Home > Heritage Bank of Commerce > Performance and Condition Ratios
Heritage Bank of Commerce, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 2,481 |
| Cost of funding earning assets | 1.0003% | 3,289 |
| Net interest margin | 3.7943% | 1,573 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.8287% | 3,953 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2904% | 1,451 |
| Return on assets (ROA) | 1.2904% | 1,424 |
| Pretax return on assets | 1.8110% | 875 |
| Return on Equity (ROE) | 10.2300% | 2,428 |
| Retained earnings to average equity (ytd only) | 5.4615% | 2,419 |
| Net charge-offs to loans | 0.0092% | 2,316 |
| Credit loss provision to net charge-offs | 247.1947% | 1,077 |
| Earnings coverage of net charge-offs (x) | 320.4290% | 414 |
| Efficiency ratio | 48.8118% | 4,047 |
| Assets per employee ($millions) | 14.8734% | 221 |
| Cash dividends to net income (ytd only)* | 46.6146% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 1,277 |
| Loan loss allowance to noncurrent loans | 622.2655% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 2,529 |
| Noncurrent loans to loans | 0.2299% | 2,400 |
| Net loans and leases to total assets | 63.6600% | 2,493 |
| Net loans and leases to deposits | 75.1574% | 2,533 |
| Net loans and leases to core deposits | 78.5094% | 2,799 |
| Total domestic deposits to total assets | 84.7100% | 2,406 |
| Equity capital to assets | 13.3104% | 797 |
| Core capital (leverage) ratio | 10.3943% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9373% | 1,551 |
| Memoranda: | ||
| Average total assets | $5,319,878,000 | 265 |
| Average earning assets | $4,890,945,800 | 258 |
| Average equity | $671,021,200 | 221 |
| Average total loans | $3,299,303,600 | 278 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 2,365 |
| Cost of funding earning assets | 0.8903% | 3,298 |
| Net interest margin | 3.8637% | 1,471 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.8119% | 3,957 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3518% | 1,417 |
| Return on assets (ROA) | 1.3518% | 1,395 |
| Pretax return on assets | 1.9032% | 857 |
| Return on Equity (ROE) | 10.8600% | 2,414 |
| Retained earnings to average equity (ytd only) | 6.0583% | 2,607 |
| Net charge-offs to loans | 0.0110% | 1,996 |
| Credit loss provision to net charge-offs | 170.3704% | 1,227 |
| Earnings coverage of net charge-offs (x) | 284.6593% | 470 |
| Efficiency ratio | 47.4160% | 4,071 |
| Assets per employee ($millions) | 15.5254% | 177 |
| Cash dividends to net income (ytd only)* | 44.2282% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,246 |
| Loan loss allowance to noncurrent loans | 869.8395% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 2,900 |
| Noncurrent loans to loans | 0.1669% | 2,702 |
| Net loans and leases to total assets | 59.9400% | 2,854 |
| Net loans and leases to deposits | 70.4789% | 2,809 |
| Net loans and leases to core deposits | 74.5683% | 2,957 |
| Total domestic deposits to total assets | 85.0500% | 2,480 |
| Equity capital to assets | 12.5794% | 899 |
| Core capital (leverage) ratio | 9.9828% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0313% | 1,552 |
| Memoranda: | ||
| Average total assets | $5,352,140,250 | 267 |
| Average earning assets | $4,922,591,500 | 260 |
| Average equity | $666,047,000 | 222 |
| Average total loans | $3,285,983,750 | 279 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 2,262 |
| Cost of funding earning assets | 0.7330% | 3,399 |
| Net interest margin | 3.9398% | 1,351 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.8196% | 3,960 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4017% | 1,326 |
| Return on assets (ROA) | 1.4017% | 1,306 |
| Pretax return on assets | 1.9730% | 778 |
| Return on Equity (ROE) | 11.3100% | 2,348 |
| Retained earnings to average equity (ytd only) | 6.4679% | 2,455 |
| Net charge-offs to loans | 0.0001% | 2,454 |
| Credit loss provision to net charge-offs | 29,200.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 52,925.0000% | 1 |
| Efficiency ratio | 46.6541% | 4,133 |
| Assets per employee ($millions) | 15.3146% | 184 |
| Cash dividends to net income (ytd only)* | 42.7888% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,344 |
| Loan loss allowance to noncurrent loans | 863.3375% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 2,809 |
| Noncurrent loans to loans | 0.1682% | 2,637 |
| Net loans and leases to total assets | 61.0500% | 2,672 |
| Net loans and leases to deposits | 71.7582% | 2,666 |
| Net loans and leases to core deposits | 74.5937% | 2,853 |
| Total domestic deposits to total assets | 85.0700% | 2,527 |
| Equity capital to assets | 12.6235% | 909 |
| Core capital (leverage) ratio | 10.0390% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8291% | 1,616 |
| Memoranda: | ||
| Average total assets | $5,335,241,333 | 260 |
| Average earning assets | $4,908,138,333 | 255 |
| Average equity | $661,514,667 | 218 |
| Average total loans | $3,285,877,667 | 267 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 2,135 |
| Cost of funding earning assets | 0.5266% | 3,608 |
| Net interest margin | 4.0488% | 1,180 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.8334% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4914% | 1,205 |
| Return on assets (ROA) | 1.4914% | 1,185 |
| Pretax return on assets | 2.0971% | 658 |
| Return on Equity (ROE) | 12.1400% | 2,181 |
| Retained earnings to average equity (ytd only) | 7.2662% | 2,431 |
| Net charge-offs to loans | 0.0330% | 1,055 |
| Credit loss provision to net charge-offs | 11.8081% | 1,398 |
| Earnings coverage of net charge-offs (x) | 103.5351% | 773 |
| Efficiency ratio | 45.4737% | 4,250 |
| Assets per employee ($millions) | 16.3389% | 158 |
| Cash dividends to net income (ytd only)* | 40.1365% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,440 |
| Loan loss allowance to noncurrent loans | 2,110.4018% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,383 |
| Noncurrent loans to loans | 0.0686% | 3,240 |
| Net loans and leases to total assets | 58.0900% | 2,864 |
| Net loans and leases to deposits | 72.0463% | 2,467 |
| Net loans and leases to core deposits | 74.8812% | 2,608 |
| Total domestic deposits to total assets | 80.6300% | 3,688 |
| Equity capital to assets | 11.9909% | 1,003 |
| Core capital (leverage) ratio | 9.9197% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6851% | 1,730 |
| Memoranda: | ||
| Average total assets | $5,345,777,000 | 272 |
| Average earning assets | $4,921,597,000 | 265 |
| Average equity | $656,854,000 | 223 |
| Average total loans | $3,282,856,500 | 275 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 2,241 |
| Cost of funding earning assets | 0.1366% | 4,196 |
| Net interest margin | 3.6767% | 1,436 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.6972% | 4,188 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.3161% | 1,375 |
| Return on assets (ROA) | 1.3161% | 1,335 |
| Pretax return on assets | 1.8656% | 633 |
| Return on Equity (ROE) | 11.2700% | 2,389 |
| Retained earnings to average equity (ytd only) | 6.1682% | 2,578 |
| Net charge-offs to loans | -0.1099% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.0754% | 4,341 |
| Assets per employee ($millions) | 15.5670% | 179 |
| Cash dividends to net income (ytd only)* | 45.2610% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 1,373 |
| Loan loss allowance to noncurrent loans | 1,959.2577% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,342 |
| Noncurrent loans to loans | 0.0735% | 3,236 |
| Net loans and leases to total assets | 63.1400% | 2,317 |
| Net loans and leases to deposits | 73.7657% | 2,273 |
| Net loans and leases to core deposits | 75.5900% | 2,455 |
| Total domestic deposits to total assets | 85.6000% | 2,832 |
| Equity capital to assets | 12.6060% | 782 |
| Core capital (leverage) ratio | 9.4850% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2182% | 1,886 |
| Memoranda: | ||
| Average total assets | $5,371,882,600 | 263 |
| Average earning assets | $4,956,671,400 | 258 |
| Average equity | $627,427,400 | 229 |
| Average total loans | $3,143,776,200 | 274 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 2,444 |
| Cost of funding earning assets | 0.1026% | 4,261 |
| Net interest margin | 3.4568% | 1,790 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.6608% | 4,220 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2003% | 1,689 |
| Return on assets (ROA) | 1.2003% | 1,667 |
| Pretax return on assets | 1.7016% | 902 |
| Return on Equity (ROE) | 10.4700% | 2,584 |
| Retained earnings to average equity (ytd only) | 5.3283% | 2,986 |
| Net charge-offs to loans | -0.1449% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.8579% | 4,280 |
| Assets per employee ($millions) | 16.6026% | 159 |
| Cash dividends to net income (ytd only)* | 49.1270% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 1,430 |
| Loan loss allowance to noncurrent loans | 4,529.0541% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 3,757 |
| Noncurrent loans to loans | 0.0322% | 3,664 |
| Net loans and leases to total assets | 58.4200% | 2,651 |
| Net loans and leases to deposits | 67.4318% | 2,585 |
| Net loans and leases to core deposits | 68.7699% | 2,742 |
| Total domestic deposits to total assets | 86.6400% | 2,876 |
| Equity capital to assets | 11.5525% | 986 |
| Core capital (leverage) ratio | 9.0286% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9572% | 2,068 |
| Memoranda: | ||
| Average total assets | $5,426,684,250 | 260 |
| Average earning assets | $5,011,567,250 | 256 |
| Average equity | $621,898,000 | 234 |
| Average total loans | $3,104,468,750 | 272 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3301% | 2,642 |
| Cost of funding earning assets | 0.0901% | 4,289 |
| Net interest margin | 3.2400% | 2,076 |
| Noninterest income to average assets | 0.1653% | 4,183 |
| Noninterest expense to average assets | 1.6470% | 4,224 |
| Loan and lease loss provision to assets | -0.0276% | 4,455 |
| Net operating income to assets | 1.0952% | 1,791 |
| Return on assets (ROA) | 1.0952% | 1,773 |
| Pretax return on assets | 1.5417% | 1,065 |
| Return on Equity (ROE) | 9.5825% | 2,494 |
| Retained earnings to average equity (ytd only) | 4.4223% | 2,914 |
| Net charge-offs to loans | -0.1923% | 4,584 |
| Credit loss provision to net charge-offs | 25.3731% | 1,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5644% | 4,216 |
| Assets per employee ($millions) | 16.1294% | 159 |
| Cash dividends to net income (ytd only)* | 53.8503% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,474 |
| Loan loss allowance to noncurrent loans | 1,675.5064% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,481 |
| Noncurrent loans to loans | 0.0880% | 3,334 |
| Net loans and leases to total assets | 56.7556% | 2,672 |
| Net loans and leases to deposits | 65.5948% | 2,581 |
| Net loans and leases to core deposits | 67.0087% | 2,737 |
| Total domestic deposits to total assets | 86.5245% | 3,102 |
| Equity capital to assets | 11.6750% | 970 |
| Core capital (leverage) ratio | 9.0286% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0550% | 2,039 |
| Memoranda: | ||
| Average total assets | $5,425,898,333 | 258 |
| Average earning assets | $5,017,019,000 | 256 |
| Average equity | $620,133,667 | 230 |
| Average total loans | $3,066,440,333 | 273 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1576% | 2,808 |
| Cost of funding earning assets | 0.0882% | 4,269 |
| Net interest margin | 3.0694% | 2,271 |
| Noninterest income to average assets | 0.1789% | 4,099 |
| Noninterest expense to average assets | 1.6374% | 4,240 |
| Loan and lease loss provision to assets | -0.0415% | 4,501 |
| Net operating income to assets | 1.0183% | 1,801 |
| Return on assets (ROA) | 1.0183% | 1,792 |
| Pretax return on assets | 1.4254% | 1,188 |
| Return on Equity (ROE) | 9.0045% | 2,321 |
| Retained earnings to average equity (ytd only) | 3.8232% | 3,002 |
| Net charge-offs to loans | -0.0085% | 3,521 |
| Credit loss provision to net charge-offs | 872.3077% | 372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5975% | 4,151 |
| Assets per employee ($millions) | 16.6442% | 154 |
| Cash dividends to net income (ytd only)* | 57.5415% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,854 |
| Loan loss allowance to noncurrent loans | 1,117.1802% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,361 |
| Noncurrent loans to loans | 0.1266% | 3,184 |
| Net loans and leases to total assets | 54.9595% | 2,640 |
| Net loans and leases to deposits | 63.2971% | 2,590 |
| Net loans and leases to core deposits | 64.5600% | 2,754 |
| Total domestic deposits to total assets | 86.8280% | 2,985 |
| Equity capital to assets | 11.4099% | 1,156 |
| Core capital (leverage) ratio | 8.6839% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9415% | 2,237 |
| Memoranda: | ||
| Average total assets | $5,461,364,500 | 259 |
| Average earning assets | $5,057,574,000 | 256 |
| Average equity | $617,605,000 | 236 |
| Average total loans | $3,057,294,000 | 274 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2560% | 3,332 |
