Home > Stock Yards Bank & Trust Company > Performance and Condition Ratios
Stock Yards Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 2,256 |
| Cost of funding earning assets | 1.3763% | 2,291 |
| Net interest margin | 3.5348% | 2,109 |
| Noninterest income to average assets | 1.1800% | 507 |
| Noninterest expense to average assets | 2.3629% | 2,686 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.4253% | 1,168 |
| Return on assets (ROA) | 1.4253% | 1,139 |
| Pretax return on assets | 1.8445% | 834 |
| Return on Equity (ROE) | 13.7800% | 1,535 |
| Retained earnings to average equity (ytd only) | 9.7621% | 1,072 |
| Net charge-offs to loans | 0.1215% | 804 |
| Credit loss provision to net charge-offs | 188.1714% | 1,268 |
| Earnings coverage of net charge-offs (x) | 23.7551% | 1,784 |
| Efficiency ratio | 52.5195% | 3,788 |
| Assets per employee ($millions) | 7.5960% | 1,660 |
| Cash dividends to net income (ytd only)* | 29.1549% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 1,489 |
| Loan loss allowance to noncurrent loans | 414.0964% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 2,037 |
| Noncurrent loans to loans | 0.3319% | 1,993 |
| Net loans and leases to total assets | 69.7600% | 1,836 |
| Net loans and leases to deposits | 85.3240% | 1,666 |
| Net loans and leases to core deposits | 89.0530% | 2,112 |
| Total domestic deposits to total assets | 81.7600% | 3,167 |
| Equity capital to assets | 10.5017% | 1,720 |
| Core capital (leverage) ratio | 9.2968% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2055% | 2,523 |
| Memoranda: | ||
| Average total assets | $7,788,161,400 | 195 |
| Average earning assets | $7,056,971,000 | 192 |
| Average equity | $805,596,000 | 192 |
| Average total loans | $5,456,056,000 | 194 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 2,266 |
| Cost of funding earning assets | 1.2308% | 2,330 |
| Net interest margin | 3.5668% | 2,075 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 2.3434% | 2,670 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.4825% | 1,155 |
| Return on assets (ROA) | 1.4825% | 1,138 |
| Pretax return on assets | 1.9325% | 830 |
| Return on Equity (ROE) | 14.3900% | 1,567 |
| Retained earnings to average equity (ytd only) | 10.7021% | 1,216 |
| Net charge-offs to loans | 0.0535% | 1,142 |
| Credit loss provision to net charge-offs | 310.8071% | 860 |
| Earnings coverage of net charge-offs (x) | 55.3173% | 1,254 |
| Efficiency ratio | 51.7533% | 3,774 |
| Assets per employee ($millions) | 7.3915% | 1,701 |
| Cash dividends to net income (ytd only)* | 25.6330% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 1,490 |
| Loan loss allowance to noncurrent loans | 453.2130% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 2,147 |
| Noncurrent loans to loans | 0.3064% | 2,138 |
| Net loans and leases to total assets | 70.1700% | 1,807 |
| Net loans and leases to deposits | 86.5808% | 1,502 |
| Net loans and leases to core deposits | 89.8067% | 1,939 |
| Total domestic deposits to total assets | 81.0500% | 3,375 |
| Equity capital to assets | 10.2191% | 1,693 |
| Core capital (leverage) ratio | 9.4868% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3656% | 2,492 |
| Memoranda: | ||
| Average total assets | $7,693,768,000 | 197 |
| Average earning assets | $6,985,441,000 | 194 |
| Average equity | $792,609,500 | 194 |
| Average total loans | $5,376,048,750 | 198 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 2,247 |
| Cost of funding earning assets | 1.0793% | 2,354 |
| Net interest margin | 3.6024% | 2,035 |
| Noninterest income to average assets | 1.1700% | 459 |
| Noninterest expense to average assets | 2.3437% | 2,670 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.5089% | 1,082 |
| Return on assets (ROA) | 1.5089% | 1,083 |
| Pretax return on assets | 1.9760% | 776 |
| Return on Equity (ROE) | 14.6100% | 1,552 |
| Retained earnings to average equity (ytd only) | 11.4580% | 1,084 |
| Net charge-offs to loans | 0.0083% | 1,896 |
| Credit loss provision to net charge-offs | 1,991.4027% | 266 |
| Earnings coverage of net charge-offs (x) | 363.3756% | 391 |
| Efficiency ratio | 51.2785% | 3,831 |
| Assets per employee ($millions) | 7.2602% | 1,740 |
| Cash dividends to net income (ytd only)* | 21.5558% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,413 |
| Loan loss allowance to noncurrent loans | 436.5485% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 1,995 |
| Noncurrent loans to loans | 0.3281% | 1,953 |
| Net loans and leases to total assets | 69.2200% | 1,827 |
| Net loans and leases to deposits | 86.1131% | 1,497 |
| Net loans and leases to core deposits | 88.6021% | 1,886 |
| Total domestic deposits to total assets | 80.3800% | 3,518 |
| Equity capital to assets | 10.4786% | 1,609 |
| Core capital (leverage) ratio | 9.5098% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4312% | 2,488 |
| Memoranda: | ||
| Average total assets | $7,624,519,667 | 192 |
| Average earning assets | $6,940,551,333 | 188 |
| Average equity | $787,659,000 | 191 |
| Average total loans | $5,293,861,667 | 193 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 2,099 |
| Cost of funding earning assets | 0.9177% | 2,318 |
| Net interest margin | 3.6763% | 1,950 |
| Noninterest income to average assets | 1.1500% | 470 |
| Noninterest expense to average assets | 2.3369% | 2,709 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.5474% | 1,086 |
| Return on assets (ROA) | 1.5474% | 1,077 |
| Pretax return on assets | 2.0334% | 730 |
| Return on Equity (ROE) | 15.0900% | 1,538 |
| Retained earnings to average equity (ytd only) | 13.6474% | 986 |
| Net charge-offs to loans | 0.0083% | 1,636 |
| Credit loss provision to net charge-offs | 2,083.3333% | 194 |
| Earnings coverage of net charge-offs (x) | 380.8241% | 293 |
| Efficiency ratio | 50.4462% | 3,898 |
| Assets per employee ($millions) | 7.3371% | 1,722 |
| Cash dividends to net income (ytd only)* | 9.5557% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,457 |
| Loan loss allowance to noncurrent loans | 419.4734% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 1,899 |
| Noncurrent loans to loans | 0.3437% | 1,914 |
| Net loans and leases to total assets | 67.5300% | 1,896 |
| Net loans and leases to deposits | 81.3500% | 1,719 |
| Net loans and leases to core deposits | 83.2732% | 2,040 |
| Total domestic deposits to total assets | 83.0100% | 3,296 |
| Equity capital to assets | 10.4089% | 1,611 |
| Core capital (leverage) ratio | 9.2607% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5724% | 2,548 |
| Memoranda: | ||
| Average total assets | $7,574,369,000 | 198 |
| Average earning assets | $6,916,333,000 | 194 |
| Average equity | $776,760,500 | 201 |
| Average total loans | $5,228,458,000 | 199 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 2,511 |
| Cost of funding earning assets | 0.2524% | 3,299 |
| Net interest margin | 3.4520% | 2,094 |
| Noninterest income to average assets | 1.1900% | 483 |
| Noninterest expense to average assets | 2.5049% | 2,095 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.2946% | 1,452 |
| Return on assets (ROA) | 1.2945% | 1,413 |
| Pretax return on assets | 1.7130% | 892 |
| Return on Equity (ROE) | 13.3900% | 1,684 |
| Retained earnings to average equity (ytd only) | 7.1318% | 2,184 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.8854% | 3,595 |
| Assets per employee ($millions) | 7.2008% | 1,823 |
| Cash dividends to net income (ytd only)* | 46.7264% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,460 |
| Loan loss allowance to noncurrent loans | 485.8342% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,102 |
| Noncurrent loans to loans | 0.2906% | 2,103 |
| Net loans and leases to total assets | 68.5700% | 1,778 |
| Net loans and leases to deposits | 80.2351% | 1,753 |
| Net loans and leases to core deposits | 81.4762% | 2,043 |
| Total domestic deposits to total assets | 85.4600% | 2,870 |
| Equity capital to assets | 10.0978% | 1,666 |
| Core capital (leverage) ratio | 8.9454% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0777% | 2,713 |
| Memoranda: | ||
| Average total assets | $7,396,837,800 | 201 |
| Average earning assets | $6,791,689,400 | 199 |
| Average equity | $715,249,800 | 211 |
| Average total loans | $4,841,812,000 | 198 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 2,710 |
| Cost of funding earning assets | 0.1516% | 3,832 |
| Net interest margin | 3.3180% | 2,244 |
| Noninterest income to average assets | 1.1800% | 513 |
| Noninterest expense to average assets | 2.5589% | 1,829 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.1676% | 1,827 |
| Return on assets (ROA) | 1.1676% | 1,802 |
| Pretax return on assets | 1.5442% | 1,288 |
| Return on Equity (ROE) | 12.2100% | 1,966 |
| Retained earnings to average equity (ytd only) | 3.7508% | 3,530 |
| Net charge-offs to loans | -0.0043% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.9549% | 3,258 |
| Assets per employee ($millions) | 7.3299% | 1,723 |
| Cash dividends to net income (ytd only)* | 69.2859% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 1,669 |
| Loan loss allowance to noncurrent loans | 660.4750% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 2,540 |
| Noncurrent loans to loans | 0.2090% | 2,555 |
| Net loans and leases to total assets | 66.4600% | 1,840 |
| Net loans and leases to deposits | 76.8843% | 1,806 |
| Net loans and leases to core deposits | 77.9907% | 2,041 |
| Total domestic deposits to total assets | 86.4400% | 2,948 |
| Equity capital to assets | 9.4574% | 1,910 |
| Core capital (leverage) ratio | 8.4463% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6748% | 2,901 |
| Memoranda: | ||
| Average total assets | $7,373,837,750 | 204 |
| Average earning assets | $6,781,310,750 | 198 |
| Average equity | $705,010,750 | 212 |
| Average total loans | $4,750,134,000 | 200 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2306% | 2,953 |
| Cost of funding earning assets | 0.0899% | 4,293 |
| Net interest margin | 3.1407% | 2,400 |
| Noninterest income to average assets | 1.1146% | 542 |
| Noninterest expense to average assets | 2.6776% | 1,443 |
| Loan and lease loss provision to assets | 0.0568% | 1,563 |
| Net operating income to assets | 0.9675% | 2,282 |
| Return on assets (ROA) | 0.9675% | 2,254 |
| Pretax return on assets | 1.2775% | 1,823 |
| Return on Equity (ROE) | 10.0813% | 2,303 |
| Retained earnings to average equity (ytd only) | -2.6566% | 4,431 |
| Net charge-offs to loans | -0.0231% | 3,937 |
| Credit loss provision to net charge-offs | -369.9065% | 3,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2569% | 2,612 |
| Assets per employee ($millions) | 7.4283% | 1,660 |
| Cash dividends to net income (ytd only)* | 126.3521% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 1,928 |
| Loan loss allowance to noncurrent loans | 766.3933% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 2,241 |
| Noncurrent loans to loans | 0.1772% | 2,812 |
| Net loans and leases to total assets | 63.7532% | 1,938 |
| Net loans and leases to deposits | 73.3700% | 1,927 |
| Net loans and leases to core deposits | 74.4684% | 2,133 |
| Total domestic deposits to total assets | 86.8927% | 2,978 |
| Equity capital to assets | 9.5746% | 1,956 |
| Core capital (leverage) ratio | 8.0644% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6254% | 2,906 |
| Memoranda: | ||
| Average total assets | $7,320,063,667 | 205 |
| Average earning assets | $6,752,533,000 | 198 |
| Average equity | $702,471,667 | 211 |
| Average total loans | $4,640,809,667 | 200 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9998% | 3,260 |
| Cost of funding earning assets | 0.0715% | 4,435 |
| Net interest margin | 2.9283% | 2,739 |
| Noninterest income to average assets | 1.0716% | 591 |
| Noninterest expense to average assets | 3.0349% | 780 |
| Loan and lease loss provision to assets | 0.1266% | 652 |
| Net operating income to assets | 0.4721% | 3,784 |
| Return on assets (ROA) | 0.4721% | 3,749 |
| Pretax return on assets | 0.6209% | 3,576 |
| Return on Equity (ROE) | 4.9137% | 3,645 |
| Retained earnings to average equity (ytd only) | -20.9590% | 4,710 |
| Net charge-offs to loans | -0.0477% | 4,240 |
| Credit loss provision to net charge-offs | -497.0315% | 3,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2432% | 1,206 |
| Assets per employee ($millions) | 7.7823% | 1,496 |
| Cash dividends to net income (ytd only)* | 526.5388% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,987 |
| Loan loss allowance to noncurrent loans | 545.6594% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 2,143 |
| Noncurrent loans to loans | 0.2531% | 2,573 |
| Net loans and leases to total assets | 61.7353% | 1,894 |
| Net loans and leases to deposits | 70.6823% | 1,893 |
| Net loans and leases to core deposits | 71.9214% | 2,121 |
| Total domestic deposits to total assets | 87.3419% | 2,801 |
| Equity capital to assets | 9.3679% | 2,392 |
| Core capital (leverage) ratio | 8.6544% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3424% | 3,002 |
| Memoranda: | ||
| Average total assets | $7,199,101,500 | 209 |
| Average earning assets | $6,664,418,000 | 204 |
| Average equity | $691,692,500 | 215 |
