Home > Fremont Bank > Performance and Condition Ratios
Fremont 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 | 5.4812% | 1,186 |
| Cost of funding earning assets | 1.5482% | 1,816 |
| Net interest margin | 3.9330% | 1,311 |
| Noninterest income to average assets | 1.1300% | 529 |
| Noninterest expense to average assets | 3.3344% | 710 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.3340% | 1,360 |
| Return on assets (ROA) | 1.3380% | 1,324 |
| Pretax return on assets | 1.3821% | 1,675 |
| Return on Equity (ROE) | 18.8300% | 722 |
| Retained earnings to average equity (ytd only) | 7.6918% | 1,633 |
| Net charge-offs to loans | 0.0007% | 2,869 |
| Credit loss provision to net charge-offs | 13,751.6129% | 38 |
| Earnings coverage of net charge-offs (x) | 2,636.6774% | 51 |
| Efficiency ratio | 69.2555% | 1,983 |
| Assets per employee ($millions) | 7.5149% | 1,721 |
| Cash dividends to net income (ytd only)* | 59.1484% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,239 |
| Loan loss allowance to noncurrent loans | 218.4972% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 1,060 |
| Noncurrent loans to loans | 0.6586% | 1,192 |
| Net loans and leases to total assets | 79.2600% | 730 |
| Net loans and leases to deposits | 88.8362% | 1,355 |
| Net loans and leases to core deposits | 95.4819% | 1,682 |
| Total domestic deposits to total assets | 89.2200% | 996 |
| Equity capital to assets | 7.3655% | 3,784 |
| Core capital (leverage) ratio | 7.9674% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8235% | 2,622 |
| Memoranda: | ||
| Average total assets | $5,521,886,600 | 259 |
| Average earning assets | $5,175,533,200 | 247 |
| Average equity | $392,393,000 | 320 |
| Average total loans | $4,500,547,600 | 217 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 1,177 |
| Cost of funding earning assets | 1.4370% | 1,773 |
| Net interest margin | 3.9341% | 1,332 |
| Noninterest income to average assets | 1.3100% | 455 |
| Noninterest expense to average assets | 3.3037% | 718 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.5348% | 1,056 |
| Return on assets (ROA) | 1.5290% | 1,051 |
| Pretax return on assets | 1.5781% | 1,402 |
| Return on Equity (ROE) | 21.7200% | 585 |
| Retained earnings to average equity (ytd only) | 11.8370% | 1,000 |
| Net charge-offs to loans | -0.0247% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.1705% | 2,257 |
| Assets per employee ($millions) | 7.6068% | 1,563 |
| Cash dividends to net income (ytd only)* | 45.4971% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,256 |
| Loan loss allowance to noncurrent loans | 186.7037% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 974 |
| Noncurrent loans to loans | 0.7764% | 1,066 |
| Net loans and leases to total assets | 76.8300% | 1,012 |
| Net loans and leases to deposits | 85.7936% | 1,595 |
| Net loans and leases to core deposits | 91.4645% | 1,835 |
| Total domestic deposits to total assets | 89.5500% | 1,056 |
| Equity capital to assets | 7.0873% | 3,571 |
| Core capital (leverage) ratio | 8.1444% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0372% | 2,598 |
| Memoranda: | ||
| Average total assets | $5,500,834,250 | 262 |
| Average earning assets | $5,154,151,000 | 251 |
| Average equity | $387,262,500 | 324 |
| Average total loans | $4,498,654,250 | 222 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 1,081 |
| Cost of funding earning assets | 1.0191% | 1,984 |
| Net interest margin | 4.0875% | 1,117 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 3.2173% | 778 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.1881% | 1,963 |
| Return on assets (ROA) | 1.1998% | 1,891 |
| Pretax return on assets | 1.2444% | 2,319 |
| Return on Equity (ROE) | 17.4100% | 1,111 |
| Retained earnings to average equity (ytd only) | 7.4059% | 2,389 |
| Net charge-offs to loans | -0.0135% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.5472% | 1,699 |
| Assets per employee ($millions) | 7.3922% | 1,684 |
| Cash dividends to net income (ytd only)* | 57.4537% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 1,881 |
| Loan loss allowance to noncurrent loans | 397.4506% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 1,751 |
| Noncurrent loans to loans | 0.3357% | 1,947 |
| Net loans and leases to total assets | 81.8900% | 384 |
| Net loans and leases to deposits | 94.4826% | 758 |
| Net loans and leases to core deposits | 99.1457% | 1,129 |
| Total domestic deposits to total assets | 86.6700% | 2,382 |
| Equity capital to assets | 6.9972% | 3,832 |
| Core capital (leverage) ratio | 7.7821% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1791% | 2,921 |
| Memoranda: | ||
| Average total assets | $5,454,742,500 | 267 |
| Average earning assets | $5,116,086,500 | 256 |
| Average equity | $375,971,500 | 331 |
| Average total loans | $4,538,539,500 | 220 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 2,387 |
| Cost of funding earning assets | 0.1827% | 3,887 |
| Net interest margin | 3.5751% | 1,715 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 3.2136% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9219% | 2,878 |
| Return on assets (ROA) | 0.8813% | 2,980 |
| Pretax return on assets | 0.9150% | 3,313 |
| Return on Equity (ROE) | 13.2600% | 1,720 |
| Retained earnings to average equity (ytd only) | 5.2638% | 2,946 |
| Net charge-offs to loans | -0.0073% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.0230% | 919 |
| Assets per employee ($millions) | 7.2719% | 1,774 |
| Cash dividends to net income (ytd only)* | 60.3077% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 1,745 |
| Loan loss allowance to noncurrent loans | 339.4838% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 1,539 |
| Noncurrent loans to loans | 0.3932% | 1,741 |
| Net loans and leases to total assets | 82.2900% | 383 |
| Net loans and leases to deposits | 91.3489% | 956 |
| Net loans and leases to core deposits | 95.1209% | 1,246 |
| Total domestic deposits to total assets | 90.0900% | 1,326 |
| Equity capital to assets | 6.7876% | 3,774 |
| Core capital (leverage) ratio | 7.6346% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0063% | 2,970 |
| Memoranda: | ||
| Average total assets | $5,531,399,200 | 255 |
| Average earning assets | $5,227,445,400 | 246 |
| Average equity | $367,605,200 | 333 |
| Average total loans | $4,297,137,400 | 218 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 2,636 |
| Cost of funding earning assets | 0.0890% | 4,354 |
| Net interest margin | 3.4060% | 1,957 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 3.1426% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6753% | 3,633 |
| Return on assets (ROA) | 0.6255% | 3,718 |
| Pretax return on assets | 0.7108% | 3,780 |
| Return on Equity (ROE) | 9.4600% | 2,888 |
| Retained earnings to average equity (ytd only) | 2.9958% | 3,773 |
| Net charge-offs to loans | -0.0123% | 3,791 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.3471% | 756 |
| Assets per employee ($millions) | 7.1520% | 1,841 |
| Cash dividends to net income (ytd only)* | 68.3354% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 1,820 |
| Loan loss allowance to noncurrent loans | 376.5651% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 1,782 |
| Noncurrent loans to loans | 0.3577% | 1,953 |
| Net loans and leases to total assets | 80.5100% | 489 |
| Net loans and leases to deposits | 86.9305% | 1,111 |
| Net loans and leases to core deposits | 88.4504% | 1,391 |
| Total domestic deposits to total assets | 92.6200% | 680 |
| Equity capital to assets | 6.4613% | 3,763 |
| Core capital (leverage) ratio | 7.3781% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7685% | 3,073 |
| Memoranda: | ||
| Average total assets | $5,552,590,500 | 255 |
| Average earning assets | $5,256,258,500 | 246 |
| Average equity | $367,082,000 | 334 |
| Average total loans | $4,235,687,250 | 217 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2510% | 2,894 |
| Cost of funding earning assets | 0.0571% | 4,550 |
| Net interest margin | 3.1939% | 2,204 |
| Noninterest income to average assets | 0.7082% | 1,300 |
| Noninterest expense to average assets | 3.1469% | 681 |
| Loan and lease loss provision to assets | 0.0012% | 2,585 |
| Net operating income to assets | 0.5077% | 3,871 |
| Return on assets (ROA) | 0.4805% | 3,896 |
| Pretax return on assets | 0.5593% | 3,905 |
| Return on Equity (ROE) | 7.2135% | 3,249 |
| Retained earnings to average equity (ytd only) | 1.4919% | 3,883 |
| Net charge-offs to loans | -0.0135% | 3,712 |
| Credit loss provision to net charge-offs | -12.1429% | 2,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1620% | 674 |
| Assets per employee ($millions) | 6.6532% | 2,208 |
| Cash dividends to net income (ytd only)* | 79.3176% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 1,914 |
| Loan loss allowance to noncurrent loans | 367.6663% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 1,833 |
| Noncurrent loans to loans | 0.3705% | 2,036 |
| Net loans and leases to total assets | 77.9965% | 554 |
| Net loans and leases to deposits | 84.2813% | 1,101 |
| Net loans and leases to core deposits | 84.6179% | 1,413 |
| Total domestic deposits to total assets | 92.5431% | 640 |
| Equity capital to assets | 6.5446% | 4,002 |
| Core capital (leverage) ratio | 7.3849% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8154% | 3,038 |
| Memoranda: | ||
| Average total assets | $5,563,007,667 | 250 |
| Average earning assets | $5,279,156,667 | 247 |
| Average equity | $370,526,000 | 335 |
| Average total loans | $4,145,534,000 | 217 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0782% | 3,044 |
| Cost of funding earning assets | 0.0570% | 4,551 |
| Net interest margin | 3.0212% | 2,435 |
| Noninterest income to average assets | 0.7766% | 1,098 |
| Noninterest expense to average assets | 3.1407% | 658 |
| Loan and lease loss provision to assets | 0.0015% | 2,265 |
| Net operating income to assets | 0.4802% | 3,760 |
| Return on assets (ROA) | 0.4430% | 3,829 |
| Pretax return on assets | 0.4631% | 3,928 |
| Return on Equity (ROE) | 6.5935% | 3,159 |
| Retained earnings to average equity (ytd only) | 1.0532% | 3,814 |
| Net charge-offs to loans | -0.0095% | 3,566 |
| Credit loss provision to net charge-offs | -22.1053% | 2,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1875% | 729 |
| Assets per employee ($millions) | 6.3972% | 2,452 |
| Cash dividends to net income (ytd only)* | 84.0268% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,577 |
| Loan loss allowance to noncurrent loans | 332.2911% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 1,806 |
| Noncurrent loans to loans | 0.4486% | 1,904 |
| Net loans and leases to total assets | 71.9306% | 839 |
| Net loans and leases to deposits | 77.6137% | 1,317 |
| Net loans and leases to core deposits | 77.9568% | 1,616 |
| Total domestic deposits to total assets | 92.6778% | 353 |
| Equity capital to assets | 6.4481% | 4,445 |
| Core capital (leverage) ratio | 6.8895% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7432% | 3,064 |
| Memoranda: | ||
| Average total assets | $5,533,538,500 | 256 |
| Average earning assets | $5,251,996,000 | 250 |
| Average equity | $371,823,000 | 341 |
| Average total loans | $3,995,559,500 | 222 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1133% | 3,658 |
| Cost of funding earning assets | 0.0779% | 4,546 |
| Net interest margin | 3.0355% | 3,091 |
| Noninterest income to average assets | 2.1050% | 288 |
| Noninterest expense to average assets | 3.6014% | 430 |
| Loan and lease loss provision to assets | 0.0778% | 1,568 |
| Net operating income to assets | 1.2586% | 1,720 |
| Return on assets (ROA) | 1.2525% | 1,793 |
| Pretax return on assets | 1.2974% | 2,368 |
| Return on Equity (ROE) | 17.6627% | 498 |
| Retained earnings to average equity (ytd only) | 7.7648% | 1,631 |
| Net charge-offs to loans | -0.0151% | 3,879 |
| Credit loss provision to net charge-offs | -734.1463% | 3,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2752% | 1,482 |
| Assets per employee ($millions) | 5.9109% | 2,852 |
| Cash dividends to net income (ytd only)* | 56.0385% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 1,460 |
| Loan loss allowance to noncurrent loans | 284.0547% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 1,691 |
| Noncurrent loans to loans | 0.5382% | 1,781 |
| Net loans and leases to total assets | 70.2984% | 1,013 |
| Net loans and leases to deposits | 76.5252% | 1,528 |
| Net loans and leases to core deposits | 76.8907% | 1,848 |
| Total domestic deposits to total assets | 91.8631% | 219 |
| Equity capital to assets | 6.9920% | 4,722 |
| Core capital (leverage) ratio | 6.7937% | 4,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0882% | 3,036 |
| Memoranda: | ||
| Average total assets | $5,417,015,000 | 256 |
| Average earning assets | $5,135,811,600 | 247 |
| Average equity | $384,130,600 | 328 |
| Average total loans | $3,810,096,000 | 228 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1548% | 3,693 |