| Cost of funding earning assets | 0.1022% | 4,367 |
| Net interest margin | 3.1538% | 2,729 |
| Noninterest income to average assets | 0.1880% | 4,221 |
| Noninterest expense to average assets | 1.7395% | 4,240 |
| Loan and lease loss provision to assets | -0.0611% | 4,409 |
| Net operating income to assets | 1.0157% | 2,611 |
| Return on assets (ROA) | 1.0157% | 2,689 |
| Pretax return on assets | 1.4051% | 2,036 |
| Return on Equity (ROE) | 8.6268% | 3,038 |
| Retained earnings to average equity (ytd only) | 3.3309% | 3,483 |
| Net charge-offs to loans | -0.0719% | 4,468 |
| Credit loss provision to net charge-offs | 154.8419% | 1,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5182% | 3,871 |
| Assets per employee ($millions) | 16.9130% | 155 |
| Cash dividends to net income (ytd only)* | 61.3885% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 1,912 |
| Loan loss allowance to noncurrent loans | 1,158.1059% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,487 |
| Noncurrent loans to loans | 0.1210% | 3,325 |
| Net loans and leases to total assets | 55.4222% | 2,690 |
| Net loans and leases to deposits | 63.7470% | 2,707 |
| Net loans and leases to core deposits | 65.0114% | 2,900 |
| Total domestic deposits to total assets | 86.9409% | 2,544 |
| Equity capital to assets | 11.2086% | 1,659 |
| Core capital (leverage) ratio | 8.2074% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7671% | 2,334 |
| Memoranda: | ||
| Average total assets | $5,131,994,800 | 267 |
| Average earning assets | $4,711,820,000 | 264 |
| Average equity | $604,244,200 | 240 |
| Average total loans | $2,816,774,200 | 279 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2784% | 3,448 |
| Cost of funding earning assets | 0.1026% | 4,479 |
| Net interest margin | 3.1758% | 2,810 |
| Noninterest income to average assets | 0.1802% | 4,298 |
| Noninterest expense to average assets | 1.7978% | 4,175 |
| Loan and lease loss provision to assets | -0.0666% | 4,515 |
| Net operating income to assets | 0.9810% | 2,983 |
| Return on assets (ROA) | 0.9810% | 3,064 |
| Pretax return on assets | 1.3568% | 2,472 |
| Return on Equity (ROE) | 8.2241% | 3,339 |
| Retained earnings to average equity (ytd only) | 2.9022% | 3,940 |
| Net charge-offs to loans | -0.0873% | 4,563 |
| Credit loss provision to net charge-offs | 140.0222% | 1,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3004% | 3,495 |
| Assets per employee ($millions) | 16.8024% | 149 |
| Cash dividends to net income (ytd only)* | 64.7110% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 1,487 |
| Loan loss allowance to noncurrent loans | 922.6869% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 3,519 |
| Noncurrent loans to loans | 0.1669% | 3,287 |
| Net loans and leases to total assets | 51.1440% | 3,287 |
| Net loans and leases to deposits | 58.8369% | 3,336 |
| Net loans and leases to core deposits | 60.1328% | 3,464 |
| Total domestic deposits to total assets | 86.9251% | 2,381 |
| Equity capital to assets | 11.1378% | 1,921 |
| Core capital (leverage) ratio | 8.9772% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4698% | 2,179 |
| Memoranda: | ||
| Average total assets | $5,040,812,500 | 269 |
| Average earning assets | $4,615,383,750 | 266 |
| Average equity | $601,278,250 | 241 |
| Average total loans | $2,748,544,500 | 287 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2851% | 3,471 |
| Cost of funding earning assets | 0.1078% | 4,520 |
| Net interest margin | 3.1774% | 2,823 |
| Noninterest income to average assets | 0.1834% | 4,283 |
| Noninterest expense to average assets | 1.9183% | 3,921 |
| Loan and lease loss provision to assets | -0.0818% | 4,586 |
| Net operating income to assets | 0.9117% | 3,183 |
| Return on assets (ROA) | 0.9117% | 3,264 |
| Pretax return on assets | 1.2476% | 2,776 |
| Return on Equity (ROE) | 7.4595% | 3,542 |
| Retained earnings to average equity (ytd only) | 2.1170% | 4,089 |
| Net charge-offs to loans | -0.1148% | 4,667 |
| Credit loss provision to net charge-offs | 128.4433% | 1,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2332% | 2,987 |
| Assets per employee ($millions) | 15.3667% | 190 |
| Cash dividends to net income (ytd only)* | 71.6204% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 1,409 |
| Loan loss allowance to noncurrent loans | 711.2621% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 3,422 |
| Noncurrent loans to loans | 0.2184% | 3,173 |
| Net loans and leases to total assets | 54.9235% | 3,030 |
| Net loans and leases to deposits | 63.8111% | 3,024 |
| Net loans and leases to core deposits | 65.4472% | 3,163 |
| Total domestic deposits to total assets | 86.0720% | 2,715 |
| Equity capital to assets | 11.8612% | 1,431 |
| Core capital (leverage) ratio | 8.9899% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9553% | 1,985 |
| Memoranda: | ||
| Average total assets | $4,900,826,667 | 272 |
| Average earning assets | $4,474,019,667 | 269 |
| Average equity | $598,968,333 | 241 |
| Average total loans | $2,719,213,667 | 289 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3512% | 3,338 |
| Cost of funding earning assets | 0.1122% | 4,569 |
| Net interest margin | 3.2390% | 2,574 |
| Noninterest income to average assets | 0.1994% | 4,190 |
| Noninterest expense to average assets | 1.8396% | 4,136 |
| Loan and lease loss provision to assets | -0.1256% | 4,750 |
| Net operating income to assets | 1.0365% | 2,687 |
| Return on assets (ROA) | 1.0365% | 2,768 |
| Pretax return on assets | 1.4392% | 2,170 |
| Return on Equity (ROE) | 8.3512% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.9974% | 3,785 |
| Net charge-offs to loans | -0.2114% | 4,791 |
| Credit loss provision to net charge-offs | 107.3864% | 1,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4090% | 3,500 |
| Assets per employee ($millions) | 15.3822% | 186 |
| Cash dividends to net income (ytd only)* | 64.1077% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 1,200 |
| Loan loss allowance to noncurrent loans | 791.9900% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 3,611 |
| Noncurrent loans to loans | 0.2066% | 3,361 |
| Net loans and leases to total assets | 53.2732% | 3,315 |
| Net loans and leases to deposits | 61.9434% | 3,320 |
| Net loans and leases to core deposits | 63.4299% | 3,462 |
| Total domestic deposits to total assets | 86.0029% | 2,738 |
| Equity capital to assets | 11.9967% | 1,285 |
| Core capital (leverage) ratio | 9.4745% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8025% | 1,635 |
| Memoranda: | ||
| Average total assets | $4,815,726,500 | 269 |
| Average earning assets | $4,391,608,000 | 271 |
| Average equity | $597,711,000 | 236 |
| Average total loans | $2,664,250,500 | 294 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 3,330 |
| Cost of funding earning assets | 0.1574% | 4,706 |
| Net interest margin | 3.6332% | 2,034 |
| Noninterest income to average assets | 0.2122% | 4,219 |
| Noninterest expense to average assets | 1.9577% | 4,218 |
| Loan and lease loss provision to assets | 0.3003% | 1,248 |
| Net operating income to assets | 0.8858% | 2,758 |
| Return on assets (ROA) | 0.8908% | 2,871 |
| Pretax return on assets | 1.2402% | 2,194 |
| Return on Equity (ROE) | 6.6153% | 3,362 |
| Retained earnings to average equity (ytd only) | 1.2226% | 4,136 |
| Net charge-offs to loans | 0.0263% | 2,511 |
| Credit loss provision to net charge-offs | 1,923.4012% | 457 |
| Earnings coverage of net charge-offs (x) | 98.2674% | 793 |
| Efficiency ratio | 53.6275% | 4,248 |
| Assets per employee ($millions) | 13.9947% | 212 |
| Cash dividends to net income (ytd only)* | 81.5183% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 1,051 |
| Loan loss allowance to noncurrent loans | 564.2394% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 3,424 |
| Noncurrent loans to loans | 0.3002% | 3,119 |
| Net loans and leases to total assets | 55.6225% | 3,336 |
| Net loans and leases to deposits | 65.4803% | 3,321 |
| Net loans and leases to core deposits | 67.2271% | 3,465 |
| Total domestic deposits to total assets | 84.9454% | 2,784 |
| Equity capital to assets | 12.8595% | 1,153 |
| Core capital (leverage) ratio | 9.5024% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8057% | 1,596 |
| Memoranda: | ||
| Average total assets | $4,406,856,800 | 268 |
| Average earning assets | $3,978,035,200 | 271 |
| Average equity | $593,398,600 | 230 |
| Average total loans | $2,620,695,200 | 291 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 3,265 |
| Cost of funding earning assets | 0.1668% | 4,759 |
| Net interest margin | 3.7295% | 1,842 |
| Noninterest income to average assets | 0.2228% | 4,159 |
| Noninterest expense to average assets | 2.0077% | 4,128 |
| Loan and lease loss provision to assets | 0.4469% | 728 |
| Net operating income to assets | 0.8078% | 3,060 |
| Return on assets (ROA) | 0.8143% | 3,159 |
| Pretax return on assets | 1.1369% | 2,617 |
| Return on Equity (ROE) | 5.9760% | 3,564 |
| Retained earnings to average equity (ytd only) | 0.5782% | 4,365 |
| Net charge-offs to loans | 0.0516% | 1,867 |
| Credit loss provision to net charge-offs | 1,437.9684% | 634 |
| Earnings coverage of net charge-offs (x) | 50.6992% | 1,184 |
| Efficiency ratio | 53.6473% | 4,190 |
| Assets per employee ($millions) | 13.4659% | 228 |
| Cash dividends to net income (ytd only)* | 90.3240% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 923 |
| Loan loss allowance to noncurrent loans | 442.6233% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 3,331 |
| Noncurrent loans to loans | 0.3800% | 2,922 |
| Net loans and leases to total assets | 57.6538% | 3,450 |
| Net loans and leases to deposits | 67.8705% | 3,477 |
| Net loans and leases to core deposits | 69.4736% | 3,663 |
| Total domestic deposits to total assets | 84.9468% | 2,459 |
| Equity capital to assets | 12.9240% | 1,216 |
| Core capital (leverage) ratio | 9.6844% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2360% | 1,755 |
| Memoranda: | ||
| Average total assets | $4,350,513,500 | 266 |
| Average earning assets | $3,919,994,500 | 270 |
| Average equity | $592,828,000 | 229 |
| Average total loans | $2,620,629,000 | 290 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 3,101 |
| Cost of funding earning assets | 0.1773% | 4,813 |
| Net interest margin | 3.9025% | 1,562 |
| Noninterest income to average assets | 0.2229% | 4,156 |
| Noninterest expense to average assets | 2.1097% | 4,009 |
| Loan and lease loss provision to assets | 0.6744% | 422 |
| Net operating income to assets | 0.6704% | 3,499 |
| Return on assets (ROA) | 0.6804% | 3,568 |
| Pretax return on assets | 0.9608% | 3,147 |
| Return on Equity (ROE) | 4.9020% | 3,854 |
| Retained earnings to average equity (ytd only) | -0.5030% | 4,405 |
| Net charge-offs to loans | 0.0612% | 1,635 |
| Credit loss provision to net charge-offs | 1,811.5869% | 526 |
| Earnings coverage of net charge-offs (x) | 43.5844% | 1,187 |
| Efficiency ratio | 54.2373% | 4,156 |
| Assets per employee ($millions) | 13.5658% | 220 |
| Cash dividends to net income (ytd only)* | 110.2612% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 833 |
| Loan loss allowance to noncurrent loans | 498.0164% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 3,549 |
| Noncurrent loans to loans | 0.3391% | 3,180 |
| Net loans and leases to total assets | 57.3514% | 3,570 |
| Net loans and leases to deposits | 67.4687% | 3,607 |
| Net loans and leases to core deposits | 69.1574% | 3,763 |
| Total domestic deposits to total assets | 85.0045% | 2,401 |
| Equity capital to assets | 12.8394% | 1,225 |
| Core capital (leverage) ratio | 9.7759% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1211% | 1,758 |
| Memoranda: | ||
| Average total assets | $4,265,567,667 | 267 |
| Average earning assets | $3,835,952,333 | 268 |
| Average equity | $592,039,333 | 229 |
| Average total loans | $2,593,978,333 | 291 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 2,366 |
| Cost of funding earning assets | 0.1947% | 4,902 |
| Net interest margin | 4.2861% | 784 |
| Noninterest income to average assets | 0.2909% | 3,783 |
| Noninterest expense to average assets | 2.4148% | 3,506 |
| Loan and lease loss provision to assets | 1.2971% | 134 |
| Net operating income to assets | 0.2880% | 4,370 |
| Return on assets (ROA) | 0.2957% | 4,378 |
| Pretax return on assets | 0.4277% | 4,246 |
| Return on Equity (ROE) | 2.0441% | 4,438 |
| Retained earnings to average equity (ytd only) | -3.3617% | 4,391 |
| Net charge-offs to loans | 0.0663% | 1,361 |
| Credit loss provision to net charge-offs | 3,144.5498% | 248 |
| Earnings coverage of net charge-offs (x) | 41.5782% | 1,009 |
| Efficiency ratio | 56.4402% | 4,168 |
| Assets per employee ($millions) | 12.0957% | 233 |
| Cash dividends to net income (ytd only)* | 264.4628% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 789 |
| Loan loss allowance to noncurrent loans | 369.8130% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 3,267 |
| Noncurrent loans to loans | 0.4729% | 2,830 |
| Net loans and leases to total assets | 61.6160% | 3,337 |
| Net loans and leases to deposits | 74.1435% | 3,257 |
