Home > MidWestOne Bank > Performance and Condition Ratios
MidWestOne Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 3,679 |
| Cost of funding earning assets | 1.6245% | 1,625 |
| Net interest margin | 2.5482% | 4,038 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.0465% | 3,521 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.7204% | 3,131 |
| Return on assets (ROA) | 0.4705% | 3,733 |
| Pretax return on assets | 0.5716% | 3,686 |
| Return on Equity (ROE) | 5.0100% | 3,720 |
| Retained earnings to average equity (ytd only) | -0.9914% | 4,183 |
| Net charge-offs to loans | 0.0938% | 947 |
| Credit loss provision to net charge-offs | 161.3497% | 1,398 |
| Earnings coverage of net charge-offs (x) | 16.7002% | 1,995 |
| Efficiency ratio | 64.7182% | 2,520 |
| Assets per employee ($millions) | 8.7632% | 1,081 |
| Cash dividends to net income (ytd only)* | 119.7703% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,031 |
| Loan loss allowance to noncurrent loans | 195.3792% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 1,185 |
| Noncurrent loans to loans | 0.6385% | 1,234 |
| Net loans and leases to total assets | 63.4600% | 2,512 |
| Net loans and leases to deposits | 75.2747% | 2,524 |
| Net loans and leases to core deposits | 85.8994% | 2,312 |
| Total domestic deposits to total assets | 84.3100% | 2,534 |
| Equity capital to assets | 9.6358% | 2,249 |
| Core capital (leverage) ratio | 9.3901% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4865% | 2,418 |
| Memoranda: | ||
| Average total assets | $6,476,997,200 | 226 |
| Average earning assets | $6,002,326,800 | 222 |
| Average equity | $607,709,800 | 232 |
| Average total loans | $3,996,202,600 | 237 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 3,665 |
| Cost of funding earning assets | 1.4780% | 1,671 |
| Net interest margin | 2.6204% | 4,001 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.0487% | 3,473 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.7438% | 3,191 |
| Return on assets (ROA) | 0.5248% | 3,694 |
| Pretax return on assets | 0.6514% | 3,644 |
| Return on Equity (ROE) | 5.6300% | 3,704 |
| Retained earnings to average equity (ytd only) | 0.3408% | 4,063 |
| Net charge-offs to loans | 0.0566% | 1,101 |
| Credit loss provision to net charge-offs | 242.7722% | 1,005 |
| Earnings coverage of net charge-offs (x) | 29.1220% | 1,605 |
| Efficiency ratio | 63.8430% | 2,512 |
| Assets per employee ($millions) | 8.4832% | 1,124 |
| Cash dividends to net income (ytd only)* | 93.9482% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,017 |
| Loan loss allowance to noncurrent loans | 178.0108% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 1,299 |
| Noncurrent loans to loans | 0.7125% | 1,160 |
| Net loans and leases to total assets | 62.1400% | 2,642 |
| Net loans and leases to deposits | 74.7127% | 2,509 |
| Net loans and leases to core deposits | 85.0576% | 2,255 |
| Total domestic deposits to total assets | 83.1700% | 2,984 |
| Equity capital to assets | 9.3873% | 2,171 |
| Core capital (leverage) ratio | 9.5058% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3582% | 2,494 |
| Memoranda: | ||
| Average total assets | $6,490,385,250 | 228 |
| Average earning assets | $6,014,281,750 | 222 |
| Average equity | $604,900,000 | 234 |
| Average total loans | $3,963,255,250 | 243 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 3,646 |
| Cost of funding earning assets | 1.3167% | 1,663 |
| Net interest margin | 2.7020% | 3,971 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.0949% | 3,359 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.7576% | 3,200 |
| Return on assets (ROA) | 0.4293% | 3,950 |
| Pretax return on assets | 0.5310% | 3,911 |
| Return on Equity (ROE) | 4.6200% | 3,940 |
| Retained earnings to average equity (ytd only) | -0.6788% | 4,186 |
| Net charge-offs to loans | 0.0626% | 925 |
| Credit loss provision to net charge-offs | 197.5610% | 1,055 |
| Earnings coverage of net charge-offs (x) | 26.7943% | 1,603 |
| Efficiency ratio | 64.0678% | 2,481 |
| Assets per employee ($millions) | 8.3657% | 1,154 |
| Cash dividends to net income (ytd only)* | 114.7036% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 2,160 |
| Loan loss allowance to noncurrent loans | 348.8372% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 2,081 |
| Noncurrent loans to loans | 0.3593% | 1,845 |
| Net loans and leases to total assets | 60.9300% | 2,684 |
| Net loans and leases to deposits | 72.7582% | 2,593 |
| Net loans and leases to core deposits | 85.6087% | 2,099 |
| Total domestic deposits to total assets | 83.7500% | 2,882 |
| Equity capital to assets | 9.2854% | 2,324 |
| Core capital (leverage) ratio | 9.4247% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2188% | 2,565 |
| Memoranda: | ||
| Average total assets | $6,499,111,000 | 223 |
| Average earning assets | $6,025,277,667 | 218 |
| Average equity | $604,262,667 | 230 |
| Average total loans | $3,928,174,667 | 237 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,536 |
| Cost of funding earning assets | 1.1486% | 1,602 |
| Net interest margin | 2.8098% | 3,936 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.0497% | 3,499 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8771% | 2,930 |
| Return on assets (ROA) | 0.2376% | 4,283 |
| Pretax return on assets | 0.3016% | 4,263 |
| Return on Equity (ROE) | 2.5500% | 4,237 |
| Retained earnings to average equity (ytd only) | -2.7458% | 4,236 |
| Net charge-offs to loans | 0.0343% | 1,036 |
| Credit loss provision to net charge-offs | 280.1802% | 716 |
| Earnings coverage of net charge-offs (x) | 56.9429% | 1,046 |
| Efficiency ratio | 60.3332% | 2,918 |
| Assets per employee ($millions) | 8.2444% | 1,230 |
| Cash dividends to net income (ytd only)* | 207.5227% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,183 |
| Loan loss allowance to noncurrent loans | 344.8276% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 1,997 |
| Noncurrent loans to loans | 0.3682% | 1,827 |
| Net loans and leases to total assets | 60.4500% | 2,599 |
| Net loans and leases to deposits | 69.5678% | 2,651 |
| Net loans and leases to core deposits | 82.7807% | 2,077 |
| Total domestic deposits to total assets | 86.8900% | 2,308 |
| Equity capital to assets | 9.4732% | 2,165 |
| Core capital (leverage) ratio | 9.2834% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3109% | 2,630 |
| Memoranda: | ||
| Average total assets | $6,490,213,000 | 228 |
| Average earning assets | $6,015,450,000 | 226 |
| Average equity | $603,835,000 | 234 |
| Average total loans | $3,881,527,000 | 247 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3694% | 3,422 |
| Cost of funding earning assets | 0.4132% | 1,989 |
| Net interest margin | 2.9562% | 3,556 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.0663% | 3,396 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0799% | 2,265 |
| Return on assets (ROA) | 1.0798% | 2,206 |
| Pretax return on assets | 1.3582% | 1,911 |
| Return on Equity (ROE) | 11.4800% | 2,312 |
| Retained earnings to average equity (ytd only) | 5.4012% | 2,872 |
| Net charge-offs to loans | 0.1852% | 445 |
| Credit loss provision to net charge-offs | 56.2462% | 1,796 |
| Earnings coverage of net charge-offs (x) | 13.7148% | 2,055 |
| Efficiency ratio | 56.3483% | 3,549 |
| Assets per employee ($millions) | 8.3752% | 1,151 |
| Cash dividends to net income (ytd only)* | 52.9443% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 1,987 |
| Loan loss allowance to noncurrent loans | 310.9791% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 1,869 |
| Noncurrent loans to loans | 0.4119% | 1,691 |
| Net loans and leases to total assets | 57.6800% | 2,847 |
| Net loans and leases to deposits | 69.1872% | 2,652 |
| Net loans and leases to core deposits | 78.1773% | 2,264 |
| Total domestic deposits to total assets | 83.3600% | 3,343 |
| Equity capital to assets | 9.1387% | 2,273 |
| Core capital (leverage) ratio | 9.3600% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1020% | 2,703 |
| Memoranda: | ||
| Average total assets | $6,296,830,600 | 227 |
| Average earning assets | $5,861,306,200 | 225 |
| Average equity | $592,381,600 | 239 |
| Average total loans | $3,544,063,800 | 253 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2250% | 3,370 |
| Cost of funding earning assets | 0.2964% | 2,212 |
| Net interest margin | 2.9286% | 3,413 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.0533% | 3,343 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.0611% | 2,247 |
| Return on assets (ROA) | 1.0610% | 2,212 |
| Pretax return on assets | 1.3495% | 1,887 |
| Return on Equity (ROE) | 11.1900% | 2,304 |
| Retained earnings to average equity (ytd only) | 4.7557% | 3,174 |
| Net charge-offs to loans | 0.1188% | 529 |
| Credit loss provision to net charge-offs | 100.9056% | 1,316 |
| Earnings coverage of net charge-offs (x) | 21.6559% | 1,684 |
| Efficiency ratio | 56.2458% | 3,602 |
| Assets per employee ($millions) | 8.2969% | 1,176 |
| Cash dividends to net income (ytd only)* | 57.5130% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 1,643 |
| Loan loss allowance to noncurrent loans | 200.6702% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 1,292 |
| Noncurrent loans to loans | 0.6926% | 1,178 |
| Net loans and leases to total assets | 56.9700% | 2,799 |
| Net loans and leases to deposits | 67.3203% | 2,601 |
| Net loans and leases to core deposits | 72.6323% | 2,440 |
| Total domestic deposits to total assets | 84.6300% | 3,361 |
| Equity capital to assets | 8.9749% | 2,232 |
| Core capital (leverage) ratio | 9.3061% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1743% | 2,759 |
| Memoranda: | ||
| Average total assets | $6,227,410,250 | 230 |
| Average earning assets | $5,806,752,750 | 228 |
| Average equity | $590,270,500 | 242 |
| Average total loans | $3,469,795,750 | 254 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0236% | 3,495 |
| Cost of funding earning assets | 0.2391% | 2,403 |
| Net interest margin | 2.7845% | 3,487 |
| Noninterest income to average assets | 0.8135% | 1,013 |
| Noninterest expense to average assets | 2.0403% | 3,322 |
| Loan and lease loss provision to assets | 0.1069% | 932 |
| Net operating income to assets | 0.9923% | 2,189 |
| Return on assets (ROA) | 0.9987% | 2,132 |
| Pretax return on assets | 1.2784% | 1,820 |
| Return on Equity (ROE) | 10.3433% | 2,206 |
| Retained earnings to average equity (ytd only) | 3.2598% | 3,368 |
| Net charge-offs to loans | 0.1482% | 434 |
| Credit loss provision to net charge-offs | 111.1466% | 1,215 |
| Earnings coverage of net charge-offs (x) | 16.8933% | 1,614 |
| Efficiency ratio | 57.3090% | 3,641 |
| Assets per employee ($millions) | 7.9698% | 1,324 |
| Cash dividends to net income (ytd only)* | 68.4842% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 1,566 |
| Loan loss allowance to noncurrent loans | 191.4987% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 1,295 |
| Noncurrent loans to loans | 0.7560% | 1,138 |
| Net loans and leases to total assets | 55.3422% | 2,819 |
| Net loans and leases to deposits | 64.1650% | 2,705 |
| Net loans and leases to core deposits | 68.3321% | 2,620 |
| Total domestic deposits to total assets | 86.2498% | 3,181 |
| Equity capital to assets | 9.3533% | 2,128 |
| Core capital (leverage) ratio | 9.6981% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8971% | 2,836 |
| Memoranda: | ||
| Average total assets | $6,140,489,333 | 232 |
| Average earning assets | $5,742,482,000 | 227 |
| Average equity | $592,924,667 | 240 |
| Average total loans | $3,376,857,667 | 254 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9870% | 3,294 |
| Cost of funding earning assets | 0.2316% | 2,374 |
| Net interest margin | 2.7554% | 3,265 |
| Noninterest income to average assets | 0.8134% | 1,009 |
| Noninterest expense to average assets | 2.0830% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0524% | 1,681 |
| Return on assets (ROA) | 1.0488% | 1,688 |
| Pretax return on assets | 1.3096% | 1,474 |
| Return on Equity (ROE) | 10.6822% | 1,735 |
| Retained earnings to average equity (ytd only) | 1.5021% | 3,692 |
| Net charge-offs to loans | 0.2729% | 232 |
| Credit loss provision to net charge-offs | -12.5113% | 2,758 |
| Earnings coverage of net charge-offs (x) | 8.8573% | 1,504 |
| Efficiency ratio | 58.9064% | 3,594 |
| Assets per employee ($millions) | 8.1178% | 1,304 |
| Cash dividends to net income (ytd only)* | 85.9380% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,837 |
| Loan loss allowance to noncurrent loans | 148.1624% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 1,112 |
| Noncurrent loans to loans | 0.9575% | 948 |
| Net loans and leases to total assets | 53.8783% | 2,774 |
| Net loans and leases to deposits | 62.7745% | 2,645 |
| Net loans and leases to core deposits | 67.2190% | 2,522 |
| Total domestic deposits to total assets | 85.8283% | 3,313 |
| Equity capital to assets | 9.6126% | 2,200 |
| Core capital (leverage) ratio | 9.3040% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1203% | 2,865 |
| Memoranda: | ||
| Average total assets | $5,990,955,000 | 242 |
| Average earning assets | $5,617,659,500 | 236 |
| Average equity | $588,232,000 | 247 |
| Average total loans | $3,257,215,000 | 260 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2762% | 3,281 |
