Home > The American National Bank of Texas > Performance and Condition Ratios
The American National Bank of Texas, 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 | 3.9912% | 3,974 |
| Cost of funding earning assets | 1.4458% | 2,087 |
| Net interest margin | 2.5454% | 4,041 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.1469% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6437% | 3,326 |
| Return on assets (ROA) | 0.5401% | 3,576 |
| Pretax return on assets | 0.6449% | 3,545 |
| Return on Equity (ROE) | 18.3600% | 772 |
| Retained earnings to average equity (ytd only) | 18.3629% | 176 |
| Net charge-offs to loans | 0.0474% | 1,397 |
| Credit loss provision to net charge-offs | 309.2784% | 934 |
| Earnings coverage of net charge-offs (x) | 31.7725% | 1,601 |
| Efficiency ratio | 73.1690% | 1,538 |
| Assets per employee ($millions) | 11.0575% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,149 |
| Loan loss allowance to noncurrent loans | 884.6880% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,117 |
| Noncurrent loans to loans | 0.1384% | 2,817 |
| Net loans and leases to total assets | 48.1700% | 3,718 |
| Net loans and leases to deposits | 60.8801% | 3,479 |
| Net loans and leases to core deposits | 66.6521% | 3,468 |
| Total domestic deposits to total assets | 79.1300% | 3,594 |
| Equity capital to assets | 3.3345% | 4,532 |
| Core capital (leverage) ratio | 8.0550% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9258% | 1,889 |
| Memoranda: | ||
| Average total assets | $5,615,731,200 | 255 |
| Average earning assets | $5,247,792,400 | 244 |
| Average equity | $165,164,400 | 624 |
| Average total loans | $2,864,932,800 | 312 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 3,906 |
| Cost of funding earning assets | 1.3454% | 2,014 |
| Net interest margin | 2.6159% | 4,007 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.1993% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6499% | 3,430 |
| Return on assets (ROA) | 0.6476% | 3,428 |
| Pretax return on assets | 0.7832% | 3,373 |
| Return on Equity (ROE) | 22.8700% | 499 |
| Retained earnings to average equity (ytd only) | 22.8711% | 174 |
| Net charge-offs to loans | 0.0212% | 1,687 |
| Credit loss provision to net charge-offs | 598.6696% | 560 |
| Earnings coverage of net charge-offs (x) | 71.7339% | 1,100 |
| Efficiency ratio | 73.1971% | 1,426 |
| Assets per employee ($millions) | 10.0231% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,215 |
| Loan loss allowance to noncurrent loans | 755.8824% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 3,011 |
| Noncurrent loans to loans | 0.1628% | 2,734 |
| Net loans and leases to total assets | 52.6900% | 3,446 |
| Net loans and leases to deposits | 67.2513% | 3,040 |
| Net loans and leases to core deposits | 74.1863% | 2,987 |
| Total domestic deposits to total assets | 78.3500% | 3,774 |
| Equity capital to assets | 2.3101% | 4,529 |
| Core capital (leverage) ratio | 8.1961% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5452% | 2,062 |
| Memoranda: | ||
| Average total assets | $5,488,206,250 | 263 |
| Average earning assets | $5,123,425,750 | 253 |
| Average equity | $155,389,000 | 653 |
| Average total loans | $2,834,276,000 | 316 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 154,456.0000% | 5 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 501,064.0000% | 5 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 70.0000% | 3 |
| Noninterest income to average assets | 0.0007% | 4,591 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.6473% | 3,479 |
| Pretax return on assets | 0.7828% | 3,434 |
| Return on Equity (ROE) | 21.5400% | 579 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0066% | 1,997 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,318 |
| Efficiency ratio | 17.2810% | 4,585 |
| Assets per employee ($millions) | 0.2149% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.3885% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 27,345.0000% | 4 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 33.0000% | 5 |
| Noncurrent loans to loans | 0.0038% | 3,799 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0009% | 4,541 |
| Total domestic deposits to total assets | 846,428.0000% | 2 |
| Equity capital to assets | 51,137.0000% | 10 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $29,590,000 | 4,513 |
| Average earning assets | $2,186 | 4,640 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 3,971 |
| Cost of funding earning assets | 0.9474% | 2,228 |
| Net interest margin | 2.7872% | 3,959 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.2662% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6821% | 3,508 |
| Return on assets (ROA) | 0.6805% | 3,464 |
| Pretax return on assets | 0.8239% | 3,411 |
| Return on Equity (ROE) | 23.3100% | 490 |
| Retained earnings to average equity (ytd only) | 23.3093% | 229 |
| Net charge-offs to loans | 0.0335% | 1,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 49.0390% | 1,108 |
| Efficiency ratio | 72.8308% | 1,457 |
| Assets per employee ($millions) | 10.0622% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,568 |
| Loan loss allowance to noncurrent loans | 1,870.4634% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 3,412 |
| Noncurrent loans to loans | 0.0640% | 3,275 |
| Net loans and leases to total assets | 50.8700% | 3,428 |
| Net loans and leases to deposits | 61.5880% | 3,252 |
| Net loans and leases to core deposits | 66.8747% | 3,165 |
| Total domestic deposits to total assets | 82.6000% | 3,382 |
| Equity capital to assets | 2.8916% | 4,602 |
| Core capital (leverage) ratio | 8.0204% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4570% | 2,195 |
| Memoranda: | ||