| Net loans and leases to core deposits | 76.2548% | 3,480 |
| Total domestic deposits to total assets | 83.1037% | 3,078 |
| Equity capital to assets | 14.4507% | 912 |
| Core capital (leverage) ratio | 10.6028% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0787% | 2,251 |
| Memoranda: | ||
| Average total assets | $4,092,159,000 | 269 |
| Average earning assets | $3,665,277,000 | 271 |
| Average equity | $591,958,000 | 231 |
| Average total loans | $2,545,611,000 | 288 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 2,223 |
| Cost of funding earning assets | 0.2827% | 4,765 |
| Net interest margin | 4.4523% | 797 |
| Noninterest income to average assets | 0.2779% | 4,020 |
| Noninterest expense to average assets | 2.4635% | 3,541 |
| Loan and lease loss provision to assets | 0.0255% | 3,502 |
| Net operating income to assets | 1.3169% | 1,628 |
| Return on assets (ROA) | 1.3326% | 1,653 |
| Pretax return on assets | 1.8545% | 828 |
| Return on Equity (ROE) | 10.0837% | 2,261 |
| Retained earnings to average equity (ytd only) | 4.9573% | 2,442 |
| Net charge-offs to loans | 0.2694% | 773 |
| Credit loss provision to net charge-offs | 15.6406% | 3,334 |
| Earnings coverage of net charge-offs (x) | 11.4208% | 2,500 |
| Efficiency ratio | 55.0713% | 4,315 |
| Assets per employee ($millions) | 11.5072% | 256 |
| Cash dividends to net income (ytd only)* | 50.8383% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 3,888 |
| Loan loss allowance to noncurrent loans | 236.9251% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 3,483 |
| Noncurrent loans to loans | 0.3877% | 3,046 |
| Net loans and leases to total assets | 61.1385% | 3,488 |
| Net loans and leases to deposits | 73.1176% | 3,427 |
| Net loans and leases to core deposits | 75.2397% | 3,630 |
| Total domestic deposits to total assets | 83.6167% | 2,991 |
| Equity capital to assets | 14.4805% | 939 |
| Core capital (leverage) ratio | 10.1871% | 3,315 |
| Tier 1 risk-based capital ratio | 13.1293% | 3,726 |
| Total risk-based capital ratio | 13.9004% | 3,863 |
| Memoranda: | ||
| Average total assets | $3,321,121,000 | 298 |
| Average earning assets | $3,017,832,200 | 297 |
| Average equity | $438,904,600 | 273 |
| Average total loans | $2,007,482,200 | 323 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 2,429 |
| Cost of funding earning assets | 0.2748% | 4,858 |
| Net interest margin | 4.4210% | 905 |
| Noninterest income to average assets | 0.2855% | 4,026 |
| Noninterest expense to average assets | 2.2299% | 4,122 |
| Loan and lease loss provision to assets | -0.1014% | 5,164 |
| Net operating income to assets | 1.5659% | 1,007 |
| Return on assets (ROA) | 1.5955% | 986 |
| Pretax return on assets | 2.2266% | 431 |
| Return on Equity (ROE) | 12.4654% | 1,462 |
| Retained earnings to average equity (ytd only) | 7.2977% | 1,713 |
| Net charge-offs to loans | -0.0301% | 4,701 |
| Credit loss provision to net charge-offs | 560.6132% | 576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0044% | 4,743 |
| Assets per employee ($millions) | 10.3284% | 318 |
| Cash dividends to net income (ytd only)* | 41.4560% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 1,656 |
| Loan loss allowance to noncurrent loans | 181.7576% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 2,733 |
| Noncurrent loans to loans | 0.7582% | 2,069 |
| Net loans and leases to total assets | 58.2517% | 3,855 |
| Net loans and leases to deposits | 68.3836% | 3,897 |
| Net loans and leases to core deposits | 70.8083% | 4,011 |
| Total domestic deposits to total assets | 85.1837% | 2,359 |
| Equity capital to assets | 12.9976% | 1,628 |
| Core capital (leverage) ratio | 10.6496% | 2,976 |
| Tier 1 risk-based capital ratio | 14.0802% | 3,289 |
| Total risk-based capital ratio | 15.2484% | 3,249 |
| Memoranda: | ||
| Average total assets | $3,124,384,500 | 312 |
| Average earning assets | $2,849,560,500 | 309 |
| Average equity | $399,913,750 | 293 |
| Average total loans | $1,875,628,750 | 344 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 2,271 |
| Cost of funding earning assets | 0.2705% | 4,902 |
| Net interest margin | 4.4613% | 833 |
| Noninterest income to average assets | 0.2925% | 3,984 |
| Noninterest expense to average assets | 2.2578% | 4,107 |
| Loan and lease loss provision to assets | -0.1160% | 5,222 |
| Net operating income to assets | 1.5978% | 918 |
| Return on assets (ROA) | 1.6256% | 894 |
| Pretax return on assets | 2.2575% | 387 |
| Return on Equity (ROE) | 12.7680% | 1,312 |
| Retained earnings to average equity (ytd only) | 7.4569% | 1,626 |
| Net charge-offs to loans | -0.0623% | 4,887 |
| Credit loss provision to net charge-offs | 308.3904% | 879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1026% | 4,779 |
| Assets per employee ($millions) | 10.0532% | 327 |
| Cash dividends to net income (ytd only)* | 41.5973% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 1,552 |
| Loan loss allowance to noncurrent loans | 156.4872% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 2,366 |
| Noncurrent loans to loans | 0.9038% | 1,809 |
| Net loans and leases to total assets | 59.7575% | 3,759 |
| Net loans and leases to deposits | 70.2348% | 3,823 |
| Net loans and leases to core deposits | 72.6117% | 3,969 |
| Total domestic deposits to total assets | 85.0824% | 2,437 |
| Equity capital to assets | 13.0586% | 1,560 |
| Core capital (leverage) ratio | 10.4729% | 3,122 |
| Tier 1 risk-based capital ratio | 13.7345% | 3,461 |
| Total risk-based capital ratio | 14.9394% | 3,381 |
| Memoranda: | ||
| Average total assets | $3,105,468,670 | 314 |
| Average earning assets | $2,834,127,670 | 310 |
| Average equity | $395,394,330 | 295 |
| Average total loans | $1,874,519,000 | 345 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 2,139 |
| Cost of funding earning assets | 0.2590% | 4,959 |
| Net interest margin | 4.4653% | 792 |
| Noninterest income to average assets | 0.3083% | 3,812 |
| Noninterest expense to average assets | 2.2349% | 4,170 |
| Loan and lease loss provision to assets | -0.1367% | 5,302 |
| Net operating income to assets | 1.6662% | 786 |
| Return on assets (ROA) | 1.6662% | 815 |
| Pretax return on assets | 2.2885% | 368 |
| Return on Equity (ROE) | 13.2567% | 1,144 |
| Retained earnings to average equity (ytd only) | 8.1320% | 1,610 |
| Net charge-offs to loans | -0.1136% | 5,056 |
| Credit loss provision to net charge-offs | 199.8117% | 1,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3201% | 4,869 |
| Assets per employee ($millions) | 10.0796% | 332 |
| Cash dividends to net income (ytd only)* | 38.6578% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 1,408 |
| Loan loss allowance to noncurrent loans | 157.7707% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 2,422 |
| Noncurrent loans to loans | 0.9352% | 1,795 |
| Net loans and leases to total assets | 58.5701% | 3,827 |
| Net loans and leases to deposits | 68.5375% | 3,880 |
| Net loans and leases to core deposits | 70.8615% | 4,015 |
| Total domestic deposits to total assets | 85.4570% | 2,504 |
| Equity capital to assets | 12.7147% | 1,619 |
| Core capital (leverage) ratio | 10.0533% | 3,543 |
| Tier 1 risk-based capital ratio | 13.3721% | 3,683 |
| Total risk-based capital ratio | 14.6080% | 3,595 |
| Memoranda: | ||
| Average total assets | $3,104,976,500 | 314 |
| Average earning assets | $2,835,890,000 | 314 |
| Average equity | $390,262,500 | 296 |
| Average total loans | $1,870,294,000 | 349 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 1,799 |
| Cost of funding earning assets | 0.1994% | 5,000 |
| Net interest margin | 4.5079% | 752 |
| Noninterest income to average assets | 0.3061% | 4,067 |
| Noninterest expense to average assets | 2.4127% | 3,846 |
| Loan and lease loss provision to assets | 0.2468% | 698 |
| Net operating income to assets | 1.2953% | 1,825 |
| Return on assets (ROA) | 1.3023% | 1,776 |
| Pretax return on assets | 1.7958% | 937 |
| Return on Equity (ROE) | 11.5873% | 1,869 |
| Retained earnings to average equity (ytd only) | 6.5572% | 1,893 |
| Net charge-offs to loans | -0.0430% | 4,928 |
| Credit loss provision to net charge-offs | -965.0195% | 4,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8091% | 4,730 |
| Assets per employee ($millions) | 10.2496% | 324 |
| Cash dividends to net income (ytd only)* | 43.4105% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 1,372 |
| Loan loss allowance to noncurrent loans | 187.0625% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 2,646 |
| Noncurrent loans to loans | 0.7881% | 2,038 |
| Net loans and leases to total assets | 60.1288% | 3,758 |
| Net loans and leases to deposits | 69.9994% | 3,828 |
| Net loans and leases to core deposits | 72.2511% | 3,973 |
| Total domestic deposits to total assets | 85.8990% | 2,286 |
| Equity capital to assets | 12.4223% | 1,620 |
| Core capital (leverage) ratio | 9.4246% | 4,203 |
| Tier 1 risk-based capital ratio | 12.7556% | 3,987 |
| Total risk-based capital ratio | 13.9956% | 3,873 |
| Memoranda: | ||
| Average total assets | $3,007,075,600 | 323 |
| Average earning assets | $2,761,878,800 | 317 |
| Average equity | $337,964,600 | 323 |
| Average total loans | $1,787,461,800 | 354 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 1,987 |
| Cost of funding earning assets | 0.1833% | 5,084 |
| Net interest margin | 4.4119% | 877 |
| Noninterest income to average assets | 0.3036% | 4,114 |
| Noninterest expense to average assets | 2.5129% | 3,548 |
| Loan and lease loss provision to assets | 0.3251% | 435 |
| Net operating income to assets | 1.1068% | 2,633 |
| Return on assets (ROA) | 1.1162% | 2,611 |
| Pretax return on assets | 1.5338% | 1,794 |
| Return on Equity (ROE) | 10.2104% | 2,525 |
| Retained earnings to average equity (ytd only) | 4.8989% | 3,290 |
| Net charge-offs to loans | -0.0370% | 4,823 |
| Credit loss provision to net charge-offs | -1,488.5481% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2662% | 4,353 |
| Assets per employee ($millions) | 10.7810% | 263 |
| Cash dividends to net income (ytd only)* | 52.0208% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 1,559 |
| Loan loss allowance to noncurrent loans | 110.9690% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 1,925 |
| Noncurrent loans to loans | 1.2969% | 1,291 |
| Net loans and leases to total assets | 58.8596% | 3,963 |
| Net loans and leases to deposits | 67.8626% | 4,067 |
| Net loans and leases to core deposits | 69.9543% | 4,192 |
| Total domestic deposits to total assets | 86.7335% | 1,856 |
| Equity capital to assets | 11.5751% | 2,207 |
| Core capital (leverage) ratio | 9.1164% | 4,604 |
| Tier 1 risk-based capital ratio | 12.1910% | 4,385 |
| Total risk-based capital ratio | 13.4071% | 4,304 |
| Memoranda: | ||
| Average total assets | $2,985,002,750 | 323 |
| Average earning assets | $2,744,413,000 | 317 |
| Average equity | $326,326,750 | 326 |
| Average total loans | $1,762,063,750 | 359 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 2,229 |
| Cost of funding earning assets | 0.1635% | 5,189 |
| Net interest margin | 4.2948% | 1,042 |
| Noninterest income to average assets | 0.3114% | 4,092 |
| Noninterest expense to average assets | 2.6837% | 3,070 |
| Loan and lease loss provision to assets | 0.5283% | 211 |
| Net operating income to assets | 0.7872% | 3,895 |
| Return on assets (ROA) | 0.8016% | 3,847 |
| Pretax return on assets | 1.0764% | 3,401 |
| Return on Equity (ROE) | 7.4929% | 3,726 |
| Retained earnings to average equity (ytd only) | 2.3643% | 4,329 |
| Net charge-offs to loans | 0.0814% | 1,513 |
| Credit loss provision to net charge-offs | 1,103.7249% | 379 |
| Earnings coverage of net charge-offs (x) | 33.1433% | 1,422 |
| Efficiency ratio | 61.7127% | 3,663 |
| Assets per employee ($millions) | 10.3037% | 290 |
| Cash dividends to net income (ytd only)* | 68.4463% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,902 |
| Loan loss allowance to noncurrent loans | 100.4483% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 1,753 |
| Noncurrent loans to loans | 1.3527% | 1,252 |
| Net loans and leases to total assets | 62.0021% | 3,603 |
| Net loans and leases to deposits | 71.5346% | 3,747 |
| Net loans and leases to core deposits | 74.1709% | 3,871 |
| Total domestic deposits to total assets | 86.6742% | 1,983 |
| Equity capital to assets | 11.6015% | 2,127 |
| Core capital (leverage) ratio | 9.2591% | 4,408 |
| Tier 1 risk-based capital ratio | 11.3649% | 4,860 |
| Total risk-based capital ratio | 12.5029% | 4,817 |
| Memoranda: | ||
| Average total assets | $2,916,283,000 | 324 |
| Average earning assets | $2,688,115,330 | 319 |
| Average equity | $311,976,000 | 330 |
| Average total loans | $1,714,174,670 | 366 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 2,628 |
| Cost of funding earning assets | 0.1466% | 5,284 |
| Net interest margin | 4.1252% | 1,376 |
| Noninterest income to average assets | 0.2977% | 4,173 |
| Noninterest expense to average assets | 2.1769% | 4,473 |
| Loan and lease loss provision to assets | 0.0719% | 2,325 |
| Net operating income to assets | 1.3713% | 1,417 |
