Home > Kearny Bank > Performance and Condition Ratios
Kearny Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 3,235 |
| Cost of funding earning assets | 2.2768% | 566 |
| Net interest margin | 2.1484% | 4,349 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.4408% | 4,366 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4041% | 3,860 |
| Return on assets (ROA) | 0.2275% | 4,142 |
| Pretax return on assets | 0.3680% | 4,008 |
| Return on Equity (ROE) | 2.3500% | 4,114 |
| Retained earnings to average equity (ytd only) | -0.4036% | 4,132 |
| Net charge-offs to loans | 0.1110% | 849 |
| Credit loss provision to net charge-offs | 38.3551% | 2,247 |
| Earnings coverage of net charge-offs (x) | 7.7585% | 2,383 |
| Efficiency ratio | 69.5083% | 1,956 |
| Assets per employee ($millions) | 14.8858% | 219 |
| Cash dividends to net income (ytd only)* | 117.1556% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 4,006 |
| Loan loss allowance to noncurrent loans | 121.5875% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 881 |
| Noncurrent loans to loans | 0.6407% | 1,228 |
| Net loans and leases to total assets | 72.4400% | 1,531 |
| Net loans and leases to deposits | 106.4725% | 277 |
| Net loans and leases to core deposits | 122.4893% | 553 |
| Total domestic deposits to total assets | 68.0300% | 4,344 |
| Equity capital to assets | 9.9389% | 2,044 |
| Core capital (leverage) ratio | 8.0997% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8711% | 1,907 |
| Memoranda: | ||
| Average total assets | $8,108,395,200 | 186 |
| Average earning assets | $7,243,551,400 | 184 |
| Average equity | $784,034,200 | 198 |
| Average total loans | $5,861,490,600 | 183 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 3,197 |
| Cost of funding earning assets | 2.1504% | 545 |
| Net interest margin | 2.1992% | 4,354 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.4297% | 4,370 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5272% | 3,706 |
| Return on assets (ROA) | 0.5272% | 3,690 |
| Pretax return on assets | 0.6843% | 3,583 |
| Return on Equity (ROE) | 5.4900% | 3,731 |
| Retained earnings to average equity (ytd only) | 2.9861% | 3,517 |
| Net charge-offs to loans | 0.0542% | 1,131 |
| Credit loss provision to net charge-offs | 16.2839% | 2,021 |
| Earnings coverage of net charge-offs (x) | 17.6555% | 1,895 |
| Efficiency ratio | 67.1127% | 2,128 |
| Assets per employee ($millions) | 14.9480% | 199 |
| Cash dividends to net income (ytd only)* | 45.6041% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 3,952 |
| Loan loss allowance to noncurrent loans | 123.6337% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 906 |
| Noncurrent loans to loans | 0.6605% | 1,246 |
| Net loans and leases to total assets | 71.4600% | 1,643 |
| Net loans and leases to deposits | 103.7545% | 360 |
| Net loans and leases to core deposits | 122.5339% | 495 |
| Total domestic deposits to total assets | 68.8700% | 4,351 |
| Equity capital to assets | 9.8017% | 1,937 |
| Core capital (leverage) ratio | 8.2900% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9708% | 1,909 |
| Memoranda: | ||
| Average total assets | $8,163,119,000 | 185 |
| Average earning assets | $7,294,846,750 | 185 |
| Average equity | $784,010,750 | 196 |
| Average total loans | $5,886,948,500 | 183 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 3,186 |
| Cost of funding earning assets | 2.0387% | 455 |
| Net interest margin | 2.2177% | 4,409 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.4161% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5455% | 3,709 |
| Return on assets (ROA) | 0.5455% | 3,717 |
| Pretax return on assets | 0.6988% | 3,605 |
| Return on Equity (ROE) | 5.7200% | 3,753 |
| Retained earnings to average equity (ytd only) | 3.8154% | 3,248 |
| Net charge-offs to loans | 0.0097% | 1,842 |
| Credit loss provision to net charge-offs | 50.3472% | 1,669 |
| Earnings coverage of net charge-offs (x) | 100.3333% | 933 |
| Efficiency ratio | 66.5298% | 2,172 |
| Assets per employee ($millions) | 15.2325% | 189 |
| Cash dividends to net income (ytd only)* | 33.2680% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 3,940 |
| Loan loss allowance to noncurrent loans | 114.3266% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 762 |
| Noncurrent loans to loans | 0.7300% | 1,026 |
| Net loans and leases to total assets | 71.8600% | 1,549 |
| Net loans and leases to deposits | 101.7520% | 444 |
| Net loans and leases to core deposits | 120.4079% | 503 |
| Total domestic deposits to total assets | 70.6200% | 4,336 |
| Equity capital to assets | 9.8546% | 1,937 |
| Core capital (leverage) ratio | 8.1474% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3141% | 2,169 |
| Memoranda: | ||
| Average total assets | $8,228,402,000 | 179 |
| Average earning assets | $7,370,058,333 | 180 |
| Average equity | $785,039,333 | 193 |
| Average total loans | $5,935,937,000 | 177 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 3,164 |
| Cost of funding earning assets | 1.8893% | 377 |
| Net interest margin | 2.2497% | 4,474 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.4402% | 4,440 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4980% | 3,903 |
| Return on assets (ROA) | 0.4980% | 3,867 |
| Pretax return on assets | 0.6380% | 3,782 |
| Return on Equity (ROE) | 5.3000% | 3,847 |
| Retained earnings to average equity (ytd only) | 4.6610% | 3,098 |
| Net charge-offs to loans | 0.0138% | 1,439 |
| Credit loss provision to net charge-offs | 218.9320% | 787 |
| Earnings coverage of net charge-offs (x) | 66.5631% | 967 |
| Efficiency ratio | 68.2575% | 1,942 |
| Assets per employee ($millions) | 15.5948% | 180 |
| Cash dividends to net income (ytd only)* | 12.1341% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 4,048 |
| Loan loss allowance to noncurrent loans | 111.5750% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 716 |
| Noncurrent loans to loans | 0.7372% | 1,038 |
| Net loans and leases to total assets | 70.9900% | 1,524 |
| Net loans and leases to deposits | 100.8495% | 408 |
| Net loans and leases to core deposits | 121.3305% | 407 |
| Total domestic deposits to total assets | 70.3900% | 4,405 |
| Equity capital to assets | 9.3932% | 2,233 |
| Core capital (leverage) ratio | 7.9609% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5262% | 2,565 |
| Memoranda: | ||
| Average total assets | $8,313,607,500 | 185 |
| Average earning assets | $7,459,374,500 | 185 |
| Average equity | $780,519,000 | 199 |
| Average total loans | $5,984,399,500 | 180 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 2,718 |
| Cost of funding earning assets | 0.8652% | 294 |
| Net interest margin | 2.7616% | 3,955 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.6483% | 4,248 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7919% | 3,354 |
| Return on assets (ROA) | 0.6297% | 3,758 |
| Pretax return on assets | 0.8420% | 3,512 |
| Return on Equity (ROE) | 6.0500% | 3,817 |
| Retained earnings to average equity (ytd only) | 0.2568% | 4,306 |
| Net charge-offs to loans | 0.0368% | 1,358 |
| Credit loss provision to net charge-offs | 133.3502% | 1,389 |
| Earnings coverage of net charge-offs (x) | 41.9728% | 1,473 |
| Efficiency ratio | 60.0874% | 3,044 |
| Assets per employee ($millions) | 15.2279% | 197 |
| Cash dividends to net income (ytd only)* | 95.7548% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 3,999 |
| Loan loss allowance to noncurrent loans | 99.7246% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 624 |
| Noncurrent loans to loans | 0.8173% | 905 |
| Net loans and leases to total assets | 71.8000% | 1,439 |
| Net loans and leases to deposits | 98.2884% | 509 |
| Net loans and leases to core deposits | 117.3183% | 419 |
| Total domestic deposits to total assets | 73.0500% | 4,388 |
| Equity capital to assets | 9.3837% | 2,086 |
| Core capital (leverage) ratio | 7.9988% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0877% | 2,709 |
| Memoranda: | ||
| Average total assets | $7,691,132,400 | 194 |
| Average earning assets | $6,898,589,000 | 194 |
| Average equity | $800,750,600 | 194 |
| Average total loans | $5,391,614,800 | 183 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5025% | 2,608 |
| Cost of funding earning assets | 0.6232% | 387 |
| Net interest margin | 2.8793% | 3,542 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.6728% | 4,200 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8269% | 3,146 |
| Return on assets (ROA) | 0.8191% | 3,140 |
| Pretax return on assets | 1.1064% | 2,700 |
| Return on Equity (ROE) | 7.6600% | 3,416 |
| Retained earnings to average equity (ytd only) | 1.6462% | 4,100 |
| Net charge-offs to loans | 0.0401% | 1,092 |
| Credit loss provision to net charge-offs | 61.7143% | 1,488 |
| Earnings coverage of net charge-offs (x) | 40.7143% | 1,377 |
| Efficiency ratio | 59.3138% | 3,208 |
| Assets per employee ($millions) | 13.5482% | 268 |
| Cash dividends to net income (ytd only)* | 78.5079% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 4,007 |
| Loan loss allowance to noncurrent loans | 61.8054% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 461 |
| Noncurrent loans to loans | 1.3588% | 534 |
| Net loans and leases to total assets | 71.3000% | 1,364 |
| Net loans and leases to deposits | 90.7779% | 839 |
| Net loans and leases to core deposits | 108.1555% | 528 |
| Total domestic deposits to total assets | 78.5400% | 4,217 |
| Equity capital to assets | 9.8491% | 1,695 |
| Core capital (leverage) ratio | 8.4444% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6739% | 2,586 |
| Memoranda: | ||
| Average total assets | $7,542,922,750 | 196 |
| Average earning assets | $6,767,049,000 | 200 |
| Average equity | $806,603,500 | 191 |
| Average total loans | $5,240,250,250 | 186 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3947% | 2,456 |
| Cost of funding earning assets | 0.4605% | 654 |
| Net interest margin | 2.9342% | 3,074 |
| Noninterest income to average assets | 0.1799% | 4,104 |
| Noninterest expense to average assets | 1.6986% | 4,150 |
| Loan and lease loss provision to assets | 0.0081% | 2,445 |
| Net operating income to assets | 0.8109% | 2,917 |
| Return on assets (ROA) | 0.7990% | 2,930 |
| Pretax return on assets | 1.0939% | 2,431 |
| Return on Equity (ROE) | 7.2689% | 3,228 |
| Retained earnings to average equity (ytd only) | 0.5192% | 4,089 |
| Net charge-offs to loans | 0.0573% | 825 |
| Credit loss provision to net charge-offs | 20.6849% | 1,603 |
| Earnings coverage of net charge-offs (x) | 28.4219% | 1,410 |
| Efficiency ratio | 60.0157% | 3,292 |
| Assets per employee ($millions) | 13.5612% | 259 |
| Cash dividends to net income (ytd only)* | 92.8569% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 4,055 |
| Loan loss allowance to noncurrent loans | 51.1700% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1941% | 356 |
| Noncurrent loans to loans | 1.6884% | 418 |
| Net loans and leases to total assets | 69.9773% | 1,299 |
| Net loans and leases to deposits | 90.6591% | 679 |
| Net loans and leases to core deposits | 106.6584% | 428 |
| Total domestic deposits to total assets | 77.1873% | 4,405 |
| Equity capital to assets | 10.2124% | 1,580 |
| Core capital (leverage) ratio | 8.7048% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1038% | 2,451 |
| Memoranda: | ||
| Average total assets | $7,428,879,000 | 195 |
| Average earning assets | $6,673,777,000 | 201 |
| Average equity | $816,601,333 | 187 |
| Average total loans | $5,097,231,667 | 186 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3377% | 2,270 |
| Cost of funding earning assets | 0.4363% | 699 |
| Net interest margin | 2.9014% | 2,831 |
| Noninterest income to average assets | 0.1780% | 4,107 |
| Noninterest expense to average assets | 1.6562% | 4,200 |
| Loan and lease loss provision to assets | -0.2152% | 4,697 |
| Net operating income to assets | 0.9837% | 1,952 |
| Return on assets (ROA) | 0.9838% | 1,947 |
| Pretax return on assets | 1.3465% | 1,390 |
| Return on Equity (ROE) | 8.6259% | 2,472 |
| Retained earnings to average equity (ytd only) | 1.8284% | 3,586 |
| Net charge-offs to loans | 0.0354% | 945 |
| Credit loss provision to net charge-offs | -899.0826% | 3,248 |
| Earnings coverage of net charge-offs (x) | 47.2477% | 943 |
| Efficiency ratio | 59.0722% | 3,577 |
| Assets per employee ($millions) | 13.1432% | 302 |
| Cash dividends to net income (ytd only)* | 78.8034% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 4,101 |
| Loan loss allowance to noncurrent loans | 54.4202% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0965% | 435 |
| Noncurrent loans to loans | 1.6100% | 499 |
| Net loans and leases to total assets | 67.1791% | 1,295 |
| Net loans and leases to deposits | 87.8615% | 630 |
| Net loans and leases to core deposits | 99.2562% | 536 |
| Total domestic deposits to total assets | 76.4602% | 4,485 |
| Equity capital to assets | 11.1176% | 1,277 |
| Core capital (leverage) ratio | 9.1372% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1408% | 2,139 |
| Memoranda: | ||
| Average total assets | $7,285,164,000 | 204 |
| Average earning assets | $6,551,724,000 | 209 |
