Home > Premier Bank > Performance and Condition Ratios
Premier 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 | 4.7621% | 2,553 |
| Cost of funding earning assets | 1.8539% | 1,155 |
| Net interest margin | 2.9081% | 3,465 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.8025% | 4,001 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0304% | 2,117 |
| Return on assets (ROA) | 1.0307% | 2,096 |
| Pretax return on assets | 1.2687% | 1,961 |
| Return on Equity (ROE) | 9.1600% | 2,715 |
| Retained earnings to average equity (ytd only) | 6.3999% | 2,094 |
| Net charge-offs to loans | 0.0599% | 1,256 |
| Credit loss provision to net charge-offs | 191.3495% | 1,256 |
| Earnings coverage of net charge-offs (x) | 28.0252% | 1,671 |
| Efficiency ratio | 55.9022% | 3,505 |
| Assets per employee ($millions) | 8.7521% | 1,088 |
| Cash dividends to net income (ytd only)* | 30.1482% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 2,766 |
| Loan loss allowance to noncurrent loans | 206.9122% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 1,289 |
| Noncurrent loans to loans | 0.5381% | 1,448 |
| Net loans and leases to total assets | 78.9800% | 767 |
| Net loans and leases to deposits | 94.6342% | 894 |
| Net loans and leases to core deposits | 107.3549% | 1,058 |
| Total domestic deposits to total assets | 83.4600% | 2,760 |
| Equity capital to assets | 11.8597% | 1,183 |
| Core capital (leverage) ratio | 10.4153% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5220% | 2,057 |
| Memoranda: | ||
| Average total assets | $8,528,055,000 | 178 |
| Average earning assets | $7,697,140,000 | 176 |
| Average equity | $959,372,600 | 171 |
| Average total loans | $6,755,933,400 | 165 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 2,486 |
| Cost of funding earning assets | 1.7443% | 1,103 |
| Net interest margin | 2.9478% | 3,435 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.8137% | 3,953 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0601% | 2,185 |
| Return on assets (ROA) | 1.0604% | 2,168 |
| Pretax return on assets | 1.3052% | 2,028 |
| Return on Equity (ROE) | 9.5600% | 2,782 |
| Retained earnings to average equity (ytd only) | 6.5212% | 2,452 |
| Net charge-offs to loans | 0.0377% | 1,348 |
| Credit loss provision to net charge-offs | 294.3743% | 900 |
| Earnings coverage of net charge-offs (x) | 45.6083% | 1,363 |
| Efficiency ratio | 55.5012% | 3,446 |
| Assets per employee ($millions) | 8.7321% | 1,031 |
| Cash dividends to net income (ytd only)* | 31.7681% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 2,750 |
| Loan loss allowance to noncurrent loans | 188.1359% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 1,207 |
| Noncurrent loans to loans | 0.5964% | 1,345 |
| Net loans and leases to total assets | 79.0300% | 754 |
| Net loans and leases to deposits | 94.8037% | 835 |
| Net loans and leases to core deposits | 108.0733% | 938 |
| Total domestic deposits to total assets | 83.3700% | 2,940 |
| Equity capital to assets | 11.2288% | 1,264 |
| Core capital (leverage) ratio | 10.0993% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8129% | 2,339 |
| Memoranda: | ||
| Average total assets | $8,509,229,250 | 180 |
| Average earning assets | $7,678,488,250 | 178 |
| Average equity | $944,133,250 | 176 |
| Average total loans | $6,726,978,250 | 166 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 2,490 |
| Cost of funding earning assets | 1.5975% | 1,074 |
| Net interest margin | 2.9696% | 3,511 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 1.8242% | 3,952 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.0069% | 2,395 |
| Return on assets (ROA) | 1.0074% | 2,391 |
| Pretax return on assets | 1.2409% | 2,250 |
| Return on Equity (ROE) | 9.1200% | 2,949 |
| Retained earnings to average equity (ytd only) | 6.6681% | 2,390 |
| Net charge-offs to loans | 0.0672% | 884 |
| Credit loss provision to net charge-offs | 238.0614% | 983 |
| Earnings coverage of net charge-offs (x) | 25.3313% | 1,629 |
| Efficiency ratio | 55.9488% | 3,424 |
| Assets per employee ($millions) | 8.4824% | 1,107 |
| Cash dividends to net income (ytd only)* | 26.8541% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 2,894 |
| Loan loss allowance to noncurrent loans | 205.2418% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 1,227 |
| Noncurrent loans to loans | 0.5421% | 1,373 |
| Net loans and leases to total assets | 78.6100% | 771 |
| Net loans and leases to deposits | 95.6948% | 750 |
| Net loans and leases to core deposits | 108.6308% | 885 |
| Total domestic deposits to total assets | 82.1400% | 3,206 |
| Equity capital to assets | 11.3481% | 1,249 |
| Core capital (leverage) ratio | 9.9489% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5054% | 2,462 |
| Memoranda: | ||
| Average total assets | $8,501,876,333 | 173 |
| Average earning assets | $7,672,614,000 | 174 |
| Average equity | $939,522,667 | 170 |
| Average total loans | $6,696,247,333 | 161 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 2,478 |
| Cost of funding earning assets | 1.3896% | 1,043 |
| Net interest margin | 3.0370% | 3,508 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.8904% | 3,867 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.8766% | 2,937 |
| Return on assets (ROA) | 0.8779% | 2,886 |
| Pretax return on assets | 1.0818% | 2,760 |
| Return on Equity (ROE) | 8.0500% | 3,277 |
| Retained earnings to average equity (ytd only) | 3.0661% | 3,489 |
| Net charge-offs to loans | 0.1500% | 459 |
| Credit loss provision to net charge-offs | 158.5846% | 922 |
| Earnings coverage of net charge-offs (x) | 10.6775% | 1,652 |
| Efficiency ratio | 58.3415% | 3,157 |
| Assets per employee ($millions) | 8.2494% | 1,226 |
| Cash dividends to net income (ytd only)* | 61.9312% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,000 |
| Loan loss allowance to noncurrent loans | 216.0543% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 1,268 |
| Noncurrent loans to loans | 0.5137% | 1,440 |
| Net loans and leases to total assets | 77.7300% | 794 |
| Net loans and leases to deposits | 96.9724% | 603 |
| Net loans and leases to core deposits | 103.4798% | 943 |
| Total domestic deposits to total assets | 80.1600% | 3,743 |
| Equity capital to assets | 10.9812% | 1,347 |
| Core capital (leverage) ratio | 9.4952% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7491% | 2,802 |
| Memoranda: | ||
| Average total assets | $8,460,700,500 | 181 |
| Average earning assets | $7,632,082,000 | 180 |
| Average equity | $922,212,000 | 177 |
| Average total loans | $6,632,476,500 | 168 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 1,985 |
| Cost of funding earning assets | 0.4433% | 1,769 |
| Net interest margin | 3.4561% | 2,077 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 1.9235% | 3,780 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.2808% | 1,499 |
| Return on assets (ROA) | 1.2808% | 1,454 |
| Pretax return on assets | 1.5888% | 1,191 |
| Return on Equity (ROE) | 10.8100% | 2,539 |
| Retained earnings to average equity (ytd only) | 4.0256% | 3,388 |
| Net charge-offs to loans | 0.1028% | 722 |
| Credit loss provision to net charge-offs | 203.1357% | 1,112 |
| Earnings coverage of net charge-offs (x) | 22.7116% | 1,830 |
| Efficiency ratio | 50.3339% | 4,111 |
| Assets per employee ($millions) | 7.8214% | 1,429 |
| Cash dividends to net income (ytd only)* | 62.7632% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 2,860 |
| Loan loss allowance to noncurrent loans | 215.2918% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 1,259 |
| Noncurrent loans to loans | 0.5145% | 1,419 |
| Net loans and leases to total assets | 77.3100% | 864 |
| Net loans and leases to deposits | 93.3282% | 824 |
| Net loans and leases to core deposits | 98.7801% | 1,063 |
| Total domestic deposits to total assets | 82.8400% | 3,455 |
| Equity capital to assets | 10.8177% | 1,336 |
| Core capital (leverage) ratio | 9.5511% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6545% | 2,824 |
| Memoranda: | ||
| Average total assets | $7,899,270,800 | 189 |
| Average earning assets | $7,093,760,000 | 190 |
| Average equity | $935,852,800 | 176 |
| Average total loans | $5,986,968,800 | 171 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 1,887 |
| Cost of funding earning assets | 0.2745% | 2,440 |
| Net interest margin | 3.4763% | 1,734 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 1.9128% | 3,724 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.3238% | 1,282 |
| Return on assets (ROA) | 1.3238% | 1,255 |
| Pretax return on assets | 1.6461% | 1,010 |
| Return on Equity (ROE) | 10.9200% | 2,405 |
| Retained earnings to average equity (ytd only) | 2.6409% | 3,878 |
| Net charge-offs to loans | 0.1216% | 521 |
| Credit loss provision to net charge-offs | 178.0845% | 1,039 |
| Earnings coverage of net charge-offs (x) | 20.1818% | 1,709 |
| Efficiency ratio | 49.1426% | 4,211 |
| Assets per employee ($millions) | 7.8195% | 1,416 |
| Cash dividends to net income (ytd only)* | 75.8096% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 2,942 |
| Loan loss allowance to noncurrent loans | 213.1334% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 1,325 |
| Noncurrent loans to loans | 0.5233% | 1,490 |
| Net loans and leases to total assets | 76.5500% | 855 |
| Net loans and leases to deposits | 92.2386% | 754 |
| Net loans and leases to core deposits | 96.7698% | 963 |
| Total domestic deposits to total assets | 82.9900% | 3,693 |
| Equity capital to assets | 10.7210% | 1,283 |
| Core capital (leverage) ratio | 9.3891% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2419% | 3,000 |
| Memoranda: | ||
| Average total assets | $7,772,085,500 | 192 |
| Average earning assets | $6,975,500,750 | 192 |
| Average equity | $942,428,000 | 173 |
| Average total loans | $5,840,390,750 | 168 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6050% | 1,835 |
| Cost of funding earning assets | 0.1587% | 3,471 |
| Net interest margin | 3.4463% | 1,471 |
| Noninterest income to average assets | 0.6308% | 1,615 |
| Noninterest expense to average assets | 1.9226% | 3,651 |
| Loan and lease loss provision to assets | 0.1965% | 426 |
| Net operating income to assets | 1.2884% | 1,169 |
| Return on assets (ROA) | 1.2884% | 1,154 |
| Pretax return on assets | 1.6032% | 932 |
| Return on Equity (ROE) | 10.2035% | 2,266 |
| Retained earnings to average equity (ytd only) | -0.5818% | 4,251 |
| Net charge-offs to loans | 0.1822% | 354 |
| Credit loss provision to net charge-offs | 111.7192% | 1,213 |
| Earnings coverage of net charge-offs (x) | 13.2881% | 1,690 |
| Efficiency ratio | 49.7956% | 4,259 |
| Assets per employee ($millions) | 7.7603% | 1,445 |
| Cash dividends to net income (ytd only)* | 105.7018% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,119 |
| Loan loss allowance to noncurrent loans | 193.1021% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 1,290 |
| Noncurrent loans to loans | 0.5759% | 1,465 |
| Net loans and leases to total assets | 74.9810% | 819 |
| Net loans and leases to deposits | 90.5825% | 682 |
| Net loans and leases to core deposits | 93.9554% | 914 |
| Total domestic deposits to total assets | 82.7764% | 3,903 |
| Equity capital to assets | 11.4298% | 1,052 |
| Core capital (leverage) ratio | 9.6698% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3059% | 2,970 |
| Memoranda: | ||
| Average total assets | $7,636,392,333 | 190 |
| Average earning assets | $6,849,978,667 | 194 |
| Average equity | $964,275,333 | 171 |
| Average total loans | $5,676,611,000 | 168 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 1,463 |
| Cost of funding earning assets | 0.1332% | 3,726 |
| Net interest margin | 3.4816% | 1,125 |
| Noninterest income to average assets | 0.6906% | 1,341 |
| Noninterest expense to average assets | 2.0264% | 3,365 |
| Loan and lease loss provision to assets | 0.0500% | 1,473 |
| Net operating income to assets | 1.4028% | 792 |
| Return on assets (ROA) | 1.4028% | 786 |
| Pretax return on assets | 1.7388% | 634 |
| Return on Equity (ROE) | 10.5756% | 1,769 |
| Retained earnings to average equity (ytd only) | -5.5562% | 4,437 |
| Net charge-offs to loans | -0.0073% | 3,478 |
| Credit loss provision to net charge-offs | -619.8020% | 3,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2318% | 4,239 |
| Assets per employee ($millions) | 7.3760% | 1,758 |
| Cash dividends to net income (ytd only)* | 152.5378% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,792 |
| Loan loss allowance to noncurrent loans | 142.0673% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 952 |
| Noncurrent loans to loans | 0.8537% | 1,095 |
| Net loans and leases to total assets | 72.6768% | 777 |
| Net loans and leases to deposits | 86.0087% | 737 |
| Net loans and leases to core deposits | 87.8934% | 1,023 |
| Total domestic deposits to total assets | 84.4994% | 3,657 |
| Equity capital to assets | 12.6052% | 781 |
| Core capital (leverage) ratio | 9.8794% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8881% | 2,918 |
| Memoranda: | ||
| Average total assets | $7,477,438,000 | 195 |
| Average earning assets | $6,711,003,000 | 201 |
| Average equity | $991,834,500 | 170 |