| Cost of funding earning assets | 0.0794% | 4,634 |
| Net interest margin | 3.0754% | 3,114 |
| Noninterest income to average assets | 2.4359% | 250 |
| Noninterest expense to average assets | 3.6415% | 390 |
| Loan and lease loss provision to assets | 0.1037% | 1,164 |
| Net operating income to assets | 1.5500% | 1,146 |
| Return on assets (ROA) | 1.5445% | 1,202 |
| Pretax return on assets | 1.5992% | 1,702 |
| Return on Equity (ROE) | 21.7034% | 321 |
| Retained earnings to average equity (ytd only) | 12.1740% | 802 |
| Net charge-offs to loans | -0.0092% | 3,640 |
| Credit loss provision to net charge-offs | -1,613.4615% | 3,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0638% | 1,824 |
| Assets per employee ($millions) | 5.8215% | 2,864 |
| Cash dividends to net income (ytd only)* | 43.9073% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 1,253 |
| Loan loss allowance to noncurrent loans | 203.9798% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 1,467 |
| Noncurrent loans to loans | 0.8016% | 1,417 |
| Net loans and leases to total assets | 63.6983% | 1,808 |
| Net loans and leases to deposits | 69.2902% | 2,306 |
| Net loans and leases to core deposits | 70.0980% | 2,589 |
| Total domestic deposits to total assets | 91.9297% | 141 |
| Equity capital to assets | 6.9713% | 4,811 |
| Core capital (leverage) ratio | 7.0488% | 4,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9946% | 2,968 |
| Memoranda: | ||
| Average total assets | $5,391,082,000 | 256 |
| Average earning assets | $5,108,382,750 | 247 |
| Average equity | $383,660,500 | 331 |
| Average total loans | $3,777,308,750 | 230 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2420% | 3,582 |
| Cost of funding earning assets | 0.0796% | 4,701 |
| Net interest margin | 3.1624% | 2,867 |
| Noninterest income to average assets | 2.9949% | 183 |
| Noninterest expense to average assets | 3.7524% | 350 |
| Loan and lease loss provision to assets | 0.1577% | 736 |
| Net operating income to assets | 2.0069% | 482 |
| Return on assets (ROA) | 2.0006% | 510 |
| Pretax return on assets | 2.0718% | 718 |
| Return on Equity (ROE) | 27.9088% | 128 |
| Retained earnings to average equity (ytd only) | 15.1050% | 415 |
| Net charge-offs to loans | -0.0123% | 3,755 |
| Credit loss provision to net charge-offs | -1,786.7521% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6614% | 2,636 |
| Assets per employee ($millions) | 5.3814% | 3,256 |
| Cash dividends to net income (ytd only)* | 45.8773% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 1,190 |
| Loan loss allowance to noncurrent loans | 168.3679% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 1,281 |
| Noncurrent loans to loans | 0.9746% | 1,266 |
| Net loans and leases to total assets | 65.7061% | 1,722 |
| Net loans and leases to deposits | 71.7011% | 2,236 |
| Net loans and leases to core deposits | 72.5742% | 2,555 |
| Total domestic deposits to total assets | 91.6389% | 208 |
| Equity capital to assets | 7.1507% | 4,815 |
| Core capital (leverage) ratio | 7.1517% | 4,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1263% | 2,938 |
| Memoranda: | ||
| Average total assets | $5,301,959,333 | 255 |
| Average earning assets | $5,018,693,000 | 248 |
| Average equity | $380,059,000 | 330 |
| Average total loans | $3,814,994,667 | 230 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4009% | 3,193 |
| Cost of funding earning assets | 0.0855% | 4,723 |
| Net interest margin | 3.3154% | 2,344 |
| Noninterest income to average assets | 4.0612% | 146 |
| Noninterest expense to average assets | 3.8144% | 331 |
| Loan and lease loss provision to assets | 0.2130% | 552 |
| Net operating income to assets | 3.0621% | 147 |
| Return on assets (ROA) | 3.0469% | 163 |
| Pretax return on assets | 3.1566% | 200 |
| Return on Equity (ROE) | 42.4507% | 57 |
| Retained earnings to average equity (ytd only) | 28.2232% | 92 |
| Net charge-offs to loans | -0.0105% | 3,682 |
| Credit loss provision to net charge-offs | -2,726.4706% | 3,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9801% | 3,915 |
| Assets per employee ($millions) | 5.1109% | 3,521 |
| Cash dividends to net income (ytd only)* | 33.5152% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,620 |
| Loan loss allowance to noncurrent loans | 121.9315% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 986 |
| Noncurrent loans to loans | 1.2274% | 1,072 |
| Net loans and leases to total assets | 71.0838% | 1,143 |
| Net loans and leases to deposits | 77.5477% | 1,757 |
| Net loans and leases to core deposits | 78.4990% | 2,141 |
| Total domestic deposits to total assets | 91.6646% | 202 |
| Equity capital to assets | 7.1417% | 4,811 |
| Core capital (leverage) ratio | 7.3767% | 4,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0452% | 2,923 |
| Memoranda: | ||
| Average total assets | $5,221,876,000 | 253 |
| Average earning assets | $4,943,190,500 | 249 |
| Average equity | $374,797,500 | 330 |
| Average total loans | $3,898,080,000 | 229 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 3,466 |
| Cost of funding earning assets | 0.2262% | 4,482 |
| Net interest margin | 3.5174% | 2,420 |
| Noninterest income to average assets | 2.1937% | 297 |
| Noninterest expense to average assets | 3.8309% | 443 |
| Loan and lease loss provision to assets | 0.2116% | 1,858 |
| Net operating income to assets | 1.4276% | 957 |
| Return on assets (ROA) | 1.4334% | 1,034 |
| Pretax return on assets | 1.4844% | 1,389 |
| Return on Equity (ROE) | 19.5121% | 254 |
| Retained earnings to average equity (ytd only) | 5.5617% | 2,018 |
| Net charge-offs to loans | 0.0554% | 1,989 |
| Credit loss provision to net charge-offs | 485.7829% | 1,277 |
| Earnings coverage of net charge-offs (x) | 38.8012% | 1,412 |
| Efficiency ratio | 69.3878% | 2,037 |
| Assets per employee ($millions) | 4.9330% | 3,463 |
| Cash dividends to net income (ytd only)* | 71.4963% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 1,877 |
| Loan loss allowance to noncurrent loans | 130.9161% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 1,194 |
| Noncurrent loans to loans | 1.0869% | 1,302 |
| Net loans and leases to total assets | 76.2120% | 763 |
| Net loans and leases to deposits | 83.5498% | 1,499 |
| Net loans and leases to core deposits | 84.7362% | 1,971 |
| Total domestic deposits to total assets | 91.2174% | 175 |
| Equity capital to assets | 7.2157% | 4,884 |
| Core capital (leverage) ratio | 6.9755% | 4,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1707% | 3,066 |
| Memoranda: | ||
| Average total assets | $4,779,821,600 | 254 |
| Average earning assets | $4,521,530,200 | 247 |
| Average equity | $351,136,800 | 328 |
| Average total loans | $3,759,197,200 | 229 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 3,504 |
| Cost of funding earning assets | 0.2658% | 4,448 |
| Net interest margin | 3.5537% | 2,411 |
| Noninterest income to average assets | 1.8966% | 339 |
| Noninterest expense to average assets | 3.7167% | 516 |
| Loan and lease loss provision to assets | 0.1495% | 2,531 |
| Net operating income to assets | 1.3425% | 1,256 |
| Return on assets (ROA) | 1.3512% | 1,328 |
| Pretax return on assets | 1.3993% | 1,740 |
| Return on Equity (ROE) | 18.3062% | 336 |
| Retained earnings to average equity (ytd only) | 5.2845% | 2,436 |
| Net charge-offs to loans | 0.0520% | 1,859 |
| Credit loss provision to net charge-offs | 363.5488% | 1,563 |
| Earnings coverage of net charge-offs (x) | 37.4457% | 1,413 |
| Efficiency ratio | 70.7069% | 1,788 |
| Assets per employee ($millions) | 5.1350% | 3,079 |
| Cash dividends to net income (ytd only)* | 71.1326% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 2,055 |
| Loan loss allowance to noncurrent loans | 248.1363% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 2,563 |
| Noncurrent loans to loans | 0.5346% | 2,460 |
| Net loans and leases to total assets | 74.4741% | 1,313 |
| Net loans and leases to deposits | 81.2394% | 2,177 |
| Net loans and leases to core deposits | 82.4173% | 2,631 |
| Total domestic deposits to total assets | 91.6725% | 86 |
| Equity capital to assets | 6.9466% | 4,958 |
| Core capital (leverage) ratio | 6.9932% | 4,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5219% | 3,024 |
| Memoranda: | ||
| Average total assets | $4,714,398,000 | 253 |
| Average earning assets | $4,457,501,250 | 247 |
| Average equity | $347,975,250 | 324 |
| Average total loans | $3,724,571,000 | 229 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 3,521 |
| Cost of funding earning assets | 0.3275% | 4,372 |
| Net interest margin | 3.6063% | 2,464 |
| Noninterest income to average assets | 1.3536% | 562 |
| Noninterest expense to average assets | 3.6247% | 630 |
| Loan and lease loss provision to assets | 0.0308% | 3,875 |
| Net operating income to assets | 1.0619% | 2,103 |
| Return on assets (ROA) | 1.0813% | 2,150 |
| Pretax return on assets | 1.1208% | 2,651 |
| Return on Equity (ROE) | 14.3344% | 819 |
| Retained earnings to average equity (ytd only) | 10.8170% | 634 |
| Net charge-offs to loans | -0.0286% | 4,521 |
| Credit loss provision to net charge-offs | -134.2205% | 3,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2103% | 1,245 |
| Assets per employee ($millions) | 5.1750% | 2,972 |
| Cash dividends to net income (ytd only)* | 24.5385% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,330 |
| Loan loss allowance to noncurrent loans | 354.4064% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 3,220 |
| Noncurrent loans to loans | 0.3483% | 3,151 |
| Net loans and leases to total assets | 78.0400% | 844 |
| Net loans and leases to deposits | 85.3242% | 1,844 |
| Net loans and leases to core deposits | 86.8493% | 2,365 |
| Total domestic deposits to total assets | 91.4629% | 92 |
| Equity capital to assets | 7.1823% | 4,942 |
| Core capital (leverage) ratio | 7.4776% | 4,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4751% | 3,091 |
| Memoranda: | ||
| Average total assets | $4,579,328,667 | 256 |
| Average earning assets | $4,320,571,667 | 249 |
| Average equity | $345,420,333 | 324 |
| Average total loans | $3,678,080,333 | 233 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 3,263 |
| Cost of funding earning assets | 0.4328% | 4,226 |
| Net interest margin | 3.7534% | 2,128 |
| Noninterest income to average assets | 0.9282% | 1,003 |
| Noninterest expense to average assets | 3.5710% | 844 |
| Loan and lease loss provision to assets | 0.0014% | 3,709 |
| Net operating income to assets | 0.8525% | 2,699 |
| Return on assets (ROA) | 0.8683% | 2,730 |
| Pretax return on assets | 0.9021% | 3,137 |
| Return on Equity (ROE) | 11.2055% | 1,352 |
| Retained earnings to average equity (ytd only) | 7.2819% | 1,449 |
| Net charge-offs to loans | -0.0211% | 4,351 |
| Credit loss provision to net charge-offs | -8.0214% | 3,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1026% | 1,128 |
| Assets per employee ($millions) | 4.9620% | 2,690 |
| Cash dividends to net income (ytd only)* | 35.0147% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 1,979 |
| Loan loss allowance to noncurrent loans | 787.7936% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 3,954 |
| Noncurrent loans to loans | 0.1696% | 3,857 |
| Net loans and leases to total assets | 80.4628% | 643 |
| Net loans and leases to deposits | 88.4917% | 1,695 |
| Net loans and leases to core deposits | 91.0109% | 2,248 |
| Total domestic deposits to total assets | 90.9269% | 115 |
| Equity capital to assets | 7.7302% | 5,013 |
| Core capital (leverage) ratio | 7.7618% | 5,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0898% | 3,316 |
| Memoranda: | ||
| Average total assets | $4,374,626,500 | 260 |
| Average earning assets | $4,114,060,000 | 251 |
| Average equity | $338,977,000 | 329 |
| Average total loans | $3,546,187,500 | 235 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 3,127 |
| Cost of funding earning assets | 0.4850% | 4,154 |
| Net interest margin | 3.9603% | 1,970 |
| Noninterest income to average assets | 1.1507% | 707 |
| Noninterest expense to average assets | 3.6408% | 813 |
| Loan and lease loss provision to assets | 0.0017% | 3,956 |
| Net operating income to assets | 1.1879% | 2,101 |
| Return on assets (ROA) | 1.2000% | 2,157 |
| Pretax return on assets | 1.2433% | 2,691 |
| Return on Equity (ROE) | 15.4515% | 613 |
| Retained earnings to average equity (ytd only) | 4.5931% | 2,654 |
| Net charge-offs to loans | -0.0439% | 4,803 |
| Credit loss provision to net charge-offs | -5.0000% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7083% | 1,523 |
| Assets per employee ($millions) | 4.9747% | 2,640 |
| Cash dividends to net income (ytd only)* | 70.2741% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 1,726 |
| Loan loss allowance to noncurrent loans | 750.5618% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 3,914 |
| Noncurrent loans to loans | 0.1791% | 3,816 |