| Average total assets | $5,486,424,000 | 264 |
| Average earning assets | $5,105,556,500 | 257 |
| Average equity | $160,176,500 | 647 |
| Average total loans | $2,754,873,500 | 318 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2518% | 3,705 |
| Cost of funding earning assets | 0.2879% | 2,977 |
| Net interest margin | 2.9639% | 3,533 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.2177% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9262% | 2,858 |
| Return on assets (ROA) | 0.9262% | 2,801 |
| Pretax return on assets | 1.1281% | 2,676 |
| Return on Equity (ROE) | 19.3100% | 537 |
| Retained earnings to average equity (ytd only) | 19.3072% | 105 |
| Net charge-offs to loans | 0.0531% | 1,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 45.8664% | 1,420 |
| Efficiency ratio | 65.8446% | 2,252 |
| Assets per employee ($millions) | 10.2579% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,351 |
| Loan loss allowance to noncurrent loans | 1,731.7989% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 3,463 |
| Noncurrent loans to loans | 0.0697% | 3,253 |
| Net loans and leases to total assets | 48.3700% | 3,651 |
| Net loans and leases to deposits | 56.0146% | 3,578 |
| Net loans and leases to core deposits | 59.3767% | 3,543 |
| Total domestic deposits to total assets | 86.3600% | 2,615 |
| Equity capital to assets | 2.9469% | 4,610 |
| Core capital (leverage) ratio | 8.1337% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3414% | 2,223 |
| Memoranda: | ||
| Average total assets | $5,293,845,200 | 267 |
| Average earning assets | $4,949,299,600 | 260 |
| Average equity | $253,946,400 | 433 |
| Average total loans | $2,450,949,600 | 323 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1248% | 3,616 |
| Cost of funding earning assets | 0.1485% | 3,857 |
| Net interest margin | 2.9762% | 3,282 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.2391% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9353% | 2,738 |
| Return on assets (ROA) | 0.9353% | 2,700 |
| Pretax return on assets | 1.1457% | 2,573 |
| Return on Equity (ROE) | 17.6900% | 687 |
| Retained earnings to average equity (ytd only) | 17.6915% | 175 |
| Net charge-offs to loans | 0.0344% | 1,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 73.1089% | 1,088 |
| Efficiency ratio | 65.7118% | 2,322 |
| Assets per employee ($millions) | 9.9193% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 2,002 |
| Loan loss allowance to noncurrent loans | 3,279.4897% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,749 |
| Noncurrent loans to loans | 0.0398% | 3,608 |
| Net loans and leases to total assets | 48.2500% | 3,601 |
| Net loans and leases to deposits | 54.3105% | 3,584 |
| Net loans and leases to core deposits | 56.5809% | 3,594 |
| Total domestic deposits to total assets | 88.8400% | 2,156 |
| Equity capital to assets | 3.0503% | 4,587 |
| Core capital (leverage) ratio | 8.2252% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5061% | 2,260 |
| Memoranda: | ||
| Average total assets | $5,232,493,000 | 268 |
| Average earning assets | $4,905,780,750 | 263 |
| Average equity | $276,623,750 | 409 |
| Average total loans | $2,385,646,500 | 324 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0170% | 3,514 |
| Cost of funding earning assets | 0.0906% | 4,286 |
| Net interest margin | 2.9264% | 3,098 |
| Noninterest income to average assets | 0.5905% | 1,783 |
| Noninterest expense to average assets | 2.2256% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9077% | 2,551 |
| Return on assets (ROA) | 0.9077% | 2,522 |
| Pretax return on assets | 1.1130% | 2,358 |
| Return on Equity (ROE) | 15.0447% | 879 |
| Retained earnings to average equity (ytd only) | 15.0447% | 259 |
| Net charge-offs to loans | 0.0331% | 1,071 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 75.6130% | 963 |
| Efficiency ratio | 66.2162% | 2,483 |
| Assets per employee ($millions) | 9.6708% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 1,773 |
| Loan loss allowance to noncurrent loans | 2,454.2670% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,718 |
| Noncurrent loans to loans | 0.0569% | 3,529 |
| Net loans and leases to total assets | 46.1938% | 3,702 |
| Net loans and leases to deposits | 49.2930% | 3,847 |
| Net loans and leases to core deposits | 51.1716% | 3,867 |
| Total domestic deposits to total assets | 93.7126% | 336 |
| Equity capital to assets | 3.9516% | 4,629 |
| Core capital (leverage) ratio | 8.1977% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8432% | 2,128 |
| Memoranda: | ||
| Average total assets | $5,230,856,000 | 264 |
| Average earning assets | $4,912,187,333 | 260 |
| Average equity | $315,580,333 | 377 |
| Average total loans | $2,327,379,667 | 322 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9484% | 3,405 |
| Cost of funding earning assets | 0.0855% | 4,298 |
| Net interest margin | 2.8628% | 2,946 |
| Noninterest income to average assets | 0.6169% | 1,620 |
| Noninterest expense to average assets | 2.2702% | 2,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8504% | 2,484 |
| Return on assets (ROA) | 0.8504% | 2,472 |
| Pretax return on assets | 1.0403% | 2,321 |
| Return on Equity (ROE) | 12.0650% | 1,289 |
| Retained earnings to average equity (ytd only) | 12.0650% | 592 |
| Net charge-offs to loans | 0.0600% | 714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 39.9883% | 1,008 |
| Efficiency ratio | 68.1291% | 2,490 |
| Assets per employee ($millions) | 9.9178% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 1,634 |
| Loan loss allowance to noncurrent loans | 1,912.0318% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,703 |
| Noncurrent loans to loans | 0.0771% | 3,457 |