| Cost of funding earning assets | 0.2811% | 2,587 |
| Net interest margin | 2.9951% | 3,202 |
| Noninterest income to average assets | 0.7682% | 1,540 |
| Noninterest expense to average assets | 2.0033% | 3,665 |
| Loan and lease loss provision to assets | -0.1268% | 4,595 |
| Net operating income to assets | 1.3186% | 1,556 |
| Return on assets (ROA) | 1.3216% | 1,586 |
| Pretax return on assets | 1.6978% | 1,152 |
| Return on Equity (ROE) | 12.6420% | 1,591 |
| Retained earnings to average equity (ytd only) | 5.9028% | 2,401 |
| Net charge-offs to loans | -0.0129% | 3,820 |
| Credit loss provision to net charge-offs | 1,659.6330% | 359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5146% | 3,983 |
| Assets per employee ($millions) | 8.2401% | 1,200 |
| Cash dividends to net income (ytd only)* | 53.3077% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,578 |
| Loan loss allowance to noncurrent loans | 154.4071% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 1,247 |
| Noncurrent loans to loans | 0.9681% | 1,030 |
| Net loans and leases to total assets | 53.2787% | 2,936 |
| Net loans and leases to deposits | 62.3831% | 2,847 |
| Net loans and leases to core deposits | 67.8838% | 2,656 |
| Total domestic deposits to total assets | 85.4056% | 3,130 |
| Equity capital to assets | 10.0225% | 2,634 |
| Core capital (leverage) ratio | 9.2545% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4598% | 2,783 |
| Memoranda: | ||
| Average total assets | $5,784,054,600 | 242 |
| Average earning assets | $5,411,363,800 | 235 |
| Average equity | $604,675,200 | 239 |
| Average total loans | $3,376,046,000 | 249 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3306% | 3,307 |
| Cost of funding earning assets | 0.2920% | 2,667 |
| Net interest margin | 3.0386% | 3,209 |
| Noninterest income to average assets | 0.7591% | 1,644 |
| Noninterest expense to average assets | 1.9952% | 3,690 |
| Loan and lease loss provision to assets | -0.1854% | 4,736 |
| Net operating income to assets | 1.4023% | 1,534 |
| Return on assets (ROA) | 1.4043% | 1,586 |
| Pretax return on assets | 1.7912% | 1,182 |
| Return on Equity (ROE) | 13.2885% | 1,619 |
| Retained earnings to average equity (ytd only) | 7.1170% | 2,370 |
| Net charge-offs to loans | -0.0062% | 3,503 |
| Credit loss provision to net charge-offs | 4,910.1266% | 174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7843% | 3,944 |
| Assets per employee ($millions) | 8.1697% | 1,192 |
| Cash dividends to net income (ytd only)* | 46.4422% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 1,850 |
| Loan loss allowance to noncurrent loans | 142.1028% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5983% | 1,275 |
| Noncurrent loans to loans | 1.0131% | 1,135 |
| Net loans and leases to total assets | 55.8295% | 2,746 |
| Net loans and leases to deposits | 65.8420% | 2,642 |
| Net loans and leases to core deposits | 71.0421% | 2,510 |
| Total domestic deposits to total assets | 84.7933% | 3,181 |
| Equity capital to assets | 10.4293% | 2,509 |
| Core capital (leverage) ratio | 9.4143% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0529% | 2,692 |
| Memoranda: | ||
| Average total assets | $5,724,198,250 | 244 |
| Average earning assets | $5,349,036,000 | 236 |
| Average equity | $604,918,250 | 240 |
| Average total loans | $3,405,575,250 | 249 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3329% | 3,350 |
| Cost of funding earning assets | 0.3056% | 2,735 |
| Net interest margin | 3.0273% | 3,253 |
| Noninterest income to average assets | 0.8095% | 1,512 |
| Noninterest expense to average assets | 1.9762% | 3,771 |
| Loan and lease loss provision to assets | -0.2424% | 4,800 |
| Net operating income to assets | 1.4913% | 1,318 |
| Return on assets (ROA) | 1.4936% | 1,376 |
| Pretax return on assets | 1.9050% | 1,011 |
| Return on Equity (ROE) | 14.0702% | 1,392 |
| Retained earnings to average equity (ytd only) | 7.3465% | 2,309 |
| Net charge-offs to loans | 0.0421% | 1,217 |
| Credit loss provision to net charge-offs | -938.7812% | 3,644 |
| Earnings coverage of net charge-offs (x) | 65.2147% | 930 |
| Efficiency ratio | 51.5928% | 4,086 |
| Assets per employee ($millions) | 7.7706% | 1,319 |
| Cash dividends to net income (ytd only)* | 47.7865% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 1,814 |
| Loan loss allowance to noncurrent loans | 115.8609% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 1,090 |
| Noncurrent loans to loans | 1.2418% | 963 |
| Net loans and leases to total assets | 57.2629% | 2,755 |
| Net loans and leases to deposits | 68.2930% | 2,588 |
| Net loans and leases to core deposits | 73.7082% | 2,438 |
| Total domestic deposits to total assets | 83.8488% | 3,480 |
| Equity capital to assets | 10.6023% | 2,310 |
| Core capital (leverage) ratio | 9.1504% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0248% | 2,711 |
| Memoranda: | ||
| Average total assets | $5,674,266,667 | 246 |
| Average earning assets | $5,297,462,667 | 237 |
| Average equity | $602,351,667 | 239 |
| Average total loans | $3,431,659,333 | 247 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 3,281 |
| Cost of funding earning assets | 0.3155% | 2,833 |
| Net interest margin | 3.0562% | 3,114 |
| Noninterest income to average assets | 0.8747% | 1,396 |
| Noninterest expense to average assets | 1.9622% | 3,829 |
| Loan and lease loss provision to assets | -0.3357% | 4,878 |
| Net operating income to assets | 1.6534% | 1,015 |
| Return on assets (ROA) | 1.6554% | 1,061 |
| Pretax return on assets | 2.1005% | 808 |
| Return on Equity (ROE) | 15.5844% | 1,095 |
| Retained earnings to average equity (ytd only) | 10.5770% | 1,496 |
| Net charge-offs to loans | 0.0363% | 1,111 |
| Credit loss provision to net charge-offs | -1,434.8101% | 3,456 |
| Earnings coverage of net charge-offs (x) | 78.6329% | 714 |
| Efficiency ratio | 49.8153% | 4,200 |
| Assets per employee ($millions) | 7.6716% | 1,363 |
| Cash dividends to net income (ytd only)* | 32.1309% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 1,667 |
| Loan loss allowance to noncurrent loans | 114.1228% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 1,079 |
| Noncurrent loans to loans | 1.2991% | 998 |
| Net loans and leases to total assets | 58.7338% | 2,717 |
| Net loans and leases to deposits | 69.8463% | 2,522 |
| Net loans and leases to core deposits | 75.1562% | 2,419 |
| Total domestic deposits to total assets | 84.0902% | 3,402 |
| Equity capital to assets | 10.4134% | 2,348 |
| Core capital (leverage) ratio | 9.6023% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1907% | 2,592 |
| Memoranda: | ||
| Average total assets | $5,640,165,500 | 246 |
| Average earning assets | $5,259,002,000 | 239 |
| Average equity | $599,112,000 | 235 |
| Average total loans | $3,479,336,500 | 246 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 2,864 |
| Cost of funding earning assets | 0.5844% | 2,417 |
| Net interest margin | 3.3709% | 2,865 |
| Noninterest income to average assets | 0.7942% | 1,549 |
| Noninterest expense to average assets | 2.9402% | 1,569 |
| Loan and lease loss provision to assets | 0.5563% | 391 |
| Net operating income to assets | 0.2364% | 4,526 |
| Return on assets (ROA) | 0.2401% | 4,583 |
| Pretax return on assets | 0.4008% | 4,418 |
| Return on Equity (ROE) | 2.0957% | 4,550 |
| Retained earnings to average equity (ytd only) | 1.4968% | 4,036 |
| Net charge-offs to loans | 0.1496% | 1,087 |
| Credit loss provision to net charge-offs | 526.1538% | 1,213 |
| Earnings coverage of net charge-offs (x) | 9.2253% | 2,539 |
| Efficiency ratio | 56.1525% | 3,971 |
| Assets per employee ($millions) | 7.3311% | 1,378 |
| Cash dividends to net income (ytd only)* | 28.5808% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 1,378 |
| Loan loss allowance to noncurrent loans | 130.0101% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 1,220 |
| Noncurrent loans to loans | 1.2052% | 1,161 |
| Net loans and leases to total assets | 62.8269% | 2,506 |
| Net loans and leases to deposits | 76.2632% | 2,259 |
| Net loans and leases to core deposits | 80.7859% | 2,292 |
| Total domestic deposits to total assets | 82.3817% | 3,573 |
| Equity capital to assets | 10.8379% | 2,396 |
| Core capital (leverage) ratio | 9.3532% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8877% | 2,676 |
| Memoranda: | ||
| Average total assets | $5,100,024,200 | 248 |
| Average earning assets | $4,687,748,200 | 243 |
| Average equity | $584,329,600 | 235 |
| Average total loans | $3,518,741,000 | 242 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 2,729 |
| Cost of funding earning assets | 0.6547% | 2,302 |
| Net interest margin | 3.4249% | 2,833 |
| Noninterest income to average assets | 0.7877% | 1,542 |
| Noninterest expense to average assets | 3.1529% | 1,151 |
| Loan and lease loss provision to assets | 0.8397% | 200 |
| Net operating income to assets | -0.1665% | 4,832 |
| Return on assets (ROA) | -0.1607% | 4,841 |
| Pretax return on assets | -0.0619% | 4,807 |
| Return on Equity (ROE) | -1.3822% | 4,845 |
| Retained earnings to average equity (ytd only) | -2.1867% | 4,715 |
| Net charge-offs to loans | 0.1862% | 800 |
| Credit loss provision to net charge-offs | 618.4876% | 1,148 |
| Earnings coverage of net charge-offs (x) | 5.8871% | 2,698 |
| Efficiency ratio | 55.1922% | 4,015 |
| Assets per employee ($millions) | 7.0981% | 1,433 |
| Cash dividends to net income (ytd only)* | -58.2072% | 5,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 985 |
| Loan loss allowance to noncurrent loans | 140.4090% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.8137% | 1,418 |
| Noncurrent loans to loans | 1.1735% | 1,292 |
| Net loans and leases to total assets | 65.5952% | 2,567 |
| Net loans and leases to deposits | 79.5206% | 2,371 |
| Net loans and leases to core deposits | 84.5978% | 2,422 |
| Total domestic deposits to total assets | 82.4883% | 3,292 |
| Equity capital to assets | 10.8654% | 2,507 |
| Core capital (leverage) ratio | 9.2629% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9455% | 2,637 |
| Memoranda: | ||
| Average total assets | $4,987,615,500 | 248 |
| Average earning assets | $4,568,643,250 | 243 |
| Average equity | $580,045,250 | 232 |
| Average total loans | $3,512,881,500 | 241 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2467% | 2,614 |
| Cost of funding earning assets | 0.7354% | 2,198 |
| Net interest margin | 3.5113% | 2,749 |
| Noninterest income to average assets | 0.7954% | 1,449 |
| Noninterest expense to average assets | 2.3784% | 3,314 |
| Loan and lease loss provision to assets | 1.0837% | 178 |
| Net operating income to assets | 0.4974% | 4,027 |
| Return on assets (ROA) | 0.5015% | 4,089 |
| Pretax return on assets | 0.5427% | 4,175 |
| Return on Equity (ROE) | 4.2113% | 4,046 |
| Retained earnings to average equity (ytd only) | 3.0056% | 3,390 |
| Net charge-offs to loans | 0.1751% | 852 |
| Credit loss provision to net charge-offs | 836.7374% | 888 |
| Earnings coverage of net charge-offs (x) | 12.9005% | 2,025 |
| Efficiency ratio | 55.5834% | 3,994 |
| Assets per employee ($millions) | 6.8560% | 1,529 |
| Cash dividends to net income (ytd only)* | 28.6299% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,144 |
| Loan loss allowance to noncurrent loans | 124.9276% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.8821% | 1,395 |
| Noncurrent loans to loans | 1.2341% | 1,265 |
| Net loans and leases to total assets | 68.0176% | 2,350 |
| Net loans and leases to deposits | 83.1216% | 2,086 |
| Net loans and leases to core deposits | 89.6825% | 2,095 |
| Total domestic deposits to total assets | 81.8291% | 3,419 |
| Equity capital to assets | 11.3968% | 2,044 |
| Core capital (leverage) ratio | 9.3916% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4725% | 2,828 |
| Memoranda: | ||
| Average total assets | $4,875,619,333 | 248 |
| Average earning assets | $4,450,235,333 | 247 |
| Average equity | $580,582,667 | 232 |
| Average total loans | $3,500,332,667 | 239 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 2,436 |
| Cost of funding earning assets | 0.8487% | 2,118 |
| Net interest margin | 3.6044% | 2,653 |
| Noninterest income to average assets | 0.9023% | 1,059 |
| Noninterest expense to average assets | 2.5527% | 3,125 |
| Loan and lease loss provision to assets | 1.8491% | 80 |
| Net operating income to assets | -0.0624% | 4,780 |
| Return on assets (ROA) | -0.0569% | 4,767 |
| Pretax return on assets | -0.2126% | 4,816 |
| Return on Equity (ROE) | -0.4669% | 4,771 |
| Retained earnings to average equity (ytd only) | -2.9094% | 4,344 |
| Net charge-offs to loans | 0.1391% | 903 |
| Credit loss provision to net charge-offs | 1,612.8548% | 403 |
| Earnings coverage of net charge-offs (x) | 15.9866% | 1,547 |
| Efficiency ratio | 56.9109% | 4,121 |
| Assets per employee ($millions) | 6.1701% | 1,544 |
| Cash dividends to net income (ytd only)* | -523.1689% | 5,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 1,379 |
| Loan loss allowance to noncurrent loans | 115.6089% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 1,380 |
| Noncurrent loans to loans | 1.2889% | 1,269 |
| Net loans and leases to total assets | 71.1367% | 2,064 |
| Net loans and leases to deposits | 87.5512% | 1,803 |
| Net loans and leases to core deposits | 96.0216% | 1,788 |