| Return on assets (ROA) | 1.3811% | 1,410 |
| Pretax return on assets | 1.8931% | 739 |
| Return on Equity (ROE) | 13.5451% | 1,122 |
| Retained earnings to average equity (ytd only) | 7.9676% | 1,849 |
| Net charge-offs to loans | 0.0063% | 2,509 |
| Credit loss provision to net charge-offs | 2,024.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 549.3600% | 116 |
| Efficiency ratio | 51.8850% | 4,967 |
| Assets per employee ($millions) | 10.2742% | 295 |
| Cash dividends to net income (ytd only)* | 41.1777% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,441 |
| Loan loss allowance to noncurrent loans | 530.6719% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 4,408 |
| Noncurrent loans to loans | 0.2381% | 3,920 |
| Net loans and leases to total assets | 56.5285% | 4,080 |
| Net loans and leases to deposits | 64.3748% | 4,192 |
| Net loans and leases to core deposits | 66.6755% | 4,272 |
| Total domestic deposits to total assets | 87.8115% | 1,726 |
| Equity capital to assets | 10.3062% | 3,273 |
| Core capital (leverage) ratio | 9.1484% | 4,508 |
| Tier 1 risk-based capital ratio | 12.4574% | 4,275 |
| Total risk-based capital ratio | 13.4972% | 4,303 |
| Memoranda: | ||
| Average total assets | $2,813,417,000 | 336 |
| Average earning assets | $2,613,329,000 | 326 |
| Average equity | $286,863,500 | 348 |
| Average total loans | $1,590,073,000 | 389 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 2,475 |
| Cost of funding earning assets | 0.1586% | 5,215 |
| Net interest margin | 4.0979% | 1,446 |
| Noninterest income to average assets | 0.3405% | 4,035 |
| Noninterest expense to average assets | 2.1451% | 4,663 |
| Loan and lease loss provision to assets | -0.0038% | 5,290 |
| Net operating income to assets | 0.9615% | 2,399 |
| Return on assets (ROA) | 0.9613% | 2,433 |
| Pretax return on assets | 1.9830% | 513 |
| Return on Equity (ROE) | 9.5053% | 2,095 |
| Retained earnings to average equity (ytd only) | 3.7012% | 3,009 |
| Net charge-offs to loans | -0.0303% | 5,068 |
| Credit loss provision to net charge-offs | 21.9149% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7970% | 5,180 |
| Assets per employee ($millions) | 10.2254% | 300 |
| Cash dividends to net income (ytd only)* | 61.0617% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,623 |
| Loan loss allowance to noncurrent loans | 782.9376% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 4,689 |
| Noncurrent loans to loans | 0.1567% | 4,305 |
| Net loans and leases to total assets | 55.1114% | 4,262 |
| Net loans and leases to deposits | 62.5169% | 4,409 |
| Net loans and leases to core deposits | 66.5882% | 4,385 |
| Total domestic deposits to total assets | 88.1543% | 1,406 |
| Equity capital to assets | 10.0925% | 3,603 |
| Core capital (leverage) ratio | 8.4889% | 5,146 |
| Tier 1 risk-based capital ratio | 12.1786% | 4,410 |
| Total risk-based capital ratio | 13.1827% | 4,460 |
| Memoranda: | ||
| Average total assets | $2,725,656,200 | 325 |
| Average earning assets | $2,516,901,200 | 318 |
| Average equity | $275,666,800 | 347 |
| Average total loans | $1,550,438,400 | 386 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 2,501 |
| Cost of funding earning assets | 0.1539% | 5,291 |
| Net interest margin | 4.0806% | 1,443 |
| Noninterest income to average assets | 0.3395% | 4,107 |
| Noninterest expense to average assets | 2.1624% | 4,608 |
| Loan and lease loss provision to assets | 0.0193% | 3,754 |
| Net operating income to assets | 1.1894% | 1,739 |
| Return on assets (ROA) | 1.1893% | 1,771 |
| Pretax return on assets | 1.9193% | 654 |
| Return on Equity (ROE) | 11.7523% | 1,412 |
| Retained earnings to average equity (ytd only) | 5.8886% | 2,314 |
| Net charge-offs to loans | -0.0233% | 4,902 |
| Credit loss provision to net charge-offs | -144.9814% | 4,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4190% | 5,145 |
| Assets per employee ($millions) | 10.0802% | 308 |
| Cash dividends to net income (ytd only)* | 49.8940% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,601 |
| Loan loss allowance to noncurrent loans | 565.6832% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,629 |
| Noncurrent loans to loans | 0.2223% | 4,177 |
| Net loans and leases to total assets | 54.5556% | 4,366 |
| Net loans and leases to deposits | 61.9341% | 4,511 |
| Net loans and leases to core deposits | 66.2157% | 4,470 |
| Total domestic deposits to total assets | 88.0865% | 1,321 |
| Equity capital to assets | 10.2244% | 3,670 |
| Core capital (leverage) ratio | 8.8005% | 4,968 |
| Tier 1 risk-based capital ratio | 12.3332% | 4,420 |
| Total risk-based capital ratio | 13.3628% | 4,435 |
| Memoranda: | ||
| Average total assets | $2,696,404,750 | 330 |
| Average earning assets | $2,485,785,500 | 322 |
| Average equity | $272,859,500 | 349 |
| Average total loans | $1,541,526,500 | 387 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 2,556 |
| Cost of funding earning assets | 0.1491% | 5,340 |
| Net interest margin | 4.0279% | 1,523 |
| Noninterest income to average assets | 0.3386% | 4,128 |
| Noninterest expense to average assets | 2.2239% | 4,522 |
| Loan and lease loss provision to assets | 0.0208% | 3,566 |
| Net operating income to assets | 1.1175% | 1,898 |
| Return on assets (ROA) | 1.1172% | 1,947 |
| Pretax return on assets | 1.8023% | 834 |
| Return on Equity (ROE) | 11.0814% | 1,615 |
| Retained earnings to average equity (ytd only) | 5.0874% | 2,655 |
| Net charge-offs to loans | -0.0043% | 4,305 |
| Credit loss provision to net charge-offs | -833.3333% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4779% | 5,059 |
| Assets per employee ($millions) | 10.1556% | 289 |
| Cash dividends to net income (ytd only)* | 54.0906% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,789 |
| Loan loss allowance to noncurrent loans | 614.2179% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 4,701 |
| Noncurrent loans to loans | 0.2011% | 4,311 |
| Net loans and leases to total assets | 56.7617% | 4,152 |
| Net loans and leases to deposits | 64.6805% | 4,325 |
| Net loans and leases to core deposits | 69.3238% | 4,268 |
| Total domestic deposits to total assets | 87.7570% | 1,588 |
| Equity capital to assets | 10.4271% | 3,434 |
| Core capital (leverage) ratio | 9.1205% | 4,585 |
| Tier 1 risk-based capital ratio | 12.1591% | 4,520 |
| Total risk-based capital ratio | 13.1814% | 4,576 |
| Memoranda: | ||
| Average total assets | $2,647,669,330 | 338 |
| Average earning assets | $2,437,898,000 | 335 |
| Average equity | $266,933,000 | 355 |
| Average total loans | $1,531,851,330 | 388 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1306% | 2,546 |
| Cost of funding earning assets | 0.1453% | 5,407 |
| Net interest margin | 3.9852% | 1,506 |
| Noninterest income to average assets | 0.3439% | 4,092 |
| Noninterest expense to average assets | 2.2658% | 4,492 |
| Loan and lease loss provision to assets | 0.0493% | 2,822 |
| Net operating income to assets | 1.0559% | 2,049 |
| Return on assets (ROA) | 1.0553% | 2,097 |
| Pretax return on assets | 1.6950% | 1,018 |
| Return on Equity (ROE) | 10.6585% | 1,684 |
| Retained earnings to average equity (ytd only) | 4.4563% | 3,196 |
| Net charge-offs to loans | 0.0727% | 1,602 |
| Credit loss provision to net charge-offs | 116.7273% | 1,424 |
| Earnings coverage of net charge-offs (x) | 41.3382% | 1,016 |
| Efficiency ratio | 55.1690% | 5,025 |
| Assets per employee ($millions) | 9.8182% | 326 |
| Cash dividends to net income (ytd only)* | 58.1903% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 2,752 |
| Loan loss allowance to noncurrent loans | 353.8931% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 4,375 |
| Noncurrent loans to loans | 0.3564% | 3,813 |
| Net loans and leases to total assets | 56.7212% | 4,098 |
| Net loans and leases to deposits | 64.1974% | 4,294 |
| Net loans and leases to core deposits | 69.3157% | 4,199 |
| Total domestic deposits to total assets | 88.3544% | 1,506 |
| Equity capital to assets | 9.8358% | 3,943 |
| Core capital (leverage) ratio | 8.4498% | 5,262 |
| Tier 1 risk-based capital ratio | 11.2088% | 5,198 |
| Total risk-based capital ratio | 12.2439% | 5,224 |
| Memoranda: | ||
| Average total assets | $2,605,576,500 | 343 |
| Average earning assets | $2,397,545,000 | 340 |
| Average equity | $257,973,500 | 364 |
| Average total loans | $1,512,755,000 | 393 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 2,291 |
| Cost of funding earning assets | 0.1436% | 5,464 |
| Net interest margin | 4.1122% | 1,357 |
| Noninterest income to average assets | 0.4166% | 3,764 |
| Noninterest expense to average assets | 2.2639% | 4,625 |
| Loan and lease loss provision to assets | 0.0509% | 3,370 |
| Net operating income to assets | 1.1590% | 1,651 |
| Return on assets (ROA) | 1.1879% | 1,640 |
| Pretax return on assets | 1.9134% | 602 |
| Return on Equity (ROE) | 11.4176% | 1,429 |
| Retained earnings to average equity (ytd only) | 4.3056% | 2,837 |
| Net charge-offs to loans | 0.0746% | 2,632 |
| Credit loss provision to net charge-offs | 115.1769% | 2,283 |
| Earnings coverage of net charge-offs (x) | 43.4683% | 1,112 |
| Efficiency ratio | 52.5811% | 5,344 |
| Assets per employee ($millions) | 9.7721% | 330 |
| Cash dividends to net income (ytd only)* | 62.2902% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,729 |
| Loan loss allowance to noncurrent loans | 624.0275% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 4,800 |
| Noncurrent loans to loans | 0.2028% | 4,432 |
| Net loans and leases to total assets | 57.9452% | 4,072 |
| Net loans and leases to deposits | 65.7496% | 4,266 |
| Net loans and leases to core deposits | 71.1213% | 4,141 |
| Total domestic deposits to total assets | 88.1301% | 1,576 |
| Equity capital to assets | 9.9676% | 3,756 |
| Core capital (leverage) ratio | 8.4044% | 5,364 |
| Tier 1 risk-based capital ratio | 11.2666% | 5,186 |
| Total risk-based capital ratio | 12.3169% | 5,198 |
| Memoranda: | ||
| Average total assets | $2,432,644,400 | 344 |
| Average earning assets | $2,228,078,800 | 342 |
| Average equity | $253,090,800 | 358 |
| Average total loans | $1,439,577,600 | 389 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 2,191 |
| Cost of funding earning assets | 0.1417% | 5,533 |
| Net interest margin | 4.1477% | 1,258 |
| Noninterest income to average assets | 0.4372% | 3,651 |
| Noninterest expense to average assets | 2.3046% | 4,521 |
| Loan and lease loss provision to assets | 0.0554% | 3,142 |
| Net operating income to assets | 1.1649% | 1,750 |
| Return on assets (ROA) | 1.1836% | 1,798 |
| Pretax return on assets | 1.9036% | 703 |
| Return on Equity (ROE) | 11.2505% | 1,575 |
| Retained earnings to average equity (ytd only) | 3.8527% | 3,565 |
| Net charge-offs to loans | -0.0102% | 4,774 |
| Credit loss provision to net charge-offs | -914.6789% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8819% | 5,321 |
| Assets per employee ($millions) | 9.5736% | 343 |
| Cash dividends to net income (ytd only)* | 65.7555% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 2,319 |
| Loan loss allowance to noncurrent loans | 445.5516% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 4,676 |
| Noncurrent loans to loans | 0.3086% | 4,145 |
| Net loans and leases to total assets | 56.8519% | 4,214 |
| Net loans and leases to deposits | 64.6905% | 4,433 |
| Net loans and leases to core deposits | 70.3313% | 4,298 |
| Total domestic deposits to total assets | 87.8829% | 1,459 |
| Equity capital to assets | 10.2177% | 3,891 |
| Core capital (leverage) ratio | 8.7392% | 5,116 |
| Tier 1 risk-based capital ratio | 11.4264% | 5,138 |
| Total risk-based capital ratio | 12.5672% | 5,098 |
| Memoranda: | ||
| Average total assets | $2,398,291,500 | 347 |
| Average earning assets | $2,195,615,500 | 346 |
| Average equity | $252,320,000 | 359 |
| Average total loans | $1,422,394,000 | 391 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3299% | 2,053 |
| Cost of funding earning assets | 0.1398% | 5,613 |
| Net interest margin | 4.1901% | 1,138 |
| Noninterest income to average assets | 0.4783% | 3,346 |
| Noninterest expense to average assets | 2.3620% | 4,449 |
| Loan and lease loss provision to assets | 0.0639% | 2,870 |
| Net operating income to assets | 1.1723% | 1,691 |
| Return on assets (ROA) | 1.2010% | 1,690 |
| Pretax return on assets | 1.9332% | 654 |
| Return on Equity (ROE) | 11.2988% | 1,542 |
| Retained earnings to average equity (ytd only) | 3.3098% | 3,796 |
| Net charge-offs to loans | -0.0344% | 5,196 |
| Credit loss provision to net charge-offs | -309.4650% | 4,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2043% | 5,371 |
| Assets per employee ($millions) | 8.8717% | 408 |
| Cash dividends to net income (ytd only)* | 70.7064% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 2,502 |
| Loan loss allowance to noncurrent loans | 456.9037% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 4,700 |
| Noncurrent loans to loans | 0.2968% | 4,305 |
| Net loans and leases to total assets | 60.9463% | 3,759 |
| Net loans and leases to deposits | 69.8116% | 3,999 |