| Average total loans | $5,499,272,500 | 173 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 2,262 |
| Cost of funding earning assets | 0.2029% | 3,431 |
| Net interest margin | 3.4431% | 1,898 |
| Noninterest income to average assets | 0.7940% | 1,460 |
| Noninterest expense to average assets | 1.9609% | 3,794 |
| Loan and lease loss provision to assets | -0.0953% | 4,519 |
| Net operating income to assets | 1.6284% | 742 |
| Return on assets (ROA) | 1.6524% | 739 |
| Pretax return on assets | 2.0536% | 550 |
| Return on Equity (ROE) | 12.1289% | 1,769 |
| Retained earnings to average equity (ytd only) | 8.6587% | 1,295 |
| Net charge-offs to loans | 0.1595% | 602 |
| Credit loss provision to net charge-offs | -75.8392% | 3,313 |
| Earnings coverage of net charge-offs (x) | 16.0808% | 1,989 |
| Efficiency ratio | 48.3988% | 4,380 |
| Assets per employee ($millions) | 7.2500% | 1,761 |
| Cash dividends to net income (ytd only)* | 28.6111% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,801 |
| Loan loss allowance to noncurrent loans | 138.4346% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 1,004 |
| Noncurrent loans to loans | 0.8797% | 1,155 |
| Net loans and leases to total assets | 72.6250% | 795 |
| Net loans and leases to deposits | 85.1572% | 845 |
| Net loans and leases to core deposits | 87.4025% | 1,116 |
| Total domestic deposits to total assets | 85.2835% | 3,177 |
| Equity capital to assets | 13.9330% | 677 |
| Core capital (leverage) ratio | 10.1602% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6305% | 2,743 |
| Memoranda: | ||
| Average total assets | $7,403,335,800 | 197 |
| Average earning assets | $6,655,506,000 | 198 |
| Average equity | $1,008,584,200 | 172 |
| Average total loans | $5,567,138,800 | 178 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 2,392 |
| Cost of funding earning assets | 0.2183% | 3,438 |
| Net interest margin | 3.4380% | 2,049 |
| Noninterest income to average assets | 0.8184% | 1,469 |
| Noninterest expense to average assets | 1.9145% | 3,910 |
| Loan and lease loss provision to assets | -0.1633% | 4,702 |
| Net operating income to assets | 1.7335% | 765 |
| Return on assets (ROA) | 1.7655% | 755 |
| Pretax return on assets | 2.1973% | 546 |
| Return on Equity (ROE) | 13.0334% | 1,685 |
| Retained earnings to average equity (ytd only) | 10.3725% | 1,202 |
| Net charge-offs to loans | -0.0164% | 3,885 |
| Credit loss provision to net charge-offs | 1,386.2119% | 425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9419% | 4,449 |
| Assets per employee ($millions) | 7.3019% | 1,676 |
| Cash dividends to net income (ytd only)* | 20.4161% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 2,254 |
| Loan loss allowance to noncurrent loans | 122.3035% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8090% | 881 |
| Noncurrent loans to loans | 1.0990% | 1,025 |
| Net loans and leases to total assets | 72.5076% | 823 |
| Net loans and leases to deposits | 85.2240% | 873 |
| Net loans and leases to core deposits | 87.8388% | 1,161 |
| Total domestic deposits to total assets | 85.0788% | 3,088 |
| Equity capital to assets | 13.8922% | 760 |
| Core capital (leverage) ratio | 9.9744% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6159% | 2,825 |
| Memoranda: | ||
| Average total assets | $7,398,181,750 | 197 |
| Average earning assets | $6,649,843,250 | 199 |
| Average equity | $1,002,135,250 | 172 |
| Average total loans | $5,594,394,750 | 179 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6599% | 2,441 |
| Cost of funding earning assets | 0.2327% | 3,446 |
| Net interest margin | 3.4272% | 2,072 |
| Noninterest income to average assets | 0.8335% | 1,444 |
| Noninterest expense to average assets | 1.9100% | 3,938 |
| Loan and lease loss provision to assets | -0.2944% | 4,833 |
| Net operating income to assets | 1.8464% | 654 |
| Return on assets (ROA) | 1.8893% | 629 |
| Pretax return on assets | 2.3538% | 441 |
| Return on Equity (ROE) | 14.0682% | 1,395 |
| Retained earnings to average equity (ytd only) | 14.0682% | 534 |
| Net charge-offs to loans | -0.0153% | 3,867 |
| Credit loss provision to net charge-offs | 2,579.6296% | 235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7097% | 4,482 |
| Assets per employee ($millions) | 7.1357% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,501 |
| Loan loss allowance to noncurrent loans | 172.8182% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 1,519 |
| Noncurrent loans to loans | 0.7445% | 1,605 |
| Net loans and leases to total assets | 72.6599% | 886 |
| Net loans and leases to deposits | 86.3241% | 897 |
| Net loans and leases to core deposits | 89.2774% | 1,186 |
| Total domestic deposits to total assets | 84.1710% | 3,374 |
| Equity capital to assets | 13.6647% | 792 |
| Core capital (leverage) ratio | 9.8083% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6184% | 2,825 |
| Memoranda: | ||
| Average total assets | $7,393,771,000 | 197 |
| Average earning assets | $6,649,399,000 | 199 |
| Average equity | $992,977,333 | 172 |
| Average total loans | $5,643,507,667 | 181 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 2,325 |
| Cost of funding earning assets | 0.2532% | 3,446 |
| Net interest margin | 3.4643% | 1,919 |
| Noninterest income to average assets | 1.0590% | 1,041 |
| Noninterest expense to average assets | 1.9248% | 3,928 |
| Loan and lease loss provision to assets | -0.3803% | 4,892 |
| Net operating income to assets | 2.1008% | 494 |
| Return on assets (ROA) | 2.1233% | 508 |
| Pretax return on assets | 2.6550% | 350 |
| Return on Equity (ROE) | 15.9539% | 1,025 |
| Retained earnings to average equity (ytd only) | 15.9539% | 526 |
| Net charge-offs to loans | -0.0133% | 3,799 |
| Credit loss provision to net charge-offs | 3,975.6614% | 142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1532% | 4,567 |
| Assets per employee ($millions) | 7.2561% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 2,360 |
| Loan loss allowance to noncurrent loans | 151.6370% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 1,433 |
| Noncurrent loans to loans | 0.8687% | 1,554 |
| Net loans and leases to total assets | 74.9271% | 724 |
| Net loans and leases to deposits | 87.2503% | 873 |
| Net loans and leases to core deposits | 90.2640% | 1,215 |
| Total domestic deposits to total assets | 85.8761% | 2,781 |
| Equity capital to assets | 13.2007% | 859 |
| Core capital (leverage) ratio | 9.6005% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4046% | 2,837 |
| Memoranda: | ||
| Average total assets | $7,323,032,000 | 197 |
| Average earning assets | $6,578,857,500 | 201 |
| Average equity | $974,632,000 | 174 |
| Average total loans | $5,692,026,500 | 181 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 1,881 |
| Cost of funding earning assets | 0.5173% | 2,829 |
| Net interest margin | 3.7791% | 1,556 |
| Noninterest income to average assets | 1.0010% | 1,039 |
| Noninterest expense to average assets | 2.4843% | 2,896 |
| Loan and lease loss provision to assets | 0.6950% | 234 |
| Net operating income to assets | 0.9286% | 2,571 |
| Return on assets (ROA) | 0.9465% | 2,646 |
| Pretax return on assets | 1.2135% | 2,283 |
| Return on Equity (ROE) | 7.1242% | 3,161 |
| Retained earnings to average equity (ytd only) | 4.2151% | 2,705 |
| Net charge-offs to loans | 0.0474% | 2,119 |
| Credit loss provision to net charge-offs | 1,820.8439% | 471 |
| Earnings coverage of net charge-offs (x) | 49.4093% | 1,214 |
| Efficiency ratio | 54.6255% | 4,143 |
| Assets per employee ($millions) | 6.9097% | 1,636 |
| Cash dividends to net income (ytd only)* | 40.8344% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,822 |
| Loan loss allowance to noncurrent loans | 158.8154% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 1,430 |
| Noncurrent loans to loans | 0.9052% | 1,561 |
| Net loans and leases to total assets | 78.4594% | 556 |
| Net loans and leases to deposits | 91.6655% | 803 |
| Net loans and leases to core deposits | 94.9880% | 1,183 |
| Total domestic deposits to total assets | 85.5932% | 2,532 |
| Equity capital to assets | 13.4221% | 956 |
| Core capital (leverage) ratio | 9.3563% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7694% | 2,977 |
| Memoranda: | ||
| Average total assets | $6,209,494,400 | 212 |
| Average earning assets | $5,535,800,400 | 218 |
| Average equity | $824,993,400 | 184 |
| Average total loans | $4,999,494,000 | 186 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 1,730 |
| Cost of funding earning assets | 0.5891% | 2,678 |
| Net interest margin | 3.8525% | 1,472 |
| Noninterest income to average assets | 1.0575% | 928 |
| Noninterest expense to average assets | 2.6089% | 2,510 |
| Loan and lease loss provision to assets | 1.1015% | 111 |
| Net operating income to assets | 0.6064% | 3,739 |
| Return on assets (ROA) | 0.6312% | 3,778 |
| Pretax return on assets | 0.8076% | 3,625 |
| Return on Equity (ROE) | 4.7652% | 3,952 |
| Retained earnings to average equity (ytd only) | 0.7176% | 4,331 |
| Net charge-offs to loans | 0.0467% | 1,948 |
| Credit loss provision to net charge-offs | 2,917.8698% | 357 |
| Earnings coverage of net charge-offs (x) | 49.7391% | 1,198 |
| Efficiency ratio | 55.9255% | 3,926 |
| Assets per employee ($millions) | 6.4866% | 1,849 |
| Cash dividends to net income (ytd only)* | 84.9407% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 1,189 |
| Loan loss allowance to noncurrent loans | 183.8648% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 1,662 |
| Noncurrent loans to loans | 0.8521% | 1,733 |
| Net loans and leases to total assets | 80.4110% | 573 |
| Net loans and leases to deposits | 94.6050% | 872 |
| Net loans and leases to core deposits | 97.8817% | 1,314 |
| Total domestic deposits to total assets | 84.9966% | 2,439 |
| Equity capital to assets | 13.4035% | 1,029 |
| Core capital (leverage) ratio | 9.0900% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7920% | 2,966 |
| Memoranda: | ||
| Average total assets | $5,968,791,500 | 218 |
| Average earning assets | $5,312,750,000 | 221 |
| Average equity | $790,572,750 | 188 |
| Average total loans | $4,822,011,000 | 188 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 1,469 |
| Cost of funding earning assets | 0.6677% | 2,577 |
| Net interest margin | 4.0048% | 1,307 |
| Noninterest income to average assets | 0.9583% | 1,058 |
| Noninterest expense to average assets | 2.7289% | 2,295 |
| Loan and lease loss provision to assets | 1.6182% | 70 |
| Net operating income to assets | 0.1189% | 4,664 |
| Return on assets (ROA) | 0.1188% | 4,698 |
| Pretax return on assets | 0.1709% | 4,658 |
| Return on Equity (ROE) | 0.9017% | 4,698 |
| Retained earnings to average equity (ytd only) | -3.4011% | 4,686 |
| Net charge-offs to loans | -0.0707% | 4,769 |
| Credit loss provision to net charge-offs | -2,844.5483% | 3,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1600% | 3,669 |
| Assets per employee ($millions) | 6.4707% | 1,814 |
| Cash dividends to net income (ytd only)* | 477.1846% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 1,060 |
| Loan loss allowance to noncurrent loans | 224.3603% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 2,087 |
| Noncurrent loans to loans | 0.7030% | 2,121 |
| Net loans and leases to total assets | 79.2905% | 685 |
| Net loans and leases to deposits | 94.8837% | 884 |
| Net loans and leases to core deposits | 98.1727% | 1,398 |
| Total domestic deposits to total assets | 83.5660% | 2,899 |
| Equity capital to assets | 13.1104% | 1,116 |
| Core capital (leverage) ratio | 8.7387% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8437% | 3,005 |
| Memoranda: | ||
| Average total assets | $5,642,680,000 | 224 |
| Average earning assets | $5,015,539,000 | 227 |
| Average equity | $743,710,667 | 194 |
| Average total loans | $4,537,624,000 | 199 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 1,099 |
| Cost of funding earning assets | 0.7934% | 2,433 |
| Net interest margin | 4.1420% | 1,049 |
| Noninterest income to average assets | 0.6013% | 2,033 |
| Noninterest expense to average assets | 3.2660% | 1,289 |
| Loan and lease loss provision to assets | 3.5173% | 28 |
| Net operating income to assets | -2.0010% | 5,054 |
| Return on assets (ROA) | -2.0010% | 5,041 |
| Pretax return on assets | -2.5005% | 5,044 |
| Return on Equity (ROE) | -15.1259% | 5,040 |
| Retained earnings to average equity (ytd only) | -15.1259% | 4,900 |
| Net charge-offs to loans | -0.0779% | 4,767 |
| Credit loss provision to net charge-offs | -5,620.7959% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1016% | 1,801 |
| Assets per employee ($millions) | 5.9700% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 954 |
| Loan loss allowance to noncurrent loans | 261.9889% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 2,463 |
| Noncurrent loans to loans | 0.6299% | 2,412 |
| Net loans and leases to total assets | 78.4930% | 905 |
| Net loans and leases to deposits | 101.4510% | 471 |
| Net loans and leases to core deposits | 105.3746% | 1,096 |
| Total domestic deposits to total assets | 77.3704% | 4,312 |
| Equity capital to assets | 13.7742% | 1,133 |
| Core capital (leverage) ratio | 9.3711% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5264% | 3,216 |