| Average total loans | $4,517,529,500 | 203 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3446% | 3,067 |
| Cost of funding earning assets | 0.1134% | 4,283 |
| Net interest margin | 3.2312% | 2,510 |
| Noninterest income to average assets | 1.1812% | 761 |
| Noninterest expense to average assets | 2.4125% | 2,452 |
| Loan and lease loss provision to assets | -0.0133% | 4,185 |
| Net operating income to assets | 1.3874% | 1,319 |
| Return on assets (ROA) | 1.3873% | 1,375 |
| Pretax return on assets | 1.8065% | 905 |
| Return on Equity (ROE) | 14.0485% | 1,173 |
| Retained earnings to average equity (ytd only) | 2.7790% | 3,733 |
| Net charge-offs to loans | 0.1561% | 618 |
| Credit loss provision to net charge-offs | 22.6198% | 2,270 |
| Earnings coverage of net charge-offs (x) | 16.4215% | 1,973 |
| Efficiency ratio | 57.0395% | 3,573 |
| Assets per employee ($millions) | 8.0966% | 1,278 |
| Cash dividends to net income (ytd only)* | 80.2187% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,408 |
| Loan loss allowance to noncurrent loans | 749.7288% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 2,472 |
| Noncurrent loans to loans | 0.1721% | 3,090 |
| Net loans and leases to total assets | 62.1167% | 1,925 |
| Net loans and leases to deposits | 71.2145% | 1,992 |
| Net loans and leases to core deposits | 72.3674% | 2,227 |
| Total domestic deposits to total assets | 87.2248% | 2,423 |
| Equity capital to assets | 9.8887% | 2,763 |
| Core capital (leverage) ratio | 8.5663% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4167% | 2,795 |
| Memoranda: | ||
| Average total assets | $5,655,734,600 | 245 |
| Average earning assets | $5,293,946,800 | 241 |
| Average equity | $558,514,600 | 252 |
| Average total loans | $3,957,121,200 | 221 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4091% | 3,075 |
| Cost of funding earning assets | 0.1230% | 4,324 |
| Net interest margin | 3.2860% | 2,459 |
| Noninterest income to average assets | 1.1869% | 806 |
| Noninterest expense to average assets | 2.5344% | 2,022 |
| Loan and lease loss provision to assets | 0.0283% | 2,434 |
| Net operating income to assets | 1.3032% | 1,820 |
| Return on assets (ROA) | 1.3032% | 1,874 |
| Pretax return on assets | 1.7020% | 1,398 |
| Return on Equity (ROE) | 13.2024% | 1,638 |
| Retained earnings to average equity (ytd only) | -0.1803% | 4,581 |
| Net charge-offs to loans | 0.1586% | 530 |
| Credit loss provision to net charge-offs | 53.8031% | 1,842 |
| Earnings coverage of net charge-offs (x) | 15.1271% | 1,872 |
| Efficiency ratio | 59.1427% | 3,106 |
| Assets per employee ($millions) | 7.7712% | 1,402 |
| Cash dividends to net income (ytd only)* | 101.3654% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 2,245 |
| Loan loss allowance to noncurrent loans | 1,157.5143% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 2,812 |
| Noncurrent loans to loans | 0.1163% | 3,509 |
| Net loans and leases to total assets | 67.1410% | 1,413 |
| Net loans and leases to deposits | 77.5284% | 1,521 |
| Net loans and leases to core deposits | 78.8860% | 1,828 |
| Total domestic deposits to total assets | 86.6019% | 2,505 |
| Equity capital to assets | 10.4629% | 2,477 |
| Core capital (leverage) ratio | 8.6938% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2576% | 2,914 |
| Memoranda: | ||
| Average total assets | $5,409,859,750 | 254 |
| Average earning assets | $5,067,043,500 | 248 |
| Average equity | $534,009,250 | 263 |
| Average total loans | $3,901,908,500 | 225 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4053% | 3,171 |
| Cost of funding earning assets | 0.1323% | 4,336 |
| Net interest margin | 3.2730% | 2,543 |
| Noninterest income to average assets | 1.1777% | 827 |
| Noninterest expense to average assets | 2.6789% | 1,644 |
| Loan and lease loss provision to assets | 0.1036% | 1,219 |
| Net operating income to assets | 1.1420% | 2,397 |
| Return on assets (ROA) | 1.1420% | 2,455 |
| Pretax return on assets | 1.4750% | 2,097 |
| Return on Equity (ROE) | 11.8528% | 2,121 |
| Retained earnings to average equity (ytd only) | -6.7056% | 4,824 |
| Net charge-offs to loans | 0.1446% | 564 |
| Credit loss provision to net charge-offs | 127.2099% | 1,230 |
| Earnings coverage of net charge-offs (x) | 14.8057% | 1,649 |
| Efficiency ratio | 62.7350% | 2,622 |
| Assets per employee ($millions) | 7.3808% | 1,546 |
| Cash dividends to net income (ytd only)* | 156.5737% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,927 |
| Loan loss allowance to noncurrent loans | 428.5045% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 2,738 |
| Noncurrent loans to loans | 0.3293% | 2,731 |
| Net loans and leases to total assets | 68.3609% | 1,404 |
| Net loans and leases to deposits | 78.9117% | 1,527 |
| Net loans and leases to core deposits | 81.0469% | 1,796 |
| Total domestic deposits to total assets | 86.6297% | 2,495 |
| Equity capital to assets | 10.4387% | 2,450 |
| Core capital (leverage) ratio | 9.9539% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4587% | 2,871 |
| Memoranda: | ||
| Average total assets | $5,156,356,333 | 262 |
| Average earning assets | $4,852,192,667 | 256 |
| Average equity | $496,812,000 | 269 |
| Average total loans | $3,802,750,000 | 231 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5454% | 2,797 |
| Cost of funding earning assets | 0.1519% | 4,292 |
| Net interest margin | 3.3935% | 2,131 |
| Noninterest income to average assets | 1.2202% | 828 |
| Noninterest expense to average assets | 2.0519% | 3,559 |
| Loan and lease loss provision to assets | -0.1256% | 4,751 |
| Net operating income to assets | 1.9184% | 644 |
| Return on assets (ROA) | 1.9184% | 693 |
| Pretax return on assets | 2.5150% | 427 |
| Return on Equity (ROE) | 21.0456% | 465 |
| Retained earnings to average equity (ytd only) | 14.4128% | 708 |
| Net charge-offs to loans | 0.0008% | 1,915 |
| Credit loss provision to net charge-offs | -17,142.8571% | 3,830 |
| Earnings coverage of net charge-offs (x) | 4,008.5714% | 10 |
| Efficiency ratio | 46.0522% | 4,470 |
| Assets per employee ($millions) | 7.5085% | 1,448 |
| Cash dividends to net income (ytd only)* | 31.5163% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 1,996 |
| Loan loss allowance to noncurrent loans | 354.8915% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 2,611 |
| Noncurrent loans to loans | 0.3924% | 2,694 |
| Net loans and leases to total assets | 74.9695% | 716 |
| Net loans and leases to deposits | 85.4531% | 1,002 |
| Net loans and leases to core deposits | 87.2210% | 1,436 |
| Total domestic deposits to total assets | 87.7318% | 1,987 |
| Equity capital to assets | 8.9761% | 3,709 |
| Core capital (leverage) ratio | 9.1958% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0621% | 2,642 |
| Memoranda: | ||
| Average total assets | $4,697,339,000 | 275 |
| Average earning assets | $4,458,757,500 | 267 |
| Average equity | $428,174,500 | 296 |
| Average total loans | $3,598,158,500 | 240 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 3,403 |
| Cost of funding earning assets | 0.3043% | 4,114 |
| Net interest margin | 3.4613% | 2,594 |
| Noninterest income to average assets | 1.2999% | 680 |
| Noninterest expense to average assets | 2.4383% | 3,022 |
| Loan and lease loss provision to assets | 0.4068% | 759 |
| Net operating income to assets | 1.4673% | 881 |
| Return on assets (ROA) | 1.4673% | 961 |
| Pretax return on assets | 1.7227% | 814 |
| Return on Equity (ROE) | 15.1233% | 625 |
| Retained earnings to average equity (ytd only) | 10.6505% | 474 |
| Net charge-offs to loans | 0.0504% | 2,073 |
| Credit loss provision to net charge-offs | 1,027.8250% | 766 |
| Earnings coverage of net charge-offs (x) | 53.8098% | 1,136 |
| Efficiency ratio | 53.2105% | 4,291 |
| Assets per employee ($millions) | 7.1830% | 1,457 |
| Cash dividends to net income (ytd only)* | 29.5756% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,728 |
| Loan loss allowance to noncurrent loans | 394.3790% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 2,827 |
| Noncurrent loans to loans | 0.3704% | 2,874 |
| Net loans and leases to total assets | 76.0671% | 782 |
| Net loans and leases to deposits | 87.6932% | 1,123 |
| Net loans and leases to core deposits | 89.8316% | 1,536 |
| Total domestic deposits to total assets | 86.7424% | 2,062 |
| Equity capital to assets | 9.2600% | 3,834 |
| Core capital (leverage) ratio | 9.2644% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9859% | 2,631 |
| Memoranda: | ||
| Average total assets | $4,159,300,400 | 283 |
| Average earning assets | $3,926,839,200 | 273 |
| Average equity | $403,549,200 | 296 |
| Average total loans | $3,266,260,200 | 249 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 3,491 |
| Cost of funding earning assets | 0.3445% | 4,088 |
| Net interest margin | 3.4810% | 2,653 |
| Noninterest income to average assets | 1.3110% | 633 |
| Noninterest expense to average assets | 2.4222% | 3,076 |
| Loan and lease loss provision to assets | 0.5111% | 564 |
| Net operating income to assets | 1.4069% | 1,082 |
| Return on assets (ROA) | 1.4069% | 1,174 |
| Pretax return on assets | 1.6604% | 1,045 |
| Return on Equity (ROE) | 14.3147% | 820 |
| Retained earnings to average equity (ytd only) | 10.2764% | 707 |
| Net charge-offs to loans | 0.0695% | 1,621 |
| Credit loss provision to net charge-offs | 932.0120% | 879 |
| Earnings coverage of net charge-offs (x) | 39.5982% | 1,365 |
| Efficiency ratio | 52.5536% | 4,291 |
| Assets per employee ($millions) | 6.9663% | 1,529 |
| Cash dividends to net income (ytd only)* | 28.2109% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,558 |
| Loan loss allowance to noncurrent loans | 373.7216% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 2,845 |
| Noncurrent loans to loans | 0.3865% | 2,906 |
| Net loans and leases to total assets | 79.0122% | 711 |
| Net loans and leases to deposits | 91.6419% | 1,106 |
| Net loans and leases to core deposits | 94.0371% | 1,636 |
| Total domestic deposits to total assets | 86.2185% | 1,975 |
| Equity capital to assets | 9.4974% | 3,689 |
| Core capital (leverage) ratio | 9.3789% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3960% | 2,460 |
| Memoranda: | ||
| Average total assets | $4,048,055,250 | 286 |
| Average earning assets | $3,817,526,750 | 274 |
| Average equity | $397,847,500 | 295 |
| Average total loans | $3,194,259,000 | 253 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 3,472 |
| Cost of funding earning assets | 0.3988% | 4,040 |
| Net interest margin | 3.5490% | 2,639 |
| Noninterest income to average assets | 1.3240% | 589 |
| Noninterest expense to average assets | 2.4168% | 3,207 |
| Loan and lease loss provision to assets | 0.5629% | 579 |
| Net operating income to assets | 1.4208% | 1,066 |
| Return on assets (ROA) | 1.4208% | 1,157 |
| Pretax return on assets | 1.6900% | 1,022 |
| Return on Equity (ROE) | 14.2796% | 833 |
| Retained earnings to average equity (ytd only) | 10.8648% | 625 |
| Net charge-offs to loans | 0.0026% | 2,911 |
| Credit loss provision to net charge-offs | 27,750.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 1,110.6000% | 79 |
| Efficiency ratio | 51.5785% | 4,391 |
| Assets per employee ($millions) | 6.9847% | 1,446 |
| Cash dividends to net income (ytd only)* | 23.9141% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 1,687 |
| Loan loss allowance to noncurrent loans | 331.0756% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 2,918 |
| Noncurrent loans to loans | 0.4139% | 2,928 |
| Net loans and leases to total assets | 79.2929% | 684 |
| Net loans and leases to deposits | 91.9529% | 1,164 |
| Net loans and leases to core deposits | 94.5861% | 1,697 |
| Total domestic deposits to total assets | 86.2321% | 1,919 |
| Equity capital to assets | 9.3469% | 3,784 |
| Core capital (leverage) ratio | 9.1513% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0694% | 2,581 |
| Memoranda: | ||
| Average total assets | $3,943,777,000 | 288 |
| Average earning assets | $3,717,933,333 | 277 |
| Average equity | $392,406,000 | 298 |
| Average total loans | $3,093,632,667 | 256 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 3,283 |
| Cost of funding earning assets | 0.5028% | 3,932 |
| Net interest margin | 3.6785% | 2,400 |
| Noninterest income to average assets | 1.3826% | 462 |
| Noninterest expense to average assets | 2.4905% | 3,294 |
| Loan and lease loss provision to assets | 0.5919% | 474 |
| Net operating income to assets | 1.4852% | 811 |
| Return on assets (ROA) | 1.4852% | 885 |
| Pretax return on assets | 1.7609% | 753 |
| Return on Equity (ROE) | 14.4217% | 621 |
| Retained earnings to average equity (ytd only) | 7.4827% | 1,382 |
| Net charge-offs to loans | 0.0076% | 2,293 |
| Credit loss provision to net charge-offs | 10,090.9091% | 75 |
| Earnings coverage of net charge-offs (x) | 401.0909% | 170 |
| Efficiency ratio | 51.2409% | 4,596 |
| Assets per employee ($millions) | 6.1178% | 1,583 |
| Cash dividends to net income (ytd only)* | 48.1149% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,589 |
| Loan loss allowance to noncurrent loans | 702.7347% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,805 |
| Noncurrent loans to loans | 0.2036% | 3,754 |