| Net loans and leases to core deposits | 77.1011% | 3,726 |
| Total domestic deposits to total assets | 87.3011% | 1,755 |
| Equity capital to assets | 10.7224% | 3,375 |
| Core capital (leverage) ratio | 8.9221% | 4,916 |
| Tier 1 risk-based capital ratio | 11.0563% | 5,394 |
| Total risk-based capital ratio | 12.1745% | 5,385 |
| Memoranda: | ||
| Average total assets | $2,355,249,330 | 353 |
| Average earning assets | $2,156,206,670 | 351 |
| Average equity | $250,345,670 | 361 |
| Average total loans | $1,410,886,330 | 392 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 2,093 |
| Cost of funding earning assets | 0.1395% | 5,680 |
| Net interest margin | 4.1710% | 1,167 |
| Noninterest income to average assets | 0.4058% | 3,783 |
| Noninterest expense to average assets | 2.3977% | 4,379 |
| Loan and lease loss provision to assets | 0.0684% | 2,585 |
| Net operating income to assets | 1.0871% | 1,953 |
| Return on assets (ROA) | 1.1068% | 1,978 |
| Pretax return on assets | 1.7880% | 871 |
| Return on Equity (ROE) | 10.4592% | 1,793 |
| Retained earnings to average equity (ytd only) | 0.7837% | 4,907 |
| Net charge-offs to loans | -0.0379% | 5,184 |
| Credit loss provision to net charge-offs | -306.1069% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1879% | 5,268 |
| Assets per employee ($millions) | 8.9498% | 395 |
| Cash dividends to net income (ytd only)* | 92.5069% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 2,460 |
| Loan loss allowance to noncurrent loans | 465.0574% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 4,779 |
| Noncurrent loans to loans | 0.2994% | 4,358 |
| Net loans and leases to total assets | 59.2276% | 3,884 |
| Net loans and leases to deposits | 67.8824% | 4,073 |
| Net loans and leases to core deposits | 75.1669% | 3,765 |
| Total domestic deposits to total assets | 87.2502% | 2,074 |
| Equity capital to assets | 10.7326% | 3,217 |
| Core capital (leverage) ratio | 8.7259% | 5,149 |
| Tier 1 risk-based capital ratio | 11.1882% | 5,400 |
| Total risk-based capital ratio | 12.3184% | 5,378 |
| Memoranda: | ||
| Average total assets | $2,344,064,000 | 352 |
| Average earning assets | $2,145,459,500 | 350 |
| Average equity | $248,050,000 | 362 |
| Average total loans | $1,381,833,000 | 396 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 1,487 |
| Cost of funding earning assets | 0.1379% | 5,769 |
| Net interest margin | 4.4012% | 791 |
| Noninterest income to average assets | 0.4220% | 3,874 |
| Noninterest expense to average assets | 2.9299% | 2,764 |
| Loan and lease loss provision to assets | 0.0017% | 4,354 |
| Net operating income to assets | 0.9233% | 2,740 |
| Return on assets (ROA) | 0.9447% | 2,714 |
| Pretax return on assets | 1.5322% | 1,456 |
| Return on Equity (ROE) | 8.8172% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.8172% | 700 |
| Net charge-offs to loans | -0.0427% | 5,508 |
| Credit loss provision to net charge-offs | -6.2136% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9278% | 4,094 |
| Assets per employee ($millions) | 9.0815% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 2,497 |
| Loan loss allowance to noncurrent loans | 296.7388% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 4,441 |
| Noncurrent loans to loans | 0.4669% | 3,794 |
| Net loans and leases to total assets | 57.0515% | 4,193 |
| Net loans and leases to deposits | 65.2513% | 4,374 |
| Net loans and leases to core deposits | 71.6445% | 4,162 |
| Total domestic deposits to total assets | 87.4335% | 1,910 |
| Equity capital to assets | 10.4336% | 3,443 |
| Core capital (leverage) ratio | 8.6265% | 5,306 |
| Tier 1 risk-based capital ratio | 11.4458% | 5,288 |
| Total risk-based capital ratio | 12.5666% | 5,258 |
| Memoranda: | ||
| Average total assets | $1,913,870,200 | 392 |
| Average earning assets | $1,742,974,200 | 388 |
| Average equity | $205,064,600 | 408 |
| Average total loans | $1,207,376,800 | 413 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 1,414 |
| Cost of funding earning assets | 0.1356% | 5,883 |
| Net interest margin | 4.4339% | 742 |
| Noninterest income to average assets | 0.4408% | 3,786 |
| Noninterest expense to average assets | 2.9256% | 2,761 |
| Loan and lease loss provision to assets | -0.0251% | 5,860 |
| Net operating income to assets | 0.9732% | 2,609 |
| Return on assets (ROA) | 0.9732% | 2,687 |
| Pretax return on assets | 1.5714% | 1,469 |
| Return on Equity (ROE) | 9.0059% | 2,576 |
| Retained earnings to average equity (ytd only) | 9.0059% | 903 |
| Net charge-offs to loans | -0.0796% | 5,705 |
| Credit loss provision to net charge-offs | 48.6370% | 3,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3719% | 4,180 |
| Assets per employee ($millions) | 8.3677% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 2,612 |
| Loan loss allowance to noncurrent loans | 340.4251% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 4,725 |
| Noncurrent loans to loans | 0.4107% | 4,136 |
| Net loans and leases to total assets | 58.4941% | 4,082 |
| Net loans and leases to deposits | 67.2472% | 4,259 |
| Net loans and leases to core deposits | 75.1374% | 3,897 |
| Total domestic deposits to total assets | 86.9837% | 2,048 |
| Equity capital to assets | 10.8618% | 3,180 |
| Core capital (leverage) ratio | 10.2110% | 3,363 |
| Tier 1 risk-based capital ratio | 11.0229% | 5,650 |
| Total risk-based capital ratio | 12.1295% | 5,638 |
| Memoranda: | ||
| Average total assets | $1,802,043,000 | 405 |
| Average earning assets | $1,638,353,500 | 411 |
| Average equity | $194,741,500 | 428 |
| Average total loans | $1,167,717,750 | 428 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 955 |
| Cost of funding earning assets | 0.1388% | 5,931 |
| Net interest margin | 4.6284% | 508 |
| Noninterest income to average assets | 0.4836% | 3,478 |
| Noninterest expense to average assets | 2.9192% | 2,822 |
| Loan and lease loss provision to assets | -0.0046% | 5,943 |
| Net operating income to assets | 1.1098% | 1,909 |
| Return on assets (ROA) | 1.1098% | 1,997 |
| Pretax return on assets | 1.7769% | 930 |
| Return on Equity (ROE) | 10.2937% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.2937% | 619 |
| Net charge-offs to loans | -0.0749% | 5,688 |
| Credit loss provision to net charge-offs | 9.1346% | 3,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2932% | 4,786 |
| Assets per employee ($millions) | 6.9130% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 1,748 |
| Loan loss allowance to noncurrent loans | 388.1026% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 4,627 |
| Noncurrent loans to loans | 0.4249% | 4,203 |
| Net loans and leases to total assets | 66.5917% | 2,851 |
| Net loans and leases to deposits | 77.0284% | 3,158 |
| Net loans and leases to core deposits | 89.4047% | 2,401 |
| Total domestic deposits to total assets | 86.4509% | 2,459 |
| Equity capital to assets | 10.8090% | 3,095 |
| Core capital (leverage) ratio | 10.2417% | 3,291 |
| Tier 1 risk-based capital ratio | 11.3182% | 5,568 |
| Total risk-based capital ratio | 12.5699% | 5,497 |
| Memoranda: | ||
| Average total assets | $1,649,633,330 | 441 |
| Average earning assets | $1,499,737,330 | 440 |
| Average equity | $177,856,000 | 461 |
| Average total loans | $1,110,197,670 | 447 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 1,040 |
| Cost of funding earning assets | 0.1365% | 6,023 |
| Net interest margin | 4.5600% | 541 |
| Noninterest income to average assets | 0.4748% | 3,468 |
| Noninterest expense to average assets | 2.9300% | 2,808 |
| Loan and lease loss provision to assets | -0.0147% | 6,111 |
| Net operating income to assets | 1.0743% | 1,953 |
| Return on assets (ROA) | 1.0743% | 2,073 |
| Pretax return on assets | 1.7118% | 1,029 |
| Return on Equity (ROE) | 9.9774% | 2,020 |
| Retained earnings to average equity (ytd only) | 9.9774% | 935 |
| Net charge-offs to loans | -0.0857% | 5,786 |
| Credit loss provision to net charge-offs | 25.5319% | 2,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3704% | 4,739 |
| Assets per employee ($millions) | 6.5844% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6816% | 1,787 |
| Loan loss allowance to noncurrent loans | 275.5681% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 3,980 |
| Noncurrent loans to loans | 0.6102% | 3,745 |
| Net loans and leases to total assets | 65.6398% | 2,831 |
| Net loans and leases to deposits | 75.7722% | 3,081 |
| Net loans and leases to core deposits | 88.1905% | 2,307 |
| Total domestic deposits to total assets | 86.6278% | 2,588 |
| Equity capital to assets | 10.8030% | 3,189 |
| Core capital (leverage) ratio | 9.9540% | 3,660 |
| Tier 1 risk-based capital ratio | 11.0451% | 5,783 |
| Total risk-based capital ratio | 12.2966% | 5,709 |
| Memoranda: | ||
| Average total assets | $1,634,526,000 | 445 |
| Average earning assets | $1,488,425,500 | 443 |
| Average equity | $175,997,000 | 467 |
| Average total loans | $1,096,598,000 | 445 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 2,632 |
| Cost of funding earning assets | 0.1571% | 6,055 |
| Net interest margin | 4.1357% | 1,472 |
| Noninterest income to average assets | 0.4739% | 3,685 |
| Noninterest expense to average assets | 2.7673% | 3,604 |
| Loan and lease loss provision to assets | -0.0222% | 5,944 |
| Net operating income to assets | 0.9545% | 2,607 |
| Return on assets (ROA) | 0.9586% | 2,666 |
| Pretax return on assets | 1.5085% | 1,510 |
| Return on Equity (ROE) | 8.8276% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.8276% | 739 |
| Net charge-offs to loans | 0.0449% | 3,926 |
| Credit loss provision to net charge-offs | -75.6152% | 5,472 |
| Earnings coverage of net charge-offs (x) | 50.4765% | 919 |
| Efficiency ratio | 64.3758% | 4,539 |
| Assets per employee ($millions) | 6.6792% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 1,810 |
| Loan loss allowance to noncurrent loans | 313.9026% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 4,476 |
| Noncurrent loans to loans | 0.5372% | 4,048 |
| Net loans and leases to total assets | 66.2871% | 2,841 |
| Net loans and leases to deposits | 76.6108% | 3,131 |
| Net loans and leases to core deposits | 89.6053% | 2,323 |
| Total domestic deposits to total assets | 86.5246% | 2,560 |
| Equity capital to assets | 10.7311% | 3,201 |
| Core capital (leverage) ratio | 9.9411% | 3,660 |
| Tier 1 risk-based capital ratio | 11.8555% | 5,458 |
| Total risk-based capital ratio | 13.1075% | 5,363 |
| Memoranda: | ||
| Average total assets | $1,524,516,200 | 455 |
| Average earning assets | $1,390,961,800 | 456 |
| Average equity | $165,549,200 | 474 |
| Average total loans | $995,081,600 | 460 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1721% | 3,080 |
| Cost of funding earning assets | 0.1486% | 6,192 |
| Net interest margin | 4.0234% | 1,812 |
| Noninterest income to average assets | 0.4872% | 3,635 |
| Noninterest expense to average assets | 2.6931% | 3,847 |
| Loan and lease loss provision to assets | -0.0205% | 6,109 |
| Net operating income to assets | 0.9433% | 2,716 |
| Return on assets (ROA) | 0.9489% | 2,781 |
| Pretax return on assets | 1.4958% | 1,660 |
| Return on Equity (ROE) | 8.7103% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.7103% | 1,092 |
| Net charge-offs to loans | 0.0538% | 3,445 |
| Credit loss provision to net charge-offs | -58.9286% | 5,371 |
| Earnings coverage of net charge-offs (x) | 42.1380% | 1,091 |
| Efficiency ratio | 64.0070% | 4,539 |
| Assets per employee ($millions) | 7.7983% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 1,696 |
| Loan loss allowance to noncurrent loans | 257.1211% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 4,399 |
| Noncurrent loans to loans | 0.6999% | 3,858 |
| Net loans and leases to total assets | 64.8681% | 3,042 |
| Net loans and leases to deposits | 74.6247% | 3,354 |
| Net loans and leases to core deposits | 87.8033% | 2,452 |
| Total domestic deposits to total assets | 86.9258% | 2,361 |
| Equity capital to assets | 10.9215% | 3,044 |
| Core capital (leverage) ratio | 10.8951% | 2,585 |
| Tier 1 risk-based capital ratio | 13.0590% | 4,832 |
| Total risk-based capital ratio | 14.3120% | 4,756 |
| Memoranda: | ||
| Average total assets | $1,501,556,250 | 459 |
| Average earning assets | $1,370,632,250 | 460 |
| Average equity | $163,573,250 | 475 |
| Average total loans | $971,398,250 | 464 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 2,969 |
| Cost of funding earning assets | 0.1521% | 6,255 |
| Net interest margin | 4.0429% | 1,686 |
| Noninterest income to average assets | 0.4537% | 3,841 |
| Noninterest expense to average assets | 2.7424% | 3,724 |
| Loan and lease loss provision to assets | -0.0281% | 6,258 |
| Net operating income to assets | 0.9374% | 2,611 |
| Return on assets (ROA) | 0.9419% | 2,691 |
| Pretax return on assets | 1.4322% | 1,774 |
| Return on Equity (ROE) | 8.6537% | 2,754 |
| Retained earnings to average equity (ytd only) | 8.6537% | 1,094 |
| Net charge-offs to loans | 0.0765% | 2,930 |
| Credit loss provision to net charge-offs | -57.1429% | 5,185 |
| Earnings coverage of net charge-offs (x) | 28.4505% | 1,300 |
