Home > Mercantile Bank > Performance and Condition Ratios
Mercantile Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 892 |
| Cost of funding earning assets | 1.4837% | 1,981 |
| Net interest margin | 4.2516% | 873 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.1502% | 3,255 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.8203% | 592 |
| Return on assets (ROA) | 1.8206% | 573 |
| Pretax return on assets | 2.2802% | 447 |
| Return on Equity (ROE) | 15.9100% | 1,112 |
| Retained earnings to average equity (ytd only) | 11.4380% | 711 |
| Net charge-offs to loans | 0.0008% | 2,859 |
| Credit loss provision to net charge-offs | 24,838.7097% | 14 |
| Earnings coverage of net charge-offs (x) | 3,983.0323% | 24 |
| Efficiency ratio | 46.6809% | 4,165 |
| Assets per employee ($millions) | 8.1615% | 1,352 |
| Cash dividends to net income (ytd only)* | 28.1215% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 2,531 |
| Loan loss allowance to noncurrent loans | 1,462.0387% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,111 |
| Noncurrent loans to loans | 0.0790% | 3,155 |
| Net loans and leases to total assets | 80.4100% | 592 |
| Net loans and leases to deposits | 108.9900% | 220 |
| Net loans and leases to core deposits | 124.0921% | 531 |
| Total domestic deposits to total assets | 73.7800% | 4,119 |
| Equity capital to assets | 11.7616% | 1,211 |
| Core capital (leverage) ratio | 12.2271% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4177% | 2,095 |
| Memoranda: | ||
| Average total assets | $5,078,355,400 | 270 |
| Average earning assets | $4,731,314,600 | 263 |
| Average equity | $581,009,800 | 237 |
| Average total loans | $4,078,045,800 | 232 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6327% | 872 |
| Cost of funding earning assets | 1.3387% | 2,032 |
| Net interest margin | 4.2939% | 809 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.1461% | 3,220 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.8615% | 589 |
| Return on assets (ROA) | 1.8605% | 582 |
| Pretax return on assets | 2.3183% | 473 |
| Return on Equity (ROE) | 16.3800% | 1,191 |
| Retained earnings to average equity (ytd only) | 11.8221% | 1,006 |
| Net charge-offs to loans | 0.0046% | 2,314 |
| Credit loss provision to net charge-offs | 4,244.6043% | 125 |
| Earnings coverage of net charge-offs (x) | 670.7050% | 237 |
| Efficiency ratio | 46.2152% | 4,123 |
| Assets per employee ($millions) | 8.1359% | 1,283 |
| Cash dividends to net income (ytd only)* | 27.8396% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 2,535 |
| Loan loss allowance to noncurrent loans | 815.3533% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 2,809 |
| Noncurrent loans to loans | 0.1431% | 2,835 |
| Net loans and leases to total assets | 77.7300% | 915 |
| Net loans and leases to deposits | 103.7627% | 359 |
| Net loans and leases to core deposits | 114.6621% | 706 |
| Total domestic deposits to total assets | 74.9100% | 4,094 |
| Equity capital to assets | 11.1996% | 1,278 |
| Core capital (leverage) ratio | 12.0370% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6995% | 2,006 |
| Memoranda: | ||
| Average total assets | $5,019,657,000 | 275 |
| Average earning assets | $4,676,353,250 | 268 |
| Average equity | $570,034,750 | 241 |
| Average total loans | $4,016,966,000 | 238 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 860 |
| Cost of funding earning assets | 1.1575% | 2,114 |
| Net interest margin | 4.3209% | 784 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.1541% | 3,201 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.8790% | 583 |
| Return on assets (ROA) | 1.8790% | 576 |
| Pretax return on assets | 2.3414% | 439 |
| Return on Equity (ROE) | 16.4700% | 1,189 |
| Retained earnings to average equity (ytd only) | 11.8626% | 1,011 |
| Net charge-offs to loans | 0.0063% | 2,013 |
| Credit loss provision to net charge-offs | 2,080.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 484.3200% | 304 |
| Efficiency ratio | 46.5664% | 4,135 |
| Assets per employee ($millions) | 7.6962% | 1,473 |
| Cash dividends to net income (ytd only)* | 27.9588% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 2,956 |
| Loan loss allowance to noncurrent loans | 2,130.5860% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 3,235 |
| Noncurrent loans to loans | 0.0517% | 3,332 |
| Net loans and leases to total assets | 78.5300% | 779 |
| Net loans and leases to deposits | 106.4425% | 293 |
| Net loans and leases to core deposits | 116.9935% | 596 |
| Total domestic deposits to total assets | 73.7800% | 4,209 |
| Equity capital to assets | 11.3507% | 1,246 |
| Core capital (leverage) ratio | 12.1767% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6931% | 2,022 |
| Memoranda: | ||
| Average total assets | $4,949,074,333 | 269 |
| Average earning assets | $4,614,572,667 | 265 |
| Average equity | $564,748,000 | 239 |
| Average total loans | $3,984,439,000 | 232 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3318% | 795 |
| Cost of funding earning assets | 0.9024% | 2,360 |
| Net interest margin | 4.4294% | 649 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.2074% | 3,082 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.9351% | 543 |
| Return on assets (ROA) | 1.9366% | 536 |
| Pretax return on assets | 2.4132% | 402 |
| Return on Equity (ROE) | 16.9200% | 1,186 |
| Retained earnings to average equity (ytd only) | 12.2530% | 1,221 |
| Net charge-offs to loans | -0.0032% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.0072% | 4,160 |
| Assets per employee ($millions) | 7.7034% | 1,507 |
| Cash dividends to net income (ytd only)* | 27.5985% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,152 |
| Loan loss allowance to noncurrent loans | 549.0716% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 2,289 |
| Noncurrent loans to loans | 0.1967% | 2,492 |
| Net loans and leases to total assets | 80.5200% | 492 |
| Net loans and leases to deposits | 108.6117% | 208 |
| Net loans and leases to core deposits | 115.7692% | 545 |
| Total domestic deposits to total assets | 74.1400% | 4,279 |
| Equity capital to assets | 11.6836% | 1,094 |
| Core capital (leverage) ratio | 12.1566% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7707% | 2,060 |
| Memoranda: | ||
| Average total assets | $4,864,641,000 | 284 |
| Average earning assets | $4,537,784,000 | 277 |
| Average equity | $556,661,500 | 248 |
| Average total loans | $3,944,766,000 | 242 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 2,164 |
| Cost of funding earning assets | 0.3697% | 2,333 |
| Net interest margin | 3.4731% | 2,019 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.0204% | 3,532 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.3912% | 1,153 |
| Return on assets (ROA) | 1.3883% | 1,109 |
| Pretax return on assets | 1.7296% | 860 |
| Return on Equity (ROE) | 13.1000% | 1,776 |
| Retained earnings to average equity (ytd only) | 8.2478% | 1,739 |
| Net charge-offs to loans | -0.0197% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.6375% | 4,014 |
| Assets per employee ($millions) | 7.7032% | 1,485 |
| Cash dividends to net income (ytd only)* | 37.0355% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 2,999 |
| Loan loss allowance to noncurrent loans | 546.5908% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 2,421 |
| Noncurrent loans to loans | 0.1972% | 2,495 |
| Net loans and leases to total assets | 79.9100% | 604 |
| Net loans and leases to deposits | 103.9259% | 302 |
| Net loans and leases to core deposits | 109.4005% | 631 |
| Total domestic deposits to total assets | 76.8900% | 4,183 |
| Equity capital to assets | 11.2013% | 1,181 |
| Core capital (leverage) ratio | 11.5518% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6014% | 2,126 |
| Memoranda: | ||
| Average total assets | $5,056,888,800 | 270 |
| Average earning assets | $4,732,043,600 | 263 |
| Average equity | $535,935,000 | 256 |
| Average total loans | $3,718,485,600 | 237 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 2,795 |
| Cost of funding earning assets | 0.3260% | 1,901 |
| Net interest margin | 3.1164% | 2,880 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 1.9596% | 3,594 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2046% | 1,681 |
| Return on assets (ROA) | 1.2006% | 1,665 |
| Pretax return on assets | 1.4961% | 1,422 |
| Return on Equity (ROE) | 11.4800% | 2,208 |
| Retained earnings to average equity (ytd only) | 6.6153% | 2,511 |
| Net charge-offs to loans | -0.0238% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.7209% | 3,755 |
| Assets per employee ($millions) | 7.8701% | 1,388 |
| Cash dividends to net income (ytd only)* | 42.3950% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,457 |
| Loan loss allowance to noncurrent loans | 2,762.7119% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,648 |
| Noncurrent loans to loans | 0.0364% | 3,635 |
| Net loans and leases to total assets | 77.1600% | 785 |
| Net loans and leases to deposits | 99.8127% | 367 |
| Net loans and leases to core deposits | 104.8877% | 616 |
| Total domestic deposits to total assets | 77.3100% | 4,303 |
| Equity capital to assets | 10.3805% | 1,427 |
| Core capital (leverage) ratio | 11.0807% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3507% | 2,339 |
| Memoranda: | ||
| Average total assets | $5,107,860,750 | 271 |
| Average earning assets | $4,785,757,750 | 265 |
| Average equity | $534,019,000 | 259 |
| Average total loans | $3,668,061,250 | 241 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1253% | 3,243 |
| Cost of funding earning assets | 0.3142% | 1,583 |
| Net interest margin | 2.8111% | 3,417 |
| Noninterest income to average assets | 0.6516% | 1,534 |
| Noninterest expense to average assets | 1.9253% | 3,646 |
| Loan and lease loss provision to assets | 0.0233% | 2,179 |
| Net operating income to assets | 1.0758% | 1,873 |
| Return on assets (ROA) | 1.0718% | 1,865 |
| Pretax return on assets | 1.3356% | 1,628 |
| Return on Equity (ROE) | 10.2285% | 2,255 |
| Retained earnings to average equity (ytd only) | 5.4057% | 2,554 |
| Net charge-offs to loans | -0.0229% | 3,930 |
| Credit loss provision to net charge-offs | -145.9854% | 3,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0033% | 3,557 |
| Assets per employee ($millions) | 7.7406% | 1,450 |
| Cash dividends to net income (ytd only)* | 47.1510% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,752 |
| Loan loss allowance to noncurrent loans | 2,011.9687% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 3,627 |
| Noncurrent loans to loans | 0.0478% | 3,590 |
| Net loans and leases to total assets | 73.4412% | 958 |
| Net loans and leases to deposits | 95.0962% | 474 |
| Net loans and leases to core deposits | 98.9523% | 715 |
| Total domestic deposits to total assets | 77.2283% | 4,398 |
| Equity capital to assets | 10.5503% | 1,407 |
| Core capital (leverage) ratio | 10.7581% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4371% | 2,317 |
| Memoranda: | ||
| Average total assets | $5,144,643,000 | 266 |
| Average earning assets | $4,827,150,333 | 261 |
| Average equity | $539,102,333 | 253 |
| Average total loans | $3,592,292,000 | 241 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9335% | 3,442 |
| Cost of funding earning assets | 0.3062% | 1,598 |
| Net interest margin | 2.6273% | 3,597 |
| Noninterest income to average assets | 0.7217% | 1,245 |
| Noninterest expense to average assets | 1.8743% | 3,741 |
| Loan and lease loss provision to assets | 0.0077% | 2,174 |
| Net operating income to assets | 1.0536% | 1,674 |
| Return on assets (ROA) | 1.0491% | 1,687 |
| Pretax return on assets | 1.3073% | 1,480 |
| Return on Equity (ROE) | 10.0443% | 1,955 |
| Retained earnings to average equity (ytd only) | 5.2546% | 2,496 |
| Net charge-offs to loans | -0.0102% | 3,595 |
| Credit loss provision to net charge-offs | -111.1111% | 2,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0912% | 3,670 |
| Assets per employee ($millions) | 8.1849% | 1,263 |
| Cash dividends to net income (ytd only)* | 47.6854% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 3,789 |
| Loan loss allowance to noncurrent loans | 2,180.7072% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 3,723 |
| Noncurrent loans to loans | 0.0451% | 3,656 |
| Net loans and leases to total assets | 68.5614% | 1,155 |
| Net loans and leases to deposits | 88.5705% | 588 |
| Net loans and leases to core deposits | 92.7657% | 785 |
| Total domestic deposits to total assets | 77.4089% | 4,437 |
| Equity capital to assets | 10.4717% | 1,603 |
| Core capital (leverage) ratio | 10.4934% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7658% | 2,319 |
| Memoranda: | ||
| Average total assets | $5,197,404,000 | 269 |
| Average earning assets | $4,892,802,000 | 265 |
| Average equity | $542,833,500 | 258 |
| Average total loans | $3,520,056,000 | 245 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1829% | 3,510 |
| Cost of funding earning assets | 0.3876% | 1,629 |
| Net interest margin | 2.7952% | 3,674 |
| Noninterest income to average assets | 1.1595% | 785 |
| Noninterest expense to average assets | 2.1758% | 3,156 |
| Loan and lease loss provision to assets | -0.0895% | 4,504 |