| Average equity | $830,891,500 | 190 |
| Average total loans | $4,922,488,000 | 192 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 2,622 |
| Cost of funding earning assets | 0.5401% | 751 |
| Net interest margin | 2.9729% | 3,265 |
| Noninterest income to average assets | 0.2200% | 4,051 |
| Noninterest expense to average assets | 1.6655% | 4,343 |
| Loan and lease loss provision to assets | -0.1604% | 4,646 |
| Net operating income to assets | 1.0179% | 2,599 |
| Return on assets (ROA) | 1.0215% | 2,663 |
| Pretax return on assets | 1.3951% | 2,071 |
| Return on Equity (ROE) | 8.0734% | 3,195 |
| Retained earnings to average equity (ytd only) | -19.0718% | 4,808 |
| Net charge-offs to loans | 0.0732% | 1,056 |
| Credit loss provision to net charge-offs | -329.1372% | 3,638 |
| Earnings coverage of net charge-offs (x) | 25.2436% | 1,727 |
| Efficiency ratio | 57.1333% | 3,563 |
| Assets per employee ($millions) | 13.2789% | 289 |
| Cash dividends to net income (ytd only)* | 336.2283% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,771 |
| Loan loss allowance to noncurrent loans | 66.8386% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 547 |
| Noncurrent loans to loans | 1.4908% | 610 |
| Net loans and leases to total assets | 66.6875% | 1,409 |
| Net loans and leases to deposits | 85.6285% | 816 |
| Net loans and leases to core deposits | 95.7165% | 705 |
| Total domestic deposits to total assets | 77.8800% | 4,406 |
| Equity capital to assets | 11.7010% | 1,393 |
| Core capital (leverage) ratio | 9.1539% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8753% | 1,897 |
| Memoranda: | ||
| Average total assets | $7,254,345,000 | 199 |
| Average earning assets | $6,529,005,800 | 201 |
| Average equity | $917,885,200 | 180 |
| Average total loans | $4,830,741,600 | 194 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5359% | 2,727 |
| Cost of funding earning assets | 0.5653% | 768 |
| Net interest margin | 2.9706% | 3,383 |
| Noninterest income to average assets | 0.2159% | 4,103 |
| Noninterest expense to average assets | 1.6792% | 4,360 |
| Loan and lease loss provision to assets | -0.1690% | 4,712 |
| Net operating income to assets | 1.0087% | 2,875 |
| Return on assets (ROA) | 1.0135% | 2,921 |
| Pretax return on assets | 1.3852% | 2,393 |
| Return on Equity (ROE) | 7.8638% | 3,444 |
| Retained earnings to average equity (ytd only) | -25.4732% | 4,890 |
| Net charge-offs to loans | 0.0659% | 986 |
| Credit loss provision to net charge-offs | -386.2112% | 3,578 |
| Earnings coverage of net charge-offs (x) | 27.6639% | 1,570 |
| Efficiency ratio | 57.7183% | 3,315 |
| Assets per employee ($millions) | 13.0075% | 303 |
| Cash dividends to net income (ytd only)* | 423.9286% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,540 |
| Loan loss allowance to noncurrent loans | 70.9928% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 637 |
| Noncurrent loans to loans | 1.5190% | 686 |
| Net loans and leases to total assets | 66.2808% | 1,508 |
| Net loans and leases to deposits | 85.6757% | 846 |
| Net loans and leases to core deposits | 96.0784% | 743 |
| Total domestic deposits to total assets | 77.3624% | 4,470 |
| Equity capital to assets | 11.6596% | 1,567 |
| Core capital (leverage) ratio | 9.0191% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0672% | 1,949 |
| Memoranda: | ||
| Average total assets | $7,271,965,750 | 200 |
| Average earning assets | $6,544,601,500 | 201 |
| Average equity | $937,211,000 | 179 |
| Average total loans | $4,828,688,750 | 195 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 2,791 |
| Cost of funding earning assets | 0.6040% | 732 |
| Net interest margin | 2.9392% | 3,476 |
| Noninterest income to average assets | 0.2163% | 4,111 |
| Noninterest expense to average assets | 1.6482% | 4,448 |
| Loan and lease loss provision to assets | -0.1044% | 4,633 |
| Net operating income to assets | 0.9647% | 3,021 |
| Return on assets (ROA) | 0.9719% | 3,076 |
| Pretax return on assets | 1.3273% | 2,560 |
| Return on Equity (ROE) | 7.3132% | 3,573 |
| Retained earnings to average equity (ytd only) | -17.4005% | 4,909 |
| Net charge-offs to loans | 0.0581% | 1,031 |
| Credit loss provision to net charge-offs | -271.3371% | 3,292 |
| Earnings coverage of net charge-offs (x) | 31.5405% | 1,282 |
| Efficiency ratio | 57.1631% | 3,381 |
| Assets per employee ($millions) | 12.9727% | 285 |
| Cash dividends to net income (ytd only)* | 337.9323% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,961 |
| Loan loss allowance to noncurrent loans | 72.9186% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.1005% | 671 |
| Noncurrent loans to loans | 1.6386% | 660 |
| Net loans and leases to total assets | 66.2067% | 1,676 |
| Net loans and leases to deposits | 86.4447% | 889 |
| Net loans and leases to core deposits | 97.4295% | 745 |
| Total domestic deposits to total assets | 76.5886% | 4,531 |
| Equity capital to assets | 12.8292% | 1,007 |
| Core capital (leverage) ratio | 10.2316% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2192% | 1,286 |
| Memoranda: | ||
| Average total assets | $7,306,907,333 | 199 |
| Average earning assets | $6,577,388,000 | 201 |
| Average equity | $971,061,333 | 174 |
| Average total loans | $4,837,510,667 | 196 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 2,706 |
| Cost of funding earning assets | 0.6659% | 628 |
| Net interest margin | 2.9136% | 3,481 |
| Noninterest income to average assets | 0.2538% | 3,879 |
| Noninterest expense to average assets | 1.6089% | 4,517 |
| Loan and lease loss provision to assets | 0.0615% | 1,895 |
| Net operating income to assets | 0.8937% | 3,138 |
| Return on assets (ROA) | 0.8945% | 3,219 |
| Pretax return on assets | 1.2067% | 2,834 |
| Return on Equity (ROE) | 6.6171% | 3,697 |
| Retained earnings to average equity (ytd only) | -16.6838% | 4,893 |
| Net charge-offs to loans | 0.0622% | 909 |
| Credit loss provision to net charge-offs | 150.1333% | 979 |
| Earnings coverage of net charge-offs (x) | 30.9520% | 1,084 |
| Efficiency ratio | 55.4423% | 3,613 |
| Assets per employee ($millions) | 13.1997% | 271 |
| Cash dividends to net income (ytd only)* | 352.1328% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,308 |
| Loan loss allowance to noncurrent loans | 89.2800% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 849 |
| Noncurrent loans to loans | 1.4868% | 842 |
| Net loans and leases to total assets | 64.5811% | 1,970 |
| Net loans and leases to deposits | 87.1886% | 877 |
| Net loans and leases to core deposits | 94.9568% | 925 |
| Total domestic deposits to total assets | 74.0706% | 4,668 |
| Equity capital to assets | 13.1946% | 861 |
| Core capital (leverage) ratio | 10.8060% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1151% | 1,054 |
| Memoranda: | ||
| Average total assets | $7,328,010,500 | 196 |
| Average earning assets | $6,595,148,000 | 199 |
| Average equity | $990,590,000 | 172 |
| Average total loans | $4,822,323,000 | 198 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 3,193 |
| Cost of funding earning assets | 1.1206% | 369 |
| Net interest margin | 2.7184% | 4,357 |
| Noninterest income to average assets | 0.2840% | 3,787 |
| Noninterest expense to average assets | 1.6947% | 4,623 |
| Loan and lease loss provision to assets | 0.1317% | 2,718 |
| Net operating income to assets | 0.7106% | 3,397 |
| Return on assets (ROA) | 0.7412% | 3,416 |
| Pretax return on assets | 0.9354% | 3,266 |
| Return on Equity (ROE) | 5.1227% | 3,872 |
| Retained earnings to average equity (ytd only) | -2.2361% | 4,721 |
| Net charge-offs to loans | 0.0049% | 3,173 |
| Credit loss provision to net charge-offs | 3,973.0435% | 269 |
| Earnings coverage of net charge-offs (x) | 310.1130% | 339 |
| Efficiency ratio | 61.6617% | 3,196 |
| Assets per employee ($millions) | 12.9733% | 266 |
| Cash dividends to net income (ytd only)* | 143.6508% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 2,366 |
| Loan loss allowance to noncurrent loans | 88.6865% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 982 |
| Noncurrent loans to loans | 1.4763% | 907 |
| Net loans and leases to total assets | 65.2983% | 2,185 |
| Net loans and leases to deposits | 89.1338% | 992 |
| Net loans and leases to core deposits | 97.9988% | 1,008 |
| Total domestic deposits to total assets | 73.2587% | 4,670 |
| Equity capital to assets | 13.8421% | 836 |
| Core capital (leverage) ratio | 11.3025% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2337% | 870 |
| Memoranda: | ||
| Average total assets | $6,935,926,000 | 193 |
| Average earning assets | $6,223,120,400 | 193 |
| Average equity | $1,003,529,000 | 164 |
| Average total loans | $4,681,549,400 | 198 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 3,261 |
| Cost of funding earning assets | 1.2088% | 358 |
| Net interest margin | 2.6895% | 4,480 |
| Noninterest income to average assets | 0.2853% | 3,778 |
| Noninterest expense to average assets | 1.7036% | 4,620 |
| Loan and lease loss provision to assets | 0.2047% | 1,954 |
| Net operating income to assets | 0.6422% | 3,656 |
| Return on assets (ROA) | 0.6718% | 3,667 |
| Pretax return on assets | 0.8250% | 3,581 |
| Return on Equity (ROE) | 4.5903% | 4,006 |
| Retained earnings to average equity (ytd only) | 1.2316% | 4,171 |
| Net charge-offs to loans | 0.0035% | 3,047 |
| Credit loss provision to net charge-offs | 8,680.1653% | 140 |
| Earnings coverage of net charge-offs (x) | 421.0992% | 272 |
| Efficiency ratio | 62.5836% | 2,978 |
| Assets per employee ($millions) | 13.2483% | 241 |
| Cash dividends to net income (ytd only)* | 73.1709% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,141 |
| Loan loss allowance to noncurrent loans | 143.8935% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 1,871 |
| Noncurrent loans to loans | 0.9060% | 1,648 |
| Net loans and leases to total assets | 67.3851% | 2,338 |
| Net loans and leases to deposits | 96.5235% | 723 |
| Net loans and leases to core deposits | 104.2941% | 909 |
| Total domestic deposits to total assets | 69.8121% | 4,764 |
| Equity capital to assets | 14.2746% | 793 |
| Core capital (leverage) ratio | 11.7841% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2254% | 765 |
| Memoranda: | ||
| Average total assets | $6,840,667,250 | 192 |
| Average earning assets | $6,133,469,750 | 194 |
| Average equity | $1,001,206,250 | 163 |
| Average total loans | $4,641,628,000 | 198 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 3,516 |
| Cost of funding earning assets | 1.2881% | 379 |
| Net interest margin | 2.6465% | 4,612 |
| Noninterest income to average assets | 0.2102% | 4,227 |
| Noninterest expense to average assets | 1.6226% | 4,760 |
| Loan and lease loss provision to assets | 0.1926% | 2,106 |
| Net operating income to assets | 0.6312% | 3,634 |
| Return on assets (ROA) | 0.6864% | 3,542 |
| Pretax return on assets | 0.8338% | 3,495 |
| Return on Equity (ROE) | 4.6481% | 3,936 |
| Retained earnings to average equity (ytd only) | 1.6278% | 3,897 |
| Net charge-offs to loans | 0.0024% | 2,926 |
| Credit loss provision to net charge-offs | 11,933.3333% | 99 |
| Earnings coverage of net charge-offs (x) | 594.2593% | 171 |
| Efficiency ratio | 62.2144% | 3,093 |
| Assets per employee ($millions) | 12.8783% | 255 |
| Cash dividends to net income (ytd only)* | 64.9802% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 4,271 |
| Loan loss allowance to noncurrent loans | 101.7195% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 2,168 |
| Noncurrent loans to loans | 0.8120% | 1,871 |
| Net loans and leases to total assets | 66.5421% | 2,552 |
| Net loans and leases to deposits | 99.9780% | 553 |
| Net loans and leases to core deposits | 106.7741% | 858 |
| Total domestic deposits to total assets | 66.5568% | 4,875 |
| Equity capital to assets | 14.7682% | 673 |
| Core capital (leverage) ratio | 11.9474% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3790% | 638 |
| Memoranda: | ||
| Average total assets | $6,692,034,333 | 194 |
| Average earning assets | $5,996,618,333 | 195 |
| Average equity | $988,233,333 | 165 |
| Average total loans | $4,530,530,667 | 200 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 3,858 |
| Cost of funding earning assets | 1.4352% | 339 |
| Net interest margin | 2.5413% | 4,796 |
| Noninterest income to average assets | 0.1951% | 4,380 |
| Noninterest expense to average assets | 1.6641% | 4,809 |
| Loan and lease loss provision to assets | 0.3760% | 821 |
| Net operating income to assets | 0.4226% | 4,082 |
| Return on assets (ROA) | 0.5539% | 3,789 |
| Pretax return on assets | 0.5670% | 3,988 |
| Return on Equity (ROE) | 3.7511% | 4,020 |
| Retained earnings to average equity (ytd only) | 0.5040% | 3,878 |
| Net charge-offs to loans | 0.0014% | 2,544 |
| Credit loss provision to net charge-offs | 39,187.5000% | 12 |
| Earnings coverage of net charge-offs (x) | 843.2500% | 64 |
| Efficiency ratio | 66.5495% | 2,882 |
| Assets per employee ($millions) | 12.8359% | 195 |
| Cash dividends to net income (ytd only)* | 86.5649% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 4,378 |
| Loan loss allowance to noncurrent loans | 105.0712% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 2,410 |
