,776 |
| Assets per employee ($millions) | 5.7658% | 1,567 |
| Cash dividends to net income (ytd only)* | 45.5190% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 3,170 |
| Loan loss allowance to noncurrent loans | 144.7929% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 3,860 |
| Noncurrent loans to loans | 0.8632% | 2,624 |
| Net loans and leases to total assets | 49.8138% | 4,887 |
| Net loans and leases to deposits | 62.5907% | 4,587 |
| Net loans and leases to core deposits | 64.9436% | 4,678 |
| Total domestic deposits to total assets | 79.5865% | 4,845 |
| Equity capital to assets | 10.5687% | 3,287 |
| Core capital (leverage) ratio | 8.3734% | 5,551 |
| Tier 1 risk-based capital ratio | 13.3020% | 4,103 |
| Total risk-based capital ratio | 14.3721% | 4,149 |
| Memoranda: | ||
| Average total assets | $6,200,143,800 | 168 |
| Average earning assets | $5,751,655,600 | 160 |
| Average equity | $647,425,400 | 179 |
| Average total loans | $3,096,696,000 | 206 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 4,024 |
| Cost of funding earning assets | 0.0719% | 6,146 |
| Net interest margin | 3.7479% | 2,568 |
| Noninterest income to average assets | 0.8661% | 1,563 |
| Noninterest expense to average assets | 2.1464% | 5,180 |
| Loan and lease loss provision to assets | 0.1206% | 1,888 |
| Net operating income to assets | 1.5832% | 800 |
| Return on assets (ROA) | 1.5895% | 825 |
| Pretax return on assets | 2.0902% | 512 |
| Return on Equity (ROE) | 15.2723% | 691 |
| Retained earnings to average equity (ytd only) | 10.6442% | 529 |
| Net charge-offs to loans | 0.0840% | 2,345 |
| Credit loss provision to net charge-offs | 288.0753% | 998 |
| Earnings coverage of net charge-offs (x) | 52.6124% | 1,010 |
| Efficiency ratio | 49.1731% | 5,818 |
| Assets per employee ($millions) | 5.5571% | 1,729 |
| Cash dividends to net income (ytd only)* | 30.3043% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 3,490 |
| Loan loss allowance to noncurrent loans | 185.0648% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 4,398 |
| Noncurrent loans to loans | 0.6642% | 3,339 |
| Net loans and leases to total assets | 50.3861% | 4,902 |
| Net loans and leases to deposits | 62.6856% | 4,666 |
| Net loans and leases to core deposits | 65.2900% | 4,740 |
| Total domestic deposits to total assets | 80.3791% | 4,644 |
| Equity capital to assets | 10.9028% | 3,126 |
| Core capital (leverage) ratio | 8.3832% | 5,640 |
| Tier 1 risk-based capital ratio | 13.4313% | 4,176 |
| Total risk-based capital ratio | 14.4842% | 4,217 |
| Memoranda: | ||
| Average total assets | $6,089,637,000 | 170 |
| Average earning assets | $5,658,882,750 | 163 |
| Average equity | $633,784,000 | 180 |
| Average total loans | $3,033,221,750 | 212 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 4,109 |
| Cost of funding earning assets | 0.0715% | 6,215 |
| Net interest margin | 3.7151% | 2,646 |
| Noninterest income to average assets | 0.8055% | 1,755 |
| Noninterest expense to average assets | 2.0613% | 5,415 |
| Loan and lease loss provision to assets | 0.0953% | 2,223 |
| Net operating income to assets | 1.5935% | 752 |
| Return on assets (ROA) | 1.5997% | 767 |
| Pretax return on assets | 2.1114% | 489 |
| Return on Equity (ROE) | 15.6386% | 653 |
| Retained earnings to average equity (ytd only) | 15.6386% | 163 |
| Net charge-offs to loans | 0.0454% | 2,791 |
| Credit loss provision to net charge-offs | 425.1121% | 708 |
| Earnings coverage of net charge-offs (x) | 98.1061% | 609 |
| Efficiency ratio | 48.2630% | 5,949 |
| Assets per employee ($millions) | 5.6787% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 3,166 |
| Loan loss allowance to noncurrent loans | 230.8589% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 4,724 |
| Noncurrent loans to loans | 0.5692% | 3,743 |
| Net loans and leases to total assets | 48.0660% | 5,100 |
| Net loans and leases to deposits | 61.0376% | 4,772 |
| Net loans and leases to core deposits | 63.4825% | 4,847 |
| Total domestic deposits to total assets | 78.7483% | 5,149 |
| Equity capital to assets | 10.2642% | 3,731 |
| Core capital (leverage) ratio | 8.6138% | 5,423 |
| Tier 1 risk-based capital ratio | 14.1957% | 3,817 |
| Total risk-based capital ratio | 15.3148% | 3,826 |
| Memoranda: | ||
| Average total assets | $5,970,773,000 | 170 |
| Average earning assets | $5,551,740,670 | 164 |
| Average equity | $610,771,670 | 187 |
| Average total loans | $2,948,155,000 | 220 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7810% | 4,084 |
| Cost of funding earning assets | 0.0710% | 6,293 |
| Net interest margin | 3.7100% | 2,585 |
| Noninterest income to average assets | 0.7577% | 1,873 |
| Noninterest expense to average assets | 2.0408% | 5,501 |
| Loan and lease loss provision to assets | 0.0873% | 2,233 |
| Net operating income to assets | 1.5714% | 749 |
| Return on assets (ROA) | 1.5717% | 784 |
| Pretax return on assets | 2.0781% | 507 |
| Return on Equity (ROE) | 15.3916% | 652 |
| Retained earnings to average equity (ytd only) | 15.3916% | 254 |
| Net charge-offs to loans | 0.0389% | 2,443 |
| Credit loss provision to net charge-offs | 451.0490% | 595 |
| Earnings coverage of net charge-offs (x) | 111.8427% | 449 |
| Efficiency ratio | 48.3778% | 6,005 |
| Assets per employee ($millions) | 5.8225% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 3,476 |
| Loan loss allowance to noncurrent loans | 198.1561% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 4,656 |
| Noncurrent loans to loans | 0.6496% | 3,653 |
| Net loans and leases to total assets | 48.3235% | 5,000 |
| Net loans and leases to deposits | 59.1449% | 4,814 |
| Net loans and leases to core deposits | 61.6351% | 4,863 |
| Total domestic deposits to total assets | 81.7037% | 4,607 |
| Equity capital to assets | 10.3458% | 3,725 |
| Core capital (leverage) ratio | 8.4485% | 5,577 |
| Tier 1 risk-based capital ratio | 13.7937% | 4,151 |
| Total risk-based capital ratio | 14.9057% | 4,151 |
| Memoranda: | ||
| Average total assets | $5,909,549,500 | 170 |
| Average earning assets | $5,492,626,000 | 165 |
| Average equity | $603,447,500 | 187 |
| Average total loans | $2,938,348,500 | 216 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 3,987 |
| Cost of funding earning assets | 0.0838% | 6,366 |