| Net loans and leases to total assets | 76.7939% | 1,167 |
| Net loans and leases to deposits | 90.3779% | 1,463 |
| Net loans and leases to core deposits | 93.3400% | 2,032 |
| Total domestic deposits to total assets | 84.9697% | 2,424 |
| Equity capital to assets | 10.2707% | 3,543 |
| Core capital (leverage) ratio | 10.2210% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1426% | 3,058 |
| Memoranda: | ||
| Average total assets | $3,750,406,000 | 288 |
| Average earning assets | $3,528,361,500 | 280 |
| Average equity | $386,224,500 | 300 |
| Average total loans | $2,899,697,500 | 260 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 2,741 |
| Cost of funding earning assets | 0.6952% | 3,180 |
| Net interest margin | 3.8670% | 2,284 |
| Noninterest income to average assets | 1.5070% | 408 |
| Noninterest expense to average assets | 2.7697% | 2,690 |
| Loan and lease loss provision to assets | 0.0289% | 3,432 |
| Net operating income to assets | 1.9178% | 418 |
| Return on assets (ROA) | 1.9178% | 435 |
| Pretax return on assets | 2.3306% | 285 |
| Return on Equity (ROE) | 17.7724% | 358 |
| Retained earnings to average equity (ytd only) | 10.9067% | 345 |
| Net charge-offs to loans | -0.0095% | 4,458 |
| Credit loss provision to net charge-offs | -389.1051% | 4,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8344% | 4,435 |
| Assets per employee ($millions) | 6.0488% | 1,599 |
| Cash dividends to net income (ytd only)* | 38.6311% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,788 |
| Loan loss allowance to noncurrent loans | 222.3873% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 3,067 |
| Noncurrent loans to loans | 0.4221% | 2,933 |
| Net loans and leases to total assets | 75.9954% | 1,418 |
| Net loans and leases to deposits | 89.7838% | 1,614 |
| Net loans and leases to core deposits | 92.9932% | 2,161 |
| Total domestic deposits to total assets | 84.6426% | 2,628 |
| Equity capital to assets | 10.3261% | 3,604 |
| Core capital (leverage) ratio | 10.6700% | 2,792 |
| Tier 1 risk-based capital ratio | 11.3665% | 4,701 |
| Total risk-based capital ratio | 12.2022% | 4,776 |
| Memoranda: | ||
| Average total assets | $3,457,985,400 | 292 |
| Average earning assets | $3,239,066,600 | 282 |
| Average equity | $373,145,800 | 299 |
| Average total loans | $2,712,650,800 | 270 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6203% | 2,655 |
| Cost of funding earning assets | 0.7328% | 3,055 |
| Net interest margin | 3.8874% | 2,303 |
| Noninterest income to average assets | 1.5087% | 402 |
| Noninterest expense to average assets | 2.7539% | 2,702 |
| Loan and lease loss provision to assets | 0.0393% | 3,118 |
| Net operating income to assets | 1.9225% | 469 |
| Return on assets (ROA) | 1.9293% | 479 |
| Pretax return on assets | 2.3605% | 332 |
| Return on Equity (ROE) | 17.6706% | 423 |
| Retained earnings to average equity (ytd only) | 10.9325% | 542 |
| Net charge-offs to loans | -0.0171% | 4,546 |
| Credit loss provision to net charge-offs | -291.5452% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3665% | 4,459 |
| Assets per employee ($millions) | 5.6751% | 1,868 |
| Cash dividends to net income (ytd only)* | 38.1320% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,880 |
| Loan loss allowance to noncurrent loans | 837.2897% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 4,177 |
| Noncurrent loans to loans | 0.1121% | 4,140 |
| Net loans and leases to total assets | 80.3456% | 806 |
| Net loans and leases to deposits | 95.7983% | 1,041 |
| Net loans and leases to core deposits | 99.1115% | 1,732 |
| Total domestic deposits to total assets | 83.8695% | 2,870 |
| Equity capital to assets | 10.6195% | 3,447 |
| Core capital (leverage) ratio | 10.6029% | 3,006 |
| Tier 1 risk-based capital ratio | 11.0662% | 4,880 |
| Total risk-based capital ratio | 11.9062% | 4,953 |
| Memoranda: | ||
| Average total assets | $3,392,472,250 | 297 |
| Average earning assets | $3,173,669,000 | 289 |
| Average equity | $370,398,250 | 305 |
| Average total loans | $2,677,351,500 | 274 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 2,709 |
| Cost of funding earning assets | 0.7355% | 2,974 |
| Net interest margin | 3.8531% | 2,401 |
| Noninterest income to average assets | 1.4867% | 403 |
| Noninterest expense to average assets | 2.7907% | 2,622 |
| Loan and lease loss provision to assets | 0.0359% | 3,101 |
| Net operating income to assets | 1.8854% | 497 |
| Return on assets (ROA) | 1.8854% | 519 |
| Pretax return on assets | 2.2734% | 377 |
| Return on Equity (ROE) | 17.1039% | 455 |
| Retained earnings to average equity (ytd only) | 10.5337% | 631 |
| Net charge-offs to loans | -0.0216% | 4,561 |
| Credit loss provision to net charge-offs | -212.7660% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5865% | 4,404 |
| Assets per employee ($millions) | 5.6247% | 1,850 |
| Cash dividends to net income (ytd only)* | 38.4133% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 3,863 |
| Loan loss allowance to noncurrent loans | 678.9000% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 4,111 |
| Noncurrent loans to loans | 0.1406% | 4,054 |
| Net loans and leases to total assets | 79.2497% | 1,003 |
| Net loans and leases to deposits | 95.0310% | 1,148 |
| Net loans and leases to core deposits | 98.4686% | 1,853 |
| Total domestic deposits to total assets | 83.3935% | 3,074 |
| Equity capital to assets | 11.0360% | 3,007 |
| Core capital (leverage) ratio | 10.7012% | 2,892 |
| Tier 1 risk-based capital ratio | 11.6032% | 4,634 |
| Total risk-based capital ratio | 12.4519% | 4,724 |
| Memoranda: | ||
| Average total assets | $3,346,658,000 | 300 |
| Average earning assets | $3,138,279,000 | 291 |
| Average equity | $368,910,670 | 307 |
| Average total loans | $2,615,466,000 | 279 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5310% | 2,764 |
| Cost of funding earning assets | 0.6948% | 3,086 |
| Net interest margin | 3.8362% | 2,395 |
| Noninterest income to average assets | 1.4603% | 405 |
| Noninterest expense to average assets | 2.7484% | 2,750 |
| Loan and lease loss provision to assets | 0.0729% | 2,212 |
| Net operating income to assets | 1.9417% | 427 |
| Return on assets (ROA) | 1.9417% | 442 |
| Pretax return on assets | 2.2445% | 403 |
| Return on Equity (ROE) | 17.6249% | 436 |
| Retained earnings to average equity (ytd only) | 11.1551% | 769 |
| Net charge-offs to loans | -0.0520% | 4,844 |
| Credit loss provision to net charge-offs | -181.8182% | 3,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1552% | 4,517 |
| Assets per employee ($millions) | 5.5027% | 1,981 |
| Cash dividends to net income (ytd only)* | 36.7080% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,424 |
| Loan loss allowance to noncurrent loans | 639.5360% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 4,039 |
| Noncurrent loans to loans | 0.1636% | 4,012 |
| Net loans and leases to total assets | 76.2970% | 1,434 |
| Net loans and leases to deposits | 90.7250% | 1,538 |
| Net loans and leases to core deposits | 93.5570% | 2,166 |
| Total domestic deposits to total assets | 84.0970% | 3,022 |
| Equity capital to assets | 11.2469% | 2,602 |
| Core capital (leverage) ratio | 11.3086% | 2,278 |
| Tier 1 risk-based capital ratio | 12.8157% | 3,971 |
| Total risk-based capital ratio | 13.7447% | 4,042 |
| Memoranda: | ||
| Average total assets | $3,290,394,500 | 304 |
| Average earning assets | $3,092,544,000 | 297 |
| Average equity | $362,488,000 | 313 |
| Average total loans | $2,539,293,500 | 287 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 3,509 |
| Cost of funding earning assets | 0.4944% | 3,395 |
| Net interest margin | 3.6798% | 3,116 |
| Noninterest income to average assets | 1.4027% | 463 |
| Noninterest expense to average assets | 2.5946% | 3,353 |
| Loan and lease loss provision to assets | 0.0822% | 2,488 |
| Net operating income to assets | 1.7801% | 578 |
| Return on assets (ROA) | 1.7800% | 573 |
| Pretax return on assets | 2.1975% | 358 |
| Return on Equity (ROE) | 17.4257% | 446 |
| Retained earnings to average equity (ytd only) | 11.0622% | 427 |
| Net charge-offs to loans | 0.0816% | 1,972 |
| Credit loss provision to net charge-offs | 131.5661% | 2,011 |
| Earnings coverage of net charge-offs (x) | 36.5078% | 1,416 |
| Efficiency ratio | 53.1251% | 4,706 |
| Assets per employee ($millions) | 5.5857% | 1,878 |
| Cash dividends to net income (ytd only)* | 36.5177% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,676 |
| Loan loss allowance to noncurrent loans | 723.3428% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 4,132 |
| Noncurrent loans to loans | 0.1384% | 4,118 |
| Net loans and leases to total assets | 76.4680% | 1,527 |
| Net loans and leases to deposits | 90.0893% | 1,786 |
| Net loans and leases to core deposits | 92.8629% | 2,333 |
| Total domestic deposits to total assets | 84.8802% | 2,692 |
| Equity capital to assets | 10.7877% | 2,892 |
| Core capital (leverage) ratio | 11.0212% | 2,505 |
| Tier 1 risk-based capital ratio | 12.6528% | 4,046 |
| Total risk-based capital ratio | 13.5632% | 4,114 |
| Memoranda: | ||
| Average total assets | $3,292,607,400 | 303 |
| Average earning assets | $3,106,161,200 | 292 |
| Average equity | $336,342,200 | 324 |
| Average total loans | $2,519,259,200 | 281 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,733 |
| Cost of funding earning assets | 0.4407% | 3,595 |
| Net interest margin | 3.6269% | 3,276 |
| Noninterest income to average assets | 1.4202% | 469 |
| Noninterest expense to average assets | 2.5494% | 3,445 |
| Loan and lease loss provision to assets | 0.1096% | 1,840 |
| Net operating income to assets | 1.7349% | 695 |
| Return on assets (ROA) | 1.7348% | 701 |
| Pretax return on assets | 2.1842% | 407 |
| Return on Equity (ROE) | 17.2252% | 517 |
| Retained earnings to average equity (ytd only) | 10.8471% | 682 |
| Net charge-offs to loans | 0.1257% | 1,259 |
| Credit loss provision to net charge-offs | 114.2314% | 2,058 |
| Earnings coverage of net charge-offs (x) | 23.9067% | 1,834 |
| Efficiency ratio | 52.5320% | 4,755 |
| Assets per employee ($millions) | 5.6041% | 1,822 |
| Cash dividends to net income (ytd only)* | 37.0276% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 3,806 |
| Loan loss allowance to noncurrent loans | 497.9664% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 3,941 |
| Noncurrent loans to loans | 0.1996% | 3,997 |
| Net loans and leases to total assets | 75.5849% | 1,717 |
| Net loans and leases to deposits | 96.3850% | 1,105 |
| Net loans and leases to core deposits | 99.4190% | 1,839 |
| Total domestic deposits to total assets | 78.4198% | 4,415 |
| Equity capital to assets | 10.3026% | 3,333 |
| Core capital (leverage) ratio | 11.0767% | 2,507 |
| Tier 1 risk-based capital ratio | 12.2499% | 4,349 |
| Total risk-based capital ratio | 13.1462% | 4,435 |
| Memoranda: | ||
| Average total assets | $3,290,470,250 | 300 |
| Average earning assets | $3,105,609,250 | 292 |
| Average equity | $331,398,000 | 323 |
| Average total loans | $2,511,608,750 | 280 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 3,841 |
| Cost of funding earning assets | 0.3718% | 3,929 |
| Net interest margin | 3.6081% | 3,275 |
| Noninterest income to average assets | 1.4095% | 475 |
| Noninterest expense to average assets | 2.5381% | 3,520 |
| Loan and lease loss provision to assets | 0.1201% | 1,642 |
| Net operating income to assets | 1.7210% | 696 |
| Return on assets (ROA) | 1.7210% | 696 |
| Pretax return on assets | 2.1639% | 416 |
| Return on Equity (ROE) | 17.2211% | 499 |
| Retained earnings to average equity (ytd only) | 10.8422% | 702 |
| Net charge-offs to loans | 0.1584% | 976 |
| Credit loss provision to net charge-offs | 99.3946% | 2,075 |
| Earnings coverage of net charge-offs (x) | 18.8971% | 1,874 |
| Efficiency ratio | 52.5255% | 4,833 |
| Assets per employee ($millions) | 5.7181% | 1,705 |
| Cash dividends to net income (ytd only)* | 37.0411% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 4,045 |
| Loan loss allowance to noncurrent loans | 371.4606% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 3,941 |
| Noncurrent loans to loans | 0.2595% | 3,774 |
| Net loans and leases to total assets | 76.9124% | 1,482 |
| Net loans and leases to deposits | 100.2489% | 790 |
| Net loans and leases to core deposits | 101.9954% | 1,563 |
| Total domestic deposits to total assets | 76.7214% | 4,768 |
| Equity capital to assets | 10.0769% | 3,554 |
| Core capital (leverage) ratio | 10.8479% | 2,661 |
| Tier 1 risk-based capital ratio | 11.8194% | 4,608 |
| Total risk-based capital ratio | 12.6956% | 4,712 |
| Memoranda: | ||
| Average total assets | $3,279,554,670 | 298 |
| Average earning assets | $3,102,014,670 | 289 |
| Average equity | $327,737,670 | 321 |
| Average total loans | $2,503,120,670 | 280 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 4,053 |
| Cost of funding earning assets | 0.3161% | 4,226 |
| Net interest margin | 3.5425% | 3,374 |
| Noninterest income to average assets | 1.3825% | 484 |
| Noninterest expense to average assets | 2.5027% | 3,634 |
| Loan and lease loss provision to assets | 0.0902% | 2,001 |