| Memoranda: | ||
| Average total assets | $4,979,543,000 | 245 |
| Average earning assets | $4,425,837,500 | 242 |
| Average equity | $658,736,000 | 213 |
| Average total loans | $3,999,298,500 | 216 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7741% | 2,124 |
| Cost of funding earning assets | 0.8115% | 2,627 |
| Net interest margin | 3.9626% | 1,962 |
| Noninterest income to average assets | 0.9285% | 1,122 |
| Noninterest expense to average assets | 2.6149% | 3,134 |
| Loan and lease loss provision to assets | 0.0888% | 2,246 |
| Net operating income to assets | 1.4725% | 1,119 |
| Return on assets (ROA) | 1.4731% | 1,182 |
| Pretax return on assets | 1.8189% | 893 |
| Return on Equity (ROE) | 11.7577% | 1,602 |
| Retained earnings to average equity (ytd only) | 2.9715% | 3,550 |
| Net charge-offs to loans | -0.0003% | 4,134 |
| Credit loss provision to net charge-offs | -41,500.0000% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2186% | 4,059 |
| Assets per employee ($millions) | 5.9103% | 1,701 |
| Cash dividends to net income (ytd only)* | 74.7276% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 2,843 |
| Loan loss allowance to noncurrent loans | 223.7236% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 2,759 |
| Noncurrent loans to loans | 0.4995% | 2,686 |
| Net loans and leases to total assets | 80.3626% | 738 |
| Net loans and leases to deposits | 95.3530% | 1,013 |
| Net loans and leases to core deposits | 99.0262% | 1,646 |
| Total domestic deposits to total assets | 84.2790% | 2,763 |
| Equity capital to assets | 12.1953% | 2,018 |
| Core capital (leverage) ratio | 10.1257% | 3,384 |
| Tier 1 risk-based capital ratio | 11.0319% | 4,847 |
| Total risk-based capital ratio | 12.0600% | 4,831 |
| Memoranda: | ||
| Average total assets | $3,270,380,000 | 302 |
| Average earning assets | $2,965,681,000 | 300 |
| Average equity | $409,729,800 | 285 |
| Average total loans | $2,644,873,600 | 273 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7970% | 2,127 |
| Cost of funding earning assets | 0.8042% | 2,697 |
| Net interest margin | 3.9928% | 1,962 |
| Noninterest income to average assets | 0.8992% | 1,144 |
| Noninterest expense to average assets | 2.6263% | 3,085 |
| Loan and lease loss provision to assets | 0.0752% | 2,386 |
| Net operating income to assets | 1.4727% | 1,264 |
| Return on assets (ROA) | 1.4731% | 1,323 |
| Pretax return on assets | 1.8146% | 1,049 |
| Return on Equity (ROE) | 11.6753% | 1,726 |
| Retained earnings to average equity (ytd only) | 2.6729% | 4,020 |
| Net charge-offs to loans | -0.0050% | 4,203 |
| Credit loss provision to net charge-offs | -1,858.1633% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5481% | 3,995 |
| Assets per employee ($millions) | 5.5750% | 1,960 |
| Cash dividends to net income (ytd only)* | 77.1064% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 2,899 |
| Loan loss allowance to noncurrent loans | 202.4766% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 2,724 |
| Noncurrent loans to loans | 0.5558% | 2,632 |
| Net loans and leases to total assets | 79.9933% | 846 |
| Net loans and leases to deposits | 95.4422% | 1,081 |
| Net loans and leases to core deposits | 99.1058% | 1,733 |
| Total domestic deposits to total assets | 83.8133% | 2,888 |
| Equity capital to assets | 12.5083% | 1,908 |
| Core capital (leverage) ratio | 10.3732% | 3,231 |
| Tier 1 risk-based capital ratio | 11.2123% | 4,817 |
| Total risk-based capital ratio | 12.2381% | 4,800 |
| Memoranda: | ||
| Average total assets | $3,228,019,500 | 306 |
| Average earning assets | $2,923,719,500 | 302 |
| Average equity | $407,288,250 | 287 |
| Average total loans | $2,607,199,000 | 278 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7868% | 2,104 |
| Cost of funding earning assets | 0.7713% | 2,796 |
| Net interest margin | 4.0155% | 1,875 |
| Noninterest income to average assets | 0.8274% | 1,258 |
| Noninterest expense to average assets | 2.6940% | 2,926 |
| Loan and lease loss provision to assets | 0.0309% | 3,202 |
| Net operating income to assets | 1.4163% | 1,387 |
| Return on assets (ROA) | 1.4163% | 1,440 |
| Pretax return on assets | 1.7416% | 1,184 |
| Return on Equity (ROE) | 11.1918% | 1,907 |
| Retained earnings to average equity (ytd only) | 1.3033% | 4,350 |
| Net charge-offs to loans | -0.0084% | 4,272 |
| Credit loss provision to net charge-offs | -453.2110% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6806% | 3,780 |
| Assets per employee ($millions) | 5.5401% | 1,925 |
| Cash dividends to net income (ytd only)* | 88.3548% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,096 |
| Loan loss allowance to noncurrent loans | 185.1184% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 2,613 |
| Noncurrent loans to loans | 0.5923% | 2,495 |
| Net loans and leases to total assets | 80.3884% | 822 |
| Net loans and leases to deposits | 96.8040% | 951 |
| Net loans and leases to core deposits | 100.2554% | 1,700 |
| Total domestic deposits to total assets | 83.0424% | 3,182 |
| Equity capital to assets | 12.5901% | 1,804 |
| Core capital (leverage) ratio | 10.4958% | 3,098 |
| Tier 1 risk-based capital ratio | 11.2875% | 4,794 |
| Total risk-based capital ratio | 12.2878% | 4,809 |
| Memoranda: | ||
| Average total assets | $3,196,449,670 | 308 |
| Average earning assets | $2,896,878,000 | 308 |
| Average equity | $404,512,000 | 287 |
| Average total loans | $2,580,195,670 | 282 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 2,109 |
| Cost of funding earning assets | 0.7354% | 2,858 |
| Net interest margin | 3.9959% | 1,862 |
| Noninterest income to average assets | 0.8086% | 1,278 |
| Noninterest expense to average assets | 2.7377% | 2,784 |
| Loan and lease loss provision to assets | 0.0267% | 3,073 |
| Net operating income to assets | 1.3608% | 1,486 |
| Return on assets (ROA) | 1.3608% | 1,528 |
| Pretax return on assets | 1.6669% | 1,293 |
| Return on Equity (ROE) | 10.7247% | 2,073 |
| Retained earnings to average equity (ytd only) | 2.7724% | 3,829 |
| Net charge-offs to loans | 0.0594% | 1,445 |
| Credit loss provision to net charge-offs | 55.9367% | 1,938 |
| Earnings coverage of net charge-offs (x) | 35.4301% | 1,231 |
| Efficiency ratio | 61.1203% | 3,663 |
| Assets per employee ($millions) | 5.4506% | 2,031 |
| Cash dividends to net income (ytd only)* | 74.1496% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,114 |
| Loan loss allowance to noncurrent loans | 157.6402% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 2,294 |
| Noncurrent loans to loans | 0.6992% | 2,274 |
| Net loans and leases to total assets | 79.2520% | 953 |
| Net loans and leases to deposits | 93.8818% | 1,193 |
| Net loans and leases to core deposits | 97.1665% | 1,844 |
| Total domestic deposits to total assets | 84.4167% | 2,889 |
| Equity capital to assets | 12.7290% | 1,609 |
| Core capital (leverage) ratio | 10.6105% | 2,934 |
| Tier 1 risk-based capital ratio | 11.5635% | 4,711 |
| Total risk-based capital ratio | 12.5625% | 4,744 |
| Memoranda: | ||
| Average total assets | $3,171,433,500 | 311 |
| Average earning assets | $2,875,244,500 | 310 |
| Average equity | $402,400,000 | 290 |
| Average total loans | $2,550,929,000 | 285 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 2,231 |
| Cost of funding earning assets | 0.5542% | 3,022 |
| Net interest margin | 4.0164% | 1,935 |
| Noninterest income to average assets | 0.7973% | 1,454 |
| Noninterest expense to average assets | 2.5809% | 3,392 |
| Loan and lease loss provision to assets | 0.0387% | 3,427 |
| Net operating income to assets | 1.4533% | 1,262 |
| Return on assets (ROA) | 1.4579% | 1,238 |
| Pretax return on assets | 1.8017% | 912 |
| Return on Equity (ROE) | 11.4032% | 1,934 |
| Retained earnings to average equity (ytd only) | 5.7437% | 2,330 |
| Net charge-offs to loans | -0.0194% | 4,691 |
| Credit loss provision to net charge-offs | -249.1525% | 4,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6972% | 4,193 |
| Assets per employee ($millions) | 5.3919% | 2,065 |
| Cash dividends to net income (ytd only)* | 49.6312% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,021 |
| Loan loss allowance to noncurrent loans | 145.7581% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 2,087 |
| Noncurrent loans to loans | 0.7632% | 2,093 |
| Net loans and leases to total assets | 79.8390% | 964 |
| Net loans and leases to deposits | 95.4602% | 1,125 |
| Net loans and leases to core deposits | 98.7761% | 1,809 |
| Total domestic deposits to total assets | 83.6359% | 3,108 |
| Equity capital to assets | 12.6471% | 1,513 |
| Core capital (leverage) ratio | 10.6213% | 2,911 |
| Tier 1 risk-based capital ratio | 11.6832% | 4,630 |
| Total risk-based capital ratio | 12.7095% | 4,648 |
| Memoranda: | ||
| Average total assets | $3,040,510,600 | 317 |
| Average earning assets | $2,739,137,200 | 320 |
| Average equity | $388,723,600 | 290 |
| Average total loans | $2,429,000,400 | 291 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 2,296 |
| Cost of funding earning assets | 0.5152% | 3,096 |
| Net interest margin | 3.9866% | 1,994 |
| Noninterest income to average assets | 0.8451% | 1,341 |
| Noninterest expense to average assets | 2.6527% | 3,116 |
| Loan and lease loss provision to assets | 0.0312% | 3,394 |
| Net operating income to assets | 1.4253% | 1,399 |
| Return on assets (ROA) | 1.4280% | 1,391 |
| Pretax return on assets | 1.7510% | 1,138 |
| Return on Equity (ROE) | 11.1384% | 2,123 |
| Retained earnings to average equity (ytd only) | 6.9953% | 2,128 |
| Net charge-offs to loans | -0.0140% | 4,491 |
| Credit loss provision to net charge-offs | -279.3651% | 4,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0932% | 3,951 |
| Assets per employee ($millions) | 5.3054% | 2,118 |
| Cash dividends to net income (ytd only)* | 37.1966% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 3,077 |
| Loan loss allowance to noncurrent loans | 130.2252% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 1,992 |
| Noncurrent loans to loans | 0.8597% | 1,982 |
| Net loans and leases to total assets | 79.4705% | 1,094 |
| Net loans and leases to deposits | 96.0138% | 1,156 |
| Net loans and leases to core deposits | 99.6624% | 1,821 |
| Total domestic deposits to total assets | 82.7699% | 3,383 |
| Equity capital to assets | 12.8160% | 1,411 |
| Core capital (leverage) ratio | 10.8085% | 2,785 |
| Tier 1 risk-based capital ratio | 11.7888% | 4,609 |
| Total risk-based capital ratio | 12.8076% | 4,646 |
| Memoranda: | ||
| Average total assets | $3,012,076,250 | 321 |
| Average earning assets | $2,709,753,500 | 322 |
| Average equity | $386,174,000 | 287 |
| Average total loans | $2,399,587,750 | 291 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 2,357 |
| Cost of funding earning assets | 0.4737% | 3,200 |
| Net interest margin | 3.9433% | 2,054 |
| Noninterest income to average assets | 0.8395% | 1,351 |
| Noninterest expense to average assets | 2.6918% | 3,042 |
| Loan and lease loss provision to assets | -0.0449% | 5,372 |
| Net operating income to assets | 1.4169% | 1,373 |
| Return on assets (ROA) | 1.4169% | 1,377 |
| Pretax return on assets | 1.7374% | 1,123 |
| Return on Equity (ROE) | 11.0501% | 2,090 |
| Retained earnings to average equity (ytd only) | 6.8799% | 2,126 |
| Net charge-offs to loans | -0.1102% | 5,198 |
| Credit loss provision to net charge-offs | 51.2977% | 2,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6040% | 3,835 |
| Assets per employee ($millions) | 5.1931% | 2,198 |
| Cash dividends to net income (ytd only)* | 37.7394% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 3,049 |
| Loan loss allowance to noncurrent loans | 147.1165% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 2,211 |
| Noncurrent loans to loans | 0.7735% | 2,190 |
| Net loans and leases to total assets | 78.7992% | 1,194 |
| Net loans and leases to deposits | 94.7326% | 1,278 |
| Net loans and leases to core deposits | 97.6076% | 1,916 |
| Total domestic deposits to total assets | 83.1806% | 3,353 |
| Equity capital to assets | 12.8801% | 1,358 |
| Core capital (leverage) ratio | 10.7041% | 2,802 |
| Tier 1 risk-based capital ratio | 11.7712% | 4,639 |
| Total risk-based capital ratio | 12.8015% | 4,652 |
| Memoranda: | ||
| Average total assets | $2,992,157,000 | 320 |
| Average earning assets | $2,689,832,330 | 318 |
| Average equity | $383,670,000 | 285 |
| Average total loans | $2,376,503,330 | 292 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 2,398 |
| Cost of funding earning assets | 0.4389% | 3,298 |
| Net interest margin | 3.8964% | 2,059 |
| Noninterest income to average assets | 0.7624% | 1,580 |
| Noninterest expense to average assets | 2.7202% | 2,974 |
| Loan and lease loss provision to assets | -0.1469% | 5,528 |
| Net operating income to assets | 1.3862% | 1,382 |
| Return on assets (ROA) | 1.3862% | 1,395 |
| Pretax return on assets | 1.6875% | 1,147 |
| Return on Equity (ROE) | 10.8353% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.8353% | 934 |
| Net charge-offs to loans | -0.2840% | 5,440 |
| Credit loss provision to net charge-offs | 65.2174% | 1,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0056% | 3,634 |