| Net interest margin | 3.8533% | 2,415 |
| Noninterest income to average assets | 0.8787% | 1,576 |
| Noninterest expense to average assets | 2.2914% | 5,134 |
| Loan and lease loss provision to assets | 0.0820% | 2,842 |
| Net operating income to assets | 1.5644% | 773 |
| Return on assets (ROA) | 1.5643% | 800 |
| Pretax return on assets | 2.0631% | 451 |
| Return on Equity (ROE) | 15.7038% | 662 |
| Retained earnings to average equity (ytd only) | 9.8784% | 538 |
| Net charge-offs to loans | 0.0552% | 3,726 |
| Credit loss provision to net charge-offs | 289.7469% | 884 |
| Earnings coverage of net charge-offs (x) | 75.8060% | 665 |
| Efficiency ratio | 51.5344% | 6,014 |
| Assets per employee ($millions) | 6.9737% | 857 |
| Cash dividends to net income (ytd only)* | 37.0953% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 3,705 |
| Loan loss allowance to noncurrent loans | 180.0068% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 4,595 |
| Noncurrent loans to loans | 0.6963% | 3,600 |
| Net loans and leases to total assets | 49.8819% | 4,989 |
| Net loans and leases to deposits | 60.1140% | 4,890 |
| Net loans and leases to core deposits | 62.8305% | 4,932 |
| Total domestic deposits to total assets | 82.9789% | 4,085 |
| Equity capital to assets | 10.0727% | 4,017 |
| Core capital (leverage) ratio | 8.2374% | 5,834 |
| Tier 1 risk-based capital ratio | 13.3579% | 4,501 |
| Total risk-based capital ratio | 14.4733% | 4,496 |
| Memoranda: | ||
| Average total assets | $5,445,548,200 | 175 |
| Average earning assets | $5,028,167,800 | 170 |
| Average equity | $542,455,800 | 193 |
| Average total loans | $2,790,499,000 | 210 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 3,895 |
| Cost of funding earning assets | 0.0855% | 6,447 |
| Net interest margin | 3.8816% | 2,320 |
| Noninterest income to average assets | 0.8891% | 1,553 |
| Noninterest expense to average assets | 2.3027% | 5,094 |
| Loan and lease loss provision to assets | 0.0924% | 2,507 |
| Net operating income to assets | 1.5758% | 800 |
| Return on assets (ROA) | 1.5757% | 824 |
| Pretax return on assets | 2.0763% | 478 |
| Return on Equity (ROE) | 15.8666% | 688 |
| Retained earnings to average equity (ytd only) | 7.9412% | 1,393 |
| Net charge-offs to loans | 0.0592% | 3,363 |
| Credit loss provision to net charge-offs | 303.6007% | 901 |
| Earnings coverage of net charge-offs (x) | 71.2546% | 767 |
| Efficiency ratio | 51.3801% | 6,030 |
| Assets per employee ($millions) | 6.7023% | 913 |
| Cash dividends to net income (ytd only)* | 49.9502% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 3,747 |
| Loan loss allowance to noncurrent loans | 162.7734% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 4,639 |
| Noncurrent loans to loans | 0.7872% | 3,613 |
| Net loans and leases to total assets | 50.5760% | 4,937 |
| Net loans and leases to deposits | 61.6324% | 4,778 |
| Net loans and leases to core deposits | 64.6269% | 4,833 |
| Total domestic deposits to total assets | 82.0607% | 4,460 |
| Equity capital to assets | 10.0261% | 4,132 |
| Core capital (leverage) ratio | 8.2097% | 5,918 |
| Tier 1 risk-based capital ratio | 13.0672% | 4,821 |
| Total risk-based capital ratio | 14.2014% | 4,813 |
| Memoranda: | ||
| Average total assets | $5,352,919,000 | 176 |
| Average earning assets | $4,940,288,750 | 170 |
| Average equity | $531,611,750 | 193 |
| Average total loans | $2,753,626,250 | 208 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 3,762 |
| Cost of funding earning assets | 0.0858% | 6,513 |
| Net interest margin | 3.9044% | 2,144 |
| Noninterest income to average assets | 0.8755% | 1,573 |
| Noninterest expense to average assets | 2.3394% | 5,061 |
| Loan and lease loss provision to assets | 0.1064% | 2,245 |
| Net operating income to assets | 1.5463% | 798 |
| Return on assets (ROA) | 1.5461% | 833 |
| Pretax return on assets | 2.0249% | 529 |
| Return on Equity (ROE) | 15.6203% | 691 |
| Retained earnings to average equity (ytd only) | 9.5849% | 822 |
| Net charge-offs to loans | 0.0603% | 3,113 |
| Credit loss provision to net charge-offs | 342.3358% | 774 |
| Earnings coverage of net charge-offs (x) | 68.5815% | 738 |
| Efficiency ratio | 52.2005% | 6,048 |
| Assets per employee ($millions) | 6.6170% | 957 |
| Cash dividends to net income (ytd only)* | 38.6384% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 3,917 |
| Loan loss allowance to noncurrent loans | 151.9688% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4766% | 4,573 |
| Noncurrent loans to loans | 0.8475% | 3,583 |
| Net loans and leases to total assets | 50.7581% | 4,882 |
| Net loans and leases to deposits | 62.5213% | 4,636 |
| Net loans and leases to core deposits | 65.8395% | 4,657 |
| Total domestic deposits to total assets | 81.1853% | 4,922 |
| Equity capital to assets | 10.0605% | 4,021 |
| Core capital (leverage) ratio | 8.2171% | 5,911 |
| Tier 1 risk-based capital ratio | 13.2830% | 4,730 |
| Total risk-based capital ratio | 14.4401% | 4,720 |
| Memoranda: | ||
| Average total assets | $5,289,636,330 | 179 |
| Average earning assets | $4,871,115,000 | 171 |
| Average equity | $523,574,670 | 196 |
| Average total loans | $2,724,936,330 | 208 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 3,675 |
| Cost of funding earning assets | 0.0870% | 6,595 |
| Net interest margin | 3.9152% | 2,038 |
| Noninterest income to average assets | 0.9059% | 1,371 |
| Noninterest expense to average assets | 2.2762% | 5,260 |
| Loan and lease loss provision to assets | 0.1294% | 1,877 |
| Net operating income to assets | 1.6043% | 666 |
| Return on assets (ROA) | 1.6040% | 693 |
| Pretax return on assets | 2.1001% | 428 |
| Return on Equity (ROE) | 16.3446% | 604 |
| Retained earnings to average equity (ytd only) | 16.3446% | 255 |
| Net charge-offs to loans | 0.1332% | 1,915 |
| Credit loss provision to net charge-offs | 188.4058% | 1,091 |
| Earnings coverage of net charge-offs (x) | 32.4693% | 1,000 |
| Efficiency ratio | 50.3874% | 6,231 |
| Assets per employee ($millions) | 6.3538% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 4,199 |
| Loan loss allowance to noncurrent loans | 140.2361% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 4,588 |
| Noncurrent loans to loans | 0.9167% | 3,593 |
| Net loans and leases to total assets | 50.6990% | 4,830 |