| Efficiency ratio | 65.4954% | 4,444 |
| Assets per employee ($millions) | 7.3726% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8730% | 1,645 |
| Loan loss allowance to noncurrent loans | 228.3468% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 4,234 |
| Noncurrent loans to loans | 0.8203% | 3,657 |
| Net loans and leases to total assets | 65.7279% | 2,797 |
| Net loans and leases to deposits | 75.8848% | 3,072 |
| Net loans and leases to core deposits | 90.4265% | 2,088 |
| Total domestic deposits to total assets | 86.6154% | 2,688 |
| Equity capital to assets | 11.2771% | 2,633 |
| Core capital (leverage) ratio | 11.1621% | 2,283 |
| Tier 1 risk-based capital ratio | 12.8564% | 5,004 |
| Total risk-based capital ratio | 14.1096% | 4,939 |
| Memoranda: | ||
| Average total assets | $1,482,185,330 | 467 |
| Average earning assets | $1,351,397,330 | 461 |
| Average equity | $161,318,000 | 475 |
| Average total loans | $951,774,670 | 466 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1578% | 3,042 |
| Cost of funding earning assets | 0.1541% | 6,335 |
| Net interest margin | 4.0038% | 1,748 |
| Noninterest income to average assets | 0.4245% | 3,992 |
| Noninterest expense to average assets | 2.7128% | 3,895 |
| Loan and lease loss provision to assets | -0.0027% | 6,370 |
| Net operating income to assets | 0.8994% | 2,657 |
| Return on assets (ROA) | 0.9083% | 2,682 |
| Pretax return on assets | 1.3816% | 1,814 |
| Return on Equity (ROE) | 8.4990% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.4990% | 1,418 |
| Net charge-offs to loans | 0.1447% | 1,857 |
| Credit loss provision to net charge-offs | -2.9674% | 4,643 |
| Earnings coverage of net charge-offs (x) | 15.0148% | 1,572 |
| Efficiency ratio | 65.7580% | 4,569 |
| Assets per employee ($millions) | 7.5460% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9919% | 1,529 |
| Loan loss allowance to noncurrent loans | 161.5887% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 3,656 |
| Noncurrent loans to loans | 1.2327% | 2,981 |
| Net loans and leases to total assets | 62.9190% | 3,087 |
| Net loans and leases to deposits | 72.3702% | 3,287 |
| Net loans and leases to core deposits | 86.5930% | 2,252 |
| Total domestic deposits to total assets | 86.9406% | 2,851 |
| Equity capital to assets | 10.9333% | 2,783 |
| Core capital (leverage) ratio | 10.8653% | 2,530 |
| Tier 1 risk-based capital ratio | 12.9605% | 5,028 |
| Total risk-based capital ratio | 14.2146% | 4,958 |
| Memoranda: | ||
| Average total assets | $1,482,331,000 | 466 |
| Average earning assets | $1,352,728,500 | 459 |
| Average equity | $158,419,500 | 481 |
| Average total loans | $931,357,000 | 470 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 4,287 |
| Cost of funding earning assets | 0.1765% | 6,410 |
| Net interest margin | 3.7731% | 2,749 |
| Noninterest income to average assets | 0.4007% | 4,436 |
| Noninterest expense to average assets | 2.6243% | 4,379 |
| Loan and lease loss provision to assets | -0.0554% | 6,398 |
| Net operating income to assets | 0.8918% | 2,824 |
| Return on assets (ROA) | 0.8936% | 2,902 |
| Pretax return on assets | 1.2772% | 2,245 |
| Return on Equity (ROE) | 8.1918% | 2,930 |
| Retained earnings to average equity (ytd only) | -1.7716% | 6,150 |
| Net charge-offs to loans | -0.1111% | 6,499 |
| Credit loss provision to net charge-offs | 85.6243% | 2,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4378% | 4,298 |
| Assets per employee ($millions) | 7.7367% | 535 |
| Cash dividends to net income (ytd only)* | 121.6268% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0874% | 1,360 |
| Loan loss allowance to noncurrent loans | 162.1457% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.8300% | 3,817 |
| Noncurrent loans to loans | 1.2874% | 2,983 |
| Net loans and leases to total assets | 60.1998% | 3,676 |
| Net loans and leases to deposits | 68.8689% | 3,924 |
| Net loans and leases to core deposits | 85.4057% | 2,521 |
| Total domestic deposits to total assets | 87.4122% | 2,521 |
| Equity capital to assets | 10.4446% | 3,228 |
| Core capital (leverage) ratio | 10.0894% | 3,451 |
| Tier 1 risk-based capital ratio | 12.6440% | 5,203 |
| Total risk-based capital ratio | 13.8987% | 5,153 |
| Memoranda: | ||
| Average total assets | $1,472,109,800 | 460 |
| Average earning assets | $1,343,232,800 | 459 |
| Average equity | $160,587,600 | 468 |
| Average total loans | $857,680,000 | 482 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 4,413 |
| Cost of funding earning assets | 0.1792% | 6,508 |
| Net interest margin | 3.7441% | 2,868 |
| Noninterest income to average assets | 0.3994% | 4,547 |
| Noninterest expense to average assets | 2.6572% | 4,168 |
| Loan and lease loss provision to assets | -0.0731% | 6,583 |
| Net operating income to assets | 0.8590% | 3,051 |
| Return on assets (ROA) | 0.8614% | 3,154 |
| Pretax return on assets | 1.2320% | 2,574 |
| Return on Equity (ROE) | 7.8121% | 3,223 |
| Retained earnings to average equity (ytd only) | -5.3771% | 6,510 |
| Net charge-offs to loans | -0.1771% | 6,625 |
| Credit loss provision to net charge-offs | 71.8499% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8401% | 3,941 |
| Assets per employee ($millions) | 7.2851% | 652 |
| Cash dividends to net income (ytd only)* | 168.8299% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 1,414 |
| Loan loss allowance to noncurrent loans | 127.9487% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.1259% | 3,401 |
| Noncurrent loans to loans | 1.6796% | 2,674 |
| Net loans and leases to total assets | 62.9631% | 3,174 |
| Net loans and leases to deposits | 72.6477% | 3,438 |
| Net loans and leases to core deposits | 89.8112% | 1,988 |
| Total domestic deposits to total assets | 86.6691% | 2,878 |
| Equity capital to assets | 10.8574% | 2,906 |
| Core capital (leverage) ratio | 10.2414% | 3,341 |
| Tier 1 risk-based capital ratio | 12.4785% | 5,470 |
| Total risk-based capital ratio | 13.7341% | 5,408 |
| Memoranda: | ||
| Average total assets | $1,466,839,750 | 464 |
| Average earning assets | $1,337,199,750 | 463 |
| Average equity | $161,745,000 | 469 |
| Average total loans | $842,584,750 | 493 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 4,879 |
| Cost of funding earning assets | 0.1792% | 6,574 |
| Net interest margin | 3.6039% | 3,340 |
| Noninterest income to average assets | 0.4144% | 4,417 |
| Noninterest expense to average assets | 2.6357% | 4,263 |
| Loan and lease loss provision to assets | -0.0363% | 6,625 |
| Net operating income to assets | 0.7921% | 3,338 |
| Return on assets (ROA) | 0.7957% | 3,473 |
| Pretax return on assets | 1.1174% | 3,026 |
| Return on Equity (ROE) | 7.1814% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.1814% | 1,804 |
| Net charge-offs to loans | -0.1421% | 6,583 |
| Credit loss provision to net charge-offs | 46.1538% | 3,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1527% | 3,798 |
| Assets per employee ($millions) | 7.3144% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2802% | 1,289 |
| Loan loss allowance to noncurrent loans | 134.5156% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0764% | 3,584 |
| Noncurrent loans to loans | 1.6951% | 2,771 |
| Net loans and leases to total assets | 59.3346% | 3,772 |
| Net loans and leases to deposits | 69.0908% | 3,848 |
| Net loans and leases to core deposits | 87.2656% | 2,197 |
| Total domestic deposits to total assets | 85.8792% | 3,431 |
| Equity capital to assets | 11.7218% | 2,111 |
| Core capital (leverage) ratio | 11.7231% | 1,782 |
| Tier 1 risk-based capital ratio | 14.3200% | 4,211 |
| Total risk-based capital ratio | 15.5764% | 4,158 |
| Memoranda: | ||
| Average total assets | $1,489,542,330 | 459 |
| Average earning assets | $1,362,861,330 | 449 |
| Average equity | $165,038,000 | 459 |
| Average total loans | $823,437,330 | 503 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 5,323 |
| Cost of funding earning assets | 0.1768% | 6,691 |
| Net interest margin | 3.4686% | 3,825 |
| Noninterest income to average assets | 0.3852% | 4,577 |
| Noninterest expense to average assets | 2.6431% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6755% | 3,810 |
| Return on assets (ROA) | 0.6813% | 3,930 |
| Pretax return on assets | 0.9486% | 3,574 |
| Return on Equity (ROE) | 6.3159% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.3159% | 2,497 |
| Net charge-offs to loans | -0.1554% | 6,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8977% | 3,459 |
| Assets per employee ($millions) | 7.3468% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3988% | 1,254 |
| Loan loss allowance to noncurrent loans | 116.0706% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.2599% | 3,463 |
| Noncurrent loans to loans | 2.0667% | 2,546 |
| Net loans and leases to total assets | 56.9777% | 3,930 |
| Net loans and leases to deposits | 66.7899% | 3,938 |
| Net loans and leases to core deposits | 84.4404% | 2,275 |
| Total domestic deposits to total assets | 85.3088% | 3,894 |
| Equity capital to assets | 12.0479% | 2,008 |
| Core capital (leverage) ratio | 10.8697% | 2,378 |
| Tier 1 risk-based capital ratio | 14.6148% | 4,098 |
| Total risk-based capital ratio | 15.8723% | 4,053 |
| Memoranda: | ||
| Average total assets | $1,535,792,500 | 453 |
| Average earning assets | $1,416,137,000 | 441 |
| Average equity | $165,677,500 | 463 |
| Average total loans | $811,020,500 | 511 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 4,724 |
| Cost of funding earning assets | 0.2209% | 6,772 |
| Net interest margin | 3.9415% | 2,641 |
| Noninterest income to average assets | 0.4467% | 4,270 |
| Noninterest expense to average assets | 2.6430% | 4,587 |
| Loan and lease loss provision to assets | 0.1997% | 3,139 |
| Net operating income to assets | 0.8335% | 3,123 |
| Return on assets (ROA) | 0.9119% | 2,996 |
| Pretax return on assets | 1.3057% | 2,376 |
| Return on Equity (ROE) | 7.3447% | 3,442 |
| Retained earnings to average equity (ytd only) | -18.6572% | 6,827 |
| Net charge-offs to loans | 0.5649% | 2,037 |
| Credit loss provision to net charge-offs | 62.4635% | 4,385 |
| Earnings coverage of net charge-offs (x) | 4.3581% | 3,397 |
| Efficiency ratio | 64.6038% | 4,774 |
| Assets per employee ($millions) | 8.8968% | 335 |
| Cash dividends to net income (ytd only)* | 354.0241% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3325% | 1,323 |
| Loan loss allowance to noncurrent loans | 104.5784% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.1515% | 3,737 |
| Noncurrent loans to loans | 2.2304% | 2,430 |
| Net loans and leases to total assets | 47.1310% | 5,501 |
| Net loans and leases to deposits | 53.4493% | 5,700 |
| Net loans and leases to core deposits | 64.4569% | 4,911 |
| Total domestic deposits to total assets | 88.1789% | 2,110 |
| Equity capital to assets | 9.7581% | 4,517 |
| Core capital (leverage) ratio | 10.7196% | 2,523 |
| Tier 1 risk-based capital ratio | 14.0032% | 4,384 |
| Total risk-based capital ratio | 15.2602% | 4,340 |
| Memoranda: | ||
| Average total assets | $1,393,925,600 | 481 |
| Average earning assets | $1,269,553,400 | 480 |
| Average equity | $173,064,400 | 435 |
| Average total loans | $789,040,400 | 516 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4405% | 3,880 |
| Cost of funding earning assets | 0.2399% | 6,847 |
| Net interest margin | 4.2005% | 1,735 |
| Noninterest income to average assets | 0.4702% | 4,135 |
| Noninterest expense to average assets | 2.8026% | 3,972 |
| Loan and lease loss provision to assets | 0.2137% | 2,932 |
| Net operating income to assets | 0.8763% | 3,102 |
| Return on assets (ROA) | 0.9586% | 2,927 |
| Pretax return on assets | 1.3706% | 2,341 |
| Return on Equity (ROE) | 7.2257% | 3,682 |
| Retained earnings to average equity (ytd only) | -27.0409% | 7,038 |
| Net charge-offs to loans | 0.6290% | 1,745 |
| Credit loss provision to net charge-offs | 57.3015% | 4,225 |
| Earnings coverage of net charge-offs (x) | 3.9334% | 3,450 |
| Efficiency ratio | 64.7728% | 4,664 |
| Assets per employee ($millions) | 7.1949% | 670 |
| Cash dividends to net income (ytd only)* | 474.2335% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3879% | 1,383 |
| Loan loss allowance to noncurrent loans | 100.0314% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.6270% | 3,147 |
| Noncurrent loans to loans | 2.3872% | 2,420 |
| Net loans and leases to total assets | 57.7941% | 4,169 |
| Net loans and leases to deposits | 68.0233% | 4,173 |
| Net loans and leases to core deposits | 84.2715% | 2,665 |
| Total domestic deposits to total assets | 84.9623% | 3,761 |
| Equity capital to assets | 12.1045% | 2,174 |
| Core capital (leverage) ratio | 10.8748% | 2,515 |
| Tier 1 risk-based capital ratio | 13.8471% | 4,656 |
| Total risk-based capital ratio | 15.1044% | 4,603 |
| Memoranda: | ||
| Average total assets | $1,319,811,250 | 506 |
| Average earning assets | $1,193,660,750 | 505 |
| Average equity | $175,093,250 | 430 |
| Average total loans | $782,370,000 | 514 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 3,607 |
| Cost of funding earning assets | 0.2464% | 6,925 |