| Net loans and leases to total assets | 43.1429% | 3,808 |
| Net loans and leases to deposits | 47.3932% | 3,907 |
| Net loans and leases to core deposits | 49.3736% | 3,904 |
| Total domestic deposits to total assets | 91.0319% | 1,017 |
| Equity capital to assets | 6.0338% | 4,575 |
| Core capital (leverage) ratio | 7.9497% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7362% | 1,905 |
| Memoranda: | ||
| Average total assets | $5,273,845,000 | 268 |
| Average earning assets | $4,962,088,000 | 260 |
| Average equity | $371,719,000 | 342 |
| Average total loans | $2,285,938,500 | 326 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1675% | 3,542 |
| Cost of funding earning assets | 0.1195% | 4,226 |
| Net interest margin | 3.0480% | 3,053 |
| Noninterest income to average assets | 0.6819% | 1,825 |
| Noninterest expense to average assets | 2.2860% | 2,833 |
| Loan and lease loss provision to assets | 0.0125% | 2,833 |
| Net operating income to assets | 1.0291% | 2,561 |
| Return on assets (ROA) | 1.0290% | 2,633 |
| Pretax return on assets | 1.2411% | 2,547 |
| Return on Equity (ROE) | 11.7353% | 1,903 |
| Retained earnings to average equity (ytd only) | 11.7353% | 576 |
| Net charge-offs to loans | 0.0221% | 1,819 |
| Credit loss provision to net charge-offs | 116.7315% | 1,669 |
| Earnings coverage of net charge-offs (x) | 117.2218% | 800 |
| Efficiency ratio | 64.1257% | 2,549 |
| Assets per employee ($millions) | 10.1930% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,600 |
| Loan loss allowance to noncurrent loans | 1,654.4968% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 3,741 |
| Noncurrent loans to loans | 0.0899% | 3,480 |
| Net loans and leases to total assets | 42.2720% | 3,964 |
| Net loans and leases to deposits | 47.4099% | 4,027 |
| Net loans and leases to core deposits | 49.0918% | 4,050 |
| Total domestic deposits to total assets | 89.1629% | 1,433 |
| Equity capital to assets | 8.0412% | 4,338 |
| Core capital (leverage) ratio | 7.9672% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2330% | 1,763 |
| Memoranda: | ||
| Average total assets | $4,806,157,600 | 277 |
| Average earning assets | $4,506,127,200 | 270 |
| Average equity | $421,420,200 | 302 |
| Average total loans | $2,328,371,000 | 321 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2395% | 3,532 |
| Cost of funding earning assets | 0.1306% | 4,259 |
| Net interest margin | 3.1090% | 3,029 |
| Noninterest income to average assets | 0.7103% | 1,792 |
| Noninterest expense to average assets | 2.3808% | 2,499 |
| Loan and lease loss provision to assets | 0.0171% | 2,668 |
| Net operating income to assets | 1.0145% | 2,855 |
| Return on assets (ROA) | 1.0144% | 2,918 |
| Pretax return on assets | 1.2208% | 2,865 |
| Return on Equity (ROE) | 11.3020% | 2,274 |
| Retained earnings to average equity (ytd only) | 11.3020% | 991 |
| Net charge-offs to loans | 0.0217% | 1,616 |
| Credit loss provision to net charge-offs | 157.4803% | 1,329 |
| Earnings coverage of net charge-offs (x) | 113.9396% | 801 |
| Efficiency ratio | 65.3282% | 2,197 |
| Assets per employee ($millions) | 9.6637% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 1,572 |
| Loan loss allowance to noncurrent loans | 1,665.0097% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 3,880 |
| Noncurrent loans to loans | 0.0910% | 3,622 |
| Net loans and leases to total assets | 44.5184% | 3,907 |
| Net loans and leases to deposits | 50.8201% | 3,967 |
| Net loans and leases to core deposits | 52.8461% | 3,992 |
| Total domestic deposits to total assets | 87.5999% | 2,058 |
| Equity capital to assets | 8.7434% | 4,037 |
| Core capital (leverage) ratio | 8.1363% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5975% | 1,763 |
| Memoranda: | ||
| Average total assets | $4,674,968,250 | 280 |
| Average earning assets | $4,373,717,750 | 275 |
| Average equity | $419,608,250 | 301 |
| Average total loans | $2,338,584,250 | 320 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2319% | 3,607 |
| Cost of funding earning assets | 0.1406% | 4,273 |
| Net interest margin | 3.0914% | 3,060 |
| Noninterest income to average assets | 0.6767% | 1,901 |
| Noninterest expense to average assets | 2.3937% | 2,486 |
| Loan and lease loss provision to assets | 0.0263% | 2,448 |
| Net operating income to assets | 0.9483% | 3,066 |
| Return on assets (ROA) | 0.9483% | 3,150 |
| Pretax return on assets | 1.1377% | 3,094 |
| Return on Equity (ROE) | 10.4672% | 2,593 |
| Retained earnings to average equity (ytd only) | 10.4672% | 1,261 |
| Net charge-offs to loans | 0.0274% | 1,402 |
| Credit loss provision to net charge-offs | 185.1852% | 1,078 |
| Earnings coverage of net charge-offs (x) | 82.1049% | 829 |
| Efficiency ratio | 66.8052% | 2,043 |
| Assets per employee ($millions) | 9.3188% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 1,632 |
| Loan loss allowance to noncurrent loans | 1,655.6846% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 3,413 |
| Noncurrent loans to loans | 0.0898% | 3,728 |
| Net loans and leases to total assets | 45.9924% | 3,906 |
| Net loans and leases to deposits | 53.1756% | 3,912 |
| Net loans and leases to core deposits | 55.4162% | 3,931 |
| Total domestic deposits to total assets | 86.4915% | 2,552 |
| Equity capital to assets | 8.5912% | 4,140 |
| Core capital (leverage) ratio | 8.2782% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3893% | 1,837 |
| Memoranda: | ||
| Average total assets | $4,571,132,333 | 281 |
| Average earning assets | $4,259,881,333 | 275 |
| Average equity | $414,149,000 | 301 |
| Average total loans | $2,366,758,000 | 317 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 3,522 |
| Cost of funding earning assets | 0.1505% | 4,299 |
| Net interest margin | 3.1213% | 2,925 |