| Assets per employee ($millions) | 5.2664% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 3,090 |
| Loan loss allowance to noncurrent loans | 97.0356% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.9858% | 1,593 |
| Noncurrent loans to loans | 1.1859% | 1,545 |
| Net loans and leases to total assets | 78.1666% | 1,214 |
| Net loans and leases to deposits | 93.5821% | 1,268 |
| Net loans and leases to core deposits | 105.6598% | 1,264 |
| Total domestic deposits to total assets | 83.5272% | 3,490 |
| Equity capital to assets | 12.8651% | 1,310 |
| Core capital (leverage) ratio | 10.7382% | 2,700 |
| Tier 1 risk-based capital ratio | 11.6004% | 4,806 |
| Total risk-based capital ratio | 12.6251% | 4,837 |
| Memoranda: | ||
| Average total assets | $2,982,227,000 | 321 |
| Average earning assets | $2,677,673,000 | 318 |
| Average equity | $381,530,000 | 290 |
| Average total loans | $2,364,372,500 | 290 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,337 |
| Cost of funding earning assets | 0.4097% | 3,162 |
| Net interest margin | 3.8884% | 2,121 |
| Noninterest income to average assets | 0.9364% | 1,173 |
| Noninterest expense to average assets | 2.6795% | 3,198 |
| Loan and lease loss provision to assets | 0.1045% | 2,145 |
| Net operating income to assets | 1.0589% | 2,025 |
| Return on assets (ROA) | 1.0724% | 1,989 |
| Pretax return on assets | 1.6489% | 1,162 |
| Return on Equity (ROE) | 8.4932% | 2,550 |
| Retained earnings to average equity (ytd only) | 4.8465% | 2,223 |
| Net charge-offs to loans | 0.0968% | 2,113 |
| Credit loss provision to net charge-offs | 137.1628% | 1,930 |
| Earnings coverage of net charge-offs (x) | 22.7535% | 1,841 |
| Efficiency ratio | 59.9377% | 4,276 |
| Assets per employee ($millions) | 5.3092% | 2,135 |
| Cash dividends to net income (ytd only)* | 42.9369% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,182 |
| Loan loss allowance to noncurrent loans | 86.3500% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.0928% | 1,395 |
| Noncurrent loans to loans | 1.3098% | 1,326 |
| Net loans and leases to total assets | 78.5906% | 1,199 |
| Net loans and leases to deposits | 95.1351% | 1,163 |
| Net loans and leases to core deposits | 105.3501% | 1,314 |
| Total domestic deposits to total assets | 82.6095% | 3,691 |
| Equity capital to assets | 12.7211% | 1,394 |
| Core capital (leverage) ratio | 10.4253% | 2,937 |
| Tier 1 risk-based capital ratio | 11.3331% | 4,961 |
| Total risk-based capital ratio | 12.3460% | 4,972 |
| Memoranda: | ||
| Average total assets | $2,823,340,400 | 318 |
| Average earning assets | $2,523,754,200 | 317 |
| Average equity | $356,484,400 | 288 |
| Average total loans | $2,221,335,400 | 293 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2720% | 2,351 |
| Cost of funding earning assets | 0.4020% | 3,170 |
| Net interest margin | 3.8700% | 2,142 |
| Noninterest income to average assets | 0.9449% | 1,154 |
| Noninterest expense to average assets | 2.7274% | 2,973 |
| Loan and lease loss provision to assets | 0.1260% | 1,720 |
| Net operating income to assets | 1.0172% | 2,485 |
| Return on assets (ROA) | 1.0306% | 2,449 |
| Pretax return on assets | 1.5723% | 1,508 |
| Return on Equity (ROE) | 8.1785% | 3,030 |
| Retained earnings to average equity (ytd only) | 5.1416% | 2,782 |
| Net charge-offs to loans | 0.1328% | 1,465 |
| Credit loss provision to net charge-offs | 120.9826% | 1,995 |
| Earnings coverage of net charge-offs (x) | 16.1060% | 2,184 |
| Efficiency ratio | 61.1397% | 4,024 |
| Assets per employee ($millions) | 5.2244% | 2,200 |
| Cash dividends to net income (ytd only)* | 37.1333% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 3,192 |
| Loan loss allowance to noncurrent loans | 89.8796% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.0254% | 1,647 |
| Noncurrent loans to loans | 1.2808% | 1,495 |
| Net loans and leases to total assets | 77.7284% | 1,311 |
| Net loans and leases to deposits | 95.1055% | 1,192 |
| Net loans and leases to core deposits | 105.9683% | 1,276 |
| Total domestic deposits to total assets | 81.7286% | 3,860 |
| Equity capital to assets | 12.8978% | 1,440 |
| Core capital (leverage) ratio | 10.5134% | 2,975 |
| Tier 1 risk-based capital ratio | 11.4886% | 4,967 |
| Total risk-based capital ratio | 12.5168% | 4,994 |
| Memoranda: | ||
| Average total assets | $2,787,209,000 | 324 |
| Average earning assets | $2,492,314,500 | 320 |
| Average equity | $351,219,000 | 292 |
| Average total loans | $2,186,882,250 | 295 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 2,458 |
| Cost of funding earning assets | 0.3850% | 3,234 |
| Net interest margin | 3.8192% | 2,214 |
| Noninterest income to average assets | 0.9836% | 1,059 |
| Noninterest expense to average assets | 2.8374% | 2,628 |
| Loan and lease loss provision to assets | 0.1582% | 1,261 |
| Net operating income to assets | 0.8930% | 2,945 |
| Return on assets (ROA) | 0.9054% | 2,935 |
| Pretax return on assets | 1.4271% | 1,909 |
| Return on Equity (ROE) | 7.2457% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.2457% | 1,475 |
| Net charge-offs to loans | 0.1989% | 1,014 |
| Credit loss provision to net charge-offs | 101.4479% | 1,988 |
| Earnings coverage of net charge-offs (x) | 10.0425% | 2,376 |
| Efficiency ratio | 63.7342% | 3,717 |
| Assets per employee ($millions) | 5.1737% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,340 |
| Loan loss allowance to noncurrent loans | 82.5555% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.1186% | 1,552 |
| Noncurrent loans to loans | 1.3875% | 1,394 |
| Net loans and leases to total assets | 78.0280% | 1,245 |
| Net loans and leases to deposits | 95.6101% | 1,113 |
| Net loans and leases to core deposits | 107.0172% | 1,159 |
| Total domestic deposits to total assets | 81.6106% | 4,014 |
| Equity capital to assets | 13.0690% | 1,342 |
| Core capital (leverage) ratio | 10.4502% | 2,979 |
| Tier 1 risk-based capital ratio | 11.4735% | 4,969 |
| Total risk-based capital ratio | 12.4884% | 5,006 |
| Memoranda: | ||
| Average total assets | $2,746,276,330 | 329 |
| Average earning assets | $2,458,948,330 | 331 |
| Average equity | $343,182,670 | 301 |
| Average total loans | $2,153,095,670 | 303 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 3,051 |
| Cost of funding earning assets | 0.3611% | 3,400 |
| Net interest margin | 3.6363% | 2,750 |
| Noninterest income to average assets | 1.0550% | 904 |
| Noninterest expense to average assets | 3.1274% | 1,794 |
| Loan and lease loss provision to assets | 0.0080% | 3,452 |
| Net operating income to assets | 0.6535% | 3,918 |
| Return on assets (ROA) | 0.6535% | 3,954 |
| Pretax return on assets | 1.1827% | 2,671 |
| Return on Equity (ROE) | 5.3609% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.3609% | 2,697 |
| Net charge-offs to loans | 0.0360% | 2,067 |
| Credit loss provision to net charge-offs | 28.5714% | 2,121 |
| Earnings coverage of net charge-offs (x) | 42.3122% | 994 |
| Efficiency ratio | 71.8069% | 2,613 |
| Assets per employee ($millions) | 5.1659% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 3,435 |
| Loan loss allowance to noncurrent loans | 163.3302% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 2,968 |
| Noncurrent loans to loans | 0.7017% | 2,740 |
| Net loans and leases to total assets | 76.2317% | 1,376 |
| Net loans and leases to deposits | 93.0018% | 1,226 |
| Net loans and leases to core deposits | 102.6992% | 1,318 |
| Total domestic deposits to total assets | 81.9680% | 4,176 |
| Equity capital to assets | 12.5245% | 1,511 |
| Core capital (leverage) ratio | 9.9117% | 3,612 |
| Tier 1 risk-based capital ratio | 10.9779% | 5,322 |
| Total risk-based capital ratio | 11.9728% | 5,368 |
| Memoranda: | ||
| Average total assets | $2,686,300,500 | 337 |
| Average earning assets | $2,410,664,000 | 338 |
| Average equity | $327,481,000 | 310 |
| Average total loans | $2,098,456,500 | 310 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 2,973 |
| Cost of funding earning assets | 0.3570% | 3,444 |
| Net interest margin | 3.7085% | 2,659 |
| Noninterest income to average assets | 0.9566% | 1,244 |
| Noninterest expense to average assets | 2.6554% | 3,507 |
| Loan and lease loss provision to assets | 0.0119% | 4,138 |
| Net operating income to assets | 1.1286% | 1,783 |
| Return on assets (ROA) | 1.1434% | 1,812 |
| Pretax return on assets | 1.6639% | 1,100 |
| Return on Equity (ROE) | 9.2948% | 2,278 |
| Retained earnings to average equity (ytd only) | 1.7841% | 4,510 |
| Net charge-offs to loans | -0.0116% | 4,976 |
| Credit loss provision to net charge-offs | -129.2237% | 4,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3634% | 4,360 |
| Assets per employee ($millions) | 4.9477% | 2,447 |
| Cash dividends to net income (ytd only)* | 80.8051% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,391 |
| Loan loss allowance to noncurrent loans | 178.1663% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 2,903 |
| Noncurrent loans to loans | 0.7450% | 2,666 |
| Net loans and leases to total assets | 78.2510% | 1,167 |
| Net loans and leases to deposits | 95.6978% | 1,026 |
| Net loans and leases to core deposits | 104.2592% | 1,261 |
| Total domestic deposits to total assets | 81.7689% | 4,136 |
| Equity capital to assets | 11.7954% | 1,936 |
| Core capital (leverage) ratio | 10.1441% | 3,315 |
| Tier 1 risk-based capital ratio | 10.8111% | 5,431 |
| Total risk-based capital ratio | 11.9630% | 5,394 |
| Memoranda: | ||
| Average total assets | $2,381,247,400 | 351 |
| Average earning assets | $2,153,134,800 | 351 |
| Average equity | $292,917,200 | 327 |
| Average total loans | $1,880,244,200 | 318 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,071 |
| Cost of funding earning assets | 0.3534% | 3,502 |
| Net interest margin | 3.6866% | 2,770 |
| Noninterest income to average assets | 0.9707% | 1,211 |
| Noninterest expense to average assets | 2.6615% | 3,462 |
| Loan and lease loss provision to assets | 0.0244% | 3,759 |
| Net operating income to assets | 1.1200% | 1,914 |
| Return on assets (ROA) | 1.1398% | 1,954 |
| Pretax return on assets | 1.6475% | 1,255 |
| Return on Equity (ROE) | 9.1681% | 2,414 |
| Retained earnings to average equity (ytd only) | 3.2652% | 3,950 |
| Net charge-offs to loans | -0.0078% | 4,710 |
| Credit loss provision to net charge-offs | -396.3303% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5748% | 4,300 |
| Assets per employee ($millions) | 4.9158% | 2,471 |
| Cash dividends to net income (ytd only)* | 64.3851% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 2,493 |
| Loan loss allowance to noncurrent loans | 141.4625% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 2,600 |
| Noncurrent loans to loans | 0.9468% | 2,351 |
| Net loans and leases to total assets | 78.4777% | 1,122 |
| Net loans and leases to deposits | 97.9842% | 856 |
| Net loans and leases to core deposits | 106.9369% | 1,114 |
| Total domestic deposits to total assets | 80.0921% | 4,493 |
| Equity capital to assets | 12.1886% | 1,989 |
| Core capital (leverage) ratio | 10.3919% | 3,117 |
| Tier 1 risk-based capital ratio | 11.0843% | 5,327 |
| Total risk-based capital ratio | 12.2591% | 5,275 |
| Memoranda: | ||
| Average total assets | $2,361,803,250 | 353 |
| Average earning assets | $2,135,884,500 | 353 |
| Average equity | $293,633,500 | 327 |
| Average total loans | $1,862,781,750 | 318 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,108 |
| Cost of funding earning assets | 0.3471% | 3,603 |
| Net interest margin | 3.6908% | 2,730 |
| Noninterest income to average assets | 0.9655% | 1,205 |
| Noninterest expense to average assets | 2.6264% | 3,626 |
| Loan and lease loss provision to assets | 0.0357% | 3,441 |
| Net operating income to assets | 1.1338% | 1,835 |
| Return on assets (ROA) | 1.1549% | 1,866 |
| Pretax return on assets | 1.6711% | 1,169 |
| Return on Equity (ROE) | 9.2268% | 2,391 |
| Retained earnings to average equity (ytd only) | 4.4429% | 3,089 |
| Net charge-offs to loans | -0.0162% | 4,866 |
| Credit loss provision to net charge-offs | -279.8658% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7802% | 4,542 |
| Assets per employee ($millions) | 4.7664% | 2,606 |
| Cash dividends to net income (ytd only)* | 51.8480% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 2,364 |
| Loan loss allowance to noncurrent loans | 155.7971% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7402% | 2,761 |
| Noncurrent loans to loans | 0.8885% | 2,513 |
| Net loans and leases to total assets | 77.2585% | 1,294 |
| Net loans and leases to deposits | 95.5033% | 1,131 |
| Net loans and leases to core deposits | 104.3729% | 1,284 |
| Total domestic deposits to total assets | 80.8962% | 4,307 |
| Equity capital to assets | 12.3558% | 1,864 |
| Core capital (leverage) ratio | 10.5083% | 2,964 |
| Tier 1 risk-based capital ratio | 11.5828% | 5,101 |
| Total risk-based capital ratio | 12.8172% | 5,002 |
| Memoranda: | ||
| Average total assets | $2,337,965,330 | 355 |
| Average earning assets | $2,113,921,330 | 357 |
| Average equity | $292,649,000 | 324 |
| Average total loans | $1,838,531,330 | 319 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 3,036 |