| Net interest margin | 4.2936% | 1,493 |
| Noninterest income to average assets | 0.4766% | 4,083 |
| Noninterest expense to average assets | 2.8862% | 3,676 |
| Loan and lease loss provision to assets | 0.1398% | 3,768 |
| Net operating income to assets | 0.9134% | 2,845 |
| Return on assets (ROA) | 0.9196% | 3,082 |
| Pretax return on assets | 1.3396% | 2,427 |
| Return on Equity (ROE) | 6.7285% | 3,923 |
| Retained earnings to average equity (ytd only) | -26.8134% | 7,070 |
| Net charge-offs to loans | 0.4102% | 2,388 |
| Credit loss provision to net charge-offs | 57.4749% | 3,869 |
| Earnings coverage of net charge-offs (x) | 6.0446% | 2,711 |
| Efficiency ratio | 65.3853% | 4,650 |
| Assets per employee ($millions) | 7.0656% | 707 |
| Cash dividends to net income (ytd only)* | 498.5045% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4998% | 1,283 |
| Loan loss allowance to noncurrent loans | 135.9150% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 1.3494% | 3,738 |
| Noncurrent loans to loans | 1.8392% | 3,167 |
| Net loans and leases to total assets | 59.1082% | 3,972 |
| Net loans and leases to deposits | 70.0570% | 3,888 |
| Net loans and leases to core deposits | 87.5755% | 2,251 |
| Total domestic deposits to total assets | 84.3717% | 4,156 |
| Equity capital to assets | 13.1306% | 1,458 |
| Core capital (leverage) ratio | 11.8696% | 1,669 |
| Tier 1 risk-based capital ratio | 14.9284% | 3,813 |
| Total risk-based capital ratio | 16.1870% | 3,756 |
| Memoranda: | ||
| Average total assets | $1,308,869,330 | 512 |
| Average earning assets | $1,182,795,000 | 512 |
| Average equity | $178,881,000 | 416 |
| Average total loans | $776,203,670 | 516 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 3,551 |
| Cost of funding earning assets | 0.2438% | 7,021 |
| Net interest margin | 4.3462% | 1,342 |
| Noninterest income to average assets | 0.4219% | 4,504 |
| Noninterest expense to average assets | 3.1013% | 2,913 |
| Loan and lease loss provision to assets | 0.0307% | 4,984 |
| Net operating income to assets | 0.8353% | 3,217 |
| Return on assets (ROA) | 0.8410% | 3,436 |
| Pretax return on assets | 1.2236% | 2,823 |
| Return on Equity (ROE) | 6.0338% | 4,272 |
| Retained earnings to average equity (ytd only) | -60.0539% | 7,233 |
| Net charge-offs to loans | 0.2587% | 2,636 |
| Credit loss provision to net charge-offs | 20.2429% | 3,772 |
| Earnings coverage of net charge-offs (x) | 8.2146% | 1,989 |
| Efficiency ratio | 70.4690% | 3,724 |
| Assets per employee ($millions) | 6.8894% | 795 |
| Cash dividends to net income (ytd only)* | 1,095.2903% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6653% | 1,159 |
| Loan loss allowance to noncurrent loans | 124.2489% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4983% | 3,617 |
| Noncurrent loans to loans | 2.1452% | 2,975 |
| Net loans and leases to total assets | 56.9503% | 4,225 |
| Net loans and leases to deposits | 67.8631% | 4,087 |
| Net loans and leases to core deposits | 84.2735% | 2,514 |
| Total domestic deposits to total assets | 83.9193% | 4,527 |
| Equity capital to assets | 12.9110% | 1,476 |
| Core capital (leverage) ratio | 11.9243% | 1,631 |
| Tier 1 risk-based capital ratio | 15.6300% | 3,376 |
| Total risk-based capital ratio | 16.8904% | 3,340 |
| Memoranda: | ||
| Average total assets | $1,302,673,500 | 517 |
| Average earning assets | $1,176,557,500 | 510 |
| Average equity | $181,577,000 | 404 |
| Average total loans | $763,807,000 | 525 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 4,702 |
| Cost of funding earning assets | 0.3525% | 7,006 |
| Net interest margin | 4.2398% | 1,925 |
| Noninterest income to average assets | 0.5181% | 3,736 |
| Noninterest expense to average assets | 2.8674% | 4,093 |
| Loan and lease loss provision to assets | 0.3543% | 2,881 |
| Net operating income to assets | 1.1017% | 1,824 |
| Return on assets (ROA) | 1.1374% | 1,821 |
| Pretax return on assets | 1.1598% | 2,613 |
| Return on Equity (ROE) | 7.7787% | 3,022 |
| Retained earnings to average equity (ytd only) | 7.7787% | 1,161 |
| Net charge-offs to loans | 1.1210% | 1,529 |
| Credit loss provision to net charge-offs | 49.8050% | 5,424 |
| Earnings coverage of net charge-offs (x) | 2.0775% | 4,222 |
| Efficiency ratio | 65.0363% | 4,944 |
| Assets per employee ($millions) | 6.8955% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7032% | 1,074 |
| Loan loss allowance to noncurrent loans | 122.9947% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4688% | 3,762 |
| Noncurrent loans to loans | 2.1978% | 2,950 |
| Net loans and leases to total assets | 57.1694% | 4,520 |
| Net loans and leases to deposits | 69.3868% | 4,220 |
| Net loans and leases to core deposits | 86.5774% | 2,560 |
| Total domestic deposits to total assets | 82.3923% | 5,001 |
| Equity capital to assets | 14.9657% | 794 |
| Core capital (leverage) ratio | 13.7263% | 890 |
| Tier 1 risk-based capital ratio | 18.4624% | 2,056 |
| Total risk-based capital ratio | 19.7236% | 2,020 |
| Memoranda: | ||
| Average total assets | $1,261,519,600 | 519 |
| Average earning assets | $1,138,695,600 | 518 |
| Average equity | $184,453,000 | 382 |
| Average total loans | $800,439,600 | 512 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 4,724 |
| Cost of funding earning assets | 0.3852% | 7,047 |
| Net interest margin | 4.2496% | 1,910 |
| Noninterest income to average assets | 0.5199% | 3,726 |
| Noninterest expense to average assets | 2.8848% | 3,995 |
| Loan and lease loss provision to assets | 0.3452% | 2,808 |
| Net operating income to assets | 1.1514% | 1,808 |
| Return on assets (ROA) | 1.1514% | 1,926 |
| Pretax return on assets | 1.1248% | 2,913 |
| Return on Equity (ROE) | 7.9233% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.9233% | 1,532 |
| Net charge-offs to loans | 1.2184% | 1,281 |
| Credit loss provision to net charge-offs | 43.8058% | 5,170 |
| Earnings coverage of net charge-offs (x) | 1.8654% | 4,267 |
| Efficiency ratio | 65.2831% | 4,851 |
| Assets per employee ($millions) | 6.5772% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6969% | 1,133 |
| Loan loss allowance to noncurrent loans | 123.3677% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.4637% | 3,925 |
| Noncurrent loans to loans | 2.1860% | 3,131 |
| Net loans and leases to total assets | 60.7722% | 3,987 |
| Net loans and leases to deposits | 73.6524% | 3,698 |
| Net loans and leases to core deposits | 88.7489% | 2,401 |
| Total domestic deposits to total assets | 82.5121% | 4,873 |
| Equity capital to assets | 15.4572% | 735 |
| Core capital (leverage) ratio | 14.2289% | 835 |
| Tier 1 risk-based capital ratio | 18.6749% | 2,039 |
| Total risk-based capital ratio | 19.9373% | 1,988 |
| Memoranda: | ||
| Average total assets | $1,251,088,000 | 533 |
| Average earning assets | $1,128,988,500 | 525 |
| Average equity | $181,806,250 | 393 |
| Average total loans | $809,110,000 | 517 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 4,876 |
| Cost of funding earning assets | 0.4259% | 7,073 |
| Net interest margin | 4.1972% | 2,046 |
| Noninterest income to average assets | 0.5873% | 3,209 |
| Noninterest expense to average assets | 2.9430% | 3,853 |
| Loan and lease loss provision to assets | 0.2757% | 3,175 |
| Net operating income to assets | 0.8298% | 2,945 |
| Return on assets (ROA) | 0.8298% | 3,058 |
| Pretax return on assets | 1.1603% | 2,636 |
| Return on Equity (ROE) | 5.8342% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.8342% | 2,525 |
| Net charge-offs to loans | 0.9191% | 1,692 |
| Credit loss provision to net charge-offs | 45.8533% | 4,681 |
| Earnings coverage of net charge-offs (x) | 2.3886% | 3,624 |
| Efficiency ratio | 66.2519% | 4,829 |
| Assets per employee ($millions) | 6.7322% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9468% | 939 |
| Loan loss allowance to noncurrent loans | 101.2455% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.8373% | 3,457 |
| Noncurrent loans to loans | 2.9106% | 2,505 |
| Net loans and leases to total assets | 60.6078% | 4,165 |
| Net loans and leases to deposits | 74.2099% | 3,773 |
| Net loans and leases to core deposits | 90.0419% | 2,371 |
| Total domestic deposits to total assets | 81.6707% | 5,284 |
| Equity capital to assets | 14.4890% | 942 |
| Core capital (leverage) ratio | 13.6422% | 955 |
| Tier 1 risk-based capital ratio | 18.2216% | 2,098 |
| Total risk-based capital ratio | 19.4872% | 2,053 |
| Memoranda: | ||
| Average total assets | $1,251,563,670 | 534 |
| Average earning assets | $1,130,658,330 | 531 |
| Average equity | $178,020,670 | 403 |
| Average total loans | $818,648,330 | 520 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 4,873 |
| Cost of funding earning assets | 0.4702% | 7,066 |
| Net interest margin | 4.1472% | 2,091 |
| Noninterest income to average assets | 0.5379% | 3,596 |
| Noninterest expense to average assets | 3.0698% | 3,387 |
| Loan and lease loss provision to assets | 0.2468% | 3,191 |
| Net operating income to assets | 0.8042% | 3,010 |
| Return on assets (ROA) | 0.8042% | 3,075 |
| Pretax return on assets | 0.9728% | 3,244 |
| Return on Equity (ROE) | 5.7078% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.7078% | 2,795 |
| Net charge-offs to loans | 0.9414% | 1,422 |
| Credit loss provision to net charge-offs | 39.1858% | 3,969 |
| Earnings coverage of net charge-offs (x) | 1.9364% | 3,341 |
| Efficiency ratio | 70.5874% | 4,143 |
| Assets per employee ($millions) | 6.7728% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9542% | 952 |
| Loan loss allowance to noncurrent loans | 95.3987% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 2.0819% | 3,218 |
| Noncurrent loans to loans | 3.0967% | 2,420 |
| Net loans and leases to total assets | 62.9472% | 3,674 |
| Net loans and leases to deposits | 76.0371% | 3,412 |
| Net loans and leases to core deposits | 93.4569% | 1,961 |
| Total domestic deposits to total assets | 82.7849% | 5,002 |
| Equity capital to assets | 14.1317% | 969 |
| Core capital (leverage) ratio | 13.2892% | 1,029 |
| Tier 1 risk-based capital ratio | 17.2635% | 2,387 |
| Total risk-based capital ratio | 18.5299% | 2,358 |
| Memoranda: | ||
| Average total assets | $1,247,884,000 | 537 |
| Average earning assets | $1,128,862,000 | 536 |
| Average equity | $175,828,500 | 408 |
| Average total loans | $834,886,500 | 525 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 5,647 |
| Cost of funding earning assets | 0.7393% | 6,764 |
| Net interest margin | 4.0029% | 3,005 |
| Noninterest income to average assets | 0.3107% | 5,581 |
| Noninterest expense to average assets | 6.3441% | 199 |
| Loan and lease loss provision to assets | 2.0413% | 640 |
| Net operating income to assets | -4.1095% | 7,447 |
| Return on assets (ROA) | -3.9741% | 7,445 |
| Pretax return on assets | -4.3605% | 7,486 |
| Return on Equity (ROE) | -28.9677% | 7,209 |
| Retained earnings to average equity (ytd only) | -28.9677% | 7,197 |
| Net charge-offs to loans | 3.1489% | 507 |
| Credit loss provision to net charge-offs | 88.2640% | 5,198 |
| Earnings coverage of net charge-offs (x) | -1.0672% | 6,624 |
| Efficiency ratio | 77.7040% | 2,758 |
| Assets per employee ($millions) | 6.8663% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9408% | 915 |
| Loan loss allowance to noncurrent loans | 81.7065% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 2.5863% | 2,692 |
| Noncurrent loans to loans | 3.5992% | 2,084 |
| Net loans and leases to total assets | 66.9336% | 3,236 |
| Net loans and leases to deposits | 80.9970% | 2,991 |
| Net loans and leases to core deposits | 100.5347% | 1,572 |
| Total domestic deposits to total assets | 82.6372% | 4,954 |
| Equity capital to assets | 14.0482% | 1,021 |
| Core capital (leverage) ratio | 12.0877% | 1,487 |
| Tier 1 risk-based capital ratio | 16.8293% | 2,412 |
| Total risk-based capital ratio | 18.0972% | 2,372 |
| Memoranda: | ||
| Average total assets | $1,313,116,200 | 513 |
| Average earning assets | $1,169,589,800 | 522 |
| Average equity | $180,145,200 | 390 |
| Average total loans | $964,399,200 | 462 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 5,770 |
| Cost of funding earning assets | 0.7794% | 6,820 |
| Net interest margin | 3.9942% | 3,132 |
| Noninterest income to average assets | 0.2427% | 6,154 |
| Noninterest expense to average assets | 7.4266% | 129 |
| Loan and lease loss provision to assets | 2.5804% | 393 |
| Net operating income to assets | -5.6309% | 7,680 |
| Return on assets (ROA) | -5.4963% | 7,682 |
| Pretax return on assets | -6.0746% | 7,692 |
| Return on Equity (ROE) | -40.2898% | 7,496 |
| Retained earnings to average equity (ytd only) | -40.2898% | 7,493 |
| Net charge-offs to loans | 3.9320% | 316 |
| Credit loss provision to net charge-offs | 88.1021% | 4,849 |
| Earnings coverage of net charge-offs (x) | -1.2440% | 6,481 |
| Efficiency ratio | 80.8031% | 2,244 |
| Assets per employee ($millions) | 6.5394% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8120% | 993 |
| Loan loss allowance to noncurrent loans | 54.6114% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 3.5379% | 2,010 |