| Noninterest income to average assets | 0.7387% | 1,750 |
| Noninterest expense to average assets | 2.5327% | 2,080 |
| Loan and lease loss provision to assets | 0.0546% | 2,015 |
| Net operating income to assets | 0.8747% | 3,195 |
| Return on assets (ROA) | 0.8747% | 3,280 |
| Pretax return on assets | 1.0424% | 3,250 |
| Return on Equity (ROE) | 9.3820% | 2,895 |
| Retained earnings to average equity (ytd only) | 9.3820% | 1,829 |
| Net charge-offs to loans | 0.0517% | 989 |
| Credit loss provision to net charge-offs | 193.5484% | 896 |
| Earnings coverage of net charge-offs (x) | 38.8548% | 988 |
| Efficiency ratio | 69.2896% | 1,784 |
| Assets per employee ($millions) | 8.2536% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,872 |
| Loan loss allowance to noncurrent loans | 1,504.2619% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 3,472 |
| Noncurrent loans to loans | 0.0945% | 3,834 |
| Net loans and leases to total assets | 53.3859% | 3,302 |
| Net loans and leases to deposits | 60.9226% | 3,417 |
| Net loans and leases to core deposits | 62.5795% | 3,536 |
| Total domestic deposits to total assets | 87.6292% | 2,027 |
| Equity capital to assets | 9.1897% | 3,501 |
| Core capital (leverage) ratio | 8.5440% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4964% | 1,740 |
| Memoranda: | ||
| Average total assets | $4,391,885,500 | 287 |
| Average earning assets | $4,067,753,500 | 282 |
| Average equity | $409,467,000 | 305 |
| Average total loans | $2,399,400,000 | 316 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5123% | 4,004 |
| Cost of funding earning assets | 0.2472% | 4,391 |
| Net interest margin | 3.2651% | 3,170 |
| Noninterest income to average assets | 0.7845% | 1,576 |
| Noninterest expense to average assets | 2.5669% | 2,651 |
| Loan and lease loss provision to assets | 0.1183% | 2,883 |
| Net operating income to assets | 0.9572% | 2,447 |
| Return on assets (ROA) | 0.9572% | 2,596 |
| Pretax return on assets | 1.1388% | 2,555 |
| Return on Equity (ROE) | 10.1500% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.1500% | 557 |
| Net charge-offs to loans | 0.0792% | 1,683 |
| Credit loss provision to net charge-offs | 251.9168% | 1,930 |
| Earnings coverage of net charge-offs (x) | 26.7645% | 1,703 |
| Efficiency ratio | 66.6019% | 2,430 |
| Assets per employee ($millions) | 8.1181% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,887 |
| Loan loss allowance to noncurrent loans | 446.1427% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 3,401 |
| Noncurrent loans to loans | 0.3184% | 3,060 |
| Net loans and leases to total assets | 54.3390% | 3,462 |
| Net loans and leases to deposits | 62.2848% | 3,585 |
| Net loans and leases to core deposits | 64.3157% | 3,669 |
| Total domestic deposits to total assets | 87.2429% | 1,823 |
| Equity capital to assets | 9.4603% | 3,650 |
| Core capital (leverage) ratio | 8.7266% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2494% | 1,760 |
| Memoranda: | ||
| Average total assets | $3,887,563,000 | 293 |
| Average earning assets | $3,618,961,600 | 289 |
| Average equity | $366,621,600 | 316 |
| Average total loans | $2,306,409,200 | 310 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5167% | 4,178 |
| Cost of funding earning assets | 0.2737% | 4,420 |
| Net interest margin | 3.2430% | 3,356 |
| Noninterest income to average assets | 0.8012% | 1,488 |
| Noninterest expense to average assets | 2.6087% | 2,511 |
| Loan and lease loss provision to assets | 0.1271% | 2,759 |
| Net operating income to assets | 0.9273% | 2,607 |
| Return on assets (ROA) | 0.9273% | 2,737 |
| Pretax return on assets | 1.1020% | 2,741 |
| Return on Equity (ROE) | 9.8415% | 2,073 |
| Retained earnings to average equity (ytd only) | 9.8415% | 799 |
| Net charge-offs to loans | 0.0268% | 2,297 |
| Credit loss provision to net charge-offs | 782.6087% | 994 |
| Earnings coverage of net charge-offs (x) | 75.6652% | 952 |
| Efficiency ratio | 67.4368% | 2,260 |
| Assets per employee ($millions) | 7.7654% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,859 |
| Loan loss allowance to noncurrent loans | 443.6070% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 3,485 |
| Noncurrent loans to loans | 0.3097% | 3,173 |
| Net loans and leases to total assets | 60.0841% | 3,222 |
| Net loans and leases to deposits | 69.6243% | 3,343 |
| Net loans and leases to core deposits | 72.3142% | 3,448 |
| Total domestic deposits to total assets | 86.2975% | 1,939 |
| Equity capital to assets | 9.8113% | 3,414 |
| Core capital (leverage) ratio | 8.9057% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3033% | 1,729 |
| Memoranda: | ||
| Average total assets | $3,775,684,500 | 297 |
| Average earning assets | $3,535,398,250 | 290 |
| Average equity | $355,748,750 | 319 |
| Average total loans | $2,285,615,000 | 309 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 4,173 |
| Cost of funding earning assets | 0.3133% | 4,424 |
| Net interest margin | 3.3367% | 3,287 |
| Noninterest income to average assets | 0.7573% | 1,555 |
| Noninterest expense to average assets | 2.6392% | 2,552 |
| Loan and lease loss provision to assets | 0.1145% | 2,875 |
| Net operating income to assets | 0.9417% | 2,534 |
| Return on assets (ROA) | 0.9417% | 2,660 |
| Pretax return on assets | 1.1250% | 2,634 |
| Return on Equity (ROE) | 10.1505% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.1505% | 768 |
| Net charge-offs to loans | 0.0426% | 1,895 |
| Credit loss provision to net charge-offs | 444.9153% | 1,313 |
| Earnings coverage of net charge-offs (x) | 48.1547% | 1,130 |
| Efficiency ratio | 67.4967% | 2,305 |
| Assets per employee ($millions) | 7.3449% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 1,915 |