| Net loans and leases to total assets | 79.4902% | 857 |
| Net loans and leases to deposits | 87.2193% | 1,943 |
| Net loans and leases to core deposits | 89.9722% | 2,430 |
| Total domestic deposits to total assets | 91.1383% | 102 |
| Equity capital to assets | 7.7672% | 5,087 |
| Core capital (leverage) ratio | 7.5454% | 5,099 |
| Tier 1 risk-based capital ratio | 9.7425% | 5,145 |
| Total risk-based capital ratio | 10.9956% | 5,120 |
| Memoranda: | ||
| Average total assets | $4,243,617,600 | 255 |
| Average earning assets | $3,988,985,200 | 248 |
| Average equity | $329,560,000 | 323 |
| Average total loans | $3,277,056,400 | 236 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 3,097 |
| Cost of funding earning assets | 0.4847% | 4,204 |
| Net interest margin | 4.0024% | 1,928 |
| Noninterest income to average assets | 1.0558% | 826 |
| Noninterest expense to average assets | 3.6477% | 799 |
| Loan and lease loss provision to assets | 0.0016% | 3,821 |
| Net operating income to assets | 1.1267% | 2,466 |
| Return on assets (ROA) | 1.1444% | 2,480 |
| Pretax return on assets | 1.1860% | 3,025 |
| Return on Equity (ROE) | 14.7365% | 838 |
| Retained earnings to average equity (ytd only) | 4.4659% | 3,163 |
| Net charge-offs to loans | -0.0596% | 4,876 |
| Credit loss provision to net charge-offs | -3.6186% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7262% | 1,360 |
| Assets per employee ($millions) | 5.2901% | 2,238 |
| Cash dividends to net income (ytd only)* | 69.6950% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 1,528 |
| Loan loss allowance to noncurrent loans | 910.0595% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 4,136 |
| Noncurrent loans to loans | 0.1551% | 3,981 |
| Net loans and leases to total assets | 73.4392% | 1,925 |
| Net loans and leases to deposits | 80.2299% | 2,871 |
| Net loans and leases to core deposits | 82.7798% | 3,196 |
| Total domestic deposits to total assets | 91.5359% | 58 |
| Equity capital to assets | 7.4494% | 5,194 |
| Core capital (leverage) ratio | 7.6947% | 5,163 |
| Tier 1 risk-based capital ratio | 9.7366% | 5,216 |
| Total risk-based capital ratio | 10.9900% | 5,193 |
| Memoranda: | ||
| Average total assets | $4,210,090,250 | 258 |
| Average earning assets | $3,956,382,000 | 252 |
| Average equity | $326,943,250 | 327 |
| Average total loans | $3,214,497,250 | 243 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 2,836 |
| Cost of funding earning assets | 0.4613% | 4,278 |
| Net interest margin | 4.0903% | 1,637 |
| Noninterest income to average assets | 0.9746% | 919 |
| Noninterest expense to average assets | 3.7065% | 747 |
| Loan and lease loss provision to assets | 0.0014% | 3,672 |
| Net operating income to assets | 1.0672% | 2,659 |
| Return on assets (ROA) | 1.0810% | 2,665 |
| Pretax return on assets | 1.1208% | 3,173 |
| Return on Equity (ROE) | 13.7159% | 1,050 |
| Retained earnings to average equity (ytd only) | 3.5432% | 3,471 |
| Net charge-offs to loans | -0.0892% | 4,979 |
| Credit loss provision to net charge-offs | -2.0538% | 3,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9889% | 1,269 |
| Assets per employee ($millions) | 5.2156% | 2,243 |
| Cash dividends to net income (ytd only)* | 74.1674% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,374 |
| Loan loss allowance to noncurrent loans | 773.9336% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 4,040 |
| Noncurrent loans to loans | 0.1894% | 3,875 |
| Net loans and leases to total assets | 75.0781% | 1,708 |
| Net loans and leases to deposits | 82.3248% | 2,693 |
| Net loans and leases to core deposits | 85.2169% | 3,016 |
| Total domestic deposits to total assets | 91.1973% | 85 |
| Equity capital to assets | 7.7800% | 5,208 |
| Core capital (leverage) ratio | 7.9178% | 5,183 |
| Tier 1 risk-based capital ratio | 9.8944% | 5,239 |
| Total risk-based capital ratio | 11.1484% | 5,190 |
| Memoranda: | ||
| Average total assets | $4,111,051,670 | 263 |
| Average earning assets | $3,859,308,330 | 258 |
| Average equity | $324,004,000 | 328 |
| Average total loans | $3,166,843,330 | 248 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 2,636 |
| Cost of funding earning assets | 0.4290% | 4,363 |
| Net interest margin | 4.1407% | 1,448 |
| Noninterest income to average assets | 1.0941% | 674 |
| Noninterest expense to average assets | 3.7828% | 667 |
| Loan and lease loss provision to assets | 0.0021% | 3,390 |
| Net operating income to assets | 1.1478% | 2,282 |
| Return on assets (ROA) | 1.1602% | 2,271 |
| Pretax return on assets | 1.2019% | 2,794 |
| Return on Equity (ROE) | 14.6228% | 835 |
| Retained earnings to average equity (ytd only) | 3.7725% | 3,414 |
| Net charge-offs to loans | -0.1812% | 5,159 |
| Credit loss provision to net charge-offs | -1.4789% | 3,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0518% | 1,491 |
| Assets per employee ($millions) | 5.2474% | 2,232 |
| Cash dividends to net income (ytd only)* | 74.2012% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 1,312 |
| Loan loss allowance to noncurrent loans | 638.1485% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 3,920 |
| Noncurrent loans to loans | 0.2364% | 3,728 |
| Net loans and leases to total assets | 74.5869% | 1,706 |
| Net loans and leases to deposits | 81.7654% | 2,632 |
| Net loans and leases to core deposits | 83.4360% | 3,066 |
| Total domestic deposits to total assets | 91.2206% | 130 |
| Equity capital to assets | 7.8280% | 5,219 |
| Core capital (leverage) ratio | 7.9918% | 5,208 |
| Tier 1 risk-based capital ratio | 10.0682% | 5,272 |
| Total risk-based capital ratio | 11.3227% | 5,226 |
| Memoranda: | ||
| Average total assets | $4,046,450,000 | 269 |
| Average earning assets | $3,791,546,500 | 261 |
| Average equity | $321,059,500 | 331 |
| Average total loans | $3,134,836,000 | 249 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3768% | 2,838 |
| Cost of funding earning assets | 0.2769% | 4,671 |
| Net interest margin | 4.0999% | 1,678 |
| Noninterest income to average assets | 1.1859% | 655 |
| Noninterest expense to average assets | 3.6967% | 778 |
| Loan and lease loss provision to assets | 0.0023% | 4,057 |
| Net operating income to assets | 1.2954% | 1,824 |
| Return on assets (ROA) | 1.2941% | 1,812 |
| Pretax return on assets | 1.3417% | 2,356 |
| Return on Equity (ROE) | 16.4504% | 545 |
| Retained earnings to average equity (ytd only) | 5.7833% | 2,304 |
| Net charge-offs to loans | 0.0696% | 2,122 |
| Credit loss provision to net charge-offs | 4.2870% | 3,444 |
| Earnings coverage of net charge-offs (x) | 24.6650% | 1,800 |
| Efficiency ratio | 73.3174% | 1,717 |
| Assets per employee ($millions) | 5.0415% | 2,447 |
| Cash dividends to net income (ytd only)* | 64.8441% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,397 |
| Loan loss allowance to noncurrent loans | 800.4881% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 4,076 |
| Noncurrent loans to loans | 0.1832% | 3,924 |
| Net loans and leases to total assets | 78.1375% | 1,255 |
| Net loans and leases to deposits | 86.0061% | 2,269 |
| Net loans and leases to core deposits | 87.5939% | 2,780 |
| Total domestic deposits to total assets | 90.8510% | 240 |
| Equity capital to assets | 8.0461% | 5,146 |
| Core capital (leverage) ratio | 7.9824% | 5,241 |
| Tier 1 risk-based capital ratio | 10.0894% | 5,283 |
| Total risk-based capital ratio | 11.3436% | 5,233 |
| Memoranda: | ||
| Average total assets | $3,934,389,400 | 270 |
| Average earning assets | $3,700,474,400 | 262 |
| Average equity | $309,512,200 | 336 |
| Average total loans | $3,081,405,000 | 249 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 2,984 |
| Cost of funding earning assets | 0.2388% | 4,850 |
| Net interest margin | 4.0558% | 1,770 |
| Noninterest income to average assets | 1.2204% | 643 |
| Noninterest expense to average assets | 3.6491% | 796 |
| Loan and lease loss provision to assets | 0.0023% | 3,920 |
| Net operating income to assets | 1.3424% | 1,692 |
| Return on assets (ROA) | 1.3407% | 1,710 |
| Pretax return on assets | 1.3888% | 2,272 |
| Return on Equity (ROE) | 17.1398% | 530 |
| Retained earnings to average equity (ytd only) | 5.4947% | 2,955 |
| Net charge-offs to loans | 0.0268% | 2,576 |
| Credit loss provision to net charge-offs | 11.2013% | 3,051 |
| Earnings coverage of net charge-offs (x) | 66.6723% | 986 |
| Efficiency ratio | 72.3732% | 1,827 |
| Assets per employee ($millions) | 5.0477% | 2,411 |
| Cash dividends to net income (ytd only)* | 67.9417% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 1,186 |
| Loan loss allowance to noncurrent loans | 402.8115% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 3,469 |
| Noncurrent loans to loans | 0.3858% | 3,271 |
| Net loans and leases to total assets | 74.5749% | 1,888 |
| Net loans and leases to deposits | 81.7815% | 2,843 |
| Net loans and leases to core deposits | 83.2873% | 3,214 |
| Total domestic deposits to total assets | 91.1880% | 181 |
| Equity capital to assets | 7.7641% | 5,251 |
| Core capital (leverage) ratio | 7.9307% | 5,332 |
| Tier 1 risk-based capital ratio | 10.1458% | 5,348 |
| Total risk-based capital ratio | 11.4013% | 5,277 |
| Memoranda: | ||
| Average total assets | $3,931,119,750 | 268 |
| Average earning assets | $3,704,127,000 | 261 |
| Average equity | $307,486,250 | 336 |
| Average total loans | $3,069,164,500 | 251 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 3,069 |
| Cost of funding earning assets | 0.2095% | 4,985 |
| Net interest margin | 4.0050% | 1,840 |
| Noninterest income to average assets | 1.2665% | 601 |
| Noninterest expense to average assets | 3.5992% | 866 |
| Loan and lease loss provision to assets | 0.0019% | 3,761 |
| Net operating income to assets | 1.3900% | 1,471 |
| Return on assets (ROA) | 1.3918% | 1,471 |
| Pretax return on assets | 1.4423% | 2,012 |
| Return on Equity (ROE) | 17.7481% | 444 |
| Retained earnings to average equity (ytd only) | 4.2357% | 3,486 |
| Net charge-offs to loans | 0.0451% | 1,967 |
| Credit loss provision to net charge-offs | 5.4834% | 2,748 |
| Earnings coverage of net charge-offs (x) | 40.5758% | 1,280 |
| Efficiency ratio | 71.3895% | 2,101 |
| Assets per employee ($millions) | 4.6354% | 2,914 |
| Cash dividends to net income (ytd only)* | 76.1343% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 1,254 |
| Loan loss allowance to noncurrent loans | 405.9979% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 3,501 |
| Noncurrent loans to loans | 0.3807% | 3,331 |
| Net loans and leases to total assets | 79.0024% | 1,160 |
| Net loans and leases to deposits | 86.8767% | 2,235 |
| Net loans and leases to core deposits | 90.2096% | 2,552 |
| Total domestic deposits to total assets | 90.9363% | 261 |
| Equity capital to assets | 8.0523% | 5,207 |
| Core capital (leverage) ratio | 7.7944% | 5,400 |
| Tier 1 risk-based capital ratio | 9.9545% | 5,442 |
| Total risk-based capital ratio | 11.2098% | 5,386 |
| Memoranda: | ||
| Average total assets | $3,898,794,330 | 267 |
| Average earning assets | $3,675,014,330 | 259 |
| Average equity | $305,733,670 | 334 |
| Average total loans | $3,075,095,670 | 249 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 3,377 |
| Cost of funding earning assets | 0.1705% | 5,163 |
| Net interest margin | 3.8895% | 2,086 |
| Noninterest income to average assets | 1.2875% | 562 |
| Noninterest expense to average assets | 3.4798% | 1,036 |
| Loan and lease loss provision to assets | 0.0016% | 3,496 |
| Net operating income to assets | 1.4273% | 1,259 |
| Return on assets (ROA) | 1.4309% | 1,259 |
| Pretax return on assets | 1.4827% | 1,718 |
| Return on Equity (ROE) | 18.4874% | 365 |
| Retained earnings to average equity (ytd only) | 2.6767% | 4,106 |
| Net charge-offs to loans | 0.1059% | 1,143 |
| Credit loss provision to net charge-offs | 1.9608% | 2,196 |
| Earnings coverage of net charge-offs (x) | 17.8750% | 1,557 |
| Efficiency ratio | 70.1522% | 2,465 |
| Assets per employee ($millions) | 4.8631% | 2,658 |
| Cash dividends to net income (ytd only)* | 85.5217% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,339 |
| Loan loss allowance to noncurrent loans | 431.1306% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 3,738 |
| Noncurrent loans to loans | 0.3558% | 3,494 |
| Net loans and leases to total assets | 77.5475% | 1,305 |
| Net loans and leases to deposits | 86.4047% | 2,111 |
| Net loans and leases to core deposits | 89.0200% | 2,538 |
| Total domestic deposits to total assets | 89.7491% | 764 |
| Equity capital to assets | 7.7848% | 5,338 |
| Core capital (leverage) ratio | 7.7021% | 5,469 |
| Tier 1 risk-based capital ratio | 9.9297% | 5,517 |
| Total risk-based capital ratio | 11.1852% | 5,462 |
| Memoranda: | ||
| Average total assets | $3,940,732,000 | 266 |
| Average earning assets | $3,721,199,500 | 257 |
| Average equity | $305,007,000 | 337 |
| Average total loans | $3,082,046,500 | 244 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8472% | 3,894 |