| Total domestic deposits to total assets | 81.2515% | 3,613 |
| Equity capital to assets | 11.9996% | 2,071 |
| Core capital (leverage) ratio | 10.0331% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0256% | 3,092 |
| Memoranda: | ||
| Average total assets | $4,701,280,500 | 250 |
| Average earning assets | $4,277,963,500 | 248 |
| Average equity | $573,172,500 | 238 |
| Average total loans | $3,445,955,500 | 240 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 1,705 |
| Cost of funding earning assets | 0.9493% | 1,962 |
| Net interest margin | 3.9679% | 1,950 |
| Noninterest income to average assets | 0.7615% | 1,582 |
| Noninterest expense to average assets | 2.8202% | 2,539 |
| Loan and lease loss provision to assets | 0.1744% | 1,198 |
| Net operating income to assets | 1.1808% | 2,130 |
| Return on assets (ROA) | 1.1839% | 2,220 |
| Pretax return on assets | 1.3719% | 2,261 |
| Return on Equity (ROE) | 9.9991% | 2,301 |
| Retained earnings to average equity (ytd only) | 6.9130% | 1,424 |
| Net charge-offs to loans | 0.2409% | 851 |
| Credit loss provision to net charge-offs | 96.9000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 8.5736% | 2,760 |
| Efficiency ratio | 61.3485% | 3,487 |
| Assets per employee ($millions) | 6.0252% | 1,613 |
| Cash dividends to net income (ytd only)* | 30.8636% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 4,184 |
| Loan loss allowance to noncurrent loans | 69.8712% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 1,264 |
| Noncurrent loans to loans | 1.2040% | 1,249 |
| Net loans and leases to total assets | 73.7839% | 1,790 |
| Net loans and leases to deposits | 91.6635% | 1,410 |
| Net loans and leases to core deposits | 98.8318% | 1,665 |
| Total domestic deposits to total assets | 80.4943% | 3,878 |
| Equity capital to assets | 12.3887% | 1,892 |
| Core capital (leverage) ratio | 10.0556% | 3,453 |
| Tier 1 risk-based capital ratio | 11.1172% | 4,815 |
| Total risk-based capital ratio | 11.8308% | 4,918 |
| Memoranda: | ||
| Average total assets | $4,105,324,400 | 262 |
| Average earning assets | $3,726,198,200 | 258 |
| Average equity | $486,054,200 | 252 |
| Average total loans | $3,066,724,400 | 248 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9233% | 1,752 |
| Cost of funding earning assets | 0.9583% | 1,949 |
| Net interest margin | 3.9650% | 2,059 |
| Noninterest income to average assets | 0.7252% | 1,685 |
| Noninterest expense to average assets | 2.6542% | 3,003 |
| Loan and lease loss provision to assets | 0.2201% | 776 |
| Net operating income to assets | 1.1407% | 2,410 |
| Return on assets (ROA) | 1.1443% | 2,481 |
| Pretax return on assets | 1.4529% | 2,110 |
| Return on Equity (ROE) | 9.7980% | 2,517 |
| Retained earnings to average equity (ytd only) | 5.4848% | 2,629 |
| Net charge-offs to loans | 0.1944% | 891 |
| Credit loss provision to net charge-offs | 151.3976% | 1,620 |
| Earnings coverage of net charge-offs (x) | 11.4763% | 2,439 |
| Efficiency ratio | 58.3303% | 3,887 |
| Assets per employee ($millions) | 6.1299% | 1,510 |
| Cash dividends to net income (ytd only)* | 44.0205% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 4,074 |
| Loan loss allowance to noncurrent loans | 97.9133% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 1,729 |
| Noncurrent loans to loans | 0.9116% | 1,754 |
| Net loans and leases to total assets | 75.4494% | 1,573 |
| Net loans and leases to deposits | 93.9282% | 1,225 |
| Net loans and leases to core deposits | 101.3336% | 1,560 |
| Total domestic deposits to total assets | 80.3267% | 3,914 |
| Equity capital to assets | 12.0633% | 2,207 |
| Core capital (leverage) ratio | 9.7226% | 3,940 |
| Tier 1 risk-based capital ratio | 10.2584% | 5,140 |
| Total risk-based capital ratio | 10.9991% | 5,191 |
| Memoranda: | ||
| Average total assets | $3,970,295,250 | 271 |
| Average earning assets | $3,602,160,750 | 268 |
| Average equity | $463,690,750 | 262 |
| Average total loans | $2,969,239,000 | 257 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6290% | 2,585 |
| Cost of funding earning assets | 0.9510% | 1,904 |
| Net interest margin | 3.6780% | 2,996 |
| Noninterest income to average assets | 0.7015% | 1,706 |
| Noninterest expense to average assets | 2.5329% | 3,376 |
| Loan and lease loss provision to assets | 0.1222% | 1,528 |
| Net operating income to assets | 1.0888% | 2,568 |
| Return on assets (ROA) | 1.0932% | 2,622 |
| Pretax return on assets | 1.3912% | 2,234 |
| Return on Equity (ROE) | 9.4894% | 2,640 |
| Retained earnings to average equity (ytd only) | 2.5395% | 3,929 |
| Net charge-offs to loans | 0.2090% | 793 |
| Credit loss provision to net charge-offs | 78.8025% | 2,233 |
| Earnings coverage of net charge-offs (x) | 9.7213% | 2,323 |
| Efficiency ratio | 60.8726% | 3,600 |
| Assets per employee ($millions) | 5.7687% | 1,723 |
| Cash dividends to net income (ytd only)* | 73.2386% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 4,408 |
| Loan loss allowance to noncurrent loans | 90.1552% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 1,757 |
| Noncurrent loans to loans | 0.8988% | 1,817 |
| Net loans and leases to total assets | 75.4429% | 1,638 |
| Net loans and leases to deposits | 93.6024% | 1,297 |
| Net loans and leases to core deposits | 100.6131% | 1,667 |
| Total domestic deposits to total assets | 80.5993% | 3,917 |
| Equity capital to assets | 11.7110% | 2,429 |
| Core capital (leverage) ratio | 9.3376% | 4,324 |
| Tier 1 risk-based capital ratio | 10.1469% | 5,205 |
| Total risk-based capital ratio | 10.8379% | 5,250 |
| Memoranda: | ||
| Average total assets | $3,746,950,670 | 282 |
| Average earning assets | $3,401,974,670 | 279 |
| Average equity | $431,662,330 | 277 |
| Average total loans | $2,781,440,670 | 270 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 2,918 |
| Cost of funding earning assets | 0.9367% | 1,856 |
| Net interest margin | 3.5494% | 3,433 |
| Noninterest income to average assets | 0.6306% | 1,907 |
| Noninterest expense to average assets | 2.4455% | 3,638 |
| Loan and lease loss provision to assets | 0.1936% | 837 |
| Net operating income to assets | 0.9713% | 2,968 |
| Return on assets (ROA) | 0.9760% | 2,987 |
| Pretax return on assets | 1.2260% | 2,712 |
| Return on Equity (ROE) | 8.5719% | 3,004 |
| Retained earnings to average equity (ytd only) | 3.2371% | 3,629 |
| Net charge-offs to loans | 0.2080% | 672 |
| Credit loss provision to net charge-offs | 127.6221% | 1,368 |
| Earnings coverage of net charge-offs (x) | 9.3179% | 2,039 |
| Efficiency ratio | 61.9598% | 3,538 |
| Assets per employee ($millions) | 5.7715% | 1,730 |
| Cash dividends to net income (ytd only)* | 62.2355% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,409 |
| Loan loss allowance to noncurrent loans | 138.0318% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 2,129 |
| Noncurrent loans to loans | 0.8936% | 1,867 |
| Net loans and leases to total assets | 71.9242% | 2,179 |
| Net loans and leases to deposits | 88.1429% | 1,854 |
| Net loans and leases to core deposits | 94.8009% | 2,047 |
| Total domestic deposits to total assets | 81.5996% | 3,834 |
| Equity capital to assets | 11.4482% | 2,443 |
| Core capital (leverage) ratio | 9.5230% | 4,104 |
| Tier 1 risk-based capital ratio | 10.8992% | 5,021 |
| Total risk-based capital ratio | 11.9515% | 5,006 |
| Memoranda: | ||
| Average total assets | $3,292,758,500 | 303 |
| Average earning assets | $2,995,250,500 | 302 |
| Average equity | $374,901,000 | 308 |
| Average total loans | $2,401,756,500 | 298 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 2,882 |
| Cost of funding earning assets | 0.7206% | 1,953 |
| Net interest margin | 3.6432% | 3,244 |
| Noninterest income to average assets | 0.7104% | 1,815 |
| Noninterest expense to average assets | 2.5023% | 3,606 |
| Loan and lease loss provision to assets | 0.2245% | 795 |
| Net operating income to assets | 1.0335% | 2,870 |
| Return on assets (ROA) | 1.0374% | 2,841 |
| Pretax return on assets | 1.2954% | 2,514 |
| Return on Equity (ROE) | 9.2021% | 2,889 |
| Retained earnings to average equity (ytd only) | 2.6537% | 4,077 |
| Net charge-offs to loans | 0.2573% | 753 |
| Credit loss provision to net charge-offs | 120.6213% | 2,158 |
| Earnings coverage of net charge-offs (x) | 8.1390% | 2,923 |
| Efficiency ratio | 60.5578% | 3,771 |
| Assets per employee ($millions) | 5.6141% | 1,849 |
| Cash dividends to net income (ytd only)* | 71.1617% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,459 |
| Loan loss allowance to noncurrent loans | 144.4549% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 2,147 |
| Noncurrent loans to loans | 0.8455% | 1,908 |
| Net loans and leases to total assets | 72.1670% | 2,230 |
| Net loans and leases to deposits | 90.3621% | 1,749 |
| Net loans and leases to core deposits | 97.4691% | 1,912 |
| Total domestic deposits to total assets | 79.8642% | 4,135 |
| Equity capital to assets | 11.3227% | 2,391 |
| Core capital (leverage) ratio | 9.4735% | 4,146 |
| Tier 1 risk-based capital ratio | 10.8895% | 5,022 |
| Total risk-based capital ratio | 11.9401% | 5,008 |
| Memoranda: | ||
| Average total assets | $3,251,053,800 | 306 |
| Average earning assets | $2,951,104,200 | 303 |
| Average equity | $366,503,600 | 307 |
| Average total loans | $2,351,672,400 | 302 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,881 |
| Cost of funding earning assets | 0.6789% | 1,980 |
| Net interest margin | 3.6428% | 3,215 |
| Noninterest income to average assets | 0.6792% | 1,944 |
| Noninterest expense to average assets | 2.5187% | 3,530 |
| Loan and lease loss provision to assets | 0.1665% | 1,133 |
| Net operating income to assets | 1.0349% | 2,941 |
| Return on assets (ROA) | 1.0398% | 2,931 |
| Pretax return on assets | 1.3063% | 2,605 |
| Return on Equity (ROE) | 9.2336% | 2,985 |
| Retained earnings to average equity (ytd only) | 2.6614% | 4,350 |
| Net charge-offs to loans | 0.0474% | 2,148 |
| Credit loss provision to net charge-offs | 487.3646% | 726 |
| Earnings coverage of net charge-offs (x) | 42.9243% | 1,295 |
| Efficiency ratio | 61.3782% | 3,603 |
| Assets per employee ($millions) | 5.5179% | 1,898 |
| Cash dividends to net income (ytd only)* | 71.1772% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 2,032 |
| Loan loss allowance to noncurrent loans | 148.2370% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 2,202 |
| Noncurrent loans to loans | 0.8870% | 1,924 |
| Net loans and leases to total assets | 71.9858% | 2,330 |
| Net loans and leases to deposits | 88.8594% | 2,039 |
| Net loans and leases to core deposits | 96.2405% | 2,092 |
| Total domestic deposits to total assets | 81.0109% | 3,866 |
| Equity capital to assets | 11.2233% | 2,453 |
| Core capital (leverage) ratio | 9.4456% | 4,234 |
| Tier 1 risk-based capital ratio | 10.8395% | 5,109 |
| Total risk-based capital ratio | 11.9661% | 5,068 |
| Memoranda: | ||
| Average total assets | $3,242,757,000 | 305 |
| Average earning assets | $2,943,028,250 | 302 |
| Average equity | $365,163,250 | 305 |
| Average total loans | $2,339,729,250 | 298 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,826 |
| Cost of funding earning assets | 0.6325% | 2,032 |
| Net interest margin | 3.6497% | 3,118 |
| Noninterest income to average assets | 0.6919% | 1,900 |
| Noninterest expense to average assets | 2.4762% | 3,694 |
| Loan and lease loss provision to assets | 0.1916% | 906 |
| Net operating income to assets | 1.0628% | 2,741 |
| Return on assets (ROA) | 1.0615% | 2,747 |
| Pretax return on assets | 1.3374% | 2,374 |
| Return on Equity (ROE) | 9.4156% | 2,846 |
| Retained earnings to average equity (ytd only) | 2.8382% | 4,118 |
| Net charge-offs to loans | 0.0309% | 2,241 |
| Credit loss provision to net charge-offs | 863.5097% | 469 |
| Earnings coverage of net charge-offs (x) | 69.0028% | 919 |
| Efficiency ratio | 59.9059% | 3,952 |
| Assets per employee ($millions) | 5.3773% | 2,012 |
| Cash dividends to net income (ytd only)* | 69.8568% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,155 |
| Loan loss allowance to noncurrent loans | 233.0156% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 3,024 |
| Noncurrent loans to loans | 0.5588% | 2,741 |
| Net loans and leases to total assets | 71.4126% | 2,378 |
| Net loans and leases to deposits | 89.3668% | 1,923 |
| Net loans and leases to core deposits | 97.5812% | 1,918 |
| Total domestic deposits to total assets | 79.9095% | 4,251 |
| Equity capital to assets | 11.1816% | 2,472 |
| Core capital (leverage) ratio | 9.4085% | 4,235 |
| Tier 1 risk-based capital ratio | 10.7780% | 5,156 |
| Total risk-based capital ratio | 11.8901% | 5,110 |
| Memoranda: | ||
| Average total assets | $3,236,658,330 | 301 |
| Average earning assets | $2,939,777,000 | 302 |
| Average equity | $364,884,670 | 298 |
| Average total loans | $2,326,714,670 | 297 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 2,757 |
| Cost of funding earning assets | 0.5901% | 2,114 |
| Net interest margin | 3.6469% | 2,999 |
| Noninterest income to average assets | 0.7012% | 1,825 |
| Noninterest expense to average assets | 2.4783% | 3,717 |
| Loan and lease loss provision to assets | 0.2298% | 678 |
| Net operating income to assets | 1.0382% | 2,695 |
| Return on assets (ROA) | 1.0368% | 2,721 |
| Pretax return on assets | 1.3039% | 2,351 |