| Noncurrent loans to loans | 0.7739% | 2,068 |
| Net loans and leases to total assets | 67.1914% | 2,674 |
| Net loans and leases to deposits | 105.3692% | 314 |
| Net loans and leases to core deposits | 114.5578% | 645 |
| Total domestic deposits to total assets | 63.7676% | 4,993 |
| Equity capital to assets | 14.5240% | 890 |
| Core capital (leverage) ratio | 11.9195% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6611% | 784 |
| Memoranda: | ||
| Average total assets | $6,670,367,000 | 192 |
| Average earning assets | $5,979,718,500 | 192 |
| Average equity | $985,002,000 | 167 |
| Average total loans | $4,536,203,000 | 190 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 4,175 |
| Cost of funding earning assets | 1.5210% | 375 |
| Net interest margin | 2.5156% | 4,961 |
| Noninterest income to average assets | 0.1808% | 4,587 |
| Noninterest expense to average assets | 1.6089% | 4,945 |
| Loan and lease loss provision to assets | -0.0266% | 4,972 |
| Net operating income to assets | 0.6415% | 4,033 |
| Return on assets (ROA) | 0.6376% | 4,116 |
| Pretax return on assets | 0.8482% | 3,881 |
| Return on Equity (ROE) | 4.1995% | 4,414 |
| Retained earnings to average equity (ytd only) | -12.7104% | 5,096 |
| Net charge-offs to loans | 0.0178% | 3,079 |
| Credit loss provision to net charge-offs | -212.6812% | 4,310 |
| Earnings coverage of net charge-offs (x) | 66.1872% | 919 |
| Efficiency ratio | 65.3197% | 2,870 |
| Assets per employee ($millions) | 12.8441% | 185 |
| Cash dividends to net income (ytd only)* | 402.6682% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 4,598 |
| Loan loss allowance to noncurrent loans | 140.9174% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,075 |
| Noncurrent loans to loans | 0.4880% | 2,727 |
| Net loans and leases to total assets | 67.8053% | 2,708 |
| Net loans and leases to deposits | 104.9257% | 340 |
| Net loans and leases to core deposits | 113.9153% | 676 |
| Total domestic deposits to total assets | 64.6222% | 5,044 |
| Equity capital to assets | 15.0156% | 790 |
| Core capital (leverage) ratio | 12.0098% | 1,770 |
| Tier 1 risk-based capital ratio | 20.2506% | 1,290 |
| Total risk-based capital ratio | 21.0683% | 1,318 |
| Memoranda: | ||
| Average total assets | $6,630,283,000 | 183 |
| Average earning assets | $5,942,431,400 | 182 |
| Average equity | $1,006,703,000 | 165 |
| Average total loans | $4,644,054,200 | 185 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 4,236 |
| Cost of funding earning assets | 1.5118% | 395 |
| Net interest margin | 2.5491% | 5,036 |
| Noninterest income to average assets | 0.1780% | 4,651 |
| Noninterest expense to average assets | 1.6186% | 4,987 |
| Loan and lease loss provision to assets | -0.0060% | 5,046 |
| Net operating income to assets | 0.6401% | 4,182 |
| Return on assets (ROA) | 0.6347% | 4,249 |
| Pretax return on assets | 0.8437% | 4,031 |
| Return on Equity (ROE) | 4.1691% | 4,562 |
| Retained earnings to average equity (ytd only) | -17.1534% | 5,198 |
| Net charge-offs to loans | 0.0227% | 2,649 |
| Credit loss provision to net charge-offs | -37.2647% | 4,000 |
| Earnings coverage of net charge-offs (x) | 52.7767% | 1,145 |
| Efficiency ratio | 64.9872% | 2,861 |
| Assets per employee ($millions) | 12.8569% | 174 |
| Cash dividends to net income (ytd only)* | 511.4411% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 4,645 |
| Loan loss allowance to noncurrent loans | 148.9004% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 3,227 |
| Noncurrent loans to loans | 0.4719% | 2,885 |
| Net loans and leases to total assets | 69.2131% | 2,592 |
| Net loans and leases to deposits | 106.9000% | 296 |
| Net loans and leases to core deposits | 124.4744% | 403 |
| Total domestic deposits to total assets | 64.7457% | 5,111 |
| Equity capital to assets | 14.8888% | 872 |
| Core capital (leverage) ratio | 11.8832% | 1,930 |
| Tier 1 risk-based capital ratio | 19.3484% | 1,490 |
| Total risk-based capital ratio | 20.1726% | 1,553 |
| Memoranda: | ||
| Average total assets | $6,640,596,250 | 183 |
| Average earning assets | $5,953,259,250 | 183 |
| Average equity | $1,011,032,500 | 164 |
| Average total loans | $4,680,405,500 | 186 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 4,278 |
| Cost of funding earning assets | 1.4751% | 409 |
| Net interest margin | 2.5757% | 5,088 |
| Noninterest income to average assets | 0.1695% | 4,737 |
| Noninterest expense to average assets | 1.6483% | 5,025 |
| Loan and lease loss provision to assets | 0.0146% | 3,487 |
| Net operating income to assets | 0.6161% | 4,265 |
| Return on assets (ROA) | 0.6084% | 4,325 |
| Pretax return on assets | 0.8066% | 4,072 |
| Return on Equity (ROE) | 3.9669% | 4,596 |
| Retained earnings to average equity (ytd only) | -26.4651% | 5,265 |
| Net charge-offs to loans | 0.0314% | 2,226 |
| Credit loss provision to net charge-offs | 65.8537% | 2,357 |
| Earnings coverage of net charge-offs (x) | 37.4187% | 1,291 |
| Efficiency ratio | 65.7770% | 2,843 |
| Assets per employee ($millions) | 12.1391% | 201 |
| Cash dividends to net income (ytd only)* | 767.1464% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 4,694 |
| Loan loss allowance to noncurrent loans | 164.1539% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 3,311 |
| Noncurrent loans to loans | 0.4321% | 2,985 |
| Net loans and leases to total assets | 70.4062% | 2,472 |
| Net loans and leases to deposits | 109.1663% | 234 |
| Net loans and leases to core deposits | 132.1136% | 286 |
| Total domestic deposits to total assets | 64.4944% | 5,162 |
| Equity capital to assets | 14.7081% | 890 |
| Core capital (leverage) ratio | 11.7750% | 1,965 |
| Tier 1 risk-based capital ratio | 18.6750% | 1,629 |
| Total risk-based capital ratio | 19.4992% | 1,699 |
| Memoranda: | ||
| Average total assets | $6,647,031,330 | 182 |
| Average earning assets | $5,960,498,670 | 185 |
| Average equity | $1,019,433,000 | 162 |
| Average total loans | $4,702,129,670 | 187 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 4,224 |
| Cost of funding earning assets | 1.4281% | 412 |
| Net interest margin | 2.6364% | 5,113 |
| Noninterest income to average assets | 0.1671% | 4,738 |
| Noninterest expense to average assets | 1.5842% | 5,108 |
| Loan and lease loss provision to assets | -0.0107% | 5,211 |
| Net operating income to assets | 0.6967% | 3,945 |
| Return on assets (ROA) | 0.6881% | 4,016 |
| Pretax return on assets | 0.9451% | 3,631 |
| Return on Equity (ROE) | 4.3970% | 4,496 |
| Retained earnings to average equity (ytd only) | -51.8156% | 5,335 |
| Net charge-offs to loans | 0.0206% | 2,044 |
| Credit loss provision to net charge-offs | -73.9669% | 3,520 |
| Earnings coverage of net charge-offs (x) | 65.0661% | 879 |
| Efficiency ratio | 61.9808% | 3,536 |
| Assets per employee ($millions) | 11.9003% | 210 |
| Cash dividends to net income (ytd only)* | 1,278.4312% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 4,761 |
| Loan loss allowance to noncurrent loans | 155.2840% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 3,300 |
| Noncurrent loans to loans | 0.4574% | 2,942 |
| Net loans and leases to total assets | 69.6904% | 2,532 |
| Net loans and leases to deposits | 107.9762% | 270 |
| Net loans and leases to core deposits | 132.2126% | 280 |
| Total domestic deposits to total assets | 64.5424% | 5,230 |
| Equity capital to assets | 14.6900% | 830 |
| Core capital (leverage) ratio | 11.6313% | 2,031 |
| Tier 1 risk-based capital ratio | 18.2862% | 1,717 |
| Total risk-based capital ratio | 19.0918% | 1,794 |
| Memoranda: | ||
| Average total assets | $6,662,654,000 | 184 |
| Average earning assets | $5,970,286,500 | 185 |
| Average equity | $1,042,620,000 | 160 |
| Average total loans | $4,707,597,000 | 186 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,840 |
| Cost of funding earning assets | 1.2799% | 241 |
| Net interest margin | 2.7906% | 5,028 |
| Noninterest income to average assets | 0.1781% | 4,839 |
| Noninterest expense to average assets | 1.7888% | 5,010 |
| Loan and lease loss provision to assets | 0.0711% | 2,714 |
| Net operating income to assets | 0.5914% | 4,441 |
| Return on assets (ROA) | 0.5915% | 4,449 |
| Pretax return on assets | 0.8247% | 4,108 |
| Return on Equity (ROE) | 3.4151% | 4,837 |
| Retained earnings to average equity (ytd only) | -6.3283% | 5,269 |
| Net charge-offs to loans | 0.0183% | 3,089 |
| Credit loss provision to net charge-offs | 560.7190% | 626 |
| Earnings coverage of net charge-offs (x) | 70.6631% | 930 |
| Efficiency ratio | 66.0975% | 2,861 |
| Assets per employee ($millions) | 11.9161% | 201 |
| Cash dividends to net income (ytd only)* | 285.3067% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7052% | 4,797 |
| Loan loss allowance to noncurrent loans | 161.3767% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 3,280 |
| Noncurrent loans to loans | 0.4370% | 2,971 |
| Net loans and leases to total assets | 70.6194% | 2,482 |
| Net loans and leases to deposits | 112.0513% | 209 |
| Net loans and leases to core deposits | 139.5846% | 206 |
| Total domestic deposits to total assets | 63.0242% | 5,291 |
| Equity capital to assets | 16.6010% | 454 |
| Core capital (leverage) ratio | 13.5976% | 1,041 |
| Tier 1 risk-based capital ratio | 20.8033% | 1,180 |
| Total risk-based capital ratio | 21.5921% | 1,227 |
| Memoranda: | ||
| Average total assets | $5,925,136,600 | 195 |
| Average earning assets | $5,321,851,600 | 193 |
| Average equity | $1,026,335,400 | 158 |
| Average total loans | $4,113,473,200 | 200 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 3,836 |
| Cost of funding earning assets | 1.2185% | 234 |
| Net interest margin | 2.8146% | 5,073 |
| Noninterest income to average assets | 0.1839% | 4,870 |
| Noninterest expense to average assets | 1.8405% | 4,995 |
| Loan and lease loss provision to assets | 0.0753% | 2,453 |
| Net operating income to assets | 0.5733% | 4,580 |
| Return on assets (ROA) | 0.5734% | 4,582 |
| Pretax return on assets | 0.7990% | 4,293 |
| Return on Equity (ROE) | 3.2708% | 4,960 |
| Retained earnings to average equity (ytd only) | -9.9896% | 5,391 |
| Net charge-offs to loans | 0.0194% | 2,756 |
| Credit loss provision to net charge-offs | 563.4783% | 631 |
| Earnings coverage of net charge-offs (x) | 65.3963% | 995 |
| Efficiency ratio | 67.2995% | 2,660 |
| Assets per employee ($millions) | 12.0727% | 193 |
| Cash dividends to net income (ytd only)* | 405.4163% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7021% | 4,874 |
| Loan loss allowance to noncurrent loans | 159.7335% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 3,416 |
| Noncurrent loans to loans | 0.4395% | 3,080 |
| Net loans and leases to total assets | 69.7185% | 2,691 |
| Net loans and leases to deposits | 114.0236% | 184 |
| Net loans and leases to core deposits | 126.9571% | 395 |
| Total domestic deposits to total assets | 61.1439% | 5,383 |
| Equity capital to assets | 16.6832% | 445 |
| Core capital (leverage) ratio | 13.7110% | 1,026 |
| Tier 1 risk-based capital ratio | 20.7139% | 1,225 |
| Total risk-based capital ratio | 21.4914% | 1,267 |
| Memoranda: | ||
| Average total assets | $5,735,185,000 | 199 |
| Average earning assets | $5,156,699,750 | 196 |
| Average equity | $1,005,477,000 | 159 |
| Average total loans | $3,953,243,250 | 206 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9728% | 3,866 |
| Cost of funding earning assets | 1.1762% | 199 |
| Net interest margin | 2.7966% | 5,123 |
| Noninterest income to average assets | 0.1946% | 4,852 |
| Noninterest expense to average assets | 1.9556% | 4,871 |
| Loan and lease loss provision to assets | 0.0420% | 3,062 |
| Net operating income to assets | 0.4790% | 4,796 |
| Return on assets (ROA) | 0.4793% | 4,801 |
| Pretax return on assets | 0.7178% | 4,467 |
| Return on Equity (ROE) | 2.6809% | 5,065 |
| Retained earnings to average equity (ytd only) | 2.6809% | 4,177 |
| Net charge-offs to loans | 0.0183% | 2,526 |
| Credit loss provision to net charge-offs | 334.3109% | 933 |
| Earnings coverage of net charge-offs (x) | 60.5103% | 993 |
| Efficiency ratio | 71.6122% | 2,065 |
| Assets per employee ($millions) | 12.0865% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6856% | 4,970 |
| Loan loss allowance to noncurrent loans | 183.0773% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 3,695 |
| Noncurrent loans to loans | 0.3745% | 3,353 |
| Net loans and leases to total assets | 68.1297% | 2,845 |
| Net loans and leases to deposits | 108.6361% | 326 |
| Net loans and leases to core deposits | 125.7738% | 416 |
| Total domestic deposits to total assets | 62.7137% | 5,423 |
| Equity capital to assets | 18.1868% | 308 |
| Core capital (leverage) ratio | 15.1028% | 645 |
| Tier 1 risk-based capital ratio | 23.3171% | 905 |
| Total risk-based capital ratio | 24.0696% | 935 |
| Memoranda: | ||
| Average total assets | $5,433,594,000 | 205 |
| Average earning assets | $4,897,233,330 | 205 |
| Average equity | $971,384,330 | 161 |
| Average total loans | $3,716,987,670 | 210 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5722% | 4,760 |