| Net operating income to assets | 1.3548% | 1,425 |
| Return on assets (ROA) | 1.3540% | 1,467 |
| Pretax return on assets | 1.6941% | 1,163 |
| Return on Equity (ROE) | 13.4449% | 1,333 |
| Retained earnings to average equity (ytd only) | 5.3874% | 2,625 |
| Net charge-offs to loans | -0.0507% | 4,330 |
| Credit loss provision to net charge-offs | 253.5377% | 1,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9419% | 3,587 |
| Assets per employee ($millions) | 8.3545% | 1,140 |
| Cash dividends to net income (ytd only)* | 59.9299% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,664 |
| Loan loss allowance to noncurrent loans | 1,432.8606% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,661 |
| Noncurrent loans to loans | 0.0711% | 3,582 |
| Net loans and leases to total assets | 65.5598% | 1,523 |
| Net loans and leases to deposits | 83.8070% | 913 |
| Net loans and leases to core deposits | 88.2645% | 1,062 |
| Total domestic deposits to total assets | 78.2271% | 4,376 |
| Equity capital to assets | 10.4174% | 2,249 |
| Core capital (leverage) ratio | 10.4025% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6224% | 2,401 |
| Memoranda: | ||
| Average total assets | $4,806,206,800 | 276 |
| Average earning assets | $4,508,309,800 | 269 |
| Average equity | $484,018,800 | 278 |
| Average total loans | $3,347,565,200 | 250 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2261% | 3,555 |
| Cost of funding earning assets | 0.4101% | 1,622 |
| Net interest margin | 2.8160% | 3,746 |
| Noninterest income to average assets | 1.2228% | 766 |
| Noninterest expense to average assets | 2.0933% | 3,388 |
| Loan and lease loss provision to assets | -0.0255% | 4,371 |
| Net operating income to assets | 1.4515% | 1,393 |
| Return on assets (ROA) | 1.4507% | 1,453 |
| Pretax return on assets | 1.7910% | 1,183 |
| Return on Equity (ROE) | 14.5451% | 1,245 |
| Retained earnings to average equity (ytd only) | 7.1473% | 2,358 |
| Net charge-offs to loans | -0.0144% | 3,830 |
| Credit loss provision to net charge-offs | 251.3966% | 1,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6117% | 3,856 |
| Assets per employee ($millions) | 7.8624% | 1,333 |
| Cash dividends to net income (ytd only)* | 50.8607% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,378 |
| Loan loss allowance to noncurrent loans | 1,353.0007% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,732 |
| Noncurrent loans to loans | 0.0823% | 3,675 |
| Net loans and leases to total assets | 67.2039% | 1,409 |
| Net loans and leases to deposits | 85.8051% | 838 |
| Net loans and leases to core deposits | 90.5353% | 1,004 |
| Total domestic deposits to total assets | 78.3216% | 4,392 |
| Equity capital to assets | 9.6689% | 3,224 |
| Core capital (leverage) ratio | 9.2736% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4253% | 2,880 |
| Memoranda: | ||
| Average total assets | $4,698,186,000 | 279 |
| Average earning assets | $4,399,310,250 | 273 |
| Average equity | $468,600,500 | 283 |
| Average total loans | $3,317,062,500 | 253 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2639% | 3,531 |
| Cost of funding earning assets | 0.4267% | 1,683 |
| Net interest margin | 2.8371% | 3,707 |
| Noninterest income to average assets | 1.1964% | 804 |
| Noninterest expense to average assets | 2.1060% | 3,368 |
| Loan and lease loss provision to assets | -0.1213% | 4,663 |
| Net operating income to assets | 1.5142% | 1,254 |
| Return on assets (ROA) | 1.5133% | 1,320 |
| Pretax return on assets | 1.8683% | 1,081 |
| Return on Equity (ROE) | 15.0087% | 1,154 |
| Retained earnings to average equity (ytd only) | 9.4222% | 1,581 |
| Net charge-offs to loans | -0.0452% | 4,327 |
| Credit loss provision to net charge-offs | 375.3351% | 784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9597% | 3,815 |
| Assets per employee ($millions) | 7.4722% | 1,493 |
| Cash dividends to net income (ytd only)* | 37.2216% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,430 |
| Loan loss allowance to noncurrent loans | 1,307.8296% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,771 |
| Noncurrent loans to loans | 0.0838% | 3,770 |
| Net loans and leases to total assets | 68.4058% | 1,397 |
| Net loans and leases to deposits | 88.1499% | 768 |
| Net loans and leases to core deposits | 93.7248% | 915 |
| Total domestic deposits to total assets | 77.6017% | 4,464 |
| Equity capital to assets | 10.0641% | 2,797 |
| Core capital (leverage) ratio | 9.4008% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0000% | 2,721 |
| Memoranda: | ||
| Average total assets | $4,615,766,667 | 279 |
| Average earning assets | $4,323,659,000 | 274 |
| Average equity | $465,411,333 | 284 |
| Average total loans | $3,302,431,667 | 254 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2781% | 3,508 |
| Cost of funding earning assets | 0.4509% | 1,718 |
| Net interest margin | 2.8272% | 3,694 |
| Noninterest income to average assets | 1.1417% | 931 |
| Noninterest expense to average assets | 2.0626% | 3,530 |
| Loan and lease loss provision to assets | 0.0263% | 2,436 |
| Net operating income to assets | 1.3666% | 1,645 |
| Return on assets (ROA) | 1.3646% | 1,734 |
| Pretax return on assets | 1.6847% | 1,527 |
| Return on Equity (ROE) | 13.5202% | 1,534 |
| Retained earnings to average equity (ytd only) | 7.8646% | 2,291 |
| Net charge-offs to loans | -0.0520% | 4,410 |
| Credit loss provision to net charge-offs | -70.0935% | 2,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8825% | 3,798 |
| Assets per employee ($millions) | 7.5547% | 1,420 |
| Cash dividends to net income (ytd only)* | 41.8302% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 3,190 |
| Loan loss allowance to noncurrent loans | 1,384.9320% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,893 |
| Noncurrent loans to loans | 0.0830% | 3,885 |
| Net loans and leases to total assets | 70.8875% | 1,171 |
| Net loans and leases to deposits | 90.9785% | 645 |
| Net loans and leases to core deposits | 97.4114% | 826 |
| Total domestic deposits to total assets | 77.9167% | 4,446 |
| Equity capital to assets | 9.8184% | 2,879 |
| Core capital (leverage) ratio | 9.4778% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2608% | 2,577 |
| Memoranda: | ||
| Average total assets | $4,554,954,000 | 281 |
| Average earning assets | $4,244,473,500 | 276 |
| Average equity | $459,728,500 | 284 |
| Average total loans | $3,290,364,000 | 254 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 3,007 |
| Cost of funding earning assets | 0.6257% | 2,149 |
| Net interest margin | 3.2817% | 3,118 |
| Noninterest income to average assets | 1.0779% | 921 |
| Noninterest expense to average assets | 2.2822% | 3,459 |
| Loan and lease loss provision to assets | 0.3448% | 1,012 |
| Net operating income to assets | 1.2165% | 1,493 |
| Return on assets (ROA) | 1.2172% | 1,608 |
| Pretax return on assets | 1.5089% | 1,306 |
| Return on Equity (ROE) | 11.0985% | 1,597 |
| Retained earnings to average equity (ytd only) | 3.8254% | 2,905 |
| Net charge-offs to loans | -0.0009% | 3,928 |
| Credit loss provision to net charge-offs | -52,037.0370% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3587% | 4,172 |
| Assets per employee ($millions) | 7.1150% | 1,504 |
| Cash dividends to net income (ytd only)* | 65.5321% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 3,056 |
| Loan loss allowance to noncurrent loans | 1,121.9563% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 3,853 |
| Noncurrent loans to loans | 0.1052% | 3,871 |
| Net loans and leases to total assets | 71.9350% | 1,291 |
| Net loans and leases to deposits | 92.8187% | 727 |
| Net loans and leases to core deposits | 100.8358% | 869 |
| Total domestic deposits to total assets | 77.5005% | 4,366 |
| Equity capital to assets | 10.3845% | 2,769 |
| Core capital (leverage) ratio | 9.5282% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4943% | 2,448 |
| Memoranda: | ||
| Average total assets | $4,074,358,800 | 289 |
| Average earning assets | $3,795,705,200 | 280 |
| Average equity | $446,851,800 | 279 |
| Average total loans | $3,131,633,200 | 255 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 3,044 |
| Cost of funding earning assets | 0.6630% | 2,247 |
| Net interest margin | 3.3130% | 3,147 |
| Noninterest income to average assets | 1.0333% | 975 |
| Noninterest expense to average assets | 2.3127% | 3,389 |
| Loan and lease loss provision to assets | 0.3861% | 943 |
| Net operating income to assets | 1.1485% | 1,825 |
| Return on assets (ROA) | 1.1495% | 1,937 |
| Pretax return on assets | 1.4192% | 1,669 |
| Return on Equity (ROE) | 10.3292% | 1,897 |
| Retained earnings to average equity (ytd only) | 2.5191% | 3,728 |
| Net charge-offs to loans | -0.0057% | 4,078 |
| Credit loss provision to net charge-offs | -8,750.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2970% | 4,004 |
| Assets per employee ($millions) | 7.1239% | 1,414 |
| Cash dividends to net income (ytd only)* | 75.6122% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,404 |
| Loan loss allowance to noncurrent loans | 859.0196% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 3,906 |
| Noncurrent loans to loans | 0.1236% | 3,889 |
| Net loans and leases to total assets | 75.2959% | 1,188 |
| Net loans and leases to deposits | 97.9796% | 627 |
| Net loans and leases to core deposits | 107.3007% | 797 |
| Total domestic deposits to total assets | 76.8485% | 4,344 |
| Equity capital to assets | 10.2256% | 3,038 |
| Core capital (leverage) ratio | 9.5763% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5283% | 2,405 |
| Memoranda: | ||
| Average total assets | $3,988,343,000 | 289 |
| Average earning assets | $3,711,997,250 | 281 |
| Average equity | $443,857,250 | 276 |
| Average total loans | $3,110,452,000 | 257 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 2,758 |
| Cost of funding earning assets | 0.7203% | 2,290 |
| Net interest margin | 3.4816% | 2,852 |
| Noninterest income to average assets | 0.9150% | 1,132 |
| Noninterest expense to average assets | 2.2859% | 3,557 |
| Loan and lease loss provision to assets | 0.4337% | 895 |
| Net operating income to assets | 1.1563% | 1,776 |
| Return on assets (ROA) | 1.1579% | 1,901 |
| Pretax return on assets | 1.4296% | 1,642 |
| Return on Equity (ROE) | 10.0927% | 1,951 |
| Retained earnings to average equity (ytd only) | 1.2641% | 4,022 |
| Net charge-offs to loans | -0.0004% | 3,718 |
| Credit loss provision to net charge-offs | -139,166.6667% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1565% | 4,163 |
| Assets per employee ($millions) | 6.7447% | 1,595 |
| Cash dividends to net income (ytd only)* | 87.4753% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 3,724 |
| Loan loss allowance to noncurrent loans | 1,004.2043% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 4,128 |
| Noncurrent loans to loans | 0.0963% | 4,067 |
| Net loans and leases to total assets | 76.8283% | 1,019 |
| Net loans and leases to deposits | 100.8900% | 497 |
| Net loans and leases to core deposits | 110.6746% | 714 |
| Total domestic deposits to total assets | 76.1506% | 4,412 |
| Equity capital to assets | 10.3606% | 2,873 |
| Core capital (leverage) ratio | 10.0122% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4920% | 2,406 |
| Memoranda: | ||
| Average total assets | $3,850,259,333 | 291 |
| Average earning assets | $3,574,554,000 | 286 |
| Average equity | $441,746,000 | 278 |
| Average total loans | $3,030,421,667 | 259 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 2,287 |
| Cost of funding earning assets | 0.8206% | 2,277 |
| Net interest margin | 3.6908% | 2,355 |
| Noninterest income to average assets | 0.7197% | 1,567 |
| Noninterest expense to average assets | 2.4120% | 3,514 |
| Loan and lease loss provision to assets | 0.0827% | 2,660 |
| Net operating income to assets | 1.3343% | 1,146 |
| Return on assets (ROA) | 1.3366% | 1,231 |
| Pretax return on assets | 1.6501% | 950 |
| Return on Equity (ROE) | 11.0168% | 1,405 |
| Retained earnings to average equity (ytd only) | -0.7999% | 4,116 |
| Net charge-offs to loans | -0.0261% | 4,421 |
| Credit loss provision to net charge-offs | -398.9362% | 3,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1752% | 4,095 |
| Assets per employee ($millions) | 5.8139% | 1,827 |
| Cash dividends to net income (ytd only)* | 107.2607% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 4,263 |
| Loan loss allowance to noncurrent loans | 715.6818% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,102 |
| Noncurrent loans to loans | 0.1196% | 4,044 |
| Net loans and leases to total assets | 79.0420% | 818 |
| Net loans and leases to deposits | 108.4460% | 217 |
| Net loans and leases to core deposits | 121.4683% | 427 |
| Total domestic deposits to total assets | 72.8860% | 4,731 |
| Equity capital to assets | 12.0941% | 1,998 |
| Core capital (leverage) ratio | 11.3062% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8543% | 2,770 |
| Memoranda: | ||
| Average total assets | $3,627,217,000 | 297 |
| Average earning assets | $3,363,431,500 | 290 |
| Average equity | $440,054,500 | 280 |
| Average total loans | $2,879,105,000 | 265 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 1,977 |