| Return on Equity (ROE) | 9.1589% | 2,823 |
| Retained earnings to average equity (ytd only) | 2.5753% | 4,146 |
| Net charge-offs to loans | 0.0413% | 1,712 |
| Credit loss provision to net charge-offs | 777.3109% | 424 |
| Earnings coverage of net charge-offs (x) | 51.9370% | 930 |
| Efficiency ratio | 59.7438% | 4,096 |
| Assets per employee ($millions) | 5.4184% | 2,013 |
| Cash dividends to net income (ytd only)* | 71.8821% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,365 |
| Loan loss allowance to noncurrent loans | 216.8616% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 3,027 |
| Noncurrent loans to loans | 0.5880% | 2,777 |
| Net loans and leases to total assets | 71.0207% | 2,323 |
| Net loans and leases to deposits | 87.0808% | 2,044 |
| Net loans and leases to core deposits | 96.0475% | 1,970 |
| Total domestic deposits to total assets | 81.5572% | 4,075 |
| Equity capital to assets | 11.2510% | 2,345 |
| Core capital (leverage) ratio | 9.4175% | 4,163 |
| Tier 1 risk-based capital ratio | 10.8685% | 5,207 |
| Total risk-based capital ratio | 11.9599% | 5,174 |
| Memoranda: | ||
| Average total assets | $3,220,287,000 | 303 |
| Average earning assets | $2,924,993,500 | 300 |
| Average equity | $364,542,000 | 298 |
| Average total loans | $2,307,290,000 | 296 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 2,650 |
| Cost of funding earning assets | 0.4854% | 2,455 |
| Net interest margin | 3.7251% | 2,695 |
| Noninterest income to average assets | 0.7166% | 1,895 |
| Noninterest expense to average assets | 2.5170% | 3,723 |
| Loan and lease loss provision to assets | 0.5563% | 235 |
| Net operating income to assets | 0.6677% | 3,741 |
| Return on assets (ROA) | 0.6727% | 3,771 |
| Pretax return on assets | 1.0382% | 3,423 |
| Return on Equity (ROE) | 5.8521% | 3,824 |
| Retained earnings to average equity (ytd only) | 4.0372% | 2,758 |
| Net charge-offs to loans | 0.5018% | 470 |
| Credit loss provision to net charge-offs | 155.8112% | 1,717 |
| Earnings coverage of net charge-offs (x) | 4.4440% | 3,467 |
| Efficiency ratio | 58.9331% | 4,422 |
| Assets per employee ($millions) | 5.3430% | 2,111 |
| Cash dividends to net income (ytd only)* | 31.0129% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,624 |
| Loan loss allowance to noncurrent loans | 186.9977% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 2,786 |
| Noncurrent loans to loans | 0.6559% | 2,575 |
| Net loans and leases to total assets | 70.4814% | 2,449 |
| Net loans and leases to deposits | 86.5345% | 2,189 |
| Net loans and leases to core deposits | 96.5346% | 1,978 |
| Total domestic deposits to total assets | 81.4489% | 4,016 |
| Equity capital to assets | 11.3900% | 2,294 |
| Core capital (leverage) ratio | 9.5286% | 4,006 |
| Tier 1 risk-based capital ratio | 11.0329% | 5,125 |
| Total risk-based capital ratio | 12.0836% | 5,130 |
| Memoranda: | ||
| Average total assets | $3,115,679,200 | 299 |
| Average earning assets | $2,833,068,600 | 297 |
| Average equity | $358,142,400 | 287 |
| Average total loans | $2,217,194,200 | 294 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,600 |
| Cost of funding earning assets | 0.4726% | 2,494 |
| Net interest margin | 3.7322% | 2,650 |
| Noninterest income to average assets | 0.7176% | 1,923 |
| Noninterest expense to average assets | 2.5296% | 3,628 |
| Loan and lease loss provision to assets | 0.2873% | 557 |
| Net operating income to assets | 0.9399% | 2,828 |
| Return on assets (ROA) | 0.9473% | 2,855 |
| Pretax return on assets | 1.3068% | 2,451 |
| Return on Equity (ROE) | 8.2218% | 3,013 |
| Retained earnings to average equity (ytd only) | 7.0060% | 1,683 |
| Net charge-offs to loans | 0.1215% | 1,576 |
| Credit loss provision to net charge-offs | 332.4190% | 905 |
| Earnings coverage of net charge-offs (x) | 18.3257% | 2,056 |
| Efficiency ratio | 59.0116% | 4,354 |
| Assets per employee ($millions) | 5.1350% | 2,294 |
| Cash dividends to net income (ytd only)* | 14.7882% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 3,080 |
| Loan loss allowance to noncurrent loans | 130.2255% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 2,434 |
| Noncurrent loans to loans | 0.8990% | 2,134 |
| Net loans and leases to total assets | 71.3285% | 2,356 |
| Net loans and leases to deposits | 89.6383% | 1,851 |
| Net loans and leases to core deposits | 97.9650% | 1,887 |
| Total domestic deposits to total assets | 79.5737% | 4,418 |
| Equity capital to assets | 11.8635% | 2,062 |
| Core capital (leverage) ratio | 9.8848% | 3,717 |
| Tier 1 risk-based capital ratio | 11.5485% | 4,931 |
| Total risk-based capital ratio | 12.5739% | 4,945 |
| Memoranda: | ||
| Average total assets | $3,093,149,000 | 301 |
| Average earning assets | $2,814,388,500 | 299 |
| Average equity | $356,392,750 | 289 |
| Average total loans | $2,199,605,000 | 293 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 2,588 |
| Cost of funding earning assets | 0.4614% | 2,490 |
| Net interest margin | 3.7067% | 2,634 |
| Noninterest income to average assets | 0.7035% | 1,973 |
| Noninterest expense to average assets | 2.5530% | 3,573 |
| Loan and lease loss provision to assets | 0.1482% | 1,370 |
| Net operating income to assets | 0.9806% | 2,524 |
| Return on assets (ROA) | 0.9835% | 2,559 |
| Pretax return on assets | 1.3809% | 2,095 |
| Return on Equity (ROE) | 8.6227% | 2,706 |
| Retained earnings to average equity (ytd only) | 6.7715% | 1,703 |
| Net charge-offs to loans | 0.1489% | 1,258 |
| Credit loss provision to net charge-offs | 140.7156% | 1,587 |
| Earnings coverage of net charge-offs (x) | 14.4800% | 2,069 |
| Efficiency ratio | 60.0140% | 4,314 |
| Assets per employee ($millions) | 5.0982% | 2,277 |
| Cash dividends to net income (ytd only)* | 21.4692% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 4,005 |
| Loan loss allowance to noncurrent loans | 120.5097% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6538% | 2,592 |
| Noncurrent loans to loans | 0.8494% | 2,282 |
| Net loans and leases to total assets | 70.5680% | 2,433 |
| Net loans and leases to deposits | 86.9484% | 2,109 |
| Net loans and leases to core deposits | 96.2806% | 1,958 |
| Total domestic deposits to total assets | 81.1608% | 4,142 |
| Equity capital to assets | 11.8723% | 2,024 |
| Core capital (leverage) ratio | 9.7928% | 3,787 |
| Tier 1 risk-based capital ratio | 11.7296% | 4,818 |
| Total risk-based capital ratio | 12.6453% | 4,917 |
| Memoranda: | ||
| Average total assets | $3,078,374,330 | 304 |
| Average earning assets | $2,802,412,670 | 300 |
| Average equity | $351,119,330 | 294 |
| Average total loans | $2,177,999,000 | 299 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 2,739 |
| Cost of funding earning assets | 0.4502% | 2,523 |
| Net interest margin | 3.6274% | 2,791 |
| Noninterest income to average assets | 0.7041% | 1,947 |
| Noninterest expense to average assets | 2.5649% | 3,608 |
| Loan and lease loss provision to assets | 0.1354% | 1,414 |
| Net operating income to assets | 0.9617% | 2,471 |
| Return on assets (ROA) | 0.9659% | 2,509 |
| Pretax return on assets | 1.3138% | 2,190 |
| Return on Equity (ROE) | 8.6454% | 2,595 |
| Retained earnings to average equity (ytd only) | 4.8617% | 2,976 |
| Net charge-offs to loans | 0.1244% | 1,174 |
| Credit loss provision to net charge-offs | 154.4510% | 1,193 |
| Earnings coverage of net charge-offs (x) | 16.4674% | 1,643 |
| Efficiency ratio | 61.2739% | 4,271 |
| Assets per employee ($millions) | 5.1541% | 2,237 |
| Cash dividends to net income (ytd only)* | 43.7651% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 4,125 |
| Loan loss allowance to noncurrent loans | 88.7828% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 2,137 |
| Noncurrent loans to loans | 1.1556% | 1,756 |
| Net loans and leases to total assets | 69.6529% | 2,446 |
| Net loans and leases to deposits | 84.3958% | 2,238 |
| Net loans and leases to core deposits | 93.8328% | 1,996 |
| Total domestic deposits to total assets | 82.5313% | 3,998 |
| Equity capital to assets | 11.4281% | 2,236 |
| Core capital (leverage) ratio | 9.3333% | 4,301 |
| Tier 1 risk-based capital ratio | 11.2576% | 5,166 |
| Total risk-based capital ratio | 12.1667% | 5,276 |
| Memoranda: | ||
| Average total assets | $3,075,341,000 | 306 |
| Average earning assets | $2,801,558,000 | 301 |
| Average equity | $343,581,500 | 299 |
| Average total loans | $2,167,429,000 | 301 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 2,764 |
| Cost of funding earning assets | 0.4199% | 2,808 |
| Net interest margin | 3.7016% | 2,686 |
| Noninterest income to average assets | 0.7671% | 1,895 |
| Noninterest expense to average assets | 2.8613% | 2,810 |
| Loan and lease loss provision to assets | 0.2657% | 764 |
| Net operating income to assets | 0.7321% | 3,631 |
| Return on assets (ROA) | 0.7434% | 3,683 |
| Pretax return on assets | 1.0126% | 3,435 |
| Return on Equity (ROE) | 6.6647% | 3,658 |
| Retained earnings to average equity (ytd only) | 2.9354% | 3,808 |
| Net charge-offs to loans | 0.2570% | 1,078 |
| Credit loss provision to net charge-offs | 143.5791% | 1,909 |
| Earnings coverage of net charge-offs (x) | 6.8245% | 3,119 |
| Efficiency ratio | 66.2360% | 3,559 |
| Assets per employee ($millions) | 5.2327% | 2,132 |
| Cash dividends to net income (ytd only)* | 55.9560% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 4,276 |
| Loan loss allowance to noncurrent loans | 92.6083% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 2,254 |
| Noncurrent loans to loans | 1.0876% | 1,917 |
| Net loans and leases to total assets | 69.9177% | 2,484 |
| Net loans and leases to deposits | 86.4518% | 2,108 |
| Net loans and leases to core deposits | 94.6440% | 2,044 |
| Total domestic deposits to total assets | 80.8748% | 4,362 |
| Equity capital to assets | 10.9235% | 2,689 |
| Core capital (leverage) ratio | 8.9787% | 4,765 |
| Tier 1 risk-based capital ratio | 11.0420% | 5,324 |
| Total risk-based capital ratio | 11.9628% | 5,395 |
| Memoranda: | ||
| Average total assets | $3,004,861,600 | 294 |
| Average earning assets | $2,725,112,600 | 294 |
| Average equity | $335,183,600 | 293 |
| Average total loans | $2,163,173,400 | 290 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 2,659 |
| Cost of funding earning assets | 0.4132% | 2,902 |
| Net interest margin | 3.7430% | 2,542 |
| Noninterest income to average assets | 0.7437% | 1,992 |
| Noninterest expense to average assets | 2.8874% | 2,676 |
| Loan and lease loss provision to assets | 0.1446% | 1,618 |
| Net operating income to assets | 0.7853% | 3,434 |
| Return on assets (ROA) | 0.8001% | 3,506 |
| Pretax return on assets | 1.1244% | 3,139 |
| Return on Equity (ROE) | 7.1348% | 3,485 |
| Retained earnings to average equity (ytd only) | 3.1560% | 4,025 |
| Net charge-offs to loans | 0.0785% | 2,200 |
| Credit loss provision to net charge-offs | 254.5954% | 1,184 |
| Earnings coverage of net charge-offs (x) | 21.9741% | 1,791 |
| Efficiency ratio | 66.5922% | 3,489 |
| Assets per employee ($millions) | 5.1381% | 2,208 |
| Cash dividends to net income (ytd only)* | 55.7662% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 4,429 |
| Loan loss allowance to noncurrent loans | 111.3105% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7569% | 2,659 |
| Noncurrent loans to loans | 0.8963% | 2,462 |
| Net loans and leases to total assets | 70.8783% | 2,363 |
| Net loans and leases to deposits | 86.6262% | 2,196 |
| Net loans and leases to core deposits | 94.2755% | 2,169 |
| Total domestic deposits to total assets | 81.8209% | 3,992 |
| Equity capital to assets | 11.3498% | 2,654 |
| Core capital (leverage) ratio | 8.9895% | 4,840 |
| Tier 1 risk-based capital ratio | 11.2245% | 5,244 |
| Total risk-based capital ratio | 12.1511% | 5,336 |
| Memoranda: | ||
| Average total assets | $2,988,181,000 | 294 |
| Average earning assets | $2,707,844,000 | 292 |
| Average equity | $335,098,750 | 293 |
| Average total loans | $2,161,608,750 | 289 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 2,573 |
| Cost of funding earning assets | 0.3995% | 3,050 |
| Net interest margin | 3.7796% | 2,403 |
| Noninterest income to average assets | 0.7457% | 1,947 |
| Noninterest expense to average assets | 3.0037% | 2,328 |
| Loan and lease loss provision to assets | 0.1498% | 1,534 |
| Net operating income to assets | 0.7311% | 3,644 |
| Return on assets (ROA) | 0.7536% | 3,686 |
| Pretax return on assets | 1.0481% | 3,402 |
| Return on Equity (ROE) | 6.7472% | 3,668 |
| Retained earnings to average equity (ytd only) | 2.2491% | 4,446 |
| Net charge-offs to loans | 0.0430% | 2,607 |
| Credit loss provision to net charge-offs | 479.8283% | 680 |
| Earnings coverage of net charge-offs (x) | 37.3712% | 1,202 |
| Efficiency ratio | 68.7516% | 3,202 |
| Assets per employee ($millions) | 4.9834% | 2,316 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 4,642 |
| Loan loss allowance to noncurrent loans | 128.5758% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 2,918 |
| Noncurrent loans to loans | 0.7586% | 2,844 |
| Net loans and leases to total assets | 71.8513% | 2,193 |
| Net loans and leases to deposits | 87.1268% | 2,120 |
| Net loans and leases to core deposits | 94.9966% | 2,064 |
| Total domestic deposits to total assets | 82.4675% | 3,852 |
| Equity capital to assets | 11.2182% | 2,831 |