| Cost of funding earning assets | 1.0701% | 262 |
| Net interest margin | 2.5021% | 5,394 |
| Noninterest income to average assets | 0.2119% | 4,739 |
| Noninterest expense to average assets | 1.8279% | 5,127 |
| Loan and lease loss provision to assets | 0.0348% | 3,040 |
| Net operating income to assets | 0.4361% | 4,852 |
| Return on assets (ROA) | 0.4360% | 4,857 |
| Pretax return on assets | 0.6188% | 4,645 |
| Return on Equity (ROE) | 2.4676% | 5,113 |
| Retained earnings to average equity (ytd only) | 2.4676% | 4,183 |
| Net charge-offs to loans | 0.0290% | 1,918 |
| Credit loss provision to net charge-offs | 175.5187% | 1,134 |
| Earnings coverage of net charge-offs (x) | 33.0124% | 1,186 |
| Efficiency ratio | 73.5748% | 1,952 |
| Assets per employee ($millions) | 10.7048% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 4,445 |
| Loan loss allowance to noncurrent loans | 212.5053% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 3,587 |
| Noncurrent loans to loans | 0.4244% | 3,267 |
| Net loans and leases to total assets | 67.6404% | 2,809 |
| Net loans and leases to deposits | 105.6923% | 394 |
| Net loans and leases to core deposits | 123.9571% | 470 |
| Total domestic deposits to total assets | 63.9975% | 5,486 |
| Equity capital to assets | 17.6584% | 342 |
| Core capital (leverage) ratio | 15.6914% | 539 |
| Tier 1 risk-based capital ratio | 22.4565% | 996 |
| Total risk-based capital ratio | 23.3701% | 1,017 |
| Memoranda: | ||
| Average total assets | $4,868,896,000 | 219 |
| Average earning assets | $4,416,672,500 | 223 |
| Average equity | $860,276,000 | 175 |
| Average total loans | $3,324,376,000 | 228 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 4,848 |
| Cost of funding earning assets | 0.9883% | 230 |
| Net interest margin | 2.4711% | 5,425 |
| Noninterest income to average assets | 0.2055% | 4,911 |
| Noninterest expense to average assets | 1.8014% | 5,239 |
| Loan and lease loss provision to assets | 0.0960% | 2,290 |
| Net operating income to assets | 0.3103% | 4,910 |
| Return on assets (ROA) | 0.3100% | 4,926 |
| Pretax return on assets | 0.5497% | 4,848 |
| Return on Equity (ROE) | 1.7608% | 5,102 |
| Retained earnings to average equity (ytd only) | 1.7608% | 4,264 |
| Net charge-offs to loans | 0.0175% | 3,511 |
| Credit loss provision to net charge-offs | 819.2101% | 420 |
| Earnings coverage of net charge-offs (x) | 55.1257% | 1,019 |
| Efficiency ratio | 73.4939% | 1,983 |
| Assets per employee ($millions) | 10.5105% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 4,404 |
| Loan loss allowance to noncurrent loans | 183.9349% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 3,367 |
| Noncurrent loans to loans | 0.4961% | 3,037 |
| Net loans and leases to total assets | 67.6768% | 2,870 |
| Net loans and leases to deposits | 104.5261% | 470 |
| Net loans and leases to core deposits | 122.6141% | 505 |
| Total domestic deposits to total assets | 64.7464% | 5,540 |
| Equity capital to assets | 17.6794% | 340 |
| Core capital (leverage) ratio | 15.6761% | 519 |
| Tier 1 risk-based capital ratio | 22.8917% | 919 |
| Total risk-based capital ratio | 23.8260% | 935 |
| Memoranda: | ||
| Average total assets | $4,752,181,800 | 214 |
| Average earning assets | $4,311,674,800 | 212 |
| Average equity | $836,628,600 | 169 |
| Average total loans | $3,182,616,800 | 229 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 4,930 |
| Cost of funding earning assets | 0.9638% | 233 |
| Net interest margin | 2.4617% | 5,496 |
| Noninterest income to average assets | 0.2061% | 4,973 |
| Noninterest expense to average assets | 1.7807% | 5,295 |
| Loan and lease loss provision to assets | 0.1021% | 2,066 |
| Net operating income to assets | 0.3805% | 5,037 |
| Return on assets (ROA) | 0.3801% | 5,063 |
| Pretax return on assets | 0.5566% | 4,913 |
| Return on Equity (ROE) | 2.1612% | 5,283 |
| Retained earnings to average equity (ytd only) | 2.1612% | 4,564 |
| Net charge-offs to loans | 0.0102% | 3,366 |
| Credit loss provision to net charge-offs | 1,498.7603% | 254 |
| Earnings coverage of net charge-offs (x) | 96.7351% | 704 |
| Efficiency ratio | 72.8690% | 2,060 |
| Assets per employee ($millions) | 10.5029% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 4,556 |
| Loan loss allowance to noncurrent loans | 162.5808% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 3,311 |
| Noncurrent loans to loans | 0.5548% | 3,032 |
| Net loans and leases to total assets | 67.5393% | 2,909 |
| Net loans and leases to deposits | 104.8068% | 458 |
| Net loans and leases to core deposits | 121.4750% | 536 |
| Total domestic deposits to total assets | 64.4418% | 5,612 |
| Equity capital to assets | 17.6650% | 365 |
| Core capital (leverage) ratio | 15.5943% | 563 |
| Tier 1 risk-based capital ratio | 22.5285% | 992 |
| Total risk-based capital ratio | 23.4344% | 1,008 |
| Memoranda: | ||
| Average total assets | $4,734,150,000 | 216 |
| Average earning assets | $4,296,148,250 | 215 |
| Average equity | $832,558,250 | 169 |
| Average total loans | $3,154,519,500 | 231 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3724% | 5,001 |
| Cost of funding earning assets | 0.9297% | 254 |
| Net interest margin | 2.4427% | 5,541 |
| Noninterest income to average assets | 0.2093% | 4,999 |
| Noninterest expense to average assets | 1.7931% | 5,321 |
| Loan and lease loss provision to assets | 0.1271% | 1,634 |
| Net operating income to assets | 0.3540% | 5,085 |
| Return on assets (ROA) | 0.3534% | 5,111 |
| Pretax return on assets | 0.5043% | 4,998 |
| Return on Equity (ROE) | 2.0124% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.0124% | 4,451 |
| Net charge-offs to loans | -0.0147% | 4,658 |
| Credit loss provision to net charge-offs | -1,308.7336% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8140% | 2,047 |
| Assets per employee ($millions) | 10.7142% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 4,639 |
| Loan loss allowance to noncurrent loans | 155.1823% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 3,403 |
| Noncurrent loans to loans | 0.5807% | 2,993 |
| Net loans and leases to total assets | 67.0978% | 2,936 |
| Net loans and leases to deposits | 103.7186% | 509 |
| Net loans and leases to core deposits | 120.2234% | 553 |
| Total domestic deposits to total assets | 64.6922% | 5,659 |
| Equity capital to assets | 17.4257% | 369 |
| Core capital (leverage) ratio | 15.4719% | 553 |
| Tier 1 risk-based capital ratio | 22.3950% | 1,004 |
| Total risk-based capital ratio | 23.3002% | 1,028 |
| Memoranda: | ||
| Average total assets | $4,715,752,000 | 219 |
| Average earning assets | $4,278,254,670 | 218 |
| Average equity | $828,064,670 | 170 |
| Average total loans | $3,117,980,670 | 233 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2939% | 5,115 |
| Cost of funding earning assets | 0.8715% | 327 |
| Net interest margin | 2.4223% | 5,606 |
| Noninterest income to average assets | 0.1945% | 5,103 |
| Noninterest expense to average assets | 1.7661% | 5,419 |
| Loan and lease loss provision to assets | 0.1548% | 1,177 |
| Net operating income to assets | 0.3428% | 5,095 |
| Return on assets (ROA) | 0.3415% | 5,116 |
| Pretax return on assets | 0.4694% | 5,020 |
| Return on Equity (ROE) | 1.9372% | 5,345 |
| Retained earnings to average equity (ytd only) | 1.9372% | 4,352 |
| Net charge-offs to loans | 0.0334% | 2,110 |
| Credit loss provision to net charge-offs | 709.4118% | 453 |
| Earnings coverage of net charge-offs (x) | 28.6824% | 1,247 |
| Efficiency ratio | 73.7128% | 2,283 |
| Assets per employee ($millions) | 10.7147% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 4,818 |
| Loan loss allowance to noncurrent loans | 131.4014% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 3,322 |
| Noncurrent loans to loans | 0.6728% | 2,833 |
| Net loans and leases to total assets | 64.7816% | 3,150 |
| Net loans and leases to deposits | 100.7759% | 565 |
| Net loans and leases to core deposits | 117.0564% | 556 |
| Total domestic deposits to total assets | 64.2829% | 5,739 |
| Equity capital to assets | 17.3557% | 352 |
| Core capital (leverage) ratio | 16.0725% | 455 |
| Tier 1 risk-based capital ratio | 23.1030% | 963 |
| Total risk-based capital ratio | 23.9920% | 990 |
| Memoranda: | ||
| Average total assets | $4,673,650,000 | 218 |
| Average earning assets | $4,239,891,000 | 219 |
| Average equity | $823,884,000 | 171 |
| Average total loans | $3,051,994,500 | 236 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3240% | 5,128 |
| Cost of funding earning assets | 0.9002% | 297 |
| Net interest margin | 2.4238% | 5,631 |
| Noninterest income to average assets | 0.2197% | 5,095 |
| Noninterest expense to average assets | 1.6237% | 5,635 |
| Loan and lease loss provision to assets | 0.1562% | 1,594 |
| Net operating income to assets | 0.4226% | 4,868 |
| Return on assets (ROA) | 0.4229% | 4,949 |
| Pretax return on assets | 0.6353% | 4,692 |
| Return on Equity (ROE) | 2.3826% | 5,314 |
| Retained earnings to average equity (ytd only) | 2.3826% | 4,168 |
| Net charge-offs to loans | 0.0532% | 2,972 |
| Credit loss provision to net charge-offs | 476.7663% | 688 |
| Earnings coverage of net charge-offs (x) | 24.1501% | 1,651 |
| Efficiency ratio | 67.1019% | 3,418 |
| Assets per employee ($millions) | 10.5266% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 4,882 |
| Loan loss allowance to noncurrent loans | 120.8440% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 3,195 |
| Noncurrent loans to loans | 0.7235% | 2,727 |
| Net loans and leases to total assets | 64.6718% | 3,264 |
| Net loans and leases to deposits | 98.6100% | 770 |
| Net loans and leases to core deposits | 112.2350% | 773 |
| Total domestic deposits to total assets | 65.5834% | 5,765 |
| Equity capital to assets | 17.9134% | 308 |
| Core capital (leverage) ratio | 16.0894% | 451 |
| Tier 1 risk-based capital ratio | 23.7344% | 895 |
| Total risk-based capital ratio | 24.6044% | 920 |
| Memoranda: | ||
| Average total assets | $4,494,311,200 | 216 |
| Average earning assets | $4,070,122,600 | 214 |
| Average equity | $797,668,400 | 166 |
| Average total loans | $2,765,966,600 | 243 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2921% | 5,224 |
| Cost of funding earning assets | 0.9036% | 289 |
| Net interest margin | 2.3885% | 5,725 |
| Noninterest income to average assets | 0.2157% | 5,171 |
| Noninterest expense to average assets | 1.6077% | 5,683 |
| Loan and lease loss provision to assets | 0.1717% | 1,318 |
| Net operating income to assets | 0.4033% | 5,004 |
| Return on assets (ROA) | 0.4033% | 5,105 |
| Pretax return on assets | 0.5993% | 4,882 |
| Return on Equity (ROE) | 2.2780% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.2780% | 4,556 |
| Net charge-offs to loans | 0.0626% | 2,458 |
| Credit loss provision to net charge-offs | 452.3548% | 770 |
| Earnings coverage of net charge-offs (x) | 20.3140% | 1,880 |
| Efficiency ratio | 67.4427% | 3,330 |
| Assets per employee ($millions) | 10.2266% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 4,945 |
| Loan loss allowance to noncurrent loans | 114.4564% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 3,404 |
| Noncurrent loans to loans | 0.7665% | 2,755 |
| Net loans and leases to total assets | 62.4995% | 3,590 |
| Net loans and leases to deposits | 93.6158% | 1,305 |
| Net loans and leases to core deposits | 106.6940% | 1,131 |
| Total domestic deposits to total assets | 66.7618% | 5,800 |
| Equity capital to assets | 17.7625% | 365 |
| Core capital (leverage) ratio | 16.0030% | 470 |
| Tier 1 risk-based capital ratio | 23.9664% | 907 |
| Total risk-based capital ratio | 24.8178% | 925 |
| Memoranda: | ||
| Average total assets | $4,475,753,500 | 217 |
| Average earning assets | $4,053,113,500 | 215 |
| Average equity | $792,490,500 | 168 |
| Average total loans | $2,712,304,000 | 244 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3158% | 5,257 |
| Cost of funding earning assets | 0.8986% | 294 |
| Net interest margin | 2.4172% | 5,799 |
| Noninterest income to average assets | 0.2147% | 5,206 |
| Noninterest expense to average assets | 1.5988% | 5,760 |
| Loan and lease loss provision to assets | 0.2078% | 1,030 |
| Net operating income to assets | 0.3995% | 5,031 |
| Return on assets (ROA) | 0.3995% | 5,110 |
| Pretax return on assets | 0.5970% | 4,895 |
| Return on Equity (ROE) | 2.2585% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.2585% | 4,438 |
| Net charge-offs to loans | 0.0689% | 2,204 |
| Credit loss provision to net charge-offs | 504.2437% | 644 |
| Earnings coverage of net charge-offs (x) | 19.5332% | 1,770 |
| Efficiency ratio | 66.3670% | 3,618 |
| Assets per employee ($millions) | 10.2685% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 4,944 |
| Loan loss allowance to noncurrent loans | 115.0639% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 3,586 |
| Noncurrent loans to loans | 0.7865% | 2,783 |
| Net loans and leases to total assets | 58.9887% | 4,014 |
| Net loans and leases to deposits | 87.9477% | 2,004 |
| Net loans and leases to core deposits | 99.8806% | 1,643 |
| Total domestic deposits to total assets | 67.0725% | 5,864 |
| Equity capital to assets | 17.6439% | 369 |
