Home > Hinsdale Bank & Trust Company > Performance and Condition Ratios
Hinsdale Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5067% | 1,151 |
| Cost of funding earning assets | 2.0132% | 899 |
| Net interest margin | 3.4935% | 2,197 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.5485% | 4,297 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.3723% | 1,268 |
| Return on assets (ROA) | 1.3731% | 1,242 |
| Pretax return on assets | 1.8685% | 805 |
| Return on Equity (ROE) | 12.6700% | 1,801 |
| Retained earnings to average equity (ytd only) | 5.8215% | 2,315 |
| Net charge-offs to loans | 0.1040% | 881 |
| Credit loss provision to net charge-offs | 305.5587% | 944 |
| Earnings coverage of net charge-offs (x) | 27.4170% | 1,681 |
| Efficiency ratio | 42.5225% | 4,303 |
| Assets per employee ($millions) | 21.4120% | 89 |
| Cash dividends to net income (ytd only)* | 54.0632% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 3,918 |
| Loan loss allowance to noncurrent loans | 250.5211% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 1,751 |
| Noncurrent loans to loans | 0.3275% | 2,012 |
| Net loans and leases to total assets | 72.6100% | 1,512 |
| Net loans and leases to deposits | 86.7520% | 1,555 |
| Net loans and leases to core deposits | 104.9500% | 1,171 |
| Total domestic deposits to total assets | 83.7000% | 2,708 |
| Equity capital to assets | 10.8316% | 1,570 |
| Core capital (leverage) ratio | 9.3639% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7470% | 2,641 |
| Memoranda: | ||
| Average total assets | $4,714,686,400 | 285 |
| Average earning assets | $4,337,313,600 | 278 |
| Average equity | $510,844,000 | 258 |
| Average total loans | $3,408,495,400 | 268 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 1,195 |
| Cost of funding earning assets | 1.8592% | 917 |
| Net interest margin | 3.5022% | 2,204 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.5039% | 4,314 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.4110% | 1,294 |
| Return on assets (ROA) | 1.4092% | 1,282 |
| Pretax return on assets | 1.9230% | 837 |
| Return on Equity (ROE) | 13.0000% | 1,898 |
| Retained earnings to average equity (ytd only) | 7.7385% | 2,061 |
| Net charge-offs to loans | 0.0921% | 832 |
| Credit loss provision to net charge-offs | 311.1398% | 859 |
| Earnings coverage of net charge-offs (x) | 31.6606% | 1,566 |
| Efficiency ratio | 41.3346% | 4,320 |
| Assets per employee ($millions) | 21.2541% | 84 |
| Cash dividends to net income (ytd only)* | 40.4948% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 4,026 |
| Loan loss allowance to noncurrent loans | 194.0105% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 1,705 |
| Noncurrent loans to loans | 0.3988% | 1,831 |
| Net loans and leases to total assets | 72.2700% | 1,544 |
| Net loans and leases to deposits | 86.3349% | 1,532 |
| Net loans and leases to core deposits | 104.5826% | 1,084 |
| Total domestic deposits to total assets | 83.7100% | 2,856 |
| Equity capital to assets | 10.5000% | 1,556 |
| Core capital (leverage) ratio | 9.5473% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8911% | 2,640 |
| Memoranda: | ||
| Average total assets | $4,672,874,000 | 288 |
| Average earning assets | $4,294,546,250 | 283 |
| Average equity | $506,357,500 | 260 |
| Average total loans | $3,367,127,500 | 270 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1238% | 1,329 |
| Cost of funding earning assets | 1.6309% | 997 |
| Net interest margin | 3.4928% | 2,281 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.5037% | 4,329 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.3584% | 1,427 |
| Return on assets (ROA) | 1.3587% | 1,411 |
| Pretax return on assets | 1.8519% | 936 |
| Return on Equity (ROE) | 12.4100% | 2,038 |
| Retained earnings to average equity (ytd only) | 12.4061% | 905 |
| Net charge-offs to loans | 0.0841% | 759 |
| Credit loss provision to net charge-offs | 488.7777% | 660 |
| Earnings coverage of net charge-offs (x) | 34.6540% | 1,480 |
| Efficiency ratio | 41.4202% | 4,352 |
| Assets per employee ($millions) | 21.2410% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 4,000 |
| Loan loss allowance to noncurrent loans | 182.7790% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,469 |
| Noncurrent loans to loans | 0.4424% | 1,615 |
| Net loans and leases to total assets | 71.8100% | 1,556 |
| Net loans and leases to deposits | 85.3240% | 1,560 |
| Net loans and leases to core deposits | 103.5069% | 1,069 |
| Total domestic deposits to total assets | 84.1600% | 2,791 |
| Equity capital to assets | 11.0791% | 1,359 |
| Core capital (leverage) ratio | 9.8433% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3465% | 2,524 |
| Memoranda: | ||
| Average total assets | $4,636,442,667 | 283 |
| Average earning assets | $4,247,194,667 | 278 |
| Average equity | $507,767,667 | 254 |
| Average total loans | $3,328,524,000 | 263 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 1,367 |
| Cost of funding earning assets | 1.3234% | 1,179 |
| Net interest margin | 3.6044% | 2,117 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 1.5104% | 4,380 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 1.3772% | 1,471 |
| Return on assets (ROA) | 1.3809% | 1,437 |
| Pretax return on assets | 1.8747% | 945 |
| Return on Equity (ROE) | 12.6800% | 2,057 |
| Retained earnings to average equity (ytd only) | 12.6839% | 1,146 |
| Net charge-offs to loans | 0.0476% | 887 |
| Credit loss provision to net charge-offs | 726.7857% | 446 |
| Earnings coverage of net charge-offs (x) | 64.1071% | 986 |
| Efficiency ratio | 40.5051% | 4,433 |
| Assets per employee ($millions) | 22.1086% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 4,193 |
| Loan loss allowance to noncurrent loans | 277.2408% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,032 |
| Noncurrent loans to loans | 0.2669% | 2,192 |
| Net loans and leases to total assets | 70.4400% | 1,580 |
| Net loans and leases to deposits | 84.2953% | 1,475 |
| Net loans and leases to core deposits | 100.6385% | 1,062 |
| Total domestic deposits to total assets | 83.5600% | 3,184 |
| Equity capital to assets | 10.9818% | 1,346 |
| Core capital (leverage) ratio | 9.8185% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0554% | 2,715 |
| Memoranda: | ||
| Average total assets | $4,607,534,500 | 293 |
| Average earning assets | $4,203,281,000 | 289 |
| Average equity | $501,611,000 | 262 |
| Average total loans | $3,293,654,500 | 273 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 2,685 |
| Cost of funding earning assets | 0.4537% | 1,693 |
| Net interest margin | 3.1851% | 2,916 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.4834% | 4,439 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3254% | 1,350 |
| Return on assets (ROA) | 1.3200% | 1,319 |
| Pretax return on assets | 1.8028% | 731 |
| Return on Equity (ROE) | 12.0400% | 2,123 |
| Retained earnings to average equity (ytd only) | 12.0385% | 657 |
| Net charge-offs to loans | 0.0797% | 853 |
| Credit loss provision to net charge-offs | 128.8898% | 1,413 |
| Earnings coverage of net charge-offs (x) | 34.4113% | 1,597 |
| Efficiency ratio | 42.5868% | 4,474 |
| Assets per employee ($millions) | 21.3623% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6725% | 4,247 |
| Loan loss allowance to noncurrent loans | 257.0329% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 2,041 |
| Noncurrent loans to loans | 0.2616% | 2,226 |
| Net loans and leases to total assets | 71.5400% | 1,467 |
| Net loans and leases to deposits | 85.4895% | 1,353 |
| Net loans and leases to core deposits | 98.6565% | 1,072 |
| Total domestic deposits to total assets | 83.6800% | 3,277 |
| Equity capital to assets | 10.7893% | 1,339 |
| Core capital (leverage) ratio | 9.4558% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6748% | 2,815 |
| Memoranda: | ||
| Average total assets | $4,334,033,600 | 297 |
| Average earning assets | $4,006,852,400 | 291 |
| Average equity | $475,218,800 | 273 |
| Average total loans | $3,095,298,400 | 276 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 3,138 |
| Cost of funding earning assets | 0.2979% | 2,189 |
| Net interest margin | 3.0173% | 3,175 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 1.4679% | 4,454 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.3020% | 1,346 |
| Return on assets (ROA) | 1.2944% | 1,333 |
| Pretax return on assets | 1.7715% | 778 |
| Return on Equity (ROE) | 11.7500% | 2,121 |
| Retained earnings to average equity (ytd only) | 11.7547% | 851 |
| Net charge-offs to loans | 0.1010% | 611 |
| Credit loss provision to net charge-offs | 59.0653% | 1,495 |
| Earnings coverage of net charge-offs (x) | 26.3756% | 1,586 |
| Efficiency ratio | 43.0729% | 4,491 |
| Assets per employee ($millions) | 21.9305% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6255% | 4,356 |
| Loan loss allowance to noncurrent loans | 619.0462% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 3,043 |
| Noncurrent loans to loans | 0.1010% | 3,152 |
| Net loans and leases to total assets | 69.9700% | 1,479 |
| Net loans and leases to deposits | 83.6682% | 1,325 |
| Net loans and leases to core deposits | 96.1512% | 990 |
| Total domestic deposits to total assets | 83.6300% | 3,573 |
| Equity capital to assets | 10.2095% | 1,518 |
| Core capital (leverage) ratio | 9.3938% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2609% | 2,995 |
| Memoranda: | ||
| Average total assets | $4,280,001,000 | 301 |
| Average earning assets | $3,972,383,250 | 293 |
| Average equity | $471,290,750 | 278 |
| Average total loans | $3,049,872,250 | 275 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0751% | 3,361 |
| Cost of funding earning assets | 0.2342% | 2,456 |
| Net interest margin | 2.8409% | 3,310 |
| Noninterest income to average assets | 0.5748% | 1,845 |
| Noninterest expense to average assets | 1.4798% | 4,443 |
| Loan and lease loss provision to assets | 0.1541% | 610 |
| Net operating income to assets | 1.1522% | 1,595 |
| Return on assets (ROA) | 1.1450% | 1,596 |
| Pretax return on assets | 1.5676% | 1,012 |
| Return on Equity (ROE) | 10.1250% | 2,292 |
| Retained earnings to average equity (ytd only) | 10.1250% | 978 |
| Net charge-offs to loans | 0.1980% | 327 |
| Credit loss provision to net charge-offs | 73.1864% | 1,419 |
| Earnings coverage of net charge-offs (x) | 12.2159% | 1,710 |
| Efficiency ratio | 45.5062% | 4,472 |
| Assets per employee ($millions) | 20.1660% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6640% | 4,393 |
| Loan loss allowance to noncurrent loans | 240.7268% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 2,210 |
| Noncurrent loans to loans | 0.2758% | 2,369 |
| Net loans and leases to total assets | 71.5133% | 1,161 |
| Net loans and leases to deposits | 84.5715% | 1,084 |
| Net loans and leases to core deposits | 91.3882% | 1,044 |
| Total domestic deposits to total assets | 84.5595% | 3,575 |
| Equity capital to assets | 11.0402% | 1,195 |
| Core capital (leverage) ratio | 9.4031% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3380% | 2,962 |
| Memoranda: | ||
| Average total assets | $4,164,219,333 | 304 |
| Average earning assets | $3,863,526,333 | 301 |
| Average equity | $470,911,333 | 279 |
| Average total loans | $2,980,442,333 | 278 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9277% | 3,463 |
| Cost of funding earning assets | 0.2210% | 2,516 |
| Net interest margin | 2.7067% | 3,387 |
| Noninterest income to average assets | 0.7397% | 1,192 |
| Noninterest expense to average assets | 1.4756% | 4,455 |
| Loan and lease loss provision to assets | -0.0336% | 4,488 |
| Net operating income to assets | 1.3271% | 946 |
| Return on assets (ROA) | 1.3203% | 946 |
| Pretax return on assets | 1.8026% | 545 |
| Return on Equity (ROE) | 11.5322% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.5322% | 671 |
| Net charge-offs to loans | -0.0189% | 3,884 |
| Credit loss provision to net charge-offs | 159.4203% | 840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7668% | 4,535 |
| Assets per employee ($millions) | 19.5630% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7155% | 4,361 |
| Loan loss allowance to noncurrent loans | 741.7249% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 3,176 |
| Noncurrent loans to loans | 0.0965% | 3,359 |
| Net loans and leases to total assets | 72.0991% | 822 |
| Net loans and leases to deposits | 86.1539% | 729 |
| Net loans and leases to core deposits | 99.9026% | 516 |
| Total domestic deposits to total assets | 83.6864% | 3,828 |
| Equity capital to assets | 11.4980% | 1,125 |
| Core capital (leverage) ratio | 9.1507% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1772% | 3,031 |
| Memoranda: | ||
| Average total assets | $4,098,653,000 | 313 |
| Average earning assets | $3,806,242,000 | 311 |
| Average equity | $469,258,500 | 284 |
| Average total loans | $2,924,523,000 | 282 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9567% | 3,945 |
| Cost of funding earning assets | 0.2987% | 2,416 |
| Net interest margin | 2.6581% | 3,945 |
| Noninterest income to average assets | 0.4679% | 2,738 |