| Core capital (leverage) ratio | 8.8878% | 4,952 |
| Tier 1 risk-based capital ratio | 11.1751% | 5,327 |
| Total risk-based capital ratio | 12.1063% | 5,420 |
| Memoranda: | ||
| Average total assets | $2,985,732,670 | 292 |
| Average earning assets | $2,705,181,330 | 291 |
| Average equity | $333,470,000 | 293 |
| Average total loans | $2,167,287,000 | 285 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 3,730 |
| Cost of funding earning assets | 0.5570% | 1,646 |
| Net interest margin | 3.3036% | 4,207 |
| Noninterest income to average assets | 0.7548% | 1,803 |
| Noninterest expense to average assets | 2.4835% | 4,119 |
| Loan and lease loss provision to assets | 0.1042% | 1,968 |
| Net operating income to assets | 0.9367% | 2,572 |
| Return on assets (ROA) | 0.9448% | 2,649 |
| Pretax return on assets | 1.2162% | 2,637 |
| Return on Equity (ROE) | 10.0254% | 1,975 |
| Retained earnings to average equity (ytd only) | 3.8839% | 3,553 |
| Net charge-offs to loans | 0.0688% | 1,794 |
| Credit loss provision to net charge-offs | 221.6749% | 1,017 |
| Earnings coverage of net charge-offs (x) | 27.8719% | 1,234 |
| Efficiency ratio | 65.1022% | 3,957 |
| Assets per employee ($millions) | 5.0147% | 2,326 |
| Cash dividends to net income (ytd only)* | 61.2595% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 2,291 |
| Loan loss allowance to noncurrent loans | 117.6149% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9774% | 2,265 |
| Noncurrent loans to loans | 1.2156% | 1,990 |
| Net loans and leases to total assets | 67.4418% | 2,742 |
| Net loans and leases to deposits | 83.7439% | 2,338 |
| Net loans and leases to core deposits | 93.2619% | 2,066 |
| Total domestic deposits to total assets | 80.5334% | 4,624 |
| Equity capital to assets | 9.4599% | 4,706 |
| Core capital (leverage) ratio | 9.0878% | 4,749 |
| Tier 1 risk-based capital ratio | 11.2498% | 5,372 |
| Total risk-based capital ratio | 12.4993% | 5,277 |
| Memoranda: | ||
| Average total assets | $1,727,694,500 | 453 |
| Average earning assets | $1,589,184,000 | 442 |
| Average equity | $162,826,500 | 495 |
| Average total loans | $1,180,803,000 | 444 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 3,392 |
| Cost of funding earning assets | 0.5245% | 1,962 |
| Net interest margin | 3.4529% | 3,709 |
| Noninterest income to average assets | 0.8131% | 1,731 |
| Noninterest expense to average assets | 2.3410% | 4,676 |
| Loan and lease loss provision to assets | 0.1048% | 2,234 |
| Net operating income to assets | 1.2661% | 1,349 |
| Return on assets (ROA) | 1.3106% | 1,294 |
| Pretax return on assets | 1.6076% | 1,223 |
| Return on Equity (ROE) | 13.2829% | 998 |
| Retained earnings to average equity (ytd only) | -17.1905% | 6,109 |
| Net charge-offs to loans | 0.3045% | 990 |
| Credit loss provision to net charge-offs | 50.6819% | 3,392 |
| Earnings coverage of net charge-offs (x) | 8.0192% | 3,006 |
| Efficiency ratio | 58.0461% | 5,139 |
| Assets per employee ($millions) | 4.8324% | 2,556 |
| Cash dividends to net income (ytd only)* | 229.4182% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 2,317 |
| Loan loss allowance to noncurrent loans | 508.5436% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 4,256 |
| Noncurrent loans to loans | 0.2800% | 4,460 |
| Net loans and leases to total assets | 67.2983% | 2,822 |
| Net loans and leases to deposits | 82.2825% | 2,556 |
| Net loans and leases to core deposits | 92.0384% | 2,217 |
| Total domestic deposits to total assets | 81.7893% | 4,228 |
| Equity capital to assets | 9.3888% | 4,683 |
| Core capital (leverage) ratio | 8.9050% | 4,998 |
| Tier 1 risk-based capital ratio | 11.2962% | 5,380 |
| Total risk-based capital ratio | 12.5268% | 5,284 |
| Memoranda: | ||
| Average total assets | $1,737,698,000 | 422 |
| Average earning assets | $1,603,402,400 | 413 |
| Average equity | $171,460,600 | 466 |
| Average total loans | $1,180,090,600 | 421 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,392 |
| Cost of funding earning assets | 0.5231% | 2,014 |
| Net interest margin | 3.4634% | 3,703 |
| Noninterest income to average assets | 0.7684% | 1,934 |
| Noninterest expense to average assets | 2.3060% | 4,762 |
| Loan and lease loss provision to assets | 0.1049% | 2,110 |
| Net operating income to assets | 1.2076% | 1,628 |
| Return on assets (ROA) | 1.2639% | 1,501 |
| Pretax return on assets | 1.6285% | 1,304 |
| Return on Equity (ROE) | 12.6580% | 1,207 |
| Retained earnings to average equity (ytd only) | -25.6670% | 6,224 |
| Net charge-offs to loans | 0.3285% | 805 |
| Credit loss provision to net charge-offs | 47.0972% | 3,069 |
| Earnings coverage of net charge-offs (x) | 7.4565% | 2,914 |
| Efficiency ratio | 57.6318% | 5,163 |
| Assets per employee ($millions) | 4.8625% | 2,468 |
| Cash dividends to net income (ytd only)* | 302.7734% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 2,503 |
| Loan loss allowance to noncurrent loans | 367.3744% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 4,319 |
| Noncurrent loans to loans | 0.3866% | 4,230 |
| Net loans and leases to total assets | 68.1943% | 2,649 |
| Net loans and leases to deposits | 83.4475% | 2,462 |
| Net loans and leases to core deposits | 93.1458% | 2,160 |
| Total domestic deposits to total assets | 81.7212% | 4,249 |
| Equity capital to assets | 9.1652% | 5,153 |
| Core capital (leverage) ratio | 8.9767% | 5,018 |
| Tier 1 risk-based capital ratio | 11.0295% | 5,645 |
| Total risk-based capital ratio | 12.2774% | 5,547 |
| Memoranda: | ||
| Average total assets | $1,742,043,000 | 420 |
| Average earning assets | $1,609,031,250 | 415 |
| Average equity | $173,946,500 | 463 |
| Average total loans | $1,181,495,750 | 423 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 3,264 |
| Cost of funding earning assets | 0.5265% | 2,011 |
| Net interest margin | 3.4796% | 3,582 |
| Noninterest income to average assets | 0.7596% | 1,955 |
| Noninterest expense to average assets | 2.3034% | 4,835 |
| Loan and lease loss provision to assets | 0.1054% | 2,069 |
| Net operating income to assets | 1.1426% | 1,800 |
| Return on assets (ROA) | 1.2214% | 1,617 |
| Pretax return on assets | 1.6805% | 1,121 |
| Return on Equity (ROE) | 11.9101% | 1,392 |
| Retained earnings to average equity (ytd only) | -43.8959% | 6,317 |
| Net charge-offs to loans | 0.4498% | 568 |
| Credit loss provision to net charge-offs | 34.7810% | 2,876 |
| Earnings coverage of net charge-offs (x) | 5.5363% | 2,911 |
| Efficiency ratio | 57.3626% | 5,299 |
| Assets per employee ($millions) | 4.6465% | 2,751 |
| Cash dividends to net income (ytd only)* | 468.5596% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 2,679 |
| Loan loss allowance to noncurrent loans | 337.6485% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 4,347 |
| Noncurrent loans to loans | 0.4195% | 4,219 |
| Net loans and leases to total assets | 69.3975% | 2,427 |
| Net loans and leases to deposits | 84.2861% | 2,281 |
| Net loans and leases to core deposits | 93.9384% | 1,961 |
| Total domestic deposits to total assets | 82.3356% | 4,182 |
| Equity capital to assets | 9.0086% | 5,228 |
| Core capital (leverage) ratio | 8.4230% | 5,608 |
| Tier 1 risk-based capital ratio | 10.7006% | 5,842 |
| Total risk-based capital ratio | 11.9490% | 5,784 |
| Memoranda: | ||
| Average total assets | $1,747,325,670 | 418 |
| Average earning assets | $1,617,880,330 | 413 |
| Average equity | $179,192,000 | 459 |
| Average total loans | $1,177,286,000 | 424 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,277 |
| Cost of funding earning assets | 0.5265% | 2,040 |
| Net interest margin | 3.4597% | 3,585 |
| Noninterest income to average assets | 0.7121% | 2,119 |
| Noninterest expense to average assets | 2.2818% | 4,927 |
| Loan and lease loss provision to assets | 0.1184% | 1,748 |
| Net operating income to assets | 1.1104% | 1,834 |
| Return on assets (ROA) | 1.1706% | 1,738 |
| Pretax return on assets | 1.6018% | 1,267 |
| Return on Equity (ROE) | 10.7945% | 1,695 |
| Retained earnings to average equity (ytd only) | 0.4331% | 5,236 |
| Net charge-offs to loans | 0.1244% | 1,516 |
| Credit loss provision to net charge-offs | 144.3836% | 1,280 |
| Earnings coverage of net charge-offs (x) | 19.9671% | 1,431 |
| Efficiency ratio | 57.7285% | 5,368 |
| Assets per employee ($millions) | 4.8218% | 2,591 |
| Cash dividends to net income (ytd only)* | 95.9877% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 2,191 |
| Loan loss allowance to noncurrent loans | 248.7668% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 3,748 |
| Noncurrent loans to loans | 0.6272% | 3,705 |
| Net loans and leases to total assets | 66.5282% | 2,689 |
| Net loans and leases to deposits | 82.9604% | 2,210 |
| Net loans and leases to core deposits | 93.7977% | 1,786 |
| Total domestic deposits to total assets | 80.1927% | 5,014 |
| Equity capital to assets | 10.9476% | 3,032 |
| Core capital (leverage) ratio | 10.5028% | 2,956 |
| Tier 1 risk-based capital ratio | 13.3123% | 4,426 |
| Total risk-based capital ratio | 14.5623% | 4,340 |
| Memoranda: | ||
| Average total assets | $1,779,976,500 | 413 |
| Average earning assets | $1,650,209,500 | 410 |
| Average equity | $193,025,000 | 432 |
| Average total loans | $1,173,902,500 | 426 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 3,918 |
| Cost of funding earning assets | 0.5674% | 2,069 |
| Net interest margin | 3.3836% | 4,258 |
| Noninterest income to average assets | 0.7555% | 2,056 |
| Noninterest expense to average assets | 2.2948% | 5,126 |
| Loan and lease loss provision to assets | 0.0664% | 3,173 |
| Net operating income to assets | 1.1175% | 1,916 |
| Return on assets (ROA) | 1.1678% | 1,761 |
| Pretax return on assets | 1.6117% | 1,202 |
| Return on Equity (ROE) | 11.1867% | 1,662 |
| Retained earnings to average equity (ytd only) | 6.5558% | 1,617 |
| Net charge-offs to loans | 0.0879% | 3,233 |
| Credit loss provision to net charge-offs | 118.8391% | 2,028 |
| Earnings coverage of net charge-offs (x) | 28.7974% | 1,386 |
| Efficiency ratio | 58.1512% | 5,444 |
| Assets per employee ($millions) | 4.9051% | 2,451 |
| Cash dividends to net income (ytd only)* | 41.3968% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 2,068 |
| Loan loss allowance to noncurrent loans | 237.2147% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 3,797 |
| Noncurrent loans to loans | 0.6770% | 3,649 |
| Net loans and leases to total assets | 63.3039% | 3,316 |
| Net loans and leases to deposits | 80.0684% | 2,704 |
| Net loans and leases to core deposits | 91.7749% | 2,116 |
| Total domestic deposits to total assets | 79.0624% | 5,237 |
| Equity capital to assets | 10.7421% | 3,188 |
| Core capital (leverage) ratio | 10.0548% | 3,491 |
| Tier 1 risk-based capital ratio | 12.4999% | 5,038 |
| Total risk-based capital ratio | 13.7506% | 4,953 |
| Memoranda: | ||
| Average total assets | $1,758,286,800 | 411 |
| Average earning assets | $1,635,706,600 | 400 |
| Average equity | $183,548,200 | 438 |
| Average total loans | $1,117,701,200 | 421 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 3,948 |
| Cost of funding earning assets | 0.5679% | 2,123 |
| Net interest margin | 3.3859% | 4,290 |
| Noninterest income to average assets | 0.7626% | 2,041 |
| Noninterest expense to average assets | 2.3061% | 5,082 |
| Loan and lease loss provision to assets | 0.0711% | 2,926 |
| Net operating income to assets | 1.1152% | 1,971 |
| Return on assets (ROA) | 1.1765% | 1,840 |
| Pretax return on assets | 1.6241% | 1,248 |
| Return on Equity (ROE) | 11.3550% | 1,670 |
| Retained earnings to average equity (ytd only) | 5.1059% | 3,014 |
| Net charge-offs to loans | 0.0793% | 3,064 |
| Credit loss provision to net charge-offs | 141.3636% | 1,670 |
| Earnings coverage of net charge-offs (x) | 32.0211% | 1,313 |
| Efficiency ratio | 58.2450% | 5,414 |
| Assets per employee ($millions) | 4.9121% | 2,363 |
| Cash dividends to net income (ytd only)* | 55.0340% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 2,112 |
| Loan loss allowance to noncurrent loans | 234.2576% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 4,057 |
| Noncurrent loans to loans | 0.7071% | 3,842 |
| Net loans and leases to total assets | 61.2068% | 3,590 |
| Net loans and leases to deposits | 76.6050% | 3,117 |
| Net loans and leases to core deposits | 90.0531% | 2,219 |
| Total domestic deposits to total assets | 79.8992% | 5,124 |
| Equity capital to assets | 10.3398% | 3,745 |
| Core capital (leverage) ratio | 10.0658% | 3,575 |
| Tier 1 risk-based capital ratio | 12.5784% | 5,126 |
| Total risk-based capital ratio | 13.8297% | 5,056 |
| Memoranda: | ||
| Average total assets | $1,750,272,250 | 409 |
| Average earning assets | $1,630,098,250 | 399 |
| Average equity | $181,355,250 | 435 |
| Average total loans | $1,109,162,250 | 423 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,690 |
| Cost of funding earning assets | 0.5676% | 2,187 |
| Net interest margin | 3.4438% | 4,003 |
| Noninterest income to average assets | 0.7314% | 2,140 |
| Noninterest expense to average assets | 2.3084% | 5,126 |
| Loan and lease loss provision to assets | 0.0929% | 2,474 |
| Net operating income to assets | 1.1069% | 1,915 |
| Return on assets (ROA) | 1.1878% | 1,702 |
| Pretax return on assets | 1.6493% | 1,141 |