| Cost of funding earning assets | 0.1385% | 5,320 |
| Net interest margin | 3.7088% | 2,768 |
| Noninterest income to average assets | 1.5399% | 442 |
| Noninterest expense to average assets | 3.6521% | 848 |
| Loan and lease loss provision to assets | -0.0424% | 5,383 |
| Net operating income to assets | 1.3871% | 1,047 |
| Return on assets (ROA) | 1.3885% | 1,064 |
| Pretax return on assets | 1.4384% | 1,858 |
| Return on Equity (ROE) | 17.8862% | 320 |
| Retained earnings to average equity (ytd only) | 7.5006% | 920 |
| Net charge-offs to loans | -0.0576% | 5,225 |
| Credit loss provision to net charge-offs | 98.8868% | 2,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3666% | 2,167 |
| Assets per employee ($millions) | 4.8970% | 2,606 |
| Cash dividends to net income (ytd only)* | 58.0646% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 1,265 |
| Loan loss allowance to noncurrent loans | 541.0557% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 4,027 |
| Noncurrent loans to loans | 0.2871% | 3,751 |
| Net loans and leases to total assets | 76.4680% | 1,514 |
| Net loans and leases to deposits | 87.3266% | 2,096 |
| Net loans and leases to core deposits | 90.1288% | 2,560 |
| Total domestic deposits to total assets | 87.5656% | 1,724 |
| Equity capital to assets | 7.6957% | 5,488 |
| Core capital (leverage) ratio | 7.6712% | 5,524 |
| Tier 1 risk-based capital ratio | 10.0205% | 5,530 |
| Total risk-based capital ratio | 11.2766% | 5,468 |
| Memoranda: | ||
| Average total assets | $3,770,484,800 | 262 |
| Average earning assets | $3,565,095,400 | 254 |
| Average equity | $292,694,800 | 334 |
| Average total loans | $2,806,265,000 | 254 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 4,006 |
| Cost of funding earning assets | 0.1372% | 5,383 |
| Net interest margin | 3.6654% | 2,891 |
| Noninterest income to average assets | 1.5669% | 443 |
| Noninterest expense to average assets | 3.6653% | 797 |
| Loan and lease loss provision to assets | -0.0509% | 5,528 |
| Net operating income to assets | 1.3684% | 1,159 |
| Return on assets (ROA) | 1.3700% | 1,174 |
| Pretax return on assets | 1.4192% | 2,065 |
| Return on Equity (ROE) | 17.6073% | 366 |
| Retained earnings to average equity (ytd only) | 7.2769% | 1,550 |
| Net charge-offs to loans | -0.0686% | 5,270 |
| Credit loss provision to net charge-offs | 100.7813% | 2,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8398% | 2,063 |
| Assets per employee ($millions) | 4.8070% | 2,688 |
| Cash dividends to net income (ytd only)* | 58.6711% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 1,129 |
| Loan loss allowance to noncurrent loans | 526.7663% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 4,117 |
| Noncurrent loans to loans | 0.3135% | 3,829 |
| Net loans and leases to total assets | 73.8751% | 1,936 |
| Net loans and leases to deposits | 81.0435% | 2,871 |
| Net loans and leases to core deposits | 83.6042% | 3,166 |
| Total domestic deposits to total assets | 91.1550% | 152 |
| Equity capital to assets | 7.7821% | 5,580 |
| Core capital (leverage) ratio | 7.8058% | 5,568 |
| Tier 1 risk-based capital ratio | 10.3401% | 5,500 |
| Total risk-based capital ratio | 11.5972% | 5,436 |
| Memoranda: | ||
| Average total assets | $3,719,011,750 | 263 |
| Average earning assets | $3,515,815,000 | 257 |
| Average equity | $289,365,750 | 338 |
| Average total loans | $2,735,674,750 | 257 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,015 |
| Cost of funding earning assets | 0.1336% | 5,432 |
| Net interest margin | 3.6330% | 2,899 |
| Noninterest income to average assets | 1.5202% | 467 |
| Noninterest expense to average assets | 3.6695% | 804 |
| Loan and lease loss provision to assets | -0.0319% | 5,580 |
| Net operating income to assets | 1.2683% | 1,380 |
| Return on assets (ROA) | 1.2707% | 1,402 |
| Pretax return on assets | 1.3163% | 2,327 |
| Return on Equity (ROE) | 16.3318% | 486 |
| Retained earnings to average equity (ytd only) | 5.0559% | 2,676 |
| Net charge-offs to loans | -0.0476% | 5,153 |
| Credit loss provision to net charge-offs | 91.6928% | 2,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1089% | 1,993 |
| Assets per employee ($millions) | 4.5909% | 2,964 |
| Cash dividends to net income (ytd only)* | 69.0424% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7744% | 934 |
| Loan loss allowance to noncurrent loans | 518.1328% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 4,119 |
| Noncurrent loans to loans | 0.3425% | 3,816 |
| Net loans and leases to total assets | 72.2655% | 2,157 |
| Net loans and leases to deposits | 79.3821% | 2,981 |
| Net loans and leases to core deposits | 82.0069% | 3,249 |
| Total domestic deposits to total assets | 91.0351% | 215 |
| Equity capital to assets | 7.9138% | 5,569 |
| Core capital (leverage) ratio | 7.7998% | 5,589 |
| Tier 1 risk-based capital ratio | 10.5062% | 5,455 |
| Total risk-based capital ratio | 11.7641% | 5,380 |
| Memoranda: | ||
| Average total assets | $3,670,402,330 | 268 |
| Average earning assets | $3,466,588,670 | 261 |
| Average equity | $285,566,000 | 341 |
| Average total loans | $2,679,867,330 | 262 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 4,146 |
| Cost of funding earning assets | 0.1359% | 5,455 |
| Net interest margin | 3.5517% | 3,082 |
| Noninterest income to average assets | 1.5675% | 455 |
| Noninterest expense to average assets | 3.6615% | 819 |
| Loan and lease loss provision to assets | -0.0550% | 5,718 |
| Net operating income to assets | 1.2742% | 1,308 |
| Return on assets (ROA) | 1.2742% | 1,342 |
| Pretax return on assets | 1.3197% | 2,167 |
| Return on Equity (ROE) | 16.5194% | 463 |
| Retained earnings to average equity (ytd only) | 5.4886% | 2,607 |
| Net charge-offs to loans | -0.0799% | 5,371 |
| Credit loss provision to net charge-offs | 94.5591% | 1,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3268% | 2,178 |
| Assets per employee ($millions) | 4.5779% | 3,040 |
| Cash dividends to net income (ytd only)* | 66.7751% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 899 |
| Loan loss allowance to noncurrent loans | 575.5878% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 4,309 |
| Noncurrent loans to loans | 0.3189% | 3,979 |
| Net loans and leases to total assets | 69.9812% | 2,382 |
| Net loans and leases to deposits | 76.6950% | 3,111 |
| Net loans and leases to core deposits | 79.3074% | 3,355 |
| Total domestic deposits to total assets | 91.2461% | 228 |
| Equity capital to assets | 7.7841% | 5,604 |
| Core capital (leverage) ratio | 7.7074% | 5,659 |
| Tier 1 risk-based capital ratio | 10.9141% | 5,354 |
| Total risk-based capital ratio | 12.1732% | 5,270 |
| Memoranda: | ||
| Average total assets | $3,666,956,500 | 271 |
| Average earning assets | $3,467,667,000 | 263 |
| Average equity | $282,843,000 | 343 |
| Average total loans | $2,667,091,000 | 262 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 3,851 |
| Cost of funding earning assets | 0.1299% | 5,546 |
| Net interest margin | 3.6858% | 2,756 |
| Noninterest income to average assets | 2.3607% | 271 |
| Noninterest expense to average assets | 4.1158% | 521 |
| Loan and lease loss provision to assets | -0.0554% | 5,602 |
| Net operating income to assets | 1.7170% | 521 |
| Return on assets (ROA) | 1.7144% | 553 |
| Pretax return on assets | 1.7773% | 847 |
| Return on Equity (ROE) | 21.9484% | 147 |
| Retained earnings to average equity (ytd only) | 10.0419% | 400 |
| Net charge-offs to loans | -0.0766% | 5,508 |
| Credit loss provision to net charge-offs | 94.7053% | 2,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4708% | 2,833 |
| Assets per employee ($millions) | 4.3552% | 3,353 |
| Cash dividends to net income (ytd only)* | 54.2479% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 1,014 |
| Loan loss allowance to noncurrent loans | 1,131.7442% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 4,852 |
| Noncurrent loans to loans | 0.1558% | 4,614 |
| Net loans and leases to total assets | 72.8688% | 2,029 |
| Net loans and leases to deposits | 79.9628% | 2,892 |
| Net loans and leases to core deposits | 82.7186% | 3,153 |
| Total domestic deposits to total assets | 91.1284% | 240 |
| Equity capital to assets | 7.6425% | 5,684 |
| Core capital (leverage) ratio | 7.7341% | 5,699 |
| Tier 1 risk-based capital ratio | 10.8168% | 5,424 |
| Total risk-based capital ratio | 12.0760% | 5,317 |
| Memoranda: | ||
| Average total assets | $3,424,611,800 | 273 |
| Average earning assets | $3,233,138,000 | 266 |
| Average equity | $267,500,400 | 342 |
| Average total loans | $2,612,162,800 | 254 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 3,820 |
| Cost of funding earning assets | 0.1289% | 5,624 |
| Net interest margin | 3.7063% | 2,697 |
| Noninterest income to average assets | 2.2312% | 302 |
| Noninterest expense to average assets | 4.0575% | 546 |
| Loan and lease loss provision to assets | -0.0631% | 5,740 |
| Net operating income to assets | 1.6743% | 625 |
| Return on assets (ROA) | 1.6708% | 673 |
| Pretax return on assets | 1.7322% | 1,031 |
| Return on Equity (ROE) | 21.2647% | 182 |
| Retained earnings to average equity (ytd only) | 8.4519% | 995 |
| Net charge-offs to loans | -0.0863% | 5,522 |
| Credit loss provision to net charge-offs | 95.1613% | 2,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8093% | 2,772 |
| Assets per employee ($millions) | 4.2709% | 3,465 |
| Cash dividends to net income (ytd only)* | 60.2538% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 1,026 |
| Loan loss allowance to noncurrent loans | 718.8541% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 4,693 |
| Noncurrent loans to loans | 0.2496% | 4,371 |
| Net loans and leases to total assets | 73.0413% | 2,016 |
| Net loans and leases to deposits | 80.2621% | 2,927 |
| Net loans and leases to core deposits | 82.9823% | 3,211 |
| Total domestic deposits to total assets | 91.0034% | 196 |
| Equity capital to assets | 7.6548% | 5,819 |
| Core capital (leverage) ratio | 7.7651% | 5,774 |
| Tier 1 risk-based capital ratio | 10.6671% | 5,541 |
| Total risk-based capital ratio | 11.9269% | 5,449 |
| Memoranda: | ||
| Average total assets | $3,364,004,750 | 273 |
| Average earning assets | $3,175,815,000 | 266 |
| Average equity | $264,312,500 | 346 |
| Average total loans | $2,585,183,250 | 253 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8176% | 3,893 |
| Cost of funding earning assets | 0.1274% | 5,712 |
| Net interest margin | 3.6902% | 2,732 |
| Noninterest income to average assets | 1.9684% | 341 |
| Noninterest expense to average assets | 3.9875% | 601 |
| Loan and lease loss provision to assets | -0.0258% | 5,795 |
| Net operating income to assets | 1.4374% | 993 |
| Return on assets (ROA) | 1.4295% | 1,053 |
| Pretax return on assets | 1.4828% | 1,731 |
| Return on Equity (ROE) | 18.0252% | 354 |
| Retained earnings to average equity (ytd only) | 11.6594% | 370 |
| Net charge-offs to loans | -0.0740% | 5,515 |
| Credit loss provision to net charge-offs | 44.8203% | 2,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1301% | 2,495 |
| Assets per employee ($millions) | 4.2155% | 3,533 |
| Cash dividends to net income (ytd only)* | 35.3161% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8282% | 1,036 |
| Loan loss allowance to noncurrent loans | 1,113.1646% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 5,000 |
| Noncurrent loans to loans | 0.1642% | 4,784 |
| Net loans and leases to total assets | 75.8766% | 1,510 |
| Net loans and leases to deposits | 83.6445% | 2,506 |
| Net loans and leases to core deposits | 86.6649% | 2,841 |
| Total domestic deposits to total assets | 90.7131% | 257 |
| Equity capital to assets | 7.9732% | 5,814 |
| Core capital (leverage) ratio | 8.0504% | 5,700 |
| Tier 1 risk-based capital ratio | 10.6445% | 5,608 |
| Total risk-based capital ratio | 11.9049% | 5,516 |
| Memoranda: | ||
| Average total assets | $3,288,069,670 | 276 |
| Average earning assets | $3,104,484,330 | 270 |
| Average equity | $260,768,330 | 347 |
| Average total loans | $2,556,434,330 | 257 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 4,255 |
| Cost of funding earning assets | 0.1290% | 5,760 |
| Net interest margin | 3.5891% | 3,124 |
| Noninterest income to average assets | 1.7438% | 413 |
| Noninterest expense to average assets | 3.8952% | 690 |
| Loan and lease loss provision to assets | -0.0561% | 5,950 |
| Net operating income to assets | 1.2455% | 1,417 |
| Return on assets (ROA) | 1.2406% | 1,532 |
| Pretax return on assets | 1.2892% | 2,355 |
| Return on Equity (ROE) | 15.6880% | 569 |
| Retained earnings to average equity (ytd only) | 2.6526% | 4,187 |
| Net charge-offs to loans | -0.0764% | 5,535 |
| Credit loss provision to net charge-offs | 94.1667% | 1,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8801% | 2,187 |
| Assets per employee ($millions) | 4.2105% | 3,574 |
| Cash dividends to net income (ytd only)* | 83.0914% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8548% | 1,043 |