| Noninterest expense to average assets | 1.5862% | 4,440 |
| Loan and lease loss provision to assets | -0.1545% | 4,636 |
| Net operating income to assets | 1.0883% | 2,342 |
| Return on assets (ROA) | 1.0862% | 2,421 |
| Pretax return on assets | 1.4863% | 1,768 |
| Return on Equity (ROE) | 9.6924% | 2,642 |
| Retained earnings to average equity (ytd only) | 6.3707% | 2,192 |
| Net charge-offs to loans | 0.1328% | 697 |
| Credit loss provision to net charge-offs | -119.6300% | 3,398 |
| Earnings coverage of net charge-offs (x) | 14.8443% | 2,019 |
| Efficiency ratio | 53.5936% | 3,972 |
| Assets per employee ($millions) | 19.5650% | 111 |
| Cash dividends to net income (ytd only)* | 34.2716% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 4,363 |
| Loan loss allowance to noncurrent loans | 414.4801% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 2,632 |
| Noncurrent loans to loans | 0.1787% | 3,049 |
| Net loans and leases to total assets | 69.5750% | 1,088 |
| Net loans and leases to deposits | 83.0777% | 981 |
| Net loans and leases to core deposits | 95.1639% | 724 |
| Total domestic deposits to total assets | 83.7468% | 3,625 |
| Equity capital to assets | 11.4004% | 1,555 |
| Core capital (leverage) ratio | 8.8129% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3013% | 3,017 |
| Memoranda: | ||
| Average total assets | $4,029,294,600 | 299 |
| Average earning assets | $3,717,926,200 | 300 |
| Average equity | $451,570,400 | 290 |
| Average total loans | $2,727,842,400 | 286 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9411% | 4,103 |
| Cost of funding earning assets | 0.3196% | 2,407 |
| Net interest margin | 2.6215% | 4,106 |
| Noninterest income to average assets | 0.4648% | 2,776 |
| Noninterest expense to average assets | 1.5775% | 4,488 |
| Loan and lease loss provision to assets | -0.2373% | 4,785 |
| Net operating income to assets | 1.1275% | 2,447 |
| Return on assets (ROA) | 1.1263% | 2,519 |
| Pretax return on assets | 1.5370% | 1,884 |
| Return on Equity (ROE) | 10.0942% | 2,706 |
| Retained earnings to average equity (ytd only) | 5.6236% | 2,988 |
| Net charge-offs to loans | 0.0987% | 744 |
| Credit loss provision to net charge-offs | -253.0120% | 3,443 |
| Earnings coverage of net charge-offs (x) | 19.6446% | 1,753 |
| Efficiency ratio | 54.0527% | 3,809 |
| Assets per employee ($millions) | 19.6538% | 110 |
| Cash dividends to net income (ytd only)* | 44.2883% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 4,335 |
| Loan loss allowance to noncurrent loans | 258.1873% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 2,384 |
| Noncurrent loans to loans | 0.3126% | 2,664 |
| Net loans and leases to total assets | 66.8949% | 1,442 |
| Net loans and leases to deposits | 79.5023% | 1,333 |
| Net loans and leases to core deposits | 90.3090% | 1,015 |
| Total domestic deposits to total assets | 84.1421% | 3,424 |
| Equity capital to assets | 11.1573% | 1,913 |
| Core capital (leverage) ratio | 8.6775% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6066% | 3,031 |
| Memoranda: | ||
| Average total assets | $4,009,457,750 | 301 |
| Average earning assets | $3,692,064,500 | 303 |
| Average equity | $447,362,250 | 293 |
| Average total loans | $2,689,825,000 | 290 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9305% | 4,175 |
| Cost of funding earning assets | 0.3472% | 2,336 |
| Net interest margin | 2.5834% | 4,191 |
| Noninterest income to average assets | 0.4618% | 2,794 |
| Noninterest expense to average assets | 1.6252% | 4,476 |
| Loan and lease loss provision to assets | -0.3308% | 4,851 |
| Net operating income to assets | 1.1308% | 2,430 |
| Return on assets (ROA) | 1.1292% | 2,507 |
| Pretax return on assets | 1.5402% | 1,904 |
| Return on Equity (ROE) | 10.1205% | 2,703 |
| Retained earnings to average equity (ytd only) | 3.3705% | 3,727 |
| Net charge-offs to loans | 0.1234% | 631 |
| Credit loss provision to net charge-offs | -271.5674% | 3,293 |
| Earnings coverage of net charge-offs (x) | 14.6580% | 1,655 |
| Efficiency ratio | 56.5137% | 3,473 |
| Assets per employee ($millions) | 19.4108% | 103 |
| Cash dividends to net income (ytd only)* | 66.6963% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 4,227 |
| Loan loss allowance to noncurrent loans | 213.9861% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 2,315 |
| Noncurrent loans to loans | 0.4079% | 2,456 |
| Net loans and leases to total assets | 66.4336% | 1,644 |
| Net loans and leases to deposits | 79.2866% | 1,485 |
| Net loans and leases to core deposits | 89.1207% | 1,199 |
| Total domestic deposits to total assets | 83.7891% | 3,497 |
| Equity capital to assets | 11.2381% | 1,802 |
| Core capital (leverage) ratio | 8.4890% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9573% | 2,968 |
| Memoranda: | ||
| Average total assets | $3,983,280,333 | 302 |
| Average earning assets | $3,661,723,000 | 302 |
| Average equity | $444,446,000 | 294 |
| Average total loans | $2,667,465,333 | 291 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8465% | 4,319 |
| Cost of funding earning assets | 0.3700% | 2,355 |
| Net interest margin | 2.4766% | 4,334 |
| Noninterest income to average assets | 0.4925% | 2,641 |
| Noninterest expense to average assets | 1.6918% | 4,391 |
| Loan and lease loss provision to assets | -0.5902% | 4,934 |
| Net operating income to assets | 1.2278% | 2,050 |
| Return on assets (ROA) | 1.2233% | 2,138 |
| Pretax return on assets | 1.6688% | 1,561 |
| Return on Equity (ROE) | 11.0031% | 2,368 |
| Retained earnings to average equity (ytd only) | 11.0031% | 1,402 |
| Net charge-offs to loans | 0.0911% | 738 |
| Credit loss provision to net charge-offs | -721.3465% | 3,265 |
| Earnings coverage of net charge-offs (x) | 17.7816% | 1,291 |
| Efficiency ratio | 60.1421% | 3,014 |
| Assets per employee ($millions) | 18.8979% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 4,213 |
| Loan loss allowance to noncurrent loans | 198.3497% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 2,511 |
| Noncurrent loans to loans | 0.4436% | 2,524 |
| Net loans and leases to total assets | 68.5822% | 1,456 |
| Net loans and leases to deposits | 82.0708% | 1,330 |
| Net loans and leases to core deposits | 93.7932% | 995 |
| Total domestic deposits to total assets | 83.5647% | 3,554 |
| Equity capital to assets | 11.2989% | 1,660 |
| Core capital (leverage) ratio | 8.6846% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2499% | 2,880 |
| Memoranda: | ||
| Average total assets | $3,995,021,500 | 301 |
| Average earning assets | $3,683,664,500 | 297 |
| Average equity | $444,165,500 | 291 |
| Average total loans | $2,674,298,500 | 293 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 3,695 |
| Cost of funding earning assets | 0.6035% | 2,276 |
| Net interest margin | 3.0480% | 3,760 |
| Noninterest income to average assets | 0.4694% | 2,775 |
| Noninterest expense to average assets | 1.9323% | 4,261 |
| Loan and lease loss provision to assets | 0.4579% | 602 |
| Net operating income to assets | 0.6133% | 3,704 |
| Return on assets (ROA) | 0.6172% | 3,816 |
| Pretax return on assets | 0.8440% | 3,515 |
| Return on Equity (ROE) | 5.2789% | 3,823 |
| Retained earnings to average equity (ytd only) | -2.3841% | 4,734 |
| Net charge-offs to loans | 0.2179% | 799 |
| Credit loss provision to net charge-offs | 295.8604% | 1,756 |
| Earnings coverage of net charge-offs (x) | 8.3803% | 2,607 |
| Efficiency ratio | 59.0265% | 3,587 |
| Assets per employee ($millions) | 18.6167% | 109 |
| Cash dividends to net income (ytd only)* | 145.1634% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,302 |
| Loan loss allowance to noncurrent loans | 171.0380% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 2,174 |
| Noncurrent loans to loans | 0.6611% | 2,027 |
| Net loans and leases to total assets | 63.9675% | 2,370 |
| Net loans and leases to deposits | 77.4609% | 2,127 |
| Net loans and leases to core deposits | 87.9598% | 1,699 |
| Total domestic deposits to total assets | 82.5803% | 3,519 |
| Equity capital to assets | 10.9377% | 2,312 |
| Core capital (leverage) ratio | 8.4783% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6750% | 2,745 |
| Memoranda: | ||
| Average total assets | $3,683,418,000 | 303 |
| Average earning assets | $3,335,221,000 | 300 |
| Average equity | $430,636,600 | 286 |
| Average total loans | $2,616,338,400 | 292 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 3,313 |
| Cost of funding earning assets | 0.6656% | 2,225 |
| Net interest margin | 3.2180% | 3,435 |
| Noninterest income to average assets | 0.4626% | 2,777 |
| Noninterest expense to average assets | 2.0735% | 4,002 |
| Loan and lease loss provision to assets | 0.6666% | 345 |
| Net operating income to assets | 0.4495% | 4,167 |
| Return on assets (ROA) | 0.4550% | 4,226 |
| Pretax return on assets | 0.6310% | 4,047 |
| Return on Equity (ROE) | 3.8235% | 4,200 |
| Retained earnings to average equity (ytd only) | -6.4363% | 4,878 |
| Net charge-offs to loans | 0.0540% | 1,837 |
| Credit loss provision to net charge-offs | 1,696.5160% | 558 |
| Earnings coverage of net charge-offs (x) | 32.8465% | 1,514 |
| Efficiency ratio | 60.8253% | 3,255 |
| Assets per employee ($millions) | 18.0640% | 109 |
| Cash dividends to net income (ytd only)* | 268.3363% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,338 |
| Loan loss allowance to noncurrent loans | 155.8414% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 1,798 |
| Noncurrent loans to loans | 0.8105% | 1,799 |
| Net loans and leases to total assets | 71.5828% | 1,728 |
| Net loans and leases to deposits | 85.8093% | 1,726 |
| Net loans and leases to core deposits | 99.5058% | 1,193 |
| Total domestic deposits to total assets | 83.4207% | 3,019 |
| Equity capital to assets | 11.1395% | 2,290 |
| Core capital (leverage) ratio | 8.5346% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8290% | 2,958 |
| Memoranda: | ||
| Average total assets | $3,603,624,250 | 302 |
| Average earning assets | $3,249,310,500 | 302 |
| Average equity | $428,847,750 | 284 |
| Average total loans | $2,623,013,250 | 289 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 2,958 |
| Cost of funding earning assets | 0.7448% | 2,154 |
| Net interest margin | 3.3886% | 3,140 |
| Noninterest income to average assets | 0.4951% | 2,596 |
| Noninterest expense to average assets | 2.3086% | 3,491 |
| Loan and lease loss provision to assets | 0.7878% | 316 |
| Net operating income to assets | 0.3229% | 4,375 |
| Return on assets (ROA) | 0.3313% | 4,417 |
| Pretax return on assets | 0.4622% | 4,310 |
| Return on Equity (ROE) | 2.7211% | 4,400 |
| Retained earnings to average equity (ytd only) | -12.6420% | 4,956 |
| Net charge-offs to loans | 0.0663% | 1,581 |
| Credit loss provision to net charge-offs | 1,629.4256% | 568 |
| Earnings coverage of net charge-offs (x) | 25.6331% | 1,547 |
| Efficiency ratio | 64.2580% | 2,792 |
| Assets per employee ($millions) | 17.3873% | 114 |
| Cash dividends to net income (ytd only)* | 564.5851% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 2,939 |
| Loan loss allowance to noncurrent loans | 132.0339% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 1,775 |
| Noncurrent loans to loans | 0.8475% | 1,794 |
| Net loans and leases to total assets | 73.3188% | 1,505 |
| Net loans and leases to deposits | 88.3596% | 1,517 |
| Net loans and leases to core deposits | 102.7825% | 1,079 |
| Total domestic deposits to total assets | 82.9778% | 3,095 |
| Equity capital to assets | 11.1982% | 2,183 |
| Core capital (leverage) ratio | 8.4845% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4054% | 3,105 |
| Memoranda: | ||
| Average total assets | $3,528,311,000 | 306 |
| Average earning assets | $3,178,759,000 | 303 |
| Average equity | $429,598,667 | 286 |
| Average total loans | $2,571,892,000 | 295 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 2,450 |
| Cost of funding earning assets | 0.8623% | 2,047 |
| Net interest margin | 3.5858% | 2,716 |
| Noninterest income to average assets | 0.6179% | 1,960 |
| Noninterest expense to average assets | 1.9846% | 4,428 |
| Loan and lease loss provision to assets | 0.3218% | 963 |
| Net operating income to assets | 1.1254% | 1,763 |
| Return on assets (ROA) | 1.1390% | 1,832 |
| Pretax return on assets | 1.5546% | 1,164 |
| Return on Equity (ROE) | 8.9589% | 2,128 |
| Retained earnings to average equity (ytd only) | -21.4478% | 4,982 |
| Net charge-offs to loans | 0.0999% | 1,081 |
| Credit loss provision to net charge-offs | 445.9416% | 942 |
| Earnings coverage of net charge-offs (x) | 25.7646% | 1,276 |
| Efficiency ratio | 50.8366% | 4,617 |
| Assets per employee ($millions) | 14.4364% | 141 |
| Cash dividends to net income (ytd only)* | 339.4014% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 4,393 |
| Loan loss allowance to noncurrent loans | 86.0647% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 1,831 |
| Noncurrent loans to loans | 0.9396% | 1,754 |
| Net loans and leases to total assets | 70.4949% | 2,172 |
| Net loans and leases to deposits | 85.9411% | 2,007 |
| Net loans and leases to core deposits | 102.6176% | 1,273 |
| Total domestic deposits to total assets | 82.0270% | 3,416 |