| Core capital (leverage) ratio | 15.8849% | 477 |
| Tier 1 risk-based capital ratio | 25.1581% | 798 |
| Total risk-based capital ratio | 26.0310% | 821 |
| Memoranda: | ||
| Average total assets | $4,460,945,000 | 218 |
| Average earning assets | $4,039,667,670 | 215 |
| Average equity | $789,021,330 | 167 |
| Average total loans | $2,666,374,000 | 248 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3077% | 5,308 |
| Cost of funding earning assets | 0.8965% | 301 |
| Net interest margin | 2.4112% | 5,874 |
| Noninterest income to average assets | 0.2127% | 5,212 |
| Noninterest expense to average assets | 1.6518% | 5,792 |
| Loan and lease loss provision to assets | 0.2331% | 784 |
| Net operating income to assets | 0.3673% | 5,090 |
| Return on assets (ROA) | 0.3673% | 5,167 |
| Pretax return on assets | 0.5119% | 5,054 |
| Return on Equity (ROE) | 2.0738% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.0738% | 4,425 |
| Net charge-offs to loans | 0.0140% | 2,664 |
| Credit loss provision to net charge-offs | 2,783.8710% | 152 |
| Earnings coverage of net charge-offs (x) | 88.9677% | 585 |
| Efficiency ratio | 68.7678% | 3,335 |
| Assets per employee ($millions) | 10.0544% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 5,242 |
| Loan loss allowance to noncurrent loans | 81.3764% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 3,071 |
| Noncurrent loans to loans | 1.0395% | 2,309 |
| Net loans and leases to total assets | 60.1451% | 3,753 |
| Net loans and leases to deposits | 89.6881% | 1,611 |
| Net loans and leases to core deposits | 101.9968% | 1,337 |
| Total domestic deposits to total assets | 67.0603% | 5,947 |
| Equity capital to assets | 17.5431% | 372 |
| Core capital (leverage) ratio | 15.9043% | 486 |
| Tier 1 risk-based capital ratio | 25.0226% | 808 |
| Total risk-based capital ratio | 25.8540% | 835 |
| Memoranda: | ||
| Average total assets | $4,442,619,500 | 220 |
| Average earning assets | $4,024,148,000 | 215 |
| Average equity | $786,757,000 | 168 |
| Average total loans | $2,660,909,500 | 247 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1554% | 5,568 |
| Cost of funding earning assets | 0.7977% | 493 |
| Net interest margin | 2.3576% | 5,916 |
| Noninterest income to average assets | 0.2409% | 5,157 |
| Noninterest expense to average assets | 1.9781% | 5,502 |
| Loan and lease loss provision to assets | 0.2371% | 815 |
| Net operating income to assets | 0.1710% | 5,641 |
| Return on assets (ROA) | 0.1711% | 5,689 |
| Pretax return on assets | 0.1684% | 5,728 |
| Return on Equity (ROE) | 1.0483% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.0483% | 5,099 |
| Net charge-offs to loans | 0.0752% | 2,751 |
| Credit loss provision to net charge-offs | 582.6537% | 578 |
| Earnings coverage of net charge-offs (x) | 9.9629% | 2,752 |
| Efficiency ratio | 82.8030% | 1,295 |
| Assets per employee ($millions) | 9.6302% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 5,441 |
| Loan loss allowance to noncurrent loans | 97.8395% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5290% | 3,521 |
| Noncurrent loans to loans | 0.8059% | 2,769 |
| Net loans and leases to total assets | 58.6513% | 4,006 |
| Net loans and leases to deposits | 88.1467% | 1,865 |
| Net loans and leases to core deposits | 99.7091% | 1,524 |
| Total domestic deposits to total assets | 66.5383% | 6,008 |
| Equity capital to assets | 17.8787% | 326 |
| Core capital (leverage) ratio | 16.1248% | 454 |
| Tier 1 risk-based capital ratio | 25.6035% | 766 |
| Total risk-based capital ratio | 26.3672% | 792 |
| Memoranda: | ||
| Average total assets | $4,037,395,000 | 223 |
| Average earning assets | $3,669,086,800 | 220 |
| Average equity | $658,889,800 | 175 |
| Average total loans | $2,185,713,600 | 267 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1177% | 5,685 |
| Cost of funding earning assets | 0.7718% | 591 |
| Net interest margin | 2.3459% | 6,007 |
| Noninterest income to average assets | 0.2382% | 5,228 |
| Noninterest expense to average assets | 2.1137% | 5,248 |
| Loan and lease loss provision to assets | 0.2081% | 946 |
| Net operating income to assets | 0.1033% | 5,845 |
| Return on assets (ROA) | 0.1033% | 5,882 |
| Pretax return on assets | 0.0500% | 5,935 |
| Return on Equity (ROE) | 0.6506% | 5,906 |
| Retained earnings to average equity (ytd only) | 0.6506% | 5,428 |
| Net charge-offs to loans | 0.0674% | 2,604 |
| Credit loss provision to net charge-offs | 584.9003% | 582 |
| Earnings coverage of net charge-offs (x) | 7.2555% | 2,938 |
| Efficiency ratio | 88.9221% | 765 |
| Assets per employee ($millions) | 9.4266% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7317% | 5,652 |
| Loan loss allowance to noncurrent loans | 82.2446% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5507% | 3,656 |
| Noncurrent loans to loans | 0.8897% | 2,752 |
| Net loans and leases to total assets | 55.8290% | 4,375 |
| Net loans and leases to deposits | 85.3270% | 2,235 |
| Net loans and leases to core deposits | 96.7235% | 1,818 |
| Total domestic deposits to total assets | 65.4294% | 6,106 |
| Equity capital to assets | 18.1967% | 329 |
| Core capital (leverage) ratio | 16.3997% | 440 |
| Tier 1 risk-based capital ratio | 26.2906% | 743 |
| Total risk-based capital ratio | 26.9720% | 781 |
| Memoranda: | ||
| Average total assets | $3,946,497,750 | 231 |
| Average earning assets | $3,589,245,000 | 228 |
| Average equity | $626,902,750 | 183 |
| Average total loans | $2,081,704,500 | 278 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1216% | 5,717 |
| Cost of funding earning assets | 0.7508% | 641 |
| Net interest margin | 2.3708% | 6,059 |
| Noninterest income to average assets | 0.2394% | 5,242 |
| Noninterest expense to average assets | 2.3227% | 4,788 |
| Loan and lease loss provision to assets | 0.1837% | 1,108 |
| Net operating income to assets | 0.0143% | 5,978 |
| Return on assets (ROA) | 0.0143% | 6,013 |
| Pretax return on assets | -0.1056% | 6,070 |
| Return on Equity (ROE) | 0.0953% | 6,014 |
| Retained earnings to average equity (ytd only) | 0.0953% | 5,477 |
| Net charge-offs to loans | 0.0504% | 2,707 |
| Credit loss provision to net charge-offs | 709.2742% | 477 |
| Earnings coverage of net charge-offs (x) | 3.0161% | 3,256 |
| Efficiency ratio | 96.5431% | 420 |
| Assets per employee ($millions) | 9.2442% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7421% | 5,727 |
| Loan loss allowance to noncurrent loans | 68.1634% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 3,692 |
| Noncurrent loans to loans | 1.0888% | 2,475 |
| Net loans and leases to total assets | 49.2994% | 4,996 |
| Net loans and leases to deposits | 74.1502% | 3,475 |
| Net loans and leases to core deposits | 83.7340% | 3,005 |
| Total domestic deposits to total assets | 66.4858% | 6,159 |
| Equity capital to assets | 18.5278% | 295 |
| Core capital (leverage) ratio | 16.4657% | 416 |
| Tier 1 risk-based capital ratio | 29.7387% | 561 |
| Total risk-based capital ratio | 30.4218% | 572 |
| Memoranda: | ||
| Average total assets | $3,829,156,330 | 237 |
| Average earning assets | $3,491,011,000 | 237 |
| Average equity | $575,140,000 | 194 |
| Average total loans | $1,969,768,670 | 287 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2441% | 5,567 |
| Cost of funding earning assets | 0.7687% | 593 |
| Net interest margin | 2.4754% | 6,048 |
| Noninterest income to average assets | 0.3415% | 4,466 |
| Noninterest expense to average assets | 1.9036% | 5,748 |
| Loan and lease loss provision to assets | 0.1942% | 960 |
| Net operating income to assets | 0.4321% | 4,937 |
| Return on assets (ROA) | 0.4321% | 5,059 |
| Pretax return on assets | 0.5073% | 5,163 |
| Return on Equity (ROE) | 3.3310% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.3310% | 3,984 |
| Net charge-offs to loans | 0.0542% | 2,232 |
| Credit loss provision to net charge-offs | 682.5581% | 436 |
| Earnings coverage of net charge-offs (x) | 24.6550% | 1,289 |
| Efficiency ratio | 72.8716% | 3,016 |
| Assets per employee ($millions) | 8.2429% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7070% | 5,894 |
| Loan loss allowance to noncurrent loans | 52.8514% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 3,193 |
| Noncurrent loans to loans | 1.3378% | 2,150 |
| Net loans and leases to total assets | 53.3327% | 4,514 |
| Net loans and leases to deposits | 78.2028% | 2,776 |
| Net loans and leases to core deposits | 90.5467% | 2,083 |
| Total domestic deposits to total assets | 68.1980% | 6,193 |
| Equity capital to assets | 12.7177% | 1,562 |
| Core capital (leverage) ratio | 10.6451% | 2,797 |
| Tier 1 risk-based capital ratio | 17.5092% | 2,296 |
| Total risk-based capital ratio | 18.1785% | 2,459 |
| Memoranda: | ||
| Average total assets | $3,626,812,500 | 244 |
| Average earning assets | $3,316,642,500 | 242 |
| Average equity | $470,490,500 | 221 |
| Average total loans | $1,903,221,000 | 292 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2099% | 5,823 |
| Cost of funding earning assets | 0.7754% | 741 |
| Net interest margin | 2.4344% | 6,208 |
| Noninterest income to average assets | 0.1803% | 5,775 |
| Noninterest expense to average assets | 1.9258% | 5,897 |
| Loan and lease loss provision to assets | 0.1237% | 2,119 |
| Net operating income to assets | 0.2599% | 5,627 |
| Return on assets (ROA) | 0.2879% | 5,616 |
| Pretax return on assets | 0.3873% | 5,515 |
| Return on Equity (ROE) | 2.1448% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.1448% | 4,708 |
| Net charge-offs to loans | 0.1848% | 2,193 |
| Credit loss provision to net charge-offs | 134.6020% | 1,755 |
| Earnings coverage of net charge-offs (x) | 5.1468% | 3,489 |
| Efficiency ratio | 80.0863% | 1,915 |
| Assets per employee ($millions) | 7.7726% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 6,003 |
| Loan loss allowance to noncurrent loans | 50.3662% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7706% | 3,289 |
| Noncurrent loans to loans | 1.3773% | 2,126 |
| Net loans and leases to total assets | 50.8277% | 4,885 |
| Net loans and leases to deposits | 72.3581% | 3,635 |
| Net loans and leases to core deposits | 82.9833% | 2,995 |
| Total domestic deposits to total assets | 70.2447% | 6,184 |
| Equity capital to assets | 13.2393% | 1,253 |
| Core capital (leverage) ratio | 10.5105% | 2,936 |
| Tier 1 risk-based capital ratio | 19.0691% | 1,826 |
| Total risk-based capital ratio | 19.7335% | 1,965 |
| Memoranda: | ||
| Average total assets | $3,430,029,800 | 242 |
| Average earning assets | $3,126,060,000 | 242 |
| Average equity | $460,471,400 | 217 |
| Average total loans | $1,706,522,800 | 300 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2004% | 5,898 |
| Cost of funding earning assets | 0.7675% | 809 |
| Net interest margin | 2.4329% | 6,275 |
| Noninterest income to average assets | 0.1775% | 5,854 |
| Noninterest expense to average assets | 1.9473% | 5,866 |
| Loan and lease loss provision to assets | 0.0985% | 2,399 |
| Net operating income to assets | 0.2622% | 5,705 |
| Return on assets (ROA) | 0.3002% | 5,654 |
| Pretax return on assets | 0.3986% | 5,579 |
| Return on Equity (ROE) | 2.2280% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.2280% | 4,946 |
| Net charge-offs to loans | 0.1269% | 2,525 |
| Credit loss provision to net charge-offs | 157.0982% | 1,525 |
| Earnings coverage of net charge-offs (x) | 7.1232% | 2,975 |
| Efficiency ratio | 81.1718% | 1,732 |
| Assets per employee ($millions) | 7.9132% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 6,099 |
| Loan loss allowance to noncurrent loans | 49.1892% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 3,495 |
| Noncurrent loans to loans | 1.4241% | 2,281 |
| Net loans and leases to total assets | 50.0531% | 5,002 |
| Net loans and leases to deposits | 71.4963% | 3,736 |
| Net loans and leases to core deposits | 81.5426% | 3,147 |
| Total domestic deposits to total assets | 70.0079% | 6,286 |
| Equity capital to assets | 13.3198% | 1,271 |
| Core capital (leverage) ratio | 10.5448% | 2,989 |
| Tier 1 risk-based capital ratio | 19.2576% | 1,836 |
| Total risk-based capital ratio | 19.9232% | 1,964 |
| Memoranda: | ||
| Average total assets | $3,401,462,250 | 241 |
| Average earning assets | $3,098,498,500 | 238 |
| Average equity | $458,279,500 | 214 |
| Average total loans | $1,679,635,750 | 300 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1769% | 5,978 |
| Cost of funding earning assets | 0.7570% | 895 |
| Net interest margin | 2.4199% | 6,340 |
| Noninterest income to average assets | 0.1767% | 5,890 |
| Noninterest expense to average assets | 1.9653% | 5,883 |
| Loan and lease loss provision to assets | 0.0983% | 2,389 |
| Net operating income to assets | 0.2239% | 5,772 |
| Return on assets (ROA) | 0.2783% | 5,713 |
| Pretax return on assets | 0.3931% | 5,586 |
| Return on Equity (ROE) | 2.0578% | 5,825 |
| Retained earnings to average equity (ytd only) | 2.0578% | 4,863 |
| Net charge-offs to loans | 0.0922% | 2,764 |
| Credit loss provision to net charge-offs | 217.6316% | 1,092 |
| Earnings coverage of net charge-offs (x) | 9.1789% | 2,391 |
| Efficiency ratio | 82.4320% | 1,696 |