| Cost of funding earning assets | 0.9319% | 2,050 |
| Net interest margin | 3.8915% | 2,210 |
| Noninterest income to average assets | 0.7461% | 1,644 |
| Noninterest expense to average assets | 2.3735% | 3,757 |
| Loan and lease loss provision to assets | 0.0493% | 3,033 |
| Net operating income to assets | 1.5646% | 909 |
| Return on assets (ROA) | 1.5653% | 968 |
| Pretax return on assets | 1.9238% | 707 |
| Return on Equity (ROE) | 13.2690% | 1,091 |
| Retained earnings to average equity (ytd only) | 7.9901% | 979 |
| Net charge-offs to loans | 0.0085% | 3,378 |
| Credit loss provision to net charge-offs | 726.1411% | 437 |
| Earnings coverage of net charge-offs (x) | 290.4149% | 290 |
| Efficiency ratio | 53.5017% | 4,470 |
| Assets per employee ($millions) | 5.8400% | 1,762 |
| Cash dividends to net income (ytd only)* | 39.7833% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,198 |
| Loan loss allowance to noncurrent loans | 1,006.2763% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 4,248 |
| Noncurrent loans to loans | 0.0831% | 4,189 |
| Net loans and leases to total assets | 78.3627% | 1,016 |
| Net loans and leases to deposits | 105.0566% | 333 |
| Net loans and leases to core deposits | 119.1896% | 498 |
| Total domestic deposits to total assets | 74.5909% | 4,734 |
| Equity capital to assets | 12.1702% | 2,033 |
| Core capital (leverage) ratio | 11.1653% | 2,365 |
| Tier 1 risk-based capital ratio | 12.2410% | 4,217 |
| Total risk-based capital ratio | 12.9702% | 4,397 |
| Memoranda: | ||
| Average total assets | $3,548,823,000 | 284 |
| Average earning assets | $3,282,715,600 | 279 |
| Average equity | $418,654,000 | 278 |
| Average total loans | $2,844,779,600 | 263 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 1,975 |
| Cost of funding earning assets | 0.9368% | 2,055 |
| Net interest margin | 3.9119% | 2,211 |
| Noninterest income to average assets | 0.7448% | 1,611 |
| Noninterest expense to average assets | 2.3634% | 3,786 |
| Loan and lease loss provision to assets | 0.0925% | 2,062 |
| Net operating income to assets | 1.5439% | 1,077 |
| Return on assets (ROA) | 1.5449% | 1,130 |
| Pretax return on assets | 1.9073% | 850 |
| Return on Equity (ROE) | 13.2023% | 1,202 |
| Retained earnings to average equity (ytd only) | 7.8557% | 1,464 |
| Net charge-offs to loans | 0.0195% | 2,722 |
| Credit loss provision to net charge-offs | 588.9423% | 551 |
| Earnings coverage of net charge-offs (x) | 127.2747% | 617 |
| Efficiency ratio | 53.0366% | 4,491 |
| Assets per employee ($millions) | 5.9176% | 1,660 |
| Cash dividends to net income (ytd only)* | 40.4980% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8324% | 4,301 |
| Loan loss allowance to noncurrent loans | 894.2491% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 4,320 |
| Noncurrent loans to loans | 0.0931% | 4,228 |
| Net loans and leases to total assets | 78.7688% | 1,023 |
| Net loans and leases to deposits | 104.9147% | 363 |
| Net loans and leases to core deposits | 119.5577% | 550 |
| Total domestic deposits to total assets | 75.0790% | 4,741 |
| Equity capital to assets | 11.6833% | 2,523 |
| Core capital (leverage) ratio | 10.9957% | 2,645 |
| Tier 1 risk-based capital ratio | 11.7716% | 4,536 |
| Total risk-based capital ratio | 12.5050% | 4,689 |
| Memoranda: | ||
| Average total assets | $3,532,289,500 | 289 |
| Average earning assets | $3,266,028,000 | 286 |
| Average equity | $413,331,000 | 283 |
| Average total loans | $2,841,807,750 | 265 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 1,845 |
| Cost of funding earning assets | 0.9331% | 1,989 |
| Net interest margin | 3.9379% | 2,129 |
| Noninterest income to average assets | 0.7463% | 1,535 |
| Noninterest expense to average assets | 2.3938% | 3,748 |
| Loan and lease loss provision to assets | 0.1006% | 1,863 |
| Net operating income to assets | 1.5376% | 1,038 |
| Return on assets (ROA) | 1.5391% | 1,088 |
| Pretax return on assets | 1.9002% | 835 |
| Return on Equity (ROE) | 13.1460% | 1,198 |
| Retained earnings to average equity (ytd only) | 7.7200% | 1,513 |
| Net charge-offs to loans | 0.0054% | 2,959 |
| Credit loss provision to net charge-offs | 2,302.6316% | 160 |
| Earnings coverage of net charge-offs (x) | 457.4868% | 165 |
| Efficiency ratio | 53.2824% | 4,537 |
| Assets per employee ($millions) | 5.4575% | 2,001 |
| Cash dividends to net income (ytd only)* | 41.2745% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 4,322 |
| Loan loss allowance to noncurrent loans | 679.4633% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 4,195 |
| Noncurrent loans to loans | 0.1229% | 4,128 |
| Net loans and leases to total assets | 80.3038% | 836 |
| Net loans and leases to deposits | 108.7640% | 253 |
| Net loans and leases to core deposits | 123.8044% | 436 |
| Total domestic deposits to total assets | 73.8331% | 4,845 |
| Equity capital to assets | 11.8415% | 2,308 |
| Core capital (leverage) ratio | 11.0002% | 2,601 |
| Tier 1 risk-based capital ratio | 11.6298% | 4,620 |
| Total risk-based capital ratio | 12.3604% | 4,770 |
| Memoranda: | ||
| Average total assets | $3,478,860,000 | 293 |
| Average earning assets | $3,221,384,670 | 289 |
| Average equity | $407,303,330 | 285 |
| Average total loans | $2,811,405,670 | 266 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8567% | 1,741 |
| Cost of funding earning assets | 0.8995% | 2,009 |
| Net interest margin | 3.9572% | 1,999 |
| Noninterest income to average assets | 0.7753% | 1,351 |
| Noninterest expense to average assets | 2.4099% | 3,746 |
| Loan and lease loss provision to assets | 0.0989% | 1,770 |
| Net operating income to assets | 1.5619% | 979 |
| Return on assets (ROA) | 1.5636% | 1,004 |
| Pretax return on assets | 1.9304% | 745 |
| Return on Equity (ROE) | 13.4346% | 1,101 |
| Retained earnings to average equity (ytd only) | 7.9135% | 1,700 |
| Net charge-offs to loans | 0.0135% | 2,217 |
| Credit loss provision to net charge-offs | 904.2553% | 395 |
| Earnings coverage of net charge-offs (x) | 185.4043% | 418 |
| Efficiency ratio | 53.0644% | 4,614 |
| Assets per employee ($millions) | 5.6007% | 1,884 |
| Cash dividends to net income (ytd only)* | 41.0964% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 4,434 |
| Loan loss allowance to noncurrent loans | 530.0115% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 4,123 |
| Noncurrent loans to loans | 0.1559% | 4,042 |
| Net loans and leases to total assets | 78.5645% | 1,063 |
| Net loans and leases to deposits | 106.0765% | 320 |
| Net loans and leases to core deposits | 120.9883% | 499 |
| Total domestic deposits to total assets | 74.0640% | 4,930 |
| Equity capital to assets | 11.4881% | 2,410 |
| Core capital (leverage) ratio | 11.0285% | 2,550 |
| Tier 1 risk-based capital ratio | 11.6812% | 4,635 |
| Total risk-based capital ratio | 12.4027% | 4,819 |
| Memoranda: | ||
| Average total assets | $3,439,146,500 | 297 |
| Average earning assets | $3,182,249,500 | 291 |
| Average equity | $400,278,500 | 291 |
| Average total loans | $2,776,362,000 | 271 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 1,912 |
| Cost of funding earning assets | 0.6215% | 2,578 |
| Net interest margin | 4.0546% | 1,806 |
| Noninterest income to average assets | 0.5740% | 2,427 |
| Noninterest expense to average assets | 2.4884% | 3,640 |
| Loan and lease loss provision to assets | 0.0335% | 3,523 |
| Net operating income to assets | 1.4505% | 1,272 |
| Return on assets (ROA) | 1.4503% | 1,262 |
| Pretax return on assets | 1.7974% | 930 |
| Return on Equity (ROE) | 12.1860% | 1,646 |
| Retained earnings to average equity (ytd only) | 3.5787% | 3,615 |
| Net charge-offs to loans | -0.0674% | 5,054 |
| Credit loss provision to net charge-offs | -61.8673% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1722% | 4,384 |
| Assets per employee ($millions) | 5.3083% | 2,143 |
| Cash dividends to net income (ytd only)* | 70.6329% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 4,493 |
| Loan loss allowance to noncurrent loans | 520.3441% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 4,063 |
| Noncurrent loans to loans | 0.1562% | 4,038 |
| Net loans and leases to total assets | 81.6537% | 705 |
| Net loans and leases to deposits | 110.4047% | 243 |
| Net loans and leases to core deposits | 121.8122% | 502 |
| Total domestic deposits to total assets | 73.9586% | 4,952 |
| Equity capital to assets | 11.7982% | 2,034 |
| Core capital (leverage) ratio | 11.1895% | 2,366 |
| Tier 1 risk-based capital ratio | 11.5381% | 4,706 |
| Total risk-based capital ratio | 12.2432% | 4,874 |
| Memoranda: | ||
| Average total assets | $3,286,895,000 | 304 |
| Average earning assets | $3,036,301,400 | 296 |
| Average equity | $391,177,400 | 285 |
| Average total loans | $2,639,423,200 | 273 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 1,929 |
| Cost of funding earning assets | 0.5855% | 2,581 |
| Net interest margin | 4.0325% | 1,851 |
| Noninterest income to average assets | 0.5533% | 2,551 |
| Noninterest expense to average assets | 2.4940% | 3,614 |
| Loan and lease loss provision to assets | 0.0448% | 3,094 |
| Net operating income to assets | 1.4113% | 1,450 |
| Return on assets (ROA) | 1.4106% | 1,445 |
| Pretax return on assets | 1.7414% | 1,172 |
| Return on Equity (ROE) | 11.8262% | 1,863 |
| Retained earnings to average equity (ytd only) | 7.6965% | 1,796 |
| Net charge-offs to loans | -0.0557% | 4,976 |
| Credit loss provision to net charge-offs | -100.8249% | 4,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7686% | 4,283 |
| Assets per employee ($millions) | 5.1497% | 2,279 |
| Cash dividends to net income (ytd only)* | 34.9200% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 4,606 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 4,053 |
| Noncurrent loans to loans | 0.1828% | 4,070 |
| Net loans and leases to total assets | 81.5675% | 783 |
| Net loans and leases to deposits | 106.2120% | 433 |
| Net loans and leases to core deposits | 115.5939% | 733 |
| Total domestic deposits to total assets | 76.7969% | 4,676 |
| Equity capital to assets | 12.1321% | 1,817 |
| Core capital (leverage) ratio | 11.5179% | 2,152 |
| Tier 1 risk-based capital ratio | 12.0596% | 4,470 |
| Total risk-based capital ratio | 12.7578% | 4,674 |
| Memoranda: | ||
| Average total assets | $3,272,556,000 | 303 |
| Average earning assets | $3,025,367,500 | 296 |
| Average equity | $390,331,250 | 281 |
| Average total loans | $2,611,007,500 | 275 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 1,826 |
| Cost of funding earning assets | 0.5576% | 2,541 |
| Net interest margin | 4.0270% | 1,773 |
| Noninterest income to average assets | 0.5416% | 2,618 |
| Noninterest expense to average assets | 2.4811% | 3,679 |
| Loan and lease loss provision to assets | 0.0428% | 3,042 |
| Net operating income to assets | 1.4100% | 1,400 |
| Return on assets (ROA) | 1.4095% | 1,405 |
| Pretax return on assets | 1.7402% | 1,118 |
| Return on Equity (ROE) | 11.8855% | 1,766 |
| Retained earnings to average equity (ytd only) | 7.7286% | 1,740 |
| Net charge-offs to loans | -0.0748% | 5,059 |
| Credit loss provision to net charge-offs | -72.4638% | 4,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6194% | 4,399 |
| Assets per employee ($millions) | 4.9007% | 2,558 |
| Cash dividends to net income (ytd only)* | 34.9750% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 4,683 |
| Loan loss allowance to noncurrent loans | 417.9072% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 4,077 |
| Noncurrent loans to loans | 0.1921% | 4,043 |
| Net loans and leases to total assets | 80.0213% | 1,016 |
| Net loans and leases to deposits | 102.9603% | 597 |
| Net loans and leases to core deposits | 112.5033% | 859 |
| Total domestic deposits to total assets | 77.7206% | 4,631 |
| Equity capital to assets | 12.0200% | 1,841 |
| Core capital (leverage) ratio | 11.4934% | 2,084 |
| Tier 1 risk-based capital ratio | 12.1802% | 4,382 |
| Total risk-based capital ratio | 12.8833% | 4,602 |
| Memoranda: | ||
| Average total assets | $3,269,947,330 | 299 |
| Average earning assets | $3,023,187,330 | 294 |
| Average equity | $387,782,000 | 280 |
| Average total loans | $2,582,204,330 | 275 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 1,501 |
| Cost of funding earning assets | 0.5424% | 2,462 |
| Net interest margin | 4.0819% | 1,484 |
| Noninterest income to average assets | 0.5271% | 2,648 |
| Noninterest expense to average assets | 2.4537% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4985% | 1,081 |
| Return on assets (ROA) | 1.4961% | 1,095 |
| Pretax return on assets | 1.8472% | 831 |
| Return on Equity (ROE) | 12.7023% | 1,350 |
| Retained earnings to average equity (ytd only) | 8.5177% | 1,657 |
| Net charge-offs to loans | -0.0741% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4321% | 4,652 |
| Assets per employee ($millions) | 5.1161% | 2,343 |
| Cash dividends to net income (ytd only)* | 32.9437% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 4,830 |
| Loan loss allowance to noncurrent loans | 344.4981% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 3,870 |
| Noncurrent loans to loans | 0.2273% | 3,957 |
| Net loans and leases to total assets | 77.3061% | 1,342 |
| Net loans and leases to deposits | 99.2750% | 765 |