| Equity capital to assets | 12.0335% | 2,041 |
| Core capital (leverage) ratio | 9.4858% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6634% | 3,197 |
| Memoranda: | ||
| Average total assets | $3,414,635,000 | 305 |
| Average earning assets | $3,071,915,000 | 303 |
| Average equity | $434,114,500 | 284 |
| Average total loans | $2,465,454,500 | 296 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 2,674 |
| Cost of funding earning assets | 0.9680% | 1,868 |
| Net interest margin | 3.6151% | 3,089 |
| Noninterest income to average assets | 0.5465% | 2,508 |
| Noninterest expense to average assets | 1.7936% | 4,779 |
| Loan and lease loss provision to assets | 0.0891% | 2,239 |
| Net operating income to assets | 1.4200% | 1,274 |
| Return on assets (ROA) | 1.4236% | 1,336 |
| Pretax return on assets | 1.9239% | 706 |
| Return on Equity (ROE) | 10.9250% | 1,916 |
| Retained earnings to average equity (ytd only) | 6.3815% | 1,679 |
| Net charge-offs to loans | 0.1636% | 1,230 |
| Credit loss provision to net charge-offs | 71.4625% | 2,894 |
| Earnings coverage of net charge-offs (x) | 16.1015% | 2,193 |
| Efficiency ratio | 46.7421% | 4,886 |
| Assets per employee ($millions) | 13.2803% | 172 |
| Cash dividends to net income (ytd only)* | 41.5887% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4512% | 4,944 |
| Loan loss allowance to noncurrent loans | 62.9823% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 2,106 |
| Noncurrent loans to loans | 0.7163% | 2,085 |
| Net loans and leases to total assets | 73.0782% | 1,910 |
| Net loans and leases to deposits | 88.8381% | 1,726 |
| Net loans and leases to core deposits | 103.0220% | 1,312 |
| Total domestic deposits to total assets | 82.2600% | 3,430 |
| Equity capital to assets | 13.4375% | 1,306 |
| Core capital (leverage) ratio | 11.0837% | 2,420 |
| Tier 1 risk-based capital ratio | 12.1989% | 4,243 |
| Total risk-based capital ratio | 12.6121% | 4,584 |
| Memoranda: | ||
| Average total assets | $2,702,468,400 | 336 |
| Average earning assets | $2,433,710,800 | 336 |
| Average equity | $352,145,600 | 309 |
| Average total loans | $2,060,343,400 | 314 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 2,486 |
| Cost of funding earning assets | 0.9932% | 1,796 |
| Net interest margin | 3.6836% | 2,977 |
| Noninterest income to average assets | 0.5765% | 2,326 |
| Noninterest expense to average assets | 1.7770% | 4,849 |
| Loan and lease loss provision to assets | 0.1467% | 1,300 |
| Net operating income to assets | 1.4578% | 1,310 |
| Return on assets (ROA) | 1.4631% | 1,348 |
| Pretax return on assets | 1.9772% | 723 |
| Return on Equity (ROE) | 11.3432% | 1,871 |
| Retained earnings to average equity (ytd only) | 4.8609% | 2,954 |
| Net charge-offs to loans | 0.2257% | 786 |
| Credit loss provision to net charge-offs | 84.2184% | 2,452 |
| Earnings coverage of net charge-offs (x) | 12.1557% | 2,381 |
| Efficiency ratio | 45.3039% | 4,965 |
| Assets per employee ($millions) | 15.1096% | 118 |
| Cash dividends to net income (ytd only)* | 57.1469% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5536% | 4,893 |
| Loan loss allowance to noncurrent loans | 137.0067% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,052 |
| Noncurrent loans to loans | 0.4041% | 3,100 |
| Net loans and leases to total assets | 76.9200% | 1,336 |
| Net loans and leases to deposits | 92.2999% | 1,398 |
| Net loans and leases to core deposits | 110.0760% | 947 |
| Total domestic deposits to total assets | 83.3370% | 3,052 |
| Equity capital to assets | 12.7282% | 1,770 |
| Core capital (leverage) ratio | 10.1378% | 3,487 |
| Tier 1 risk-based capital ratio | 11.1971% | 4,825 |
| Total risk-based capital ratio | 11.7035% | 5,014 |
| Memoranda: | ||
| Average total assets | $2,551,388,500 | 355 |
| Average earning assets | $2,297,930,250 | 352 |
| Average equity | $329,094,250 | 323 |
| Average total loans | $1,968,555,750 | 330 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 2,408 |
| Cost of funding earning assets | 0.9484% | 1,921 |
| Net interest margin | 3.7374% | 2,801 |
| Noninterest income to average assets | 0.5712% | 2,282 |
| Noninterest expense to average assets | 1.7977% | 4,878 |
| Loan and lease loss provision to assets | 0.1577% | 1,151 |
| Net operating income to assets | 1.4624% | 1,256 |
| Return on assets (ROA) | 1.4685% | 1,292 |
| Pretax return on assets | 1.9818% | 698 |
| Return on Equity (ROE) | 11.3319% | 1,856 |
| Retained earnings to average equity (ytd only) | 1.5149% | 4,283 |
| Net charge-offs to loans | 0.2788% | 608 |
| Credit loss provision to net charge-offs | 73.3999% | 2,293 |
| Earnings coverage of net charge-offs (x) | 9.9193% | 2,306 |
| Efficiency ratio | 45.4049% | 5,011 |
| Assets per employee ($millions) | 14.2475% | 120 |
| Cash dividends to net income (ytd only)* | 86.6317% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5642% | 4,933 |
| Loan loss allowance to noncurrent loans | 117.9290% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 2,808 |
| Noncurrent loans to loans | 0.4785% | 2,845 |
| Net loans and leases to total assets | 76.5048% | 1,468 |
| Net loans and leases to deposits | 91.9062% | 1,498 |
| Net loans and leases to core deposits | 111.8970% | 871 |
| Total domestic deposits to total assets | 83.2423% | 3,132 |
| Equity capital to assets | 12.7272% | 1,733 |
| Core capital (leverage) ratio | 10.2844% | 3,303 |
| Tier 1 risk-based capital ratio | 11.0348% | 4,893 |
| Total risk-based capital ratio | 11.5448% | 5,093 |
| Memoranda: | ||
| Average total assets | $2,515,420,000 | 359 |
| Average earning assets | $2,260,272,670 | 356 |
| Average equity | $325,965,330 | 326 |
| Average total loans | $1,939,102,000 | 337 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 2,172 |
| Cost of funding earning assets | 0.8998% | 2,006 |
| Net interest margin | 3.8160% | 2,462 |
| Noninterest income to average assets | 0.6394% | 1,869 |
| Noninterest expense to average assets | 1.7960% | 4,928 |
| Loan and lease loss provision to assets | 0.0084% | 3,327 |
| Net operating income to assets | 1.6814% | 760 |
| Return on assets (ROA) | 1.6828% | 785 |
| Pretax return on assets | 2.2585% | 391 |
| Return on Equity (ROE) | 12.8665% | 1,264 |
| Retained earnings to average equity (ytd only) | 1.7842% | 4,118 |
| Net charge-offs to loans | 0.1926% | 723 |
| Credit loss provision to net charge-offs | 5.6338% | 2,198 |
| Earnings coverage of net charge-offs (x) | 15.2384% | 1,748 |
| Efficiency ratio | 43.8871% | 5,106 |
| Assets per employee ($millions) | 14.3374% | 118 |
| Cash dividends to net income (ytd only)* | 86.1326% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5767% | 4,976 |
| Loan loss allowance to noncurrent loans | 93.2691% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 2,455 |
| Noncurrent loans to loans | 0.6184% | 2,474 |
| Net loans and leases to total assets | 75.8787% | 1,505 |
| Net loans and leases to deposits | 91.3508% | 1,474 |
| Net loans and leases to core deposits | 108.4927% | 1,025 |
| Total domestic deposits to total assets | 83.0630% | 3,360 |
| Equity capital to assets | 13.0207% | 1,441 |
| Core capital (leverage) ratio | 10.4347% | 3,129 |
| Tier 1 risk-based capital ratio | 11.3041% | 4,839 |
| Total risk-based capital ratio | 11.8219% | 5,058 |
| Memoranda: | ||
| Average total assets | $2,483,731,000 | 365 |
| Average earning assets | $2,227,173,000 | 363 |
| Average equity | $324,843,500 | 330 |
| Average total loans | $1,916,603,000 | 343 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 2,157 |
| Cost of funding earning assets | 0.7301% | 1,905 |
| Net interest margin | 3.8602% | 2,465 |
| Noninterest income to average assets | 0.5737% | 2,428 |
| Noninterest expense to average assets | 1.9155% | 4,876 |
| Loan and lease loss provision to assets | 0.1203% | 1,838 |
| Net operating income to assets | 1.5124% | 1,088 |
| Return on assets (ROA) | 1.5071% | 1,085 |
| Pretax return on assets | 2.0266% | 532 |
| Return on Equity (ROE) | 11.5019% | 1,899 |
| Retained earnings to average equity (ytd only) | 9.5525% | 724 |
| Net charge-offs to loans | 0.0728% | 2,079 |
| Credit loss provision to net charge-offs | 210.8955% | 1,373 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 1,371 |
| Efficiency ratio | 46.6859% | 5,098 |
| Assets per employee ($millions) | 13.8113% | 127 |
| Cash dividends to net income (ytd only)* | 16.9492% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 4,939 |
| Loan loss allowance to noncurrent loans | 149.0493% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 2,892 |
| Noncurrent loans to loans | 0.4167% | 3,042 |
| Net loans and leases to total assets | 77.5465% | 1,346 |
| Net loans and leases to deposits | 92.3548% | 1,499 |
| Net loans and leases to core deposits | 104.3151% | 1,390 |
| Total domestic deposits to total assets | 83.9658% | 3,007 |
| Equity capital to assets | 13.1382% | 1,284 |
| Core capital (leverage) ratio | 10.4015% | 3,139 |
| Tier 1 risk-based capital ratio | 11.0924% | 4,931 |
| Total risk-based capital ratio | 11.6437% | 5,127 |
| Memoranda: | ||
| Average total assets | $2,348,808,000 | 372 |
| Average earning assets | $2,126,879,000 | 370 |
| Average equity | $307,774,200 | 339 |
| Average total loans | $1,841,846,600 | 349 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 2,268 |
| Cost of funding earning assets | 0.6729% | 2,015 |
| Net interest margin | 3.8370% | 2,504 |
| Noninterest income to average assets | 0.5827% | 2,401 |
| Noninterest expense to average assets | 1.8754% | 4,944 |
| Loan and lease loss provision to assets | 0.1184% | 1,713 |
| Net operating income to assets | 1.5376% | 1,101 |
| Return on assets (ROA) | 1.5297% | 1,124 |
| Pretax return on assets | 2.0604% | 534 |
| Return on Equity (ROE) | 11.6824% | 1,916 |
| Retained earnings to average equity (ytd only) | 9.0507% | 1,196 |
| Net charge-offs to loans | 0.0822% | 1,702 |
| Credit loss provision to net charge-offs | 183.3630% | 1,483 |
| Earnings coverage of net charge-offs (x) | 33.9030% | 1,502 |
| Efficiency ratio | 45.7412% | 5,153 |
| Assets per employee ($millions) | 14.1635% | 115 |
| Cash dividends to net income (ytd only)* | 22.5276% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 5,056 |
| Loan loss allowance to noncurrent loans | 164.7630% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 3,180 |
| Noncurrent loans to loans | 0.3586% | 3,362 |
| Net loans and leases to total assets | 78.5007% | 1,260 |
| Net loans and leases to deposits | 93.6774% | 1,410 |
| Net loans and leases to core deposits | 113.9529% | 822 |
| Total domestic deposits to total assets | 83.7990% | 3,011 |
| Equity capital to assets | 12.8004% | 1,420 |
| Core capital (leverage) ratio | 10.1005% | 3,519 |
| Tier 1 risk-based capital ratio | 10.8019% | 5,132 |
| Total risk-based capital ratio | 11.3281% | 5,306 |
| Memoranda: | ||
| Average total assets | $2,321,406,000 | 374 |
| Average earning assets | $2,106,218,250 | 372 |
| Average equity | $303,970,000 | 338 |
| Average total loans | $1,822,725,750 | 351 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 2,479 |
| Cost of funding earning assets | 0.5922% | 2,279 |
| Net interest margin | 3.7911% | 2,590 |
| Noninterest income to average assets | 0.5841% | 2,411 |
| Noninterest expense to average assets | 1.8785% | 4,988 |
| Loan and lease loss provision to assets | 0.1662% | 1,105 |
| Net operating income to assets | 1.4648% | 1,242 |
| Return on assets (ROA) | 1.4534% | 1,267 |
| Pretax return on assets | 1.9603% | 663 |
| Return on Equity (ROE) | 11.0118% | 2,109 |
| Retained earnings to average equity (ytd only) | 11.0118% | 671 |
| Net charge-offs to loans | 0.0989% | 1,368 |
| Credit loss provision to net charge-offs | 214.3503% | 1,240 |
| Earnings coverage of net charge-offs (x) | 27.6158% | 1,575 |
| Efficiency ratio | 46.3027% | 5,198 |
| Assets per employee ($millions) | 12.6679% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 5,095 |
| Loan loss allowance to noncurrent loans | 164.8322% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 3,096 |
| Noncurrent loans to loans | 0.3681% | 3,374 |
| Net loans and leases to total assets | 79.5342% | 1,091 |
| Net loans and leases to deposits | 94.7286% | 1,279 |
| Net loans and leases to core deposits | 124.3678% | 448 |
| Total domestic deposits to total assets | 83.9601% | 3,079 |
| Equity capital to assets | 13.1069% | 1,254 |
| Core capital (leverage) ratio | 10.4215% | 3,115 |
| Tier 1 risk-based capital ratio | 11.0202% | 5,044 |
| Total risk-based capital ratio | 11.5705% | 5,251 |
| Memoranda: | ||
| Average total assets | $2,283,167,330 | 378 |
| Average earning assets | $2,068,882,000 | 378 |
| Average equity | $301,348,670 | 338 |
| Average total loans | $1,789,054,000 | 355 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 2,469 |
| Cost of funding earning assets | 0.5431% | 2,455 |
| Net interest margin | 3.7682% | 2,555 |
| Noninterest income to average assets | 0.6675% | 1,969 |
| Noninterest expense to average assets | 1.8850% | 5,043 |
| Loan and lease loss provision to assets | 0.1346% | 1,401 |
| Net operating income to assets | 1.5275% | 1,015 |