| Loan loss allowance to noncurrent loans | 1,120.6355% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 4,156 |
| Noncurrent loans to loans | 0.1176% | 3,980 |
| Net loans and leases to total assets | 62.1614% | 3,111 |
| Net loans and leases to deposits | 71.2468% | 3,326 |
| Net loans and leases to core deposits | 74.1860% | 3,447 |
| Total domestic deposits to total assets | 87.2479% | 1,524 |
| Equity capital to assets | 9.0656% | 4,029 |
| Core capital (leverage) ratio | 8.0696% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8292% | 2,250 |
| Memoranda: | ||
| Average total assets | $3,667,529,667 | 301 |
| Average earning assets | $3,430,707,333 | 292 |
| Average equity | $340,238,667 | 329 |
| Average total loans | $2,214,870,000 | 313 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 4,151 |
| Cost of funding earning assets | 0.3795% | 4,424 |
| Net interest margin | 3.4607% | 3,121 |
| Noninterest income to average assets | 0.7540% | 1,455 |
| Noninterest expense to average assets | 2.7308% | 2,631 |
| Loan and lease loss provision to assets | 0.0681% | 2,903 |
| Net operating income to assets | 0.9849% | 2,229 |
| Return on assets (ROA) | 0.9849% | 2,330 |
| Pretax return on assets | 1.1818% | 2,260 |
| Return on Equity (ROE) | 10.4830% | 1,586 |
| Retained earnings to average equity (ytd only) | 10.4830% | 648 |
| Net charge-offs to loans | 0.0886% | 1,164 |
| Credit loss provision to net charge-offs | 130.4348% | 1,665 |
| Earnings coverage of net charge-offs (x) | 23.9478% | 1,317 |
| Efficiency ratio | 68.0462% | 2,659 |
| Assets per employee ($millions) | 6.6005% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 1,364 |
| Loan loss allowance to noncurrent loans | 1,117.9222% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 4,217 |
| Noncurrent loans to loans | 0.1337% | 3,987 |
| Net loans and leases to total assets | 57.5840% | 3,705 |
| Net loans and leases to deposits | 66.4322% | 3,841 |
| Net loans and leases to core deposits | 69.6539% | 3,899 |
| Total domestic deposits to total assets | 86.6809% | 1,698 |
| Equity capital to assets | 9.4979% | 4,220 |
| Core capital (leverage) ratio | 8.5717% | 4,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6601% | 2,414 |
| Memoranda: | ||
| Average total assets | $3,525,506,000 | 300 |
| Average earning assets | $3,287,115,500 | 293 |
| Average equity | $331,240,000 | 338 |
| Average total loans | $2,077,727,500 | 325 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 4,029 |
| Cost of funding earning assets | 0.3737% | 4,528 |
| Net interest margin | 3.7303% | 2,734 |
| Noninterest income to average assets | 0.8707% | 1,245 |
| Noninterest expense to average assets | 2.8454% | 2,457 |
| Loan and lease loss provision to assets | 0.1403% | 1,521 |
| Net operating income to assets | 1.1408% | 2,289 |
| Return on assets (ROA) | 1.1799% | 2,234 |
| Pretax return on assets | 1.3931% | 2,186 |
| Return on Equity (ROE) | 12.5829% | 1,307 |
| Retained earnings to average equity (ytd only) | 6.5990% | 1,565 |
| Net charge-offs to loans | 0.0960% | 1,764 |
| Credit loss provision to net charge-offs | 235.7255% | 1,139 |
| Earnings coverage of net charge-offs (x) | 24.9927% | 1,750 |
| Efficiency ratio | 65.1123% | 2,913 |
| Assets per employee ($millions) | 6.7059% | 1,176 |
| Cash dividends to net income (ytd only)* | 47.5561% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 1,187 |
| Loan loss allowance to noncurrent loans | 1,136.4564% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 4,242 |
| Noncurrent loans to loans | 0.1331% | 3,988 |
| Net loans and leases to total assets | 58.5276% | 3,720 |
| Net loans and leases to deposits | 66.6935% | 3,916 |
| Net loans and leases to core deposits | 69.9911% | 3,962 |
| Total domestic deposits to total assets | 87.7561% | 1,248 |
| Equity capital to assets | 9.2897% | 4,499 |
| Core capital (leverage) ratio | 8.4506% | 4,865 |
| Tier 1 risk-based capital ratio | 12.0974% | 4,308 |
| Total risk-based capital ratio | 13.3485% | 4,188 |
| Memoranda: | ||
| Average total assets | $3,207,781,800 | 306 |
| Average earning assets | $2,977,155,800 | 299 |
| Average equity | $300,805,000 | 342 |
| Average total loans | $1,987,758,800 | 325 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 4,069 |
| Cost of funding earning assets | 0.3560% | 4,636 |
| Net interest margin | 3.7821% | 2,647 |
| Noninterest income to average assets | 0.8776% | 1,202 |
| Noninterest expense to average assets | 2.8673% | 2,355 |
| Loan and lease loss provision to assets | 0.1527% | 1,230 |
| Net operating income to assets | 1.1504% | 2,361 |
| Return on assets (ROA) | 1.2030% | 2,265 |
| Pretax return on assets | 1.4344% | 2,177 |
| Return on Equity (ROE) | 12.7961% | 1,354 |
| Retained earnings to average equity (ytd only) | 4.6742% | 3,071 |
| Net charge-offs to loans | 0.1244% | 1,269 |
| Credit loss provision to net charge-offs | 195.8651% | 1,337 |
| Earnings coverage of net charge-offs (x) | 19.5511% | 1,995 |
| Efficiency ratio | 64.7251% | 2,905 |
| Assets per employee ($millions) | 6.3757% | 1,346 |
| Cash dividends to net income (ytd only)* | 63.4719% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 1,310 |
| Loan loss allowance to noncurrent loans | 1,109.8756% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 4,297 |
| Noncurrent loans to loans | 0.1332% | 4,052 |
| Net loans and leases to total assets | 62.1869% | 3,476 |
| Net loans and leases to deposits | 70.4104% | 3,742 |
| Net loans and leases to core deposits | 74.0647% | 3,825 |
| Total domestic deposits to total assets | 88.3206% | 905 |
| Equity capital to assets | 9.5991% | 4,392 |
| Core capital (leverage) ratio | 8.8289% | 4,760 |