| Return on Equity (ROE) | 11.4552% | 1,585 |
| Retained earnings to average equity (ytd only) | 5.8896% | 2,389 |
| Net charge-offs to loans | 0.0999% | 2,683 |
| Credit loss provision to net charge-offs | 145.8333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 25.5797% | 1,401 |
| Efficiency ratio | 57.9689% | 5,556 |
| Assets per employee ($millions) | 4.6228% | 2,735 |
| Cash dividends to net income (ytd only)* | 48.5861% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 2,207 |
| Loan loss allowance to noncurrent loans | 254.7126% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 4,180 |
| Noncurrent loans to loans | 0.6578% | 4,061 |
| Net loans and leases to total assets | 63.3584% | 3,187 |
| Net loans and leases to deposits | 80.4184% | 2,458 |
| Net loans and leases to core deposits | 90.8487% | 2,045 |
| Total domestic deposits to total assets | 78.7859% | 5,503 |
| Equity capital to assets | 10.7518% | 3,146 |
| Core capital (leverage) ratio | 10.0265% | 3,578 |
| Tier 1 risk-based capital ratio | 12.8134% | 5,026 |
| Total risk-based capital ratio | 14.0652% | 4,967 |
| Memoranda: | ||
| Average total assets | $1,732,780,330 | 411 |
| Average earning assets | $1,613,519,670 | 400 |
| Average equity | $179,673,330 | 436 |
| Average total loans | $1,104,886,000 | 418 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,943 |
| Cost of funding earning assets | 0.5748% | 2,202 |
| Net interest margin | 3.3613% | 4,287 |
| Noninterest income to average assets | 0.7359% | 2,008 |
| Noninterest expense to average assets | 2.2682% | 5,278 |
| Loan and lease loss provision to assets | 0.0897% | 2,419 |
| Net operating income to assets | 1.0807% | 1,893 |
| Return on assets (ROA) | 1.2104% | 1,519 |
| Pretax return on assets | 1.6864% | 1,001 |
| Return on Equity (ROE) | 11.8897% | 1,441 |
| Retained earnings to average equity (ytd only) | 0.5941% | 5,345 |
| Net charge-offs to loans | 0.0522% | 2,655 |
| Credit loss provision to net charge-offs | 270.8333% | 853 |
| Earnings coverage of net charge-offs (x) | 48.1944% | 769 |
| Efficiency ratio | 58.0432% | 5,640 |
| Assets per employee ($millions) | 4.7788% | 2,550 |
| Cash dividends to net income (ytd only)* | 95.0029% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 2,368 |
| Loan loss allowance to noncurrent loans | 216.1542% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 4,082 |
| Noncurrent loans to loans | 0.7845% | 3,905 |
| Net loans and leases to total assets | 62.0185% | 3,237 |
| Net loans and leases to deposits | 77.6512% | 2,612 |
| Net loans and leases to core deposits | 88.4739% | 2,045 |
| Total domestic deposits to total assets | 79.8680% | 5,512 |
| Equity capital to assets | 10.2701% | 3,516 |
| Core capital (leverage) ratio | 9.6866% | 4,012 |
| Tier 1 risk-based capital ratio | 12.4993% | 5,314 |
| Total risk-based capital ratio | 13.7511% | 5,251 |
| Memoranda: | ||
| Average total assets | $1,739,321,000 | 407 |
| Average earning assets | $1,618,768,500 | 395 |
| Average equity | $177,060,500 | 440 |
| Average total loans | $1,103,259,000 | 418 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 3,556 |
| Cost of funding earning assets | 0.7262% | 1,641 |
| Net interest margin | 3.4199% | 4,202 |
| Noninterest income to average assets | 0.7328% | 2,369 |
| Noninterest expense to average assets | 2.3006% | 5,383 |
| Loan and lease loss provision to assets | 0.0555% | 4,035 |
| Net operating income to assets | 1.1341% | 1,819 |
| Return on assets (ROA) | 1.1368% | 1,869 |
| Pretax return on assets | 1.5660% | 1,255 |
| Return on Equity (ROE) | 11.6071% | 1,553 |
| Retained earnings to average equity (ytd only) | 9.2744% | 717 |
| Net charge-offs to loans | 0.0689% | 4,243 |
| Credit loss provision to net charge-offs | 129.6000% | 1,807 |
| Earnings coverage of net charge-offs (x) | 37.7653% | 994 |
| Efficiency ratio | 57.9246% | 5,746 |
| Assets per employee ($millions) | 4.7649% | 2,492 |
| Cash dividends to net income (ytd only)* | 20.0975% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 2,583 |
| Loan loss allowance to noncurrent loans | 188.6188% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 3,939 |
| Noncurrent loans to loans | 0.8730% | 3,799 |
| Net loans and leases to total assets | 62.7206% | 3,248 |
| Net loans and leases to deposits | 79.1716% | 2,565 |
| Net loans and leases to core deposits | 90.6299% | 1,949 |
| Total domestic deposits to total assets | 79.2211% | 5,615 |
| Equity capital to assets | 10.0901% | 3,646 |
| Core capital (leverage) ratio | 9.6498% | 4,057 |
| Tier 1 risk-based capital ratio | 12.2393% | 5,466 |
| Total risk-based capital ratio | 13.4907% | 5,393 |
| Memoranda: | ||
| Average total assets | $1,750,770,400 | 395 |
| Average earning assets | $1,630,839,200 | 385 |
| Average equity | $171,472,600 | 436 |
| Average total loans | $1,088,913,400 | 402 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 3,402 |
| Cost of funding earning assets | 0.7505% | 1,608 |
| Net interest margin | 3.4445% | 4,106 |
| Noninterest income to average assets | 0.7556% | 2,340 |
| Noninterest expense to average assets | 2.3193% | 5,275 |
| Loan and lease loss provision to assets | 0.0578% | 3,895 |
| Net operating income to assets | 1.1519% | 1,802 |
| Return on assets (ROA) | 1.1566% | 1,856 |
| Pretax return on assets | 1.5941% | 1,346 |
| Return on Equity (ROE) | 11.8984% | 1,502 |
| Retained earnings to average equity (ytd only) | 8.7677% | 1,131 |
| Net charge-offs to loans | 0.0261% | 4,603 |
| Credit loss provision to net charge-offs | 358.4906% | 735 |
| Earnings coverage of net charge-offs (x) | 102.0235% | 493 |
| Efficiency ratio | 57.7169% | 5,721 |
| Assets per employee ($millions) | 4.7834% | 2,458 |
| Cash dividends to net income (ytd only)* | 26.3123% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 2,654 |
| Loan loss allowance to noncurrent loans | 182.0215% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 4,102 |
| Noncurrent loans to loans | 0.9287% | 3,956 |
| Net loans and leases to total assets | 62.7753% | 3,204 |
| Net loans and leases to deposits | 81.5995% | 2,187 |
| Net loans and leases to core deposits | 90.2709% | 1,941 |
| Total domestic deposits to total assets | 76.9310% | 6,055 |
| Equity capital to assets | 9.9921% | 3,910 |
| Core capital (leverage) ratio | 9.4886% | 4,427 |
| Tier 1 risk-based capital ratio | 12.3204% | 5,559 |
| Total risk-based capital ratio | 13.5727% | 5,496 |
| Memoranda: | ||
| Average total assets | $1,752,475,500 | 396 |
| Average earning assets | $1,632,733,000 | 386 |
| Average equity | $170,349,000 | 442 |
| Average total loans | $1,083,109,500 | 403 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 3,187 |
| Cost of funding earning assets | 0.7811% | 1,518 |
| Net interest margin | 3.4590% | 3,960 |
| Noninterest income to average assets | 0.7455% | 2,434 |
| Noninterest expense to average assets | 2.3469% | 5,223 |
| Loan and lease loss provision to assets | 0.0686% | 3,672 |
| Net operating income to assets | 1.1258% | 1,833 |
| Return on assets (ROA) | 1.1326% | 1,919 |
| Pretax return on assets | 1.5641% | 1,455 |
| Return on Equity (ROE) | 11.7594% | 1,564 |
| Retained earnings to average equity (ytd only) | 7.0429% | 1,873 |
| Net charge-offs to loans | -0.0032% | 5,574 |
| Credit loss provision to net charge-offs | -3,552.9412% | 6,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3431% | 5,683 |
| Assets per employee ($millions) | 4.6757% | 2,548 |
| Cash dividends to net income (ytd only)* | 40.1083% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 2,717 |
| Loan loss allowance to noncurrent loans | 233.7539% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 4,475 |
| Noncurrent loans to loans | 0.7346% | 4,456 |
| Net loans and leases to total assets | 61.9035% | 3,302 |
| Net loans and leases to deposits | 79.6087% | 2,380 |
| Net loans and leases to core deposits | 87.5225% | 2,170 |
| Total domestic deposits to total assets | 77.7597% | 6,017 |
| Equity capital to assets | 9.7102% | 4,296 |
| Core capital (leverage) ratio | 8.9796% | 5,026 |
| Tier 1 risk-based capital ratio | 11.6667% | 6,016 |
| Total risk-based capital ratio | 12.9187% | 5,966 |
| Memoranda: | ||
| Average total assets | $1,761,033,330 | 395 |
| Average earning assets | $1,641,703,330 | 382 |
| Average equity | $169,617,330 | 447 |
| Average total loans | $1,076,598,000 | 402 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 3,130 |
| Cost of funding earning assets | 0.8030% | 1,509 |
| Net interest margin | 3.4428% | 3,948 |
| Noninterest income to average assets | 0.7685% | 2,258 |
| Noninterest expense to average assets | 2.3605% | 5,237 |
| Loan and lease loss provision to assets | 0.0230% | 4,176 |
| Net operating income to assets | 1.1495% | 1,677 |
| Return on assets (ROA) | 1.1625% | 1,739 |
| Pretax return on assets | 1.6128% | 1,279 |
| Return on Equity (ROE) | 12.1174% | 1,388 |
| Retained earnings to average equity (ytd only) | 2.7295% | 4,648 |
| Net charge-offs to loans | -0.0751% | 6,312 |
| Credit loss provision to net charge-offs | -50.7463% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5715% | 5,772 |
| Assets per employee ($millions) | 4.7932% | 2,495 |
| Cash dividends to net income (ytd only)* | 77.4743% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7158% | 2,943 |
| Loan loss allowance to noncurrent loans | 198.7896% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7955% | 4,380 |
| Noncurrent loans to loans | 0.8631% | 4,397 |
| Net loans and leases to total assets | 59.4094% | 3,535 |
| Net loans and leases to deposits | 76.1666% | 2,612 |
| Net loans and leases to core deposits | 85.6026% | 2,149 |
| Total domestic deposits to total assets | 77.9993% | 6,112 |
| Equity capital to assets | 9.6146% | 4,685 |
| Core capital (leverage) ratio | 8.8658% | 5,100 |
| Tier 1 risk-based capital ratio | 11.6075% | 6,127 |
| Total risk-based capital ratio | 12.8593% | 6,095 |
| Memoranda: | ||
| Average total assets | $1,776,545,000 | 393 |
| Average earning assets | $1,656,342,500 | 385 |
| Average equity | $170,432,000 | 449 |
| Average total loans | $1,070,072,500 | 408 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 2,545 |
| Cost of funding earning assets | 0.9632% | 1,565 |
| Net interest margin | 3.7496% | 3,440 |
| Noninterest income to average assets | 0.9450% | 1,721 |
| Noninterest expense to average assets | 2.7434% | 4,241 |
| Loan and lease loss provision to assets | 0.2141% | 3,004 |
| Net operating income to assets | 1.0774% | 2,019 |
| Return on assets (ROA) | 1.0955% | 2,136 |
| Pretax return on assets | 1.4916% | 1,698 |
| Return on Equity (ROE) | 11.6997% | 1,596 |
| Retained earnings to average equity (ytd only) | 8.2700% | 1,042 |
| Net charge-offs to loans | 0.3258% | 3,018 |
| Credit loss provision to net charge-offs | 108.3013% | 2,722 |
| Earnings coverage of net charge-offs (x) | 8.5046% | 2,397 |
| Efficiency ratio | 61.1629% | 5,368 |
| Assets per employee ($millions) | 4.7204% | 2,619 |
| Cash dividends to net income (ytd only)* | 29.3146% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 2,960 |
| Loan loss allowance to noncurrent loans | 166.3081% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8808% | 4,286 |
| Noncurrent loans to loans | 1.0184% | 4,166 |
| Net loans and leases to total assets | 59.0043% | 3,797 |
| Net loans and leases to deposits | 74.6773% | 2,998 |
| Net loans and leases to core deposits | 84.6531% | 2,472 |
| Total domestic deposits to total assets | 79.0123% | 5,887 |
| Equity capital to assets | 9.5723% | 4,790 |
| Core capital (leverage) ratio | 8.8303% | 5,130 |
| Tier 1 risk-based capital ratio | 11.5170% | 6,089 |
| Total risk-based capital ratio | 12.7686% | 6,056 |
| Memoranda: | ||
| Average total assets | $1,712,643,600 | 401 |
| Average earning assets | $1,589,218,600 | 387 |
| Average equity | $160,362,600 | 467 |
| Average total loans | $1,038,868,600 | 411 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 2,276 |
| Cost of funding earning assets | 0.9911% | 1,615 |
| Net interest margin | 3.8412% | 3,153 |
| Noninterest income to average assets | 0.9897% | 1,534 |
| Noninterest expense to average assets | 2.8778% | 3,679 |
| Loan and lease loss provision to assets | 0.2156% | 2,906 |
| Net operating income to assets | 1.0703% | 2,210 |
| Return on assets (ROA) | 1.0910% | 2,319 |
| Pretax return on assets | 1.4868% | 1,929 |
| Return on Equity (ROE) | 11.7202% | 1,732 |
| Retained earnings to average equity (ytd only) | 7.0750% | 2,083 |
| Net charge-offs to loans | 0.3349% | 2,782 |
| Credit loss provision to net charge-offs | 105.8279% | 2,779 |
| Earnings coverage of net charge-offs (x) | 8.2181% | 2,484 |
| Efficiency ratio | 62.3936% | 5,085 |
| Assets per employee ($millions) | 4.6777% | 2,631 |
| Cash dividends to net income (ytd only)* | 39.6339% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 3,091 |
| Loan loss allowance to noncurrent loans | 153.0941% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9622% | 4,358 |
| Noncurrent loans to loans | 1.1219% | 4,181 |
| Net loans and leases to total assets | 60.1990% | 3,738 |
| Net loans and leases to deposits | 76.9798% | 2,822 |
| Net loans and leases to core deposits | 87.7297% | 2,244 |
| Total domestic deposits to total assets | 78.2010% | 6,034 |
| Equity capital to assets | 9.7475% | 4,856 |