| Net loans and leases to deposits | 61.8497% | 4,565 |
| Net loans and leases to core deposits | 64.9229% | 4,604 |
| Total domestic deposits to total assets | 81.9714% | 4,952 |
| Equity capital to assets | 10.0906% | 3,735 |
| Core capital (leverage) ratio | 8.3032% | 5,842 |
| Tier 1 risk-based capital ratio | 13.5526% | 4,648 |
| Total risk-based capital ratio | 14.7071% | 4,659 |
| Memoranda: | ||
| Average total assets | $5,224,786,000 | 179 |
| Average earning assets | $4,804,180,000 | 174 |
| Average equity | $512,757,000 | 199 |
| Average total loans | $2,694,082,500 | 207 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,191 |
| Cost of funding earning assets | 0.0933% | 6,691 |
| Net interest margin | 3.8780% | 2,380 |
| Noninterest income to average assets | 0.9458% | 1,537 |
| Noninterest expense to average assets | 2.3574% | 5,210 |
| Loan and lease loss provision to assets | 0.0779% | 3,554 |
| Net operating income to assets | 1.5664% | 735 |
| Return on assets (ROA) | 1.5687% | 757 |
| Pretax return on assets | 2.0755% | 409 |
| Return on Equity (ROE) | 15.5899% | 676 |
| Retained earnings to average equity (ytd only) | 3.3413% | 3,856 |
| Net charge-offs to loans | 0.1937% | 2,918 |
| Credit loss provision to net charge-offs | 80.0043% | 3,043 |
| Earnings coverage of net charge-offs (x) | 22.0917% | 1,464 |
| Efficiency ratio | 52.2063% | 6,279 |
| Assets per employee ($millions) | 6.2067% | 1,142 |
| Cash dividends to net income (ytd only)* | 78.5673% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 4,340 |
| Loan loss allowance to noncurrent loans | 120.8125% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 4,452 |
| Noncurrent loans to loans | 1.0433% | 3,426 |
| Net loans and leases to total assets | 51.1175% | 4,962 |
| Net loans and leases to deposits | 63.0339% | 4,604 |
| Net loans and leases to core deposits | 66.1289% | 4,682 |
| Total domestic deposits to total assets | 81.0953% | 5,144 |
| Equity capital to assets | 9.5341% | 4,373 |
| Core capital (leverage) ratio | 8.0410% | 6,106 |
| Tier 1 risk-based capital ratio | 12.9192% | 5,036 |
| Total risk-based capital ratio | 14.0538% | 5,060 |
| Memoranda: | ||
| Average total assets | $4,819,476,600 | 182 |
| Average earning assets | $4,426,566,200 | 175 |
| Average equity | $484,955,400 | 200 |
| Average total loans | $2,421,980,000 | 213 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 4,372 |
| Cost of funding earning assets | 0.0938% | 6,776 |
| Net interest margin | 3.8407% | 2,502 |
| Noninterest income to average assets | 0.9656% | 1,560 |
| Noninterest expense to average assets | 2.3767% | 5,088 |
| Loan and lease loss provision to assets | 0.0728% | 3,601 |
| Net operating income to assets | 1.5482% | 825 |
| Return on assets (ROA) | 1.5514% | 868 |
| Pretax return on assets | 2.0503% | 515 |
| Return on Equity (ROE) | 15.1982% | 771 |
| Retained earnings to average equity (ytd only) | 7.3482% | 1,708 |
| Net charge-offs to loans | 0.1483% | 3,058 |
| Credit loss provision to net charge-offs | 98.5496% | 2,421 |
| Earnings coverage of net charge-offs (x) | 28.6660% | 1,274 |
| Efficiency ratio | 52.7899% | 6,197 |
| Assets per employee ($millions) | 5.9957% | 1,244 |
| Cash dividends to net income (ytd only)* | 51.6505% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 4,234 |
| Loan loss allowance to noncurrent loans | 152.2243% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 4,768 |
| Noncurrent loans to loans | 0.8743% | 4,069 |
| Net loans and leases to total assets | 51.1055% | 4,994 |
| Net loans and leases to deposits | 63.6230% | 4,553 |
| Net loans and leases to core deposits | 66.4755% | 4,671 |
| Total domestic deposits to total assets | 80.3256% | 5,419 |
| Equity capital to assets | 9.9112% | 4,035 |
| Core capital (leverage) ratio | 8.4251% | 5,836 |
| Tier 1 risk-based capital ratio | 13.2323% | 4,963 |
| Total risk-based capital ratio | 14.3605% | 4,995 |
| Memoranda: | ||
| Average total assets | $4,725,599,000 | 182 |
| Average earning assets | $4,343,473,500 | 176 |
| Average equity | $482,371,000 | 198 |
| Average total loans | $2,355,113,000 | 215 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 4,655 |
| Cost of funding earning assets | 0.0889% | 6,842 |
| Net interest margin | 3.7614% | 2,716 |
| Noninterest income to average assets | 0.9142% | 1,769 |
| Noninterest expense to average assets | 2.2385% | 5,526 |
| Loan and lease loss provision to assets | 0.0534% | 3,921 |
| Net operating income to assets | 1.5655% | 797 |
| Return on assets (ROA) | 1.5738% | 850 |
| Pretax return on assets | 2.0913% | 501 |
| Return on Equity (ROE) | 15.2565% | 765 |
| Retained earnings to average equity (ytd only) | 9.2948% | 1,029 |
| Net charge-offs to loans | 0.1739% | 2,728 |
| Credit loss provision to net charge-offs | 62.5254% | 2,972 |
| Earnings coverage of net charge-offs (x) | 24.9833% | 1,277 |
| Efficiency ratio | 51.1560% | 6,343 |
| Assets per employee ($millions) | 5.8022% | 1,350 |
| Cash dividends to net income (ytd only)* | 39.0765% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 4,391 |
| Loan loss allowance to noncurrent loans | 128.9772% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 4,679 |
| Noncurrent loans to loans | 1.0252% | 3,882 |
| Net loans and leases to total assets | 51.3574% | 4,944 |
| Net loans and leases to deposits | 64.1667% | 4,479 |
| Net loans and leases to core deposits | 67.8574% | 4,514 |
| Total domestic deposits to total assets | 80.0375% | 5,597 |
| Equity capital to assets | 10.3897% | 3,441 |
| Core capital (leverage) ratio | 8.4707% | 5,706 |
| Tier 1 risk-based capital ratio | 13.2675% | 4,943 |
| Total risk-based capital ratio | 14.3885% | 4,982 |
| Memoranda: | ||
| Average total assets | $4,618,000,670 | 183 |
| Average earning assets | $4,245,525,330 | 177 |
| Average equity | $476,375,330 | 200 |
| Average total loans | $2,268,547,670 | 223 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 4,614 |
| Cost of funding earning assets | 0.0906% | 6,920 |
| Net interest margin | 3.7697% | 2,569 |
| Noninterest income to average assets | 0.8941% | 1,780 |
| Noninterest expense to average assets | 2.2286% | 5,615 |
| Loan and lease loss provision to assets | 0.0360% | 3,990 |
| Net operating income to assets | 1.5726% | 744 |