| Tier 1 risk-based capital ratio | 11.7984% | 4,518 |
| Total risk-based capital ratio | 13.0492% | 4,411 |
| Memoranda: | ||
| Average total assets | $3,142,986,750 | 311 |
| Average earning assets | $2,920,380,000 | 303 |
| Average equity | $295,488,500 | 350 |
| Average total loans | $1,969,623,000 | 329 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1787% | 3,974 |
| Cost of funding earning assets | 0.3363% | 4,724 |
| Net interest margin | 3.8424% | 2,428 |
| Noninterest income to average assets | 0.8786% | 1,127 |
| Noninterest expense to average assets | 2.8451% | 2,429 |
| Loan and lease loss provision to assets | 0.1481% | 1,244 |
| Net operating income to assets | 1.2120% | 2,104 |
| Return on assets (ROA) | 1.2133% | 2,160 |
| Pretax return on assets | 1.4482% | 2,041 |
| Return on Equity (ROE) | 13.0004% | 1,241 |
| Retained earnings to average equity (ytd only) | 6.7923% | 1,906 |
| Net charge-offs to loans | 0.1552% | 1,011 |
| Credit loss provision to net charge-offs | 152.6211% | 1,465 |
| Earnings coverage of net charge-offs (x) | 16.4380% | 1,931 |
| Efficiency ratio | 63.5179% | 3,212 |
| Assets per employee ($millions) | 5.9792% | 1,563 |
| Cash dividends to net income (ytd only)* | 47.7530% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 1,307 |
| Loan loss allowance to noncurrent loans | 888.5360% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,228 |
| Noncurrent loans to loans | 0.1677% | 3,951 |
| Net loans and leases to total assets | 62.2368% | 3,516 |
| Net loans and leases to deposits | 69.4781% | 3,881 |
| Net loans and leases to core deposits | 73.1526% | 3,936 |
| Total domestic deposits to total assets | 89.5776% | 459 |
| Equity capital to assets | 9.8251% | 4,114 |
| Core capital (leverage) ratio | 9.0007% | 4,626 |
| Tier 1 risk-based capital ratio | 12.3143% | 4,234 |
| Total risk-based capital ratio | 13.5653% | 4,098 |
| Memoranda: | ||
| Average total assets | $3,106,785,330 | 313 |
| Average earning assets | $2,879,439,000 | 309 |
| Average equity | $289,944,000 | 355 |
| Average total loans | $1,942,027,670 | 336 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 3,867 |
| Cost of funding earning assets | 0.2949% | 4,867 |
| Net interest margin | 3.9051% | 2,171 |
| Noninterest income to average assets | 0.8597% | 1,146 |
| Noninterest expense to average assets | 2.9082% | 2,257 |
| Loan and lease loss provision to assets | 0.0903% | 1,903 |
| Net operating income to assets | 1.2293% | 1,949 |
| Return on assets (ROA) | 1.2293% | 1,998 |
| Pretax return on assets | 1.4673% | 1,872 |
| Return on Equity (ROE) | 13.5317% | 1,074 |
| Retained earnings to average equity (ytd only) | 0.7472% | 4,376 |
| Net charge-offs to loans | 0.0386% | 1,724 |
| Credit loss provision to net charge-offs | 376.3441% | 717 |
| Earnings coverage of net charge-offs (x) | 64.8925% | 881 |
| Efficiency ratio | 64.5582% | 3,150 |
| Assets per employee ($millions) | 5.8749% | 1,649 |
| Cash dividends to net income (ytd only)* | 94.4783% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 1,294 |
| Loan loss allowance to noncurrent loans | 234.2296% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 2,931 |
| Noncurrent loans to loans | 0.6461% | 2,399 |
| Net loans and leases to total assets | 62.2235% | 3,480 |
| Net loans and leases to deposits | 69.1168% | 3,837 |
| Net loans and leases to core deposits | 72.7080% | 3,893 |
| Total domestic deposits to total assets | 90.0266% | 436 |
| Equity capital to assets | 9.4292% | 4,323 |
| Core capital (leverage) ratio | 8.5935% | 4,950 |
| Tier 1 risk-based capital ratio | 12.2360% | 4,332 |
| Total risk-based capital ratio | 13.4873% | 4,200 |
| Memoranda: | ||
| Average total assets | $3,099,617,000 | 315 |
| Average earning assets | $2,862,307,000 | 312 |
| Average equity | $281,590,000 | 360 |
| Average total loans | $1,927,110,000 | 342 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 4,292 |
| Cost of funding earning assets | 0.2172% | 4,935 |
| Net interest margin | 3.6734% | 3,145 |
| Noninterest income to average assets | 1.3709% | 487 |
| Noninterest expense to average assets | 3.0410% | 1,966 |
| Loan and lease loss provision to assets | 0.1208% | 1,823 |
| Net operating income to assets | 1.3648% | 1,555 |
| Return on assets (ROA) | 1.3463% | 1,615 |
| Pretax return on assets | 1.5765% | 1,535 |
| Return on Equity (ROE) | 15.0540% | 817 |
| Retained earnings to average equity (ytd only) | 3.7366% | 3,519 |
| Net charge-offs to loans | 0.1192% | 1,547 |
| Credit loss provision to net charge-offs | 162.2096% | 1,710 |
| Earnings coverage of net charge-offs (x) | 23.0846% | 1,867 |
| Efficiency ratio | 59.9955% | 3,861 |
| Assets per employee ($millions) | 6.0577% | 1,481 |
| Cash dividends to net income (ytd only)* | 75.1789% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,351 |
| Loan loss allowance to noncurrent loans | 217.9669% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 2,893 |
| Noncurrent loans to loans | 0.6789% | 2,298 |
| Net loans and leases to total assets | 60.2958% | 3,739 |
| Net loans and leases to deposits | 66.5997% | 4,071 |
| Net loans and leases to core deposits | 69.0793% | 4,169 |
| Total domestic deposits to total assets | 90.5347% | 314 |
| Equity capital to assets | 8.7525% | 4,764 |
| Core capital (leverage) ratio | 8.5928% | 4,958 |
| Tier 1 risk-based capital ratio | 12.1630% | 4,318 |
| Total risk-based capital ratio | 13.4139% | 4,206 |
| Memoranda: | ||
| Average total assets | $3,062,941,200 | 315 |
| Average earning assets | $2,825,976,400 | 310 |
| Average equity | $273,914,600 | 362 |
| Average total loans | $1,913,495,200 | 339 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 4,421 |
| Cost of funding earning assets | 0.1992% | 5,021 |