| Assets per employee ($millions) | 7.9045% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 6,155 |
| Loan loss allowance to noncurrent loans | 48.9547% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 3,617 |
| Noncurrent loans to loans | 1.4530% | 2,375 |
| Net loans and leases to total assets | 49.4904% | 5,015 |
| Net loans and leases to deposits | 69.4347% | 3,892 |
| Net loans and leases to core deposits | 78.9320% | 3,326 |
| Total domestic deposits to total assets | 71.2762% | 6,300 |
| Equity capital to assets | 13.5129% | 1,150 |
| Core capital (leverage) ratio | 10.7504% | 2,673 |
| Tier 1 risk-based capital ratio | 19.7783% | 1,742 |
| Total risk-based capital ratio | 20.4514% | 1,837 |
| Memoranda: | ||
| Average total assets | $3,364,133,000 | 242 |
| Average earning assets | $3,062,971,330 | 238 |
| Average equity | $455,044,670 | 214 |
| Average total loans | $1,649,182,000 | 297 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2004% | 6,001 |
| Cost of funding earning assets | 0.7410% | 1,005 |
| Net interest margin | 2.4593% | 6,365 |
| Noninterest income to average assets | 0.1837% | 5,862 |
| Noninterest expense to average assets | 2.1095% | 5,666 |
| Loan and lease loss provision to assets | 0.1067% | 2,142 |
| Net operating income to assets | 0.1467% | 5,935 |
| Return on assets (ROA) | 0.2192% | 5,796 |
| Pretax return on assets | 0.3036% | 5,709 |
| Return on Equity (ROE) | 1.6197% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.6197% | 4,962 |
| Net charge-offs to loans | 0.0711% | 2,438 |
| Credit loss provision to net charge-offs | 308.7719% | 780 |
| Earnings coverage of net charge-offs (x) | 8.9614% | 1,978 |
| Efficiency ratio | 87.0552% | 1,333 |
| Assets per employee ($millions) | 7.9883% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7320% | 6,221 |
| Loan loss allowance to noncurrent loans | 44.0445% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 3,533 |
| Noncurrent loans to loans | 1.6620% | 2,332 |
| Net loans and leases to total assets | 48.8574% | 5,019 |
| Net loans and leases to deposits | 68.1302% | 3,844 |
| Net loans and leases to core deposits | 77.3173% | 3,277 |
| Total domestic deposits to total assets | 71.7119% | 6,376 |
| Equity capital to assets | 13.4086% | 1,136 |
| Core capital (leverage) ratio | 10.6418% | 2,769 |
| Tier 1 risk-based capital ratio | 19.2797% | 1,882 |
| Total risk-based capital ratio | 19.9533% | 2,018 |
| Memoranda: | ||
| Average total assets | $3,299,311,000 | 245 |
| Average earning assets | $2,999,042,000 | 240 |
| Average equity | $446,512,000 | 218 |
| Average total loans | $1,603,037,500 | 304 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2715% | 6,043 |
| Cost of funding earning assets | 0.7473% | 1,512 |
| Net interest margin | 2.5242% | 6,353 |
| Noninterest income to average assets | 0.2130% | 5,809 |
| Noninterest expense to average assets | 2.2553% | 5,489 |
| Loan and lease loss provision to assets | 0.1455% | 2,478 |
| Net operating income to assets | 0.0764% | 6,089 |
| Return on assets (ROA) | 0.3062% | 5,601 |
| Pretax return on assets | 0.4147% | 5,461 |
| Return on Equity (ROE) | 2.0704% | 5,819 |
| Retained earnings to average equity (ytd only) | 0.9676% | 5,405 |
| Net charge-offs to loans | 0.2528% | 2,456 |
| Credit loss provision to net charge-offs | 125.2457% | 1,894 |
| Earnings coverage of net charge-offs (x) | 2.1500% | 4,314 |
| Efficiency ratio | 89.8628% | 1,032 |
| Assets per employee ($millions) | 7.6862% | 553 |
| Cash dividends to net income (ytd only)* | 53.2652% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 6,296 |
| Loan loss allowance to noncurrent loans | 44.3677% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 3,678 |
| Noncurrent loans to loans | 1.6661% | 2,410 |
| Net loans and leases to total assets | 47.5803% | 5,340 |
| Net loans and leases to deposits | 64.6867% | 4,442 |
| Net loans and leases to core deposits | 73.6559% | 3,874 |
| Total domestic deposits to total assets | 73.5550% | 6,313 |
| Equity capital to assets | 13.6627% | 1,004 |
| Core capital (leverage) ratio | 10.9422% | 2,442 |
| Tier 1 risk-based capital ratio | 19.5271% | 1,774 |
| Total risk-based capital ratio | 20.1794% | 1,901 |
| Memoranda: | ||
| Average total assets | $3,066,131,800 | 248 |
| Average earning assets | $2,784,080,800 | 245 |
| Average equity | $453,386,000 | 211 |
| Average total loans | $1,408,856,000 | 323 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2551% | 6,127 |
| Cost of funding earning assets | 0.7413% | 1,657 |
| Net interest margin | 2.5137% | 6,414 |
| Noninterest income to average assets | 0.2195% | 5,859 |
| Noninterest expense to average assets | 2.3741% | 5,102 |
| Loan and lease loss provision to assets | 0.1721% | 2,112 |
| Net operating income to assets | -0.0328% | 6,324 |
| Return on assets (ROA) | 0.2788% | 5,791 |
| Pretax return on assets | 0.3663% | 5,709 |
| Return on Equity (ROE) | 1.8478% | 5,990 |
| Retained earnings to average equity (ytd only) | 0.3857% | 5,813 |
| Net charge-offs to loans | 0.3001% | 2,034 |
| Credit loss provision to net charge-offs | 126.2868% | 1,864 |
| Earnings coverage of net charge-offs (x) | 0.9421% | 4,536 |
| Efficiency ratio | 94.6964% | 696 |
| Assets per employee ($millions) | 7.6675% | 541 |
| Cash dividends to net income (ytd only)* | 79.1265% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 6,337 |
| Loan loss allowance to noncurrent loans | 38.1064% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 3,647 |
| Noncurrent loans to loans | 2.0147% | 2,233 |
| Net loans and leases to total assets | 45.7790% | 5,568 |
| Net loans and leases to deposits | 63.0064% | 4,631 |
| Net loans and leases to core deposits | 71.2847% | 4,179 |
| Total domestic deposits to total assets | 72.6577% | 6,455 |
| Equity capital to assets | 13.8271% | 1,012 |
| Core capital (leverage) ratio | 10.9311% | 2,549 |
| Tier 1 risk-based capital ratio | 20.1854% | 1,689 |
| Total risk-based capital ratio | 20.8615% | 1,798 |
| Memoranda: | ||
| Average total assets | $3,021,775,750 | 248 |
| Average earning assets | $2,744,372,000 | 245 |
| Average equity | $455,943,250 | 208 |
| Average total loans | $1,372,373,000 | 331 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 6,161 |
| Cost of funding earning assets | 0.7501% | 1,713 |
| Net interest margin | 2.4973% | 6,454 |
| Noninterest income to average assets | 0.2196% | 5,869 |
| Noninterest expense to average assets | 2.6194% | 4,318 |
| Loan and lease loss provision to assets | 0.1849% | 2,045 |
| Net operating income to assets | -0.2545% | 6,522 |
| Return on assets (ROA) | 0.2485% | 5,906 |
| Pretax return on assets | 0.3114% | 5,846 |
| Return on Equity (ROE) | 1.5983% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.5983% | 5,229 |
| Net charge-offs to loans | 0.3641% | 1,745 |
| Credit loss provision to net charge-offs | 112.4280% | 1,974 |
| Earnings coverage of net charge-offs (x) | -0.8058% | 4,695 |
| Efficiency ratio | 105.1480% | 362 |
| Assets per employee ($millions) | 7.3520% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 6,350 |
| Loan loss allowance to noncurrent loans | 35.2427% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 3,614 |
| Noncurrent loans to loans | 2.2719% | 2,092 |
| Net loans and leases to total assets | 43.1031% | 5,817 |
| Net loans and leases to deposits | 56.7575% | 5,270 |
| Net loans and leases to core deposits | 64.2876% | 4,863 |
| Total domestic deposits to total assets | 75.9425% | 6,255 |
| Equity capital to assets | 14.2881% | 880 |
| Core capital (leverage) ratio | 11.3170% | 2,083 |
| Tier 1 risk-based capital ratio | 21.1006% | 1,468 |
| Total risk-based capital ratio | 21.7719% | 1,579 |
| Memoranda: | ||
| Average total assets | $2,955,589,000 | 255 |
| Average earning assets | $2,683,419,670 | 249 |
| Average equity | $459,497,670 | 207 |
| Average total loans | $1,334,616,000 | 336 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 6,060 |
| Cost of funding earning assets | 0.8297% | 1,368 |
| Net interest margin | 2.5124% | 6,495 |
| Noninterest income to average assets | 0.2617% | 5,590 |
| Noninterest expense to average assets | 3.3247% | 2,025 |
| Loan and lease loss provision to assets | 0.1963% | 1,887 |
| Net operating income to assets | -0.8317% | 6,771 |
| Return on assets (ROA) | 0.2399% | 5,886 |
| Pretax return on assets | 0.2830% | 5,892 |
| Return on Equity (ROE) | 1.4780% | 6,096 |
| Retained earnings to average equity (ytd only) | 1.4780% | 5,250 |
| Net charge-offs to loans | 0.3762% | 1,515 |
| Credit loss provision to net charge-offs | 113.1939% | 1,667 |
| Earnings coverage of net charge-offs (x) | -4.5068% | 4,066 |
| Efficiency ratio | 130.5469% | 146 |
| Assets per employee ($millions) | 6.7909% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 6,453 |
| Loan loss allowance to noncurrent loans | 37.9699% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1227% | 3,691 |
| Noncurrent loans to loans | 2.1129% | 2,486 |
| Net loans and leases to total assets | 46.6380% | 5,368 |
| Net loans and leases to deposits | 61.5544% | 4,605 |
| Net loans and leases to core deposits | 63.9483% | 4,744 |
| Total domestic deposits to total assets | 75.7672% | 6,385 |
| Equity capital to assets | 16.1997% | 525 |
| Core capital (leverage) ratio | 12.5025% | 1,336 |
| Tier 1 risk-based capital ratio | 23.3389% | 1,103 |
| Total risk-based capital ratio | 24.0771% | 1,163 |
| Memoranda: | ||
| Average total assets | $2,867,399,000 | 263 |
| Average earning assets | $2,603,889,000 | 260 |
| Average equity | $465,497,500 | 210 |
| Average total loans | $1,321,488,500 | 342 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 6,254 |
| Cost of funding earning assets | 0.9930% | 1,397 |
| Net interest margin | 2.5843% | 6,647 |
| Noninterest income to average assets | 0.1265% | 6,403 |
| Noninterest expense to average assets | 2.0569% | 6,216 |
| Loan and lease loss provision to assets | 0.1762% | 3,421 |
| Net operating income to assets | 0.1625% | 5,859 |
| Return on assets (ROA) | 0.1892% | 5,981 |
| Pretax return on assets | 0.2806% | 5,854 |
| Return on Equity (ROE) | 1.1677% | 6,094 |
| Retained earnings to average equity (ytd only) | -0.1131% | 5,871 |
| Net charge-offs to loans | 0.2433% | 3,487 |
| Credit loss provision to net charge-offs | 164.5349% | 1,627 |
| Earnings coverage of net charge-offs (x) | 3.8953% | 3,556 |
| Efficiency ratio | 82.9385% | 1,755 |
| Assets per employee ($millions) | 6.8147% | 852 |
| Cash dividends to net income (ytd only)* | 109.6892% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8137% | 6,460 |
| Loan loss allowance to noncurrent loans | 32.8404% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2449% | 3,568 |
| Noncurrent loans to loans | 2.4776% | 2,141 |
| Net loans and leases to total assets | 44.8004% | 5,748 |
| Net loans and leases to deposits | 60.1463% | 5,012 |
| Net loans and leases to core deposits | 62.3692% | 5,117 |
| Total domestic deposits to total assets | 74.4857% | 6,489 |
| Equity capital to assets | 16.2682% | 505 |
| Core capital (leverage) ratio | 12.3551% | 1,379 |
| Tier 1 risk-based capital ratio | 24.5963% | 899 |
| Total risk-based capital ratio | 25.3673% | 937 |
| Memoranda: | ||
| Average total assets | $2,891,841,200 | 254 |
| Average earning assets | $2,626,768,200 | 248 |
| Average equity | $468,440,800 | 204 |
| Average total loans | $1,272,605,200 | 343 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 6,304 |
| Cost of funding earning assets | 1.0237% | 1,428 |
| Net interest margin | 2.6330% | 6,722 |
| Noninterest income to average assets | 0.1199% | 6,539 |
| Noninterest expense to average assets | 2.0478% | 6,278 |
| Loan and lease loss provision to assets | 0.1705% | 3,421 |
| Net operating income to assets | 0.1949% | 5,933 |
| Return on assets (ROA) | 0.1965% | 6,094 |
| Pretax return on assets | 0.2938% | 5,969 |
| Return on Equity (ROE) | 1.2143% | 6,214 |
| Retained earnings to average equity (ytd only) | -0.4940% | 6,175 |
| Net charge-offs to loans | 0.2580% | 3,182 |
| Credit loss provision to net charge-offs | 151.1846% | 1,868 |
| Earnings coverage of net charge-offs (x) | 4.0956% | 3,404 |
| Efficiency ratio | 81.3918% | 1,887 |
| Assets per employee ($millions) | 6.9656% | 757 |
| Cash dividends to net income (ytd only)* | 140.6801% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 6,664 |
| Loan loss allowance to noncurrent loans | 32.4343% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 1.2092% | 3,873 |
| Noncurrent loans to loans | 2.3579% | 2,447 |
| Net loans and leases to total assets | 43.9979% | 5,969 |
| Net loans and leases to deposits | 59.3794% | 5,274 |
| Net loans and leases to core deposits | 62.0136% | 5,360 |
| Total domestic deposits to total assets | 74.0962% | 6,597 |
| Equity capital to assets | 16.2802% | 560 |
| Core capital (leverage) ratio | 12.1569% | 1,558 |
| Tier 1 risk-based capital ratio | 24.4878% | 955 |
| Total risk-based capital ratio | 25.2046% | 1,009 |
| Memoranda: | ||
| Average total assets | $2,894,150,250 | 252 |
| Average earning assets | $2,626,754,750 | 248 |
| Average equity | $468,314,250 | 208 |