| Return on assets (ROA) | 1.5050% | 1,070 |
| Pretax return on assets | 2.0252% | 545 |
| Return on Equity (ROE) | 11.3612% | 1,826 |
| Retained earnings to average equity (ytd only) | 11.3612% | 812 |
| Net charge-offs to loans | 0.0315% | 1,867 |
| Credit loss provision to net charge-offs | 551.8248% | 550 |
| Earnings coverage of net charge-offs (x) | 89.7153% | 656 |
| Efficiency ratio | 45.8388% | 5,282 |
| Assets per employee ($millions) | 12.6725% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 5,148 |
| Loan loss allowance to noncurrent loans | 142.3602% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 3,052 |
| Noncurrent loans to loans | 0.4369% | 3,218 |
| Net loans and leases to total assets | 77.8257% | 1,271 |
| Net loans and leases to deposits | 92.9581% | 1,338 |
| Net loans and leases to core deposits | 120.7849% | 564 |
| Total domestic deposits to total assets | 83.7213% | 3,426 |
| Equity capital to assets | 13.2688% | 1,128 |
| Core capital (leverage) ratio | 10.3537% | 3,112 |
| Tier 1 risk-based capital ratio | 11.1446% | 5,060 |
| Total risk-based capital ratio | 11.7029% | 5,281 |
| Memoranda: | ||
| Average total assets | $2,246,637,000 | 386 |
| Average earning assets | $2,030,583,500 | 383 |
| Average equity | $297,608,500 | 342 |
| Average total loans | $1,740,856,500 | 365 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 2,873 |
| Cost of funding earning assets | 0.4149% | 3,099 |
| Net interest margin | 3.7374% | 2,645 |
| Noninterest income to average assets | 0.5519% | 2,707 |
| Noninterest expense to average assets | 1.9615% | 5,021 |
| Loan and lease loss provision to assets | 0.0314% | 3,647 |
| Net operating income to assets | 1.3339% | 1,155 |
| Return on assets (ROA) | 1.3344% | 1,175 |
| Pretax return on assets | 1.9309% | 569 |
| Return on Equity (ROE) | 10.0349% | 1,869 |
| Retained earnings to average equity (ytd only) | 4.7517% | 2,288 |
| Net charge-offs to loans | 0.0242% | 3,324 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 104.1915% | 633 |
| Efficiency ratio | 49.4789% | 5,245 |
| Assets per employee ($millions) | 12.2923% | 173 |
| Cash dividends to net income (ytd only)* | 52.6482% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6117% | 5,222 |
| Loan loss allowance to noncurrent loans | 105.7911% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 2,791 |
| Noncurrent loans to loans | 0.5782% | 2,773 |
| Net loans and leases to total assets | 76.1767% | 1,560 |
| Net loans and leases to deposits | 91.0423% | 1,644 |
| Net loans and leases to core deposits | 114.4975% | 777 |
| Total domestic deposits to total assets | 83.6718% | 3,319 |
| Equity capital to assets | 13.2245% | 1,156 |
| Core capital (leverage) ratio | 10.1851% | 3,215 |
| Tier 1 risk-based capital ratio | 10.9705% | 5,165 |
| Total risk-based capital ratio | 11.5094% | 5,383 |
| Memoranda: | ||
| Average total assets | $2,135,172,400 | 389 |
| Average earning assets | $1,926,038,000 | 390 |
| Average equity | $283,918,400 | 339 |
| Average total loans | $1,659,019,600 | 361 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 2,957 |
| Cost of funding earning assets | 0.3850% | 3,333 |
| Net interest margin | 3.7249% | 2,677 |
| Noninterest income to average assets | 0.5234% | 2,880 |
| Noninterest expense to average assets | 1.9483% | 5,047 |
| Loan and lease loss provision to assets | 0.0270% | 3,590 |
| Net operating income to assets | 1.1879% | 1,744 |
| Return on assets (ROA) | 1.1881% | 1,779 |
| Pretax return on assets | 1.9101% | 669 |
| Return on Equity (ROE) | 8.9223% | 2,650 |
| Retained earnings to average equity (ytd only) | 3.2354% | 4,000 |
| Net charge-offs to loans | 0.0426% | 2,591 |
| Credit loss provision to net charge-offs | 81.3688% | 2,564 |
| Earnings coverage of net charge-offs (x) | 58.3457% | 1,010 |
| Efficiency ratio | 49.6053% | 5,268 |
| Assets per employee ($millions) | 12.2060% | 172 |
| Cash dividends to net income (ytd only)* | 63.7382% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5919% | 5,338 |
| Loan loss allowance to noncurrent loans | 117.1848% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 3,091 |
| Noncurrent loans to loans | 0.5051% | 3,186 |
| Net loans and leases to total assets | 77.8091% | 1,298 |
| Net loans and leases to deposits | 92.6279% | 1,477 |
| Net loans and leases to core deposits | 115.6530% | 757 |
| Total domestic deposits to total assets | 84.0018% | 3,123 |
| Equity capital to assets | 13.2312% | 1,279 |
| Core capital (leverage) ratio | 10.0876% | 3,456 |
| Tier 1 risk-based capital ratio | 10.9432% | 5,278 |
| Total risk-based capital ratio | 11.4755% | 5,487 |
| Memoranda: | ||
| Average total assets | $2,112,739,250 | 390 |
| Average earning assets | $1,906,708,500 | 393 |
| Average equity | $281,340,000 | 342 |
| Average total loans | $1,647,452,000 | 366 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,070 |
| Cost of funding earning assets | 0.3446% | 3,639 |
| Net interest margin | 3.6889% | 2,690 |
| Noninterest income to average assets | 0.5330% | 2,811 |
| Noninterest expense to average assets | 1.9523% | 5,077 |
| Loan and lease loss provision to assets | -0.0540% | 5,607 |
| Net operating income to assets | 1.2309% | 1,497 |
| Return on assets (ROA) | 1.2311% | 1,530 |
| Pretax return on assets | 1.9627% | 574 |
| Return on Equity (ROE) | 9.2246% | 2,401 |
| Retained earnings to average equity (ytd only) | 0.6316% | 4,941 |
| Net charge-offs to loans | 0.0336% | 2,518 |
| Credit loss provision to net charge-offs | -206.2044% | 4,472 |
| Earnings coverage of net charge-offs (x) | 72.8796% | 820 |
| Efficiency ratio | 49.9938% | 5,307 |
| Assets per employee ($millions) | 11.1726% | 216 |
| Cash dividends to net income (ytd only)* | 93.1532% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5553% | 5,451 |
| Loan loss allowance to noncurrent loans | 104.0277% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 2,966 |
| Noncurrent loans to loans | 0.5338% | 3,161 |
| Net loans and leases to total assets | 77.8375% | 1,267 |
| Net loans and leases to deposits | 92.7538% | 1,391 |
| Net loans and leases to core deposits | 115.5763% | 736 |
| Total domestic deposits to total assets | 83.9184% | 3,230 |
| Equity capital to assets | 13.1156% | 1,318 |
| Core capital (leverage) ratio | 10.2234% | 3,243 |
| Tier 1 risk-based capital ratio | 10.7481% | 5,360 |
| Total risk-based capital ratio | 11.2477% | 5,583 |
| Memoranda: | ||
| Average total assets | $2,092,763,670 | 395 |
| Average earning assets | $1,887,831,330 | 397 |
| Average equity | $279,296,670 | 345 |
| Average total loans | $1,629,737,000 | 371 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,226 |
| Cost of funding earning assets | 0.3281% | 3,769 |
| Net interest margin | 3.6165% | 2,828 |
| Noninterest income to average assets | 0.4967% | 3,006 |
| Noninterest expense to average assets | 1.9516% | 5,148 |
| Loan and lease loss provision to assets | 0.0054% | 3,490 |
| Net operating income to assets | 1.1575% | 1,636 |
| Return on assets (ROA) | 1.1575% | 1,674 |
| Pretax return on assets | 1.8016% | 798 |
| Return on Equity (ROE) | 8.5959% | 2,617 |
| Retained earnings to average equity (ytd only) | -1.4662% | 5,124 |
| Net charge-offs to loans | -0.0137% | 4,551 |
| Credit loss provision to net charge-offs | -50.9091% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3157% | 5,302 |
| Assets per employee ($millions) | 11.5443% | 190 |
| Cash dividends to net income (ytd only)* | 117.0569% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6318% | 5,428 |
| Loan loss allowance to noncurrent loans | 73.8363% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 2,252 |
| Noncurrent loans to loans | 0.8557% | 2,321 |
| Net loans and leases to total assets | 77.9907% | 1,138 |
| Net loans and leases to deposits | 92.2531% | 1,303 |
| Net loans and leases to core deposits | 113.2123% | 716 |
| Total domestic deposits to total assets | 84.5399% | 3,283 |
| Equity capital to assets | 13.4569% | 1,082 |
| Core capital (leverage) ratio | 10.2635% | 3,172 |
| Tier 1 risk-based capital ratio | 10.9109% | 5,355 |
| Total risk-based capital ratio | 11.4741% | 5,586 |
| Memoranda: | ||
| Average total assets | $2,066,580,500 | 400 |
| Average earning assets | $1,864,034,000 | 405 |
| Average equity | $278,272,000 | 345 |
| Average total loans | $1,605,085,500 | 376 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 2,874 |
| Cost of funding earning assets | 0.3292% | 3,757 |
| Net interest margin | 3.7649% | 2,451 |
| Noninterest income to average assets | 0.5945% | 2,694 |
| Noninterest expense to average assets | 2.0435% | 5,105 |
| Loan and lease loss provision to assets | 0.0320% | 3,714 |
| Net operating income to assets | 1.1185% | 1,826 |
| Return on assets (ROA) | 1.1471% | 1,797 |
| Pretax return on assets | 1.8479% | 694 |
| Return on Equity (ROE) | 8.4050% | 2,741 |
| Retained earnings to average equity (ytd only) | 4.0041% | 3,070 |
| Net charge-offs to loans | -0.0476% | 5,383 |
| Credit loss provision to net charge-offs | -87.5513% | 4,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7769% | 5,398 |
| Assets per employee ($millions) | 11.1715% | 215 |
| Cash dividends to net income (ytd only)* | 52.3606% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6399% | 5,467 |
| Loan loss allowance to noncurrent loans | 73.5935% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 2,290 |
| Noncurrent loans to loans | 0.8695% | 2,361 |
| Net loans and leases to total assets | 76.3591% | 1,462 |
| Net loans and leases to deposits | 90.6050% | 1,620 |
| Net loans and leases to core deposits | 109.3100% | 941 |
| Total domestic deposits to total assets | 84.2769% | 3,329 |
| Equity capital to assets | 13.4738% | 1,060 |
| Core capital (leverage) ratio | 10.0670% | 3,406 |
| Tier 1 risk-based capital ratio | 11.1572% | 5,250 |
| Total risk-based capital ratio | 11.7252% | 5,518 |
| Memoranda: | ||
| Average total assets | $1,997,907,800 | 394 |
| Average earning assets | $1,742,881,000 | 410 |
| Average equity | $272,672,200 | 338 |
| Average total loans | $1,535,966,000 | 369 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 2,739 |
| Cost of funding earning assets | 0.3237% | 3,828 |
| Net interest margin | 3.8123% | 2,286 |
| Noninterest income to average assets | 0.5978% | 2,675 |
| Noninterest expense to average assets | 2.0693% | 5,067 |
| Loan and lease loss provision to assets | 0.0819% | 2,567 |
| Net operating income to assets | 1.0894% | 2,047 |
| Return on assets (ROA) | 1.1188% | 2,028 |
| Pretax return on assets | 1.7910% | 914 |
| Return on Equity (ROE) | 8.1702% | 2,924 |
| Retained earnings to average equity (ytd only) | 3.7459% | 3,641 |
| Net charge-offs to loans | 0.0467% | 2,710 |
| Credit loss provision to net charge-offs | 228.1426% | 1,296 |
| Earnings coverage of net charge-offs (x) | 50.9192% | 1,058 |
| Efficiency ratio | 52.1052% | 5,377 |
| Assets per employee ($millions) | 11.5090% | 192 |
| Cash dividends to net income (ytd only)* | 54.1516% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5907% | 5,621 |
| Loan loss allowance to noncurrent loans | 39.7141% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 1,588 |
| Noncurrent loans to loans | 1.4873% | 1,447 |
| Net loans and leases to total assets | 76.9753% | 1,368 |
| Net loans and leases to deposits | 92.4043% | 1,442 |
| Net loans and leases to core deposits | 112.2622% | 795 |
| Total domestic deposits to total assets | 83.3027% | 3,481 |
| Equity capital to assets | 13.4413% | 1,274 |
| Core capital (leverage) ratio | 10.0210% | 3,545 |
| Tier 1 risk-based capital ratio | 10.8371% | 5,463 |
| Total risk-based capital ratio | 11.3607% | 5,702 |
| Memoranda: | ||
| Average total assets | $1,980,701,000 | 395 |
| Average earning assets | $1,713,701,250 | 416 |
| Average equity | $271,223,250 | 340 |
| Average total loans | $1,522,881,500 | 368 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 2,629 |
| Cost of funding earning assets | 0.3184% | 3,916 |
| Net interest margin | 3.8439% | 2,159 |
| Noninterest income to average assets | 0.5946% | 2,648 |
| Noninterest expense to average assets | 2.1002% | 5,059 |
| Loan and lease loss provision to assets | 0.0701% | 2,736 |
| Net operating income to assets | 1.0737% | 2,075 |
| Return on assets (ROA) | 1.1014% | 2,079 |
| Pretax return on assets | 1.7520% | 976 |
| Return on Equity (ROE) | 7.9914% | 2,975 |
| Retained earnings to average equity (ytd only) | 1.2953% | 4,871 |
| Net charge-offs to loans | 0.0654% | 2,258 |
| Credit loss provision to net charge-offs | 139.8773% | 1,686 |
| Earnings coverage of net charge-offs (x) | 35.4724% | 1,252 |
| Efficiency ratio | 52.9384% | 5,390 |
| Assets per employee ($millions) | 10.0646% | 277 |
| Cash dividends to net income (ytd only)* | 83.7911% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5894% | 5,700 |
| Loan loss allowance to noncurrent loans | 32.1344% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 1,236 |
| Noncurrent loans to loans | 1.8341% | 1,116 |
| Net loans and leases to total assets | 75.3135% | 1,590 |
| Net loans and leases to deposits | 91.0105% | 1,630 |