| Cost of funding earning assets | 0.3382% | 3,742 |
| Net interest margin | 3.7114% | 2,620 |
| Noninterest income to average assets | 0.9248% | 1,251 |
| Noninterest expense to average assets | 2.6397% | 3,615 |
| Loan and lease loss provision to assets | 0.0630% | 2,691 |
| Net operating income to assets | 1.0913% | 1,939 |
| Return on assets (ROA) | 1.1069% | 1,977 |
| Pretax return on assets | 1.6020% | 1,287 |
| Return on Equity (ROE) | 8.7844% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.7844% | 1,178 |
| Net charge-offs to loans | 0.0171% | 2,592 |
| Credit loss provision to net charge-offs | 466.6667% | 640 |
| Earnings coverage of net charge-offs (x) | 121.6282% | 469 |
| Efficiency ratio | 61.3624% | 4,548 |
| Assets per employee ($millions) | 4.8085% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 2,421 |
| Loan loss allowance to noncurrent loans | 143.6856% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 2,663 |
| Noncurrent loans to loans | 0.9744% | 2,434 |
| Net loans and leases to total assets | 77.1917% | 1,223 |
| Net loans and leases to deposits | 96.0657% | 938 |
| Net loans and leases to core deposits | 103.4791% | 1,225 |
| Total domestic deposits to total assets | 80.3530% | 4,670 |
| Equity capital to assets | 12.5918% | 1,624 |
| Core capital (leverage) ratio | 10.8430% | 2,577 |
| Tier 1 risk-based capital ratio | 11.8662% | 4,998 |
| Total risk-based capital ratio | 13.1162% | 4,908 |
| Memoranda: | ||
| Average total assets | $2,310,577,500 | 355 |
| Average earning assets | $2,090,122,500 | 359 |
| Average equity | $291,152,500 | 325 |
| Average total loans | $1,820,524,500 | 320 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 2,992 |
| Cost of funding earning assets | 0.3112% | 4,125 |
| Net interest margin | 3.7706% | 2,479 |
| Noninterest income to average assets | 0.9561% | 1,303 |
| Noninterest expense to average assets | 2.7272% | 3,492 |
| Loan and lease loss provision to assets | 0.0062% | 4,273 |
| Net operating income to assets | 1.1174% | 1,846 |
| Return on assets (ROA) | 1.1180% | 1,908 |
| Pretax return on assets | 1.6150% | 1,210 |
| Return on Equity (ROE) | 8.5812% | 2,681 |
| Retained earnings to average equity (ytd only) | -1.5180% | 5,715 |
| Net charge-offs to loans | -0.0279% | 5,374 |
| Credit loss provision to net charge-offs | -28.3333% | 5,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3630% | 4,551 |
| Assets per employee ($millions) | 4.6424% | 2,822 |
| Cash dividends to net income (ytd only)* | 117.6900% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 2,403 |
| Loan loss allowance to noncurrent loans | 149.8789% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 2,671 |
| Noncurrent loans to loans | 0.9368% | 2,463 |
| Net loans and leases to total assets | 78.1942% | 1,090 |
| Net loans and leases to deposits | 96.1177% | 996 |
| Net loans and leases to core deposits | 103.5135% | 1,253 |
| Total domestic deposits to total assets | 81.3526% | 4,387 |
| Equity capital to assets | 12.6102% | 1,556 |
| Core capital (leverage) ratio | 10.7231% | 2,687 |
| Tier 1 risk-based capital ratio | 11.6147% | 5,184 |
| Total risk-based capital ratio | 12.8606% | 5,092 |
| Memoranda: | ||
| Average total assets | $2,203,999,600 | 355 |
| Average earning assets | $1,982,314,400 | 358 |
| Average equity | $287,151,000 | 313 |
| Average total loans | $1,721,774,200 | 314 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 3,009 |
| Cost of funding earning assets | 0.3071% | 4,253 |
| Net interest margin | 3.7755% | 2,475 |
| Noninterest income to average assets | 0.9586% | 1,292 |
| Noninterest expense to average assets | 2.7223% | 3,488 |
| Loan and lease loss provision to assets | 0.0057% | 4,152 |
| Net operating income to assets | 1.1198% | 1,923 |
| Return on assets (ROA) | 1.1198% | 1,997 |
| Pretax return on assets | 1.6218% | 1,324 |
| Return on Equity (ROE) | 8.5233% | 2,810 |
| Retained earnings to average equity (ytd only) | -1.6943% | 5,824 |
| Net charge-offs to loans | -0.0274% | 5,317 |
| Credit loss provision to net charge-offs | -26.5714% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1961% | 4,539 |
| Assets per employee ($millions) | 4.5512% | 2,919 |
| Cash dividends to net income (ytd only)* | 119.8780% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 2,374 |
| Loan loss allowance to noncurrent loans | 149.3247% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.9864% | 2,384 |
| Noncurrent loans to loans | 0.9701% | 2,561 |
| Net loans and leases to total assets | 77.5368% | 1,172 |
| Net loans and leases to deposits | 94.8320% | 1,106 |
| Net loans and leases to core deposits | 102.7912% | 1,320 |
| Total domestic deposits to total assets | 81.7622% | 4,238 |
| Equity capital to assets | 13.0334% | 1,425 |
| Core capital (leverage) ratio | 11.0129% | 2,476 |
| Tier 1 risk-based capital ratio | 12.0705% | 5,035 |
| Total risk-based capital ratio | 13.3208% | 4,953 |
| Memoranda: | ||
| Average total assets | $2,185,149,750 | 362 |
| Average earning assets | $1,962,696,500 | 367 |
| Average equity | $287,079,750 | 316 |
| Average total loans | $1,700,282,750 | 323 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 2,981 |
| Cost of funding earning assets | 0.3012% | 4,385 |
| Net interest margin | 3.7766% | 2,418 |
| Noninterest income to average assets | 0.9203% | 1,388 |
| Noninterest expense to average assets | 2.7224% | 3,521 |
| Loan and lease loss provision to assets | 0.0110% | 3,887 |
| Net operating income to assets | 1.0963% | 1,969 |
| Return on assets (ROA) | 1.0963% | 2,063 |
| Pretax return on assets | 1.5760% | 1,402 |
| Return on Equity (ROE) | 8.3222% | 2,882 |
| Retained earnings to average equity (ytd only) | -4.2354% | 5,989 |
| Net charge-offs to loans | -0.0590% | 5,607 |
| Credit loss provision to net charge-offs | -24.0964% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7442% | 4,555 |
| Assets per employee ($millions) | 4.5159% | 2,957 |
| Cash dividends to net income (ytd only)* | 150.8928% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 2,380 |
| Loan loss allowance to noncurrent loans | 149.5111% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.0246% | 2,458 |
| Noncurrent loans to loans | 0.9897% | 2,664 |
| Net loans and leases to total assets | 77.4865% | 1,137 |
| Net loans and leases to deposits | 94.9112% | 1,056 |
| Net loans and leases to core deposits | 102.4580% | 1,297 |
| Total domestic deposits to total assets | 81.6410% | 4,407 |
| Equity capital to assets | 13.0289% | 1,390 |
| Core capital (leverage) ratio | 10.9274% | 2,500 |
| Tier 1 risk-based capital ratio | 12.2450% | 4,973 |
| Total risk-based capital ratio | 13.4959% | 4,876 |
| Memoranda: | ||
| Average total assets | $2,176,235,330 | 363 |
| Average earning assets | $1,952,959,670 | 368 |
| Average equity | $286,678,000 | 320 |
| Average total loans | $1,686,964,000 | 324 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,018 |
| Cost of funding earning assets | 0.2912% | 4,540 |
| Net interest margin | 3.7652% | 2,374 |
| Noninterest income to average assets | 0.8614% | 1,526 |
| Noninterest expense to average assets | 2.6965% | 3,604 |
| Loan and lease loss provision to assets | 0.0221% | 3,424 |
| Net operating income to assets | 1.0583% | 2,003 |
| Return on assets (ROA) | 1.0583% | 2,133 |
| Pretax return on assets | 1.5194% | 1,498 |
| Return on Equity (ROE) | 7.9896% | 2,963 |
| Retained earnings to average equity (ytd only) | -11.4599% | 6,165 |
| Net charge-offs to loans | -0.0995% | 5,856 |
| Credit loss provision to net charge-offs | -28.8462% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0845% | 4,619 |
| Assets per employee ($millions) | 4.6374% | 2,850 |
| Cash dividends to net income (ytd only)* | 243.4359% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 2,469 |
| Loan loss allowance to noncurrent loans | 134.1569% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 2,325 |
| Noncurrent loans to loans | 1.1133% | 2,545 |
| Net loans and leases to total assets | 76.4014% | 1,159 |
| Net loans and leases to deposits | 93.4312% | 1,041 |
| Net loans and leases to core deposits | 100.9264% | 1,260 |
| Total domestic deposits to total assets | 81.7729% | 4,575 |
| Equity capital to assets | 13.0191% | 1,390 |
| Core capital (leverage) ratio | 10.9970% | 2,416 |
| Tier 1 risk-based capital ratio | 12.1593% | 5,143 |
| Total risk-based capital ratio | 13.4102% | 5,047 |
| Memoranda: | ||
| Average total assets | $2,173,760,000 | 362 |
| Average earning assets | $1,949,442,500 | 364 |
| Average equity | $287,924,500 | 315 |
| Average total loans | $1,672,691,500 | 322 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 3,837 |
| Cost of funding earning assets | 0.3110% | 4,672 |
| Net interest margin | 3.6597% | 3,184 |
| Noninterest income to average assets | 0.9676% | 1,296 |
| Noninterest expense to average assets | 2.7361% | 3,731 |
| Loan and lease loss provision to assets | 0.0521% | 3,510 |
| Net operating income to assets | 1.0492% | 2,166 |
| Return on assets (ROA) | 1.0806% | 2,104 |
| Pretax return on assets | 1.5034% | 1,529 |
| Return on Equity (ROE) | 7.9665% | 3,153 |
| Retained earnings to average equity (ytd only) | 0.7386% | 5,433 |
| Net charge-offs to loans | 0.0809% | 3,337 |
| Credit loss provision to net charge-offs | 85.8570% | 2,742 |
| Earnings coverage of net charge-offs (x) | 24.8947% | 1,513 |
| Efficiency ratio | 63.6149% | 4,647 |
| Assets per employee ($millions) | 4.6324% | 2,828 |
| Cash dividends to net income (ytd only)* | 90.7284% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,477 |
| Loan loss allowance to noncurrent loans | 101.5499% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 1,959 |
| Noncurrent loans to loans | 1.4769% | 1,987 |
| Net loans and leases to total assets | 75.1879% | 1,385 |
| Net loans and leases to deposits | 91.6591% | 1,324 |
| Net loans and leases to core deposits | 99.5168% | 1,424 |
| Total domestic deposits to total assets | 82.0300% | 4,410 |
| Equity capital to assets | 13.4740% | 1,172 |
| Core capital (leverage) ratio | 11.3065% | 2,128 |
| Tier 1 risk-based capital ratio | 13.2096% | 4,579 |
| Total risk-based capital ratio | 14.4611% | 4,503 |
| Memoranda: | ||
| Average total assets | $2,142,012,400 | 351 |
| Average earning assets | $1,920,086,000 | 355 |
| Average equity | $290,543,200 | 302 |
| Average total loans | $1,608,985,000 | 313 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 4,044 |
| Cost of funding earning assets | 0.3137% | 4,746 |
| Net interest margin | 3.6184% | 3,354 |
| Noninterest income to average assets | 0.9864% | 1,263 |
| Noninterest expense to average assets | 2.7290% | 3,718 |
| Loan and lease loss provision to assets | 0.0596% | 3,170 |
| Net operating income to assets | 1.0383% | 2,288 |
| Return on assets (ROA) | 1.0801% | 2,176 |
| Pretax return on assets | 1.5000% | 1,647 |
| Return on Equity (ROE) | 7.9495% | 3,240 |
| Retained earnings to average equity (ytd only) | 4.0457% | 3,769 |
| Net charge-offs to loans | 0.1116% | 2,681 |
| Credit loss provision to net charge-offs | 71.3752% | 2,751 |
| Earnings coverage of net charge-offs (x) | 17.9835% | 1,871 |
| Efficiency ratio | 63.7058% | 4,598 |
| Assets per employee ($millions) | 4.5549% | 2,875 |
| Cash dividends to net income (ytd only)* | 49.1074% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 2,734 |
| Loan loss allowance to noncurrent loans | 107.6697% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.3174% | 2,343 |
| Noncurrent loans to loans | 1.3896% | 2,329 |
| Net loans and leases to total assets | 75.7147% | 1,261 |
| Net loans and leases to deposits | 93.0586% | 1,124 |
| Net loans and leases to core deposits | 101.7832% | 1,227 |
| Total domestic deposits to total assets | 81.3624% | 4,709 |
| Equity capital to assets | 13.9188% | 1,035 |
| Core capital (leverage) ratio | 11.7764% | 1,849 |
| Tier 1 risk-based capital ratio | 13.6804% | 4,426 |
| Total risk-based capital ratio | 14.9319% | 4,366 |
| Memoranda: | ||
| Average total assets | $2,136,685,750 | 346 |
| Average earning assets | $1,915,660,250 | 349 |
| Average equity | $290,307,750 | 297 |
| Average total loans | $1,598,401,000 | 311 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 4,192 |
| Cost of funding earning assets | 0.3164% | 4,807 |
| Net interest margin | 3.5695% | 3,488 |
| Noninterest income to average assets | 0.8653% | 1,607 |
| Noninterest expense to average assets | 2.7203% | 3,794 |
| Loan and lease loss provision to assets | 0.0514% | 3,275 |
| Net operating income to assets | 0.9101% | 2,754 |
| Return on assets (ROA) | 0.9409% | 2,697 |
| Pretax return on assets | 1.3371% | 2,128 |
| Return on Equity (ROE) | 6.9821% | 3,632 |
| Retained earnings to average equity (ytd only) | 1.0786% | 5,326 |
| Net charge-offs to loans | 0.1101% | 2,566 |
| Credit loss provision to net charge-offs | 62.9587% | 2,597 |
| Earnings coverage of net charge-offs (x) | 16.4725% | 1,793 |
| Efficiency ratio | 66.0795% | 4,356 |
| Assets per employee ($millions) | 4.5760% | 2,804 |
| Cash dividends to net income (ytd only)* | 84.5519% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 2,665 |