| Net loans and leases to core deposits | 112.0591% | 888 |
| Total domestic deposits to total assets | 77.8706% | 4,744 |
| Equity capital to assets | 11.8041% | 1,912 |
| Core capital (leverage) ratio | 11.2245% | 2,226 |
| Tier 1 risk-based capital ratio | 12.2212% | 4,419 |
| Total risk-based capital ratio | 12.9003% | 4,666 |
| Memoranda: | ||
| Average total assets | $3,270,551,500 | 296 |
| Average earning assets | $3,025,933,500 | 294 |
| Average equity | $385,222,000 | 286 |
| Average total loans | $2,554,878,500 | 277 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 2,220 |
| Cost of funding earning assets | 0.4569% | 2,706 |
| Net interest margin | 3.8787% | 2,158 |
| Noninterest income to average assets | 0.6056% | 2,420 |
| Noninterest expense to average assets | 2.4307% | 3,986 |
| Loan and lease loss provision to assets | 0.0940% | 2,324 |
| Net operating income to assets | 1.0598% | 2,022 |
| Return on assets (ROA) | 1.0606% | 2,035 |
| Pretax return on assets | 1.6620% | 1,117 |
| Return on Equity (ROE) | 8.8398% | 2,388 |
| Retained earnings to average equity (ytd only) | 4.5572% | 2,425 |
| Net charge-offs to loans | 0.0566% | 2,675 |
| Credit loss provision to net charge-offs | 209.2199% | 1,306 |
| Earnings coverage of net charge-offs (x) | 39.0468% | 1,284 |
| Efficiency ratio | 56.2784% | 4,741 |
| Assets per employee ($millions) | 5.0964% | 2,366 |
| Cash dividends to net income (ytd only)* | 48.4462% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 4,926 |
| Loan loss allowance to noncurrent loans | 261.9694% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 3,691 |
| Noncurrent loans to loans | 0.2909% | 3,739 |
| Net loans and leases to total assets | 77.7228% | 1,318 |
| Net loans and leases to deposits | 100.2757% | 704 |
| Net loans and leases to core deposits | 113.5059% | 819 |
| Total domestic deposits to total assets | 77.5090% | 4,791 |
| Equity capital to assets | 11.7528% | 2,000 |
| Core capital (leverage) ratio | 11.0086% | 2,328 |
| Tier 1 risk-based capital ratio | 11.9190% | 4,588 |
| Total risk-based capital ratio | 12.5796% | 4,840 |
| Memoranda: | ||
| Average total assets | $3,137,295,200 | 296 |
| Average earning assets | $2,895,662,400 | 291 |
| Average equity | $376,412,000 | 279 |
| Average total loans | $2,492,007,800 | 275 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,232 |
| Cost of funding earning assets | 0.4369% | 2,841 |
| Net interest margin | 3.8749% | 2,123 |
| Noninterest income to average assets | 0.6190% | 2,366 |
| Noninterest expense to average assets | 2.4577% | 3,866 |
| Loan and lease loss provision to assets | 0.1009% | 2,099 |
| Net operating income to assets | 1.1325% | 1,945 |
| Return on assets (ROA) | 1.1335% | 2,000 |
| Pretax return on assets | 1.6369% | 1,291 |
| Return on Equity (ROE) | 9.3971% | 2,402 |
| Retained earnings to average equity (ytd only) | 5.0932% | 2,814 |
| Net charge-offs to loans | 0.0602% | 2,262 |
| Credit loss provision to net charge-offs | 210.1968% | 1,299 |
| Earnings coverage of net charge-offs (x) | 36.1655% | 1,395 |
| Efficiency ratio | 56.7571% | 4,640 |
| Assets per employee ($millions) | 5.1021% | 2,329 |
| Cash dividends to net income (ytd only)* | 45.8007% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 5,016 |
| Loan loss allowance to noncurrent loans | 224.6898% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 3,712 |
| Noncurrent loans to loans | 0.3344% | 3,753 |
| Net loans and leases to total assets | 78.3714% | 1,217 |
| Net loans and leases to deposits | 101.4873% | 647 |
| Net loans and leases to core deposits | 115.3344% | 773 |
| Total domestic deposits to total assets | 77.2228% | 4,846 |
| Equity capital to assets | 11.8524% | 2,073 |
| Core capital (leverage) ratio | 11.0265% | 2,429 |
| Tier 1 risk-based capital ratio | 11.8253% | 4,749 |
| Total risk-based capital ratio | 12.4753% | 5,020 |
| Memoranda: | ||
| Average total assets | $3,104,917,750 | 299 |
| Average earning assets | $2,864,635,750 | 293 |
| Average equity | $374,529,750 | 281 |
| Average total loans | $2,475,371,750 | 276 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 2,390 |
| Cost of funding earning assets | 0.4003% | 3,074 |
| Net interest margin | 3.8219% | 2,202 |
| Noninterest income to average assets | 0.6378% | 2,268 |
| Noninterest expense to average assets | 2.4724% | 3,840 |
| Loan and lease loss provision to assets | 0.0882% | 2,219 |
| Net operating income to assets | 1.1092% | 1,932 |
| Return on assets (ROA) | 1.1099% | 1,981 |
| Pretax return on assets | 1.6028% | 1,338 |
| Return on Equity (ROE) | 9.1454% | 2,440 |
| Retained earnings to average equity (ytd only) | 4.8071% | 2,843 |
| Net charge-offs to loans | 0.0830% | 1,779 |
| Credit loss provision to net charge-offs | 132.8740% | 1,654 |
| Earnings coverage of net charge-offs (x) | 25.4626% | 1,605 |
| Efficiency ratio | 57.4453% | 4,659 |
| Assets per employee ($millions) | 4.8574% | 2,577 |
| Cash dividends to net income (ytd only)* | 47.4369% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 5,150 |
| Loan loss allowance to noncurrent loans | 263.2753% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,138 |
| Noncurrent loans to loans | 0.2750% | 4,060 |
| Net loans and leases to total assets | 80.3304% | 901 |
| Net loans and leases to deposits | 105.4744% | 417 |
| Net loans and leases to core deposits | 119.7092% | 568 |
| Total domestic deposits to total assets | 76.1610% | 5,071 |
| Equity capital to assets | 12.1316% | 1,842 |
| Core capital (leverage) ratio | 11.3259% | 2,105 |
| Tier 1 risk-based capital ratio | 11.9941% | 4,634 |
| Total risk-based capital ratio | 12.6332% | 4,923 |
| Memoranda: | ||
| Average total assets | $3,061,656,670 | 307 |
| Average earning assets | $2,823,421,000 | 296 |
| Average equity | $371,576,670 | 285 |
| Average total loans | $2,449,071,670 | 279 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 2,628 |
| Cost of funding earning assets | 0.3686% | 3,327 |
| Net interest margin | 3.7389% | 2,360 |
| Noninterest income to average assets | 0.7688% | 1,672 |
| Noninterest expense to average assets | 2.4932% | 3,832 |
| Loan and lease loss provision to assets | 0.0792% | 2,225 |
| Net operating income to assets | 1.1388% | 1,716 |
| Return on assets (ROA) | 1.1388% | 1,750 |
| Pretax return on assets | 1.6446% | 1,140 |
| Return on Equity (ROE) | 9.3817% | 2,240 |
| Retained earnings to average equity (ytd only) | 5.0001% | 2,894 |
| Net charge-offs to loans | 0.0473% | 1,907 |
| Credit loss provision to net charge-offs | 210.5263% | 986 |
| Earnings coverage of net charge-offs (x) | 45.8281% | 945 |
| Efficiency ratio | 57.1326% | 4,826 |
| Assets per employee ($millions) | 4.8607% | 2,619 |
| Cash dividends to net income (ytd only)* | 46.7030% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 5,201 |
| Loan loss allowance to noncurrent loans | 233.2908% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 4,098 |
| Noncurrent loans to loans | 0.3209% | 3,971 |
| Net loans and leases to total assets | 80.7938% | 724 |
| Net loans and leases to deposits | 106.0896% | 318 |
| Net loans and leases to core deposits | 121.5696% | 424 |
| Total domestic deposits to total assets | 76.1562% | 5,216 |
| Equity capital to assets | 12.3549% | 1,630 |
| Core capital (leverage) ratio | 11.4026% | 2,024 |
| Tier 1 risk-based capital ratio | 12.2756% | 4,524 |
| Total risk-based capital ratio | 12.9383% | 4,818 |
| Memoranda: | ||
| Average total assets | $3,030,818,000 | 311 |
| Average earning assets | $2,795,128,000 | 304 |
| Average equity | $367,909,500 | 288 |
| Average total loans | $2,409,967,000 | 285 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 2,062 |
| Cost of funding earning assets | 0.3662% | 3,355 |
| Net interest margin | 3.9579% | 1,759 |
| Noninterest income to average assets | 0.6059% | 2,630 |
| Noninterest expense to average assets | 2.5062% | 3,991 |
| Loan and lease loss provision to assets | 0.0975% | 2,423 |
| Net operating income to assets | 1.1154% | 1,839 |
| Return on assets (ROA) | 1.1154% | 1,929 |
| Pretax return on assets | 1.6468% | 1,148 |
| Return on Equity (ROE) | 8.9895% | 2,425 |
| Retained earnings to average equity (ytd only) | 1.0828% | 4,872 |
| Net charge-offs to loans | 0.0264% | 3,505 |
| Credit loss provision to net charge-offs | 467.7419% | 694 |
| Earnings coverage of net charge-offs (x) | 83.6968% | 692 |
| Efficiency ratio | 56.8473% | 4,971 |
| Assets per employee ($millions) | 4.9717% | 2,428 |
| Cash dividends to net income (ytd only)* | 87.9543% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7551% | 5,225 |
| Loan loss allowance to noncurrent loans | 282.4945% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 4,417 |
| Noncurrent loans to loans | 0.2673% | 4,194 |
| Net loans and leases to total assets | 77.0803% | 1,348 |
| Net loans and leases to deposits | 99.2190% | 724 |
| Net loans and leases to core deposits | 115.1768% | 651 |
| Total domestic deposits to total assets | 77.6871% | 5,018 |
| Equity capital to assets | 11.9275% | 1,860 |
| Core capital (leverage) ratio | 11.1364% | 2,224 |
| Tier 1 risk-based capital ratio | 12.4272% | 4,426 |
| Total risk-based capital ratio | 13.0931% | 4,729 |
| Memoranda: | ||
| Average total assets | $2,975,019,600 | 296 |
| Average earning assets | $2,739,511,800 | 291 |
| Average equity | $369,121,400 | 270 |
| Average total loans | $2,347,666,400 | 276 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 1,992 |
| Cost of funding earning assets | 0.3610% | 3,422 |
| Net interest margin | 3.9908% | 1,687 |
| Noninterest income to average assets | 0.6087% | 2,618 |
| Noninterest expense to average assets | 2.5745% | 3,751 |
| Loan and lease loss provision to assets | 0.1038% | 2,187 |
| Net operating income to assets | 1.0974% | 2,007 |
| Return on assets (ROA) | 1.0974% | 2,112 |
| Pretax return on assets | 1.6046% | 1,366 |
| Return on Equity (ROE) | 8.7572% | 2,629 |
| Retained earnings to average equity (ytd only) | 2.6217% | 4,344 |
| Net charge-offs to loans | 0.0259% | 3,148 |
| Credit loss provision to net charge-offs | 505.4945% | 695 |
| Earnings coverage of net charge-offs (x) | 83.1672% | 756 |
| Efficiency ratio | 57.9604% | 4,819 |
| Assets per employee ($millions) | 4.9735% | 2,399 |
| Cash dividends to net income (ytd only)* | 70.0621% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7283% | 5,367 |
| Loan loss allowance to noncurrent loans | 375.2891% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 4,725 |
| Noncurrent loans to loans | 0.1941% | 4,573 |
| Net loans and leases to total assets | 78.4825% | 1,120 |
| Net loans and leases to deposits | 102.4277% | 540 |
| Net loans and leases to core deposits | 120.3735% | 495 |
| Total domestic deposits to total assets | 76.6223% | 5,144 |
| Equity capital to assets | 12.3528% | 1,866 |
| Core capital (leverage) ratio | 11.3421% | 2,162 |
| Tier 1 risk-based capital ratio | 12.4479% | 4,505 |
| Total risk-based capital ratio | 13.0931% | 4,789 |
| Memoranda: | ||
| Average total assets | $2,953,125,250 | 299 |
| Average earning assets | $2,718,861,250 | 291 |
| Average equity | $370,078,750 | 269 |
| Average total loans | $2,339,928,000 | 275 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 1,864 |
| Cost of funding earning assets | 0.3494% | 3,576 |
| Net interest margin | 4.0370% | 1,533 |
| Noninterest income to average assets | 0.5620% | 2,840 |
| Noninterest expense to average assets | 2.6033% | 3,713 |
| Loan and lease loss provision to assets | 0.1163% | 1,948 |
| Net operating income to assets | 1.0671% | 2,097 |
| Return on assets (ROA) | 1.0671% | 2,219 |
| Pretax return on assets | 1.5602% | 1,491 |
| Return on Equity (ROE) | 8.4731% | 2,759 |
| Retained earnings to average equity (ytd only) | 1.4099% | 4,814 |
| Net charge-offs to loans | 0.0234% | 3,021 |
| Credit loss provision to net charge-offs | 627.3063% | 543 |
| Earnings coverage of net charge-offs (x) | 90.4096% | 632 |
| Efficiency ratio | 58.5847% | 4,828 |
| Assets per employee ($millions) | 4.7073% | 2,700 |
| Cash dividends to net income (ytd only)* | 83.3601% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7189% | 5,482 |
| Loan loss allowance to noncurrent loans | 234.6729% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 4,410 |
| Noncurrent loans to loans | 0.3064% | 4,272 |
| Net loans and leases to total assets | 79.2975% | 1,018 |
| Net loans and leases to deposits | 103.5615% | 477 |
| Net loans and leases to core deposits | 121.9375% | 462 |
| Total domestic deposits to total assets | 76.5704% | 5,211 |
| Equity capital to assets | 12.4939% | 1,775 |
| Core capital (leverage) ratio | 11.5067% | 1,990 |
| Tier 1 risk-based capital ratio | 12.4090% | 4,589 |
| Total risk-based capital ratio | 13.0463% | 4,856 |
| Memoranda: | ||
| Average total assets | $2,922,900,000 | 298 |
| Average earning assets | $2,691,768,000 | 292 |
| Average equity | $368,107,000 | 271 |
| Average total loans | $2,317,778,670 | 275 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 2,042 |
| Cost of funding earning assets | 0.3386% | 3,735 |
| Net interest margin | 3.9876% | 1,650 |
| Noninterest income to average assets | 0.5475% | 2,821 |