| Net loans and leases to core deposits | 109.5285% | 954 |
| Total domestic deposits to total assets | 82.7526% | 3,742 |
| Equity capital to assets | 13.5274% | 1,227 |
| Core capital (leverage) ratio | 10.2486% | 3,273 |
| Tier 1 risk-based capital ratio | 11.0077% | 5,419 |
| Total risk-based capital ratio | 11.5280% | 5,686 |
| Memoranda: | ||
| Average total assets | $1,950,397,670 | 402 |
| Average earning assets | $1,666,447,330 | 424 |
| Average equity | $268,813,670 | 341 |
| Average total loans | $1,495,807,670 | 372 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 2,697 |
| Cost of funding earning assets | 0.3163% | 3,992 |
| Net interest margin | 3.8214% | 2,214 |
| Noninterest income to average assets | 0.4869% | 3,216 |
| Noninterest expense to average assets | 2.1889% | 4,925 |
| Loan and lease loss provision to assets | 0.0755% | 2,449 |
| Net operating income to assets | 0.9451% | 2,533 |
| Return on assets (ROA) | 0.9871% | 2,451 |
| Pretax return on assets | 1.5890% | 1,327 |
| Return on Equity (ROE) | 7.0932% | 3,406 |
| Retained earnings to average equity (ytd only) | -6.3863% | 5,688 |
| Net charge-offs to loans | 0.0940% | 1,573 |
| Credit loss provision to net charge-offs | 104.0230% | 1,573 |
| Earnings coverage of net charge-offs (x) | 22.0431% | 1,418 |
| Efficiency ratio | 56.4299% | 5,157 |
| Assets per employee ($millions) | 10.2486% | 253 |
| Cash dividends to net income (ytd only)* | 190.0338% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5827% | 5,768 |
| Loan loss allowance to noncurrent loans | 34.3286% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 1.5215% | 1,331 |
| Noncurrent loans to loans | 1.6973% | 1,333 |
| Net loans and leases to total assets | 77.1725% | 1,225 |
| Net loans and leases to deposits | 93.8124% | 1,165 |
| Net loans and leases to core deposits | 114.1353% | 666 |
| Total domestic deposits to total assets | 82.2625% | 4,125 |
| Equity capital to assets | 13.6468% | 1,117 |
| Core capital (leverage) ratio | 10.1439% | 3,375 |
| Tier 1 risk-based capital ratio | 10.8089% | 5,593 |
| Total risk-based capital ratio | 11.3213% | 5,833 |
| Memoranda: | ||
| Average total assets | $1,919,137,500 | 405 |
| Average earning assets | $1,657,721,500 | 424 |
| Average equity | $267,072,500 | 340 |
| Average total loans | $1,481,218,000 | 373 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,318 |
| Cost of funding earning assets | 0.3345% | 3,852 |
| Net interest margin | 3.6631% | 2,892 |
| Noninterest income to average assets | 0.6355% | 2,534 |
| Noninterest expense to average assets | 2.5997% | 3,921 |
| Loan and lease loss provision to assets | 0.2235% | 916 |
| Net operating income to assets | 0.6466% | 4,053 |
| Return on assets (ROA) | 0.6482% | 4,144 |
| Pretax return on assets | 1.0394% | 3,309 |
| Return on Equity (ROE) | 4.9261% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.9261% | 2,471 |
| Net charge-offs to loans | 0.2010% | 1,452 |
| Credit loss provision to net charge-offs | 154.3956% | 1,729 |
| Earnings coverage of net charge-offs (x) | 8.7072% | 2,915 |
| Efficiency ratio | 65.9754% | 3,909 |
| Assets per employee ($millions) | 8.9623% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6076% | 5,788 |
| Loan loss allowance to noncurrent loans | 37.4926% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 1,481 |
| Noncurrent loans to loans | 1.6206% | 1,412 |
| Net loans and leases to total assets | 76.2588% | 1,372 |
| Net loans and leases to deposits | 93.2571% | 1,282 |
| Net loans and leases to core deposits | 112.8697% | 730 |
| Total domestic deposits to total assets | 81.7726% | 4,232 |
| Equity capital to assets | 14.1938% | 868 |
| Core capital (leverage) ratio | 9.8716% | 3,686 |
| Tier 1 risk-based capital ratio | 11.5983% | 5,192 |
| Total risk-based capital ratio | 12.1361% | 5,494 |
| Memoranda: | ||
| Average total assets | $1,760,185,400 | 414 |
| Average earning assets | $1,549,482,400 | 427 |
| Average equity | $231,623,600 | 371 |
| Average total loans | $1,267,522,200 | 398 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,821 |
| Cost of funding earning assets | 0.3343% | 3,929 |
| Net interest margin | 3.5433% | 3,370 |
| Noninterest income to average assets | 0.6043% | 2,715 |
| Noninterest expense to average assets | 2.5008% | 4,189 |
| Loan and lease loss provision to assets | 0.1993% | 1,009 |
| Net operating income to assets | 0.6194% | 4,290 |
| Return on assets (ROA) | 0.6215% | 4,386 |
| Pretax return on assets | 1.0207% | 3,536 |
| Return on Equity (ROE) | 4.8272% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.8272% | 3,032 |
| Net charge-offs to loans | 0.2283% | 1,146 |
| Credit loss provision to net charge-offs | 123.4226% | 1,941 |
| Earnings coverage of net charge-offs (x) | 7.5354% | 2,902 |
| Efficiency ratio | 65.9981% | 3,893 |
| Assets per employee ($millions) | 8.1822% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5732% | 5,933 |
| Loan loss allowance to noncurrent loans | 51.5556% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 2,468 |
| Noncurrent loans to loans | 1.1117% | 2,276 |
| Net loans and leases to total assets | 65.8567% | 3,039 |
| Net loans and leases to deposits | 78.2929% | 3,069 |
| Net loans and leases to core deposits | 92.6883% | 2,199 |
| Total domestic deposits to total assets | 84.1158% | 3,377 |
| Equity capital to assets | 12.7497% | 1,587 |
| Core capital (leverage) ratio | 9.7143% | 4,015 |
| Tier 1 risk-based capital ratio | 11.4559% | 5,398 |
| Total risk-based capital ratio | 11.9442% | 5,734 |
| Memoranda: | ||
| Average total assets | $1,727,471,250 | 427 |
| Average earning assets | $1,517,797,750 | 437 |
| Average equity | $222,427,000 | 389 |
| Average total loans | $1,221,677,500 | 413 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 3,944 |
| Cost of funding earning assets | 0.3415% | 3,902 |
| Net interest margin | 3.4914% | 3,533 |
| Noninterest income to average assets | 0.5846% | 2,825 |
| Noninterest expense to average assets | 2.4875% | 4,281 |
| Loan and lease loss provision to assets | 0.0777% | 2,569 |
| Net operating income to assets | 0.6670% | 4,048 |
| Return on assets (ROA) | 0.6692% | 4,143 |
| Pretax return on assets | 1.0889% | 3,222 |
| Return on Equity (ROE) | 5.1756% | 4,534 |
| Retained earnings to average equity (ytd only) | 5.1756% | 2,744 |
| Net charge-offs to loans | 0.2208% | 1,159 |
| Credit loss provision to net charge-offs | 48.4496% | 2,721 |
| Earnings coverage of net charge-offs (x) | 7.2488% | 2,689 |
| Efficiency ratio | 67.3572% | 3,780 |
| Assets per employee ($millions) | 8.8808% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 5,965 |
| Loan loss allowance to noncurrent loans | 81.9249% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 3,325 |
| Noncurrent loans to loans | 0.7407% | 3,258 |
| Net loans and leases to total assets | 68.9569% | 2,492 |
| Net loans and leases to deposits | 82.2876% | 2,519 |
| Net loans and leases to core deposits | 98.2301% | 1,634 |
| Total domestic deposits to total assets | 83.7998% | 3,650 |
| Equity capital to assets | 13.0205% | 1,394 |
| Core capital (leverage) ratio | 10.0125% | 3,577 |
| Tier 1 risk-based capital ratio | 11.5460% | 5,434 |
| Total risk-based capital ratio | 12.2154% | 5,644 |
| Memoranda: | ||
| Average total assets | $1,607,806,330 | 450 |
| Average earning assets | $1,411,909,000 | 464 |
| Average equity | $207,896,670 | 406 |
| Average total loans | $1,168,237,000 | 428 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 3,620 |
| Cost of funding earning assets | 0.3578% | 3,774 |
| Net interest margin | 3.5407% | 3,260 |
| Noninterest income to average assets | 0.5731% | 2,816 |
| Noninterest expense to average assets | 2.5649% | 4,049 |
| Loan and lease loss provision to assets | -0.0271% | 6,125 |
| Net operating income to assets | 0.6806% | 3,889 |
| Return on assets (ROA) | 0.6846% | 4,004 |
| Pretax return on assets | 1.1139% | 3,023 |
| Return on Equity (ROE) | 5.3128% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.3128% | 2,880 |
| Net charge-offs to loans | -0.0047% | 4,482 |
| Credit loss provision to net charge-offs | 778.5714% | 396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5735% | 3,561 |
| Assets per employee ($millions) | 9.0897% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6144% | 6,044 |
| Loan loss allowance to noncurrent loans | 79.8694% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7680% | 3,190 |
| Noncurrent loans to loans | 0.7693% | 3,331 |
| Net loans and leases to total assets | 74.2120% | 1,468 |
| Net loans and leases to deposits | 88.9139% | 1,516 |
| Net loans and leases to core deposits | 107.6291% | 839 |
| Total domestic deposits to total assets | 83.4650% | 4,017 |
| Equity capital to assets | 13.0868% | 1,351 |
| Core capital (leverage) ratio | 9.7823% | 3,913 |
| Tier 1 risk-based capital ratio | 10.6341% | 5,968 |
| Total risk-based capital ratio | 11.3035% | 6,110 |
| Memoranda: | ||
| Average total assets | $1,607,993,000 | 450 |
| Average earning assets | $1,395,313,500 | 467 |
| Average equity | $207,197,000 | 406 |
| Average total loans | $1,194,754,000 | 419 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 3,246 |
| Cost of funding earning assets | 0.3875% | 3,826 |
| Net interest margin | 3.7320% | 2,871 |
| Noninterest income to average assets | 0.4917% | 3,573 |
| Noninterest expense to average assets | 2.1789% | 5,389 |
| Loan and lease loss provision to assets | 0.0815% | 2,852 |
| Net operating income to assets | 0.9282% | 2,736 |
| Return on assets (ROA) | 0.9251% | 2,844 |
| Pretax return on assets | 1.5005% | 1,541 |
| Return on Equity (ROE) | 7.2351% | 3,498 |
| Retained earnings to average equity (ytd only) | 0.1510% | 5,706 |
| Net charge-offs to loans | 0.1546% | 2,490 |
| Credit loss provision to net charge-offs | 72.3640% | 3,016 |
| Earnings coverage of net charge-offs (x) | 14.0949% | 2,194 |
| Efficiency ratio | 57.1038% | 5,554 |
| Assets per employee ($millions) | 9.1829% | 314 |
| Cash dividends to net income (ytd only)* | 97.9134% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6231% | 6,112 |
| Loan loss allowance to noncurrent loans | 93.6368% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 3,463 |
| Noncurrent loans to loans | 0.6655% | 3,685 |
| Net loans and leases to total assets | 73.4741% | 1,672 |
| Net loans and leases to deposits | 90.1807% | 1,501 |
| Net loans and leases to core deposits | 111.2112% | 724 |
| Total domestic deposits to total assets | 81.4743% | 4,604 |
| Equity capital to assets | 12.6861% | 1,549 |
| Core capital (leverage) ratio | 9.6870% | 3,988 |
| Tier 1 risk-based capital ratio | 10.7239% | 6,019 |
| Total risk-based capital ratio | 11.4208% | 6,159 |
| Memoranda: | ||
| Average total assets | $1,600,739,600 | 438 |
| Average earning assets | $1,404,258,200 | 451 |
| Average equity | $204,681,600 | 395 |
| Average total loans | $1,165,705,000 | 406 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 3,415 |
| Cost of funding earning assets | 0.3895% | 3,905 |
| Net interest margin | 3.7021% | 3,018 |
| Noninterest income to average assets | 0.4608% | 3,811 |
| Noninterest expense to average assets | 2.1845% | 5,384 |
| Loan and lease loss provision to assets | 0.1042% | 2,302 |
| Net operating income to assets | 0.8800% | 3,020 |
| Return on assets (ROA) | 0.8754% | 3,138 |
| Pretax return on assets | 1.4185% | 1,937 |
| Return on Equity (ROE) | 6.8322% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.2480% | 4,314 |
| Net charge-offs to loans | 0.2033% | 1,848 |
| Credit loss provision to net charge-offs | 70.6682% | 2,760 |
| Earnings coverage of net charge-offs (x) | 10.3760% | 2,550 |
| Efficiency ratio | 58.0404% | 5,438 |
| Assets per employee ($millions) | 8.8452% | 360 |
| Cash dividends to net income (ytd only)* | 52.4609% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6578% | 6,158 |
| Loan loss allowance to noncurrent loans | 102.1790% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 3,760 |
| Noncurrent loans to loans | 0.6438% | 4,004 |
| Net loans and leases to total assets | 72.3306% | 1,794 |
| Net loans and leases to deposits | 87.7643% | 1,701 |
| Net loans and leases to core deposits | 109.4459% | 770 |
| Total domestic deposits to total assets | 82.4145% | 4,330 |
| Equity capital to assets | 13.3890% | 1,238 |
| Core capital (leverage) ratio | 9.6542% | 4,146 |
| Tier 1 risk-based capital ratio | 11.3631% | 5,851 |
| Total risk-based capital ratio | 11.9448% | 6,086 |
| Memoranda: | ||
| Average total assets | $1,596,875,000 | 438 |
| Average earning assets | $1,403,442,750 | 446 |
| Average equity | $204,593,750 | 391 |
| Average total loans | $1,158,398,000 | 402 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 3,659 |
| Cost of funding earning assets | 0.3919% | 3,966 |
| Net interest margin | 3.6262% | 3,254 |
| Noninterest income to average assets | 0.4391% | 3,952 |
| Noninterest expense to average assets | 2.1619% | 5,500 |
| Loan and lease loss provision to assets | 0.1713% | 1,436 |
| Net operating income to assets | 0.8062% | 3,293 |
| Return on assets (ROA) | 0.8080% | 3,389 |
| Pretax return on assets | 1.3061% | 2,232 |