| Net operating income to assets | 1.6984% | 692 |
| Return on assets (ROA) | 1.6984% | 701 |
| Pretax return on assets | 2.1410% | 427 |
| Return on Equity (ROE) | 17.0675% | 503 |
| Retained earnings to average equity (ytd only) | 10.6237% | 985 |
| Net charge-offs to loans | 0.2300% | 652 |
| Credit loss provision to net charge-offs | 51.8701% | 1,935 |
| Earnings coverage of net charge-offs (x) | 12.8271% | 1,787 |
| Efficiency ratio | 52.7514% | 4,903 |
| Assets per employee ($millions) | 5.5728% | 1,872 |
| Cash dividends to net income (ytd only)* | 37.7548% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 4,162 |
| Loan loss allowance to noncurrent loans | 207.8224% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 3,374 |
| Noncurrent loans to loans | 0.4627% | 3,141 |
| Net loans and leases to total assets | 75.9352% | 1,552 |
| Net loans and leases to deposits | 96.5155% | 976 |
| Net loans and leases to core deposits | 97.7907% | 1,846 |
| Total domestic deposits to total assets | 78.6768% | 4,629 |
| Equity capital to assets | 9.9568% | 3,637 |
| Core capital (leverage) ratio | 10.7073% | 2,731 |
| Tier 1 risk-based capital ratio | 11.7861% | 4,692 |
| Total risk-based capital ratio | 12.6602% | 4,812 |
| Memoranda: | ||
| Average total assets | $3,258,219,500 | 299 |
| Average earning assets | $3,082,661,000 | 290 |
| Average equity | $324,218,500 | 328 |
| Average total loans | $2,464,642,500 | 282 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 4,138 |
| Cost of funding earning assets | 0.2466% | 4,594 |
| Net interest margin | 3.5267% | 3,440 |
| Noninterest income to average assets | 1.4934% | 472 |
| Noninterest expense to average assets | 2.8563% | 2,592 |
| Loan and lease loss provision to assets | 0.0818% | 2,561 |
| Net operating income to assets | 1.2638% | 1,315 |
| Return on assets (ROA) | 1.2588% | 1,355 |
| Pretax return on assets | 1.8724% | 644 |
| Return on Equity (ROE) | 12.5239% | 1,073 |
| Retained earnings to average equity (ytd only) | 6.7266% | 1,185 |
| Net charge-offs to loans | 0.0718% | 2,422 |
| Credit loss provision to net charge-offs | 152.5120% | 1,752 |
| Earnings coverage of net charge-offs (x) | 36.5652% | 1,334 |
| Efficiency ratio | 59.1639% | 4,388 |
| Assets per employee ($millions) | 5.5759% | 1,865 |
| Cash dividends to net income (ytd only)* | 46.2899% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 3,731 |
| Loan loss allowance to noncurrent loans | 377.2741% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 3,745 |
| Noncurrent loans to loans | 0.2734% | 3,806 |
| Net loans and leases to total assets | 73.8302% | 1,946 |
| Net loans and leases to deposits | 92.2250% | 1,488 |
| Net loans and leases to core deposits | 93.6149% | 2,230 |
| Total domestic deposits to total assets | 80.0545% | 4,324 |
| Equity capital to assets | 9.9447% | 3,765 |
| Core capital (leverage) ratio | 10.3200% | 3,049 |
| Tier 1 risk-based capital ratio | 12.1228% | 4,444 |
| Total risk-based capital ratio | 13.0710% | 4,534 |
| Memoranda: | ||
| Average total assets | $3,116,519,000 | 298 |
| Average earning assets | $2,937,914,600 | 287 |
| Average equity | $313,248,000 | 326 |
| Average total loans | $2,330,285,000 | 283 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,181 |
| Cost of funding earning assets | 0.2375% | 4,674 |
| Net interest margin | 3.5120% | 3,459 |
| Noninterest income to average assets | 1.4893% | 488 |
| Noninterest expense to average assets | 2.6980% | 3,072 |
| Loan and lease loss provision to assets | 0.0713% | 2,652 |
| Net operating income to assets | 1.4286% | 1,028 |
| Return on assets (ROA) | 1.4295% | 1,046 |
| Pretax return on assets | 2.0290% | 518 |
| Return on Equity (ROE) | 14.1829% | 800 |
| Retained earnings to average equity (ytd only) | 8.4581% | 1,034 |
| Net charge-offs to loans | 0.0409% | 2,620 |
| Credit loss provision to net charge-offs | 232.7221% | 1,200 |
| Earnings coverage of net charge-offs (x) | 68.5444% | 907 |
| Efficiency ratio | 56.1224% | 4,724 |
| Assets per employee ($millions) | 5.4290% | 1,993 |
| Cash dividends to net income (ytd only)* | 40.3638% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 3,698 |
| Loan loss allowance to noncurrent loans | 402.9721% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 3,947 |
| Noncurrent loans to loans | 0.2645% | 4,013 |
| Net loans and leases to total assets | 73.4153% | 2,019 |
| Net loans and leases to deposits | 93.1333% | 1,409 |
| Net loans and leases to core deposits | 94.3963% | 2,234 |
| Total domestic deposits to total assets | 78.8282% | 4,566 |
| Equity capital to assets | 10.1984% | 3,694 |
| Core capital (leverage) ratio | 10.6055% | 2,872 |
| Tier 1 risk-based capital ratio | 12.2343% | 4,472 |
| Total risk-based capital ratio | 13.1993% | 4,539 |
| Memoranda: | ||
| Average total assets | $3,087,137,500 | 302 |
| Average earning assets | $2,907,520,000 | 291 |
| Average equity | $311,155,750 | 325 |
| Average total loans | $2,309,709,250 | 284 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7165% | 4,174 |
| Cost of funding earning assets | 0.2238% | 4,770 |
| Net interest margin | 3.4926% | 3,427 |
| Noninterest income to average assets | 1.5015% | 481 |
| Noninterest expense to average assets | 2.7069% | 3,070 |
| Loan and lease loss provision to assets | 0.0979% | 2,050 |
| Net operating income to assets | 1.3833% | 1,103 |
| Return on assets (ROA) | 1.3833% | 1,126 |
| Pretax return on assets | 1.9870% | 542 |
| Return on Equity (ROE) | 13.7801% | 852 |
| Retained earnings to average equity (ytd only) | 8.0463% | 1,146 |
| Net charge-offs to loans | 0.0341% | 2,508 |
| Credit loss provision to net charge-offs | 382.6531% | 805 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 755 |
| Efficiency ratio | 56.3654% | 4,785 |
| Assets per employee ($millions) | 5.3423% | 2,016 |
| Cash dividends to net income (ytd only)* | 41.6097% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,661 |
| Loan loss allowance to noncurrent loans | 482.8879% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 4,052 |
| Noncurrent loans to loans | 0.2249% | 4,224 |
| Net loans and leases to total assets | 73.1984% | 2,006 |
| Net loans and leases to deposits | 92.1257% | 1,476 |
| Net loans and leases to core deposits | 93.4520% | 2,203 |
| Total domestic deposits to total assets | 79.4549% | 4,521 |
| Equity capital to assets | 10.0550% | 3,846 |
| Core capital (leverage) ratio | 10.4801% | 2,940 |
| Tier 1 risk-based capital ratio | 12.0768% | 4,586 |
| Total risk-based capital ratio | 13.0586% | 4,644 |
| Memoranda: | ||
| Average total assets | $3,064,760,330 | 305 |
| Average earning assets | $2,887,154,670 | 291 |
| Average equity | $307,646,330 | 330 |
| Average total loans | $2,299,390,670 | 289 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,022 |
| Cost of funding earning assets | 0.2028% | 4,957 |
| Net interest margin | 3.5242% | 3,183 |
| Noninterest income to average assets | 1.4647% | 504 |
| Noninterest expense to average assets | 2.7299% | 3,031 |
| Loan and lease loss provision to assets | 0.1186% | 1,611 |
| Net operating income to assets | 1.3532% | 1,108 |
| Return on assets (ROA) | 1.3532% | 1,145 |
| Pretax return on assets | 1.9361% | 575 |
| Return on Equity (ROE) | 13.4925% | 905 |
| Retained earnings to average equity (ytd only) | 7.8410% | 1,528 |
| Net charge-offs to loans | 0.0743% | 1,590 |
| Credit loss provision to net charge-offs | 211.2676% | 982 |
| Earnings coverage of net charge-offs (x) | 36.5915% | 1,091 |
| Efficiency ratio | 56.9260% | 4,842 |
| Assets per employee ($millions) | 5.2097% | 2,171 |
| Cash dividends to net income (ytd only)* | 41.8858% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 3,854 |
| Loan loss allowance to noncurrent loans | 476.3767% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 3,989 |
| Noncurrent loans to loans | 0.2257% | 4,303 |
| Net loans and leases to total assets | 74.2811% | 1,693 |
| Net loans and leases to deposits | 88.3554% | 1,751 |
| Net loans and leases to core deposits | 89.6874% | 2,377 |
| Total domestic deposits to total assets | 84.0708% | 3,451 |
| Equity capital to assets | 10.1489% | 3,572 |
| Core capital (leverage) ratio | 10.2463% | 3,201 |
| Tier 1 risk-based capital ratio | 12.0750% | 4,664 |
| Total risk-based capital ratio | 13.0536% | 4,755 |
| Memoranda: | ||
| Average total assets | $3,034,514,500 | 310 |
| Average earning assets | $2,858,658,500 | 296 |
| Average equity | $304,347,000 | 331 |
| Average total loans | $2,292,712,000 | 293 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 4,100 |
| Cost of funding earning assets | 0.1799% | 5,216 |
| Net interest margin | 3.5578% | 3,225 |
| Noninterest income to average assets | 1.5327% | 514 |
| Noninterest expense to average assets | 2.7648% | 3,141 |
| Loan and lease loss provision to assets | 0.1033% | 2,319 |
| Net operating income to assets | 1.4561% | 906 |
| Return on assets (ROA) | 1.4561% | 930 |
| Pretax return on assets | 2.0151% | 483 |
| Return on Equity (ROE) | 14.4777% | 704 |
| Retained earnings to average equity (ytd only) | 8.9478% | 599 |
| Net charge-offs to loans | 0.0660% | 2,751 |
| Credit loss provision to net charge-offs | 209.2050% | 1,357 |
| Earnings coverage of net charge-offs (x) | 42.8898% | 1,124 |
| Efficiency ratio | 56.4794% | 5,018 |
| Assets per employee ($millions) | 5.2543% | 2,111 |
| Cash dividends to net income (ytd only)* | 38.1961% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 4,077 |
| Loan loss allowance to noncurrent loans | 393.5574% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 3,812 |
| Noncurrent loans to loans | 0.2642% | 4,207 |
| Net loans and leases to total assets | 75.2292% | 1,650 |
| Net loans and leases to deposits | 90.3888% | 1,637 |
| Net loans and leases to core deposits | 91.8763% | 2,313 |
| Total domestic deposits to total assets | 83.2285% | 3,689 |
| Equity capital to assets | 9.9103% | 3,808 |
| Core capital (leverage) ratio | 10.1141% | 3,347 |
| Tier 1 risk-based capital ratio | 11.6320% | 4,967 |
| Total risk-based capital ratio | 12.5732% | 5,060 |
| Memoranda: | ||
| Average total assets | $2,903,248,400 | 304 |
| Average earning assets | $2,734,135,600 | 292 |
| Average equity | $291,993,800 | 329 |
| Average total loans | $2,171,588,400 | 289 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 4,112 |
| Cost of funding earning assets | 0.1789% | 5,273 |
| Net interest margin | 3.5627% | 3,221 |
| Noninterest income to average assets | 1.5349% | 518 |
| Noninterest expense to average assets | 2.7499% | 3,180 |
| Loan and lease loss provision to assets | 0.1161% | 1,991 |
| Net operating income to assets | 1.4661% | 946 |
| Return on assets (ROA) | 1.4661% | 989 |
| Pretax return on assets | 2.0230% | 545 |
| Return on Equity (ROE) | 14.5212% | 738 |
| Retained earnings to average equity (ytd only) | 9.0697% | 799 |
| Net charge-offs to loans | 0.0357% | 2,915 |
| Credit loss provision to net charge-offs | 437.0629% | 788 |
| Earnings coverage of net charge-offs (x) | 80.4963% | 781 |
| Efficiency ratio | 56.1045% | 5,055 |
| Assets per employee ($millions) | 5.2619% | 2,083 |
| Cash dividends to net income (ytd only)* | 37.5416% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,867 |
| Loan loss allowance to noncurrent loans | 304.3082% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 3,644 |
| Noncurrent loans to loans | 0.3593% | 3,971 |
| Net loans and leases to total assets | 75.0755% | 1,690 |
| Net loans and leases to deposits | 91.9936% | 1,501 |
| Net loans and leases to core deposits | 93.3535% | 2,248 |
| Total domestic deposits to total assets | 81.6095% | 4,073 |
| Equity capital to assets | 10.2345% | 3,876 |
| Core capital (leverage) ratio | 10.2577% | 3,271 |
| Tier 1 risk-based capital ratio | 11.6626% | 5,001 |
| Total risk-based capital ratio | 12.6401% | 5,062 |
| Memoranda: | ||
| Average total assets | $2,869,808,750 | 307 |
| Average earning assets | $2,701,905,750 | 294 |
| Average equity | $289,748,000 | 330 |
| Average total loans | $2,137,304,500 | 292 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,228 |
| Cost of funding earning assets | 0.1822% | 5,301 |
| Net interest margin | 3.5367% | 3,342 |
| Noninterest income to average assets | 1.5185% | 522 |
| Noninterest expense to average assets | 2.7576% | 3,170 |
| Loan and lease loss provision to assets | 0.0878% | 2,391 |
| Net operating income to assets | 1.4542% | 963 |
| Return on assets (ROA) | 1.4542% | 1,015 |
| Pretax return on assets | 2.0037% | 563 |
| Return on Equity (ROE) | 14.4714% | 752 |
| Retained earnings to average equity (ytd only) | 9.0396% | 836 |
| Net charge-offs to loans | 0.0522% | 2,455 |
| Credit loss provision to net charge-offs | 227.2727% | 1,189 |
| Earnings coverage of net charge-offs (x) | 54.1455% | 941 |
| Efficiency ratio | 56.7218% | 5,055 |
| Assets per employee ($millions) | 5.2954% | 1,987 |
| Cash dividends to net income (ytd only)* | 37.5350% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 4,166 |
| Loan loss allowance to noncurrent loans | 410.8113% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 4,014 |
| Noncurrent loans to loans | 0.2581% | 4,431 |
| Net loans and leases to total assets | 74.2634% | 1,793 |