| Loan loss allowance to noncurrent loans | 1,238.0140% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 5,114 |
| Noncurrent loans to loans | 0.1498% | 4,874 |
| Net loans and leases to total assets | 76.0613% | 1,382 |
| Net loans and leases to deposits | 83.4443% | 2,375 |
| Net loans and leases to core deposits | 86.3722% | 2,714 |
| Total domestic deposits to total assets | 91.1521% | 227 |
| Equity capital to assets | 7.6953% | 5,907 |
| Core capital (leverage) ratio | 8.0041% | 5,772 |
| Tier 1 risk-based capital ratio | 10.3772% | 5,798 |
| Total risk-based capital ratio | 11.6377% | 5,716 |
| Memoranda: | ||
| Average total assets | $3,220,594,000 | 279 |
| Average earning assets | $3,041,504,500 | 273 |
| Average equity | $254,691,000 | 350 |
| Average total loans | $2,511,832,000 | 259 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 3,926 |
| Cost of funding earning assets | 0.1460% | 5,710 |
| Net interest margin | 3.6908% | 2,784 |
| Noninterest income to average assets | 2.2291% | 306 |
| Noninterest expense to average assets | 4.2018% | 542 |
| Loan and lease loss provision to assets | 0.0019% | 4,348 |
| Net operating income to assets | 1.4485% | 947 |
| Return on assets (ROA) | 1.4496% | 976 |
| Pretax return on assets | 1.5029% | 1,549 |
| Return on Equity (ROE) | 17.2052% | 439 |
| Retained earnings to average equity (ytd only) | 3.9467% | 3,227 |
| Net charge-offs to loans | -0.0686% | 5,658 |
| Credit loss provision to net charge-offs | -3.5110% | 4,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6460% | 2,634 |
| Assets per employee ($millions) | 3.9932% | 3,950 |
| Cash dividends to net income (ytd only)* | 77.0609% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9588% | 863 |
| Loan loss allowance to noncurrent loans | 1,558.9769% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 5,219 |
| Noncurrent loans to loans | 0.1256% | 4,994 |
| Net loans and leases to total assets | 76.9838% | 1,255 |
| Net loans and leases to deposits | 85.0014% | 2,237 |
| Net loans and leases to core deposits | 88.2033% | 2,581 |
| Total domestic deposits to total assets | 90.5677% | 418 |
| Equity capital to assets | 8.1361% | 5,788 |
| Core capital (leverage) ratio | 7.9944% | 5,843 |
| Tier 1 risk-based capital ratio | 10.6952% | 5,678 |
| Total risk-based capital ratio | 11.9568% | 5,592 |
| Memoranda: | ||
| Average total assets | $3,003,438,200 | 276 |
| Average earning assets | $2,828,871,800 | 271 |
| Average equity | $253,045,800 | 346 |
| Average total loans | $2,326,056,000 | 257 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 3,905 |
| Cost of funding earning assets | 0.1460% | 5,814 |
| Net interest margin | 3.7114% | 2,719 |
| Noninterest income to average assets | 2.4011% | 275 |
| Noninterest expense to average assets | 4.2091% | 534 |
| Loan and lease loss provision to assets | 0.0015% | 4,214 |
| Net operating income to assets | 1.6262% | 727 |
| Return on assets (ROA) | 1.6266% | 751 |
| Pretax return on assets | 1.6863% | 1,144 |
| Return on Equity (ROE) | 19.1352% | 328 |
| Retained earnings to average equity (ytd only) | 5.3298% | 2,699 |
| Net charge-offs to loans | -0.0808% | 5,714 |
| Credit loss provision to net charge-offs | -2.3707% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3835% | 2,982 |
| Assets per employee ($millions) | 4.2371% | 3,447 |
| Cash dividends to net income (ytd only)* | 72.1465% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0884% | 791 |
| Loan loss allowance to noncurrent loans | 902.9010% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 5,107 |
| Noncurrent loans to loans | 0.2313% | 4,739 |
| Net loans and leases to total assets | 69.0561% | 2,527 |
| Net loans and leases to deposits | 76.4635% | 3,252 |
| Net loans and leases to core deposits | 79.0388% | 3,505 |
| Total domestic deposits to total assets | 90.3126% | 458 |
| Equity capital to assets | 7.8728% | 6,000 |
| Core capital (leverage) ratio | 8.3398% | 5,682 |
| Tier 1 risk-based capital ratio | 11.4582% | 5,396 |
| Total risk-based capital ratio | 12.7216% | 5,310 |
| Memoranda: | ||
| Average total assets | $2,976,630,000 | 284 |
| Average earning assets | $2,803,375,500 | 279 |
| Average equity | $253,035,250 | 353 |
| Average total loans | $2,296,930,750 | 264 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,494 |
| Cost of funding earning assets | 0.1460% | 5,879 |
| Net interest margin | 3.8029% | 2,295 |
| Noninterest income to average assets | 2.6555% | 251 |
| Noninterest expense to average assets | 4.3580% | 474 |
| Loan and lease loss provision to assets | 0.0013% | 4,059 |
| Net operating income to assets | 1.8104% | 506 |
| Return on assets (ROA) | 1.8109% | 523 |
| Pretax return on assets | 1.8769% | 768 |
| Return on Equity (ROE) | 20.7326% | 241 |
| Retained earnings to average equity (ytd only) | 5.4479% | 2,569 |
| Net charge-offs to loans | -0.1051% | 5,811 |
| Credit loss provision to net charge-offs | -1.5702% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8886% | 3,346 |
| Assets per employee ($millions) | 3.8643% | 4,139 |
| Cash dividends to net income (ytd only)* | 73.7232% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0134% | 964 |
| Loan loss allowance to noncurrent loans | 840.6843% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 5,108 |
| Noncurrent loans to loans | 0.2395% | 4,803 |
| Net loans and leases to total assets | 77.4629% | 1,140 |
| Net loans and leases to deposits | 86.2088% | 2,032 |
| Net loans and leases to core deposits | 89.4113% | 2,400 |
| Total domestic deposits to total assets | 89.8549% | 727 |
| Equity capital to assets | 8.4792% | 5,702 |
| Core capital (leverage) ratio | 8.5169% | 5,514 |
| Tier 1 risk-based capital ratio | 11.0957% | 5,663 |
| Total risk-based capital ratio | 12.3584% | 5,585 |
| Memoranda: | ||
| Average total assets | $2,891,192,330 | 289 |
| Average earning assets | $2,721,799,000 | 282 |
| Average equity | $252,539,330 | 354 |
| Average total loans | $2,302,519,670 | 263 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 3,572 |
| Cost of funding earning assets | 0.1500% | 5,921 |
| Net interest margin | 3.7575% | 2,404 |
| Noninterest income to average assets | 2.5362% | 267 |
| Noninterest expense to average assets | 4.3028% | 498 |
| Loan and lease loss provision to assets | 0.0014% | 3,695 |
| Net operating income to assets | 1.7014% | 586 |
| Return on assets (ROA) | 1.7022% | 614 |
| Pretax return on assets | 1.7638% | 932 |
| Return on Equity (ROE) | 19.1940% | 309 |
| Retained earnings to average equity (ytd only) | 19.1940% | 111 |
| Net charge-offs to loans | -0.0605% | 5,617 |
| Credit loss provision to net charge-offs | -2.9070% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9198% | 3,330 |
| Assets per employee ($millions) | 3.9082% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0323% | 1,021 |
| Loan loss allowance to noncurrent loans | 801.8605% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 5,174 |
| Noncurrent loans to loans | 0.2534% | 4,879 |
| Net loans and leases to total assets | 75.3465% | 1,300 |
| Net loans and leases to deposits | 84.0059% | 2,075 |
| Net loans and leases to core deposits | 86.8373% | 2,455 |
| Total domestic deposits to total assets | 89.6919% | 905 |
| Equity capital to assets | 8.6923% | 5,581 |
| Core capital (leverage) ratio | 9.1137% | 4,831 |
| Tier 1 risk-based capital ratio | 11.7445% | 5,413 |
| Total risk-based capital ratio | 12.9826% | 5,321 |
| Memoranda: | ||
| Average total assets | $2,847,105,000 | 291 |
| Average earning assets | $2,675,380,000 | 286 |
| Average equity | $252,496,000 | 349 |
| Average total loans | $2,276,116,500 | 264 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 3,414 |
| Cost of funding earning assets | 0.1577% | 6,052 |
| Net interest margin | 3.9185% | 2,163 |
| Noninterest income to average assets | 2.2306% | 292 |
| Noninterest expense to average assets | 4.5196% | 452 |
| Loan and lease loss provision to assets | 0.0022% | 4,561 |
| Net operating income to assets | 1.3155% | 1,275 |
| Return on assets (ROA) | 1.3360% | 1,270 |
| Pretax return on assets | 1.3850% | 1,934 |
| Return on Equity (ROE) | 14.5919% | 839 |
| Retained earnings to average equity (ytd only) | 4.9685% | 2,622 |
| Net charge-offs to loans | -0.0770% | 6,049 |
| Credit loss provision to net charge-offs | -3.6442% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7924% | 2,393 |
| Assets per employee ($millions) | 3.6507% | 4,625 |
| Cash dividends to net income (ytd only)* | 65.9503% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0423% | 1,037 |
| Loan loss allowance to noncurrent loans | 704.4990% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 5,056 |
| Noncurrent loans to loans | 0.2899% | 4,811 |
| Net loans and leases to total assets | 81.5723% | 566 |
| Net loans and leases to deposits | 91.7821% | 1,312 |
| Net loans and leases to core deposits | 95.1447% | 1,794 |
| Total domestic deposits to total assets | 88.8760% | 1,305 |
| Equity capital to assets | 9.0617% | 5,223 |
| Core capital (leverage) ratio | 8.8794% | 5,150 |
| Tier 1 risk-based capital ratio | 11.3538% | 5,738 |
| Total risk-based capital ratio | 12.5915% | 5,665 |
| Memoranda: | ||
| Average total assets | $2,633,153,800 | 290 |
| Average earning assets | $2,456,064,800 | 285 |
| Average equity | $241,078,800 | 342 |
| Average total loans | $2,101,511,200 | 262 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,728 |
| Cost of funding earning assets | 0.1561% | 6,148 |
| Net interest margin | 3.8515% | 2,428 |
| Noninterest income to average assets | 2.2056% | 294 |
| Noninterest expense to average assets | 4.4852% | 464 |
| Loan and lease loss provision to assets | 0.0020% | 4,365 |
| Net operating income to assets | 1.2618% | 1,490 |
| Return on assets (ROA) | 1.2629% | 1,543 |
| Pretax return on assets | 1.3094% | 2,342 |
| Return on Equity (ROE) | 13.7574% | 1,039 |
| Retained earnings to average equity (ytd only) | 4.4172% | 3,508 |
| Net charge-offs to loans | -0.1035% | 6,149 |
| Credit loss provision to net charge-offs | -2.4984% | 5,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3921% | 2,290 |
| Assets per employee ($millions) | 3.8171% | 4,256 |
| Cash dividends to net income (ytd only)* | 67.8925% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0730% | 1,126 |
| Loan loss allowance to noncurrent loans | 637.5276% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 5,183 |
| Noncurrent loans to loans | 0.3252% | 4,933 |
| Net loans and leases to total assets | 79.5567% | 767 |
| Net loans and leases to deposits | 89.1864% | 1,525 |
| Net loans and leases to core deposits | 92.4404% | 1,998 |
| Total domestic deposits to total assets | 89.2027% | 1,126 |
| Equity capital to assets | 8.8873% | 5,480 |
| Core capital (leverage) ratio | 9.1509% | 4,852 |
| Tier 1 risk-based capital ratio | 11.3183% | 5,872 |
| Total risk-based capital ratio | 12.5560% | 5,815 |
| Memoranda: | ||
| Average total assets | $2,612,403,000 | 289 |
| Average earning assets | $2,434,917,000 | 284 |
| Average equity | $239,815,750 | 341 |
| Average total loans | $2,061,432,750 | 262 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 3,846 |
| Cost of funding earning assets | 0.1582% | 6,211 |
| Net interest margin | 3.8144% | 2,514 |
| Noninterest income to average assets | 2.2009% | 297 |
| Noninterest expense to average assets | 4.5465% | 429 |
| Loan and lease loss provision to assets | 0.0020% | 4,176 |
| Net operating income to assets | 1.1551% | 1,740 |
| Return on assets (ROA) | 1.1558% | 1,814 |
| Pretax return on assets | 1.1985% | 2,671 |
| Return on Equity (ROE) | 12.4495% | 1,317 |
| Retained earnings to average equity (ytd only) | 3.1438% | 4,205 |
| Net charge-offs to loans | -0.1556% | 6,277 |
| Credit loss provision to net charge-offs | -1.6656% | 5,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1210% | 2,152 |
| Assets per employee ($millions) | 3.5839% | 4,695 |
| Cash dividends to net income (ytd only)* | 74.7475% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1928% | 1,036 |
| Loan loss allowance to noncurrent loans | 607.3376% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 5,124 |
| Noncurrent loans to loans | 0.3611% | 4,913 |
| Net loans and leases to total assets | 79.1411% | 783 |
| Net loans and leases to deposits | 89.1430% | 1,460 |
| Net loans and leases to core deposits | 92.4411% | 1,907 |
| Total domestic deposits to total assets | 88.7800% | 1,488 |
| Equity capital to assets | 9.1941% | 5,113 |
| Core capital (leverage) ratio | 9.3000% | 4,591 |
| Tier 1 risk-based capital ratio | 11.6536% | 5,717 |
| Total risk-based capital ratio | 12.8917% | 5,673 |
| Memoranda: | ||
| Average total assets | $2,569,641,670 | 292 |
| Average earning assets | $2,388,468,000 | 287 |
| Average equity | $238,563,000 | 340 |
| Average total loans | $2,006,391,670 | 262 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 4,062 |