| Return on Equity (ROE) | 6.3990% | 3,941 |
| Retained earnings to average equity (ytd only) | 3.9397% | 3,674 |
| Net charge-offs to loans | 0.1570% | 2,135 |
| Credit loss provision to net charge-offs | 150.5459% | 1,445 |
| Earnings coverage of net charge-offs (x) | 12.9618% | 2,016 |
| Efficiency ratio | 58.6700% | 5,472 |
| Assets per employee ($millions) | 8.7244% | 366 |
| Cash dividends to net income (ytd only)* | 38.4320% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7182% | 6,142 |
| Loan loss allowance to noncurrent loans | 104.7542% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 3,830 |
| Noncurrent loans to loans | 0.6856% | 4,002 |
| Net loans and leases to total assets | 72.6690% | 1,624 |
| Net loans and leases to deposits | 88.1573% | 1,577 |
| Net loans and leases to core deposits | 113.0042% | 570 |
| Total domestic deposits to total assets | 82.4311% | 4,495 |
| Equity capital to assets | 12.9038% | 1,422 |
| Core capital (leverage) ratio | 9.5993% | 4,180 |
| Tier 1 risk-based capital ratio | 10.8452% | 6,113 |
| Total risk-based capital ratio | 11.7755% | 6,187 |
| Memoranda: | ||
| Average total assets | $1,610,247,330 | 439 |
| Average earning assets | $1,419,894,330 | 441 |
| Average equity | $203,313,330 | 391 |
| Average total loans | $1,166,708,000 | 396 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 3,990 |
| Cost of funding earning assets | 0.3944% | 4,041 |
| Net interest margin | 3.5311% | 3,567 |
| Noninterest income to average assets | 0.4221% | 4,012 |
| Noninterest expense to average assets | 2.2357% | 5,365 |
| Loan and lease loss provision to assets | 0.0449% | 3,204 |
| Net operating income to assets | 0.7928% | 3,188 |
| Return on assets (ROA) | 0.7939% | 3,259 |
| Pretax return on assets | 1.2811% | 2,170 |
| Return on Equity (ROE) | 6.3575% | 3,825 |
| Retained earnings to average equity (ytd only) | 1.3923% | 5,056 |
| Net charge-offs to loans | 0.2040% | 1,525 |
| Credit loss provision to net charge-offs | 30.5228% | 2,391 |
| Earnings coverage of net charge-offs (x) | 9.0034% | 1,973 |
| Efficiency ratio | 62.0219% | 5,115 |
| Assets per employee ($millions) | 9.3456% | 305 |
| Cash dividends to net income (ytd only)* | 78.1006% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 6,366 |
| Loan loss allowance to noncurrent loans | 88.1393% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 3,950 |
| Noncurrent loans to loans | 0.7178% | 4,076 |
| Net loans and leases to total assets | 73.9196% | 1,281 |
| Net loans and leases to deposits | 92.4379% | 919 |
| Net loans and leases to core deposits | 113.2831% | 483 |
| Total domestic deposits to total assets | 79.9668% | 5,488 |
| Equity capital to assets | 12.5858% | 1,532 |
| Core capital (leverage) ratio | 9.3221% | 4,538 |
| Tier 1 risk-based capital ratio | 10.3805% | 6,371 |
| Total risk-based capital ratio | 11.2256% | 6,456 |
| Memoranda: | ||
| Average total assets | $1,612,724,500 | 438 |
| Average earning assets | $1,433,083,500 | 438 |
| Average equity | $201,398,500 | 395 |
| Average total loans | $1,162,567,000 | 392 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 5,256 |
| Cost of funding earning assets | 0.4279% | 4,342 |
| Net interest margin | 3.2292% | 4,896 |
| Noninterest income to average assets | 0.4458% | 4,118 |
| Noninterest expense to average assets | 1.9938% | 6,037 |
| Loan and lease loss provision to assets | 0.4346% | 674 |
| Net operating income to assets | 0.5714% | 4,406 |
| Return on assets (ROA) | 0.5714% | 4,511 |
| Pretax return on assets | 0.9144% | 3,704 |
| Return on Equity (ROE) | 4.6374% | 4,819 |
| Retained earnings to average equity (ytd only) | -0.8518% | 6,039 |
| Net charge-offs to loans | 0.7248% | 892 |
| Credit loss provision to net charge-offs | 85.3502% | 2,889 |
| Earnings coverage of net charge-offs (x) | 2.6492% | 4,109 |
| Efficiency ratio | 58.8679% | 5,625 |
| Assets per employee ($millions) | 8.9889% | 333 |
| Cash dividends to net income (ytd only)* | 118.3687% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 6,340 |
| Loan loss allowance to noncurrent loans | 77.8721% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 0.8226% | 3,831 |
| Noncurrent loans to loans | 0.9072% | 3,716 |
| Net loans and leases to total assets | 69.3061% | 2,123 |
| Net loans and leases to deposits | 88.3680% | 1,426 |
| Net loans and leases to core deposits | 108.4817% | 672 |
| Total domestic deposits to total assets | 78.4289% | 5,755 |
| Equity capital to assets | 12.3910% | 1,571 |
| Core capital (leverage) ratio | 9.5089% | 4,246 |
| Tier 1 risk-based capital ratio | 10.7524% | 6,282 |
| Total risk-based capital ratio | 11.3542% | 6,450 |
| Memoranda: | ||
| Average total assets | $1,626,220,400 | 427 |
| Average earning assets | $1,458,863,000 | 423 |
| Average equity | $200,391,000 | 387 |
| Average total loans | $1,142,428,400 | 386 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 5,298 |
| Cost of funding earning assets | 0.4365% | 4,430 |
| Net interest margin | 3.2142% | 4,952 |
| Noninterest income to average assets | 0.4120% | 4,437 |
| Noninterest expense to average assets | 2.0297% | 5,960 |
| Loan and lease loss provision to assets | 0.5362% | 496 |
| Net operating income to assets | 0.4603% | 4,976 |
| Return on assets (ROA) | 0.4604% | 5,121 |
| Pretax return on assets | 0.7284% | 4,585 |
| Return on Equity (ROE) | 3.7417% | 5,337 |
| Retained earnings to average equity (ytd only) | -3.5780% | 6,403 |
| Net charge-offs to loans | 0.6355% | 970 |
| Credit loss provision to net charge-offs | 119.9048% | 1,969 |
| Earnings coverage of net charge-offs (x) | 2.8277% | 3,892 |
| Efficiency ratio | 60.8193% | 5,306 |
| Assets per employee ($millions) | 8.8382% | 329 |
| Cash dividends to net income (ytd only)* | 195.6250% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 6,103 |
| Loan loss allowance to noncurrent loans | 53.3205% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.4230% | 2,821 |
| Noncurrent loans to loans | 1.6536% | 2,703 |
| Net loans and leases to total assets | 73.0817% | 1,435 |
| Net loans and leases to deposits | 90.8223% | 1,080 |
| Net loans and leases to core deposits | 115.4435% | 413 |
| Total domestic deposits to total assets | 80.4667% | 5,369 |
| Equity capital to assets | 12.5565% | 1,551 |
| Core capital (leverage) ratio | 9.4070% | 4,522 |
| Tier 1 risk-based capital ratio | 10.5102% | 6,447 |
| Total risk-based capital ratio | 11.2841% | 6,554 |
| Memoranda: | ||
| Average total assets | $1,628,273,000 | 423 |
| Average earning assets | $1,460,046,750 | 426 |
| Average equity | $200,366,750 | 384 |
| Average total loans | $1,145,696,250 | 388 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 5,545 |
| Cost of funding earning assets | 0.4490% | 4,440 |
| Net interest margin | 3.1157% | 5,230 |
| Noninterest income to average assets | 0.4098% | 4,453 |
| Noninterest expense to average assets | 2.0239% | 6,005 |
| Loan and lease loss provision to assets | 0.5524% | 476 |
| Net operating income to assets | 0.4018% | 5,213 |
| Return on assets (ROA) | 0.4018% | 5,376 |
| Pretax return on assets | 0.6298% | 4,912 |
| Return on Equity (ROE) | 3.2866% | 5,505 |
| Retained earnings to average equity (ytd only) | -7.6620% | 6,598 |
| Net charge-offs to loans | 0.5144% | 1,276 |
| Credit loss provision to net charge-offs | 155.0017% | 1,487 |
| Earnings coverage of net charge-offs (x) | 3.3172% | 3,429 |
| Efficiency ratio | 62.3098% | 5,126 |
| Assets per employee ($millions) | 8.6289% | 353 |
| Cash dividends to net income (ytd only)* | 333.1314% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 6,052 |
| Loan loss allowance to noncurrent loans | 57.6810% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 1.3461% | 3,081 |
| Noncurrent loans to loans | 1.6128% | 2,892 |
| Net loans and leases to total assets | 72.9032% | 1,422 |
| Net loans and leases to deposits | 91.2154% | 1,033 |
| Net loans and leases to core deposits | 115.4718% | 405 |
| Total domestic deposits to total assets | 79.9243% | 5,618 |
| Equity capital to assets | 12.4279% | 1,621 |
| Core capital (leverage) ratio | 9.2465% | 4,628 |
| Tier 1 risk-based capital ratio | 10.5442% | 6,486 |
| Total risk-based capital ratio | 11.3746% | 6,580 |
| Memoranda: | ||
| Average total assets | $1,643,687,670 | 419 |
| Average earning assets | $1,475,193,670 | 424 |
| Average equity | $200,940,000 | 381 |
| Average total loans | $1,138,775,330 | 387 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4802% | 5,756 |
| Cost of funding earning assets | 0.4535% | 4,555 |
| Net interest margin | 3.0267% | 5,500 |
| Noninterest income to average assets | 0.4408% | 4,178 |
| Noninterest expense to average assets | 2.0139% | 6,074 |
| Loan and lease loss provision to assets | 0.3420% | 972 |
| Net operating income to assets | 0.5031% | 4,643 |
| Return on assets (ROA) | 0.5031% | 4,793 |
| Pretax return on assets | 0.7993% | 4,170 |
| Return on Equity (ROE) | 4.1479% | 5,016 |
| Retained earnings to average equity (ytd only) | -17.4965% | 6,803 |
| Net charge-offs to loans | 0.0351% | 3,533 |
| Credit loss provision to net charge-offs | 1,447.4747% | 225 |
| Earnings coverage of net charge-offs (x) | 48.3030% | 689 |
| Efficiency ratio | 62.9955% | 5,156 |
| Assets per employee ($millions) | 9.1325% | 301 |
| Cash dividends to net income (ytd only)* | 521.8216% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 6,182 |
| Loan loss allowance to noncurrent loans | 48.2545% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 1.5084% | 2,991 |
| Noncurrent loans to loans | 1.9287% | 2,702 |
| Net loans and leases to total assets | 70.5602% | 1,570 |
| Net loans and leases to deposits | 88.7955% | 1,071 |
| Net loans and leases to core deposits | 109.4420% | 510 |
| Total domestic deposits to total assets | 79.4637% | 5,882 |
| Equity capital to assets | 12.4972% | 1,714 |
| Core capital (leverage) ratio | 8.7521% | 5,255 |
| Tier 1 risk-based capital ratio | 10.7293% | 6,510 |
| Total risk-based capital ratio | 11.5623% | 6,621 |
| Memoranda: | ||
| Average total assets | $1,675,984,000 | 419 |
| Average earning assets | $1,503,038,500 | 418 |
| Average equity | $203,286,000 | 382 |
| Average total loans | $1,127,152,500 | 395 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 4,880 |
| Cost of funding earning assets | 0.6355% | 4,047 |
| Net interest margin | 3.4854% | 4,557 |
| Noninterest income to average assets | 0.3597% | 4,907 |
| Noninterest expense to average assets | 2.0848% | 6,157 |
| Loan and lease loss provision to assets | 0.3092% | 2,208 |
| Net operating income to assets | 0.6208% | 4,141 |
| Return on assets (ROA) | 0.6506% | 4,250 |
| Pretax return on assets | 1.0411% | 3,397 |
| Return on Equity (ROE) | 5.2011% | 4,594 |
| Retained earnings to average equity (ytd only) | 5.2011% | 2,577 |
| Net charge-offs to loans | 0.5148% | 2,185 |
| Credit loss provision to net charge-offs | 86.4178% | 3,608 |
| Earnings coverage of net charge-offs (x) | 3.6444% | 3,644 |
| Efficiency ratio | 60.7082% | 5,426 |
| Assets per employee ($millions) | 7.8005% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 6,449 |
| Loan loss allowance to noncurrent loans | 56.2940% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 3,876 |
| Noncurrent loans to loans | 1.4557% | 3,413 |
| Net loans and leases to total assets | 63.1531% | 3,025 |
| Net loans and leases to deposits | 78.0112% | 2,528 |
| Net loans and leases to core deposits | 93.8025% | 1,481 |
| Total domestic deposits to total assets | 80.9539% | 5,420 |
| Equity capital to assets | 11.7977% | 2,186 |
| Core capital (leverage) ratio | 8.7328% | 5,276 |
| Tier 1 risk-based capital ratio | 11.4619% | 6,130 |
| Total risk-based capital ratio | 12.1949% | 6,333 |
| Memoranda: | ||
| Average total assets | $1,617,584,800 | 421 |
| Average earning assets | $1,405,690,800 | 432 |
| Average equity | $202,341,200 | 372 |
| Average total loans | $1,124,049,800 | 388 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 4,635 |
| Cost of funding earning assets | 0.6818% | 3,928 |
| Net interest margin | 3.5710% | 4,350 |
| Noninterest income to average assets | 0.3033% | 5,358 |
| Noninterest expense to average assets | 2.0552% | 6,258 |
| Loan and lease loss provision to assets | 0.4186% | 1,527 |
| Net operating income to assets | 0.5696% | 4,523 |
| Return on assets (ROA) | 0.5827% | 4,742 |
| Pretax return on assets | 0.9289% | 3,996 |
| Return on Equity (ROE) | 4.5859% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.5859% | 3,676 |
| Net charge-offs to loans | 0.5971% | 1,839 |
| Credit loss provision to net charge-offs | 98.5703% | 3,043 |
| Earnings coverage of net charge-offs (x) | 3.1249% | 3,776 |
| Efficiency ratio | 59.9561% | 5,510 |
| Assets per employee ($millions) | 7.6507% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 6,527 |
| Loan loss allowance to noncurrent loans | 85.0536% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 4,580 |
| Noncurrent loans to loans | 0.9871% | 4,470 |
| Net loans and leases to total assets | 68.6265% | 2,190 |
| Net loans and leases to deposits | 86.4517% | 1,551 |
| Net loans and leases to core deposits | 105.3618% | 776 |