| Noninterest expense to average assets | 2.6699% | 3,522 |
| Loan and lease loss provision to assets | 0.0831% | 2,295 |
| Net operating income to assets | 1.0084% | 2,237 |
| Return on assets (ROA) | 1.0084% | 2,353 |
| Pretax return on assets | 1.4744% | 1,674 |
| Return on Equity (ROE) | 7.9744% | 2,926 |
| Retained earnings to average equity (ytd only) | -6.2324% | 5,678 |
| Net charge-offs to loans | 0.0035% | 3,001 |
| Credit loss provision to net charge-offs | 3,005.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 563.5000% | 93 |
| Efficiency ratio | 60.8205% | 4,632 |
| Assets per employee ($millions) | 4.7482% | 2,678 |
| Cash dividends to net income (ytd only)* | 178.1554% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 5,580 |
| Loan loss allowance to noncurrent loans | 205.4580% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 4,273 |
| Noncurrent loans to loans | 0.3448% | 4,199 |
| Net loans and leases to total assets | 78.4400% | 1,039 |
| Net loans and leases to deposits | 100.4312% | 594 |
| Net loans and leases to core deposits | 117.4309% | 553 |
| Total domestic deposits to total assets | 78.1033% | 5,131 |
| Equity capital to assets | 12.5190% | 1,671 |
| Core capital (leverage) ratio | 11.4502% | 2,010 |
| Tier 1 risk-based capital ratio | 12.5015% | 4,574 |
| Total risk-based capital ratio | 13.1282% | 4,896 |
| Memoranda: | ||
| Average total assets | $2,894,499,000 | 293 |
| Average earning assets | $2,671,063,000 | 291 |
| Average equity | $366,020,000 | 272 |
| Average total loans | $2,286,698,000 | 275 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 2,317 |
| Cost of funding earning assets | 0.3237% | 3,979 |
| Net interest margin | 3.9449% | 1,893 |
| Noninterest income to average assets | 0.5634% | 2,943 |
| Noninterest expense to average assets | 2.6985% | 3,583 |
| Loan and lease loss provision to assets | -0.0349% | 5,707 |
| Net operating income to assets | 1.0379% | 2,180 |
| Return on assets (ROA) | 1.0383% | 2,263 |
| Pretax return on assets | 1.5219% | 1,488 |
| Return on Equity (ROE) | 8.1630% | 2,864 |
| Retained earnings to average equity (ytd only) | 1.5488% | 4,837 |
| Net charge-offs to loans | 0.1545% | 1,827 |
| Credit loss provision to net charge-offs | -29.7619% | 5,016 |
| Earnings coverage of net charge-offs (x) | 12.6813% | 2,442 |
| Efficiency ratio | 61.9868% | 4,604 |
| Assets per employee ($millions) | 4.5119% | 3,028 |
| Cash dividends to net income (ytd only)* | 81.0261% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6884% | 5,653 |
| Loan loss allowance to noncurrent loans | 213.5212% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 4,404 |
| Noncurrent loans to loans | 0.3224% | 4,302 |
| Net loans and leases to total assets | 78.4595% | 1,061 |
| Net loans and leases to deposits | 99.1986% | 738 |
| Net loans and leases to core deposits | 116.7874% | 580 |
| Total domestic deposits to total assets | 79.0933% | 4,957 |
| Equity capital to assets | 12.7728% | 1,474 |
| Core capital (leverage) ratio | 11.6205% | 1,878 |
| Tier 1 risk-based capital ratio | 12.8952% | 4,389 |
| Total risk-based capital ratio | 13.5047% | 4,690 |
| Memoranda: | ||
| Average total assets | $2,866,484,400 | 290 |
| Average earning assets | $2,631,526,000 | 286 |
| Average equity | $364,597,400 | 263 |
| Average total loans | $2,175,397,000 | 268 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,390 |
| Cost of funding earning assets | 0.3184% | 4,127 |
| Net interest margin | 3.9349% | 1,918 |
| Noninterest income to average assets | 0.5669% | 2,935 |
| Noninterest expense to average assets | 2.6912% | 3,589 |
| Loan and lease loss provision to assets | -0.0699% | 5,956 |
| Net operating income to assets | 1.0651% | 2,150 |
| Return on assets (ROA) | 1.0651% | 2,243 |
| Pretax return on assets | 1.5548% | 1,520 |
| Return on Equity (ROE) | 8.3825% | 2,885 |
| Retained earnings to average equity (ytd only) | 0.4949% | 5,481 |
| Net charge-offs to loans | 0.1502% | 1,633 |
| Credit loss provision to net charge-offs | -61.9323% | 4,986 |
| Earnings coverage of net charge-offs (x) | 13.1623% | 2,348 |
| Efficiency ratio | 61.9020% | 4,586 |
| Assets per employee ($millions) | 4.4717% | 3,060 |
| Cash dividends to net income (ytd only)* | 94.0958% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7269% | 5,669 |
| Loan loss allowance to noncurrent loans | 152.7722% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 4,002 |
| Noncurrent loans to loans | 0.4758% | 3,935 |
| Net loans and leases to total assets | 76.9172% | 1,259 |
| Net loans and leases to deposits | 97.5066% | 864 |
| Net loans and leases to core deposits | 115.8653% | 596 |
| Total domestic deposits to total assets | 78.8842% | 5,003 |
| Equity capital to assets | 12.7064% | 1,612 |
| Core capital (leverage) ratio | 11.5963% | 1,960 |
| Tier 1 risk-based capital ratio | 13.0231% | 4,417 |
| Total risk-based capital ratio | 13.6647% | 4,726 |
| Memoranda: | ||
| Average total assets | $2,862,336,500 | 293 |
| Average earning assets | $2,625,382,250 | 293 |
| Average equity | $363,684,500 | 269 |
| Average total loans | $2,149,814,250 | 273 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 2,510 |
| Cost of funding earning assets | 0.3092% | 4,289 |
| Net interest margin | 3.9014% | 1,974 |
| Noninterest income to average assets | 0.5501% | 3,043 |
| Noninterest expense to average assets | 2.6935% | 3,613 |
| Loan and lease loss provision to assets | -0.0699% | 6,053 |
| Net operating income to assets | 1.0297% | 2,231 |
| Return on assets (ROA) | 1.0297% | 2,346 |
| Pretax return on assets | 1.5032% | 1,644 |
| Return on Equity (ROE) | 8.1039% | 2,990 |
| Retained earnings to average equity (ytd only) | 1.9929% | 4,700 |
| Net charge-offs to loans | 0.2332% | 1,113 |
| Credit loss provision to net charge-offs | -40.3226% | 4,792 |
| Earnings coverage of net charge-offs (x) | 8.2722% | 2,575 |
| Efficiency ratio | 62.6232% | 4,571 |
| Assets per employee ($millions) | 4.3544% | 3,204 |
| Cash dividends to net income (ytd only)* | 75.4088% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7625% | 5,686 |
| Loan loss allowance to noncurrent loans | 162.2355% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 4,207 |
| Noncurrent loans to loans | 0.4700% | 4,069 |
| Net loans and leases to total assets | 75.4510% | 1,446 |
| Net loans and leases to deposits | 94.5050% | 1,103 |
| Net loans and leases to core deposits | 113.5830% | 687 |
| Total domestic deposits to total assets | 79.8381% | 4,901 |
| Equity capital to assets | 12.7818% | 1,505 |
| Core capital (leverage) ratio | 11.7133% | 1,831 |
| Tier 1 risk-based capital ratio | 13.1124% | 4,453 |
| Total risk-based capital ratio | 13.7722% | 4,709 |
| Memoranda: | ||
| Average total assets | $2,862,493,000 | 293 |
| Average earning assets | $2,624,330,000 | 292 |
| Average equity | $363,699,670 | 270 |
| Average total loans | $2,127,289,670 | 275 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,445 |
| Cost of funding earning assets | 0.3186% | 4,240 |
| Net interest margin | 3.8851% | 1,947 |
| Noninterest income to average assets | 0.5298% | 3,092 |
| Noninterest expense to average assets | 2.6151% | 3,880 |
| Loan and lease loss provision to assets | -0.0558% | 6,170 |
| Net operating income to assets | 1.0481% | 2,041 |
| Return on assets (ROA) | 1.0481% | 2,186 |
| Pretax return on assets | 1.5299% | 1,460 |
| Return on Equity (ROE) | 8.2735% | 2,819 |
| Retained earnings to average equity (ytd only) | 1.5405% | 4,862 |
| Net charge-offs to loans | -0.2676% | 6,118 |
| Credit loss provision to net charge-offs | 28.4091% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2412% | 4,928 |
| Assets per employee ($millions) | 4.4516% | 3,131 |
| Cash dividends to net income (ytd only)* | 81.3799% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 5,072 |
| Loan loss allowance to noncurrent loans | 66.4688% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1663% | 2,299 |
| Noncurrent loans to loans | 1.4933% | 1,894 |
| Net loans and leases to total assets | 73.4696% | 1,571 |
| Net loans and leases to deposits | 91.9414% | 1,194 |
| Net loans and leases to core deposits | 112.3274% | 637 |
| Total domestic deposits to total assets | 79.9091% | 5,068 |
| Equity capital to assets | 12.7585% | 1,537 |
| Core capital (leverage) ratio | 11.6013% | 1,923 |
| Tier 1 risk-based capital ratio | 13.1979% | 4,501 |
| Total risk-based capital ratio | 14.0485% | 4,645 |
| Memoranda: | ||
| Average total assets | $2,865,480,000 | 289 |
| Average earning assets | $2,625,331,000 | 289 |
| Average equity | $362,992,000 | 269 |
| Average total loans | $2,105,018,500 | 275 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 2,605 |
| Cost of funding earning assets | 0.4414% | 3,256 |
| Net interest margin | 3.8589% | 2,398 |
| Noninterest income to average assets | 0.4785% | 3,659 |
| Noninterest expense to average assets | 2.7629% | 3,623 |
| Loan and lease loss provision to assets | -0.1315% | 6,200 |
| Net operating income to assets | 0.9299% | 2,726 |
| Return on assets (ROA) | 0.9299% | 2,815 |
| Pretax return on assets | 1.3516% | 2,069 |
| Return on Equity (ROE) | 7.4401% | 3,404 |
| Retained earnings to average equity (ytd only) | 3.2009% | 3,959 |
| Net charge-offs to loans | -0.0132% | 5,618 |
| Credit loss provision to net charge-offs | 1,363.6364% | 208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3265% | 4,011 |
| Assets per employee ($millions) | 4.3997% | 3,193 |
| Cash dividends to net income (ytd only)* | 56.9772% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 5,251 |
| Loan loss allowance to noncurrent loans | 62.0676% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.1933% | 2,388 |
| Noncurrent loans to loans | 1.5455% | 1,893 |
| Net loans and leases to total assets | 72.0228% | 1,910 |
| Net loans and leases to deposits | 90.8215% | 1,431 |
| Net loans and leases to core deposits | 112.6603% | 661 |
| Total domestic deposits to total assets | 79.3016% | 5,186 |
| Equity capital to assets | 12.5775% | 1,598 |
| Core capital (leverage) ratio | 11.0925% | 2,322 |
| Tier 1 risk-based capital ratio | 13.4969% | 4,415 |
| Total risk-based capital ratio | 14.3619% | 4,571 |
| Memoranda: | ||
| Average total assets | $2,281,823,800 | 328 |
| Average earning assets | $2,072,282,400 | 328 |
| Average equity | $285,197,800 | 304 |
| Average total loans | $1,670,212,600 | 304 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 2,965 |
| Cost of funding earning assets | 0.4721% | 3,036 |
| Net interest margin | 3.7343% | 2,876 |
| Noninterest income to average assets | 0.4637% | 3,782 |
| Noninterest expense to average assets | 2.7146% | 3,775 |
| Loan and lease loss provision to assets | -0.1874% | 6,379 |
| Net operating income to assets | 0.8930% | 2,942 |
| Return on assets (ROA) | 0.8930% | 3,048 |
| Pretax return on assets | 1.3184% | 2,311 |
| Return on Equity (ROE) | 7.1600% | 3,630 |
| Retained earnings to average equity (ytd only) | 2.1455% | 4,985 |
| Net charge-offs to loans | -0.0471% | 5,883 |
| Credit loss provision to net charge-offs | 542.4955% | 536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8708% | 3,694 |
| Assets per employee ($millions) | 4.4420% | 3,065 |
| Cash dividends to net income (ytd only)* | 70.0343% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 5,274 |
| Loan loss allowance to noncurrent loans | 186.4044% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 4,463 |
| Noncurrent loans to loans | 0.5285% | 4,349 |
| Net loans and leases to total assets | 72.0350% | 1,841 |
| Net loans and leases to deposits | 90.0067% | 1,429 |
| Net loans and leases to core deposits | 112.0758% | 660 |
| Total domestic deposits to total assets | 80.0330% | 5,087 |
| Equity capital to assets | 12.4551% | 1,730 |
| Core capital (leverage) ratio | 10.9409% | 2,544 |
| Tier 1 risk-based capital ratio | 13.0872% | 4,806 |
| Total risk-based capital ratio | 13.9599% | 4,944 |
| Memoranda: | ||
| Average total assets | $2,134,022,750 | 347 |
| Average earning assets | $1,932,572,250 | 347 |
| Average equity | $266,158,500 | 316 |
| Average total loans | $1,565,446,500 | 320 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7394% | 4,736 |
| Cost of funding earning assets | 0.5440% | 2,396 |
| Net interest margin | 3.1954% | 4,961 |
| Noninterest income to average assets | 0.4653% | 3,745 |
| Noninterest expense to average assets | 2.4453% | 4,751 |
| Loan and lease loss provision to assets | -0.2740% | 6,518 |
| Net operating income to assets | 0.8031% | 3,311 |
| Return on assets (ROA) | 0.8031% | 3,417 |
| Pretax return on assets | 1.1822% | 2,750 |
| Return on Equity (ROE) | 6.4345% | 3,921 |
| Retained earnings to average equity (ytd only) | -2.0182% | 5,993 |
| Net charge-offs to loans | -0.0909% | 6,118 |
| Credit loss provision to net charge-offs | 409.4488% | 682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0867% | 3,317 |
| Assets per employee ($millions) | 4.4342% | 3,030 |
| Cash dividends to net income (ytd only)* | 131.3648% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,322 |
| Loan loss allowance to noncurrent loans | 185.3372% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 4,529 |
| Noncurrent loans to loans | 0.5427% | 4,379 |