| Return on assets (ROA) | 1.5876% | 784 |
| Pretax return on assets | 2.1109% | 482 |
| Return on Equity (ROE) | 15.4521% | 686 |
| Retained earnings to average equity (ytd only) | 3.0274% | 4,469 |
| Net charge-offs to loans | 0.1073% | 2,801 |
| Credit loss provision to net charge-offs | 70.7231% | 2,282 |
| Earnings coverage of net charge-offs (x) | 41.7284% | 762 |
| Efficiency ratio | 51.1455% | 6,431 |
| Assets per employee ($millions) | 5.9339% | 1,303 |
| Cash dividends to net income (ytd only)* | 80.4077% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 3,307 |
| Loan loss allowance to noncurrent loans | 153.8926% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 4,947 |
| Noncurrent loans to loans | 1.0537% | 4,031 |
| Net loans and leases to total assets | 47.5179% | 5,277 |
| Net loans and leases to deposits | 57.7647% | 5,068 |
| Net loans and leases to core deposits | 60.1429% | 5,140 |
| Total domestic deposits to total assets | 82.2611% | 5,111 |
| Equity capital to assets | 10.3221% | 3,769 |
| Core capital (leverage) ratio | 8.2258% | 5,910 |
| Tier 1 risk-based capital ratio | 13.4972% | 4,874 |
| Total risk-based capital ratio | 14.7521% | 4,827 |
| Memoranda: | ||
| Average total assets | $4,449,477,500 | 191 |
| Average earning assets | $4,085,613,500 | 185 |
| Average equity | $457,155,500 | 212 |
| Average total loans | $2,113,380,000 | 242 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 5,140 |
| Cost of funding earning assets | 0.1319% | 6,958 |
| Net interest margin | 3.9200% | 2,745 |
| Noninterest income to average assets | 0.9278% | 1,778 |
| Noninterest expense to average assets | 2.2955% | 5,702 |
| Loan and lease loss provision to assets | 0.0808% | 4,690 |
| Net operating income to assets | 1.5870% | 771 |
| Return on assets (ROA) | 1.6352% | 785 |
| Pretax return on assets | 2.1859% | 423 |
| Return on Equity (ROE) | 15.7614% | 692 |
| Retained earnings to average equity (ytd only) | 3.6952% | 3,617 |
| Net charge-offs to loans | 0.1542% | 4,160 |
| Credit loss provision to net charge-offs | 117.7027% | 2,442 |
| Earnings coverage of net charge-offs (x) | 32.0966% | 963 |
| Efficiency ratio | 50.9576% | 6,526 |
| Assets per employee ($millions) | 5.8538% | 1,391 |
| Cash dividends to net income (ytd only)* | 76.5556% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 3,051 |
| Loan loss allowance to noncurrent loans | 159.2303% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 5,067 |
| Noncurrent loans to loans | 1.0475% | 4,117 |
| Net loans and leases to total assets | 45.9226% | 5,622 |
| Net loans and leases to deposits | 55.4062% | 5,499 |
| Net loans and leases to core deposits | 57.6518% | 5,581 |
| Total domestic deposits to total assets | 82.8835% | 4,766 |
| Equity capital to assets | 10.2271% | 3,855 |
| Core capital (leverage) ratio | 8.2369% | 5,955 |
| Tier 1 risk-based capital ratio | 13.6107% | 4,665 |
| Total risk-based capital ratio | 14.8665% | 4,606 |
| Memoranda: | ||
| Average total assets | $4,313,692,400 | 190 |
| Average earning assets | $3,928,670,400 | 187 |
| Average equity | $447,529,400 | 214 |
| Average total loans | $1,919,236,000 | 257 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6471% | 6,318 |
| Cost of funding earning assets | 0.0940% | 7,117 |
| Net interest margin | 3.5531% | 4,428 |
| Noninterest income to average assets | 0.9104% | 1,793 |
| Noninterest expense to average assets | 1.9446% | 6,452 |
| Loan and lease loss provision to assets | 0.0772% | 4,672 |
| Net operating income to assets | 1.5972% | 851 |
| Return on assets (ROA) | 1.6836% | 788 |
| Pretax return on assets | 2.2181% | 465 |
| Return on Equity (ROE) | 18.7640% | 419 |
| Retained earnings to average equity (ytd only) | 5.1090% | 3,290 |
| Net charge-offs to loans | 0.0610% | 4,813 |
| Credit loss provision to net charge-offs | 359.0717% | 747 |
| Earnings coverage of net charge-offs (x) | 101.4353% | 418 |
| Efficiency ratio | 47.1221% | 6,764 |
| Assets per employee ($millions) | 6.8071% | 811 |
| Cash dividends to net income (ytd only)* | 72.7724% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 4,660 |
| Loan loss allowance to noncurrent loans | 297.1076% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 6,276 |
| Noncurrent loans to loans | 0.4487% | 5,549 |
| Net loans and leases to total assets | 37.7311% | 6,431 |
| Net loans and leases to deposits | 50.9186% | 6,047 |
| Net loans and leases to core deposits | 52.8420% | 6,126 |
| Total domestic deposits to total assets | 74.1007% | 6,596 |
| Equity capital to assets | 9.0415% | 5,789 |
| Core capital (leverage) ratio | 7.4886% | 6,628 |
| Tier 1 risk-based capital ratio | 13.4140% | 4,939 |
| Total risk-based capital ratio | 14.3746% | 5,109 |
| Memoranda: | ||
| Average total assets | $1,469,138,000 | 457 |
| Average earning assets | $1,329,695,000 | 454 |
| Average equity | $131,816,250 | 549 |
| Average total loans | $517,888,250 | 805 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 6,408 |
| Cost of funding earning assets | 0.1003% | 7,177 |
| Net interest margin | 3.5556% | 4,439 |
| Noninterest income to average assets | 0.8915% | 1,814 |
| Noninterest expense to average assets | 1.9241% | 6,559 |
| Loan and lease loss provision to assets | 0.0605% | 4,896 |
| Net operating income to assets | 1.6109% | 819 |
| Return on assets (ROA) | 1.6481% | 848 |
| Pretax return on assets | 2.1681% | 515 |
| Return on Equity (ROE) | 18.4178% | 462 |
| Retained earnings to average equity (ytd only) | 4.5941% | 3,551 |
| Net charge-offs to loans | 0.0185% | 5,152 |
| Credit loss provision to net charge-offs | 956.5217% | 345 |
| Earnings coverage of net charge-offs (x) | 344.7391% | 120 |
| Efficiency ratio | 46.8801% | 6,838 |
| Assets per employee ($millions) | 7.0120% | 725 |
| Cash dividends to net income (ytd only)* | 75.0563% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 4,555 |
| Loan loss allowance to noncurrent loans | 277.1852% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 6,344 |
| Noncurrent loans to loans | 0.4958% | 5,543 |
| Net loans and leases to total assets | 35.6273% | 6,627 |
| Net loans and leases to deposits | 47.5349% | 6,340 |
| Net loans and leases to core deposits | 49.5711% | 6,364 |
| Total domestic deposits to total assets | 74.9499% | 6,593 |