| Total domestic deposits to total assets | 79.3813% | 5,788 |
| Equity capital to assets | 12.0030% | 2,255 |
| Core capital (leverage) ratio | 8.7183% | 5,449 |
| Tier 1 risk-based capital ratio | 10.5611% | 6,646 |
| Total risk-based capital ratio | 11.3090% | 6,761 |
| Memoranda: | ||
| Average total assets | $1,581,252,500 | 430 |
| Average earning assets | $1,363,332,000 | 442 |
| Average equity | $200,930,500 | 373 |
| Average total loans | $1,124,429,000 | 388 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 4,262 |
| Cost of funding earning assets | 0.7164% | 3,888 |
| Net interest margin | 3.6633% | 3,978 |
| Noninterest income to average assets | 0.2585% | 5,724 |
| Noninterest expense to average assets | 2.0229% | 6,387 |
| Loan and lease loss provision to assets | 0.4379% | 1,483 |
| Net operating income to assets | 0.5925% | 4,403 |
| Return on assets (ROA) | 0.6066% | 4,595 |
| Pretax return on assets | 0.9669% | 3,832 |
| Return on Equity (ROE) | 4.6783% | 4,965 |
| Retained earnings to average equity (ytd only) | 4.6783% | 3,501 |
| Net charge-offs to loans | 0.6364% | 1,726 |
| Credit loss provision to net charge-offs | 95.8215% | 2,882 |
| Earnings coverage of net charge-offs (x) | 3.0256% | 3,536 |
| Efficiency ratio | 58.6032% | 5,789 |
| Assets per employee ($millions) | 8.4269% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 6,546 |
| Loan loss allowance to noncurrent loans | 75.9515% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0561% | 4,270 |
| Noncurrent loans to loans | 1.1345% | 4,256 |
| Net loans and leases to total assets | 72.6081% | 1,459 |
| Net loans and leases to deposits | 93.4377% | 817 |
| Net loans and leases to core deposits | 117.5441% | 355 |
| Total domestic deposits to total assets | 77.7075% | 6,213 |
| Equity capital to assets | 12.9904% | 1,527 |
| Core capital (leverage) ratio | 9.5128% | 4,122 |
| Tier 1 risk-based capital ratio | 10.3893% | 6,730 |
| Total risk-based capital ratio | 11.1309% | 6,843 |
| Memoranda: | ||
| Average total assets | $1,539,633,000 | 438 |
| Average earning assets | $1,322,688,670 | 456 |
| Average equity | $199,646,000 | 374 |
| Average total loans | $1,105,653,000 | 394 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 4,198 |
| Cost of funding earning assets | 0.7572% | 3,810 |
| Net interest margin | 3.6730% | 3,947 |
| Noninterest income to average assets | 0.1247% | 6,629 |
| Noninterest expense to average assets | 2.0061% | 6,447 |
| Loan and lease loss provision to assets | 0.6858% | 774 |
| Net operating income to assets | 0.3755% | 5,364 |
| Return on assets (ROA) | 0.3746% | 5,550 |
| Pretax return on assets | 0.5804% | 5,182 |
| Return on Equity (ROE) | 2.8919% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.8919% | 4,807 |
| Net charge-offs to loans | 0.7709% | 1,334 |
| Credit loss provision to net charge-offs | 125.1431% | 1,907 |
| Earnings coverage of net charge-offs (x) | 2.3130% | 3,245 |
| Efficiency ratio | 60.4425% | 5,553 |
| Assets per employee ($millions) | 8.3352% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 6,461 |
| Loan loss allowance to noncurrent loans | 80.6197% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 4,222 |
| Noncurrent loans to loans | 1.1578% | 4,393 |
| Net loans and leases to total assets | 72.3531% | 1,337 |
| Net loans and leases to deposits | 93.9532% | 670 |
| Net loans and leases to core deposits | 118.5545% | 333 |
| Total domestic deposits to total assets | 77.0097% | 6,404 |
| Equity capital to assets | 12.8934% | 1,490 |
| Core capital (leverage) ratio | 9.3294% | 4,319 |
| Tier 1 risk-based capital ratio | 10.5395% | 6,723 |
| Total risk-based capital ratio | 11.6719% | 6,756 |
| Memoranda: | ||
| Average total assets | $1,529,964,500 | 438 |
| Average earning assets | $1,311,632,000 | 457 |
| Average equity | $198,211,000 | 367 |
| Average total loans | $1,087,591,500 | 395 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9043% | 3,330 |
| Cost of funding earning assets | 0.9272% | 3,907 |
| Net interest margin | 3.9771% | 2,996 |
| Noninterest income to average assets | 0.4011% | 4,607 |
| Noninterest expense to average assets | 1.9689% | 6,734 |
| Loan and lease loss provision to assets | 1.3029% | 632 |
| Net operating income to assets | 0.3374% | 5,111 |
| Return on assets (ROA) | 0.3486% | 5,234 |
| Pretax return on assets | 0.5403% | 4,872 |
| Return on Equity (ROE) | 2.6711% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.6711% | 4,333 |
| Net charge-offs to loans | 2.4274% | 489 |
| Credit loss provision to net charge-offs | 76.7474% | 4,612 |
| Earnings coverage of net charge-offs (x) | 1.0756% | 4,980 |
| Efficiency ratio | 51.1388% | 6,768 |
| Assets per employee ($millions) | 8.2050% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 6,391 |
| Loan loss allowance to noncurrent loans | 76.7723% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.2768% | 4,090 |
| Noncurrent loans to loans | 1.2399% | 4,292 |
| Net loans and leases to total assets | 68.4486% | 2,315 |
| Net loans and leases to deposits | 89.6462% | 1,198 |
| Net loans and leases to core deposits | 113.5169% | 520 |
| Total domestic deposits to total assets | 76.3541% | 6,436 |
| Equity capital to assets | 13.0181% | 1,476 |
| Core capital (leverage) ratio | 9.1830% | 4,488 |
| Tier 1 risk-based capital ratio | 11.1324% | 6,386 |
| Total risk-based capital ratio | 12.3174% | 6,401 |
| Memoranda: | ||
| Average total assets | $1,483,282,200 | 451 |
| Average earning assets | $1,265,731,400 | 471 |
| Average equity | $193,550,000 | 364 |
| Average total loans | $1,037,339,000 | 410 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 3,541 |
| Cost of funding earning assets | 0.9493% | 4,054 |
| Net interest margin | 3.9536% | 3,138 |
| Noninterest income to average assets | 0.3245% | 5,272 |
| Noninterest expense to average assets | 1.9847% | 6,721 |
| Loan and lease loss provision to assets | 1.6166% | 402 |
| Net operating income to assets | 0.0941% | 5,974 |
| Return on assets (ROA) | 0.1089% | 6,059 |
| Pretax return on assets | 0.1484% | 6,003 |
| Return on Equity (ROE) | 0.8338% | 6,099 |
| Retained earnings to average equity (ytd only) | 0.8338% | 5,675 |
| Net charge-offs to loans | 2.6655% | 396 |
| Credit loss provision to net charge-offs | 86.4555% | 3,903 |
| Earnings coverage of net charge-offs (x) | 0.9331% | 4,926 |
| Efficiency ratio | 52.4571% | 6,639 |
| Assets per employee ($millions) | 8.3856% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 5,316 |
| Loan loss allowance to noncurrent loans | 81.5243% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.5126% | 3,839 |
| Noncurrent loans to loans | 1.5177% | 4,008 |
| Net loans and leases to total assets | 68.9545% | 2,286 |
| Net loans and leases to deposits | 91.1723% | 1,090 |
| Net loans and leases to core deposits | 116.9471% | 471 |
| Total domestic deposits to total assets | 75.6310% | 6,575 |
| Equity capital to assets | 12.8261% | 1,704 |
| Core capital (leverage) ratio | 9.0277% | 4,884 |
| Tier 1 risk-based capital ratio | 10.8894% | 6,608 |
| Total risk-based capital ratio | 12.5138% | 6,372 |
| Memoranda: | ||
| Average total assets | $1,474,621,250 | 453 |
| Average earning assets | $1,269,971,250 | 476 |
| Average equity | $192,536,250 | 372 |
| Average total loans | $1,034,427,750 | 412 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 4,128 |
| Cost of funding earning assets | 0.9642% | 4,219 |
| Net interest margin | 3.8274% | 3,661 |
| Noninterest income to average assets | 0.2831% | 5,619 |
| Noninterest expense to average assets | 1.9427% | 6,887 |
| Loan and lease loss provision to assets | 1.6525% | 415 |
| Net operating income to assets | 0.0341% | 6,161 |
| Return on assets (ROA) | 0.0562% | 6,183 |
| Pretax return on assets | 0.0675% | 6,155 |
| Return on Equity (ROE) | 0.4277% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.4277% | 5,676 |
| Net charge-offs to loans | 2.5865% | 437 |
| Credit loss provision to net charge-offs | 90.9282% | 3,431 |
| Earnings coverage of net charge-offs (x) | 0.9318% | 4,604 |
| Efficiency ratio | 52.6431% | 6,748 |
| Assets per employee ($millions) | 8.3469% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 4,614 |
| Loan loss allowance to noncurrent loans | 56.2933% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.2197% | 2,954 |
| Noncurrent loans to loans | 2.4729% | 2,914 |
| Net loans and leases to total assets | 68.6143% | 2,494 |
| Net loans and leases to deposits | 89.8344% | 1,293 |
| Net loans and leases to core deposits | 115.0459% | 549 |
| Total domestic deposits to total assets | 76.3787% | 6,540 |
| Equity capital to assets | 12.7702% | 1,638 |
| Core capital (leverage) ratio | 9.3435% | 4,185 |
| Tier 1 risk-based capital ratio | 10.8363% | 6,632 |
| Total risk-based capital ratio | 12.5895% | 6,283 |
| Memoranda: | ||
| Average total assets | $1,463,027,000 | 465 |
| Average earning assets | $1,281,650,330 | 479 |
| Average equity | $192,182,670 | 371 |
| Average total loans | $1,027,956,670 | 422 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 3,816 |
| Cost of funding earning assets | 1.0067% | 4,156 |
| Net interest margin | 3.8439% | 3,397 |
| Noninterest income to average assets | 0.1629% | 6,562 |
| Noninterest expense to average assets | 1.9100% | 6,972 |
| Loan and lease loss provision to assets | 1.4798% | 439 |
| Net operating income to assets | 0.1145% | 6,058 |
| Return on assets (ROA) | 0.1145% | 6,111 |
| Pretax return on assets | 0.1809% | 5,983 |
| Return on Equity (ROE) | 0.8592% | 6,176 |
| Retained earnings to average equity (ytd only) | 0.8592% | 5,484 |
| Net charge-offs to loans | 3.1672% | 336 |
| Credit loss provision to net charge-offs | 66.1613% | 3,433 |
| Earnings coverage of net charge-offs (x) | 0.7425% | 4,079 |
| Efficiency ratio | 52.6738% | 6,812 |
| Assets per employee ($millions) | 7.9541% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 5,050 |
| Loan loss allowance to noncurrent loans | 62.4470% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.0874% | 3,212 |
| Noncurrent loans to loans | 2.1088% | 3,434 |
| Net loans and leases to total assets | 69.4244% | 2,240 |
| Net loans and leases to deposits | 88.9488% | 1,356 |
| Net loans and leases to core deposits | 122.0948% | 378 |
| Total domestic deposits to total assets | 78.0498% | 6,372 |
| Equity capital to assets | 13.5699% | 1,157 |
| Core capital (leverage) ratio | 9.5193% | 3,778 |
| Tier 1 risk-based capital ratio | 11.3499% | 6,212 |
| Total risk-based capital ratio | 13.0610% | 5,847 |
| Memoranda: | ||
| Average total assets | $1,439,143,000 | 480 |
| Average earning assets | $1,275,879,500 | 488 |
| Average equity | $191,808,500 | 368 |
| Average total loans | $1,016,307,000 | 432 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1695% | 3,754 |
| Cost of funding earning assets | 1.4156% | 3,161 |
| Net interest margin | 3.7539% | 4,138 |
| Noninterest income to average assets | 0.3719% | 5,121 |
| Noninterest expense to average assets | 2.0737% | 6,902 |
| Loan and lease loss provision to assets | 0.6836% | 2,409 |
| Net operating income to assets | 0.5935% | 3,700 |
| Return on assets (ROA) | 0.6534% | 3,570 |
| Pretax return on assets | 1.0186% | 2,870 |
| Return on Equity (ROE) | 5.3868% | 3,910 |
| Retained earnings to average equity (ytd only) | 5.3868% | 2,188 |
| Net charge-offs to loans | 0.8176% | 2,593 |
| Credit loss provision to net charge-offs | 116.8743% | 3,667 |
| Earnings coverage of net charge-offs (x) | 2.7504% | 3,704 |
| Efficiency ratio | 55.3736% | 6,669 |
| Assets per employee ($millions) | 7.9051% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 3,868 |
| Loan loss allowance to noncurrent loans | 76.6773% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.8641% | 3,531 |
| Noncurrent loans to loans | 1.9929% | 3,570 |
| Net loans and leases to total assets | 69.7953% | 2,576 |
| Net loans and leases to deposits | 89.0883% | 1,633 |
| Net loans and leases to core deposits | 121.2744% | 496 |
| Total domestic deposits to total assets | 78.3440% | 6,246 |
| Equity capital to assets | 13.0938% | 1,350 |
| Core capital (leverage) ratio | 9.1950% | 4,175 |
| Tier 1 risk-based capital ratio | 10.8886% | 6,421 |
| Total risk-based capital ratio | 12.6486% | 5,987 |
| Memoranda: | ||
| Average total assets | $1,440,824,000 | 468 |
| Average earning assets | $1,270,585,000 | 484 |
| Average equity | $174,760,600 | 398 |
| Average total loans | $1,030,703,600 | 435 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1168% | 4,231 |
| Cost of funding earning assets | 1.4666% | 3,169 |
| Net interest margin | 3.6502% | 4,636 |
| Noninterest income to average assets | 0.3590% | 5,296 |
| Noninterest expense to average assets | 2.0206% | 7,013 |
| Loan and lease loss provision to assets | 0.5763% | 2,629 |
| Net operating income to assets | 0.6218% | 3,786 |
| Return on assets (ROA) | 0.7017% | 3,560 |
| Pretax return on assets | 1.0992% | 2,827 |
| Return on Equity (ROE) | 5.9045% | 3,863 |
| Retained earnings to average equity (ytd only) | 5.9045% | 2,417 |
| Net charge-offs to loans | 0.5655% | 3,057 |
| Credit loss provision to net charge-offs | 142.1306% | 2,778 |