| Net interest margin | 3.6087% | 3,340 |
| Noninterest income to average assets | 1.5409% | 410 |
| Noninterest expense to average assets | 3.1344% | 1,678 |
| Loan and lease loss provision to assets | 0.1535% | 1,280 |
| Net operating income to assets | 1.3366% | 1,715 |
| Return on assets (ROA) | 1.3120% | 1,816 |
| Pretax return on assets | 1.5575% | 1,711 |
| Return on Equity (ROE) | 14.5898% | 960 |
| Retained earnings to average equity (ytd only) | 2.8828% | 4,277 |
| Net charge-offs to loans | 0.0566% | 2,005 |
| Credit loss provision to net charge-offs | 431.5660% | 783 |
| Earnings coverage of net charge-offs (x) | 48.9246% | 1,185 |
| Efficiency ratio | 59.3705% | 3,910 |
| Assets per employee ($millions) | 5.9466% | 1,526 |
| Cash dividends to net income (ytd only)* | 80.2407% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 1,191 |
| Loan loss allowance to noncurrent loans | 219.0329% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 2,863 |
| Noncurrent loans to loans | 0.7081% | 2,305 |
| Net loans and leases to total assets | 62.3551% | 3,618 |
| Net loans and leases to deposits | 68.8796% | 3,996 |
| Net loans and leases to core deposits | 72.4558% | 4,049 |
| Total domestic deposits to total assets | 90.5277% | 331 |
| Equity capital to assets | 8.7308% | 4,773 |
| Core capital (leverage) ratio | 8.4035% | 5,141 |
| Tier 1 risk-based capital ratio | 12.2033% | 4,375 |
| Total risk-based capital ratio | 13.4553% | 4,270 |
| Memoranda: | ||
| Average total assets | $3,039,666,500 | 316 |
| Average earning assets | $2,808,174,250 | 312 |
| Average equity | $273,335,250 | 357 |
| Average total loans | $1,908,983,500 | 337 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 3,868 |
| Cost of funding earning assets | 0.1922% | 5,066 |
| Net interest margin | 3.7801% | 2,636 |
| Noninterest income to average assets | 1.2553% | 608 |
| Noninterest expense to average assets | 3.1545% | 1,651 |
| Loan and lease loss provision to assets | 0.0772% | 2,359 |
| Net operating income to assets | 1.2960% | 1,790 |
| Return on assets (ROA) | 1.2560% | 1,957 |
| Pretax return on assets | 1.4809% | 1,883 |
| Return on Equity (ROE) | 14.2305% | 1,029 |
| Retained earnings to average equity (ytd only) | 6.2792% | 2,429 |
| Net charge-offs to loans | 0.0524% | 1,851 |
| Credit loss provision to net charge-offs | 225.8727% | 1,206 |
| Earnings coverage of net charge-offs (x) | 46.9630% | 1,171 |
| Efficiency ratio | 65.4295% | 3,078 |
| Assets per employee ($millions) | 5.2605% | 2,140 |
| Cash dividends to net income (ytd only)* | 55.8753% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,490 |
| Loan loss allowance to noncurrent loans | 976.5702% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 4,455 |
| Noncurrent loans to loans | 0.1504% | 4,227 |
| Net loans and leases to total assets | 64.6300% | 3,327 |
| Net loans and leases to deposits | 74.3011% | 3,506 |
| Net loans and leases to core deposits | 78.1401% | 3,570 |
| Total domestic deposits to total assets | 86.9839% | 1,846 |
| Equity capital to assets | 8.7096% | 4,791 |
| Core capital (leverage) ratio | 8.4115% | 5,164 |
| Tier 1 risk-based capital ratio | 11.4986% | 4,786 |
| Total risk-based capital ratio | 12.7498% | 4,683 |
| Memoranda: | ||
| Average total assets | $2,849,730,670 | 333 |
| Average earning assets | $2,641,848,000 | 324 |
| Average equity | $251,529,670 | 381 |
| Average total loans | $1,857,643,330 | 343 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 4,029 |
| Cost of funding earning assets | 0.1635% | 5,197 |
| Net interest margin | 3.7030% | 2,784 |
| Noninterest income to average assets | 1.2339% | 609 |
| Noninterest expense to average assets | 3.1624% | 1,659 |
| Loan and lease loss provision to assets | 0.0564% | 2,642 |
| Net operating income to assets | 1.2317% | 1,888 |
| Return on assets (ROA) | 1.2049% | 1,993 |
| Pretax return on assets | 1.4110% | 1,970 |
| Return on Equity (ROE) | 13.5599% | 1,118 |
| Retained earnings to average equity (ytd only) | 8.8020% | 1,540 |
| Net charge-offs to loans | 0.0421% | 1,696 |
| Credit loss provision to net charge-offs | 206.1856% | 1,028 |
| Earnings coverage of net charge-offs (x) | 54.8299% | 893 |
| Efficiency ratio | 66.9750% | 3,011 |
| Assets per employee ($millions) | 5.2319% | 2,219 |
| Cash dividends to net income (ytd only)* | 35.0877% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,565 |
| Loan loss allowance to noncurrent loans | 954.7969% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 4,536 |
| Noncurrent loans to loans | 0.1545% | 4,288 |
| Net loans and leases to total assets | 65.1984% | 3,149 |
| Net loans and leases to deposits | 72.5794% | 3,547 |
| Net loans and leases to core deposits | 76.7889% | 3,597 |
| Total domestic deposits to total assets | 89.8304% | 723 |
| Equity capital to assets | 8.9673% | 4,592 |
| Core capital (leverage) ratio | 8.2699% | 5,279 |
| Tier 1 risk-based capital ratio | 11.6530% | 4,769 |
| Total risk-based capital ratio | 12.9043% | 4,663 |
| Memoranda: | ||
| Average total assets | $2,838,476,000 | 331 |
| Average earning assets | $2,627,251,500 | 323 |
| Average equity | $252,214,500 | 384 |
| Average total loans | $1,844,463,000 | 346 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 4,344 |
| Cost of funding earning assets | 0.1301% | 5,366 |
| Net interest margin | 3.5671% | 3,274 |
| Noninterest income to average assets | 1.2932% | 635 |
| Noninterest expense to average assets | 3.0773% | 1,931 |
| Loan and lease loss provision to assets | 0.0435% | 3,372 |
| Net operating income to assets | 0.8726% | 2,850 |
| Return on assets (ROA) | 0.8759% | 2,858 |
| Pretax return on assets | 1.4937% | 1,667 |
| Return on Equity (ROE) | 9.5910% | 2,059 |