| Average total loans | $1,265,253,500 | 348 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 6,319 |
| Cost of funding earning assets | 1.0430% | 1,506 |
| Net interest margin | 2.6640% | 6,755 |
| Noninterest income to average assets | 0.1021% | 6,670 |
| Noninterest expense to average assets | 2.0286% | 6,373 |
| Loan and lease loss provision to assets | 0.2326% | 2,747 |
| Net operating income to assets | 0.1769% | 5,987 |
| Return on assets (ROA) | 0.1793% | 6,153 |
| Pretax return on assets | 0.2695% | 6,024 |
| Return on Equity (ROE) | 1.1106% | 6,279 |
| Retained earnings to average equity (ytd only) | -1.4602% | 6,284 |
| Net charge-offs to loans | 0.2928% | 2,855 |
| Credit loss provision to net charge-offs | 182.6181% | 1,552 |
| Earnings coverage of net charge-offs (x) | 3.9136% | 3,234 |
| Efficiency ratio | 80.0712% | 2,158 |
| Assets per employee ($millions) | 6.8099% | 809 |
| Cash dividends to net income (ytd only)* | 231.4815% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 6,698 |
| Loan loss allowance to noncurrent loans | 30.2018% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 1.2918% | 3,842 |
| Noncurrent loans to loans | 2.6084% | 2,302 |
| Net loans and leases to total assets | 43.6127% | 6,053 |
| Net loans and leases to deposits | 58.4887% | 5,399 |
| Net loans and leases to core deposits | 61.2993% | 5,460 |
| Total domestic deposits to total assets | 74.5661% | 6,628 |
| Equity capital to assets | 15.9912% | 578 |
| Core capital (leverage) ratio | 12.0602% | 1,574 |
| Tier 1 risk-based capital ratio | 24.6223% | 942 |
| Total risk-based capital ratio | 25.3673% | 982 |
| Memoranda: | ||
| Average total assets | $2,890,652,000 | 254 |
| Average earning assets | $2,631,258,330 | 248 |
| Average equity | $466,791,670 | 205 |
| Average total loans | $1,257,727,670 | 353 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 6,335 |
| Cost of funding earning assets | 1.0674% | 1,580 |
| Net interest margin | 2.6884% | 6,787 |
| Noninterest income to average assets | 0.0451% | 6,953 |
| Noninterest expense to average assets | 2.0352% | 6,401 |
| Loan and lease loss provision to assets | 0.1749% | 3,216 |
| Net operating income to assets | 0.1945% | 6,001 |
| Return on assets (ROA) | 0.1945% | 6,150 |
| Pretax return on assets | 0.2844% | 6,013 |
| Return on Equity (ROE) | 1.1985% | 6,309 |
| Retained earnings to average equity (ytd only) | 1.1985% | 5,611 |
| Net charge-offs to loans | 0.2420% | 2,721 |
| Credit loss provision to net charge-offs | 166.9323% | 1,524 |
| Earnings coverage of net charge-offs (x) | 4.3838% | 2,581 |
| Efficiency ratio | 81.3832% | 2,022 |
| Assets per employee ($millions) | 6.8872% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7219% | 6,851 |
| Loan loss allowance to noncurrent loans | 23.7313% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 1.5153% | 3,580 |
| Noncurrent loans to loans | 3.0419% | 2,125 |
| Net loans and leases to total assets | 43.1626% | 6,086 |
| Net loans and leases to deposits | 57.9208% | 5,384 |
| Net loans and leases to core deposits | 60.8035% | 5,456 |
| Total domestic deposits to total assets | 74.5200% | 6,696 |
| Equity capital to assets | 16.1236% | 556 |
| Core capital (leverage) ratio | 12.2865% | 1,442 |
| Tier 1 risk-based capital ratio | 25.5629% | 845 |
| Total risk-based capital ratio | 26.2495% | 893 |
| Memoranda: | ||
| Average total assets | $2,875,259,500 | 255 |
| Average earning assets | $2,619,543,000 | 248 |
| Average equity | $466,601,000 | 203 |
| Average total loans | $1,244,473,500 | 353 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 6,539 |
| Cost of funding earning assets | 1.1886% | 2,101 |
| Net interest margin | 2.7689% | 6,855 |
| Noninterest income to average assets | 0.0993% | 6,642 |
| Noninterest expense to average assets | 2.0025% | 6,671 |
| Loan and lease loss provision to assets | 0.1702% | 4,512 |
| Net operating income to assets | 0.2978% | 5,266 |
| Return on assets (ROA) | 0.3151% | 5,354 |
| Pretax return on assets | 0.4703% | 5,074 |
| Return on Equity (ROE) | 1.9800% | 5,668 |
| Retained earnings to average equity (ytd only) | 1.4771% | 5,155 |
| Net charge-offs to loans | 0.0603% | 5,697 |
| Credit loss provision to net charge-offs | 640.8912% | 352 |
| Earnings coverage of net charge-offs (x) | 23.1481% | 1,037 |
| Efficiency ratio | 76.2801% | 2,842 |
| Assets per employee ($millions) | 6.8206% | 808 |
| Cash dividends to net income (ytd only)* | 25.3975% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 6,907 |
| Loan loss allowance to noncurrent loans | 21.9757% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 1.5956% | 3,559 |
| Noncurrent loans to loans | 3.1844% | 2,035 |
| Net loans and leases to total assets | 42.7830% | 6,319 |
| Net loans and leases to deposits | 57.4429% | 5,758 |
| Net loans and leases to core deposits | 60.0549% | 5,844 |
| Total domestic deposits to total assets | 74.4792% | 6,672 |
| Equity capital to assets | 16.3344% | 541 |
| Core capital (leverage) ratio | 12.4399% | 1,374 |
| Tier 1 risk-based capital ratio | 25.7778% | 796 |
| Total risk-based capital ratio | 26.4353% | 833 |
| Memoranda: | ||
| Average total assets | $2,873,661,800 | 249 |
| Average earning assets | $2,613,025,000 | 244 |
| Average equity | $457,372,600 | 195 |
| Average total loans | $1,264,980,200 | 340 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 6,579 |
| Cost of funding earning assets | 1.2049% | 2,290 |
| Net interest margin | 2.8012% | 6,881 |
| Noninterest income to average assets | 0.1719% | 6,358 |
| Noninterest expense to average assets | 1.9954% | 6,702 |
| Loan and lease loss provision to assets | 0.1652% | 4,412 |
| Net operating income to assets | 0.3730% | 5,113 |
| Return on assets (ROA) | 0.3962% | 5,197 |
| Pretax return on assets | 0.5942% | 4,828 |
| Return on Equity (ROE) | 2.5059% | 5,622 |
| Retained earnings to average equity (ytd only) | 1.8323% | 5,220 |
| Net charge-offs to loans | 0.2512% | 3,857 |
| Credit loss provision to net charge-offs | 148.5631% | 2,117 |
| Earnings coverage of net charge-offs (x) | 6.5181% | 2,539 |
| Efficiency ratio | 73.1244% | 3,343 |
| Assets per employee ($millions) | 7.0062% | 736 |
| Cash dividends to net income (ytd only)* | 26.8786% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4554% | 7,188 |
| Loan loss allowance to noncurrent loans | 15.6920% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 1.4989% | 3,868 |
| Noncurrent loans to loans | 2.9020% | 2,402 |
| Net loans and leases to total assets | 42.5701% | 6,458 |
| Net loans and leases to deposits | 57.1462% | 5,923 |
| Net loans and leases to core deposits | 60.0364% | 5,993 |
| Total domestic deposits to total assets | 74.4934% | 6,705 |
| Equity capital to assets | 16.0816% | 615 |
| Core capital (leverage) ratio | 12.2189% | 1,583 |
| Tier 1 risk-based capital ratio | 25.4726% | 873 |
| Total risk-based capital ratio | 25.8997% | 932 |
| Memoranda: | ||
| Average total assets | $2,879,323,000 | 247 |
| Average earning assets | $2,619,202,000 | 242 |
| Average equity | $455,291,500 | 196 |
| Average total loans | $1,274,138,500 | 337 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 6,514 |
| Cost of funding earning assets | 1.2155% | 2,473 |
| Net interest margin | 2.8741% | 6,836 |
| Noninterest income to average assets | 0.1798% | 6,372 |
| Noninterest expense to average assets | 2.0146% | 6,756 |
| Loan and lease loss provision to assets | 0.1741% | 4,186 |
| Net operating income to assets | 0.4171% | 4,866 |
| Return on assets (ROA) | 0.4531% | 4,845 |
| Pretax return on assets | 0.6591% | 4,538 |
| Return on Equity (ROE) | 2.8818% | 5,446 |
| Retained earnings to average equity (ytd only) | 1.8639% | 5,050 |
| Net charge-offs to loans | 0.2433% | 3,662 |
| Credit loss provision to net charge-offs | 159.8722% | 1,898 |
| Earnings coverage of net charge-offs (x) | 7.1732% | 2,262 |
| Efficiency ratio | 71.8225% | 3,777 |
| Assets per employee ($millions) | 7.0998% | 691 |
| Cash dividends to net income (ytd only)* | 35.3194% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4284% | 7,275 |
| Loan loss allowance to noncurrent loans | 18.8606% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 4,402 |
| Noncurrent loans to loans | 2.2713% | 3,139 |
| Net loans and leases to total assets | 43.3795% | 6,488 |
| Net loans and leases to deposits | 58.2825% | 5,908 |
| Net loans and leases to core deposits | 62.3605% | 5,872 |
| Total domestic deposits to total assets | 74.4297% | 6,793 |
| Equity capital to assets | 15.8266% | 635 |
| Core capital (leverage) ratio | 12.0850% | 1,562 |
| Tier 1 risk-based capital ratio | 24.9097% | 913 |
| Total risk-based capital ratio | 25.3133% | 981 |
| Memoranda: | ||
| Average total assets | $2,874,570,670 | 249 |
| Average earning assets | $2,616,266,330 | 242 |
| Average equity | $451,944,000 | 200 |
| Average total loans | $1,286,372,670 | 344 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 6,581 |
| Cost of funding earning assets | 1.2350% | 2,597 |
| Net interest margin | 2.8260% | 6,870 |
| Noninterest income to average assets | 0.1525% | 6,631 |
| Noninterest expense to average assets | 2.0079% | 6,822 |
| Loan and lease loss provision to assets | 0.1943% | 3,685 |
| Net operating income to assets | 0.3800% | 5,030 |
| Return on assets (ROA) | 0.3772% | 5,120 |
| Pretax return on assets | 0.5173% | 4,969 |
| Return on Equity (ROE) | 2.4070% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.4070% | 4,707 |
| Net charge-offs to loans | 0.3823% | 2,543 |
| Credit loss provision to net charge-offs | 112.0870% | 2,391 |
| Earnings coverage of net charge-offs (x) | 4.1273% | 2,554 |
| Efficiency ratio | 73.7279% | 3,566 |
| Assets per employee ($millions) | 7.0343% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3599% | 7,369 |
| Loan loss allowance to noncurrent loans | 12.9040% | 6,962 |
| Noncurrent assets plus other real estate owned to assets | 1.3012% | 4,365 |
| Noncurrent loans to loans | 2.7894% | 2,713 |
| Net loans and leases to total assets | 44.5511% | 6,425 |
| Net loans and leases to deposits | 59.5452% | 5,764 |
| Net loans and leases to core deposits | 62.5973% | 5,866 |
| Total domestic deposits to total assets | 74.8191% | 6,822 |
| Equity capital to assets | 15.6903% | 629 |
| Core capital (leverage) ratio | 12.0874% | 1,514 |
| Tier 1 risk-based capital ratio | 24.7361% | 906 |
| Total risk-based capital ratio | 25.0796% | 970 |
| Memoranda: | ||
| Average total assets | $2,863,492,500 | 250 |
| Average earning assets | $2,605,000,000 | 246 |
| Average equity | $448,690,000 | 200 |
| Average total loans | $1,298,563,500 | 344 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 6,849 |
| Cost of funding earning assets | 1.5678% | 2,257 |
| Net interest margin | 2.6911% | 7,130 |
| Noninterest income to average assets | 0.1154% | 6,829 |
| Noninterest expense to average assets | 2.0693% | 6,913 |
| Loan and lease loss provision to assets | 0.1369% | 5,805 |
| Net operating income to assets | 0.2026% | 5,259 |
| Return on assets (ROA) | 0.2148% | 5,391 |
| Pretax return on assets | 0.3877% | 4,984 |
| Return on Equity (ROE) | 1.1247% | 5,662 |
| Retained earnings to average equity (ytd only) | -18.7648% | 6,990 |
| Net charge-offs to loans | 0.3065% | 4,485 |
| Credit loss provision to net charge-offs | 100.0610% | 4,558 |
| Earnings coverage of net charge-offs (x) | 3.6952% | 3,234 |
| Efficiency ratio | 80.3518% | 2,371 |
| Assets per employee ($millions) | 7.0543% | 727 |
| Cash dividends to net income (ytd only)* | 1,768.3638% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3401% | 7,462 |
| Loan loss allowance to noncurrent loans | 14.5903% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 1.1297% | 4,750 |
| Noncurrent loans to loans | 2.3312% | 3,190 |
| Net loans and leases to total assets | 45.8323% | 6,569 |
| Net loans and leases to deposits | 61.2731% | 5,924 |
| Net loans and leases to core deposits | 65.8473% | 5,894 |
| Total domestic deposits to total assets | 74.7999% | 6,795 |
| Equity capital to assets | 15.6483% | 652 |
| Core capital (leverage) ratio | 12.0342% | 1,522 |
| Tier 1 risk-based capital ratio | 24.5256% | 888 |
| Total risk-based capital ratio | 24.8580% | 948 |
| Memoranda: | ||
| Average total assets | $2,395,623,200 | 298 |
| Average earning assets | $2,189,438,400 | 293 |
| Average equity | $457,527,000 | 195 |
| Average total loans | $1,069,551,400 | 420 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 6,784 |
| Cost of funding earning assets | 1.6627% | 2,036 |
| Net interest margin | 2.7587% | 7,170 |
| Noninterest income to average assets | 0.1126% | 6,982 |
| Noninterest expense to average assets | 2.0029% | 7,043 |
| Loan and lease loss provision to assets | 0.1406% | 5,625 |
| Net operating income to assets | 0.2838% | 5,229 |
| Return on assets (ROA) | 0.3008% | 5,327 |
| Pretax return on assets | 0.5210% | 4,856 |
| Return on Equity (ROE) | 1.4908% | 5,769 |
| Retained earnings to average equity (ytd only) | -0.2477% | 5,841 |
| Net charge-offs to loans | 0.3276% | 4,024 |
| Credit loss provision to net charge-offs | 97.0137% | 4,467 |
| Earnings coverage of net charge-offs (x) | 4.3822% | 3,073 |