| Net loans and leases to deposits | 91.6533% | 1,560 |
| Net loans and leases to core deposits | 92.9996% | 2,257 |
| Total domestic deposits to total assets | 81.0265% | 4,268 |
| Equity capital to assets | 10.1381% | 4,041 |
| Core capital (leverage) ratio | 10.1043% | 3,444 |
| Tier 1 risk-based capital ratio | 11.6626% | 5,051 |
| Total risk-based capital ratio | 12.6172% | 5,136 |
| Memoranda: | ||
| Average total assets | $2,847,695,330 | 307 |
| Average earning assets | $2,681,750,670 | 293 |
| Average equity | $286,164,000 | 330 |
| Average total loans | $2,106,839,670 | 295 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 4,242 |
| Cost of funding earning assets | 0.1855% | 5,322 |
| Net interest margin | 3.5363% | 3,333 |
| Noninterest income to average assets | 1.4931% | 504 |
| Noninterest expense to average assets | 2.7558% | 3,218 |
| Loan and lease loss provision to assets | 0.0710% | 2,532 |
| Net operating income to assets | 1.4487% | 946 |
| Return on assets (ROA) | 1.4487% | 989 |
| Pretax return on assets | 1.9978% | 574 |
| Return on Equity (ROE) | 14.4828% | 750 |
| Retained earnings to average equity (ytd only) | 9.1969% | 1,051 |
| Net charge-offs to loans | 0.0947% | 1,567 |
| Credit loss provision to net charge-offs | 102.0408% | 1,594 |
| Earnings coverage of net charge-offs (x) | 29.7429% | 1,188 |
| Efficiency ratio | 56.9672% | 5,096 |
| Assets per employee ($millions) | 5.1307% | 2,205 |
| Cash dividends to net income (ytd only)* | 36.4981% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 4,226 |
| Loan loss allowance to noncurrent loans | 273.2928% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 3,718 |
| Noncurrent loans to loans | 0.3915% | 4,035 |
| Net loans and leases to total assets | 73.5727% | 1,804 |
| Net loans and leases to deposits | 87.5307% | 1,880 |
| Net loans and leases to core deposits | 88.9002% | 2,468 |
| Total domestic deposits to total assets | 84.0535% | 3,498 |
| Equity capital to assets | 10.1627% | 3,885 |
| Core capital (leverage) ratio | 10.0165% | 3,523 |
| Tier 1 risk-based capital ratio | 11.8472% | 5,014 |
| Total risk-based capital ratio | 12.8082% | 5,101 |
| Memoranda: | ||
| Average total assets | $2,817,947,500 | 304 |
| Average earning assets | $2,654,675,000 | 292 |
| Average equity | $281,879,000 | 329 |
| Average total loans | $2,069,199,500 | 293 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 3,958 |
| Cost of funding earning assets | 0.1993% | 5,292 |
| Net interest margin | 3.6279% | 3,025 |
| Noninterest income to average assets | 1.5514% | 523 |
| Noninterest expense to average assets | 2.7435% | 3,433 |
| Loan and lease loss provision to assets | 0.0289% | 3,793 |
| Net operating income to assets | 1.4888% | 885 |
| Return on assets (ROA) | 1.4888% | 914 |
| Pretax return on assets | 2.1799% | 361 |
| Return on Equity (ROE) | 14.5209% | 760 |
| Retained earnings to average equity (ytd only) | 9.1719% | 618 |
| Net charge-offs to loans | 0.1671% | 1,691 |
| Credit loss provision to net charge-offs | 23.2270% | 3,720 |
| Earnings coverage of net charge-offs (x) | 17.7662% | 2,051 |
| Efficiency ratio | 55.2293% | 5,416 |
| Assets per employee ($millions) | 5.0703% | 2,281 |
| Cash dividends to net income (ytd only)* | 36.8367% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 4,049 |
| Loan loss allowance to noncurrent loans | 281.8159% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4443% | 3,835 |
| Noncurrent loans to loans | 0.3904% | 4,054 |
| Net loans and leases to total assets | 71.6903% | 2,106 |
| Net loans and leases to deposits | 84.8552% | 2,259 |
| Net loans and leases to core deposits | 86.2883% | 2,773 |
| Total domestic deposits to total assets | 84.4854% | 3,293 |
| Equity capital to assets | 9.8429% | 4,141 |
| Core capital (leverage) ratio | 10.1887% | 3,274 |
| Tier 1 risk-based capital ratio | 11.9225% | 5,006 |
| Total risk-based capital ratio | 12.9133% | 5,067 |
| Memoranda: | ||
| Average total assets | $2,597,255,000 | 311 |
| Average earning assets | $2,434,684,000 | 298 |
| Average equity | $266,291,200 | 330 |
| Average total loans | $1,932,073,000 | 296 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8724% | 3,845 |
| Cost of funding earning assets | 0.2036% | 5,346 |
| Net interest margin | 3.6688% | 2,891 |
| Noninterest income to average assets | 1.5727% | 510 |
| Noninterest expense to average assets | 2.7980% | 3,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5014% | 919 |
| Return on assets (ROA) | 1.5014% | 953 |
| Pretax return on assets | 2.2090% | 403 |
| Return on Equity (ROE) | 14.4837% | 814 |
| Retained earnings to average equity (ytd only) | 9.1615% | 849 |
| Net charge-offs to loans | 0.2314% | 1,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 12.7444% | 2,377 |
| Efficiency ratio | 55.7083% | 5,389 |
| Assets per employee ($millions) | 4.8016% | 2,560 |
| Cash dividends to net income (ytd only)* | 36.7462% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 4,212 |
| Loan loss allowance to noncurrent loans | 210.5396% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 3,596 |
| Noncurrent loans to loans | 0.5238% | 3,772 |
| Net loans and leases to total assets | 73.9366% | 1,741 |
| Net loans and leases to deposits | 90.2928% | 1,603 |
| Net loans and leases to core deposits | 91.7470% | 2,289 |
| Total domestic deposits to total assets | 81.8853% | 4,202 |
| Equity capital to assets | 10.4187% | 3,690 |
| Core capital (leverage) ratio | 10.5249% | 3,019 |
| Tier 1 risk-based capital ratio | 12.3370% | 4,863 |
| Total risk-based capital ratio | 13.3458% | 4,938 |
| Memoranda: | ||
| Average total assets | $2,543,061,750 | 319 |
| Average earning assets | $2,380,555,500 | 308 |
| Average equity | $263,618,750 | 338 |
| Average total loans | $1,905,135,000 | 300 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 3,712 |
| Cost of funding earning assets | 0.2066% | 5,383 |
| Net interest margin | 3.6892% | 2,759 |
| Noninterest income to average assets | 1.5975% | 505 |
| Noninterest expense to average assets | 2.8335% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5058% | 886 |
| Return on assets (ROA) | 1.5058% | 930 |
| Pretax return on assets | 2.2143% | 403 |
| Return on Equity (ROE) | 14.5513% | 811 |
| Retained earnings to average equity (ytd only) | 9.2104% | 854 |
| Net charge-offs to loans | 0.1709% | 1,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 17.2860% | 1,862 |
| Efficiency ratio | 55.9545% | 5,432 |
| Assets per employee ($millions) | 4.6095% | 2,816 |
| Cash dividends to net income (ytd only)* | 36.7038% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 3,660 |
| Loan loss allowance to noncurrent loans | 245.3215% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 3,757 |
| Noncurrent loans to loans | 0.4981% | 3,972 |
| Net loans and leases to total assets | 75.9810% | 1,371 |
| Net loans and leases to deposits | 90.7485% | 1,507 |
| Net loans and leases to core deposits | 92.2898% | 2,129 |
| Total domestic deposits to total assets | 83.7270% | 3,677 |
| Equity capital to assets | 10.6951% | 3,216 |
| Core capital (leverage) ratio | 10.5512% | 2,893 |
| Tier 1 risk-based capital ratio | 12.3949% | 4,879 |
| Total risk-based capital ratio | 13.5038% | 4,871 |
| Memoranda: | ||
| Average total assets | $2,516,857,000 | 323 |
| Average earning assets | $2,353,873,000 | 309 |
| Average equity | $260,443,670 | 342 |
| Average total loans | $1,886,849,330 | 299 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 3,812 |
| Cost of funding earning assets | 0.2078% | 5,435 |
| Net interest margin | 3.6454% | 2,829 |
| Noninterest income to average assets | 1.5558% | 506 |
| Noninterest expense to average assets | 2.7362% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5173% | 817 |
| Return on assets (ROA) | 1.5173% | 862 |
| Pretax return on assets | 2.2298% | 365 |
| Return on Equity (ROE) | 14.9072% | 723 |
| Retained earnings to average equity (ytd only) | 9.6369% | 1,008 |
| Net charge-offs to loans | 0.0081% | 3,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 371.9211% | 152 |
| Efficiency ratio | 54.9117% | 5,603 |
| Assets per employee ($millions) | 4.7085% | 2,751 |
| Cash dividends to net income (ytd only)* | 35.3541% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 3,292 |
| Loan loss allowance to noncurrent loans | 468.4111% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 4,252 |
| Noncurrent loans to loans | 0.2825% | 4,762 |
| Net loans and leases to total assets | 73.9442% | 1,513 |
| Net loans and leases to deposits | 87.8456% | 1,627 |
| Net loans and leases to core deposits | 89.5986% | 2,167 |
| Total domestic deposits to total assets | 84.1752% | 3,749 |
| Equity capital to assets | 10.4433% | 3,595 |
| Core capital (leverage) ratio | 10.2079% | 3,331 |
| Tier 1 risk-based capital ratio | 12.3815% | 4,987 |
| Total risk-based capital ratio | 13.5802% | 4,937 |
| Memoranda: | ||
| Average total assets | $2,535,318,500 | 319 |
| Average earning assets | $2,371,786,000 | 306 |
| Average equity | $258,049,500 | 343 |
| Average total loans | $1,876,480,500 | 296 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 3,898 |
| Cost of funding earning assets | 0.2365% | 5,459 |
| Net interest margin | 3.7186% | 2,936 |
| Noninterest income to average assets | 1.6702% | 459 |
| Noninterest expense to average assets | 2.9834% | 2,892 |
| Loan and lease loss provision to assets | -0.0165% | 5,930 |
| Net operating income to assets | 1.4909% | 896 |
| Return on assets (ROA) | 1.4906% | 935 |
| Pretax return on assets | 2.1637% | 350 |
| Return on Equity (ROE) | 15.3546% | 720 |
| Retained earnings to average equity (ytd only) | 13.9507% | 179 |
| Net charge-offs to loans | 0.1795% | 2,233 |
| Credit loss provision to net charge-offs | -12.4922% | 5,324 |
| Earnings coverage of net charge-offs (x) | 16.2395% | 2,025 |
| Efficiency ratio | 57.8777% | 5,470 |
| Assets per employee ($millions) | 4.8874% | 2,477 |
| Cash dividends to net income (ytd only)* | 9.1433% | 4,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 3,262 |
| Loan loss allowance to noncurrent loans | 448.6856% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 4,316 |
| Noncurrent loans to loans | 0.2966% | 4,787 |
| Net loans and leases to total assets | 72.1370% | 1,889 |
| Net loans and leases to deposits | 86.8722% | 1,862 |
| Net loans and leases to core deposits | 88.8190% | 2,403 |
| Total domestic deposits to total assets | 83.0380% | 4,066 |
| Equity capital to assets | 9.9184% | 4,216 |
| Core capital (leverage) ratio | 10.0375% | 3,524 |
| Tier 1 risk-based capital ratio | 12.3577% | 5,122 |
| Total risk-based capital ratio | 13.5924% | 5,044 |
| Memoranda: | ||
| Average total assets | $2,421,311,600 | 313 |
| Average earning assets | $2,253,457,200 | 304 |
| Average equity | $235,057,000 | 353 |
| Average total loans | $1,784,232,800 | 289 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 3,810 |
| Cost of funding earning assets | 0.2442% | 5,464 |
| Net interest margin | 3.7427% | 2,847 |
| Noninterest income to average assets | 1.7061% | 453 |
| Noninterest expense to average assets | 2.9906% | 2,831 |
| Loan and lease loss provision to assets | -0.0223% | 6,113 |
| Net operating income to assets | 1.5096% | 920 |
| Return on assets (ROA) | 1.5093% | 951 |
| Pretax return on assets | 2.2170% | 354 |
| Return on Equity (ROE) | 15.6382% | 725 |
| Retained earnings to average equity (ytd only) | 13.7279% | 267 |
| Net charge-offs to loans | 0.0755% | 3,119 |
| Credit loss provision to net charge-offs | -40.0802% | 5,323 |
| Earnings coverage of net charge-offs (x) | 39.3678% | 1,141 |
| Efficiency ratio | 57.3759% | 5,528 |
| Assets per employee ($millions) | 4.5639% | 2,861 |
| Cash dividends to net income (ytd only)* | 12.2159% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 2,628 |
| Loan loss allowance to noncurrent loans | 193.0396% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 3,716 |
| Noncurrent loans to loans | 0.7852% | 3,617 |
| Net loans and leases to total assets | 73.2727% | 1,634 |
| Net loans and leases to deposits | 87.5333% | 1,726 |
| Net loans and leases to core deposits | 89.2347% | 2,293 |
| Total domestic deposits to total assets | 83.7084% | 3,876 |
| Equity capital to assets | 10.1228% | 4,023 |
| Core capital (leverage) ratio | 10.0687% | 3,571 |
| Tier 1 risk-based capital ratio | 12.2774% | 5,316 |
| Total risk-based capital ratio | 13.5291% | 5,237 |
| Memoranda: | ||
| Average total assets | $2,386,386,000 | 314 |
| Average earning assets | $2,218,691,500 | 301 |
| Average equity | $230,318,500 | 351 |
| Average total loans | $1,762,201,250 | 288 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 3,935 |
| Cost of funding earning assets | 0.2474% | 5,513 |
| Net interest margin | 3.7013% | 2,958 |
| Noninterest income to average assets | 1.7313% | 430 |
| Noninterest expense to average assets | 2.9786% | 2,908 |
| Loan and lease loss provision to assets | 0.1428% | 1,733 |
| Net operating income to assets | 1.4043% | 1,050 |
| Return on assets (ROA) | 1.4038% | 1,092 |
| Pretax return on assets | 2.0467% | 496 |
| Return on Equity (ROE) | 14.7883% | 826 |