| Loan loss allowance to noncurrent loans | 98.0335% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.4354% | 2,273 |
| Noncurrent loans to loans | 1.5806% | 2,197 |
| Net loans and leases to total assets | 73.2191% | 1,545 |
| Net loans and leases to deposits | 89.1973% | 1,455 |
| Net loans and leases to core deposits | 97.5418% | 1,470 |
| Total domestic deposits to total assets | 82.0867% | 4,611 |
| Equity capital to assets | 13.5643% | 1,134 |
| Core capital (leverage) ratio | 11.4134% | 2,073 |
| Tier 1 risk-based capital ratio | 13.6507% | 4,488 |
| Total risk-based capital ratio | 14.9027% | 4,433 |
| Memoranda: | ||
| Average total assets | $2,136,839,000 | 343 |
| Average earning assets | $1,915,304,670 | 344 |
| Average equity | $287,964,330 | 300 |
| Average total loans | $1,583,866,670 | 309 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 4,290 |
| Cost of funding earning assets | 0.3197% | 4,860 |
| Net interest margin | 3.5305% | 3,570 |
| Noninterest income to average assets | 0.8053% | 1,729 |
| Noninterest expense to average assets | 2.7608% | 3,712 |
| Loan and lease loss provision to assets | 0.0193% | 3,576 |
| Net operating income to assets | 0.8306% | 3,000 |
| Return on assets (ROA) | 0.8306% | 3,074 |
| Pretax return on assets | 1.1926% | 2,510 |
| Return on Equity (ROE) | 6.1837% | 3,920 |
| Retained earnings to average equity (ytd only) | 2.0027% | 4,804 |
| Net charge-offs to loans | 0.0683% | 2,468 |
| Credit loss provision to net charge-offs | 38.1481% | 2,314 |
| Earnings coverage of net charge-offs (x) | 23.9778% | 1,203 |
| Efficiency ratio | 68.6033% | 4,079 |
| Assets per employee ($millions) | 4.6698% | 2,703 |
| Cash dividends to net income (ytd only)* | 67.6133% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 2,806 |
| Loan loss allowance to noncurrent loans | 89.6311% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.5678% | 2,252 |
| Noncurrent loans to loans | 1.7581% | 2,198 |
| Net loans and leases to total assets | 72.0601% | 1,569 |
| Net loans and leases to deposits | 87.4838% | 1,422 |
| Net loans and leases to core deposits | 95.5622% | 1,417 |
| Total domestic deposits to total assets | 82.3697% | 4,828 |
| Equity capital to assets | 13.4170% | 1,131 |
| Core capital (leverage) ratio | 11.3209% | 2,115 |
| Tier 1 risk-based capital ratio | 13.7740% | 4,485 |
| Total risk-based capital ratio | 15.0264% | 4,444 |
| Memoranda: | ||
| Average total assets | $2,136,766,500 | 343 |
| Average earning assets | $1,917,007,500 | 346 |
| Average equity | $287,013,000 | 297 |
| Average total loans | $1,581,146,000 | 311 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 3,839 |
| Cost of funding earning assets | 0.3581% | 5,066 |
| Net interest margin | 3.7141% | 3,002 |
| Noninterest income to average assets | 1.0104% | 1,373 |
| Noninterest expense to average assets | 2.7466% | 3,922 |
| Loan and lease loss provision to assets | 0.0888% | 3,336 |
| Net operating income to assets | 1.0432% | 2,142 |
| Return on assets (ROA) | 1.0350% | 2,249 |
| Pretax return on assets | 1.4787% | 1,511 |
| Return on Equity (ROE) | 7.6359% | 3,228 |
| Retained earnings to average equity (ytd only) | 6.5589% | 1,648 |
| Net charge-offs to loans | 0.2296% | 2,624 |
| Credit loss provision to net charge-offs | 50.8787% | 3,790 |
| Earnings coverage of net charge-offs (x) | 9.0524% | 2,563 |
| Efficiency ratio | 62.5575% | 5,116 |
| Assets per employee ($millions) | 4.6005% | 2,717 |
| Cash dividends to net income (ytd only)* | 14.1037% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 2,886 |
| Loan loss allowance to noncurrent loans | 86.7163% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.6294% | 2,274 |
| Noncurrent loans to loans | 1.8101% | 2,223 |
| Net loans and leases to total assets | 73.6149% | 1,419 |
| Net loans and leases to deposits | 89.4495% | 1,286 |
| Net loans and leases to core deposits | 97.5913% | 1,341 |
| Total domestic deposits to total assets | 82.2978% | 4,767 |
| Equity capital to assets | 13.4474% | 1,088 |
| Core capital (leverage) ratio | 11.3620% | 2,066 |
| Tier 1 risk-based capital ratio | 13.3885% | 4,725 |
| Total risk-based capital ratio | 14.6406% | 4,673 |
| Memoranda: | ||
| Average total assets | $2,055,156,000 | 347 |
| Average earning assets | $1,834,457,000 | 350 |
| Average equity | $278,567,200 | 295 |
| Average total loans | $1,561,360,400 | 301 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 3,720 |
| Cost of funding earning assets | 0.3662% | 5,133 |
| Net interest margin | 3.7433% | 2,871 |
| Noninterest income to average assets | 1.0829% | 1,250 |
| Noninterest expense to average assets | 2.7979% | 3,672 |
| Loan and lease loss provision to assets | 0.0883% | 3,296 |
| Net operating income to assets | 1.0658% | 2,131 |
| Return on assets (ROA) | 1.0702% | 2,202 |
| Pretax return on assets | 1.5399% | 1,499 |
| Return on Equity (ROE) | 7.8792% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.8792% | 1,464 |
| Net charge-offs to loans | 0.1798% | 2,785 |
| Credit loss provision to net charge-offs | 64.3607% | 3,196 |
| Earnings coverage of net charge-offs (x) | 11.8249% | 2,197 |
| Efficiency ratio | 62.3653% | 5,085 |
| Assets per employee ($millions) | 4.4336% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 2,802 |
| Loan loss allowance to noncurrent loans | 84.2003% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.7787% | 2,304 |
| Noncurrent loans to loans | 1.9583% | 2,298 |
| Net loans and leases to total assets | 75.7730% | 1,036 |
| Net loans and leases to deposits | 92.6640% | 930 |
| Net loans and leases to core deposits | 99.7106% | 1,138 |
| Total domestic deposits to total assets | 81.7718% | 5,003 |
| Equity capital to assets | 13.8695% | 1,001 |
| Core capital (leverage) ratio | 11.7098% | 1,883 |
| Tier 1 risk-based capital ratio | 13.4710% | 4,775 |
| Total risk-based capital ratio | 14.7241% | 4,727 |
| Memoranda: | ||
| Average total assets | $2,037,593,000 | 349 |
| Average earning assets | $1,816,377,500 | 354 |
| Average equity | $276,755,750 | 294 |
| Average total loans | $1,554,308,500 | 304 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 3,761 |
| Cost of funding earning assets | 0.3811% | 5,123 |
| Net interest margin | 3.7111% | 2,914 |
| Noninterest income to average assets | 1.1247% | 1,207 |
| Noninterest expense to average assets | 2.8299% | 3,573 |
| Loan and lease loss provision to assets | 0.0858% | 3,369 |
| Net operating income to assets | 1.0655% | 2,055 |
| Return on assets (ROA) | 1.0722% | 2,143 |
| Pretax return on assets | 1.5288% | 1,537 |
| Return on Equity (ROE) | 7.9500% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.9500% | 1,506 |
| Net charge-offs to loans | 0.1698% | 2,762 |
| Credit loss provision to net charge-offs | 66.4384% | 2,906 |
| Earnings coverage of net charge-offs (x) | 12.4315% | 1,980 |
| Efficiency ratio | 62.8390% | 5,043 |
| Assets per employee ($millions) | 4.3742% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 2,919 |
| Loan loss allowance to noncurrent loans | 90.6831% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.7312% | 2,514 |
| Noncurrent loans to loans | 1.8364% | 2,587 |
| Net loans and leases to total assets | 75.6139% | 1,029 |
| Net loans and leases to deposits | 94.0731% | 805 |
| Net loans and leases to core deposits | 99.6689% | 1,106 |
| Total domestic deposits to total assets | 80.3778% | 5,517 |
| Equity capital to assets | 13.5408% | 1,113 |
| Core capital (leverage) ratio | 11.3717% | 2,040 |
| Tier 1 risk-based capital ratio | 13.1856% | 4,999 |
| Total risk-based capital ratio | 14.4390% | 4,938 |
| Memoranda: | ||
| Average total assets | $2,035,499,000 | 349 |
| Average earning assets | $1,815,559,330 | 353 |
| Average equity | $274,516,000 | 296 |
| Average total loans | $1,547,521,330 | 302 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 3,806 |
| Cost of funding earning assets | 0.3973% | 5,130 |
| Net interest margin | 3.6826% | 2,935 |
| Noninterest income to average assets | 1.1853% | 1,068 |
| Noninterest expense to average assets | 2.9988% | 2,995 |
| Loan and lease loss provision to assets | 0.0838% | 3,254 |
| Net operating income to assets | 0.9781% | 2,330 |
| Return on assets (ROA) | 0.9854% | 2,414 |
| Pretax return on assets | 1.3992% | 1,856 |
| Return on Equity (ROE) | 7.3219% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.3219% | 2,019 |
| Net charge-offs to loans | 0.1767% | 2,333 |
| Credit loss provision to net charge-offs | 62.7770% | 2,397 |
| Earnings coverage of net charge-offs (x) | 11.0251% | 1,687 |
| Efficiency ratio | 66.0563% | 4,650 |
| Assets per employee ($millions) | 4.3340% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 2,825 |
| Loan loss allowance to noncurrent loans | 74.5765% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.9657% | 2,386 |
| Noncurrent loans to loans | 2.3376% | 2,236 |
| Net loans and leases to total assets | 73.6821% | 1,121 |
| Net loans and leases to deposits | 89.3512% | 1,018 |
| Net loans and leases to core deposits | 94.4724% | 1,311 |
| Total domestic deposits to total assets | 82.4635% | 5,036 |
| Equity capital to assets | 13.6028% | 1,177 |
| Core capital (leverage) ratio | 11.2408% | 2,062 |
| Tier 1 risk-based capital ratio | 13.2679% | 5,040 |
| Total risk-based capital ratio | 14.5220% | 4,985 |
| Memoranda: | ||
| Average total assets | $2,027,508,500 | 357 |
| Average earning assets | $1,809,175,000 | 355 |
| Average equity | $272,880,500 | 301 |
| Average total loans | $1,532,545,000 | 307 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 3,877 |
| Cost of funding earning assets | 0.5943% | 4,405 |
| Net interest margin | 3.7905% | 3,268 |
| Noninterest income to average assets | 1.1275% | 1,227 |
| Noninterest expense to average assets | 2.7727% | 4,133 |
| Loan and lease loss provision to assets | 0.5302% | 1,091 |
| Net operating income to assets | 0.8539% | 3,021 |
| Return on assets (ROA) | 0.9265% | 2,915 |
| Pretax return on assets | 1.3226% | 2,312 |
| Return on Equity (ROE) | 6.9229% | 3,686 |
| Retained earnings to average equity (ytd only) | -6.4956% | 6,504 |
| Net charge-offs to loans | 1.1536% | 891 |
| Credit loss provision to net charge-offs | 62.5408% | 4,382 |
| Earnings coverage of net charge-offs (x) | 2.0633% | 4,381 |
| Efficiency ratio | 60.2756% | 5,499 |
| Assets per employee ($millions) | 4.3772% | 3,198 |
| Cash dividends to net income (ytd only)* | 193.8289% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 2,830 |
| Loan loss allowance to noncurrent loans | 81.0259% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.8105% | 2,702 |
| Noncurrent loans to loans | 2.1305% | 2,549 |
| Net loans and leases to total assets | 74.8686% | 1,069 |
| Net loans and leases to deposits | 90.4285% | 1,039 |
| Net loans and leases to core deposits | 95.8166% | 1,318 |
| Total domestic deposits to total assets | 82.7931% | 4,803 |
| Equity capital to assets | 13.3156% | 1,303 |
| Core capital (leverage) ratio | 10.9199% | 2,319 |
| Tier 1 risk-based capital ratio | 12.7414% | 5,302 |
| Total risk-based capital ratio | 13.9954% | 5,234 |
| Memoranda: | ||
| Average total assets | $2,060,366,800 | 346 |
| Average earning assets | $1,845,049,600 | 342 |
| Average equity | $275,738,800 | 293 |
| Average total loans | $1,514,089,600 | 307 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 4,006 |
| Cost of funding earning assets | 0.6424% | 4,263 |
| Net interest margin | 3.7670% | 3,480 |
| Noninterest income to average assets | 1.0882% | 1,273 |
| Noninterest expense to average assets | 2.6969% | 4,378 |
| Loan and lease loss provision to assets | 0.5355% | 1,104 |
| Net operating income to assets | 0.8662% | 3,150 |
| Return on assets (ROA) | 0.8900% | 3,269 |
| Pretax return on assets | 1.2691% | 2,713 |
| Return on Equity (ROE) | 6.6424% | 3,994 |
| Retained earnings to average equity (ytd only) | -11.1630% | 6,844 |
| Net charge-offs to loans | 1.3502% | 682 |
| Credit loss provision to net charge-offs | 54.4626% | 4,291 |
| Earnings coverage of net charge-offs (x) | 1.8006% | 4,364 |
| Efficiency ratio | 59.3112% | 5,611 |
| Assets per employee ($millions) | 4.3580% | 3,152 |
| Cash dividends to net income (ytd only)* | 268.0577% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 3,049 |
| Loan loss allowance to noncurrent loans | 68.9700% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 2.0093% | 2,621 |
| Noncurrent loans to loans | 2.5025% | 2,292 |
| Net loans and leases to total assets | 73.4481% | 1,328 |
| Net loans and leases to deposits | 92.3459% | 937 |
| Net loans and leases to core deposits | 97.6652% | 1,288 |
| Total domestic deposits to total assets | 79.5358% | 5,762 |
| Equity capital to assets | 13.0830% | 1,556 |
| Core capital (leverage) ratio | 10.6104% | 2,789 |
| Tier 1 risk-based capital ratio | 12.5056% | 5,636 |
| Total risk-based capital ratio | 13.7595% | 5,592 |
| Memoranda: | ||
| Average total assets | $2,067,699,000 | 344 |
| Average earning assets | $1,854,858,000 | 342 |
| Average equity | $277,062,500 | 291 |
| Average total loans | $1,505,781,750 | 309 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 4,087 |
| Cost of funding earning assets | 0.6635% | 4,336 |