| Core capital (leverage) ratio | 8.8820% | 5,217 |
| Tier 1 risk-based capital ratio | 11.6425% | 6,151 |
| Total risk-based capital ratio | 12.8947% | 6,119 |
| Memoranda: | ||
| Average total assets | $1,695,903,250 | 403 |
| Average earning assets | $1,572,682,250 | 390 |
| Average equity | $157,865,750 | 469 |
| Average total loans | $1,031,552,250 | 413 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 2,239 |
| Cost of funding earning assets | 1.0187% | 1,656 |
| Net interest margin | 3.8488% | 3,140 |
| Noninterest income to average assets | 1.1496% | 1,076 |
| Noninterest expense to average assets | 3.1099% | 2,897 |
| Loan and lease loss provision to assets | 0.2273% | 2,800 |
| Net operating income to assets | 1.0181% | 2,388 |
| Return on assets (ROA) | 1.0489% | 2,483 |
| Pretax return on assets | 1.4221% | 2,124 |
| Return on Equity (ROE) | 11.4494% | 1,837 |
| Retained earnings to average equity (ytd only) | 4.3532% | 3,717 |
| Net charge-offs to loans | 0.3627% | 2,559 |
| Credit loss provision to net charge-offs | 103.2760% | 2,640 |
| Earnings coverage of net charge-offs (x) | 7.3056% | 2,505 |
| Efficiency ratio | 65.1175% | 4,704 |
| Assets per employee ($millions) | 4.5820% | 2,753 |
| Cash dividends to net income (ytd only)* | 61.9788% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 3,106 |
| Loan loss allowance to noncurrent loans | 140.6390% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.0769% | 4,231 |
| Noncurrent loans to loans | 1.2309% | 4,085 |
| Net loans and leases to total assets | 60.0003% | 3,820 |
| Net loans and leases to deposits | 76.4444% | 2,922 |
| Net loans and leases to core deposits | 87.3301% | 2,276 |
| Total domestic deposits to total assets | 78.4889% | 6,058 |
| Equity capital to assets | 9.4920% | 5,076 |
| Core capital (leverage) ratio | 8.4879% | 5,664 |
| Tier 1 risk-based capital ratio | 11.2728% | 6,353 |
| Total risk-based capital ratio | 12.5249% | 6,333 |
| Memoranda: | ||
| Average total assets | $1,692,086,330 | 404 |
| Average earning assets | $1,568,690,330 | 391 |
| Average equity | $155,012,670 | 474 |
| Average total loans | $1,026,812,670 | 414 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0219% | 1,814 |
| Cost of funding earning assets | 1.0477% | 1,694 |
| Net interest margin | 3.9741% | 2,615 |
| Noninterest income to average assets | 0.6650% | 2,838 |
| Noninterest expense to average assets | 2.4259% | 5,387 |
| Loan and lease loss provision to assets | 0.2309% | 2,638 |
| Net operating income to assets | 1.2000% | 1,733 |
| Return on assets (ROA) | 1.2526% | 1,766 |
| Pretax return on assets | 1.7600% | 1,173 |
| Return on Equity (ROE) | 13.9248% | 1,203 |
| Retained earnings to average equity (ytd only) | -0.5227% | 6,082 |
| Net charge-offs to loans | 0.3804% | 2,165 |
| Credit loss provision to net charge-offs | 100.3080% | 2,286 |
| Earnings coverage of net charge-offs (x) | 8.3275% | 1,970 |
| Efficiency ratio | 54.9927% | 6,231 |
| Assets per employee ($millions) | 4.6191% | 2,776 |
| Cash dividends to net income (ytd only)* | 103.7540% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 3,174 |
| Loan loss allowance to noncurrent loans | 117.3452% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 4,078 |
| Noncurrent loans to loans | 1.4886% | 3,887 |
| Net loans and leases to total assets | 58.6253% | 3,934 |
| Net loans and leases to deposits | 74.1937% | 3,097 |
| Net loans and leases to core deposits | 84.8670% | 2,426 |
| Total domestic deposits to total assets | 79.0165% | 6,067 |
| Equity capital to assets | 8.9106% | 5,625 |
| Core capital (leverage) ratio | 8.4258% | 5,706 |
| Tier 1 risk-based capital ratio | 11.0238% | 6,521 |
| Total risk-based capital ratio | 12.2760% | 6,507 |
| Memoranda: | ||
| Average total assets | $1,692,750,000 | 406 |
| Average earning assets | $1,566,432,000 | 392 |
| Average equity | $152,275,500 | 475 |
| Average total loans | $1,024,053,000 | 413 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 3,074 |
| Cost of funding earning assets | 1.2799% | 1,578 |
| Net interest margin | 3.6792% | 4,395 |
| Noninterest income to average assets | 0.7756% | 2,193 |
| Noninterest expense to average assets | 2.4903% | 5,497 |
| Loan and lease loss provision to assets | 0.4154% | 2,514 |
| Net operating income to assets | 0.9313% | 2,481 |
| Return on assets (ROA) | 0.9535% | 2,524 |
| Pretax return on assets | 1.3056% | 2,109 |
| Return on Equity (ROE) | 9.9865% | 2,064 |
| Retained earnings to average equity (ytd only) | -2.0472% | 6,162 |
| Net charge-offs to loans | 0.6180% | 2,601 |
| Credit loss provision to net charge-offs | 108.2070% | 3,118 |
| Earnings coverage of net charge-offs (x) | 4.4044% | 3,126 |
| Efficiency ratio | 58.4669% | 5,994 |
| Assets per employee ($millions) | 4.5309% | 2,861 |
| Cash dividends to net income (ytd only)* | 120.4998% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 3,086 |
| Loan loss allowance to noncurrent loans | 84.6684% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.5434% | 3,635 |
| Noncurrent loans to loans | 2.0455% | 3,146 |
| Net loans and leases to total assets | 60.2790% | 3,939 |
| Net loans and leases to deposits | 77.2550% | 2,960 |
| Net loans and leases to core deposits | 89.0770% | 2,242 |
| Total domestic deposits to total assets | 78.0261% | 6,186 |
| Equity capital to assets | 9.0826% | 5,443 |
| Core capital (leverage) ratio | 8.5375% | 5,498 |
| Tier 1 risk-based capital ratio | 11.0749% | 6,414 |
| Total risk-based capital ratio | 12.3270% | 6,395 |
| Memoranda: | ||
| Average total assets | $1,615,672,000 | 409 |
| Average earning assets | $1,495,439,200 | 397 |
| Average equity | $154,258,200 | 454 |
| Average total loans | $1,003,568,800 | 418 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 2,880 |
| Cost of funding earning assets | 1.3296% | 1,553 |
| Net interest margin | 3.7126% | 4,277 |
| Noninterest income to average assets | 0.7622% | 2,248 |
| Noninterest expense to average assets | 2.4769% | 5,539 |
| Loan and lease loss provision to assets | 0.4242% | 2,348 |
| Net operating income to assets | 0.9398% | 2,570 |
| Return on assets (ROA) | 0.9656% | 2,621 |
| Pretax return on assets | 1.3345% | 2,172 |
| Return on Equity (ROE) | 9.9862% | 2,207 |
| Retained earnings to average equity (ytd only) | -4.9298% | 6,592 |
| Net charge-offs to loans | 0.6144% | 2,408 |
| Credit loss provision to net charge-offs | 110.7920% | 2,971 |
| Earnings coverage of net charge-offs (x) | 4.4998% | 3,056 |
| Efficiency ratio | 57.8748% | 6,032 |
| Assets per employee ($millions) | 4.4720% | 2,964 |
| Cash dividends to net income (ytd only)* | 149.3659% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 3,019 |
| Loan loss allowance to noncurrent loans | 75.2261% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.8187% | 3,368 |
| Noncurrent loans to loans | 2.3640% | 2,936 |
| Net loans and leases to total assets | 60.8869% | 3,966 |
| Net loans and leases to deposits | 77.4408% | 3,094 |
| Net loans and leases to core deposits | 88.5540% | 2,419 |
| Total domestic deposits to total assets | 78.6239% | 6,067 |
| Equity capital to assets | 9.4197% | 5,209 |
| Core capital (leverage) ratio | 8.5427% | 5,651 |
| Tier 1 risk-based capital ratio | 11.2930% | 6,365 |
| Total risk-based capital ratio | 12.5457% | 6,359 |
| Memoranda: | ||
| Average total assets | $1,600,480,000 | 415 |
| Average earning assets | $1,481,952,000 | 399 |
| Average equity | $154,756,750 | 460 |
| Average total loans | $997,373,000 | 426 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 2,470 |
| Cost of funding earning assets | 1.3662% | 1,567 |
| Net interest margin | 3.7826% | 3,876 |
| Noninterest income to average assets | 0.7365% | 2,339 |
| Noninterest expense to average assets | 2.4863% | 5,595 |
| Loan and lease loss provision to assets | 0.4678% | 2,110 |
| Net operating income to assets | 0.9327% | 2,506 |
| Return on assets (ROA) | 0.9403% | 2,574 |
| Pretax return on assets | 1.2978% | 2,144 |
| Return on Equity (ROE) | 9.6408% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.6408% | 928 |
| Net charge-offs to loans | 0.6619% | 2,185 |
| Credit loss provision to net charge-offs | 113.2241% | 2,705 |
| Earnings coverage of net charge-offs (x) | 4.2472% | 2,918 |
| Efficiency ratio | 57.5291% | 6,225 |
| Assets per employee ($millions) | 4.4186% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 3,104 |
| Loan loss allowance to noncurrent loans | 63.4008% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 2.0083% | 3,222 |
| Noncurrent loans to loans | 2.7839% | 2,617 |
| Net loans and leases to total assets | 60.7112% | 4,143 |
| Net loans and leases to deposits | 78.4091% | 3,054 |
| Net loans and leases to core deposits | 87.5923% | 2,688 |
| Total domestic deposits to total assets | 77.4288% | 6,389 |
| Equity capital to assets | 10.0062% | 4,142 |
| Core capital (leverage) ratio | 9.3562% | 4,166 |
| Tier 1 risk-based capital ratio | 12.3309% | 5,493 |
| Total risk-based capital ratio | 13.5835% | 5,473 |
| Memoranda: | ||
| Average total assets | $1,595,837,000 | 424 |
| Average earning assets | $1,478,595,330 | 409 |
| Average equity | $155,651,670 | 461 |
| Average total loans | $996,243,670 | 436 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0150% | 3,036 |
| Cost of funding earning assets | 1.4037% | 1,591 |
| Net interest margin | 3.6114% | 4,520 |
| Noninterest income to average assets | 0.8437% | 1,874 |
| Noninterest expense to average assets | 2.5216% | 5,477 |
| Loan and lease loss provision to assets | 0.4132% | 2,126 |
| Net operating income to assets | 0.9062% | 2,534 |
| Return on assets (ROA) | 0.9062% | 2,597 |
| Pretax return on assets | 1.2538% | 2,186 |
| Return on Equity (ROE) | 9.4159% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.4159% | 1,259 |
| Net charge-offs to loans | 0.5654% | 2,072 |
| Credit loss provision to net charge-offs | 116.4765% | 2,326 |
| Earnings coverage of net charge-offs (x) | 4.6990% | 2,412 |
| Efficiency ratio | 59.0829% | 6,119 |
| Assets per employee ($millions) | 4.4064% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 3,100 |
| Loan loss allowance to noncurrent loans | 52.8072% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.4529% | 2,773 |
| Noncurrent loans to loans | 3.3531% | 2,234 |
| Net loans and leases to total assets | 60.8044% | 4,116 |
| Net loans and leases to deposits | 76.7518% | 3,290 |
| Net loans and leases to core deposits | 85.6493% | 2,933 |
| Total domestic deposits to total assets | 79.2221% | 6,138 |
| Equity capital to assets | 9.6388% | 4,269 |
| Core capital (leverage) ratio | 9.3675% | 4,019 |
| Tier 1 risk-based capital ratio | 11.9658% | 5,727 |
| Total risk-based capital ratio | 13.2182% | 5,712 |
| Memoranda: | ||
| Average total assets | $1,580,738,500 | 434 |
| Average earning assets | $1,464,154,000 | 417 |
| Average equity | $152,125,500 | 466 |
| Average total loans | $991,904,500 | 442 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 3,090 |
| Cost of funding earning assets | 1.5899% | 2,125 |
| Net interest margin | 3.7191% | 4,274 |
| Noninterest income to average assets | 0.7302% | 2,647 |
| Noninterest expense to average assets | 2.6420% | 5,256 |
| Loan and lease loss provision to assets | 0.5485% | 2,944 |
| Net operating income to assets | 0.7092% | 3,197 |
| Return on assets (ROA) | 0.7293% | 3,230 |
| Pretax return on assets | 0.9965% | 2,940 |
| Return on Equity (ROE) | 7.2657% | 2,995 |
| Retained earnings to average equity (ytd only) | 5.9938% | 1,822 |
| Net charge-offs to loans | 0.7097% | 2,884 |
| Credit loss provision to net charge-offs | 116.6828% | 3,675 |
| Earnings coverage of net charge-offs (x) | 3.2280% | 3,461 |
| Efficiency ratio | 62.1829% | 5,699 |
| Assets per employee ($millions) | 4.2910% | 3,228 |
| Cash dividends to net income (ytd only)* | 17.5049% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 3,069 |
| Loan loss allowance to noncurrent loans | 57.2180% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 2.2520% | 3,025 |
| Noncurrent loans to loans | 3.0429% | 2,510 |
| Net loans and leases to total assets | 62.5112% | 4,167 |
| Net loans and leases to deposits | 79.7739% | 3,214 |
| Net loans and leases to core deposits | 89.1901% | 2,871 |
| Total domestic deposits to total assets | 78.3604% | 6,242 |
| Equity capital to assets | 9.6082% | 4,263 |
| Core capital (leverage) ratio | 9.1394% | 4,285 |
| Tier 1 risk-based capital ratio | 11.9581% | 5,514 |
| Total risk-based capital ratio | 13.2107% | 5,489 |
| Memoranda: | ||
| Average total assets | $1,543,044,200 | 443 |
| Average earning assets | $1,422,713,400 | 433 |
| Average equity | $154,892,400 | 441 |
| Average total loans | $1,021,992,400 | 437 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3520% | 3,109 |
| Cost of funding earning assets | 1.6228% | 2,264 |
| Net interest margin | 3.7292% | 4,271 |
| Noninterest income to average assets | 0.6400% | 3,187 |
| Noninterest expense to average assets | 2.6447% | 5,136 |
| Loan and lease loss provision to assets | 0.4874% | 3,035 |
| Net operating income to assets | 0.6909% | 3,458 |
| Return on assets (ROA) | 0.7089% | 3,522 |
| Pretax return on assets | 0.9665% | 3,306 |
| Return on Equity (ROE) | 6.9861% | 3,353 |
| Retained earnings to average equity (ytd only) | 5.3034% | 2,771 |