| Cost of funding earning assets | 0.1637% | 6,278 |
| Net interest margin | 3.7424% | 2,703 |
| Noninterest income to average assets | 2.3883% | 256 |
| Noninterest expense to average assets | 4.5249% | 447 |
| Loan and lease loss provision to assets | 0.0016% | 3,807 |
| Net operating income to assets | 1.2898% | 1,246 |
| Return on assets (ROA) | 1.2910% | 1,288 |
| Pretax return on assets | 1.3373% | 1,973 |
| Return on Equity (ROE) | 13.8374% | 973 |
| Retained earnings to average equity (ytd only) | 13.8374% | 407 |
| Net charge-offs to loans | -0.2561% | 6,444 |
| Credit loss provision to net charge-offs | -0.7974% | 4,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1835% | 2,617 |
| Assets per employee ($millions) | 3.6010% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3200% | 996 |
| Loan loss allowance to noncurrent loans | 483.5745% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 5,009 |
| Noncurrent loans to loans | 0.4798% | 4,723 |
| Net loans and leases to total assets | 74.0332% | 1,259 |
| Net loans and leases to deposits | 83.4239% | 1,888 |
| Net loans and leases to core deposits | 86.4694% | 2,270 |
| Total domestic deposits to total assets | 88.7434% | 1,807 |
| Equity capital to assets | 9.3251% | 4,728 |
| Core capital (leverage) ratio | 9.4983% | 4,274 |
| Tier 1 risk-based capital ratio | 12.2921% | 5,445 |
| Total risk-based capital ratio | 13.5310% | 5,389 |
| Memoranda: | ||
| Average total assets | $2,555,286,000 | 295 |
| Average earning assets | $2,372,153,000 | 285 |
| Average equity | $238,397,500 | 339 |
| Average total loans | $1,958,353,500 | 261 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 3,191 |
| Cost of funding earning assets | 0.1759% | 6,411 |
| Net interest margin | 4.0637% | 1,752 |
| Noninterest income to average assets | 5.1605% | 127 |
| Noninterest expense to average assets | 5.3957% | 265 |
| Loan and lease loss provision to assets | 0.0440% | 4,242 |
| Net operating income to assets | 3.3692% | 84 |
| Return on assets (ROA) | 3.3692% | 83 |
| Pretax return on assets | 3.4918% | 84 |
| Return on Equity (ROE) | 33.3787% | 48 |
| Retained earnings to average equity (ytd only) | -4.6537% | 6,350 |
| Net charge-offs to loans | 0.0235% | 4,957 |
| Credit loss provision to net charge-offs | 235.3814% | 972 |
| Earnings coverage of net charge-offs (x) | 189.2797% | 239 |
| Efficiency ratio | 60.4124% | 5,415 |
| Assets per employee ($millions) | 3.2559% | 5,377 |
| Cash dividends to net income (ytd only)* | 113.9420% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2906% | 1,046 |
| Loan loss allowance to noncurrent loans | 510.3875% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 5,148 |
| Noncurrent loans to loans | 0.4488% | 4,875 |
| Net loans and leases to total assets | 75.7440% | 1,112 |
| Net loans and leases to deposits | 85.6900% | 1,722 |
| Net loans and leases to core deposits | 88.1456% | 2,232 |
| Total domestic deposits to total assets | 88.3931% | 1,954 |
| Equity capital to assets | 9.3343% | 4,647 |
| Core capital (leverage) ratio | 9.1418% | 4,798 |
| Tier 1 risk-based capital ratio | 12.1910% | 5,500 |
| Total risk-based capital ratio | 13.4295% | 5,438 |
| Memoranda: | ||
| Average total assets | $2,526,777,000 | 291 |
| Average earning assets | $2,344,731,600 | 283 |
| Average equity | $255,046,200 | 315 |
| Average total loans | $2,004,612,000 | 253 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2883% | 3,042 |
| Cost of funding earning assets | 0.1709% | 6,548 |
| Net interest margin | 4.1175% | 1,582 |
| Noninterest income to average assets | 5.8657% | 116 |
| Noninterest expense to average assets | 5.4417% | 258 |
| Loan and lease loss provision to assets | 0.0579% | 3,892 |
| Net operating income to assets | 4.0399% | 61 |
| Return on assets (ROA) | 4.1523% | 57 |
| Pretax return on assets | 4.3034% | 67 |
| Return on Equity (ROE) | 40.3851% | 27 |
| Retained earnings to average equity (ytd only) | 6.0671% | 2,364 |
| Net charge-offs to loans | 0.0395% | 4,356 |
| Credit loss provision to net charge-offs | 183.7793% | 1,315 |
| Earnings coverage of net charge-offs (x) | 134.7648% | 400 |
| Efficiency ratio | 56.1821% | 5,882 |
| Assets per employee ($millions) | 3.1946% | 5,502 |
| Cash dividends to net income (ytd only)* | 84.9769% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4335% | 1,007 |
| Loan loss allowance to noncurrent loans | 376.9388% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 4,968 |
| Noncurrent loans to loans | 0.6456% | 4,577 |
| Net loans and leases to total assets | 69.1873% | 2,103 |
| Net loans and leases to deposits | 79.3870% | 2,494 |
| Net loans and leases to core deposits | 81.5794% | 2,929 |
| Total domestic deposits to total assets | 87.1519% | 2,598 |
| Equity capital to assets | 10.0476% | 3,835 |
| Core capital (leverage) ratio | 10.3067% | 3,234 |
| Tier 1 risk-based capital ratio | 14.3620% | 4,174 |
| Total risk-based capital ratio | 15.6022% | 4,129 |
| Memoranda: | ||
| Average total assets | $2,531,708,750 | 294 |
| Average earning assets | $2,348,915,250 | 283 |
| Average equity | $260,304,000 | 310 |
| Average total loans | $2,019,901,000 | 249 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 2,548 |
| Cost of funding earning assets | 0.1661% | 6,639 |
| Net interest margin | 4.2387% | 1,170 |
| Noninterest income to average assets | 6.6447% | 108 |
| Noninterest expense to average assets | 5.6470% | 244 |
| Loan and lease loss provision to assets | 0.0866% | 3,347 |
| Net operating income to assets | 4.6757% | 44 |
| Return on assets (ROA) | 4.6757% | 45 |
| Pretax return on assets | 4.8457% | 59 |
| Return on Equity (ROE) | 45.1263% | 23 |
| Retained earnings to average equity (ytd only) | 2.2051% | 4,870 |
| Net charge-offs to loans | 0.0987% | 3,376 |
| Credit loss provision to net charge-offs | 106.0253% | 2,086 |
| Earnings coverage of net charge-offs (x) | 60.3576% | 701 |
| Efficiency ratio | 53.3776% | 6,192 |
| Assets per employee ($millions) | 2.7035% | 6,292 |
| Cash dividends to net income (ytd only)* | 95.1135% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2397% | 1,352 |
| Loan loss allowance to noncurrent loans | 373.2184% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4989% | 5,019 |
| Noncurrent loans to loans | 0.6001% | 4,756 |
| Net loans and leases to total assets | 77.0262% | 866 |
| Net loans and leases to deposits | 88.9708% | 1,234 |
| Net loans and leases to core deposits | 91.6312% | 1,747 |
| Total domestic deposits to total assets | 86.5747% | 3,077 |
| Equity capital to assets | 10.0046% | 3,912 |
| Core capital (leverage) ratio | 10.0087% | 3,503 |
| Tier 1 risk-based capital ratio | 13.1478% | 5,036 |
| Total risk-based capital ratio | 14.3887% | 4,981 |
| Memoranda: | ||
| Average total assets | $2,518,404,330 | 296 |
| Average earning assets | $2,337,767,670 | 285 |
| Average equity | $260,943,330 | 308 |
| Average total loans | $2,085,330,670 | 245 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 2,650 |
| Cost of funding earning assets | 0.1688% | 6,737 |
| Net interest margin | 4.1937% | 1,203 |
| Noninterest income to average assets | 7.4824% | 96 |
| Noninterest expense to average assets | 5.3134% | 297 |
| Loan and lease loss provision to assets | 0.0017% | 4,398 |
| Net operating income to assets | 5.8589% | 40 |
| Return on assets (ROA) | 5.8589% | 43 |
| Pretax return on assets | 6.0717% | 51 |
| Return on Equity (ROE) | 55.6039% | 24 |
| Retained earnings to average equity (ytd only) | 55.6039% | 15 |
| Net charge-offs to loans | -0.0212% | 5,740 |
| Credit loss provision to net charge-offs | -9.6491% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6628% | 6,667 |
| Assets per employee ($millions) | 2.7455% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 1,763 |
| Loan loss allowance to noncurrent loans | 298.5210% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6443% | 4,762 |
| Noncurrent loans to loans | 0.7083% | 4,709 |
| Net loans and leases to total assets | 81.6189% | 298 |
| Net loans and leases to deposits | 95.1144% | 596 |
| Net loans and leases to core deposits | 102.7793% | 786 |
| Total domestic deposits to total assets | 85.8113% | 3,626 |
| Equity capital to assets | 11.4469% | 2,461 |
| Core capital (leverage) ratio | 11.4485% | 1,908 |
| Tier 1 risk-based capital ratio | 15.1218% | 3,757 |
| Total risk-based capital ratio | 16.3704% | 3,714 |
| Memoranda: | ||
| Average total assets | $2,532,622,500 | 297 |
| Average earning assets | $2,357,925,500 | 286 |
| Average equity | $266,859,000 | 310 |
| Average total loans | $2,147,062,500 | 239 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 3,412 |
| Cost of funding earning assets | 0.2775% | 6,559 |
| Net interest margin | 4.2166% | 1,613 |
| Noninterest income to average assets | 5.1362% | 139 |
| Noninterest expense to average assets | 5.2323% | 324 |
| Loan and lease loss provision to assets | 0.3320% | 2,047 |
| Net operating income to assets | 3.3785% | 86 |
| Return on assets (ROA) | 3.5320% | 75 |
| Pretax return on assets | 3.6623% | 91 |
| Return on Equity (ROE) | 34.1642% | 43 |
| Retained earnings to average equity (ytd only) | 2.4661% | 4,502 |
| Net charge-offs to loans | 0.4029% | 2,643 |
| Credit loss provision to net charge-offs | 101.2617% | 2,991 |
| Earnings coverage of net charge-offs (x) | 11.6937% | 2,005 |
| Efficiency ratio | 57.7081% | 5,875 |
| Assets per employee ($millions) | 2.8678% | 6,213 |
| Cash dividends to net income (ytd only)* | 92.7816% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9825% | 2,063 |
| Loan loss allowance to noncurrent loans | 286.6466% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 4,242 |
| Noncurrent loans to loans | 0.6916% | 4,810 |
| Net loans and leases to total assets | 84.4228% | 196 |
| Net loans and leases to deposits | 102.5515% | 310 |
| Net loans and leases to core deposits | 110.5162% | 523 |
| Total domestic deposits to total assets | 82.3223% | 4,988 |
| Equity capital to assets | 9.6530% | 4,647 |
| Core capital (leverage) ratio | 9.8687% | 3,581 |
| Tier 1 risk-based capital ratio | 12.7737% | 5,272 |
| Total risk-based capital ratio | 14.0247% | 5,210 |
| Memoranda: | ||
| Average total assets | $2,441,203,800 | 295 |
| Average earning assets | $2,275,627,800 | 287 |
| Average equity | $252,380,800 | 310 |
| Average total loans | $1,986,621,200 | 249 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 3,771 |
| Cost of funding earning assets | 0.3110% | 6,556 |
| Net interest margin | 4.1506% | 1,900 |
| Noninterest income to average assets | 4.5571% | 161 |
| Noninterest expense to average assets | 5.0088% | 362 |
| Loan and lease loss provision to assets | 0.3307% | 1,983 |
| Net operating income to assets | 2.9804% | 106 |
| Return on assets (ROA) | 3.1654% | 96 |
| Pretax return on assets | 3.2823% | 122 |
| Return on Equity (ROE) | 30.0862% | 76 |
| Retained earnings to average equity (ytd only) | 1.6596% | 5,502 |
| Net charge-offs to loans | 0.3829% | 2,563 |
| Credit loss provision to net charge-offs | 107.8311% | 2,724 |
| Earnings coverage of net charge-offs (x) | 11.1514% | 2,102 |
| Efficiency ratio | 59.4223% | 5,596 |
| Assets per employee ($millions) | 2.9124% | 6,196 |
| Cash dividends to net income (ytd only)* | 94.4838% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1765% | 1,755 |
| Loan loss allowance to noncurrent loans | 152.0237% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 3,531 |
| Noncurrent loans to loans | 1.4317% | 3,656 |
| Net loans and leases to total assets | 80.2664% | 486 |
| Net loans and leases to deposits | 93.5029% | 824 |
| Net loans and leases to core deposits | 100.3627% | 1,097 |
| Total domestic deposits to total assets | 85.8437% | 3,338 |
| Equity capital to assets | 9.9635% | 4,548 |
| Core capital (leverage) ratio | 9.9557% | 3,602 |
| Tier 1 risk-based capital ratio | 13.5812% | 4,833 |
| Total risk-based capital ratio | 14.8403% | 4,782 |
| Memoranda: | ||
| Average total assets | $2,409,106,500 | 298 |
| Average earning assets | $2,247,411,750 | 289 |
| Average equity | $253,465,000 | 311 |
| Average total loans | $1,929,976,500 | 254 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 3,873 |
| Cost of funding earning assets | 0.3287% | 6,603 |
| Net interest margin | 4.1462% | 1,923 |
| Noninterest income to average assets | 4.5237% | 151 |
| Noninterest expense to average assets | 4.9791% | 383 |
| Loan and lease loss provision to assets | 0.1308% | 3,890 |
| Net operating income to assets | 3.1629% | 92 |
| Return on assets (ROA) | 3.3123% | 87 |
| Pretax return on assets | 3.4348% | 109 |
| Return on Equity (ROE) | 30.9162% | 72 |
| Retained earnings to average equity (ytd only) | 23.0643% | 66 |
| Net charge-offs to loans | 0.1210% | 3,962 |
| Credit loss provision to net charge-offs | 136.0942% | 2,022 |
| Earnings coverage of net charge-offs (x) | 35.4813% | 968 |
| Efficiency ratio | 59.3526% | 5,686 |