| Equity capital to assets | 8.8422% | 5,864 |
| Core capital (leverage) ratio | 7.5584% | 6,597 |
| Tier 1 risk-based capital ratio | 13.2625% | 4,993 |
| Total risk-based capital ratio | 14.2028% | 5,194 |
| Memoranda: | ||
| Average total assets | $1,455,127,670 | 460 |
| Average earning assets | $1,314,613,670 | 462 |
| Average equity | $130,211,000 | 554 |
| Average total loans | $497,889,670 | 833 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 6,421 |
| Cost of funding earning assets | 0.1084% | 7,240 |
| Net interest margin | 3.6023% | 4,264 |
| Noninterest income to average assets | 0.8896% | 1,790 |
| Noninterest expense to average assets | 1.9156% | 6,615 |
| Loan and lease loss provision to assets | 0.0812% | 4,376 |
| Net operating income to assets | 1.6150% | 840 |
| Return on assets (ROA) | 1.6611% | 865 |
| Pretax return on assets | 2.1919% | 543 |
| Return on Equity (ROE) | 18.4479% | 499 |
| Retained earnings to average equity (ytd only) | 4.4581% | 3,915 |
| Net charge-offs to loans | 0.0126% | 4,525 |
| Credit loss provision to net charge-offs | 1,933.3333% | 172 |
| Earnings coverage of net charge-offs (x) | 526.8667% | 45 |
| Efficiency ratio | 46.3922% | 6,878 |
| Assets per employee ($millions) | 6.8703% | 806 |
| Cash dividends to net income (ytd only)* | 75.8342% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 3,941 |
| Loan loss allowance to noncurrent loans | 821.0702% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 6,736 |
| Noncurrent loans to loans | 0.1888% | 6,302 |
| Net loans and leases to total assets | 32.4187% | 6,807 |
| Net loans and leases to deposits | 42.2995% | 6,642 |
| Net loans and leases to core deposits | 44.1839% | 6,646 |
| Total domestic deposits to total assets | 76.6408% | 6,464 |
| Equity capital to assets | 8.9343% | 5,590 |
| Core capital (leverage) ratio | 7.7065% | 6,479 |
| Tier 1 risk-based capital ratio | 14.5871% | 4,030 |
| Total risk-based capital ratio | 15.6195% | 4,171 |
| Memoranda: | ||
| Average total assets | $1,428,905,000 | 469 |
| Average earning assets | $1,284,530,000 | 470 |
| Average equity | $128,665,000 | 556 |
| Average total loans | $474,538,500 | 868 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 6,400 |
| Cost of funding earning assets | 0.1493% | 7,279 |
| Net interest margin | 3.8827% | 3,414 |
| Noninterest income to average assets | 1.0041% | 1,358 |
| Noninterest expense to average assets | 2.0794% | 6,531 |
| Loan and lease loss provision to assets | 0.0581% | 5,873 |
| Net operating income to assets | 1.7704% | 488 |
| Return on assets (ROA) | 1.7855% | 513 |
| Pretax return on assets | 2.3937% | 256 |
| Return on Equity (ROE) | 19.1484% | 307 |
| Retained earnings to average equity (ytd only) | 7.0591% | 1,477 |
| Net charge-offs to loans | 0.0850% | 5,473 |
| Credit loss provision to net charge-offs | 193.7984% | 1,313 |
| Earnings coverage of net charge-offs (x) | 81.1008% | 365 |
| Efficiency ratio | 46.0413% | 7,042 |
| Assets per employee ($millions) | 6.7383% | 844 |
| Cash dividends to net income (ytd only)* | 63.1346% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 4,047 |
| Loan loss allowance to noncurrent loans | 1,248.2394% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 6,864 |
| Noncurrent loans to loans | 0.1198% | 6,513 |
| Net loans and leases to total assets | 32.9952% | 6,914 |
| Net loans and leases to deposits | 42.2739% | 6,791 |
| Net loans and leases to core deposits | 44.1092% | 6,811 |
| Total domestic deposits to total assets | 78.0508% | 6,179 |
| Equity capital to assets | 9.0759% | 5,452 |
| Core capital (leverage) ratio | 7.9432% | 6,316 |
| Tier 1 risk-based capital ratio | 14.4709% | 3,991 |
| Total risk-based capital ratio | 15.4709% | 4,120 |
| Memoranda: | ||
| Average total assets | $1,290,747,000 | 503 |
| Average earning assets | $1,165,805,200 | 505 |
| Average equity | $120,354,800 | 576 |
| Average total loans | $455,138,600 | 919 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 6,397 |
| Cost of funding earning assets | 0.1575% | 7,358 |
| Net interest margin | 3.9500% | 3,158 |
| Noninterest income to average assets | 1.0251% | 1,283 |
| Noninterest expense to average assets | 2.1379% | 6,434 |
| Loan and lease loss provision to assets | 0.0635% | 5,658 |
| Net operating income to assets | 1.7907% | 529 |
| Return on assets (ROA) | 1.8071% | 556 |
| Pretax return on assets | 2.4244% | 283 |
| Return on Equity (ROE) | 19.2362% | 362 |
| Retained earnings to average equity (ytd only) | 8.5325% | 1,302 |
| Net charge-offs to loans | 0.0713% | 5,246 |
| Credit loss provision to net charge-offs | 248.9627% | 1,153 |
| Earnings coverage of net charge-offs (x) | 96.6708% | 374 |
| Efficiency ratio | 46.3790% | 7,039 |
| Assets per employee ($millions) | 6.3530% | 1,013 |
| Cash dividends to net income (ytd only)* | 55.6434% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 3,784 |
| Loan loss allowance to noncurrent loans | 1,186.9347% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 6,929 |
| Noncurrent loans to loans | 0.1326% | 6,608 |
| Net loans and leases to total assets | 34.0359% | 6,951 |
| Net loans and leases to deposits | 43.3809% | 6,862 |
| Net loans and leases to core deposits | 45.6046% | 6,862 |
| Total domestic deposits to total assets | 78.4582% | 6,101 |
| Equity capital to assets | 9.7759% | 4,659 |
| Core capital (leverage) ratio | 8.3468% | 5,921 |
| Tier 1 risk-based capital ratio | 15.5944% | 3,336 |
| Total risk-based capital ratio | 16.6816% | 3,396 |
| Memoranda: | ||
| Average total assets | $1,259,673,500 | 526 |
| Average earning assets | $1,141,280,750 | 523 |
| Average equity | $118,336,500 | 589 |
| Average total loans | $450,427,000 | 945 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 6,402 |
| Cost of funding earning assets | 0.1665% | 7,433 |
| Net interest margin | 3.9745% | 2,969 |
| Noninterest income to average assets | 1.0247% | 1,262 |
| Noninterest expense to average assets | 2.1730% | 6,445 |
| Loan and lease loss provision to assets | 0.0803% | 5,306 |
| Net operating income to assets | 1.7766% | 528 |
| Return on assets (ROA) | 1.8014% | 539 |
| Pretax return on assets | 2.4154% | 281 |
| Return on Equity (ROE) | 19.4516% | 346 |
| Retained earnings to average equity (ytd only) | 9.9148% | 864 |