| Retained earnings to average equity (ytd only) | 11.8671% | 436 |
| Net charge-offs to loans | 0.0526% | 3,214 |
| Credit loss provision to net charge-offs | 368.7636% | 737 |
| Earnings coverage of net charge-offs (x) | 56.5423% | 839 |
| Efficiency ratio | 57.2773% | 5,633 |
| Assets per employee ($millions) | 4.5585% | 2,830 |
| Cash dividends to net income (ytd only)* | 19.7534% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 2,294 |
| Loan loss allowance to noncurrent loans | 217.6148% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 3,914 |
| Noncurrent loans to loans | 0.7581% | 3,808 |
| Net loans and leases to total assets | 73.7153% | 1,473 |
| Net loans and leases to deposits | 89.0030% | 1,477 |
| Net loans and leases to core deposits | 90.7857% | 2,049 |
| Total domestic deposits to total assets | 82.8234% | 4,375 |
| Equity capital to assets | 9.7045% | 4,484 |
| Core capital (leverage) ratio | 9.7470% | 3,969 |
| Tier 1 risk-based capital ratio | 11.7912% | 5,644 |
| Total risk-based capital ratio | 13.0446% | 5,582 |
| Memoranda: | ||
| Average total assets | $2,380,127,670 | 313 |
| Average earning assets | $2,210,533,670 | 302 |
| Average equity | $225,934,670 | 355 |
| Average total loans | $1,753,118,000 | 287 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9241% | 3,997 |
| Cost of funding earning assets | 0.2499% | 5,580 |
| Net interest margin | 3.6742% | 2,972 |
| Noninterest income to average assets | 1.7374% | 423 |
| Noninterest expense to average assets | 3.0474% | 2,703 |
| Loan and lease loss provision to assets | 0.0592% | 2,923 |
| Net operating income to assets | 1.4110% | 969 |
| Return on assets (ROA) | 1.4110% | 1,012 |
| Pretax return on assets | 2.0501% | 476 |
| Return on Equity (ROE) | 15.0355% | 767 |
| Retained earnings to average equity (ytd only) | 15.0355% | 314 |
| Net charge-offs to loans | 0.0651% | 2,502 |
| Credit loss provision to net charge-offs | 124.5552% | 1,422 |
| Earnings coverage of net charge-offs (x) | 44.4128% | 823 |
| Efficiency ratio | 58.6149% | 5,590 |
| Assets per employee ($millions) | 4.5018% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 2,510 |
| Loan loss allowance to noncurrent loans | 196.6098% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 3,891 |
| Noncurrent loans to loans | 0.8395% | 3,788 |
| Net loans and leases to total assets | 72.4962% | 1,495 |
| Net loans and leases to deposits | 85.5307% | 1,654 |
| Net loans and leases to core deposits | 87.5022% | 2,146 |
| Total domestic deposits to total assets | 84.7604% | 3,966 |
| Equity capital to assets | 9.6731% | 4,262 |
| Core capital (leverage) ratio | 9.6104% | 4,117 |
| Tier 1 risk-based capital ratio | 11.9896% | 5,654 |
| Total risk-based capital ratio | 13.2430% | 5,581 |
| Memoranda: | ||
| Average total assets | $2,366,754,500 | 315 |
| Average earning assets | $2,202,490,000 | 305 |
| Average equity | $222,115,000 | 359 |
| Average total loans | $1,727,679,000 | 288 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1717% | 3,451 |
| Cost of funding earning assets | 0.2935% | 5,648 |
| Net interest margin | 3.8782% | 2,377 |
| Noninterest income to average assets | 1.7888% | 469 |
| Noninterest expense to average assets | 3.0580% | 2,875 |
| Loan and lease loss provision to assets | 0.2930% | 1,158 |
| Net operating income to assets | 1.4120% | 999 |
| Return on assets (ROA) | 1.4118% | 1,038 |
| Pretax return on assets | 2.0298% | 450 |
| Return on Equity (ROE) | 15.1489% | 736 |
| Retained earnings to average equity (ytd only) | 0.7474% | 5,502 |
| Net charge-offs to loans | 0.5958% | 1,106 |
| Credit loss provision to net charge-offs | 66.1015% | 3,402 |
| Earnings coverage of net charge-offs (x) | 5.2401% | 3,348 |
| Efficiency ratio | 56.5030% | 5,893 |
| Assets per employee ($millions) | 4.5926% | 2,728 |
| Cash dividends to net income (ytd only)* | 95.0661% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 2,549 |
| Loan loss allowance to noncurrent loans | 167.5301% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.9488% | 3,527 |
| Noncurrent loans to loans | 0.9880% | 3,544 |
| Net loans and leases to total assets | 71.0962% | 1,823 |
| Net loans and leases to deposits | 85.2243% | 1,789 |
| Net loans and leases to core deposits | 87.1919% | 2,326 |
| Total domestic deposits to total assets | 83.4225% | 4,388 |
| Equity capital to assets | 9.1005% | 4,923 |
| Core capital (leverage) ratio | 9.2408% | 4,652 |
| Tier 1 risk-based capital ratio | 11.6478% | 5,825 |
| Total risk-based capital ratio | 12.9013% | 5,763 |
| Memoranda: | ||
| Average total assets | $2,235,175,800 | 323 |
| Average earning assets | $2,070,334,600 | 315 |
| Average equity | $208,312,000 | 373 |
| Average total loans | $1,663,027,000 | 289 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 3,316 |
| Cost of funding earning assets | 0.3032% | 5,703 |
| Net interest margin | 3.9154% | 2,213 |
| Noninterest income to average assets | 1.8274% | 470 |
| Noninterest expense to average assets | 3.0778% | 2,735 |
| Loan and lease loss provision to assets | 0.3018% | 1,122 |
| Net operating income to assets | 1.4331% | 1,018 |
| Return on assets (ROA) | 1.4329% | 1,078 |
| Pretax return on assets | 2.0684% | 503 |
| Return on Equity (ROE) | 15.2770% | 754 |
| Retained earnings to average equity (ytd only) | -4.1248% | 6,448 |
| Net charge-offs to loans | 0.6364% | 967 |
| Credit loss provision to net charge-offs | 63.2469% | 3,221 |
| Earnings coverage of net charge-offs (x) | 4.9682% | 3,313 |
| Efficiency ratio | 56.2180% | 5,876 |
| Assets per employee ($millions) | 4.4756% | 2,921 |
| Cash dividends to net income (ytd only)* | 127.0003% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 2,648 |
| Loan loss allowance to noncurrent loans | 127.6868% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.2823% | 3,080 |
| Noncurrent loans to loans | 1.3252% | 3,205 |
| Net loans and leases to total assets | 73.7870% | 1,318 |
| Net loans and leases to deposits | 87.5865% | 1,420 |
| Net loans and leases to core deposits | 89.6177% | 2,010 |
| Total domestic deposits to total assets | 84.2448% | 4,087 |
| Equity capital to assets | 9.2484% | 4,862 |
| Core capital (leverage) ratio | 9.2328% | 4,786 |
| Tier 1 risk-based capital ratio | 11.2587% | 6,169 |
| Total risk-based capital ratio | 12.5126% | 6,130 |
| Memoranda: | ||
| Average total assets | $2,198,077,000 | 329 |
| Average earning assets | $2,032,690,500 | 322 |
| Average equity | $206,160,750 | 377 |
| Average total loans | $1,647,996,000 | 289 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 3,405 |
| Cost of funding earning assets | 0.3133% | 5,732 |
| Net interest margin | 3.8781% | 2,281 |
| Noninterest income to average assets | 1.8984% | 478 |
| Noninterest expense to average assets | 3.1187% | 2,609 |
| Loan and lease loss provision to assets | 0.3364% | 1,017 |
| Net operating income to assets | 1.3963% | 1,087 |
| Return on assets (ROA) | 1.3963% | 1,170 |
| Pretax return on assets | 2.0309% | 571 |
| Return on Equity (ROE) | 14.8146% | 841 |
| Retained earnings to average equity (ytd only) | -14.5232% | 6,749 |
| Net charge-offs to loans | 0.4368% | 1,486 |
| Credit loss provision to net charge-offs | 102.7590% | 2,155 |
| Earnings coverage of net charge-offs (x) | 7.2309% | 2,577 |
| Efficiency ratio | 56.6835% | 5,879 |
| Assets per employee ($millions) | 4.4064% | 2,975 |
| Cash dividends to net income (ytd only)* | 198.0329% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9100% | 2,088 |
| Loan loss allowance to noncurrent loans | 129.5681% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.4345% | 2,949 |
| Noncurrent loans to loans | 1.4741% | 3,096 |
| Net loans and leases to total assets | 72.9393% | 1,415 |
| Net loans and leases to deposits | 86.1404% | 1,561 |
| Net loans and leases to core deposits | 88.1634% | 2,086 |
| Total domestic deposits to total assets | 84.6749% | 4,050 |
| Equity capital to assets | 8.9952% | 5,225 |
| Core capital (leverage) ratio | 9.1098% | 4,817 |
| Tier 1 risk-based capital ratio | 11.1353% | 6,276 |
| Total risk-based capital ratio | 12.3919% | 6,248 |
| Memoranda: | ||
| Average total assets | $2,169,913,000 | 330 |
| Average earning assets | $2,007,329,000 | 326 |
| Average equity | $204,514,000 | 376 |
| Average total loans | $1,626,251,330 | 292 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 3,205 |
| Cost of funding earning assets | 0.3244% | 5,767 |
| Net interest margin | 3.8978% | 2,123 |
| Noninterest income to average assets | 1.8613% | 477 |
| Noninterest expense to average assets | 2.9307% | 3,227 |
| Loan and lease loss provision to assets | 0.4368% | 668 |
| Net operating income to assets | 1.4326% | 981 |
| Return on assets (ROA) | 1.4326% | 1,057 |
| Pretax return on assets | 2.1011% | 492 |
| Return on Equity (ROE) | 14.8419% | 798 |
| Retained earnings to average equity (ytd only) | 5.1095% | 3,170 |
| Net charge-offs to loans | 0.5450% | 1,110 |
| Credit loss provision to net charge-offs | 106.5048% | 1,737 |
| Earnings coverage of net charge-offs (x) | 6.1878% | 2,259 |
| Efficiency ratio | 53.5919% | 6,258 |
| Assets per employee ($millions) | 4.3348% | 3,271 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9943% | 2,061 |
| Loan loss allowance to noncurrent loans | 140.7251% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.3461% | 3,264 |
| Noncurrent loans to loans | 1.4172% | 3,441 |
| Net loans and leases to total assets | 74.3896% | 1,026 |
| Net loans and leases to deposits | 89.2120% | 1,028 |
| Net loans and leases to core deposits | 91.7819% | 1,526 |
| Total domestic deposits to total assets | 83.3852% | 4,718 |
| Equity capital to assets | 9.7649% | 4,474 |
| Core capital (leverage) ratio | 9.5974% | 3,936 |
| Tier 1 risk-based capital ratio | 11.7583% | 6,059 |
| Total risk-based capital ratio | 13.0160% | 6,030 |
| Memoranda: | ||
| Average total assets | $2,129,027,000 | 339 |
| Average earning assets | $1,970,319,500 | 332 |
| Average equity | $205,499,000 | 378 |
| Average total loans | $1,602,205,500 | 297 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5154% | 3,334 |
| Cost of funding earning assets | 0.4583% | 5,514 |
| Net interest margin | 4.0570% | 2,156 |
| Noninterest income to average assets | 1.8233% | 502 |
| Noninterest expense to average assets | 3.1071% | 2,899 |
| Loan and lease loss provision to assets | 0.5531% | 1,033 |
| Net operating income to assets | 1.3683% | 1,157 |
| Return on assets (ROA) | 1.3683% | 1,280 |
| Pretax return on assets | 1.9121% | 735 |
| Return on Equity (ROE) | 14.4222% | 914 |
| Retained earnings to average equity (ytd only) | 9.3529% | 734 |
| Net charge-offs to loans | 0.5954% | 1,947 |
| Credit loss provision to net charge-offs | 122.8239% | 2,321 |
| Earnings coverage of net charge-offs (x) | 5.4744% | 3,030 |
| Efficiency ratio | 55.7599% | 6,080 |
| Assets per employee ($millions) | 4.3286% | 3,292 |
| Cash dividends to net income (ytd only)* | 35.1494% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9941% | 2,030 |
| Loan loss allowance to noncurrent loans | 164.7001% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2471% | 3,565 |
| Noncurrent loans to loans | 1.2108% | 3,831 |
| Net loans and leases to total assets | 73.1276% | 1,316 |
| Net loans and leases to deposits | 86.6772% | 1,418 |
| Net loans and leases to core deposits | 89.4658% | 1,898 |
| Total domestic deposits to total assets | 84.3678% | 4,145 |
| Equity capital to assets | 9.5410% | 4,824 |
| Core capital (leverage) ratio | 9.3708% | 4,297 |
| Tier 1 risk-based capital ratio | 11.4427% | 6,141 |
| Total risk-based capital ratio | 12.7000% | 6,100 |
| Memoranda: | ||
| Average total assets | $2,079,234,400 | 341 |
| Average earning assets | $1,921,356,000 | 336 |
| Average equity | $197,265,600 | 379 |
| Average total loans | $1,572,665,800 | 292 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 3,536 |
| Cost of funding earning assets | 0.4830% | 5,548 |
| Net interest margin | 4.0420% | 2,327 |
| Noninterest income to average assets | 1.7942% | 496 |
| Noninterest expense to average assets | 3.0282% | 3,138 |
| Loan and lease loss provision to assets | 0.5832% | 972 |
| Net operating income to assets | 1.3656% | 1,297 |
| Return on assets (ROA) | 1.3656% | 1,430 |
| Pretax return on assets | 1.9193% | 836 |
| Return on Equity (ROE) | 14.4145% | 1,021 |
| Retained earnings to average equity (ytd only) | 11.0041% | 685 |
| Net charge-offs to loans | 0.6406% | 1,719 |
| Credit loss provision to net charge-offs | 119.9336% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.1464% | 3,099 |
| Efficiency ratio | 54.7529% | 6,169 |
| Assets per employee ($millions) | 4.2796% | 3,318 |
| Cash dividends to net income (ytd only)* | 23.6597% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 2,280 |
| Loan loss allowance to noncurrent loans | 128.8560% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.4872% | 3,365 |
| Noncurrent loans to loans | 1.5233% | 3,498 |
| Net loans and leases to total assets | 74.4170% | 1,183 |
| Net loans and leases to deposits | 91.0485% | 1,047 |
| Net loans and leases to core deposits | 93.7915% | 1,602 |
| Total domestic deposits to total assets | 81.7333% | 5,111 |