| Net loans and leases to total assets | 71.7695% | 1,785 |
| Net loans and leases to deposits | 88.4812% | 1,535 |
| Net loans and leases to core deposits | 110.7953% | 661 |
| Total domestic deposits to total assets | 81.1128% | 4,943 |
| Equity capital to assets | 12.1300% | 1,898 |
| Core capital (leverage) ratio | 16.5824% | 403 |
| Tier 1 risk-based capital ratio | 12.7910% | 5,043 |
| Total risk-based capital ratio | 13.6839% | 5,194 |
| Memoranda: | ||
| Average total assets | $1,897,727,000 | 378 |
| Average earning assets | $1,715,291,330 | 376 |
| Average equity | $236,849,330 | 343 |
| Average total loans | $1,397,840,330 | 339 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 2,730 |
| Cost of funding earning assets | 0.6885% | 1,317 |
| Net interest margin | 3.5494% | 3,485 |
| Noninterest income to average assets | 0.5012% | 3,401 |
| Noninterest expense to average assets | 2.5603% | 4,414 |
| Loan and lease loss provision to assets | -0.5365% | 6,669 |
| Net operating income to assets | 1.1521% | 1,622 |
| Return on assets (ROA) | 1.1521% | 1,695 |
| Pretax return on assets | 1.6914% | 992 |
| Return on Equity (ROE) | 8.9762% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.5441% | 2,767 |
| Net charge-offs to loans | -0.0125% | 5,132 |
| Credit loss provision to net charge-offs | 5,757.5758% | 62 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9139% | 4,016 |
| Assets per employee ($millions) | 5.7754% | 1,477 |
| Cash dividends to net income (ytd only)* | 38.2353% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 1,588 |
| Loan loss allowance to noncurrent loans | 330.4526% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 4,277 |
| Noncurrent loans to loans | 0.5944% | 4,376 |
| Net loans and leases to total assets | 74.2148% | 1,236 |
| Net loans and leases to deposits | 94.1623% | 777 |
| Net loans and leases to core deposits | 142.0449% | 124 |
| Total domestic deposits to total assets | 78.8158% | 5,713 |
| Equity capital to assets | 13.0514% | 1,287 |
| Core capital (leverage) ratio | 12.7694% | 1,258 |
| Tier 1 risk-based capital ratio | 14.7280% | 3,871 |
| Total risk-based capital ratio | 15.9836% | 3,820 |
| Memoranda: | ||
| Average total assets | $1,416,577,000 | 484 |
| Average earning assets | $1,282,700,000 | 486 |
| Average equity | $181,813,500 | 428 |
| Average total loans | $1,060,018,500 | 432 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6460% | 1,730 |
| Cost of funding earning assets | 0.7600% | 1,440 |
| Net interest margin | 3.8860% | 2,347 |
| Noninterest income to average assets | 0.5978% | 3,109 |
| Noninterest expense to average assets | 2.5226% | 4,695 |
| Loan and lease loss provision to assets | -0.5164% | 6,749 |
| Net operating income to assets | 1.4307% | 965 |
| Return on assets (ROA) | 1.4307% | 1,002 |
| Pretax return on assets | 2.0859% | 401 |
| Return on Equity (ROE) | 11.3310% | 1,661 |
| Retained earnings to average equity (ytd only) | 8.2147% | 984 |
| Net charge-offs to loans | -0.1280% | 6,537 |
| Credit loss provision to net charge-offs | 535.7143% | 437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6466% | 5,267 |
| Assets per employee ($millions) | 5.9085% | 1,331 |
| Cash dividends to net income (ytd only)* | 27.5029% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1667% | 1,225 |
| Loan loss allowance to noncurrent loans | 339.6993% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 4,229 |
| Noncurrent loans to loans | 0.6378% | 4,387 |
| Net loans and leases to total assets | 72.3638% | 1,624 |
| Net loans and leases to deposits | 91.8856% | 1,066 |
| Net loans and leases to core deposits | 139.5597% | 133 |
| Total domestic deposits to total assets | 78.7542% | 5,697 |
| Equity capital to assets | 12.6202% | 1,453 |
| Core capital (leverage) ratio | 12.2651% | 1,461 |
| Tier 1 risk-based capital ratio | 14.3772% | 4,029 |
| Total risk-based capital ratio | 15.6349% | 3,971 |
| Memoranda: | ||
| Average total assets | $1,394,181,000 | 485 |
| Average earning assets | $1,253,649,400 | 482 |
| Average equity | $176,038,800 | 432 |
| Average total loans | $1,050,307,400 | 417 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 1,926 |
| Cost of funding earning assets | 0.7686% | 1,488 |
| Net interest margin | 3.8258% | 2,555 |
| Noninterest income to average assets | 0.6046% | 3,122 |
| Noninterest expense to average assets | 2.5404% | 4,584 |
| Loan and lease loss provision to assets | -0.4519% | 6,821 |
| Net operating income to assets | 1.3390% | 1,248 |
| Return on assets (ROA) | 1.3390% | 1,295 |
| Pretax return on assets | 1.9486% | 653 |
| Return on Equity (ROE) | 10.6034% | 1,960 |
| Retained earnings to average equity (ytd only) | 7.2679% | 1,758 |
| Net charge-offs to loans | -0.1547% | 6,600 |
| Credit loss provision to net charge-offs | 385.8785% | 689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9260% | 4,994 |
| Assets per employee ($millions) | 5.8996% | 1,307 |
| Cash dividends to net income (ytd only)* | 31.4569% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3427% | 1,117 |
| Loan loss allowance to noncurrent loans | 292.6249% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8587% | 3,971 |
| Noncurrent loans to loans | 0.8006% | 4,241 |
| Net loans and leases to total assets | 74.1786% | 1,265 |
| Net loans and leases to deposits | 93.5233% | 861 |
| Net loans and leases to core deposits | 142.6589% | 115 |
| Total domestic deposits to total assets | 79.3156% | 5,671 |
| Equity capital to assets | 12.4244% | 1,624 |
| Core capital (leverage) ratio | 12.4830% | 1,430 |
| Tier 1 risk-based capital ratio | 14.0031% | 4,431 |
| Total risk-based capital ratio | 15.2632% | 4,374 |
| Memoranda: | ||
| Average total assets | $1,386,739,750 | 491 |
| Average earning assets | $1,244,176,750 | 486 |
| Average equity | $175,122,250 | 435 |
| Average total loans | $1,049,573,750 | 415 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 1,984 |
| Cost of funding earning assets | 0.7799% | 1,527 |
| Net interest margin | 3.7821% | 2,626 |
| Noninterest income to average assets | 0.6504% | 2,914 |
| Noninterest expense to average assets | 2.5456% | 4,576 |
| Loan and lease loss provision to assets | -0.4357% | 6,865 |
| Net operating income to assets | 1.3515% | 1,188 |
| Return on assets (ROA) | 1.3515% | 1,275 |
| Pretax return on assets | 1.9368% | 685 |
| Return on Equity (ROE) | 10.6430% | 1,949 |
| Retained earnings to average equity (ytd only) | 7.1201% | 1,835 |
| Net charge-offs to loans | 0.1403% | 2,981 |
| Credit loss provision to net charge-offs | -410.9589% | 5,875 |
| Earnings coverage of net charge-offs (x) | 14.1575% | 1,845 |
| Efficiency ratio | 62.9065% | 5,031 |
| Assets per employee ($millions) | 5.5747% | 1,518 |
| Cash dividends to net income (ytd only)* | 33.1005% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3565% | 1,162 |
| Loan loss allowance to noncurrent loans | 237.0261% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 1.0794% | 3,579 |
| Noncurrent loans to loans | 0.9942% | 3,946 |
| Net loans and leases to total assets | 77.2628% | 832 |
| Net loans and leases to deposits | 97.1724% | 595 |
| Net loans and leases to core deposits | 143.6104% | 115 |
| Total domestic deposits to total assets | 79.5110% | 5,714 |
| Equity capital to assets | 13.1645% | 1,277 |
| Core capital (leverage) ratio | 12.4950% | 1,361 |
| Tier 1 risk-based capital ratio | 14.1058% | 4,352 |
| Total risk-based capital ratio | 15.3661% | 4,308 |
| Memoranda: | ||
| Average total assets | $1,377,020,670 | 492 |
| Average earning assets | $1,236,558,670 | 487 |
| Average equity | $174,857,330 | 433 |
| Average total loans | $1,040,936,000 | 414 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 2,023 |
| Cost of funding earning assets | 0.7852% | 1,615 |
| Net interest margin | 3.7543% | 2,641 |
| Noninterest income to average assets | 0.6716% | 2,749 |
| Noninterest expense to average assets | 2.4998% | 4,755 |
| Loan and lease loss provision to assets | -0.4296% | 6,946 |
| Net operating income to assets | 1.3857% | 1,058 |
| Return on assets (ROA) | 1.3857% | 1,142 |
| Pretax return on assets | 1.9677% | 628 |
| Return on Equity (ROE) | 11.1077% | 1,677 |
| Retained earnings to average equity (ytd only) | 7.0187% | 2,139 |
| Net charge-offs to loans | 0.4426% | 1,344 |
| Credit loss provision to net charge-offs | -131.3485% | 5,184 |
| Earnings coverage of net charge-offs (x) | 4.7023% | 2,495 |
| Efficiency ratio | 61.9095% | 5,315 |
| Assets per employee ($millions) | 5.9638% | 1,280 |
| Cash dividends to net income (ytd only)* | 36.8127% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5451% | 1,064 |
| Loan loss allowance to noncurrent loans | 210.0613% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 3,215 |
| Noncurrent loans to loans | 1.2116% | 3,746 |
| Net loans and leases to total assets | 72.3640% | 1,300 |
| Net loans and leases to deposits | 91.1440% | 878 |
| Net loans and leases to core deposits | 133.6815% | 155 |
| Total domestic deposits to total assets | 79.3953% | 5,896 |
| Equity capital to assets | 12.7336% | 1,570 |
| Core capital (leverage) ratio | 12.0077% | 1,557 |
| Tier 1 risk-based capital ratio | 14.1084% | 4,424 |
| Total risk-based capital ratio | 15.3722% | 4,368 |
| Memoranda: | ||
| Average total assets | $1,396,570,500 | 483 |
| Average earning assets | $1,252,226,000 | 487 |
| Average equity | $174,221,000 | 438 |
| Average total loans | $1,032,073,000 | 419 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 2,108 |
| Cost of funding earning assets | 0.9851% | 1,431 |
| Net interest margin | 3.8382% | 3,068 |
| Noninterest income to average assets | 0.4222% | 4,440 |
| Noninterest expense to average assets | 2.6301% | 4,645 |
| Loan and lease loss provision to assets | -0.2214% | 6,988 |
| Net operating income to assets | 0.9836% | 2,413 |
| Return on assets (ROA) | 0.9836% | 2,634 |
| Pretax return on assets | 1.4336% | 1,926 |
| Return on Equity (ROE) | 7.5898% | 3,299 |
| Retained earnings to average equity (ytd only) | -10.3237% | 6,650 |
| Net charge-offs to loans | 0.4519% | 2,426 |
| Credit loss provision to net charge-offs | -65.1945% | 6,296 |
| Earnings coverage of net charge-offs (x) | 3.5691% | 3,679 |
| Efficiency ratio | 68.4507% | 4,065 |
| Assets per employee ($millions) | 6.0751% | 1,239 |
| Cash dividends to net income (ytd only)* | 236.0203% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7543% | 870 |
| Loan loss allowance to noncurrent loans | 151.1543% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.8326% | 2,674 |
| Noncurrent loans to loans | 1.8221% | 2,885 |
| Net loans and leases to total assets | 71.5307% | 1,562 |
| Net loans and leases to deposits | 89.1549% | 1,148 |
| Net loans and leases to core deposits | 135.0407% | 153 |
| Total domestic deposits to total assets | 80.2320% | 5,603 |
| Equity capital to assets | 12.2232% | 1,905 |
| Core capital (leverage) ratio | 11.3969% | 1,939 |
| Tier 1 risk-based capital ratio | 13.4512% | 4,789 |
| Total risk-based capital ratio | 14.7177% | 4,734 |
| Memoranda: | ||
| Average total assets | $1,400,010,600 | 479 |
| Average earning assets | $1,247,501,800 | 483 |
| Average equity | $181,427,800 | 414 |
| Average total loans | $1,052,314,000 | 407 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 2,079 |
| Cost of funding earning assets | 1.0285% | 1,402 |
| Net interest margin | 3.8529% | 3,105 |
| Noninterest income to average assets | 0.3606% | 4,937 |
| Noninterest expense to average assets | 2.6477% | 4,572 |
| Loan and lease loss provision to assets | -0.3247% | 7,125 |
| Net operating income to assets | 0.9996% | 2,502 |
| Return on assets (ROA) | 0.9996% | 2,729 |
| Pretax return on assets | 1.4668% | 2,019 |
| Return on Equity (ROE) | 7.6040% | 3,472 |
| Retained earnings to average equity (ytd only) | -15.2509% | 6,913 |
| Net charge-offs to loans | 0.6786% | 1,628 |
| Credit loss provision to net charge-offs | -63.3147% | 6,206 |
| Earnings coverage of net charge-offs (x) | 2.2270% | 4,148 |
| Efficiency ratio | 69.8644% | 3,713 |
| Assets per employee ($millions) | 6.0077% | 1,243 |
| Cash dividends to net income (ytd only)* | 300.5637% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6816% | 998 |
| Loan loss allowance to noncurrent loans | 112.0294% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 2.6011% | 2,029 |
| Noncurrent loans to loans | 2.3936% | 2,410 |
| Net loans and leases to total assets | 72.9161% | 1,408 |
| Net loans and leases to deposits | 90.9178% | 1,055 |
| Net loans and leases to core deposits | 139.7434% | 140 |
| Total domestic deposits to total assets | 80.2000% | 5,600 |
| Equity capital to assets | 12.3838% | 1,972 |
| Core capital (leverage) ratio | 11.3846% | 2,065 |
| Tier 1 risk-based capital ratio | 13.2943% | 5,028 |
| Total risk-based capital ratio | 14.5609% | 4,982 |
| Memoranda: | ||
| Average total assets | $1,396,140,250 | 481 |
| Average earning assets | $1,242,612,000 | 488 |
| Average equity | $183,530,250 | 401 |
| Average total loans | $1,055,095,250 | 406 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 2,015 |
| Cost of funding earning assets | 1.0647% | 1,387 |
| Net interest margin | 3.8583% | 3,100 |
| Noninterest income to average assets | 0.3543% | 5,000 |