| Net charge-offs to loans | 0.0608% | 5,046 |
| Credit loss provision to net charge-offs | 364.9635% | 838 |
| Earnings coverage of net charge-offs (x) | 111.9343% | 323 |
| Efficiency ratio | 46.8147% | 7,120 |
| Assets per employee ($millions) | 5.8794% | 1,248 |
| Cash dividends to net income (ytd only)* | 49.0283% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 3,784 |
| Loan loss allowance to noncurrent loans | 857.3156% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 6,929 |
| Noncurrent loans to loans | 0.1842% | 6,537 |
| Net loans and leases to total assets | 35.6116% | 6,980 |
| Net loans and leases to deposits | 45.6906% | 6,842 |
| Net loans and leases to core deposits | 48.0857% | 6,851 |
| Total domestic deposits to total assets | 77.9408% | 6,300 |
| Equity capital to assets | 9.8180% | 4,371 |
| Core capital (leverage) ratio | 8.3336% | 5,818 |
| Tier 1 risk-based capital ratio | 16.0991% | 2,929 |
| Total risk-based capital ratio | 17.2413% | 2,947 |
| Memoranda: | ||
| Average total assets | $1,245,443,330 | 538 |
| Average earning assets | $1,131,500,330 | 530 |
| Average equity | $115,342,670 | 606 |
| Average total loans | $450,450,330 | 961 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 6,444 |
| Cost of funding earning assets | 0.1743% | 7,493 |
| Net interest margin | 3.9543% | 2,898 |
| Noninterest income to average assets | 1.0036% | 1,316 |
| Noninterest expense to average assets | 2.1611% | 6,512 |
| Loan and lease loss provision to assets | 0.0962% | 4,809 |
| Net operating income to assets | 1.7413% | 543 |
| Return on assets (ROA) | 1.7909% | 522 |
| Pretax return on assets | 2.3980% | 289 |
| Return on Equity (ROE) | 19.9330% | 331 |
| Retained earnings to average equity (ytd only) | 10.1217% | 1,097 |
| Net charge-offs to loans | 0.0612% | 4,317 |
| Credit loss provision to net charge-offs | 434.7826% | 798 |
| Earnings coverage of net charge-offs (x) | 109.7826% | 298 |
| Efficiency ratio | 47.0140% | 7,158 |
| Assets per employee ($millions) | 6.0214% | 1,179 |
| Cash dividends to net income (ytd only)* | 49.2214% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 3,932 |
| Loan loss allowance to noncurrent loans | 492.7762% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 6,874 |
| Noncurrent loans to loans | 0.3158% | 6,360 |
| Net loans and leases to total assets | 35.8372% | 7,010 |
| Net loans and leases to deposits | 45.9920% | 6,852 |
| Net loans and leases to core deposits | 48.0863% | 6,875 |
| Total domestic deposits to total assets | 77.9206% | 6,390 |
| Equity capital to assets | 9.3067% | 4,717 |
| Core capital (leverage) ratio | 8.1546% | 6,040 |
| Tier 1 risk-based capital ratio | 15.5357% | 3,144 |
| Total risk-based capital ratio | 16.6484% | 3,171 |
| Memoranda: | ||
| Average total assets | $1,247,890,000 | 536 |
| Average earning assets | $1,131,533,000 | 535 |
| Average equity | $112,115,500 | 613 |
| Average total loans | $451,240,500 | 969 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 6,735 |
| Cost of funding earning assets | 0.3124% | 7,492 |
| Net interest margin | 4.0165% | 2,948 |
| Noninterest income to average assets | 1.1414% | 1,137 |
| Noninterest expense to average assets | 2.2661% | 6,444 |
| Loan and lease loss provision to assets | 0.0638% | 6,506 |
| Net operating income to assets | 1.8041% | 414 |
| Return on assets (ROA) | 1.8100% | 442 |
| Pretax return on assets | 2.4422% | 200 |
| Return on Equity (ROE) | 19.4877% | 282 |
| Retained earnings to average equity (ytd only) | 11.6470% | 305 |
| Net charge-offs to loans | 0.0886% | 5,957 |
| Credit loss provision to net charge-offs | 196.8085% | 1,611 |
| Earnings coverage of net charge-offs (x) | 77.0878% | 317 |
| Efficiency ratio | 47.4158% | 7,289 |
| Assets per employee ($millions) | 6.1228% | 1,131 |
| Cash dividends to net income (ytd only)* | 40.2343% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 4,133 |
| Loan loss allowance to noncurrent loans | 399.2285% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 6,849 |
| Noncurrent loans to loans | 0.3701% | 6,316 |
| Net loans and leases to total assets | 35.3936% | 7,185 |
| Net loans and leases to deposits | 44.0749% | 7,118 |
| Net loans and leases to core deposits | 46.3566% | 7,127 |
| Total domestic deposits to total assets | 80.3033% | 5,749 |
| Equity capital to assets | 8.6721% | 5,622 |
| Core capital (leverage) ratio | 8.1998% | 5,824 |
| Tier 1 risk-based capital ratio | 14.6529% | 3,448 |
| Total risk-based capital ratio | 15.6984% | 3,537 |
| Memoranda: | ||
| Average total assets | $1,160,324,600 | 574 |
| Average earning assets | $1,046,558,200 | 574 |
| Average equity | $107,770,600 | 627 |
| Average total loans | $424,401,800 | 1,052 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 6,831 |
| Cost of funding earning assets | 0.3477% | 7,609 |
| Net interest margin | 4.0414% | 2,902 |
| Noninterest income to average assets | 1.1620% | 1,032 |
| Noninterest expense to average assets | 2.3095% | 6,295 |
| Loan and lease loss provision to assets | 0.0470% | 6,617 |
| Net operating income to assets | 1.8163% | 480 |
| Return on assets (ROA) | 1.8197% | 523 |
| Pretax return on assets | 2.4559% | 247 |
| Return on Equity (ROE) | 19.2357% | 373 |
| Retained earnings to average equity (ytd only) | 12.5839% | 391 |
| Net charge-offs to loans | 0.0790% | 5,733 |
| Credit loss provision to net charge-offs | 161.9433% | 2,326 |
| Earnings coverage of net charge-offs (x) | 85.9947% | 359 |
| Efficiency ratio | 47.8814% | 7,278 |
| Assets per employee ($millions) | 5.8593% | 1,337 |
| Cash dividends to net income (ytd only)* | 34.5809% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,819 |
| Loan loss allowance to noncurrent loans | 690.2542% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 7,145 |
| Noncurrent loans to loans | 0.2219% | 6,734 |
| Net loans and leases to total assets | 35.3862% | 7,292 |
| Net loans and leases to deposits | 45.7928% | 7,180 |
| Net loans and leases to core deposits | 49.0357% | 7,157 |
| Total domestic deposits to total assets | 77.2747% | 6,425 |
| Equity capital to assets | 9.7836% | 4,434 |
| Core capital (leverage) ratio | 8.2258% | 6,001 |
| Tier 1 risk-based capital ratio | 14.9371% | 3,284 |
| Total risk-based capital ratio | 16.0118% | 3,347 |