| Net interest margin | 3.7610% | 3,534 |
| Noninterest income to average assets | 1.0761% | 1,237 |
| Noninterest expense to average assets | 2.6299% | 4,683 |
| Loan and lease loss provision to assets | 0.7319% | 717 |
| Net operating income to assets | 0.7682% | 3,521 |
| Return on assets (ROA) | 0.7969% | 3,659 |
| Pretax return on assets | 1.1314% | 3,187 |
| Return on Equity (ROE) | 5.9015% | 4,365 |
| Retained earnings to average equity (ytd only) | -19.3703% | 7,007 |
| Net charge-offs to loans | 1.9266% | 445 |
| Credit loss provision to net charge-offs | 52.6166% | 3,982 |
| Earnings coverage of net charge-offs (x) | 1.3101% | 4,348 |
| Efficiency ratio | 58.0030% | 5,876 |
| Assets per employee ($millions) | 4.3385% | 3,189 |
| Cash dividends to net income (ytd only)* | 428.2262% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 3,049 |
| Loan loss allowance to noncurrent loans | 62.6177% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 2.2267% | 2,515 |
| Noncurrent loans to loans | 2.7861% | 2,151 |
| Net loans and leases to total assets | 72.4796% | 1,473 |
| Net loans and leases to deposits | 90.5023% | 1,097 |
| Net loans and leases to core deposits | 95.2365% | 1,492 |
| Total domestic deposits to total assets | 80.0859% | 5,719 |
| Equity capital to assets | 12.7457% | 1,662 |
| Core capital (leverage) ratio | 10.3232% | 3,018 |
| Tier 1 risk-based capital ratio | 12.3148% | 5,713 |
| Total risk-based capital ratio | 13.5690% | 5,684 |
| Memoranda: | ||
| Average total assets | $2,077,076,670 | 344 |
| Average earning assets | $1,864,544,000 | 341 |
| Average equity | $280,471,000 | 287 |
| Average total loans | $1,499,598,330 | 308 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 4,241 |
| Cost of funding earning assets | 0.6865% | 4,396 |
| Net interest margin | 3.7330% | 3,680 |
| Noninterest income to average assets | 1.1099% | 1,148 |
| Noninterest expense to average assets | 2.6775% | 4,515 |
| Loan and lease loss provision to assets | 0.6706% | 797 |
| Net operating income to assets | 0.7941% | 3,402 |
| Return on assets (ROA) | 0.8000% | 3,612 |
| Pretax return on assets | 1.1258% | 3,216 |
| Return on Equity (ROE) | 5.7655% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.7655% | 3,102 |
| Net charge-offs to loans | 2.1237% | 429 |
| Credit loss provision to net charge-offs | 44.2075% | 3,375 |
| Earnings coverage of net charge-offs (x) | 1.1788% | 3,746 |
| Efficiency ratio | 58.8606% | 5,792 |
| Assets per employee ($millions) | 5.2234% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 2,551 |
| Loan loss allowance to noncurrent loans | 63.5943% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.2921% | 2,595 |
| Noncurrent loans to loans | 3.0528% | 2,108 |
| Net loans and leases to total assets | 68.5031% | 2,022 |
| Net loans and leases to deposits | 86.4182% | 1,372 |
| Net loans and leases to core deposits | 91.0024% | 1,750 |
| Total domestic deposits to total assets | 79.2693% | 6,020 |
| Equity capital to assets | 13.7369% | 1,125 |
| Core capital (leverage) ratio | 11.4364% | 1,936 |
| Tier 1 risk-based capital ratio | 14.4247% | 4,168 |
| Total risk-based capital ratio | 15.6810% | 4,125 |
| Memoranda: | ||
| Average total assets | $2,089,565,000 | 339 |
| Average earning assets | $1,878,377,500 | 341 |
| Average equity | $289,929,500 | 273 |
| Average total loans | $1,492,516,500 | 306 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 3,806 |
| Cost of funding earning assets | 0.8717% | 4,314 |
| Net interest margin | 3.9288% | 3,213 |
| Noninterest income to average assets | 0.8309% | 1,925 |
| Noninterest expense to average assets | 2.5963% | 5,109 |
| Loan and lease loss provision to assets | 0.6087% | 1,697 |
| Net operating income to assets | 0.7947% | 3,060 |
| Return on assets (ROA) | 0.8021% | 3,196 |
| Pretax return on assets | 1.1470% | 2,666 |
| Return on Equity (ROE) | 5.9128% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.9128% | 2,067 |
| Net charge-offs to loans | 0.8084% | 2,137 |
| Credit loss provision to net charge-offs | 103.7550% | 3,327 |
| Earnings coverage of net charge-offs (x) | 2.9743% | 3,721 |
| Efficiency ratio | 58.5764% | 5,966 |
| Assets per employee ($millions) | 4.3044% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2171% | 1,773 |
| Loan loss allowance to noncurrent loans | 84.5555% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.0912% | 2,852 |
| Noncurrent loans to loans | 2.6221% | 2,490 |
| Net loans and leases to total assets | 71.4308% | 1,741 |
| Net loans and leases to deposits | 91.0672% | 1,043 |
| Net loans and leases to core deposits | 95.8846% | 1,502 |
| Total domestic deposits to total assets | 78.4375% | 6,106 |
| Equity capital to assets | 14.0182% | 1,052 |
| Core capital (leverage) ratio | 11.6246% | 1,805 |
| Tier 1 risk-based capital ratio | 14.1567% | 4,211 |
| Total risk-based capital ratio | 15.4163% | 4,153 |
| Memoranda: | ||
| Average total assets | $2,042,546,400 | 340 |
| Average earning assets | $1,825,039,200 | 340 |
| Average equity | $277,093,800 | 278 |
| Average total loans | $1,482,460,600 | 304 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8491% | 3,787 |
| Cost of funding earning assets | 0.9145% | 4,306 |
| Net interest margin | 3.9347% | 3,210 |
| Noninterest income to average assets | 0.7843% | 2,122 |
| Noninterest expense to average assets | 2.6154% | 5,021 |
| Loan and lease loss provision to assets | 0.5448% | 1,806 |
| Net operating income to assets | 0.7885% | 3,222 |
| Return on assets (ROA) | 0.7907% | 3,376 |
| Pretax return on assets | 1.1389% | 2,861 |
| Return on Equity (ROE) | 5.8776% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.8776% | 2,633 |
| Net charge-offs to loans | 1.1660% | 1,352 |
| Credit loss provision to net charge-offs | 64.4824% | 4,653 |
| Earnings coverage of net charge-offs (x) | 1.9891% | 4,159 |
| Efficiency ratio | 59.6324% | 5,779 |
| Assets per employee ($millions) | 4.3613% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9286% | 2,540 |
| Loan loss allowance to noncurrent loans | 73.4752% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 2.1649% | 2,947 |
| Noncurrent loans to loans | 2.6248% | 2,646 |
| Net loans and leases to total assets | 70.2891% | 2,023 |
| Net loans and leases to deposits | 89.3952% | 1,279 |
| Net loans and leases to core deposits | 93.6303% | 1,821 |
| Total domestic deposits to total assets | 78.6275% | 6,064 |
| Equity capital to assets | 13.8971% | 1,199 |
| Core capital (leverage) ratio | 11.4591% | 2,056 |
| Tier 1 risk-based capital ratio | 14.0860% | 4,290 |
| Total risk-based capital ratio | 15.3421% | 4,257 |
| Memoranda: | ||
| Average total assets | $2,039,881,250 | 341 |
| Average earning assets | $1,820,563,250 | 345 |
| Average equity | $274,411,500 | 281 |
| Average total loans | $1,478,106,500 | 307 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 3,692 |
| Cost of funding earning assets | 0.9680% | 4,187 |
| Net interest margin | 3.9166% | 3,234 |
| Noninterest income to average assets | 0.7616% | 2,200 |
| Noninterest expense to average assets | 2.6600% | 4,967 |
| Loan and lease loss provision to assets | 0.5137% | 1,910 |
| Net operating income to assets | 0.7572% | 3,255 |
| Return on assets (ROA) | 0.7605% | 3,375 |
| Pretax return on assets | 1.0846% | 2,917 |
| Return on Equity (ROE) | 5.7163% | 4,102 |
| Retained earnings to average equity (ytd only) | 5.7163% | 2,583 |
| Net charge-offs to loans | 1.3870% | 1,093 |
| Credit loss provision to net charge-offs | 50.9236% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.5798% | 4,107 |
| Efficiency ratio | 61.2588% | 5,693 |
| Assets per employee ($millions) | 4.3200% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 2,619 |
| Loan loss allowance to noncurrent loans | 104.6567% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.6662% | 3,681 |
| Noncurrent loans to loans | 1.8313% | 3,709 |
| Net loans and leases to total assets | 69.8090% | 2,259 |
| Net loans and leases to deposits | 89.0931% | 1,366 |
| Net loans and leases to core deposits | 93.4469% | 1,966 |
| Total domestic deposits to total assets | 78.3551% | 6,223 |
| Equity capital to assets | 13.6112% | 1,240 |
| Core capital (leverage) ratio | 11.2308% | 2,090 |
| Tier 1 risk-based capital ratio | 14.0042% | 4,173 |
| Total risk-based capital ratio | 15.2604% | 4,141 |
| Memoranda: | ||
| Average total assets | $2,039,473,000 | 346 |
| Average earning assets | $1,818,377,000 | 349 |
| Average equity | $271,330,330 | 286 |
| Average total loans | $1,483,179,000 | 311 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9091% | 3,544 |
| Cost of funding earning assets | 1.0184% | 4,069 |
| Net interest margin | 3.8907% | 3,189 |
| Noninterest income to average assets | 0.6210% | 3,033 |
| Noninterest expense to average assets | 2.7955% | 4,461 |
| Loan and lease loss provision to assets | 0.5550% | 1,560 |
| Net operating income to assets | 0.5308% | 4,347 |
| Return on assets (ROA) | 0.5376% | 4,406 |
| Pretax return on assets | 0.7458% | 4,118 |
| Return on Equity (ROE) | 4.0876% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.0876% | 3,709 |
| Net charge-offs to loans | 1.6643% | 803 |
| Credit loss provision to net charge-offs | 45.3716% | 3,847 |
| Earnings coverage of net charge-offs (x) | 1.0557% | 3,870 |
| Efficiency ratio | 67.0214% | 4,848 |
| Assets per employee ($millions) | 4.4168% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 2,436 |
| Loan loss allowance to noncurrent loans | 86.6462% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 2.0971% | 3,199 |
| Noncurrent loans to loans | 2.3033% | 3,189 |
| Net loans and leases to total assets | 70.2809% | 2,075 |
| Net loans and leases to deposits | 89.3921% | 1,310 |
| Net loans and leases to core deposits | 94.0341% | 1,876 |
| Total domestic deposits to total assets | 78.6210% | 6,270 |
| Equity capital to assets | 13.1604% | 1,311 |
| Core capital (leverage) ratio | 10.8417% | 2,319 |
| Tier 1 risk-based capital ratio | 13.4859% | 4,425 |
| Total risk-based capital ratio | 14.7431% | 4,401 |
| Memoranda: | ||
| Average total assets | $2,041,844,500 | 346 |
| Average earning assets | $1,818,897,500 | 349 |
| Average equity | $268,520,000 | 285 |
| Average total loans | $1,500,678,500 | 309 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3294% | 2,981 |
| Cost of funding earning assets | 1.3473% | 3,592 |
| Net interest margin | 3.9821% | 3,094 |
| Noninterest income to average assets | 0.8624% | 2,004 |
| Noninterest expense to average assets | 2.6313% | 5,292 |
| Loan and lease loss provision to assets | 1.1365% | 1,405 |
| Net operating income to assets | 0.4558% | 4,286 |
| Return on assets (ROA) | 0.4439% | 4,507 |
| Pretax return on assets | 0.6122% | 4,279 |
| Return on Equity (ROE) | 3.4106% | 4,788 |
| Retained earnings to average equity (ytd only) | 1.6013% | 4,721 |
| Net charge-offs to loans | 1.1879% | 1,875 |
| Credit loss provision to net charge-offs | 123.9412% | 3,334 |
| Earnings coverage of net charge-offs (x) | 1.9252% | 4,287 |
| Efficiency ratio | 58.3818% | 6,295 |
| Assets per employee ($millions) | 4.4032% | 3,021 |
| Cash dividends to net income (ytd only)* | 53.0490% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1461% | 1,969 |
| Loan loss allowance to noncurrent loans | 89.3745% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 2.2807% | 2,991 |
| Noncurrent loans to loans | 2.4013% | 3,115 |
| Net loans and leases to total assets | 73.6853% | 1,726 |
| Net loans and leases to deposits | 94.7359% | 987 |
| Net loans and leases to core deposits | 99.9556% | 1,618 |
| Total domestic deposits to total assets | 77.7797% | 6,360 |
| Equity capital to assets | 13.1412% | 1,323 |
| Core capital (leverage) ratio | 10.8089% | 2,305 |
| Tier 1 risk-based capital ratio | 12.8360% | 4,739 |
| Total risk-based capital ratio | 14.0949% | 4,702 |
| Memoranda: | ||
| Average total assets | $2,039,395,200 | 342 |
| Average earning assets | $1,810,070,600 | 344 |
| Average equity | $265,404,800 | 285 |
| Average total loans | $1,574,253,400 | 298 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3717% | 3,021 |
| Cost of funding earning assets | 1.4094% | 3,525 |
| Net interest margin | 3.9622% | 3,279 |
| Noninterest income to average assets | 0.7933% | 2,269 |
| Noninterest expense to average assets | 2.5543% | 5,490 |
| Loan and lease loss provision to assets | 1.1444% | 1,270 |
| Net operating income to assets | 0.4435% | 4,574 |
| Return on assets (ROA) | 0.4280% | 4,814 |
| Pretax return on assets | 0.5879% | 4,637 |
| Return on Equity (ROE) | 3.2967% | 5,097 |
| Retained earnings to average equity (ytd only) | 1.3279% | 5,278 |
| Net charge-offs to loans | 0.9319% | 2,130 |
| Credit loss provision to net charge-offs | 158.1251% | 2,415 |
| Earnings coverage of net charge-offs (x) | 2.4229% | 3,965 |
| Efficiency ratio | 57.7559% | 6,304 |
| Assets per employee ($millions) | 4.4028% | 3,075 |
| Cash dividends to net income (ytd only)* | 59.7193% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2233% | 1,754 |
| Loan loss allowance to noncurrent loans | 101.0139% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 2.2367% | 3,149 |