| Net charge-offs to loans | 0.6119% | 2,908 |
| Credit loss provision to net charge-offs | 119.0769% | 3,476 |
| Earnings coverage of net charge-offs (x) | 3.4914% | 3,423 |
| Efficiency ratio | 63.5627% | 5,332 |
| Assets per employee ($millions) | 4.0921% | 3,657 |
| Cash dividends to net income (ytd only)* | 24.0861% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 3,290 |
| Loan loss allowance to noncurrent loans | 52.1435% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 2.4704% | 2,898 |
| Noncurrent loans to loans | 3.1869% | 2,500 |
| Net loans and leases to total assets | 65.5265% | 3,791 |
| Net loans and leases to deposits | 84.5494% | 2,607 |
| Net loans and leases to core deposits | 92.9563% | 2,666 |
| Total domestic deposits to total assets | 77.5009% | 6,366 |
| Equity capital to assets | 9.8976% | 4,292 |
| Core capital (leverage) ratio | 8.8543% | 4,916 |
| Tier 1 risk-based capital ratio | 11.5760% | 5,856 |
| Total risk-based capital ratio | 12.8282% | 5,844 |
| Memoranda: | ||
| Average total assets | $1,538,319,750 | 442 |
| Average earning assets | $1,416,543,500 | 433 |
| Average equity | $156,096,750 | 435 |
| Average total loans | $1,029,068,250 | 435 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2959% | 3,493 |
| Cost of funding earning assets | 1.6590% | 2,334 |
| Net interest margin | 3.6369% | 4,647 |
| Noninterest income to average assets | 0.6750% | 2,848 |
| Noninterest expense to average assets | 2.6368% | 5,185 |
| Loan and lease loss provision to assets | 0.5216% | 2,701 |
| Net operating income to assets | 0.6399% | 3,679 |
| Return on assets (ROA) | 0.6634% | 3,713 |
| Pretax return on assets | 0.8905% | 3,534 |
| Return on Equity (ROE) | 6.4850% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.4850% | 2,081 |
| Net charge-offs to loans | 0.6107% | 2,700 |
| Credit loss provision to net charge-offs | 127.5008% | 3,154 |
| Earnings coverage of net charge-offs (x) | 3.3754% | 3,353 |
| Efficiency ratio | 64.2578% | 5,284 |
| Assets per employee ($millions) | 4.1616% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 3,231 |
| Loan loss allowance to noncurrent loans | 52.3380% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 3.1326% | 2,260 |
| Noncurrent loans to loans | 3.1662% | 2,528 |
| Net loans and leases to total assets | 64.6564% | 4,116 |
| Net loans and leases to deposits | 83.8167% | 2,905 |
| Net loans and leases to core deposits | 91.4226% | 3,073 |
| Total domestic deposits to total assets | 77.1403% | 6,467 |
| Equity capital to assets | 10.3728% | 3,554 |
| Core capital (leverage) ratio | 9.5541% | 3,738 |
| Tier 1 risk-based capital ratio | 12.3304% | 5,013 |
| Total risk-based capital ratio | 13.5825% | 4,988 |
| Memoranda: | ||
| Average total assets | $1,539,579,670 | 442 |
| Average earning assets | $1,414,984,000 | 434 |
| Average equity | $157,501,330 | 428 |
| Average total loans | $1,031,250,000 | 437 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2109% | 3,961 |
| Cost of funding earning assets | 1.6834% | 2,466 |
| Net interest margin | 3.5276% | 5,046 |
| Noninterest income to average assets | 0.7647% | 2,209 |
| Noninterest expense to average assets | 2.6892% | 4,960 |
| Loan and lease loss provision to assets | 0.5494% | 2,304 |
| Net operating income to assets | 0.5831% | 3,977 |
| Return on assets (ROA) | 0.5847% | 4,109 |
| Pretax return on assets | 0.7667% | 3,999 |
| Return on Equity (ROE) | 5.7558% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.7558% | 2,739 |
| Net charge-offs to loans | 0.5823% | 2,351 |
| Credit loss provision to net charge-offs | 139.5488% | 2,535 |
| Earnings coverage of net charge-offs (x) | 3.3378% | 2,937 |
| Efficiency ratio | 65.7922% | 5,164 |
| Assets per employee ($millions) | 4.0380% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 3,352 |
| Loan loss allowance to noncurrent loans | 47.4022% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 3.2371% | 2,218 |
| Noncurrent loans to loans | 3.4253% | 2,328 |
| Net loans and leases to total assets | 65.8897% | 3,881 |
| Net loans and leases to deposits | 84.3482% | 2,881 |
| Net loans and leases to core deposits | 92.8776% | 2,995 |
| Total domestic deposits to total assets | 78.1163% | 6,287 |
| Equity capital to assets | 10.2500% | 3,534 |
| Core capital (leverage) ratio | 9.5573% | 3,693 |
| Tier 1 risk-based capital ratio | 12.2690% | 4,927 |
| Total risk-based capital ratio | 13.5211% | 4,895 |
| Memoranda: | ||
| Average total assets | $1,531,154,500 | 457 |
| Average earning assets | $1,405,734,000 | 450 |
| Average equity | $155,529,000 | 440 |
| Average total loans | $1,035,230,500 | 455 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5324% | 3,979 |
| Cost of funding earning assets | 1.9619% | 3,142 |
| Net interest margin | 3.5705% | 4,651 |
| Noninterest income to average assets | 0.7926% | 2,442 |
| Noninterest expense to average assets | 2.8124% | 4,923 |
| Loan and lease loss provision to assets | 0.7953% | 2,744 |
| Net operating income to assets | 0.4221% | 4,041 |
| Return on assets (ROA) | 0.3736% | 4,335 |
| Pretax return on assets | 0.4206% | 4,435 |
| Return on Equity (ROE) | 3.9073% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.9073% | 2,480 |
| Net charge-offs to loans | 0.8529% | 2,694 |
| Credit loss provision to net charge-offs | 132.4254% | 3,784 |
| Earnings coverage of net charge-offs (x) | 2.1154% | 4,145 |
| Efficiency ratio | 67.3617% | 5,121 |
| Assets per employee ($millions) | 3.7632% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,509 |
| Loan loss allowance to noncurrent loans | 42.0339% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 3.4971% | 1,923 |
| Noncurrent loans to loans | 3.6712% | 2,048 |
| Net loans and leases to total assets | 67.1946% | 3,879 |
| Net loans and leases to deposits | 86.5343% | 2,818 |
| Net loans and leases to core deposits | 103.5291% | 3,625 |
| Total domestic deposits to total assets | 77.6508% | 6,310 |
| Equity capital to assets | 10.0648% | 3,673 |
| Core capital (leverage) ratio | 9.2322% | 4,076 |
| Tier 1 risk-based capital ratio | 11.6854% | 5,215 |
| Total risk-based capital ratio | 12.9365% | 5,172 |
| Memoranda: | ||
| Average total assets | $1,528,293,800 | 451 |
| Average earning assets | $1,408,255,000 | 447 |
| Average equity | $146,137,200 | 463 |
| Average total loans | $1,076,063,400 | 456 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5410% | 4,209 |
| Cost of funding earning assets | 2.0175% | 3,266 |
| Net interest margin | 3.5235% | 4,766 |
| Noninterest income to average assets | 0.7836% | 2,520 |
| Noninterest expense to average assets | 2.8245% | 4,786 |
| Loan and lease loss provision to assets | 0.7955% | 2,375 |
| Net operating income to assets | 0.3957% | 4,415 |
| Return on assets (ROA) | 0.3250% | 4,804 |
| Pretax return on assets | 0.3420% | 4,953 |
| Return on Equity (ROE) | 3.4445% | 4,600 |
| Retained earnings to average equity (ytd only) | 3.4445% | 3,368 |
| Net charge-offs to loans | 0.8106% | 2,340 |
| Credit loss provision to net charge-offs | 138.3134% | 3,578 |
| Earnings coverage of net charge-offs (x) | 2.1072% | 4,242 |
| Efficiency ratio | 68.4360% | 4,888 |
| Assets per employee ($millions) | 3.6403% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 3,544 |
| Loan loss allowance to noncurrent loans | 34.3872% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 3.9174% | 1,643 |
| Noncurrent loans to loans | 4.3063% | 1,663 |
| Net loans and leases to total assets | 68.3805% | 3,869 |
| Net loans and leases to deposits | 89.7395% | 2,623 |
| Net loans and leases to core deposits | 106.2635% | 3,675 |
| Total domestic deposits to total assets | 76.1988% | 6,549 |
| Equity capital to assets | 10.0720% | 3,996 |
| Core capital (leverage) ratio | 9.0833% | 4,524 |
| Tier 1 risk-based capital ratio | 11.4678% | 5,462 |
| Total risk-based capital ratio | 12.7191% | 5,406 |
| Memoranda: | ||
| Average total assets | $1,528,401,000 | 462 |
| Average earning assets | $1,410,995,500 | 460 |
| Average equity | $144,227,250 | 478 |
| Average total loans | $1,084,395,750 | 466 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 4,426 |
| Cost of funding earning assets | 2.0362% | 3,593 |
| Net interest margin | 3.4972% | 4,809 |
| Noninterest income to average assets | 0.8142% | 2,342 |
| Noninterest expense to average assets | 2.8853% | 4,558 |
| Loan and lease loss provision to assets | 0.7156% | 2,291 |
| Net operating income to assets | 0.3812% | 4,580 |
| Return on assets (ROA) | 0.3813% | 4,682 |
| Pretax return on assets | 0.4426% | 4,823 |
| Return on Equity (ROE) | 4.1327% | 4,438 |
| Retained earnings to average equity (ytd only) | 4.1327% | 2,990 |
| Net charge-offs to loans | 0.5473% | 2,685 |
| Credit loss provision to net charge-offs | 182.9937% | 2,510 |
| Earnings coverage of net charge-offs (x) | 2.9612% | 3,622 |
| Efficiency ratio | 69.8239% | 4,815 |
| Assets per employee ($millions) | 3.6913% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 3,465 |
| Loan loss allowance to noncurrent loans | 33.8564% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 3.6227% | 1,708 |
| Noncurrent loans to loans | 4.2830% | 1,534 |
| Net loans and leases to total assets | 67.7346% | 4,197 |
| Net loans and leases to deposits | 88.0610% | 3,159 |
| Net loans and leases to core deposits | 103.2309% | 4,153 |
| Total domestic deposits to total assets | 76.9178% | 6,345 |
| Equity capital to assets | 9.4827% | 4,630 |
| Core capital (leverage) ratio | 8.9226% | 4,753 |
| Tier 1 risk-based capital ratio | 9.9763% | 6,953 |
| Total risk-based capital ratio | 11.1038% | 7,012 |
| Memoranda: | ||
| Average total assets | $1,530,646,330 | 475 |
| Average earning assets | $1,413,351,670 | 467 |
| Average equity | $141,215,670 | 500 |
| Average total loans | $1,093,807,000 | 479 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6225% | 4,224 |
| Cost of funding earning assets | 1.9378% | 4,450 |
| Net interest margin | 3.6847% | 3,964 |
| Noninterest income to average assets | 0.8019% | 2,312 |
| Noninterest expense to average assets | 2.9745% | 3,877 |
| Loan and lease loss provision to assets | 0.8193% | 1,578 |
| Net operating income to assets | 0.3521% | 5,059 |
| Return on assets (ROA) | 0.3521% | 5,243 |
| Pretax return on assets | 0.4054% | 5,381 |
| Return on Equity (ROE) | 3.8717% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.8717% | 3,735 |
| Net charge-offs to loans | 0.4135% | 2,450 |
| Credit loss provision to net charge-offs | 271.9298% | 1,757 |
| Earnings coverage of net charge-offs (x) | 4.0649% | 2,987 |
| Efficiency ratio | 69.3416% | 4,710 |
| Assets per employee ($millions) | 3.6823% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 3,641 |
| Loan loss allowance to noncurrent loans | 31.3228% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 3.7115% | 1,425 |
| Noncurrent loans to loans | 4.3875% | 1,329 |
| Net loans and leases to total assets | 70.6297% | 3,546 |
| Net loans and leases to deposits | 93.4018% | 2,370 |
| Net loans and leases to core deposits | 108.9956% | 3,562 |
| Total domestic deposits to total assets | 75.6192% | 6,584 |
| Equity capital to assets | 9.5822% | 4,550 |
| Core capital (leverage) ratio | 9.1223% | 4,517 |
| Tier 1 risk-based capital ratio | 10.7423% | 6,150 |
| Total risk-based capital ratio | 11.9387% | 6,110 |
| Memoranda: | ||
| Average total assets | $1,513,407,500 | 481 |
| Average earning assets | $1,395,390,500 | 473 |
| Average equity | $137,615,500 | 505 |
| Average total loans | $1,102,846,000 | 477 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 7,602 |
| Cost of funding earning assets | 2.1988% | 5,605 |
| Net interest margin | 3.0939% | 6,667 |
| Noninterest income to average assets | 0.7826% | 2,607 |
| Noninterest expense to average assets | 4.2625% | 1,086 |
| Loan and lease loss provision to assets | 0.4420% | 3,079 |
| Net operating income to assets | -1.1141% | 7,294 |
| Return on assets (ROA) | -1.5224% | 7,420 |
| Pretax return on assets | -1.5058% | 7,255 |
| Return on Equity (ROE) | -16.5870% | 7,650 |
| Retained earnings to average equity (ytd only) | -20.1506% | 7,681 |
| Net charge-offs to loans | 0.5918% | 2,055 |
| Credit loss provision to net charge-offs | 104.3492% | 5,123 |
| Earnings coverage of net charge-offs (x) | -1.5474% | 6,669 |
| Efficiency ratio | 66.3730% | 5,046 |
| Assets per employee ($millions) | 3.6374% | 4,323 |
| Cash dividends to net income (ytd only)* | -21.4846% | 7,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 4,682 |
| Loan loss allowance to noncurrent loans | 25.9955% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 3.8747% | 1,083 |
| Noncurrent loans to loans | 4.5505% | 1,044 |
| Net loans and leases to total assets | 73.2833% | 3,288 |
| Net loans and leases to deposits | 96.3569% | 2,392 |
| Net loans and leases to core deposits | 111.3757% | 3,627 |
| Total domestic deposits to total assets | 76.0541% | 6,224 |
| Equity capital to assets | 8.5919% | 5,949 |
| Core capital (leverage) ratio | 7.6632% | 6,979 |
| Tier 1 risk-based capital ratio | 9.1082% | 7,709 |
| Total risk-based capital ratio | 10.1436% | 7,878 |
| Memoranda: | ||
| Average total assets | $1,498,122,000 | 467 |
| Average earning assets | $1,367,585,800 | 466 |
| Average equity | $137,499,400 | 512 |
| Average total loans | $1,072,344,600 | 468 |