| Memoranda: | ||
| Average total assets | $1,133,549,750 | 580 |
| Average earning assets | $1,022,619,750 | 582 |
| Average equity | $107,235,250 | 619 |
| Average total loans | $416,673,750 | 1,086 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 6,800 |
| Cost of funding earning assets | 0.3697% | 7,681 |
| Net interest margin | 4.0814% | 2,645 |
| Noninterest income to average assets | 1.1076% | 1,076 |
| Noninterest expense to average assets | 2.3138% | 6,318 |
| Loan and lease loss provision to assets | 0.0448% | 6,525 |
| Net operating income to assets | 1.7873% | 498 |
| Return on assets (ROA) | 1.7918% | 541 |
| Pretax return on assets | 2.4124% | 276 |
| Return on Equity (ROE) | 19.1719% | 376 |
| Retained earnings to average equity (ytd only) | 14.6692% | 265 |
| Net charge-offs to loans | 0.1179% | 5,001 |
| Credit loss provision to net charge-offs | 102.4590% | 3,981 |
| Earnings coverage of net charge-offs (x) | 56.0984% | 545 |
| Efficiency ratio | 48.3972% | 7,321 |
| Assets per employee ($millions) | 5.5667% | 1,564 |
| Cash dividends to net income (ytd only)* | 23.4859% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,783 |
| Loan loss allowance to noncurrent loans | 1,576.4851% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 7,310 |
| Noncurrent loans to loans | 0.0969% | 7,071 |
| Net loans and leases to total assets | 35.9737% | 7,352 |
| Net loans and leases to deposits | 45.0254% | 7,287 |
| Net loans and leases to core deposits | 48.2152% | 7,276 |
| Total domestic deposits to total assets | 79.8965% | 5,757 |
| Equity capital to assets | 9.5362% | 4,652 |
| Core capital (leverage) ratio | 8.1235% | 6,080 |
| Tier 1 risk-based capital ratio | 15.2867% | 3,017 |
| Total risk-based capital ratio | 16.3910% | 3,040 |
| Memoranda: | ||
| Average total assets | $1,116,874,330 | 588 |
| Average earning assets | $1,000,827,000 | 596 |
| Average equity | $104,381,670 | 633 |
| Average total loans | $413,785,330 | 1,106 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 6,829 |
| Cost of funding earning assets | 0.3851% | 7,781 |
| Net interest margin | 4.0939% | 2,467 |
| Noninterest income to average assets | 1.0638% | 1,125 |
| Noninterest expense to average assets | 2.2822% | 6,433 |
| Loan and lease loss provision to assets | 0.0543% | 6,119 |
| Net operating income to assets | 1.7626% | 539 |
| Return on assets (ROA) | 1.7626% | 588 |
| Pretax return on assets | 2.3687% | 313 |
| Return on Equity (ROE) | 19.0602% | 436 |
| Retained earnings to average equity (ytd only) | 14.7533% | 431 |
| Net charge-offs to loans | 0.1679% | 3,919 |
| Credit loss provision to net charge-offs | 86.7052% | 3,727 |
| Earnings coverage of net charge-offs (x) | 38.6821% | 712 |
| Efficiency ratio | 48.3263% | 7,416 |
| Assets per employee ($millions) | 5.4466% | 1,723 |
| Cash dividends to net income (ytd only)* | 22.5965% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 3,589 |
| Loan loss allowance to noncurrent loans | 1,859.2375% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 7,266 |
| Noncurrent loans to loans | 0.0843% | 7,181 |
| Net loans and leases to total assets | 35.4900% | 7,442 |
| Net loans and leases to deposits | 46.0863% | 7,330 |
| Net loans and leases to core deposits | 47.8604% | 7,371 |
| Total domestic deposits to total assets | 77.0077% | 6,562 |
| Equity capital to assets | 9.3030% | 4,826 |
| Core capital (leverage) ratio | 8.0099% | 6,228 |
| Tier 1 risk-based capital ratio | 14.8298% | 3,195 |
| Total risk-based capital ratio | 15.9428% | 3,231 |
| Memoranda: | ||
| Average total assets | $1,104,729,500 | 612 |
| Average earning assets | $982,627,000 | 620 |
| Average equity | $102,160,500 | 652 |
| Average total loans | $412,234,000 | 1,144 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 7,097 |
| Cost of funding earning assets | 0.4908% | 7,841 |
| Net interest margin | 4.2350% | 1,958 |
| Noninterest income to average assets | 1.3148% | 868 |
| Noninterest expense to average assets | 2.5379% | 5,997 |
| Loan and lease loss provision to assets | 0.0879% | 6,733 |
| Net operating income to assets | 1.8232% | 341 |
| Return on assets (ROA) | 1.8826% | 307 |
| Pretax return on assets | 2.5380% | 152 |
| Return on Equity (ROE) | 21.2105% | 189 |
| Retained earnings to average equity (ytd only) | 9.6236% | 415 |
| Net charge-offs to loans | 0.0823% | 6,287 |
| Credit loss provision to net charge-offs | 265.9884% | 1,318 |
| Earnings coverage of net charge-offs (x) | 76.9942% | 351 |
| Efficiency ratio | 49.6871% | 7,554 |
| Assets per employee ($millions) | 5.1295% | 2,041 |
| Cash dividends to net income (ytd only)* | 54.6281% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 3,642 |
| Loan loss allowance to noncurrent loans | 544.3114% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 7,221 |
| Noncurrent loans to loans | 0.2784% | 6,731 |
| Net loans and leases to total assets | 38.0306% | 7,448 |
| Net loans and leases to deposits | 47.0357% | 7,394 |
| Net loans and leases to core deposits | 51.7995% | 7,533 |
| Total domestic deposits to total assets | 80.8549% | 5,390 |
| Equity capital to assets | 9.1904% | 4,859 |
| Core capital (leverage) ratio | 7.8682% | 6,361 |
| Tier 1 risk-based capital ratio | 13.9558% | 3,527 |
| Total risk-based capital ratio | 15.0552% | 3,567 |
| Memoranda: | ||
| Average total assets | $1,040,443,600 | 648 |
| Average earning assets | $925,875,200 | 657 |
| Average equity | $92,345,600 | 702 |
| Average total loans | $417,852,400 | 1,152 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 7,216 |
| Cost of funding earning assets | 0.5109% | 7,938 |
| Net interest margin | 4.2330% | 1,933 |
| Noninterest income to average assets | 1.3354% | 862 |
| Noninterest expense to average assets | 2.5673% | 5,833 |
| Loan and lease loss provision to assets | 0.0830% | 6,539 |
| Net operating income to assets | 1.8345% | 412 |
| Return on assets (ROA) | 1.9146% | 374 |
| Pretax return on assets | 2.5870% | 170 |
| Return on Equity (ROE) | 21.7758% | 214 |
| Retained earnings to average equity (ytd only) | 11.4569% | 420 |
| Net charge-offs to loans | 0.0712% | 5,974 |
| Credit loss provision to net charge-offs | 286.9955% | 1,455 |
| Earnings coverage of net charge-offs (x) | 88.6310% | 398 |
| Efficiency ratio | 49.8168% | 7,570 |