| Noncurrent loans to loans | 2.2009% | 3,446 |
| Net loans and leases to total assets | 75.1741% | 1,556 |
| Net loans and leases to deposits | 95.9525% | 982 |
| Net loans and leases to core deposits | 102.3117% | 1,627 |
| Total domestic deposits to total assets | 78.3451% | 6,182 |
| Equity capital to assets | 13.1580% | 1,509 |
| Core capital (leverage) ratio | 10.7088% | 2,507 |
| Tier 1 risk-based capital ratio | 12.4105% | 5,071 |
| Total risk-based capital ratio | 13.6702% | 5,027 |
| Memoranda: | ||
| Average total assets | $2,041,771,250 | 339 |
| Average earning assets | $1,811,085,750 | 339 |
| Average equity | $265,068,000 | 282 |
| Average total loans | $1,585,682,750 | 297 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3797% | 3,065 |
| Cost of funding earning assets | 1.4542% | 3,537 |
| Net interest margin | 3.9255% | 3,335 |
| Noninterest income to average assets | 0.8286% | 1,978 |
| Noninterest expense to average assets | 2.5283% | 5,617 |
| Loan and lease loss provision to assets | 1.2062% | 1,159 |
| Net operating income to assets | 0.4074% | 4,722 |
| Return on assets (ROA) | 0.3980% | 4,924 |
| Pretax return on assets | 0.5623% | 4,695 |
| Return on Equity (ROE) | 3.0794% | 5,178 |
| Retained earnings to average equity (ytd only) | 0.8463% | 5,427 |
| Net charge-offs to loans | 0.9832% | 1,880 |
| Credit loss provision to net charge-offs | 157.4384% | 2,505 |
| Earnings coverage of net charge-offs (x) | 2.3256% | 3,836 |
| Efficiency ratio | 57.0378% | 6,505 |
| Assets per employee ($millions) | 4.4323% | 2,997 |
| Cash dividends to net income (ytd only)* | 72.5172% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0774% | 2,017 |
| Loan loss allowance to noncurrent loans | 116.1536% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 2.0138% | 3,486 |
| Noncurrent loans to loans | 1.7885% | 4,015 |
| Net loans and leases to total assets | 76.2210% | 1,444 |
| Net loans and leases to deposits | 97.8046% | 892 |
| Net loans and leases to core deposits | 105.6622% | 1,483 |
| Total domestic deposits to total assets | 77.9319% | 6,287 |
| Equity capital to assets | 13.0712% | 1,541 |
| Core capital (leverage) ratio | 10.6282% | 2,520 |
| Tier 1 risk-based capital ratio | 12.2004% | 5,128 |
| Total risk-based capital ratio | 13.4585% | 5,090 |
| Memoranda: | ||
| Average total assets | $2,044,332,000 | 340 |
| Average earning assets | $1,813,008,000 | 343 |
| Average equity | $264,208,670 | 277 |
| Average total loans | $1,592,951,330 | 296 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 3,379 |
| Cost of funding earning assets | 1.4761% | 3,706 |
| Net interest margin | 3.8562% | 3,531 |
| Noninterest income to average assets | 0.9377% | 1,494 |
| Noninterest expense to average assets | 2.5281% | 5,622 |
| Loan and lease loss provision to assets | 1.3432% | 889 |
| Net operating income to assets | 0.3441% | 5,106 |
| Return on assets (ROA) | 0.3354% | 5,263 |
| Pretax return on assets | 0.4773% | 5,038 |
| Return on Equity (ROE) | 2.6096% | 5,519 |
| Retained earnings to average equity (ytd only) | 2.6096% | 4,579 |
| Net charge-offs to loans | 1.1124% | 1,511 |
| Credit loss provision to net charge-offs | 154.8786% | 2,311 |
| Earnings coverage of net charge-offs (x) | 2.1135% | 3,483 |
| Efficiency ratio | 56.1139% | 6,749 |
| Assets per employee ($millions) | 4.4211% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9472% | 2,322 |
| Loan loss allowance to noncurrent loans | 100.6675% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 2.1071% | 3,376 |
| Noncurrent loans to loans | 1.9343% | 3,881 |
| Net loans and leases to total assets | 75.5269% | 1,639 |
| Net loans and leases to deposits | 96.7422% | 1,020 |
| Net loans and leases to core deposits | 104.9729% | 1,661 |
| Total domestic deposits to total assets | 78.0703% | 6,300 |
| Equity capital to assets | 12.9067% | 1,560 |
| Core capital (leverage) ratio | 10.5159% | 2,607 |
| Tier 1 risk-based capital ratio | 12.1950% | 5,000 |
| Total risk-based capital ratio | 13.4517% | 4,968 |
| Memoranda: | ||
| Average total assets | $2,051,498,000 | 347 |
| Average earning assets | $1,821,272,500 | 354 |
| Average equity | $263,640,500 | 284 |
| Average total loans | $1,599,371,500 | 305 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6792% | 3,210 |
| Cost of funding earning assets | 1.7800% | 4,105 |
| Net interest margin | 3.8992% | 3,272 |
| Noninterest income to average assets | 0.9448% | 1,769 |
| Noninterest expense to average assets | 2.6622% | 5,544 |
| Loan and lease loss provision to assets | 1.1577% | 1,974 |
| Net operating income to assets | 0.4295% | 4,007 |
| Return on assets (ROA) | 0.4163% | 4,168 |
| Pretax return on assets | 0.5764% | 3,968 |
| Return on Equity (ROE) | 3.2065% | 4,413 |
| Retained earnings to average equity (ytd only) | 1.1530% | 4,241 |
| Net charge-offs to loans | 0.7141% | 3,045 |
| Credit loss provision to net charge-offs | 200.6391% | 1,942 |
| Earnings coverage of net charge-offs (x) | 3.0370% | 3,558 |
| Efficiency ratio | 58.7597% | 6,653 |
| Assets per employee ($millions) | 4.3011% | 3,266 |
| Cash dividends to net income (ytd only)* | 64.0412% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 2,712 |
| Loan loss allowance to noncurrent loans | 80.6004% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 2.3668% | 2,933 |
| Noncurrent loans to loans | 2.1713% | 3,420 |
| Net loans and leases to total assets | 77.5147% | 1,479 |
| Net loans and leases to deposits | 100.4167% | 868 |
| Net loans and leases to core deposits | 119.7244% | 1,968 |
| Total domestic deposits to total assets | 77.1930% | 6,419 |
| Equity capital to assets | 12.7956% | 1,596 |
| Core capital (leverage) ratio | 10.3996% | 2,688 |
| Tier 1 risk-based capital ratio | 11.7836% | 5,122 |
| Total risk-based capital ratio | 13.0380% | 5,084 |
| Memoranda: | ||
| Average total assets | $2,006,714,800 | 356 |
| Average earning assets | $1,785,706,200 | 355 |
| Average equity | $260,535,400 | 279 |
| Average total loans | $1,621,562,600 | 316 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7054% | 3,316 |
| Cost of funding earning assets | 1.8387% | 4,205 |
| Net interest margin | 3.8668% | 3,354 |
| Noninterest income to average assets | 0.9283% | 1,868 |
| Noninterest expense to average assets | 2.7046% | 5,305 |
| Loan and lease loss provision to assets | 0.9863% | 1,939 |
| Net operating income to assets | 0.4590% | 4,166 |
| Return on assets (ROA) | 0.5049% | 4,053 |
| Pretax return on assets | 0.7491% | 3,702 |
| Return on Equity (ROE) | 3.8747% | 4,430 |
| Retained earnings to average equity (ytd only) | 1.5674% | 4,440 |
| Net charge-offs to loans | 0.4632% | 3,368 |
| Credit loss provision to net charge-offs | 261.9233% | 1,627 |
| Earnings coverage of net charge-offs (x) | 4.4264% | 3,137 |
| Efficiency ratio | 60.2874% | 6,370 |
| Assets per employee ($millions) | 4.1568% | 3,448 |
| Cash dividends to net income (ytd only)* | 59.5474% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 3,116 |
| Loan loss allowance to noncurrent loans | 80.6824% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 2.0489% | 3,288 |
| Noncurrent loans to loans | 1.9477% | 3,709 |
| Net loans and leases to total assets | 80.3187% | 1,121 |
| Net loans and leases to deposits | 104.5401% | 734 |
| Net loans and leases to core deposits | 124.3223% | 1,875 |
| Total domestic deposits to total assets | 76.8305% | 6,384 |
| Equity capital to assets | 13.0783% | 1,665 |
| Core capital (leverage) ratio | 10.5983% | 2,713 |
| Tier 1 risk-based capital ratio | 11.5036% | 5,425 |
| Total risk-based capital ratio | 12.7558% | 5,375 |
| Memoranda: | ||
| Average total assets | $1,995,486,500 | 367 |
| Average earning assets | $1,776,834,250 | 370 |
| Average equity | $260,039,750 | 290 |
| Average total loans | $1,622,293,250 | 328 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6809% | 3,656 |
| Cost of funding earning assets | 1.9110% | 4,209 |
| Net interest margin | 3.7699% | 3,676 |
| Noninterest income to average assets | 0.9713% | 1,689 |
| Noninterest expense to average assets | 2.7857% | 5,021 |
| Loan and lease loss provision to assets | 0.6745% | 2,410 |
| Net operating income to assets | 0.5748% | 3,792 |
| Return on assets (ROA) | 0.6987% | 3,370 |
| Pretax return on assets | 1.0561% | 2,791 |
| Return on Equity (ROE) | 5.3681% | 3,925 |
| Retained earnings to average equity (ytd only) | 1.8933% | 4,291 |
| Net charge-offs to loans | 0.3228% | 3,566 |
| Credit loss provision to net charge-offs | 257.3236% | 1,808 |
| Earnings coverage of net charge-offs (x) | 5.8865% | 2,735 |
| Efficiency ratio | 62.7258% | 6,136 |
| Assets per employee ($millions) | 4.0441% | 3,598 |
| Cash dividends to net income (ytd only)* | 64.7296% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 4,421 |
| Loan loss allowance to noncurrent loans | 67.5411% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.9429% | 3,280 |
| Noncurrent loans to loans | 1.8890% | 3,682 |
| Net loans and leases to total assets | 79.6689% | 1,368 |
| Net loans and leases to deposits | 103.2574% | 970 |
| Net loans and leases to core deposits | 123.5656% | 2,061 |
| Total domestic deposits to total assets | 77.1556% | 6,283 |
| Equity capital to assets | 12.8941% | 1,738 |
| Core capital (leverage) ratio | 10.4940% | 2,820 |
| Tier 1 risk-based capital ratio | 11.5088% | 5,371 |
| Total risk-based capital ratio | 12.6693% | 5,386 |
| Memoranda: | ||
| Average total assets | $1,990,014,330 | 376 |
| Average earning assets | $1,772,180,670 | 380 |
| Average equity | $259,012,330 | 297 |
| Average total loans | $1,615,813,000 | 339 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7605% | 3,479 |
| Cost of funding earning assets | 1.9699% | 4,287 |
| Net interest margin | 3.7906% | 3,489 |
| Noninterest income to average assets | 0.5146% | 4,190 |
| Noninterest expense to average assets | 2.6864% | 5,072 |
| Loan and lease loss provision to assets | 0.5559% | 2,255 |
| Net operating income to assets | 0.4290% | 4,748 |
| Return on assets (ROA) | 0.7838% | 3,363 |
| Pretax return on assets | 1.1747% | 2,703 |
| Return on Equity (ROE) | 5.9934% | 4,041 |
| Retained earnings to average equity (ytd only) | 2.8976% | 4,258 |
| Net charge-offs to loans | 0.8114% | 1,596 |
| Credit loss provision to net charge-offs | 84.1041% | 4,125 |
| Earnings coverage of net charge-offs (x) | 1.8172% | 3,818 |
| Efficiency ratio | 67.1839% | 5,106 |
| Assets per employee ($millions) | 3.9265% | 3,818 |
| Cash dividends to net income (ytd only)* | 51.6529% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 6,112 |
| Loan loss allowance to noncurrent loans | 68.8811% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.5604% | 3,593 |
| Noncurrent loans to loans | 1.4663% | 4,104 |
| Net loans and leases to total assets | 79.0624% | 1,568 |
| Net loans and leases to deposits | 102.5706% | 1,126 |
| Net loans and leases to core deposits | 125.4674% | 1,957 |
| Total domestic deposits to total assets | 77.0809% | 6,257 |
| Equity capital to assets | 12.9485% | 1,771 |
| Core capital (leverage) ratio | 10.5233% | 2,894 |
| Tier 1 risk-based capital ratio | 12.2101% | 4,783 |
| Total risk-based capital ratio | 13.1722% | 4,936 |
| Memoranda: | ||
| Average total assets | $1,976,028,500 | 378 |
| Average earning assets | $1,758,260,000 | 383 |
| Average equity | $258,417,500 | 298 |
| Average total loans | $1,609,477,500 | 342 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3688% | 3,583 |
| Cost of funding earning assets | 2.3708% | 4,849 |
| Net interest margin | 3.9979% | 3,123 |
| Noninterest income to average assets | 0.6374% | 3,575 |
| Noninterest expense to average assets | 2.8450% | 4,624 |
| Loan and lease loss provision to assets | 0.7818% | 1,911 |
| Net operating income to assets | 0.3571% | 5,323 |
| Return on assets (ROA) | 0.5172% | 4,509 |
| Pretax return on assets | 0.7746% | 4,161 |
| Return on Equity (ROE) | 4.0799% | 4,788 |
| Retained earnings to average equity (ytd only) | -0.1771% | 5,329 |
| Net charge-offs to loans | 0.9201% | 1,347 |
| Credit loss provision to net charge-offs | 103.0370% | 5,181 |
| Earnings coverage of net charge-offs (x) | 1.7362% | 5,207 |
| Efficiency ratio | 66.5729% | 5,008 |
| Assets per employee ($millions) | 3.7636% | 4,032 |
| Cash dividends to net income (ytd only)* | 104.3406% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 5,779 |
| Loan loss allowance to noncurrent loans | 72.2037% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.5422% | 3,138 |
| Noncurrent loans to loans | 1.4259% | 3,666 |
| Net loans and leases to total assets | 82.2188% | 1,190 |
| Net loans and leases to deposits | 108.7597% | 917 |
| Net loans and leases to core deposits | 128.4031% | 1,973 |
| Total domestic deposits to total assets | 75.5968% | 6,326 |
| Equity capital to assets | 13.2102% | 1,705 |
| Core capital (leverage) ratio | 10.6954% | 2,828 |
| Tier 1 risk-based capital ratio | 12.0326% | 4,801 |
| Total risk-based capital ratio | 13.0228% | 4,916 |
| Memoranda: | ||
| Average total assets | $1,852,993,200 | 385 |
| Average earning assets | $1,633,789,800 | 392 |
| Average equity | $234,905,800 | 323 |
| Average total loans | $1,528,094,800 | 345 |