| Noninterest expense to average assets | 2.6442% | 4,630 |
| Loan and lease loss provision to assets | -0.4283% | 7,196 |
| Net operating income to assets | 1.0733% | 2,155 |
| Return on assets (ROA) | 1.0733% | 2,376 |
| Pretax return on assets | 1.5704% | 1,639 |
| Return on Equity (ROE) | 8.0120% | 3,254 |
| Retained earnings to average equity (ytd only) | -16.6474% | 6,969 |
| Net charge-offs to loans | 0.7239% | 1,525 |
| Credit loss provision to net charge-offs | -78.0640% | 6,043 |
| Earnings coverage of net charge-offs (x) | 2.0817% | 3,949 |
| Efficiency ratio | 69.8364% | 3,794 |
| Assets per employee ($millions) | 5.9691% | 1,257 |
| Cash dividends to net income (ytd only)* | 307.7813% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7982% | 948 |
| Loan loss allowance to noncurrent loans | 104.0806% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 2.9060% | 1,905 |
| Noncurrent loans to loans | 2.6885% | 2,237 |
| Net loans and leases to total assets | 74.7946% | 1,130 |
| Net loans and leases to deposits | 93.2413% | 834 |
| Net loans and leases to core deposits | 145.3755% | 121 |
| Total domestic deposits to total assets | 80.2162% | 5,682 |
| Equity capital to assets | 12.8085% | 1,617 |
| Core capital (leverage) ratio | 11.4520% | 1,937 |
| Tier 1 risk-based capital ratio | 13.3390% | 4,938 |
| Total risk-based capital ratio | 14.6068% | 4,889 |
| Memoranda: | ||
| Average total assets | $1,400,933,670 | 479 |
| Average earning assets | $1,246,144,000 | 491 |
| Average equity | $187,669,000 | 393 |
| Average total loans | $1,061,697,670 | 403 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9954% | 1,901 |
| Cost of funding earning assets | 1.0963% | 1,422 |
| Net interest margin | 3.8992% | 2,929 |
| Noninterest income to average assets | 0.4575% | 4,246 |
| Noninterest expense to average assets | 2.6128% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9085% | 2,872 |
| Return on assets (ROA) | 0.9085% | 3,100 |
| Pretax return on assets | 1.3179% | 2,482 |
| Return on Equity (ROE) | 6.6398% | 3,968 |
| Retained earnings to average equity (ytd only) | 3.4100% | 4,524 |
| Net charge-offs to loans | 2.1050% | 433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8323% | 3,912 |
| Efficiency ratio | 66.4721% | 4,469 |
| Assets per employee ($millions) | 6.2039% | 1,150 |
| Cash dividends to net income (ytd only)* | 48.6436% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9423% | 881 |
| Loan loss allowance to noncurrent loans | 80.0202% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 3.7377% | 1,498 |
| Noncurrent loans to loans | 3.6769% | 1,686 |
| Net loans and leases to total assets | 73.1251% | 1,201 |
| Net loans and leases to deposits | 93.2549% | 714 |
| Net loans and leases to core deposits | 145.1596% | 127 |
| Total domestic deposits to total assets | 78.4143% | 6,207 |
| Equity capital to assets | 13.8762% | 1,061 |
| Core capital (leverage) ratio | 12.6883% | 1,250 |
| Tier 1 risk-based capital ratio | 14.8734% | 3,843 |
| Total risk-based capital ratio | 16.1418% | 3,798 |
| Memoranda: | ||
| Average total assets | $1,411,974,500 | 472 |
| Average earning assets | $1,257,707,500 | 485 |
| Average equity | $193,198,500 | 373 |
| Average total loans | $1,062,048,500 | 399 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 2,288 |
| Cost of funding earning assets | 1.3649% | 1,183 |
| Net interest margin | 3.7751% | 3,951 |
| Noninterest income to average assets | 0.3257% | 5,212 |
| Noninterest expense to average assets | 2.5148% | 5,424 |
| Loan and lease loss provision to assets | 0.4510% | 2,342 |
| Net operating income to assets | 2.4241% | 150 |
| Return on assets (ROA) | 2.4241% | 157 |
| Pretax return on assets | 0.7841% | 4,037 |
| Return on Equity (ROE) | 21.9929% | 183 |
| Retained earnings to average equity (ytd only) | 19.0710% | 60 |
| Net charge-offs to loans | 1.3662% | 1,206 |
| Credit loss provision to net charge-offs | 43.8485% | 5,559 |
| Earnings coverage of net charge-offs (x) | 1.2008% | 4,886 |
| Efficiency ratio | 67.0624% | 4,562 |
| Assets per employee ($millions) | 6.3189% | 1,048 |
| Cash dividends to net income (ytd only)* | 13.2857% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4065% | 573 |
| Loan loss allowance to noncurrent loans | 81.0507% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 4.2263% | 1,331 |
| Noncurrent loans to loans | 4.2029% | 1,461 |
| Net loans and leases to total assets | 72.5373% | 1,553 |
| Net loans and leases to deposits | 93.1039% | 875 |
| Net loans and leases to core deposits | 147.9340% | 139 |
| Total domestic deposits to total assets | 77.9100% | 6,212 |
| Equity capital to assets | 13.4939% | 1,265 |
| Core capital (leverage) ratio | 11.5490% | 1,847 |
| Tier 1 risk-based capital ratio | 14.1245% | 4,238 |
| Total risk-based capital ratio | 15.3979% | 4,171 |
| Memoranda: | ||
| Average total assets | $1,529,842,400 | 434 |
| Average earning assets | $1,387,693,600 | 428 |
| Average equity | $168,622,400 | 422 |
| Average total loans | $1,151,794,600 | 370 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 2,320 |
| Cost of funding earning assets | 1.4210% | 1,146 |
| Net interest margin | 3.7464% | 4,126 |
| Noninterest income to average assets | 0.3050% | 5,420 |
| Noninterest expense to average assets | 2.5526% | 5,268 |
| Loan and lease loss provision to assets | 0.4286% | 2,328 |
| Net operating income to assets | 0.7356% | 3,447 |
| Return on assets (ROA) | 0.7356% | 3,623 |
| Pretax return on assets | 0.7356% | 4,360 |
| Return on Equity (ROE) | 7.0362% | 3,511 |
| Retained earnings to average equity (ytd only) | 4.9576% | 3,197 |
| Net charge-offs to loans | 1.2537% | 1,239 |
| Credit loss provision to net charge-offs | 45.3844% | 5,135 |
| Earnings coverage of net charge-offs (x) | 1.2327% | 4,692 |
| Efficiency ratio | 68.6763% | 4,178 |
| Assets per employee ($millions) | 6.2319% | 1,069 |
| Cash dividends to net income (ytd only)* | 29.5420% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5969% | 523 |
| Loan loss allowance to noncurrent loans | 99.5270% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 3.8475% | 1,605 |
| Noncurrent loans to loans | 3.6140% | 1,900 |
| Net loans and leases to total assets | 71.4097% | 1,833 |
| Net loans and leases to deposits | 88.7424% | 1,348 |
| Net loans and leases to core deposits | 148.6371% | 138 |
| Total domestic deposits to total assets | 80.4685% | 5,605 |
| Equity capital to assets | 11.4011% | 2,776 |
| Core capital (leverage) ratio | 10.8579% | 2,514 |
| Tier 1 risk-based capital ratio | 13.2160% | 4,939 |
| Total risk-based capital ratio | 14.4916% | 4,889 |
| Memoranda: | ||
| Average total assets | $1,555,283,250 | 430 |
| Average earning assets | $1,416,404,000 | 422 |
| Average equity | $162,602,250 | 445 |
| Average total loans | $1,171,637,750 | 367 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 2,219 |
| Cost of funding earning assets | 1.4645% | 1,147 |
| Net interest margin | 3.7471% | 4,046 |
| Noninterest income to average assets | 0.2970% | 5,510 |
| Noninterest expense to average assets | 2.5833% | 5,248 |
| Loan and lease loss provision to assets | 0.4932% | 1,995 |
| Net operating income to assets | 0.6412% | 3,847 |
| Return on assets (ROA) | 0.6412% | 3,970 |
| Pretax return on assets | 0.6412% | 4,611 |
| Return on Equity (ROE) | 6.3109% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.3109% | 2,240 |
| Net charge-offs to loans | 1.7617% | 806 |
| Credit loss provision to net charge-offs | 36.9738% | 4,870 |
| Earnings coverage of net charge-offs (x) | 0.8504% | 4,661 |
| Efficiency ratio | 69.4856% | 4,211 |
| Assets per employee ($millions) | 6.5398% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4479% | 619 |
| Loan loss allowance to noncurrent loans | 89.1693% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 4.0275% | 1,585 |
| Noncurrent loans to loans | 3.8667% | 1,796 |
| Net loans and leases to total assets | 70.5521% | 2,105 |
| Net loans and leases to deposits | 86.8317% | 1,672 |
| Net loans and leases to core deposits | 148.4385% | 151 |
| Total domestic deposits to total assets | 81.2515% | 5,446 |
| Equity capital to assets | 10.6957% | 3,291 |
| Core capital (leverage) ratio | 10.3810% | 2,851 |
| Tier 1 risk-based capital ratio | 12.7143% | 5,164 |
| Total risk-based capital ratio | 13.9864% | 5,120 |
| Memoranda: | ||
| Average total assets | $1,581,394,000 | 429 |
| Average earning assets | $1,443,661,000 | 417 |
| Average equity | $160,673,330 | 450 |
| Average total loans | $1,197,504,670 | 361 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2247% | 2,141 |
| Cost of funding earning assets | 1.4974% | 1,169 |
| Net interest margin | 3.7273% | 3,961 |
| Noninterest income to average assets | 0.2938% | 5,566 |
| Noninterest expense to average assets | 2.6843% | 4,897 |
| Loan and lease loss provision to assets | 0.5487% | 1,577 |
| Net operating income to assets | 0.4699% | 4,622 |
| Return on assets (ROA) | 0.4699% | 4,702 |
| Pretax return on assets | 0.4699% | 5,122 |
| Return on Equity (ROE) | 4.7449% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.7449% | 3,348 |
| Net charge-offs to loans | 1.7655% | 743 |
| Credit loss provision to net charge-offs | 40.3670% | 3,940 |
| Earnings coverage of net charge-offs (x) | 0.7494% | 4,073 |
| Efficiency ratio | 72.4909% | 3,771 |
| Assets per employee ($millions) | 6.5391% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4898% | 609 |
| Loan loss allowance to noncurrent loans | 75.9663% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 4.5246% | 1,433 |
| Noncurrent loans to loans | 4.5939% | 1,508 |
| Net loans and leases to total assets | 73.9100% | 1,363 |
| Net loans and leases to deposits | 92.8367% | 943 |
| Net loans and leases to core deposits | 168.0516% | 112 |
| Total domestic deposits to total assets | 79.6129% | 6,033 |
| Equity capital to assets | 10.1274% | 3,617 |
| Core capital (leverage) ratio | 9.9387% | 3,213 |
| Tier 1 risk-based capital ratio | 11.7736% | 5,876 |
| Total risk-based capital ratio | 13.0466% | 5,864 |
| Memoranda: | ||
| Average total assets | $1,603,667,500 | 426 |
| Average earning assets | $1,466,788,000 | 416 |
| Average equity | $158,822,000 | 449 |
| Average total loans | $1,234,758,000 | 356 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3250% | 3,003 |
| Cost of funding earning assets | 1.8674% | 952 |
| Net interest margin | 3.4576% | 5,403 |
| Noninterest income to average assets | 0.2422% | 6,065 |
| Noninterest expense to average assets | 2.2814% | 6,409 |
| Loan and lease loss provision to assets | 1.7564% | 794 |
| Net operating income to assets | -0.6319% | 6,470 |
| Return on assets (ROA) | -0.6056% | 6,481 |
| Pretax return on assets | -0.6082% | 6,402 |
| Return on Equity (ROE) | -6.5835% | 6,534 |
| Retained earnings to average equity (ytd only) | -7.2260% | 6,471 |
| Net charge-offs to loans | 2.4368% | 775 |
| Credit loss provision to net charge-offs | 92.6843% | 5,007 |
| Earnings coverage of net charge-offs (x) | 0.5920% | 5,511 |
| Efficiency ratio | 67.0340% | 4,758 |
| Assets per employee ($millions) | 6.7975% | 821 |
| Cash dividends to net income (ytd only)* | -9.7592% | 7,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5931% | 551 |
| Loan loss allowance to noncurrent loans | 70.1412% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 4.9869% | 1,289 |
| Noncurrent loans to loans | 5.1227% | 1,296 |
| Net loans and leases to total assets | 74.6143% | 1,554 |
| Net loans and leases to deposits | 95.4667% | 914 |
| Net loans and leases to core deposits | 178.6868% | 112 |
| Total domestic deposits to total assets | 78.1573% | 6,281 |
| Equity capital to assets | 9.6875% | 4,154 |
| Core capital (leverage) ratio | 9.1298% | 4,303 |
| Tier 1 risk-based capital ratio | 11.1963% | 6,183 |
| Total risk-based capital ratio | 12.4708% | 6,149 |
| Memoranda: | ||
| Average total assets | $1,810,480,200 | 381 |
| Average earning assets | $1,655,262,200 | 373 |
| Average equity | $166,538,200 | 416 |
| Average total loans | $1,407,988,200 | 333 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 3,262 |
| Cost of funding earning assets | 1.9112% | 997 |
| Net interest margin | 3.4073% | 5,648 |
| Noninterest income to average assets | 0.2437% | 6,146 |
| Noninterest expense to average assets | 2.1944% | 6,618 |
| Loan and lease loss provision to assets | 1.7967% | 696 |
| Net operating income to assets | -0.4813% | 6,578 |
| Return on assets (ROA) | -0.4553% | 6,604 |
| Pretax return on assets | -0.5998% | 6,614 |
| Return on Equity (ROE) | -5.0087% | 6,651 |
| Retained earnings to average equity (ytd only) | -5.8546% | 6,618 |
| Net charge-offs to loans | 2.6773% | 606 |
| Credit loss provision to net charge-offs | 86.2010% | 4,914 |
| Earnings coverage of net charge-offs (x) | 0.5578% | 5,463 |
| Efficiency ratio | 65.3665% | 4,983 |
| Assets per employee ($millions) | 7.2483% | 694 |
| Cash dividends to net income (ytd only)* | -16.8876% | 7,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3010% | 637 |
| Loan loss allowance to noncurrent loans | 67.8775% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 4.7746% | 1,380 |
| Noncurrent loans to loans | 4.8632% | 1,446 |