| Assets per employee ($millions) | 4.8454% | 2,338 |
| Cash dividends to net income (ytd only)* | 47.3869% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 2,999 |
| Loan loss allowance to noncurrent loans | 394.0355% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 7,143 |
| Noncurrent loans to loans | 0.4056% | 6,527 |
| Net loans and leases to total assets | 37.9374% | 7,550 |
| Net loans and leases to deposits | 48.3418% | 7,483 |
| Net loans and leases to core deposits | 53.6687% | 7,604 |
| Total domestic deposits to total assets | 78.4776% | 5,956 |
| Equity capital to assets | 10.0177% | 4,064 |
| Core capital (leverage) ratio | 8.0851% | 6,210 |
| Tier 1 risk-based capital ratio | 14.8168% | 3,125 |
| Total risk-based capital ratio | 15.9732% | 3,119 |
| Memoranda: | ||
| Average total assets | $1,028,691,500 | 664 |
| Average earning assets | $921,949,000 | 673 |
| Average equity | $90,446,750 | 720 |
| Average total loans | $417,333,500 | 1,170 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 7,287 |
| Cost of funding earning assets | 0.5300% | 8,031 |
| Net interest margin | 4.2335% | 1,869 |
| Noninterest income to average assets | 1.3182% | 881 |
| Noninterest expense to average assets | 2.5710% | 5,856 |
| Loan and lease loss provision to assets | 0.0917% | 6,252 |
| Net operating income to assets | 1.7951% | 473 |
| Return on assets (ROA) | 1.8514% | 450 |
| Pretax return on assets | 2.5003% | 216 |
| Return on Equity (ROE) | 22.0539% | 234 |
| Retained earnings to average equity (ytd only) | 14.2325% | 247 |
| Net charge-offs to loans | 0.0764% | 5,444 |
| Credit loss provision to net charge-offs | 291.4110% | 1,603 |
| Earnings coverage of net charge-offs (x) | 79.9264% | 479 |
| Efficiency ratio | 50.2980% | 7,649 |
| Assets per employee ($millions) | 4.6963% | 2,470 |
| Cash dividends to net income (ytd only)* | 35.4647% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 3,269 |
| Loan loss allowance to noncurrent loans | 1,187.7432% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 7,453 |
| Noncurrent loans to loans | 0.1252% | 7,204 |
| Net loans and leases to total assets | 40.0634% | 7,549 |
| Net loans and leases to deposits | 51.2222% | 7,422 |
| Net loans and leases to core deposits | 57.4069% | 7,542 |
| Total domestic deposits to total assets | 78.2149% | 6,017 |
| Equity capital to assets | 9.0534% | 5,239 |
| Core capital (leverage) ratio | 8.0885% | 6,183 |
| Tier 1 risk-based capital ratio | 13.9765% | 3,536 |
| Total risk-based capital ratio | 15.0702% | 3,557 |
| Memoranda: | ||
| Average total assets | $1,035,642,670 | 676 |
| Average earning assets | $921,937,000 | 683 |
| Average equity | $86,941,670 | 758 |
| Average total loans | $426,925,330 | 1,165 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 7,346 |
| Cost of funding earning assets | 0.5639% | 8,072 |
| Net interest margin | 4.2522% | 1,739 |
| Noninterest income to average assets | 1.3397% | 797 |
| Noninterest expense to average assets | 2.4139% | 6,146 |
| Loan and lease loss provision to assets | 0.0954% | 5,741 |
| Net operating income to assets | 1.8929% | 440 |
| Return on assets (ROA) | 1.9222% | 458 |
| Pretax return on assets | 2.6271% | 202 |
| Return on Equity (ROE) | 23.7951% | 225 |
| Retained earnings to average equity (ytd only) | 7.7397% | 1,908 |
| Net charge-offs to loans | 0.0496% | 4,786 |
| Credit loss provision to net charge-offs | 462.9630% | 1,151 |
| Earnings coverage of net charge-offs (x) | 130.2222% | 335 |
| Efficiency ratio | 47.1108% | 7,782 |
| Assets per employee ($millions) | 4.6125% | 2,550 |
| Cash dividends to net income (ytd only)* | 67.4737% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 3,201 |
| Loan loss allowance to noncurrent loans | 1,976.2376% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 7,508 |
| Noncurrent loans to loans | 0.0737% | 7,316 |
| Net loans and leases to total assets | 40.8762% | 7,525 |
| Net loans and leases to deposits | 51.0729% | 7,456 |
| Net loans and leases to core deposits | 57.0600% | 7,564 |
| Total domestic deposits to total assets | 80.0350% | 5,357 |
| Equity capital to assets | 8.7361% | 5,712 |
| Core capital (leverage) ratio | 7.0962% | 7,563 |
| Tier 1 risk-based capital ratio | 13.3312% | 3,977 |
| Total risk-based capital ratio | 14.4179% | 3,992 |
| Memoranda: | ||
| Average total assets | $1,048,614,000 | 666 |
| Average earning assets | $926,389,500 | 681 |
| Average equity | $84,706,500 | 781 |
| Average total loans | $435,075,500 | 1,162 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 7,791 |
| Cost of funding earning assets | 1.1002% | 8,007 |
| Net interest margin | 3.9731% | 3,251 |
| Noninterest income to average assets | 1.3276% | 826 |
| Noninterest expense to average assets | 2.3700% | 6,500 |
| Loan and lease loss provision to assets | 0.1385% | 5,587 |
| Net operating income to assets | 1.6547% | 739 |
| Return on assets (ROA) | 1.6863% | 671 |
| Pretax return on assets | 2.3072% | 310 |
| Return on Equity (ROE) | 22.7898% | 224 |
| Retained earnings to average equity (ytd only) | 6.7806% | 1,231 |
| Net charge-offs to loans | 0.0908% | 5,442 |
| Credit loss provision to net charge-offs | 358.9109% | 1,235 |
| Earnings coverage of net charge-offs (x) | 62.2500% | 647 |
| Efficiency ratio | 49.3284% | 7,707 |
| Assets per employee ($millions) | 4.4045% | 2,784 |
| Cash dividends to net income (ytd only)* | 70.2470% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 4,031 |
| Loan loss allowance to noncurrent loans | 2,161.5672% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 7,471 |
| Noncurrent loans to loans | 0.0584% | 7,273 |
| Net loans and leases to total assets | 40.9759% | 7,625 |
| Net loans and leases to deposits | 53.7132% | 7,455 |
| Net loans and leases to core deposits | 59.5887% | 7,599 |
| Total domestic deposits to total assets | 76.2865% | 6,174 |
| Equity capital to assets | 7.4876% | 7,390 |
| Core capital (leverage) ratio | 6.9692% | 7,715 |
| Tier 1 risk-based capital ratio | 12.0877% | 4,748 |
| Total risk-based capital ratio | 13.0620% | 4,881 |
| Memoranda: | ||
| Average total assets | $1,046,815,200 | 632 |
| Average earning assets | $907,643,200 | 656 |
| Average equity | $77,455,800 | 858 |
| Average total loans | $445,006,200 | 1,080 |