| Noncurrent loans to loans | 5.1490% | 1,329 |
| Net loans and leases to total assets | 65.8439% | 3,724 |
| Net loans and leases to deposits | 79.5487% | 3,534 |
| Net loans and leases to core deposits | 99.9965% | 1,852 |
| Total domestic deposits to total assets | 82.7719% | 4,689 |
| Equity capital to assets | 13.2608% | 1,470 |
| Core capital (leverage) ratio | 11.9527% | 1,696 |
| Tier 1 risk-based capital ratio | 15.8882% | 2,818 |
| Total risk-based capital ratio | 17.1554% | 2,751 |
| Memoranda: | ||
| Average total assets | $1,330,693,750 | 501 |
| Average earning assets | $1,179,487,750 | 512 |
| Average equity | $181,533,500 | 381 |
| Average total loans | $991,234,250 | 452 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 5,426 |
| Cost of funding earning assets | 0.8232% | 6,840 |
| Net interest margin | 4.0689% | 2,702 |
| Noninterest income to average assets | 0.3933% | 4,958 |
| Noninterest expense to average assets | 9.7184% | 81 |
| Loan and lease loss provision to assets | 3.5585% | 245 |
| Net operating income to assets | -8.4634% | 7,793 |
| Return on assets (ROA) | -8.4634% | 7,793 |
| Pretax return on assets | -9.2952% | 7,804 |
| Return on Equity (ROE) | -61.4685% | 7,659 |
| Retained earnings to average equity (ytd only) | -61.4685% | 7,657 |
| Net charge-offs to loans | 5.0320% | 204 |
| Credit loss provision to net charge-offs | 92.1626% | 4,363 |
| Earnings coverage of net charge-offs (x) | -1.4858% | 6,173 |
| Efficiency ratio | 80.1267% | 2,429 |
| Assets per employee ($millions) | 6.4388% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7662% | 1,025 |
| Loan loss allowance to noncurrent loans | 45.5308% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 4.5603% | 1,446 |
| Noncurrent loans to loans | 6.0754% | 1,045 |
| Net loans and leases to total assets | 72.3019% | 2,322 |
| Net loans and leases to deposits | 87.7315% | 2,218 |
| Net loans and leases to core deposits | 115.4575% | 864 |
| Total domestic deposits to total assets | 82.4128% | 4,821 |
| Equity capital to assets | 13.4583% | 1,360 |
| Core capital (leverage) ratio | 11.6768% | 1,821 |
| Tier 1 risk-based capital ratio | 14.4876% | 3,452 |
| Total risk-based capital ratio | 15.7541% | 3,410 |
| Memoranda: | ||
| Average total assets | $1,331,757,000 | 499 |
| Average earning assets | $1,174,464,330 | 513 |
| Average equity | $183,365,330 | 376 |
| Average total loans | $1,021,855,330 | 441 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 5,478 |
| Cost of funding earning assets | 0.8541% | 6,926 |
| Net interest margin | 4.0423% | 2,686 |
| Noninterest income to average assets | 0.2915% | 5,813 |
| Noninterest expense to average assets | 3.2491% | 2,706 |
| Loan and lease loss provision to assets | 1.5129% | 767 |
| Net operating income to assets | -0.9266% | 7,070 |
| Return on assets (ROA) | -0.9266% | 7,095 |
| Pretax return on assets | -0.9367% | 7,018 |
| Return on Equity (ROE) | -6.6572% | 6,965 |
| Retained earnings to average equity (ytd only) | -6.6572% | 6,705 |
| Net charge-offs to loans | 2.7971% | 567 |
| Credit loss provision to net charge-offs | 69.4562% | 4,109 |
| Earnings coverage of net charge-offs (x) | 0.2645% | 4,810 |
| Efficiency ratio | 83.8184% | 2,041 |
| Assets per employee ($millions) | 6.6352% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6069% | 1,169 |
| Loan loss allowance to noncurrent loans | 39.4735% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 5.1764% | 1,223 |
| Noncurrent loans to loans | 6.6042% | 939 |
| Net loans and leases to total assets | 74.3089% | 1,908 |
| Net loans and leases to deposits | 91.1925% | 1,730 |
| Net loans and leases to core deposits | 120.6207% | 762 |
| Total domestic deposits to total assets | 81.4858% | 5,276 |
| Equity capital to assets | 13.9575% | 1,154 |
| Core capital (leverage) ratio | 10.0691% | 3,078 |
| Tier 1 risk-based capital ratio | 11.7316% | 5,466 |
| Total risk-based capital ratio | 12.9961% | 5,394 |
| Memoranda: | ||
| Average total assets | $1,347,314,000 | 506 |
| Average earning assets | $1,177,845,000 | 527 |
| Average equity | $187,526,000 | 370 |
| Average total loans | $1,049,211,500 | 450 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 6,437 |
| Cost of funding earning assets | 1.1469% | 6,827 |
| Net interest margin | 3.8521% | 3,477 |
| Noninterest income to average assets | 0.4519% | 4,790 |
| Noninterest expense to average assets | 2.9083% | 4,510 |
| Loan and lease loss provision to assets | 2.3826% | 851 |
| Net operating income to assets | -0.7016% | 6,368 |
| Return on assets (ROA) | -0.6912% | 6,351 |
| Pretax return on assets | -1.4356% | 6,661 |
| Return on Equity (ROE) | -5.1403% | 6,224 |
| Retained earnings to average equity (ytd only) | -7.7515% | 6,320 |
| Net charge-offs to loans | 2.5891% | 881 |
| Credit loss provision to net charge-offs | 112.4673% | 4,880 |
| Earnings coverage of net charge-offs (x) | 0.4394% | 5,665 |
| Efficiency ratio | 74.5793% | 3,781 |
| Assets per employee ($millions) | 6.6066% | 942 |
| Cash dividends to net income (ytd only)* | -50.7975% | 7,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6616% | 1,056 |
| Loan loss allowance to noncurrent loans | 46.1210% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 4.7479% | 1,331 |
| Noncurrent loans to loans | 5.7709% | 1,098 |
| Net loans and leases to total assets | 77.3053% | 1,521 |
| Net loans and leases to deposits | 96.0917% | 1,317 |
| Net loans and leases to core deposits | 113.2577% | 2,571 |
| Total domestic deposits to total assets | 80.4495% | 5,535 |
| Equity capital to assets | 13.8803% | 1,203 |
| Core capital (leverage) ratio | 9.9089% | 3,182 |
| Tier 1 risk-based capital ratio | 11.4347% | 5,467 |
| Total risk-based capital ratio | 12.7002% | 5,415 |
| Memoranda: | ||
| Average total assets | $1,423,965,800 | 479 |
| Average earning assets | $1,252,106,000 | 490 |
| Average equity | $191,486,600 | 364 |
| Average total loans | $1,165,154,800 | 413 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 6,586 |
| Cost of funding earning assets | 1.1971% | 6,899 |
| Net interest margin | 3.8090% | 3,616 |
| Noninterest income to average assets | 0.4329% | 5,019 |
| Noninterest expense to average assets | 2.9623% | 4,199 |
| Loan and lease loss provision to assets | 2.6165% | 619 |
| Net operating income to assets | -0.9121% | 6,770 |
| Return on assets (ROA) | -0.9125% | 6,777 |
| Pretax return on assets | -1.7912% | 7,086 |
| Return on Equity (ROE) | -6.8375% | 6,647 |
| Retained earnings to average equity (ytd only) | -10.3072% | 6,835 |
| Net charge-offs to loans | 2.7295% | 657 |
| Credit loss provision to net charge-offs | 116.3441% | 4,365 |
| Earnings coverage of net charge-offs (x) | 0.3672% | 5,658 |
| Efficiency ratio | 77.0199% | 3,320 |
| Assets per employee ($millions) | 6.4133% | 1,027 |
| Cash dividends to net income (ytd only)* | -50.7460% | 7,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6257% | 942 |
| Loan loss allowance to noncurrent loans | 52.4320% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 4.2632% | 1,463 |
| Noncurrent loans to loans | 5.0079% | 1,320 |
| Net loans and leases to total assets | 78.6636% | 1,453 |
| Net loans and leases to deposits | 95.6540% | 1,625 |
| Net loans and leases to core deposits | 113.0997% | 2,924 |
| Total domestic deposits to total assets | 82.2377% | 4,573 |
| Equity capital to assets | 13.8332% | 1,361 |
| Core capital (leverage) ratio | 9.8160% | 3,500 |
| Tier 1 risk-based capital ratio | 11.2430% | 5,697 |
| Total risk-based capital ratio | 12.5084% | 5,631 |
| Memoranda: | ||
| Average total assets | $1,439,719,500 | 487 |
| Average earning assets | $1,268,225,000 | 498 |
| Average equity | $192,132,250 | 371 |
| Average total loans | $1,186,229,750 | 428 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 6,925 |
| Cost of funding earning assets | 1.2355% | 7,000 |
| Net interest margin | 3.7131% | 3,897 |
| Noninterest income to average assets | 0.3651% | 5,588 |
| Noninterest expense to average assets | 2.9957% | 4,098 |
| Loan and lease loss provision to assets | 2.8852% | 527 |
| Net operating income to assets | -1.1294% | 7,073 |
| Return on assets (ROA) | -1.1294% | 7,078 |
| Pretax return on assets | -2.2381% | 7,356 |
| Return on Equity (ROE) | -8.5606% | 6,938 |
| Retained earnings to average equity (ytd only) | -13.7369% | 7,165 |
| Net charge-offs to loans | 2.4276% | 731 |
| Credit loss provision to net charge-offs | 143.3788% | 3,240 |
| Earnings coverage of net charge-offs (x) | 0.3216% | 5,354 |
| Efficiency ratio | 81.0318% | 2,879 |
| Assets per employee ($millions) | 6.6158% | 921 |
| Cash dividends to net income (ytd only)* | -60.4668% | 8,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6560% | 779 |
| Loan loss allowance to noncurrent loans | 53.5108% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 4.3004% | 1,341 |
| Noncurrent loans to loans | 4.9634% | 1,241 |
| Net loans and leases to total assets | 80.1587% | 1,288 |
| Net loans and leases to deposits | 98.1829% | 1,493 |
| Net loans and leases to core deposits | 116.4647% | 2,674 |
| Total domestic deposits to total assets | 81.6423% | 4,842 |
| Equity capital to assets | 13.1763% | 1,624 |
| Core capital (leverage) ratio | 9.4809% | 3,920 |
| Tier 1 risk-based capital ratio | 10.4709% | 6,402 |
| Total risk-based capital ratio | 11.7364% | 6,335 |
| Memoranda: | ||
| Average total assets | $1,464,282,670 | 490 |
| Average earning assets | $1,292,601,670 | 498 |
| Average equity | $193,188,000 | 377 |
| Average total loans | $1,213,791,670 | 436 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 7,129 |
| Cost of funding earning assets | 1.3231% | 6,951 |
| Net interest margin | 3.5950% | 4,334 |
| Noninterest income to average assets | 0.3625% | 5,541 |
| Noninterest expense to average assets | 2.8795% | 4,232 |
| Loan and lease loss provision to assets | 2.8189% | 396 |
| Net operating income to assets | -0.9449% | 7,217 |
| Return on assets (ROA) | -0.9449% | 7,245 |
| Pretax return on assets | -2.1517% | 7,571 |
| Return on Equity (ROE) | -7.1577% | 7,160 |
| Retained earnings to average equity (ytd only) | -17.4036% | 7,559 |
| Net charge-offs to loans | 3.7498% | 323 |
| Credit loss provision to net charge-offs | 90.3965% | 3,994 |
| Earnings coverage of net charge-offs (x) | 0.2139% | 4,811 |
| Efficiency ratio | 79.9695% | 2,830 |
| Assets per employee ($millions) | 6.6334% | 899 |
| Cash dividends to net income (ytd only)* | -143.1434% | 8,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 1,474 |
| Loan loss allowance to noncurrent loans | 42.6291% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 3.8968% | 1,340 |
| Noncurrent loans to loans | 4.6313% | 1,217 |
| Net loans and leases to total assets | 81.3158% | 1,134 |
| Net loans and leases to deposits | 100.9747% | 1,282 |
| Net loans and leases to core deposits | 120.1298% | 2,403 |
| Total domestic deposits to total assets | 80.5309% | 5,158 |
| Equity capital to assets | 13.2792% | 1,628 |
| Core capital (leverage) ratio | 10.0809% | 3,314 |
| Tier 1 risk-based capital ratio | 11.0694% | 5,835 |
| Total risk-based capital ratio | 12.3268% | 5,736 |
| Memoranda: | ||
| Average total assets | $1,478,614,500 | 491 |
| Average earning assets | $1,309,603,500 | 499 |
| Average equity | $195,201,500 | 374 |
| Average total loans | $1,229,601,500 | 436 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9882% | 5,604 |
| Cost of funding earning assets | 1.7251% | 7,202 |
| Net interest margin | 4.2631% | 2,087 |
| Noninterest income to average assets | 0.3619% | 5,822 |
| Noninterest expense to average assets | 2.7101% | 5,226 |
| Loan and lease loss provision to assets | 1.0707% | 1,357 |
| Net operating income to assets | 0.3071% | 5,520 |
| Return on assets (ROA) | 0.3071% | 5,336 |
| Pretax return on assets | 0.3360% | 5,427 |
| Return on Equity (ROE) | 2.4462% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.4462% | 3,673 |
| Net charge-offs to loans | 0.2338% | 3,909 |
| Credit loss provision to net charge-offs | 565.3930% | 776 |
| Earnings coverage of net charge-offs (x) | 7.4279% | 3,115 |
| Efficiency ratio | 64.5881% | 5,423 |
| Assets per employee ($millions) | 6.6573% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0028% | 1,215 |
| Loan loss allowance to noncurrent loans | 61.8358% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 2.7439% | 1,722 |
| Noncurrent loans to loans | 3.2388% | 1,617 |
| Net loans and leases to total assets | 81.6897% | 1,287 |
| Net loans and leases to deposits | 103.7093% | 1,373 |
| Net loans and leases to core deposits | 121.6684% | 2,541 |
| Total domestic deposits to total assets | 78.7680% | 5,460 |
| Equity capital to assets | 13.1260% | 1,740 |
| Core capital (leverage) ratio | 10.3159% | 3,160 |
| Tier 1 risk-based capital ratio | 11.0779% | 5,661 |
| Total risk-based capital ratio | 12.3357% | 5,534 |
| Memoranda: | ||
| Average total assets | $1,451,042,600 | 480 |
| Average earning assets | $1,278,058,600 | 494 |
| Average equity | $182,162,400 | 401 |
| Average total loans | $1,175,272,600 | 442 |