| Net loans and leases to total assets | 70.9284% | 2,506 |
| Net loans and leases to deposits | 95.0066% | 1,098 |
| Net loans and leases to core deposits | 202.5557% | 88 |
| Total domestic deposits to total assets | 74.6563% | 6,832 |
| Equity capital to assets | 9.1695% | 5,352 |
| Core capital (leverage) ratio | 9.1638% | 4,436 |
| Tier 1 risk-based capital ratio | 10.7560% | 6,582 |
| Total risk-based capital ratio | 12.0266% | 6,549 |
| Memoranda: | ||
| Average total assets | $1,855,248,250 | 375 |
| Average earning assets | $1,695,161,000 | 366 |
| Average equity | $168,662,000 | 402 |
| Average total loans | $1,444,327,500 | 328 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3726% | 3,089 |
| Cost of funding earning assets | 1.9596% | 1,017 |
| Net interest margin | 3.4131% | 5,589 |
| Noninterest income to average assets | 0.2840% | 5,868 |
| Noninterest expense to average assets | 2.1965% | 6,657 |
| Loan and lease loss provision to assets | 1.5618% | 841 |
| Net operating income to assets | -0.1995% | 6,360 |
| Return on assets (ROA) | -0.1669% | 6,372 |
| Pretax return on assets | -0.3051% | 6,431 |
| Return on Equity (ROE) | -1.8407% | 6,406 |
| Retained earnings to average equity (ytd only) | -3.1033% | 6,315 |
| Net charge-offs to loans | 1.9882% | 914 |
| Credit loss provision to net charge-offs | 99.0502% | 4,148 |
| Earnings coverage of net charge-offs (x) | 0.7647% | 4,993 |
| Efficiency ratio | 64.5590% | 5,235 |
| Assets per employee ($millions) | 7.2689% | 678 |
| Cash dividends to net income (ytd only)* | -68.5897% | 7,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3840% | 600 |
| Loan loss allowance to noncurrent loans | 58.5261% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 5.7995% | 1,036 |
| Noncurrent loans to loans | 5.7820% | 1,123 |
| Net loans and leases to total assets | 75.6082% | 1,568 |
| Net loans and leases to deposits | 101.6174% | 615 |
| Net loans and leases to core deposits | 230.5423% | 72 |
| Total domestic deposits to total assets | 74.4048% | 6,927 |
| Equity capital to assets | 9.4170% | 4,840 |
| Core capital (leverage) ratio | 8.9740% | 4,644 |
| Tier 1 risk-based capital ratio | 10.5922% | 6,614 |
| Total risk-based capital ratio | 11.8642% | 6,597 |
| Memoranda: | ||
| Average total assets | $1,869,637,000 | 372 |
| Average earning assets | $1,708,140,670 | 365 |
| Average equity | $169,496,670 | 400 |
| Average total loans | $1,482,717,670 | 319 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 3,397 |
| Cost of funding earning assets | 1.9937% | 1,112 |
| Net interest margin | 3.3356% | 5,842 |
| Noninterest income to average assets | 0.2875% | 5,845 |
| Noninterest expense to average assets | 2.1674% | 6,761 |
| Loan and lease loss provision to assets | 1.7655% | 644 |
| Net operating income to assets | -0.4864% | 6,818 |
| Return on assets (ROA) | -0.4044% | 6,799 |
| Pretax return on assets | -0.4948% | 6,777 |
| Return on Equity (ROE) | -4.5440% | 6,857 |
| Retained earnings to average equity (ytd only) | -5.8076% | 6,648 |
| Net charge-offs to loans | 1.6203% | 1,072 |
| Credit loss provision to net charge-offs | 136.5410% | 2,583 |
| Earnings coverage of net charge-offs (x) | 0.9054% | 4,235 |
| Efficiency ratio | 64.9289% | 5,320 |
| Assets per employee ($millions) | 7.5756% | 629 |
| Cash dividends to net income (ytd only)* | -27.8067% | 7,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3470% | 607 |
| Loan loss allowance to noncurrent loans | 56.6716% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 5.8546% | 1,037 |
| Noncurrent loans to loans | 5.9060% | 1,126 |
| Net loans and leases to total assets | 76.1252% | 1,517 |
| Net loans and leases to deposits | 101.8145% | 653 |
| Net loans and leases to core deposits | 241.6722% | 76 |
| Total domestic deposits to total assets | 74.7685% | 6,932 |
| Equity capital to assets | 8.8679% | 5,451 |
| Core capital (leverage) ratio | 8.6986% | 5,024 |
| Tier 1 risk-based capital ratio | 9.9418% | 7,067 |
| Total risk-based capital ratio | 11.2133% | 7,045 |
| Memoranda: | ||
| Average total assets | $1,903,116,000 | 378 |
| Average earning assets | $1,740,485,000 | 371 |
| Average equity | $169,365,500 | 406 |
| Average total loans | $1,518,721,000 | 321 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4235% | 4,575 |
| Cost of funding earning assets | 2.7125% | 563 |
| Net interest margin | 2.7109% | 7,199 |
| Noninterest income to average assets | 0.1906% | 6,730 |
| Noninterest expense to average assets | 1.9427% | 7,443 |
| Loan and lease loss provision to assets | 2.8305% | 644 |
| Net operating income to assets | -2.2455% | 7,179 |
| Return on assets (ROA) | -2.2455% | 7,180 |
| Pretax return on assets | -2.0669% | 6,966 |
| Return on Equity (ROE) | -23.7865% | 7,256 |
| Retained earnings to average equity (ytd only) | -25.2069% | 7,270 |
| Net charge-offs to loans | 2.2495% | 1,049 |
| Credit loss provision to net charge-offs | 154.3291% | 2,957 |
| Earnings coverage of net charge-offs (x) | 0.4163% | 5,688 |
| Efficiency ratio | 71.7839% | 4,300 |
| Assets per employee ($millions) | 7.4115% | 672 |
| Cash dividends to net income (ytd only)* | -5.9715% | 7,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1093% | 710 |
| Loan loss allowance to noncurrent loans | 58.3444% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 5.6955% | 1,014 |
| Noncurrent loans to loans | 5.3293% | 1,231 |
| Net loans and leases to total assets | 78.3268% | 1,313 |
| Net loans and leases to deposits | 106.2972% | 538 |
| Net loans and leases to core deposits | 173.1213% | 215 |
| Total domestic deposits to total assets | 73.6866% | 7,059 |
| Equity capital to assets | 8.9308% | 5,248 |
| Core capital (leverage) ratio | 8.5683% | 5,156 |
| Tier 1 risk-based capital ratio | 9.8071% | 7,016 |
| Total risk-based capital ratio | 11.0759% | 6,986 |
| Memoranda: | ||
| Average total assets | $2,084,416,200 | 341 |
| Average earning assets | $1,934,348,000 | 329 |
| Average equity | $196,775,200 | 354 |
| Average total loans | $1,699,508,000 | 300 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4292% | 4,797 |
| Cost of funding earning assets | 2.8278% | 556 |
| Net interest margin | 2.6014% | 7,355 |
| Noninterest income to average assets | 0.2289% | 6,584 |
| Noninterest expense to average assets | 1.9926% | 7,403 |
| Loan and lease loss provision to assets | 2.1102% | 829 |
| Net operating income to assets | -0.8846% | 6,751 |
| Return on assets (ROA) | -0.8846% | 6,753 |
| Pretax return on assets | -1.4502% | 6,934 |
| Return on Equity (ROE) | -9.2585% | 6,830 |
| Retained earnings to average equity (ytd only) | -10.7494% | 6,868 |
| Net charge-offs to loans | 2.0976% | 929 |
| Credit loss provision to net charge-offs | 123.1500% | 4,099 |
| Earnings coverage of net charge-offs (x) | 0.3851% | 5,638 |
| Efficiency ratio | 75.1216% | 3,668 |
| Assets per employee ($millions) | 7.5928% | 604 |
| Cash dividends to net income (ytd only)* | -16.1039% | 7,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0718% | 1,641 |
| Loan loss allowance to noncurrent loans | 36.7167% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 5.4779% | 1,043 |
| Noncurrent loans to loans | 5.6426% | 1,100 |
| Net loans and leases to total assets | 78.5643% | 1,470 |
| Net loans and leases to deposits | 108.8518% | 507 |
| Net loans and leases to core deposits | 177.0703% | 205 |
| Total domestic deposits to total assets | 72.1755% | 7,188 |
| Equity capital to assets | 10.1499% | 3,905 |
| Core capital (leverage) ratio | 9.4774% | 3,942 |
| Tier 1 risk-based capital ratio | 10.4353% | 6,542 |
| Total risk-based capital ratio | 11.6922% | 6,481 |
| Memoranda: | ||
| Average total assets | $2,129,329,750 | 343 |
| Average earning assets | $1,983,792,500 | 338 |
| Average equity | $203,441,250 | 359 |
| Average total loans | $1,739,430,500 | 307 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4171% | 5,051 |
| Cost of funding earning assets | 2.9877% | 492 |
| Net interest margin | 2.4294% | 7,549 |
| Noninterest income to average assets | 0.3074% | 6,053 |
| Noninterest expense to average assets | 1.9366% | 7,577 |
| Loan and lease loss provision to assets | 2.0199% | 803 |
| Net operating income to assets | -0.8673% | 6,878 |
| Return on assets (ROA) | -0.8673% | 6,885 |
| Pretax return on assets | -1.3788% | 7,022 |
| Return on Equity (ROE) | -9.2558% | 6,982 |
| Retained earnings to average equity (ytd only) | -10.9833% | 6,968 |
| Net charge-offs to loans | 1.8418% | 1,027 |
| Credit loss provision to net charge-offs | 133.5122% | 3,491 |
| Earnings coverage of net charge-offs (x) | 0.4238% | 5,272 |
| Efficiency ratio | 75.1288% | 3,856 |
| Assets per employee ($millions) | 7.4330% | 635 |
| Cash dividends to net income (ytd only)* | -18.6643% | 7,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9084% | 1,775 |
| Loan loss allowance to noncurrent loans | 44.2582% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 4.1383% | 1,406 |
| Noncurrent loans to loans | 4.3119% | 1,514 |
| Net loans and leases to total assets | 81.1041% | 1,120 |
| Net loans and leases to deposits | 113.2013% | 437 |
| Net loans and leases to core deposits | 168.1888% | 344 |
| Total domestic deposits to total assets | 71.6459% | 7,284 |
| Equity capital to assets | 10.0855% | 3,831 |
| Core capital (leverage) ratio | 9.2915% | 4,175 |
| Tier 1 risk-based capital ratio | 10.2385% | 6,662 |
| Total risk-based capital ratio | 11.4939% | 6,584 |
| Memoranda: | ||
| Average total assets | $2,168,410,670 | 346 |
| Average earning assets | $2,026,450,000 | 340 |
| Average equity | $203,180,330 | 363 |
| Average total loans | $1,781,165,330 | 311 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 5,478 |
| Cost of funding earning assets | 3.0789% | 487 |
| Net interest margin | 2.3108% | 7,704 |
| Noninterest income to average assets | 0.3291% | 5,814 |
| Noninterest expense to average assets | 1.7626% | 7,747 |
| Loan and lease loss provision to assets | 1.8744% | 653 |
| Net operating income to assets | -0.6877% | 7,044 |
| Return on assets (ROA) | -0.6877% | 7,082 |
| Pretax return on assets | -1.1426% | 7,219 |
| Return on Equity (ROE) | -7.6104% | 7,208 |
| Retained earnings to average equity (ytd only) | -9.5549% | 7,065 |
| Net charge-offs to loans | 1.2378% | 1,132 |
| Credit loss provision to net charge-offs | 184.9218% | 2,363 |
| Earnings coverage of net charge-offs (x) | 0.7219% | 4,439 |
| Efficiency ratio | 70.6647% | 4,437 |
| Assets per employee ($millions) | 7.5255% | 614 |
| Cash dividends to net income (ytd only)* | -25.5503% | 8,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 1,870 |
| Loan loss allowance to noncurrent loans | 42.8727% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 3.7288% | 1,419 |
| Noncurrent loans to loans | 4.1826% | 1,419 |
| Net loans and leases to total assets | 78.1256% | 1,792 |
| Net loans and leases to deposits | 105.7464% | 886 |
| Net loans and leases to core deposits | 148.2989% | 766 |
| Total domestic deposits to total assets | 73.8802% | 6,912 |
| Equity capital to assets | 8.8580% | 5,543 |
| Core capital (leverage) ratio | 8.4602% | 5,615 |
| Tier 1 risk-based capital ratio | 9.3211% | 7,567 |
| Total risk-based capital ratio | 10.5753% | 7,541 |
| Memoranda: | ||
| Average total assets | $2,219,425,500 | 344 |
| Average earning assets | $2,079,600,000 | 335 |
| Average equity | $200,568,000 | 365 |
| Average total loans | $1,817,486,000 | 307 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0159% | 5,480 |
| Cost of funding earning assets | 3.6143% | 367 |
| Net interest margin | 2.4016% | 7,847 |
| Noninterest income to average assets | 0.2710% | 6,516 |
| Noninterest expense to average assets | 1.7845% | 7,770 |
| Loan and lease loss provision to assets | 0.9818% | 1,499 |
| Net operating income to assets | -0.0967% | 6,491 |
| Return on assets (ROA) | -0.0967% | 6,343 |
| Pretax return on assets | -0.2569% | 6,419 |
| Return on Equity (ROE) | -1.0341% | 6,373 |
| Retained earnings to average equity (ytd only) | -3.3518% | 6,194 |
| Net charge-offs to loans | 1.0863% | 1,119 |
| Credit loss provision to net charge-offs | 106.5006% | 5,035 |
| Earnings coverage of net charge-offs (x) | 0.7863% | 5,759 |
| Efficiency ratio | 71.1114% | 4,109 |
| Assets per employee ($millions) | 7.2732% | 626 |
| Cash dividends to net income (ytd only)* | -224.1379% | 8,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 2,878 |
| Loan loss allowance to noncurrent loans | 54.8401% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 2.6102% | 1,837 |
| Noncurrent loans to loans | 2.6620% | 2,039 |
| Net loans and leases to total assets | 83.0308% | 1,041 |
| Net loans and leases to deposits | 114.3642% | 596 |
| Net loans and leases to core deposits | 148.1953% | 928 |
| Total domestic deposits to total assets | 72.6021% | 6,901 |
| Equity capital to assets | 9.2184% | 5,050 |
| Core capital (leverage) ratio | 9.0384% | 4,685 |
| Tier 1 risk-based capital ratio | 9.5526% | 7,252 |
| Total risk-based capital ratio | 10.8035% | 7,160 |
| Memoranda: | ||
| Average total assets | $2,159,259,800 | 338 |
| Average earning assets | $2,012,514,800 | 328 |
| Average equity | $201,921,800 | 372 |
| Average total loans | $1,832,539,400 | 295 |