| Assets per employee ($millions) | 3.0029% | 6,064 |
| Cash dividends to net income (ytd only)* | 25.3971% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3104% | 1,571 |
| Loan loss allowance to noncurrent loans | 184.1710% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2932% | 3,839 |
| Noncurrent loans to loans | 1.2545% | 4,037 |
| Net loans and leases to total assets | 77.1029% | 832 |
| Net loans and leases to deposits | 93.3902% | 824 |
| Net loans and leases to core deposits | 102.1031% | 975 |
| Total domestic deposits to total assets | 82.5600% | 4,930 |
| Equity capital to assets | 11.2461% | 2,845 |
| Core capital (leverage) ratio | 10.9980% | 2,294 |
| Tier 1 risk-based capital ratio | 15.4989% | 3,440 |
| Total risk-based capital ratio | 16.7615% | 3,400 |
| Memoranda: | ||
| Average total assets | $2,386,966,000 | 302 |
| Average earning assets | $2,225,323,330 | 291 |
| Average equity | $255,736,670 | 308 |
| Average total loans | $1,896,226,000 | 256 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 4,254 |
| Cost of funding earning assets | 0.3322% | 6,716 |
| Net interest margin | 4.0853% | 2,155 |
| Noninterest income to average assets | 4.5737% | 146 |
| Noninterest expense to average assets | 4.9062% | 397 |
| Loan and lease loss provision to assets | 0.2604% | 2,371 |
| Net operating income to assets | 3.0993% | 97 |
| Return on assets (ROA) | 3.2439% | 100 |
| Pretax return on assets | 3.3624% | 132 |
| Return on Equity (ROE) | 31.0667% | 95 |
| Retained earnings to average equity (ytd only) | 14.8298% | 467 |
| Net charge-offs to loans | 0.3146% | 2,387 |
| Credit loss provision to net charge-offs | 103.8384% | 2,227 |
| Earnings coverage of net charge-offs (x) | 13.8465% | 1,508 |
| Efficiency ratio | 58.5577% | 5,840 |
| Assets per employee ($millions) | 3.0072% | 6,140 |
| Cash dividends to net income (ytd only)* | 52.2644% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2622% | 1,756 |
| Loan loss allowance to noncurrent loans | 138.0132% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.8206% | 3,149 |
| Noncurrent loans to loans | 1.6391% | 3,644 |
| Net loans and leases to total assets | 79.9163% | 412 |
| Net loans and leases to deposits | 95.8685% | 545 |
| Net loans and leases to core deposits | 104.8582% | 725 |
| Total domestic deposits to total assets | 83.3603% | 4,783 |
| Equity capital to assets | 10.6313% | 3,344 |
| Core capital (leverage) ratio | 10.4192% | 2,848 |
| Tier 1 risk-based capital ratio | 14.2144% | 4,302 |
| Total risk-based capital ratio | 15.4784% | 4,266 |
| Memoranda: | ||
| Average total assets | $2,368,779,000 | 301 |
| Average earning assets | $2,206,058,000 | 291 |
| Average equity | $247,339,000 | 311 |
| Average total loans | $1,888,011,000 | 254 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4659% | 5,196 |
| Cost of funding earning assets | 0.5031% | 6,518 |
| Net interest margin | 3.9627% | 3,056 |
| Noninterest income to average assets | 3.0050% | 209 |
| Noninterest expense to average assets | 4.4368% | 623 |
| Loan and lease loss provision to assets | 0.3740% | 2,754 |
| Net operating income to assets | 1.8046% | 454 |
| Return on assets (ROA) | 2.0336% | 308 |
| Pretax return on assets | 2.1100% | 433 |
| Return on Equity (ROE) | 21.3882% | 207 |
| Retained earnings to average equity (ytd only) | 12.6408% | 255 |
| Net charge-offs to loans | 0.4155% | 3,347 |
| Credit loss provision to net charge-offs | 116.3941% | 2,783 |
| Earnings coverage of net charge-offs (x) | 6.9885% | 2,417 |
| Efficiency ratio | 66.3967% | 4,684 |
| Assets per employee ($millions) | 3.1115% | 5,874 |
| Cash dividends to net income (ytd only)* | 40.8985% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3812% | 1,492 |
| Loan loss allowance to noncurrent loans | 138.7424% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.8554% | 3,181 |
| Noncurrent loans to loans | 1.7163% | 3,587 |
| Net loans and leases to total assets | 75.7916% | 972 |
| Net loans and leases to deposits | 90.8625% | 1,070 |
| Net loans and leases to core deposits | 101.4286% | 1,066 |
| Total domestic deposits to total assets | 83.4135% | 4,589 |
| Equity capital to assets | 10.2518% | 3,848 |
| Core capital (leverage) ratio | 9.7557% | 3,666 |
| Tier 1 risk-based capital ratio | 14.1344% | 4,230 |
| Total risk-based capital ratio | 15.4013% | 4,170 |
| Memoranda: | ||
| Average total assets | $2,416,711,800 | 289 |
| Average earning assets | $2,242,611,000 | 280 |
| Average equity | $229,780,400 | 314 |
| Average total loans | $1,868,941,400 | 249 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 5,431 |
| Cost of funding earning assets | 0.5228% | 6,610 |
| Net interest margin | 3.9269% | 3,244 |
| Noninterest income to average assets | 2.2178% | 323 |
| Noninterest expense to average assets | 4.0508% | 947 |
| Loan and lease loss provision to assets | 0.3604% | 2,704 |
| Net operating income to assets | 1.3962% | 1,159 |
| Return on assets (ROA) | 1.6672% | 744 |
| Pretax return on assets | 1.7302% | 1,080 |
| Return on Equity (ROE) | 17.8755% | 469 |
| Retained earnings to average equity (ytd only) | 9.6652% | 937 |
| Net charge-offs to loans | 0.4225% | 3,032 |
| Credit loss provision to net charge-offs | 110.3918% | 2,988 |
| Earnings coverage of net charge-offs (x) | 5.5393% | 2,758 |
| Efficiency ratio | 69.1372% | 4,108 |
| Assets per employee ($millions) | 3.4950% | 5,009 |
| Cash dividends to net income (ytd only)* | 45.9305% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 1,785 |
| Loan loss allowance to noncurrent loans | 121.8279% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 2.5455% | 2,524 |
| Noncurrent loans to loans | 1.8457% | 3,572 |
| Net loans and leases to total assets | 77.3971% | 786 |
| Net loans and leases to deposits | 93.7442% | 859 |
| Net loans and leases to core deposits | 105.0143% | 920 |
| Total domestic deposits to total assets | 82.5620% | 4,853 |
| Equity capital to assets | 9.5280% | 5,036 |
| Core capital (leverage) ratio | 9.5591% | 4,059 |
| Tier 1 risk-based capital ratio | 12.7196% | 5,315 |
| Total risk-based capital ratio | 13.9848% | 5,284 |
| Memoranda: | ||
| Average total assets | $2,428,927,000 | 288 |
| Average earning assets | $2,252,214,500 | 278 |
| Average equity | $226,538,750 | 321 |
| Average total loans | $1,876,574,750 | 246 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 5,365 |
| Cost of funding earning assets | 0.5460% | 6,680 |
| Net interest margin | 3.9511% | 3,085 |
| Noninterest income to average assets | 2.3718% | 290 |
| Noninterest expense to average assets | 4.0930% | 923 |
| Loan and lease loss provision to assets | 0.4909% | 2,005 |
| Net operating income to assets | 1.4017% | 1,079 |
| Return on assets (ROA) | 1.7996% | 541 |
| Pretax return on assets | 1.8665% | 760 |
| Return on Equity (ROE) | 19.4342% | 351 |
| Retained earnings to average equity (ytd only) | 14.8147% | 260 |
| Net charge-offs to loans | 0.4189% | 2,885 |
| Credit loss provision to net charge-offs | 152.9472% | 1,996 |
| Earnings coverage of net charge-offs (x) | 6.0533% | 2,481 |
| Efficiency ratio | 67.8092% | 4,549 |
| Assets per employee ($millions) | 3.4289% | 5,127 |
| Cash dividends to net income (ytd only)* | 23.7703% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4303% | 1,546 |
| Loan loss allowance to noncurrent loans | 117.6553% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 2.6546% | 2,514 |
| Noncurrent loans to loans | 2.0656% | 3,389 |
| Net loans and leases to total assets | 76.0679% | 1,065 |
| Net loans and leases to deposits | 92.5644% | 991 |
| Net loans and leases to core deposits | 104.7591% | 1,002 |
| Total domestic deposits to total assets | 82.1784% | 5,106 |
| Equity capital to assets | 9.8451% | 4,338 |
| Core capital (leverage) ratio | 9.5885% | 3,827 |
| Tier 1 risk-based capital ratio | 13.1571% | 4,797 |
| Total risk-based capital ratio | 14.4252% | 4,768 |
| Memoranda: | ||
| Average total assets | $2,431,226,330 | 290 |
| Average earning assets | $2,254,710,000 | 282 |
| Average equity | $225,128,330 | 326 |
| Average total loans | $1,862,865,670 | 249 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 5,420 |
| Cost of funding earning assets | 0.5977% | 6,620 |
| Net interest margin | 3.8786% | 3,250 |
| Noninterest income to average assets | 3.3215% | 193 |
| Noninterest expense to average assets | 4.3759% | 669 |
| Loan and lease loss provision to assets | 0.7251% | 1,164 |
| Net operating income to assets | 1.7546% | 532 |
| Return on assets (ROA) | 2.2675% | 253 |
| Pretax return on assets | 2.3511% | 315 |
| Return on Equity (ROE) | 25.2472% | 162 |
| Retained earnings to average equity (ytd only) | 25.2472% | 100 |
| Net charge-offs to loans | 0.6187% | 1,961 |
| Credit loss provision to net charge-offs | 154.2355% | 1,856 |
| Earnings coverage of net charge-offs (x) | 5.4067% | 2,284 |
| Efficiency ratio | 63.2553% | 5,479 |
| Assets per employee ($millions) | 3.7086% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4905% | 1,473 |
| Loan loss allowance to noncurrent loans | 95.4131% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 2.7757% | 2,488 |
| Noncurrent loans to loans | 2.6102% | 2,889 |
| Net loans and leases to total assets | 68.4321% | 2,470 |
| Net loans and leases to deposits | 82.6330% | 2,249 |
| Net loans and leases to core deposits | 96.6364% | 1,625 |
| Total domestic deposits to total assets | 82.8145% | 4,987 |
| Equity capital to assets | 9.0709% | 5,093 |
| Core capital (leverage) ratio | 8.9593% | 4,677 |
| Tier 1 risk-based capital ratio | 13.0150% | 4,814 |
| Total risk-based capital ratio | 14.2844% | 4,788 |
| Memoranda: | ||
| Average total assets | $2,470,715,000 | 289 |
| Average earning assets | $2,290,941,500 | 277 |
| Average equity | $221,902,000 | 326 |
| Average total loans | $1,877,360,500 | 249 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 5,782 |
| Cost of funding earning assets | 0.9005% | 6,175 |
| Net interest margin | 3.8055% | 3,917 |
| Noninterest income to average assets | 2.9006% | 239 |
| Noninterest expense to average assets | 3.7504% | 1,589 |
| Loan and lease loss provision to assets | 2.0552% | 630 |
| Net operating income to assets | 0.5896% | 3,721 |
| Return on assets (ROA) | 1.2433% | 1,380 |
| Pretax return on assets | 1.2901% | 1,955 |
| Return on Equity (ROE) | 14.4117% | 814 |
| Retained earnings to average equity (ytd only) | 2.1736% | 4,371 |
| Net charge-offs to loans | 1.4522% | 1,526 |
| Credit loss provision to net charge-offs | 183.7531% | 1,788 |
| Earnings coverage of net charge-offs (x) | 2.3822% | 3,948 |
| Efficiency ratio | 58.4638% | 6,280 |
| Assets per employee ($millions) | 3.2477% | 5,542 |
| Cash dividends to net income (ytd only)* | 84.9180% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1414% | 1,981 |
| Loan loss allowance to noncurrent loans | 83.4030% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 2.8801% | 2,435 |
| Noncurrent loans to loans | 2.5675% | 2,961 |
| Net loans and leases to total assets | 80.2779% | 630 |
| Net loans and leases to deposits | 99.2911% | 620 |
| Net loans and leases to core deposits | 116.9164% | 610 |
| Total domestic deposits to total assets | 80.8510% | 5,569 |
| Equity capital to assets | 8.8879% | 5,307 |
| Core capital (leverage) ratio | 7.9548% | 6,262 |
| Tier 1 risk-based capital ratio | 11.4077% | 5,987 |
| Total risk-based capital ratio | 12.6751% | 5,965 |
| Memoranda: | ||
| Average total assets | $2,453,232,800 | 292 |
| Average earning assets | $2,265,461,800 | 282 |
| Average equity | $211,633,400 | 334 |
| Average total loans | $1,889,492,000 | 254 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 6,086 |
| Cost of funding earning assets | 0.9217% | 6,303 |
| Net interest margin | 3.7603% | 4,137 |
| Noninterest income to average assets | 2.2345% | 320 |
| Noninterest expense to average assets | 3.5411% | 1,932 |
| Loan and lease loss provision to assets | 1.9446% | 617 |
| Net operating income to assets | 0.2125% | 5,476 |
| Return on assets (ROA) | 0.8573% | 2,917 |
| Pretax return on assets | 0.8902% | 3,590 |
| Return on Equity (ROE) | 10.0121% | 2,116 |
| Retained earnings to average equity (ytd only) | 1.8521% | 5,035 |
| Net charge-offs to loans | 1.3840% | 1,470 |
| Credit loss provision to net charge-offs | 185.3868% | 1,949 |
| Earnings coverage of net charge-offs (x) | 2.0622% | 4,181 |
| Efficiency ratio | 62.0785% | 5,607 |
| Assets per employee ($millions) | 3.5547% | 4,840 |
| Cash dividends to net income (ytd only)* | 81.5011% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 2,535 |
| Loan loss allowance to noncurrent loans | 71.1765% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 2.6177% | 2,763 |
| Noncurrent loans to loans | 2.6460% | 2,983 |
| Net loans and leases to total assets | 71.9981% | 2,250 |
| Net loans and leases to deposits | 90.6824% | 1,627 |
| Net loans and leases to core deposits | 101.8817% | 1,666 |