| Equity capital to assets | 9.6776% | 4,954 |
| Core capital (leverage) ratio | 9.4211% | 4,390 |
| Tier 1 risk-based capital ratio | 11.4696% | 6,242 |
| Total risk-based capital ratio | 12.7267% | 6,210 |
| Memoranda: | ||
| Average total assets | $2,063,379,500 | 345 |
| Average earning assets | $1,907,348,250 | 336 |
| Average equity | $195,474,250 | 380 |
| Average total loans | $1,566,144,250 | 295 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 3,590 |
| Cost of funding earning assets | 0.5044% | 5,590 |
| Net interest margin | 4.0392% | 2,344 |
| Noninterest income to average assets | 1.7914% | 485 |
| Noninterest expense to average assets | 2.9956% | 3,271 |
| Loan and lease loss provision to assets | 0.6384% | 902 |
| Net operating income to assets | 1.3359% | 1,341 |
| Return on assets (ROA) | 1.3359% | 1,499 |
| Pretax return on assets | 1.8917% | 860 |
| Return on Equity (ROE) | 14.2052% | 1,067 |
| Retained earnings to average equity (ytd only) | 14.2052% | 332 |
| Net charge-offs to loans | 0.5809% | 1,866 |
| Credit loss provision to net charge-offs | 144.7834% | 1,915 |
| Earnings coverage of net charge-offs (x) | 5.7383% | 2,764 |
| Efficiency ratio | 54.2127% | 6,299 |
| Assets per employee ($millions) | 4.3117% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 2,212 |
| Loan loss allowance to noncurrent loans | 107.5556% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.7602% | 3,090 |
| Noncurrent loans to loans | 1.8644% | 3,128 |
| Net loans and leases to total assets | 74.7143% | 1,139 |
| Net loans and leases to deposits | 92.0771% | 942 |
| Net loans and leases to core deposits | 94.7176% | 1,535 |
| Total domestic deposits to total assets | 81.1433% | 5,420 |
| Equity capital to assets | 9.6304% | 4,865 |
| Core capital (leverage) ratio | 9.5601% | 4,062 |
| Tier 1 risk-based capital ratio | 11.4403% | 6,251 |
| Total risk-based capital ratio | 12.6981% | 6,222 |
| Memoranda: | ||
| Average total assets | $2,052,163,670 | 347 |
| Average earning assets | $1,897,197,000 | 338 |
| Average equity | $192,985,000 | 379 |
| Average total loans | $1,557,596,000 | 295 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 3,421 |
| Cost of funding earning assets | 0.5280% | 5,620 |
| Net interest margin | 4.0899% | 2,137 |
| Noninterest income to average assets | 1.8067% | 480 |
| Noninterest expense to average assets | 2.9216% | 3,533 |
| Loan and lease loss provision to assets | 0.7994% | 617 |
| Net operating income to assets | 1.3365% | 1,362 |
| Return on assets (ROA) | 1.3365% | 1,523 |
| Pretax return on assets | 1.8677% | 938 |
| Return on Equity (ROE) | 14.3882% | 1,108 |
| Retained earnings to average equity (ytd only) | 14.3882% | 526 |
| Net charge-offs to loans | 0.6774% | 1,458 |
| Credit loss provision to net charge-offs | 155.8317% | 1,624 |
| Earnings coverage of net charge-offs (x) | 5.1992% | 2,420 |
| Efficiency ratio | 52.2780% | 6,511 |
| Assets per employee ($millions) | 4.2345% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0281% | 2,274 |
| Loan loss allowance to noncurrent loans | 134.2944% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 1.5639% | 3,517 |
| Noncurrent loans to loans | 1.5102% | 3,852 |
| Net loans and leases to total assets | 74.1682% | 1,035 |
| Net loans and leases to deposits | 91.4318% | 844 |
| Net loans and leases to core deposits | 93.9485% | 1,472 |
| Total domestic deposits to total assets | 81.1185% | 5,567 |
| Equity capital to assets | 9.4846% | 4,825 |
| Core capital (leverage) ratio | 9.3007% | 4,363 |
| Tier 1 risk-based capital ratio | 11.4216% | 6,328 |
| Total risk-based capital ratio | 12.6797% | 6,306 |
| Memoranda: | ||
| Average total assets | $2,039,123,500 | 347 |
| Average earning assets | $1,885,601,500 | 338 |
| Average equity | $189,405,500 | 383 |
| Average total loans | $1,544,134,500 | 295 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 4,052 |
| Cost of funding earning assets | 0.6754% | 5,682 |
| Net interest margin | 4.0702% | 2,566 |
| Noninterest income to average assets | 1.6547% | 509 |
| Noninterest expense to average assets | 2.9027% | 3,946 |
| Loan and lease loss provision to assets | 0.6453% | 1,583 |
| Net operating income to assets | 1.3610% | 1,109 |
| Return on assets (ROA) | 1.3610% | 1,198 |
| Pretax return on assets | 1.8772% | 695 |
| Return on Equity (ROE) | 15.4943% | 677 |
| Retained earnings to average equity (ytd only) | 15.4943% | 114 |
| Net charge-offs to loans | 0.5465% | 2,826 |
| Credit loss provision to net charge-offs | 150.0357% | 1,882 |
| Earnings coverage of net charge-offs (x) | 5.8653% | 2,660 |
| Efficiency ratio | 53.5044% | 6,561 |
| Assets per employee ($millions) | 4.2619% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9196% | 2,509 |
| Loan loss allowance to noncurrent loans | 145.6660% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 3,936 |
| Noncurrent loans to loans | 1.3178% | 4,171 |
| Net loans and leases to total assets | 74.2932% | 1,216 |
| Net loans and leases to deposits | 92.5002% | 921 |
| Net loans and leases to core deposits | 95.4933% | 1,544 |
| Total domestic deposits to total assets | 80.3168% | 5,659 |
| Equity capital to assets | 9.0938% | 5,420 |
| Core capital (leverage) ratio | 8.9895% | 4,808 |
| Tier 1 risk-based capital ratio | 10.9094% | 6,500 |
| Total risk-based capital ratio | 12.7727% | 6,135 |
| Memoranda: | ||
| Average total assets | $1,952,705,000 | 355 |
| Average earning assets | $1,808,971,400 | 341 |
| Average equity | $171,527,400 | 412 |
| Average total loans | $1,536,804,200 | 296 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 4,030 |
| Cost of funding earning assets | 0.7037% | 5,740 |
| Net interest margin | 4.0926% | 2,505 |
| Noninterest income to average assets | 1.6748% | 486 |
| Noninterest expense to average assets | 2.8465% | 4,160 |
| Loan and lease loss provision to assets | 0.6565% | 1,484 |
| Net operating income to assets | 1.3646% | 1,235 |
| Return on assets (ROA) | 1.3646% | 1,317 |
| Pretax return on assets | 1.9643% | 673 |
| Return on Equity (ROE) | 15.6818% | 720 |
| Retained earnings to average equity (ytd only) | 15.6818% | 196 |
| Net charge-offs to loans | 0.5196% | 2,674 |
| Credit loss provision to net charge-offs | 158.9426% | 1,944 |
| Earnings coverage of net charge-offs (x) | 6.3453% | 2,567 |
| Efficiency ratio | 52.0646% | 6,670 |
| Assets per employee ($millions) | 4.2305% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 2,702 |
| Loan loss allowance to noncurrent loans | 116.8388% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.6687% | 3,584 |
| Noncurrent loans to loans | 1.6049% | 3,891 |
| Net loans and leases to total assets | 76.8229% | 865 |
| Net loans and leases to deposits | 94.8995% | 767 |
| Net loans and leases to core deposits | 97.7060% | 1,446 |
| Total domestic deposits to total assets | 80.9518% | 5,453 |
| Equity capital to assets | 9.0655% | 5,668 |
| Core capital (leverage) ratio | 8.8103% | 5,242 |
| Tier 1 risk-based capital ratio | 10.5526% | 6,753 |
| Total risk-based capital ratio | 12.4188% | 6,435 |
| Memoranda: | ||
| Average total assets | $1,929,457,750 | 360 |
| Average earning assets | $1,787,961,000 | 348 |
| Average equity | $167,901,500 | 430 |
| Average total loans | $1,533,616,250 | 297 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 3,994 |
| Cost of funding earning assets | 0.7199% | 5,831 |
| Net interest margin | 4.1018% | 2,403 |
| Noninterest income to average assets | 1.6704% | 479 |
| Noninterest expense to average assets | 2.9788% | 3,721 |
| Loan and lease loss provision to assets | 0.5647% | 1,713 |
| Net operating income to assets | 1.3529% | 1,189 |
| Return on assets (ROA) | 1.3529% | 1,259 |
| Pretax return on assets | 1.9301% | 662 |
| Return on Equity (ROE) | 15.7743% | 691 |
| Retained earnings to average equity (ytd only) | 15.7743% | 214 |
| Net charge-offs to loans | 0.4422% | 2,801 |
| Credit loss provision to net charge-offs | 159.8106% | 1,900 |
| Earnings coverage of net charge-offs (x) | 7.0607% | 2,283 |
| Efficiency ratio | 54.4216% | 6,581 |
| Assets per employee ($millions) | 4.1529% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 3,038 |
| Loan loss allowance to noncurrent loans | 142.9075% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 4,172 |
| Noncurrent loans to loans | 1.2497% | 4,572 |
| Net loans and leases to total assets | 78.3305% | 733 |
| Net loans and leases to deposits | 97.1283% | 644 |
| Net loans and leases to core deposits | 99.9832% | 1,343 |
| Total domestic deposits to total assets | 80.6464% | 5,637 |
| Equity capital to assets | 8.8689% | 5,745 |
| Core capital (leverage) ratio | 8.6620% | 5,279 |
| Tier 1 risk-based capital ratio | 10.0889% | 6,951 |
| Total risk-based capital ratio | 11.9509% | 6,696 |
| Memoranda: | ||
| Average total assets | $1,912,645,330 | 367 |
| Average earning assets | $1,773,397,000 | 355 |
| Average equity | $164,039,330 | 442 |
| Average total loans | $1,528,129,000 | 303 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8160% | 3,985 |
| Cost of funding earning assets | 0.7257% | 5,997 |
| Net interest margin | 4.0903% | 2,302 |
| Noninterest income to average assets | 1.6119% | 511 |
| Noninterest expense to average assets | 2.9960% | 3,656 |
| Loan and lease loss provision to assets | 0.5891% | 1,462 |
| Net operating income to assets | 1.2841% | 1,310 |
| Return on assets (ROA) | 1.2841% | 1,358 |
| Pretax return on assets | 1.8212% | 783 |
| Return on Equity (ROE) | 15.2370% | 788 |
| Retained earnings to average equity (ytd only) | 15.2370% | 370 |
| Net charge-offs to loans | 0.3646% | 2,609 |
| Credit loss provision to net charge-offs | 202.0202% | 1,468 |
| Earnings coverage of net charge-offs (x) | 8.2662% | 1,838 |
| Efficiency ratio | 55.4168% | 6,570 |
| Assets per employee ($millions) | 4.0405% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 3,092 |
| Loan loss allowance to noncurrent loans | 183.4558% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 1.2470% | 4,452 |
| Noncurrent loans to loans | 0.9666% | 5,113 |
| Net loans and leases to total assets | 78.1291% | 715 |
| Net loans and leases to deposits | 96.6280% | 649 |
| Net loans and leases to core deposits | 99.2919% | 1,401 |
| Total domestic deposits to total assets | 80.8556% | 5,702 |
| Equity capital to assets | 8.5477% | 5,837 |
| Core capital (leverage) ratio | 8.4100% | 5,608 |
| Tier 1 risk-based capital ratio | 9.7476% | 7,077 |
| Total risk-based capital ratio | 11.6139% | 6,864 |
| Memoranda: | ||
| Average total assets | $1,901,350,500 | 370 |
| Average earning assets | $1,763,780,000 | 357 |
| Average equity | $160,242,000 | 446 |
| Average total loans | $1,520,472,000 | 306 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 4,153 |
| Cost of funding earning assets | 0.9602% | 5,886 |
| Net interest margin | 4.1267% | 2,457 |
| Noninterest income to average assets | 1.8962% | 438 |
| Noninterest expense to average assets | 3.1478% | 3,282 |
| Loan and lease loss provision to assets | 0.6319% | 2,602 |
| Net operating income to assets | 1.3812% | 985 |
| Return on assets (ROA) | 1.3812% | 1,055 |
| Pretax return on assets | 1.9474% | 547 |
| Return on Equity (ROE) | 17.3432% | 446 |
| Retained earnings to average equity (ytd only) | 17.3432% | 80 |
| Net charge-offs to loans | 0.4014% | 4,031 |
| Credit loss provision to net charge-offs | 193.5370% | 1,642 |
| Earnings coverage of net charge-offs (x) | 7.8994% | 2,048 |
| Efficiency ratio | 54.9629% | 6,720 |
| Assets per employee ($millions) | 3.9822% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 3,294 |
| Loan loss allowance to noncurrent loans | 135.7154% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.2828% | 4,464 |
| Noncurrent loans to loans | 1.2376% | 4,652 |
| Net loans and leases to total assets | 79.0504% | 791 |
| Net loans and leases to deposits | 98.2353% | 696 |
| Net loans and leases to core deposits | 102.1245% | 1,443 |
| Total domestic deposits to total assets | 80.4705% | 5,697 |
| Equity capital to assets | 8.3066% | 6,138 |
| Core capital (leverage) ratio | 8.1218% | 5,965 |
| Tier 1 risk-based capital ratio | 9.4938% | 7,140 |
| Total risk-based capital ratio | 11.3671% | 6,906 |
| Memoranda: | ||
| Average total assets | $1,814,898,000 | 380 |
| Average earning assets | $1,684,800,200 | 370 |
| Average equity | $144,534,800 | 478 |
| Average total loans | $1,476,440,200 | 318 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 4,196 |
| Cost of funding earning assets | 1.0044% | 5,918 |
| Net interest margin | 4.1205% | 2,531 |
| Noninterest income to average assets | 1.8376% | 434 |
| Noninterest expense to average assets | 3.1288% | 3,195 |
| Loan and lease loss provision to assets | 0.5772% | 2,625 |
| Net operating income to assets | 1.3915% | 1,120 |
| Return on assets (ROA) | 1.3915% | 1,200 |
| Pretax return on assets | 1.9545% | 693 |
| Return on Equity (ROE) | 17.6730% | 504 |
| Retained earnings to average equity (ytd only) | 17.6730% | 115 |
| Net charge-offs to loans | 0.3040% | 4,153 |
| Credit loss provision to net charge-offs | 232.6848% | 1,471 |
| Earnings coverage of net charge-offs (x) | 10.2059% | 1,911 |
| Efficiency ratio | 55.2743% | 6,650 |