| Efficiency ratio | 75.9144% | 2,969 |
| Assets per employee ($millions) | 8.5447% | 408 |
| Cash dividends to net income (ytd only)* | 116.6181% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4425% | 7,500 |
| Loan loss allowance to noncurrent loans | 21.9212% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 0.8672% | 5,359 |
| Noncurrent loans to loans | 2.0186% | 3,652 |
| Net loans and leases to total assets | 41.7583% | 6,992 |
| Net loans and leases to deposits | 59.2287% | 6,371 |
| Net loans and leases to core deposits | 61.2920% | 6,516 |
| Total domestic deposits to total assets | 70.5035% | 7,248 |
| Equity capital to assets | 19.6309% | 307 |
| Core capital (leverage) ratio | 16.2365% | 523 |
| Tier 1 risk-based capital ratio | 37.6281% | 292 |
| Total risk-based capital ratio | 38.0791% | 303 |
| Memoranda: | ||
| Average total assets | $2,280,281,750 | 307 |
| Average earning assets | $2,087,363,750 | 302 |
| Average equity | $460,141,500 | 192 |
| Average total loans | $1,008,466,250 | 444 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 6,745 |
| Cost of funding earning assets | 1.6939% | 2,148 |
| Net interest margin | 2.7912% | 7,154 |
| Noninterest income to average assets | 0.1115% | 7,049 |
| Noninterest expense to average assets | 2.0208% | 7,073 |
| Loan and lease loss provision to assets | 0.1024% | 5,891 |
| Net operating income to assets | 0.3114% | 5,132 |
| Return on assets (ROA) | 0.3373% | 5,192 |
| Pretax return on assets | 0.5873% | 4,603 |
| Return on Equity (ROE) | 1.6558% | 5,745 |
| Retained earnings to average equity (ytd only) | -0.9607% | 5,958 |
| Net charge-offs to loans | 0.3019% | 3,805 |
| Credit loss provision to net charge-offs | 75.3595% | 4,827 |
| Earnings coverage of net charge-offs (x) | 4.7765% | 2,847 |
| Efficiency ratio | 75.6621% | 3,129 |
| Assets per employee ($millions) | 8.3126% | 443 |
| Cash dividends to net income (ytd only)* | 158.0195% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4206% | 7,587 |
| Loan loss allowance to noncurrent loans | 24.3073% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 5,622 |
| Noncurrent loans to loans | 1.7305% | 4,093 |
| Net loans and leases to total assets | 43.1851% | 6,971 |
| Net loans and leases to deposits | 61.6871% | 6,258 |
| Net loans and leases to core deposits | 64.0251% | 6,398 |
| Total domestic deposits to total assets | 70.0068% | 7,331 |
| Equity capital to assets | 19.9040% | 287 |
| Core capital (leverage) ratio | 16.4369% | 511 |
| Tier 1 risk-based capital ratio | 37.5384% | 288 |
| Total risk-based capital ratio | 37.9758% | 302 |
| Memoranda: | ||
| Average total assets | $2,251,418,330 | 308 |
| Average earning assets | $2,063,687,000 | 303 |
| Average equity | $458,642,330 | 191 |
| Average total loans | $1,013,702,000 | 447 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 6,506 |
| Cost of funding earning assets | 1.7234% | 2,276 |
| Net interest margin | 2.8958% | 7,026 |
| Noninterest income to average assets | 0.1070% | 7,162 |
| Noninterest expense to average assets | 2.0096% | 7,141 |
| Loan and lease loss provision to assets | 0.1608% | 4,920 |
| Net operating income to assets | 0.3354% | 5,141 |
| Return on assets (ROA) | 0.3293% | 5,296 |
| Pretax return on assets | 0.5633% | 4,742 |
| Return on Equity (ROE) | 1.5971% | 5,921 |
| Retained earnings to average equity (ytd only) | -3.6623% | 6,454 |
| Net charge-offs to loans | 0.4560% | 2,679 |
| Credit loss provision to net charge-offs | 76.8566% | 3,956 |
| Earnings coverage of net charge-offs (x) | 3.5060% | 2,889 |
| Efficiency ratio | 73.2082% | 3,723 |
| Assets per employee ($millions) | 7.9831% | 522 |
| Cash dividends to net income (ytd only)* | 329.3085% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4332% | 7,665 |
| Loan loss allowance to noncurrent loans | 27.3195% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 5,712 |
| Noncurrent loans to loans | 1.5856% | 4,363 |
| Net loans and leases to total assets | 44.7830% | 6,918 |
| Net loans and leases to deposits | 64.6191% | 5,986 |
| Net loans and leases to core deposits | 67.1065% | 6,194 |
| Total domestic deposits to total assets | 69.3030% | 7,460 |
| Equity capital to assets | 20.3460% | 268 |
| Core capital (leverage) ratio | 16.9422% | 463 |
| Tier 1 risk-based capital ratio | 37.6559% | 297 |
| Total risk-based capital ratio | 38.1096% | 305 |
| Memoranda: | ||
| Average total assets | $2,213,357,000 | 322 |
| Average earning assets | $2,015,077,500 | 315 |
| Average equity | $456,327,000 | 192 |
| Average total loans | $1,015,854,000 | 468 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9059% | 6,700 |
| Cost of funding earning assets | 2.1216% | 2,357 |
| Net interest margin | 2.7843% | 7,085 |
| Noninterest income to average assets | 0.1175% | 7,170 |
| Noninterest expense to average assets | 2.0996% | 7,189 |
| Loan and lease loss provision to assets | 0.0790% | 6,813 |
| Net operating income to assets | 0.2748% | 4,627 |
| Return on assets (ROA) | 0.2486% | 4,805 |
| Pretax return on assets | 0.4341% | 4,391 |
| Return on Equity (ROE) | 1.1654% | 5,181 |
| Retained earnings to average equity (ytd only) | 1.1654% | 4,229 |
| Net charge-offs to loans | 0.2015% | 5,384 |
| Credit loss provision to net charge-offs | 78.7565% | 6,318 |
| Earnings coverage of net charge-offs (x) | 5.5233% | 2,572 |
| Efficiency ratio | 79.0695% | 3,030 |
| Assets per employee ($millions) | 7.8546% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4504% | 7,712 |
| Loan loss allowance to noncurrent loans | 27.2470% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 5,529 |
| Noncurrent loans to loans | 1.6532% | 4,170 |
| Net loans and leases to total assets | 46.6227% | 6,930 |
| Net loans and leases to deposits | 68.0067% | 5,827 |
| Net loans and leases to core deposits | 84.7745% | 5,644 |
| Total domestic deposits to total assets | 68.5560% | 7,513 |
| Equity capital to assets | 20.8933% | 254 |
| Core capital (leverage) ratio | 17.4528% | 439 |
| Tier 1 risk-based capital ratio | 37.9069% | 289 |
| Total risk-based capital ratio | 38.3873% | 291 |
| Memoranda: | ||
| Average total assets | $2,116,445,600 | 334 |
| Average earning assets | $1,927,778,600 | 330 |
| Average equity | $451,525,400 | 196 |
| Average total loans | $1,053,846,200 | 460 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 6,782 |
| Cost of funding earning assets | 2.1935% | 2,437 |
| Net interest margin | 2.7508% | 7,132 |
| Noninterest income to average assets | 0.1206% | 7,287 |
| Noninterest expense to average assets | 2.1220% | 7,148 |
| Loan and lease loss provision to assets | 0.0678% | 6,687 |
| Net operating income to assets | 0.2521% | 4,982 |
| Return on assets (ROA) | 0.2190% | 5,174 |
| Pretax return on assets | 0.3875% | 4,829 |
| Return on Equity (ROE) | 1.0211% | 5,488 |
| Retained earnings to average equity (ytd only) | 1.0211% | 4,740 |
| Net charge-offs to loans | 0.2164% | 4,679 |
| Credit loss provision to net charge-offs | 61.9048% | 6,138 |
| Earnings coverage of net charge-offs (x) | 4.6312% | 3,066 |
| Efficiency ratio | 80.6654% | 2,750 |
| Assets per employee ($millions) | 7.6829% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4179% | 7,807 |
| Loan loss allowance to noncurrent loans | 24.8244% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 5,392 |
| Noncurrent loans to loans | 1.6833% | 4,123 |
| Net loans and leases to total assets | 48.9425% | 6,873 |
| Net loans and leases to deposits | 72.0411% | 5,636 |
| Net loans and leases to core deposits | 89.6765% | 5,469 |
| Total domestic deposits to total assets | 67.9369% | 7,579 |
| Equity capital to assets | 21.2545% | 272 |
| Core capital (leverage) ratio | 17.6985% | 482 |
| Tier 1 risk-based capital ratio | 37.4993% | 324 |
| Total risk-based capital ratio | 37.9569% | 329 |
| Memoranda: | ||
| Average total assets | $2,097,698,500 | 348 |
| Average earning assets | $1,912,786,000 | 344 |
| Average equity | $449,941,000 | 201 |
| Average total loans | $1,060,725,750 | 473 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 6,647 |
| Cost of funding earning assets | 2.2563% | 2,543 |
| Net interest margin | 2.7849% | 7,042 |
| Noninterest income to average assets | 0.1205% | 7,383 |
| Noninterest expense to average assets | 2.1591% | 7,154 |
| Loan and lease loss provision to assets | 0.0200% | 7,026 |
| Net operating income to assets | 0.2746% | 4,996 |
| Return on assets (ROA) | 0.2307% | 5,244 |
| Pretax return on assets | 0.4119% | 4,899 |
| Return on Equity (ROE) | 1.0722% | 5,616 |
| Retained earnings to average equity (ytd only) | 1.0722% | 4,728 |
| Net charge-offs to loans | 0.0524% | 5,759 |
| Credit loss provision to net charge-offs | 74.8201% | 5,326 |
| Earnings coverage of net charge-offs (x) | 18.7230% | 1,395 |
| Efficiency ratio | 81.1302% | 2,864 |
| Assets per employee ($millions) | 7.7324% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4791% | 7,813 |
| Loan loss allowance to noncurrent loans | 40.8857% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 5,968 |
| Noncurrent loans to loans | 1.1719% | 4,877 |
| Net loans and leases to total assets | 49.2391% | 6,937 |
| Net loans and leases to deposits | 72.8375% | 5,626 |
| Net loans and leases to core deposits | 90.2966% | 5,508 |
| Total domestic deposits to total assets | 67.6013% | 7,647 |
| Equity capital to assets | 21.3677% | 311 |
| Core capital (leverage) ratio | 17.8419% | 524 |
| Tier 1 risk-based capital ratio | 38.2694% | 343 |
| Total risk-based capital ratio | 38.8013% | 352 |
| Memoranda: | ||
| Average total assets | $2,079,859,330 | 363 |
| Average earning assets | $1,896,308,330 | 353 |
| Average equity | $447,511,000 | 205 |
| Average total loans | $1,061,875,330 | 487 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1569% | 6,459 |
| Cost of funding earning assets | 2.3294% | 2,577 |
| Net interest margin | 2.8275% | 6,933 |
| Noninterest income to average assets | 0.1197% | 7,422 |
| Noninterest expense to average assets | 2.0931% | 7,129 |
| Loan and lease loss provision to assets | 0.0403% | 6,463 |
| Net operating income to assets | 0.3232% | 5,196 |
| Return on assets (ROA) | 0.2525% | 5,641 |
| Pretax return on assets | 0.4521% | 5,238 |
| Return on Equity (ROE) | 1.1693% | 6,075 |
| Retained earnings to average equity (ytd only) | 1.1693% | 5,170 |
| Net charge-offs to loans | -0.0004% | 7,093 |
| Credit loss provision to net charge-offs | -20,800.0000% | 6,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5893% | 3,239 |
| Assets per employee ($millions) | 7.5545% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5004% | 7,826 |
| Loan loss allowance to noncurrent loans | 78.1625% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 6,541 |
| Noncurrent loans to loans | 0.6401% | 5,811 |
| Net loans and leases to total assets | 50.2042% | 6,845 |
| Net loans and leases to deposits | 74.4634% | 5,422 |
| Net loans and leases to core deposits | 92.2636% | 5,323 |
| Total domestic deposits to total assets | 67.4214% | 7,639 |
| Equity capital to assets | 21.4587% | 337 |
| Core capital (leverage) ratio | 17.9529% | 562 |
| Tier 1 risk-based capital ratio | 38.2188% | 359 |
| Total risk-based capital ratio | 38.7824% | 364 |
| Memoranda: | ||
| Average total assets | $2,064,315,000 | 364 |
| Average earning assets | $1,880,814,500 | 358 |
| Average equity | $445,736,000 | 204 |
| Average total loans | $1,070,605,000 | 491 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3487% | 7,539 |
| Cost of funding earning assets | 2.6727% | 3,304 |
| Net interest margin | 2.6760% | 7,540 |
| Noninterest income to average assets | 0.1424% | 7,393 |
| Noninterest expense to average assets | 2.0284% | 7,390 |
| Loan and lease loss provision to assets | 0.0378% | 6,939 |
| Net operating income to assets | 0.3643% | 5,295 |
| Return on assets (ROA) | 0.3496% | 5,167 |
| Pretax return on assets | 0.4945% | 4,988 |
| Return on Equity (ROE) | 1.6329% | 5,731 |
| Retained earnings to average equity (ytd only) | 1.6329% | 4,231 |
| Net charge-offs to loans | 0.1152% | 5,110 |
| Credit loss provision to net charge-offs | 65.1952% | 6,156 |
| Earnings coverage of net charge-offs (x) | 9.5331% | 2,669 |
| Efficiency ratio | 78.5083% | 2,839 |
| Assets per employee ($millions) | 7.4854% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4675% | 7,891 |
| Loan loss allowance to noncurrent loans | 73.5896% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 6,249 |
| Noncurrent loans to loans | 0.6353% | 5,462 |
| Net loans and leases to total assets | 53.0581% | 6,745 |
| Net loans and leases to deposits | 79.5857% | 5,117 |
| Net loans and leases to core deposits | 96.8715% | 5,164 |
| Total domestic deposits to total assets | 66.6678% | 7,606 |
| Equity capital to assets | 21.7299% | 365 |
| Core capital (leverage) ratio | 18.2659% | 575 |
| Tier 1 risk-based capital ratio | 37.8734% | 374 |
| Total risk-based capital ratio | 38.4132% | 382 |
| Memoranda: | ||
| Average total assets | $2,030,900,600 | 357 |
| Average earning assets | $1,851,015,600 | 353 |
| Average equity | $434,861,000 | 208 |
| Average total loans | $1,022,702,800 | 483 |