| Total domestic deposits to total assets | 79.3959% | 5,896 |
| Equity capital to assets | 8.1679% | 6,650 |
| Core capital (leverage) ratio | 8.2685% | 5,932 |
| Tier 1 risk-based capital ratio | 11.5584% | 5,873 |
| Total risk-based capital ratio | 12.8251% | 5,847 |
| Memoranda: | ||
| Average total assets | $2,461,653,250 | 288 |
| Average earning assets | $2,271,334,750 | 279 |
| Average equity | $210,780,000 | 330 |
| Average total loans | $1,865,648,250 | 256 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 5,949 |
| Cost of funding earning assets | 0.9751% | 6,262 |
| Net interest margin | 3.7804% | 3,988 |
| Noninterest income to average assets | 1.5250% | 552 |
| Noninterest expense to average assets | 3.4769% | 2,077 |
| Loan and lease loss provision to assets | 1.1689% | 1,213 |
| Net operating income to assets | 0.3433% | 4,999 |
| Return on assets (ROA) | 0.7641% | 3,283 |
| Pretax return on assets | 0.7933% | 3,906 |
| Return on Equity (ROE) | 8.7780% | 2,560 |
| Retained earnings to average equity (ytd only) | -3.5076% | 6,371 |
| Net charge-offs to loans | 1.0553% | 1,780 |
| Credit loss provision to net charge-offs | 144.4968% | 2,750 |
| Earnings coverage of net charge-offs (x) | 1.8837% | 4,109 |
| Efficiency ratio | 69.5280% | 4,276 |
| Assets per employee ($millions) | 3.8399% | 4,129 |
| Cash dividends to net income (ytd only)* | 139.9588% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 5,046 |
| Loan loss allowance to noncurrent loans | 41.5048% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 3.0856% | 2,300 |
| Noncurrent loans to loans | 3.0778% | 2,613 |
| Net loans and leases to total assets | 74.5791% | 1,794 |
| Net loans and leases to deposits | 95.3561% | 1,109 |
| Net loans and leases to core deposits | 103.2371% | 1,708 |
| Total domestic deposits to total assets | 78.2111% | 6,223 |
| Equity capital to assets | 8.4228% | 6,265 |
| Core capital (leverage) ratio | 8.1723% | 5,993 |
| Tier 1 risk-based capital ratio | 11.0237% | 6,213 |
| Total risk-based capital ratio | 12.2755% | 6,198 |
| Memoranda: | ||
| Average total assets | $2,412,491,670 | 294 |
| Average earning assets | $2,218,064,330 | 286 |
| Average equity | $210,002,670 | 332 |
| Average total loans | $1,849,335,330 | 260 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7441% | 6,097 |
| Cost of funding earning assets | 1.0154% | 6,301 |
| Net interest margin | 3.7288% | 4,106 |
| Noninterest income to average assets | 2.1799% | 301 |
| Noninterest expense to average assets | 3.7735% | 1,364 |
| Loan and lease loss provision to assets | 1.3765% | 869 |
| Net operating income to assets | 0.4760% | 4,510 |
| Return on assets (ROA) | 0.6968% | 3,569 |
| Pretax return on assets | 0.7222% | 4,160 |
| Return on Equity (ROE) | 7.8724% | 2,950 |
| Retained earnings to average equity (ytd only) | -0.0948% | 5,855 |
| Net charge-offs to loans | 0.6939% | 2,106 |
| Credit loss provision to net charge-offs | 256.8296% | 1,512 |
| Earnings coverage of net charge-offs (x) | 3.4865% | 2,892 |
| Efficiency ratio | 66.8809% | 4,940 |
| Assets per employee ($millions) | 3.9957% | 3,885 |
| Cash dividends to net income (ytd only)* | 101.2048% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 4,677 |
| Loan loss allowance to noncurrent loans | 55.9629% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.5763% | 2,832 |
| Noncurrent loans to loans | 2.4124% | 3,265 |
| Net loans and leases to total assets | 74.5114% | 1,857 |
| Net loans and leases to deposits | 96.6259% | 1,032 |
| Net loans and leases to core deposits | 107.7219% | 1,439 |
| Total domestic deposits to total assets | 77.1133% | 6,533 |
| Equity capital to assets | 8.7348% | 5,681 |
| Core capital (leverage) ratio | 8.5023% | 5,370 |
| Tier 1 risk-based capital ratio | 11.3626% | 5,801 |
| Total risk-based capital ratio | 12.6097% | 5,775 |
| Memoranda: | ||
| Average total assets | $2,382,301,500 | 306 |
| Average earning assets | $2,212,000,500 | 296 |
| Average equity | $210,862,000 | 332 |
| Average total loans | $1,839,948,500 | 274 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 6,216 |
| Cost of funding earning assets | 1.2680% | 6,417 |
| Net interest margin | 3.7964% | 3,723 |
| Noninterest income to average assets | 2.6241% | 258 |
| Noninterest expense to average assets | 3.8604% | 1,567 |
| Loan and lease loss provision to assets | 1.7119% | 1,334 |
| Net operating income to assets | 0.5800% | 3,404 |
| Return on assets (ROA) | 0.7180% | 2,936 |
| Pretax return on assets | 0.7469% | 3,417 |
| Return on Equity (ROE) | 8.4759% | 2,208 |
| Retained earnings to average equity (ytd only) | 2.2760% | 3,522 |
| Net charge-offs to loans | 1.8301% | 1,359 |
| Credit loss provision to net charge-offs | 116.7209% | 4,644 |
| Earnings coverage of net charge-offs (x) | 1.5785% | 4,560 |
| Efficiency ratio | 62.5110% | 6,055 |
| Assets per employee ($millions) | 3.7211% | 4,473 |
| Cash dividends to net income (ytd only)* | 73.1471% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 6,139 |
| Loan loss allowance to noncurrent loans | 39.0097% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 2.8289% | 2,478 |
| Noncurrent loans to loans | 2.6861% | 2,861 |
| Net loans and leases to total assets | 78.1429% | 1,347 |
| Net loans and leases to deposits | 103.3486% | 679 |
| Net loans and leases to core deposits | 113.2371% | 2,575 |
| Total domestic deposits to total assets | 75.6111% | 6,757 |
| Equity capital to assets | 8.9699% | 5,192 |
| Core capital (leverage) ratio | 8.4591% | 5,345 |
| Tier 1 risk-based capital ratio | 11.2244% | 5,689 |
| Total risk-based capital ratio | 12.3979% | 5,735 |
| Memoranda: | ||
| Average total assets | $2,303,806,600 | 315 |
| Average earning assets | $2,155,097,200 | 305 |
| Average equity | $195,165,400 | 357 |
| Average total loans | $1,846,357,200 | 286 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 6,311 |
| Cost of funding earning assets | 1.3039% | 6,548 |
| Net interest margin | 3.7843% | 3,719 |
| Noninterest income to average assets | 2.7190% | 242 |
| Noninterest expense to average assets | 3.8339% | 1,529 |
| Loan and lease loss provision to assets | 1.7574% | 1,051 |
| Net operating income to assets | 0.6505% | 3,399 |
| Return on assets (ROA) | 0.7543% | 3,069 |
| Pretax return on assets | 0.7838% | 3,590 |
| Return on Equity (ROE) | 9.0416% | 2,248 |
| Retained earnings to average equity (ytd only) | 2.0629% | 4,170 |
| Net charge-offs to loans | 1.5706% | 1,305 |
| Credit loss provision to net charge-offs | 139.0922% | 3,552 |
| Earnings coverage of net charge-offs (x) | 1.9257% | 4,370 |
| Efficiency ratio | 61.1766% | 6,243 |
| Assets per employee ($millions) | 4.0783% | 3,592 |
| Cash dividends to net income (ytd only)* | 77.1843% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 4,881 |
| Loan loss allowance to noncurrent loans | 54.6310% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.3818% | 2,892 |
| Noncurrent loans to loans | 2.2763% | 3,294 |
| Net loans and leases to total assets | 74.0292% | 2,509 |
| Net loans and leases to deposits | 96.8307% | 1,469 |
| Net loans and leases to core deposits | 105.1669% | 3,799 |
| Total domestic deposits to total assets | 76.4522% | 6,483 |
| Equity capital to assets | 8.2175% | 6,618 |
| Core capital (leverage) ratio | 8.1892% | 6,036 |
| Tier 1 risk-based capital ratio | 10.4632% | 6,511 |
| Total risk-based capital ratio | 11.7141% | 6,462 |
| Memoranda: | ||
| Average total assets | $2,289,961,250 | 327 |
| Average earning assets | $2,146,968,500 | 318 |
| Average equity | $191,052,500 | 375 |
| Average total loans | $1,842,181,250 | 298 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 5,944 |
| Cost of funding earning assets | 1.3846% | 6,534 |
| Net interest margin | 3.8486% | 3,345 |
| Noninterest income to average assets | 3.0504% | 209 |
| Noninterest expense to average assets | 4.1063% | 1,183 |
| Loan and lease loss provision to assets | 1.7691% | 943 |
| Net operating income to assets | 0.7587% | 3,012 |
| Return on assets (ROA) | 0.7663% | 3,090 |
| Pretax return on assets | 0.7959% | 3,687 |
| Return on Equity (ROE) | 9.1362% | 2,313 |
| Retained earnings to average equity (ytd only) | 5.9624% | 2,039 |
| Net charge-offs to loans | 1.7423% | 1,092 |
| Credit loss provision to net charge-offs | 123.2353% | 3,774 |
| Earnings coverage of net charge-offs (x) | 1.7812% | 4,220 |
| Efficiency ratio | 61.6254% | 6,295 |
| Assets per employee ($millions) | 3.7853% | 4,134 |
| Cash dividends to net income (ytd only)* | 34.7383% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 6,747 |
| Loan loss allowance to noncurrent loans | 49.0868% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.8039% | 3,467 |
| Noncurrent loans to loans | 1.8431% | 3,746 |
| Net loans and leases to total assets | 83.3611% | 733 |
| Net loans and leases to deposits | 111.5707% | 495 |
| Net loans and leases to core deposits | 120.7640% | 2,295 |
| Total domestic deposits to total assets | 74.7159% | 6,819 |
| Equity capital to assets | 8.4621% | 6,101 |
| Core capital (leverage) ratio | 8.0462% | 6,244 |
| Tier 1 risk-based capital ratio | 9.9563% | 6,980 |
| Total risk-based capital ratio | 10.9646% | 7,165 |
| Memoranda: | ||
| Average total assets | $2,253,928,000 | 337 |
| Average earning assets | $2,115,918,670 | 328 |
| Average equity | $189,050,000 | 381 |
| Average total loans | $1,857,034,670 | 303 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2145% | 6,236 |
| Cost of funding earning assets | 1.5198% | 6,344 |
| Net interest margin | 3.6947% | 3,911 |
| Noninterest income to average assets | 1.9142% | 390 |
| Noninterest expense to average assets | 3.5751% | 1,917 |
| Loan and lease loss provision to assets | 0.8761% | 1,500 |
| Net operating income to assets | 0.8911% | 2,732 |
| Return on assets (ROA) | 0.9065% | 2,825 |
| Pretax return on assets | 0.9429% | 3,560 |
| Return on Equity (ROE) | 10.8581% | 2,012 |
| Retained earnings to average equity (ytd only) | 4.3911% | 3,473 |
| Net charge-offs to loans | 0.7085% | 1,770 |
| Credit loss provision to net charge-offs | 151.7456% | 2,751 |
| Earnings coverage of net charge-offs (x) | 3.1228% | 3,281 |
| Efficiency ratio | 66.4759% | 5,238 |
| Assets per employee ($millions) | 3.9598% | 3,748 |
| Cash dividends to net income (ytd only)* | 59.5593% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 7,030 |
| Loan loss allowance to noncurrent loans | 50.0742% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 1.6285% | 3,471 |
| Noncurrent loans to loans | 1.6680% | 3,768 |
| Net loans and leases to total assets | 80.1567% | 1,353 |
| Net loans and leases to deposits | 106.7020% | 815 |
| Net loans and leases to core deposits | 113.8182% | 3,022 |
| Total domestic deposits to total assets | 75.1220% | 6,688 |
| Equity capital to assets | 8.2495% | 6,465 |
| Core capital (leverage) ratio | 8.1354% | 6,216 |
| Tier 1 risk-based capital ratio | 9.9056% | 7,033 |
| Total risk-based capital ratio | 10.7789% | 7,343 |
| Memoranda: | ||
| Average total assets | $2,222,582,500 | 342 |
| Average earning assets | $2,083,730,000 | 333 |
| Average equity | $185,557,500 | 386 |
| Average total loans | $1,811,157,000 | 309 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9715% | 5,692 |
| Cost of funding earning assets | 1.9765% | 6,488 |
| Net interest margin | 3.9950% | 3,137 |
| Noninterest income to average assets | 1.1385% | 1,197 |
| Noninterest expense to average assets | 3.3960% | 2,693 |
| Loan and lease loss provision to assets | 0.6629% | 2,188 |
| Net operating income to assets | 0.7513% | 3,661 |
| Return on assets (ROA) | 0.7961% | 3,291 |
| Pretax return on assets | 0.8380% | 3,936 |
| Return on Equity (ROE) | 9.3199% | 2,513 |
| Retained earnings to average equity (ytd only) | 1.7182% | 4,186 |
| Net charge-offs to loans | 0.6661% | 1,855 |
| Credit loss provision to net charge-offs | 127.0769% | 4,205 |
| Earnings coverage of net charge-offs (x) | 2.7869% | 4,696 |
| Efficiency ratio | 70.0247% | 4,347 |
| Assets per employee ($millions) | 4.3324% | 2,910 |
| Cash dividends to net income (ytd only)* | 81.5642% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 7,155 |
| Loan loss allowance to noncurrent loans | 62.6841% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 1.3001% | 3,624 |
| Noncurrent loans to loans | 1.2555% | 4,002 |
| Net loans and leases to total assets | 81.5469% | 1,312 |
| Net loans and leases to deposits | 114.7551% | 585 |
| Net loans and leases to core deposits | 123.3592% | 2,373 |
| Total domestic deposits to total assets | 71.0616% | 7,151 |
| Equity capital to assets | 8.4552% | 6,164 |
| Core capital (leverage) ratio | 8.4631% | 5,636 |
| Tier 1 risk-based capital ratio | 10.0203% | 6,713 |
| Total risk-based capital ratio | 10.8191% | 7,137 |
| Memoranda: | ||
| Average total assets | $2,171,473,600 | 334 |
| Average earning assets | $2,017,183,600 | 326 |
| Average equity | $185,485,800 | 396 |
| Average total loans | $1,700,517,800 | 317 |