| Earnings coverage of net charge-offs (x) | 3.8245% | 3,288 |
| Efficiency ratio | 55.6076% | 6,613 |
| Assets per employee ($millions) | 8.1881% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 3,757 |
| Loan loss allowance to noncurrent loans | 71.0906% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.9746% | 3,502 |
| Noncurrent loans to loans | 2.1716% | 3,479 |
| Net loans and leases to total assets | 70.7391% | 2,551 |
| Net loans and leases to deposits | 90.3018% | 1,684 |
| Net loans and leases to core deposits | 133.7702% | 328 |
| Total domestic deposits to total assets | 78.3363% | 6,186 |
| Equity capital to assets | 11.9210% | 2,207 |
| Core capital (leverage) ratio | 8.0247% | 6,311 |
| Tier 1 risk-based capital ratio | 9.1407% | 7,337 |
| Total risk-based capital ratio | 12.2085% | 6,402 |
| Memoranda: | ||
| Average total assets | $1,435,417,500 | 465 |
| Average earning assets | $1,263,207,250 | 476 |
| Average equity | $170,578,250 | 398 |
| Average total loans | $1,029,239,000 | 434 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 3,973 |
| Cost of funding earning assets | 1.5039% | 3,238 |
| Net interest margin | 3.6937% | 4,394 |
| Noninterest income to average assets | 0.3697% | 5,184 |
| Noninterest expense to average assets | 2.0317% | 7,048 |
| Loan and lease loss provision to assets | 0.4761% | 2,928 |
| Net operating income to assets | 0.7065% | 3,374 |
| Return on assets (ROA) | 0.7155% | 3,482 |
| Pretax return on assets | 1.1204% | 2,710 |
| Return on Equity (ROE) | 6.0273% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.0273% | 2,315 |
| Net charge-offs to loans | 0.5730% | 2,819 |
| Credit loss provision to net charge-offs | 115.9604% | 3,502 |
| Earnings coverage of net charge-offs (x) | 3.8544% | 3,152 |
| Efficiency ratio | 55.2432% | 6,733 |
| Assets per employee ($millions) | 7.5776% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 4,144 |
| Loan loss allowance to noncurrent loans | 68.6419% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 2.0907% | 3,389 |
| Noncurrent loans to loans | 2.1225% | 3,565 |
| Net loans and leases to total assets | 71.0510% | 2,639 |
| Net loans and leases to deposits | 90.0339% | 1,848 |
| Net loans and leases to core deposits | 129.7993% | 425 |
| Total domestic deposits to total assets | 78.9158% | 6,063 |
| Equity capital to assets | 12.1700% | 1,999 |
| Core capital (leverage) ratio | 8.0610% | 6,180 |
| Tier 1 risk-based capital ratio | 9.1575% | 7,385 |
| Total risk-based capital ratio | 11.1705% | 7,044 |
| Memoranda: | ||
| Average total assets | $1,425,336,330 | 467 |
| Average earning assets | $1,251,984,000 | 478 |
| Average equity | $169,197,330 | 402 |
| Average total loans | $1,021,301,330 | 442 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 4,403 |
| Cost of funding earning assets | 1.5429% | 3,313 |
| Net interest margin | 3.5860% | 4,786 |
| Noninterest income to average assets | 0.3517% | 5,328 |
| Noninterest expense to average assets | 2.0242% | 7,116 |
| Loan and lease loss provision to assets | 0.1282% | 5,294 |
| Net operating income to assets | 0.8587% | 2,713 |
| Return on assets (ROA) | 0.8764% | 2,727 |
| Pretax return on assets | 1.3820% | 1,830 |
| Return on Equity (ROE) | 7.4763% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.4763% | 1,935 |
| Net charge-offs to loans | 0.2605% | 3,372 |
| Credit loss provision to net charge-offs | 68.8722% | 4,126 |
| Earnings coverage of net charge-offs (x) | 7.9669% | 2,009 |
| Efficiency ratio | 56.7268% | 6,665 |
| Assets per employee ($millions) | 7.8896% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 4,450 |
| Loan loss allowance to noncurrent loans | 67.4690% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.0048% | 3,500 |
| Noncurrent loans to loans | 2.0665% | 3,700 |
| Net loans and leases to total assets | 70.7727% | 2,742 |
| Net loans and leases to deposits | 90.0396% | 1,891 |
| Net loans and leases to core deposits | 128.7839% | 520 |
| Total domestic deposits to total assets | 78.6017% | 6,174 |
| Equity capital to assets | 11.9332% | 2,077 |
| Core capital (leverage) ratio | 7.9577% | 6,299 |
| Tier 1 risk-based capital ratio | 9.0061% | 7,472 |
| Total risk-based capital ratio | 11.0130% | 7,171 |
| Memoranda: | ||
| Average total assets | $1,429,495,500 | 481 |
| Average earning assets | $1,257,662,000 | 490 |
| Average equity | $167,570,500 | 411 |
| Average total loans | $1,021,107,000 | 465 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5348% | 3,958 |
| Cost of funding earning assets | 2.1339% | 2,314 |
| Net interest margin | 3.4009% | 5,357 |
| Noninterest income to average assets | 0.2953% | 6,001 |
| Noninterest expense to average assets | 2.4138% | 6,428 |
| Loan and lease loss provision to assets | 1.1570% | 1,975 |
| Net operating income to assets | -0.1727% | 5,803 |
| Return on assets (ROA) | -0.1675% | 5,797 |
| Pretax return on assets | -0.3217% | 5,854 |
| Return on Equity (ROE) | -1.3912% | 5,753 |
| Retained earnings to average equity (ytd only) | -1.3912% | 5,364 |
| Net charge-offs to loans | 1.2621% | 1,958 |
| Credit loss provision to net charge-offs | 128.9173% | 3,993 |
| Earnings coverage of net charge-offs (x) | 0.9215% | 5,193 |
| Efficiency ratio | 73.0521% | 4,083 |
| Assets per employee ($millions) | 8.0383% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 4,182 |
| Loan loss allowance to noncurrent loans | 95.5024% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.5551% | 4,046 |
| Noncurrent loans to loans | 1.4758% | 4,453 |
| Net loans and leases to total assets | 70.0916% | 3,238 |
| Net loans and leases to deposits | 88.3562% | 2,497 |
| Net loans and leases to core deposits | 122.9758% | 1,714 |
| Total domestic deposits to total assets | 79.3285% | 5,893 |
| Equity capital to assets | 11.5142% | 2,309 |
| Core capital (leverage) ratio | 7.4178% | 6,868 |
| Tier 1 risk-based capital ratio | 8.7052% | 7,557 |
| Total risk-based capital ratio | 10.7169% | 7,225 |
| Memoranda: | ||
| Average total assets | $1,385,262,400 | 493 |
| Average earning assets | $1,199,802,000 | 508 |
| Average equity | $166,759,000 | 414 |
| Average total loans | $985,008,200 | 481 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 4,509 |
| Cost of funding earning assets | 2.2400% | 2,234 |
| Net interest margin | 3.2414% | 5,874 |
| Noninterest income to average assets | 0.3247% | 5,885 |
| Noninterest expense to average assets | 2.5633% | 5,842 |
| Loan and lease loss provision to assets | 1.2223% | 1,586 |
| Net operating income to assets | -0.3808% | 6,291 |
| Return on assets (ROA) | -0.3737% | 6,284 |
| Pretax return on assets | -0.6564% | 6,448 |
| Return on Equity (ROE) | -3.0692% | 6,253 |
| Retained earnings to average equity (ytd only) | -3.0692% | 5,949 |
| Net charge-offs to loans | 1.3419% | 1,531 |
| Credit loss provision to net charge-offs | 128.1014% | 3,918 |
| Earnings coverage of net charge-offs (x) | 0.5815% | 5,450 |
| Efficiency ratio | 80.7032% | 2,746 |
| Assets per employee ($millions) | 8.0625% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 4,196 |
| Loan loss allowance to noncurrent loans | 56.8308% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 2.1948% | 3,102 |
| Noncurrent loans to loans | 2.3777% | 3,169 |
| Net loans and leases to total assets | 67.5742% | 4,055 |
| Net loans and leases to deposits | 84.3912% | 3,591 |
| Net loans and leases to core deposits | 120.2146% | 2,222 |
| Total domestic deposits to total assets | 80.0725% | 5,406 |
| Equity capital to assets | 11.1655% | 2,859 |
| Core capital (leverage) ratio | 7.5247% | 6,942 |
| Tier 1 risk-based capital ratio | 8.6217% | 7,718 |
| Total risk-based capital ratio | 10.5872% | 7,456 |
| Memoranda: | ||
| Average total assets | $1,371,862,750 | 511 |
| Average earning assets | $1,182,248,000 | 527 |
| Average equity | $167,030,250 | 421 |
| Average total loans | $975,525,500 | 502 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5021% | 4,616 |
| Cost of funding earning assets | 2.3645% | 2,103 |
| Net interest margin | 3.1376% | 6,135 |
| Noninterest income to average assets | 0.3476% | 5,722 |
| Noninterest expense to average assets | 2.1253% | 7,225 |
| Loan and lease loss provision to assets | 0.4246% | 3,422 |
| Net operating income to assets | 0.3202% | 4,812 |
| Return on assets (ROA) | 0.3318% | 4,870 |
| Pretax return on assets | 0.4897% | 4,657 |
| Return on Equity (ROE) | 2.6450% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.6450% | 3,857 |
| Net charge-offs to loans | 0.3502% | 3,436 |
| Credit loss provision to net charge-offs | 168.2436% | 2,734 |
| Earnings coverage of net charge-offs (x) | 3.5553% | 3,395 |
| Efficiency ratio | 68.7290% | 5,026 |
| Assets per employee ($millions) | 7.4434% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 4,690 |
| Loan loss allowance to noncurrent loans | 45.8292% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 2.7783% | 2,315 |
| Noncurrent loans to loans | 2.6997% | 2,668 |
| Net loans and leases to total assets | 70.1889% | 3,652 |
| Net loans and leases to deposits | 89.5748% | 2,890 |
| Net loans and leases to core deposits | 132.0759% | 1,432 |
| Total domestic deposits to total assets | 78.3578% | 5,984 |
| Equity capital to assets | 12.3215% | 2,018 |
| Core capital (leverage) ratio | 8.3179% | 5,764 |
| Tier 1 risk-based capital ratio | 9.4227% | 7,456 |
| Total risk-based capital ratio | 11.2823% | 6,811 |
| Memoranda: | ||
| Average total assets | $1,340,023,670 | 531 |
| Average earning assets | $1,142,476,670 | 559 |
| Average equity | $168,093,670 | 425 |
| Average total loans | $965,650,000 | 524 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5911% | 4,413 |
| Cost of funding earning assets | 2.4744% | 2,007 |
| Net interest margin | 3.1167% | 6,153 |
| Noninterest income to average assets | 0.4452% | 4,826 |
| Noninterest expense to average assets | 2.0578% | 7,219 |
| Loan and lease loss provision to assets | 0.1655% | 4,812 |
| Net operating income to assets | 0.5499% | 4,216 |
| Return on assets (ROA) | 0.5415% | 4,435 |
| Pretax return on assets | 0.8292% | 3,977 |
| Return on Equity (ROE) | 4.2777% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.2777% | 3,526 |
| Net charge-offs to loans | 0.4604% | 2,293 |
| Credit loss provision to net charge-offs | 49.5495% | 4,696 |
| Earnings coverage of net charge-offs (x) | 3.0162% | 3,300 |
| Efficiency ratio | 65.5474% | 5,418 |
| Assets per employee ($millions) | 7.3047% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 5,788 |
| Loan loss allowance to noncurrent loans | 48.5432% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 2.5341% | 2,265 |
| Noncurrent loans to loans | 2.1721% | 3,019 |
| Net loans and leases to total assets | 71.6534% | 3,311 |
| Net loans and leases to deposits | 92.0722% | 2,590 |
| Net loans and leases to core deposits | 134.3515% | 1,397 |
| Total domestic deposits to total assets | 77.8230% | 6,073 |
| Equity capital to assets | 12.5678% | 1,939 |
| Core capital (leverage) ratio | 8.2922% | 5,917 |
| Tier 1 risk-based capital ratio | 8.9778% | 7,802 |
| Total risk-based capital ratio | 10.6179% | 7,489 |
| Memoranda: | ||
| Average total assets | $1,328,968,000 | 535 |
| Average earning assets | $1,117,348,500 | 573 |
| Average equity | $168,223,000 | 422 |
| Average total loans | $964,453,000 | 528 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9705% | 5,701 |
| Cost of funding earning assets | 2.9684% | 1,992 |
| Net interest margin | 3.0022% | 6,913 |
| Noninterest income to average assets | 0.6670% | 3,359 |
| Noninterest expense to average assets | 2.0546% | 7,335 |
| Loan and lease loss provision to assets | 1.0041% | 1,465 |
| Net operating income to assets | 0.1243% | 6,043 |
| Return on assets (ROA) | 0.1398% | 5,830 |
| Pretax return on assets | 0.1716% | 5,788 |
| Return on Equity (ROE) | 1.0516% | 5,902 |
| Retained earnings to average equity (ytd only) | -4.5946% | 6,434 |
| Net charge-offs to loans | 1.1034% | 1,106 |
| Credit loss provision to net charge-offs | 128.3312% | 4,151 |
| Earnings coverage of net charge-offs (x) | 1.4781% | 5,364 |
| Efficiency ratio | 61.9392% | 5,962 |
| Assets per employee ($millions) | 7.3401% | 614 |
| Cash dividends to net income (ytd only)* | 536.9222% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 5,037 |
| Loan loss allowance to noncurrent loans | 42.8447% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 2.0735% | 2,375 |
| Noncurrent loans to loans | 2.6435% | 2,052 |
| Net loans and leases to total assets | 71.9060% | 3,609 |
| Net loans and leases to deposits | 92.6525% | 3,019 |
| Net loans and leases to core deposits | 135.7529% | 1,503 |
| Total domestic deposits to total assets | 77.6082% | 5,835 |
| Equity capital to assets | 12.7506% | 1,893 |
| Core capital (leverage) ratio | 8.7779% | 5,072 |
| Tier 1 risk-based capital ratio | 9.2179% | 7,595 |
| Total risk-based capital ratio | 10.5358% | 7,461 |
| Memoranda: | ||
| Average total assets | $1,268,942,200 | 533 |
| Average earning assets | $1,075,362,400 | 567 |
| Average equity | $168,699,800 | 419 |
| Average total loans | $899,871,800 | 542 |