| Assets per employee ($millions) | 3.8958% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 3,408 |
| Loan loss allowance to noncurrent loans | 260.5909% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 5,552 |
| Noncurrent loans to loans | 0.6253% | 5,955 |
| Net loans and leases to total assets | 80.0411% | 743 |
| Net loans and leases to deposits | 100.4279% | 623 |
| Net loans and leases to core deposits | 103.8764% | 1,494 |
| Total domestic deposits to total assets | 79.7001% | 5,807 |
| Equity capital to assets | 8.2879% | 6,522 |
| Core capital (leverage) ratio | 7.9786% | 6,378 |
| Tier 1 risk-based capital ratio | 9.2648% | 7,310 |
| Total risk-based capital ratio | 11.1487% | 7,108 |
| Memoranda: | ||
| Average total assets | $1,795,733,250 | 382 |
| Average earning assets | $1,666,015,500 | 369 |
| Average equity | $141,387,250 | 483 |
| Average total loans | $1,465,343,500 | 322 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 4,494 |
| Cost of funding earning assets | 1.0307% | 5,998 |
| Net interest margin | 4.0627% | 2,733 |
| Noninterest income to average assets | 1.7989% | 415 |
| Noninterest expense to average assets | 3.1386% | 3,155 |
| Loan and lease loss provision to assets | 0.5707% | 2,494 |
| Net operating income to assets | 1.3162% | 1,265 |
| Return on assets (ROA) | 1.3162% | 1,336 |
| Pretax return on assets | 1.8624% | 792 |
| Return on Equity (ROE) | 17.0265% | 565 |
| Retained earnings to average equity (ytd only) | 17.0265% | 154 |
| Net charge-offs to loans | 0.2952% | 3,849 |
| Credit loss provision to net charge-offs | 236.6729% | 1,627 |
| Earnings coverage of net charge-offs (x) | 10.0909% | 1,938 |
| Efficiency ratio | 56.3319% | 6,599 |
| Assets per employee ($millions) | 3.8305% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 3,686 |
| Loan loss allowance to noncurrent loans | 210.9752% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 5,720 |
| Noncurrent loans to loans | 0.7324% | 5,790 |
| Net loans and leases to total assets | 80.4765% | 728 |
| Net loans and leases to deposits | 98.9078% | 805 |
| Net loans and leases to core deposits | 104.3320% | 1,611 |
| Total domestic deposits to total assets | 81.3652% | 5,261 |
| Equity capital to assets | 7.9544% | 6,801 |
| Core capital (leverage) ratio | 7.9327% | 6,350 |
| Tier 1 risk-based capital ratio | 8.9187% | 7,429 |
| Total risk-based capital ratio | 10.8083% | 7,243 |
| Memoranda: | ||
| Average total assets | $1,780,073,670 | 384 |
| Average earning assets | $1,653,024,330 | 372 |
| Average equity | $137,609,000 | 493 |
| Average total loans | $1,454,004,670 | 323 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 4,640 |
| Cost of funding earning assets | 1.0706% | 6,037 |
| Net interest margin | 4.0066% | 2,849 |
| Noninterest income to average assets | 1.7999% | 398 |
| Noninterest expense to average assets | 3.1432% | 3,094 |
| Loan and lease loss provision to assets | 0.6117% | 2,082 |
| Net operating income to assets | 1.2218% | 1,485 |
| Return on assets (ROA) | 1.2218% | 1,561 |
| Pretax return on assets | 1.7750% | 928 |
| Return on Equity (ROE) | 16.0446% | 712 |
| Retained earnings to average equity (ytd only) | 16.0446% | 339 |
| Net charge-offs to loans | 0.2457% | 3,471 |
| Credit loss provision to net charge-offs | 304.8643% | 1,288 |
| Earnings coverage of net charge-offs (x) | 11.8948% | 1,610 |
| Efficiency ratio | 56.8403% | 6,648 |
| Assets per employee ($millions) | 3.7269% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 3,864 |
| Loan loss allowance to noncurrent loans | 188.8071% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 5,552 |
| Noncurrent loans to loans | 0.7994% | 5,716 |
| Net loans and leases to total assets | 81.0784% | 704 |
| Net loans and leases to deposits | 98.9363% | 824 |
| Net loans and leases to core deposits | 104.8578% | 1,667 |
| Total domestic deposits to total assets | 81.9501% | 5,090 |
| Equity capital to assets | 7.8119% | 6,839 |
| Core capital (leverage) ratio | 7.5844% | 6,753 |
| Tier 1 risk-based capital ratio | 8.6895% | 7,536 |
| Total risk-based capital ratio | 10.5917% | 7,374 |
| Memoranda: | ||
| Average total assets | $1,762,277,000 | 405 |
| Average earning assets | $1,640,606,000 | 394 |
| Average equity | $134,200,500 | 505 |
| Average total loans | $1,438,947,500 | 343 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 5,182 |
| Cost of funding earning assets | 1.3994% | 5,935 |
| Net interest margin | 3.8987% | 3,274 |
| Noninterest income to average assets | 1.8749% | 423 |
| Noninterest expense to average assets | 3.1576% | 3,518 |
| Loan and lease loss provision to assets | 0.7542% | 2,849 |
| Net operating income to assets | 1.1254% | 1,448 |
| Return on assets (ROA) | 1.1114% | 1,516 |
| Pretax return on assets | 1.5774% | 1,011 |
| Return on Equity (ROE) | 13.1872% | 920 |
| Retained earnings to average equity (ytd only) | -5.9358% | 6,140 |
| Net charge-offs to loans | 0.5827% | 3,471 |
| Credit loss provision to net charge-offs | 156.6332% | 2,883 |
| Earnings coverage of net charge-offs (x) | 4.8841% | 2,771 |
| Efficiency ratio | 57.3149% | 6,862 |
| Assets per employee ($millions) | 3.7642% | 4,367 |
| Cash dividends to net income (ytd only)* | 145.0122% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 4,259 |
| Loan loss allowance to noncurrent loans | 157.8781% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 5,495 |
| Noncurrent loans to loans | 0.8841% | 5,533 |
| Net loans and leases to total assets | 79.8593% | 1,019 |
| Net loans and leases to deposits | 96.4890% | 1,269 |
| Net loans and leases to core deposits | 111.0933% | 2,789 |
| Total domestic deposits to total assets | 82.7652% | 4,635 |
| Equity capital to assets | 7.4200% | 7,105 |
| Core capital (leverage) ratio | 7.2358% | 7,042 |
| Tier 1 risk-based capital ratio | 8.3269% | 7,609 |
| Total risk-based capital ratio | 10.2287% | 7,499 |
| Memoranda: | ||
| Average total assets | $1,693,948,400 | 412 |
| Average earning assets | $1,579,081,200 | 403 |
| Average equity | $142,760,000 | 475 |
| Average total loans | $1,399,796,600 | 357 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3254% | 5,302 |
| Cost of funding earning assets | 1.4584% | 6,007 |
| Net interest margin | 3.8669% | 3,353 |
| Noninterest income to average assets | 1.8730% | 424 |
| Noninterest expense to average assets | 3.1674% | 3,414 |
| Loan and lease loss provision to assets | 0.5810% | 3,067 |
| Net operating income to assets | 1.2079% | 1,448 |
| Return on assets (ROA) | 1.2079% | 1,504 |
| Pretax return on assets | 1.7305% | 910 |
| Return on Equity (ROE) | 13.8941% | 957 |
| Retained earnings to average equity (ytd only) | 11.7883% | 369 |
| Net charge-offs to loans | 0.2723% | 4,339 |
| Credit loss provision to net charge-offs | 256.8614% | 1,664 |
| Earnings coverage of net charge-offs (x) | 10.2189% | 1,988 |
| Efficiency ratio | 57.8105% | 6,747 |
| Assets per employee ($millions) | 3.7170% | 4,386 |
| Cash dividends to net income (ytd only)* | 15.1555% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 3,948 |
| Loan loss allowance to noncurrent loans | 239.8912% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 5,988 |
| Noncurrent loans to loans | 0.5835% | 6,148 |
| Net loans and leases to total assets | 80.5091% | 1,084 |
| Net loans and leases to deposits | 102.5862% | 875 |
| Net loans and leases to core deposits | 119.5959% | 2,279 |
| Total domestic deposits to total assets | 78.4794% | 5,954 |
| Equity capital to assets | 8.8233% | 5,751 |
| Core capital (leverage) ratio | 8.5523% | 5,396 |
| Tier 1 risk-based capital ratio | 9.7866% | 7,147 |
| Total risk-based capital ratio | 11.6932% | 6,480 |
| Memoranda: | ||
| Average total assets | $1,675,140,750 | 428 |
| Average earning assets | $1,562,090,250 | 420 |
| Average equity | $145,631,750 | 471 |
| Average total loans | $1,391,532,250 | 369 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3450% | 5,419 |
| Cost of funding earning assets | 1.4718% | 6,253 |
| Net interest margin | 3.8732% | 3,232 |
| Noninterest income to average assets | 1.8506% | 428 |
| Noninterest expense to average assets | 3.2135% | 3,299 |
| Loan and lease loss provision to assets | 0.4623% | 3,214 |
| Net operating income to assets | 1.2503% | 1,356 |
| Return on assets (ROA) | 1.2503% | 1,429 |
| Pretax return on assets | 1.7845% | 871 |
| Return on Equity (ROE) | 14.4575% | 917 |
| Retained earnings to average equity (ytd only) | 11.2435% | 530 |
| Net charge-offs to loans | 0.3079% | 3,647 |
| Credit loss provision to net charge-offs | 179.6618% | 2,545 |
| Earnings coverage of net charge-offs (x) | 8.7323% | 2,220 |
| Efficiency ratio | 58.8522% | 6,712 |
| Assets per employee ($millions) | 3.7562% | 4,202 |
| Cash dividends to net income (ytd only)* | 22.2308% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 4,882 |
| Loan loss allowance to noncurrent loans | 211.7684% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.5606% | 6,022 |
| Noncurrent loans to loans | 0.5702% | 6,126 |
| Net loans and leases to total assets | 81.3934% | 1,072 |
| Net loans and leases to deposits | 104.2795% | 892 |
| Net loans and leases to core deposits | 122.0305% | 2,204 |
| Total domestic deposits to total assets | 78.0532% | 6,062 |
| Equity capital to assets | 8.5678% | 5,947 |
| Core capital (leverage) ratio | 8.5987% | 5,263 |
| Tier 1 risk-based capital ratio | 9.6444% | 7,281 |
| Total risk-based capital ratio | 11.4503% | 6,643 |
| Memoranda: | ||
| Average total assets | $1,654,903,670 | 438 |
| Average earning assets | $1,542,299,670 | 429 |
| Average equity | $143,122,670 | 487 |
| Average total loans | $1,382,923,670 | 382 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4129% | 5,355 |
| Cost of funding earning assets | 1.4923% | 6,428 |
| Net interest margin | 3.9206% | 2,972 |
| Noninterest income to average assets | 1.7448% | 450 |
| Noninterest expense to average assets | 3.0122% | 3,713 |
| Loan and lease loss provision to assets | 0.4002% | 2,919 |
| Net operating income to assets | 1.3859% | 1,168 |
| Return on assets (ROA) | 1.3859% | 1,260 |
| Pretax return on assets | 1.9837% | 681 |
| Return on Equity (ROE) | 15.9465% | 831 |
| Retained earnings to average equity (ytd only) | 9.4285% | 1,358 |
| Net charge-offs to loans | 0.2335% | 3,240 |
| Credit loss provision to net charge-offs | 203.6341% | 2,183 |
| Earnings coverage of net charge-offs (x) | 12.1291% | 1,824 |
| Efficiency ratio | 55.8218% | 6,994 |
| Assets per employee ($millions) | 3.5327% | 4,746 |
| Cash dividends to net income (ytd only)* | 40.8744% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 4,969 |
| Loan loss allowance to noncurrent loans | 277.0125% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 6,107 |
| Noncurrent loans to loans | 0.4235% | 6,362 |
| Net loans and leases to total assets | 84.0204% | 686 |
| Net loans and leases to deposits | 103.9677% | 1,009 |
| Net loans and leases to core deposits | 121.9925% | 2,258 |
| Total domestic deposits to total assets | 80.8139% | 5,035 |
| Equity capital to assets | 8.7682% | 5,667 |
| Core capital (leverage) ratio | 8.6524% | 5,249 |
| Tier 1 risk-based capital ratio | 9.7195% | 7,231 |
| Total risk-based capital ratio | 11.5405% | 6,529 |
| Memoranda: | ||
| Average total assets | $1,624,056,000 | 449 |
| Average earning assets | $1,512,538,500 | 440 |
| Average equity | $141,147,000 | 494 |
| Average total loans | $1,367,247,500 | 389 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9918% | 5,584 |
| Cost of funding earning assets | 2.0494% | 6,241 |
| Net interest margin | 3.9424% | 3,395 |
| Noninterest income to average assets | 1.8441% | 399 |
| Noninterest expense to average assets | 3.0283% | 3,979 |
| Loan and lease loss provision to assets | 0.2581% | 4,336 |
| Net operating income to assets | 1.5079% | 1,005 |
| Return on assets (ROA) | 1.4816% | 1,018 |
| Pretax return on assets | 2.1676% | 429 |
| Return on Equity (ROE) | 16.7396% | 666 |
| Retained earnings to average equity (ytd only) | 2.9536% | 3,332 |
| Net charge-offs to loans | 0.1630% | 4,567 |
| Credit loss provision to net charge-offs | 191.1279% | 2,576 |
| Earnings coverage of net charge-offs (x) | 18.2492% | 1,718 |
| Efficiency ratio | 55.1330% | 7,134 |
| Assets per employee ($millions) | 3.4980% | 4,664 |
| Cash dividends to net income (ytd only)* | 82.3555% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,012 |
| Loan loss allowance to noncurrent loans | 326.4912% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 6,084 |
| Noncurrent loans to loans | 0.3482% | 6,329 |
| Net loans and leases to total assets | 82.4080% | 1,147 |
| Net loans and leases to deposits | 102.9760% | 1,474 |
| Net loans and leases to core deposits | 120.8248% | 2,619 |
| Total domestic deposits to total assets | 80.0264% | 5,010 |
| Equity capital to assets | 8.6137% | 5,917 |
| Core capital (leverage) ratio | 8.4926% | 5,589 |
| Tier 1 risk-based capital ratio | 9.6906% | 7,098 |
| Total risk-based capital ratio | 11.4938% | 6,340 |
| Memoranda: | ||
| Average total assets | $1,569,144,400 | 447 |
| Average earning assets | $1,452,224,200 | 438 |
| Average equity | $138,880,600 | 506 |
| Average total loans | $1,300,281,200 | 403 |