| Retained earnings to average equity (ytd only) | 2.4516% | 3,865 |
| Net charge-offs to loans | 0.0828% | 2,272 |
| Credit loss provision to net charge-offs | 79.0514% | 2,954 |
| Earnings coverage of net charge-offs (x) | 27.8597% | 1,621 |
| Efficiency ratio | 65.8624% | 3,299 |
| Assets per employee ($millions) | 5.3689% | 2,087 |
| Cash dividends to net income (ytd only)* | 74.4386% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 1,507 |
| Loan loss allowance to noncurrent loans | 818.1076% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 4,505 |
| Noncurrent loans to loans | 0.1798% | 4,200 |
| Net loans and leases to total assets | 62.8854% | 3,497 |
| Net loans and leases to deposits | 71.2996% | 3,760 |
| Net loans and leases to core deposits | 74.8282% | 3,822 |
| Total domestic deposits to total assets | 88.1987% | 1,396 |
| Equity capital to assets | 8.8064% | 4,892 |
| Core capital (leverage) ratio | 8.2065% | 5,347 |
| Tier 1 risk-based capital ratio | 11.3300% | 4,963 |
| Total risk-based capital ratio | 12.5811% | 4,839 |
| Memoranda: | ||
| Average total assets | $2,760,612,400 | 323 |
| Average earning assets | $2,566,381,400 | 315 |
| Average equity | $252,122,800 | 370 |
| Average total loans | $1,832,691,600 | 334 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 4,428 |
| Cost of funding earning assets | 0.1219% | 5,468 |
| Net interest margin | 3.5358% | 3,368 |
| Noninterest income to average assets | 1.2802% | 651 |
| Noninterest expense to average assets | 3.0909% | 1,828 |
| Loan and lease loss provision to assets | 0.0586% | 2,907 |
| Net operating income to assets | 1.0942% | 2,114 |
| Return on assets (ROA) | 1.0996% | 2,148 |
| Pretax return on assets | 1.4334% | 2,000 |
| Return on Equity (ROE) | 11.9271% | 1,355 |
| Retained earnings to average equity (ytd only) | 2.3913% | 4,455 |
| Net charge-offs to loans | 0.0993% | 1,790 |
| Credit loss provision to net charge-offs | 87.9765% | 2,484 |
| Earnings coverage of net charge-offs (x) | 22.2918% | 1,870 |
| Efficiency ratio | 66.6297% | 3,100 |
| Assets per employee ($millions) | 5.0773% | 2,356 |
| Cash dividends to net income (ytd only)* | 79.9502% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 1,526 |
| Loan loss allowance to noncurrent loans | 797.4509% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 4,577 |
| Noncurrent loans to loans | 0.1883% | 4,318 |
| Net loans and leases to total assets | 64.8888% | 3,267 |
| Net loans and leases to deposits | 72.7230% | 3,703 |
| Net loans and leases to core deposits | 76.3749% | 3,778 |
| Total domestic deposits to total assets | 89.2273% | 768 |
| Equity capital to assets | 9.4608% | 4,478 |
| Core capital (leverage) ratio | 8.6568% | 5,103 |
| Tier 1 risk-based capital ratio | 11.5625% | 4,917 |
| Total risk-based capital ratio | 12.8143% | 4,803 |
| Memoranda: | ||
| Average total assets | $2,729,984,750 | 326 |
| Average earning assets | $2,544,682,250 | 318 |
| Average equity | $251,679,000 | 372 |
| Average total loans | $1,830,833,250 | 334 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6357% | 4,412 |
| Cost of funding earning assets | 0.1216% | 5,499 |
| Net interest margin | 3.5141% | 3,345 |
| Noninterest income to average assets | 1.2826% | 631 |
| Noninterest expense to average assets | 3.1128% | 1,807 |
| Loan and lease loss provision to assets | 0.0441% | 3,110 |
| Net operating income to assets | 1.0658% | 2,138 |
| Return on assets (ROA) | 1.0738% | 2,154 |
| Pretax return on assets | 1.4122% | 1,969 |
| Return on Equity (ROE) | 11.7514% | 1,376 |
| Retained earnings to average equity (ytd only) | -2.7188% | 5,402 |
| Net charge-offs to loans | 0.0908% | 1,703 |
| Credit loss provision to net charge-offs | 71.9424% | 2,359 |
| Earnings coverage of net charge-offs (x) | 23.5995% | 1,675 |
| Efficiency ratio | 67.3596% | 3,121 |
| Assets per employee ($millions) | 4.9291% | 2,478 |
| Cash dividends to net income (ytd only)* | 123.1359% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 1,652 |
| Loan loss allowance to noncurrent loans | 901.8937% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 4,572 |
| Noncurrent loans to loans | 0.1639% | 4,459 |
| Net loans and leases to total assets | 67.9655% | 2,824 |
| Net loans and leases to deposits | 75.8587% | 3,359 |
| Net loans and leases to core deposits | 79.8754% | 3,429 |
| Total domestic deposits to total assets | 89.5949% | 685 |
| Equity capital to assets | 9.4497% | 4,455 |
| Core capital (leverage) ratio | 8.3216% | 5,336 |
| Tier 1 risk-based capital ratio | 11.0773% | 5,209 |
| Total risk-based capital ratio | 12.3290% | 5,105 |
| Memoranda: | ||
| Average total assets | $2,722,672,000 | 333 |
| Average earning assets | $2,538,213,000 | 323 |
| Average equity | $248,787,670 | 377 |
| Average total loans | $1,836,808,670 | 336 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5268% | 4,618 |
| Cost of funding earning assets | 0.1210% | 5,555 |
| Net interest margin | 3.4058% | 3,637 |
| Noninterest income to average assets | 1.2755% | 624 |
| Noninterest expense to average assets | 3.1233% | 1,806 |
| Loan and lease loss provision to assets | 0.0291% | 3,188 |
| Net operating income to assets | 0.9990% | 2,311 |
| Return on assets (ROA) | 1.0150% | 2,300 |
| Pretax return on assets | 1.3266% | 2,151 |
| Return on Equity (ROE) | 11.2941% | 1,468 |
| Retained earnings to average equity (ytd only) | -4.8727% | 5,378 |
| Net charge-offs to loans | 0.1433% | 1,085 |
| Credit loss provision to net charge-offs | 30.3951% | 2,114 |
| Earnings coverage of net charge-offs (x) | 13.9635% | 1,750 |
| Efficiency ratio | 69.1217% | 3,021 |
| Assets per employee ($millions) | 5.0326% | 2,399 |
| Cash dividends to net income (ytd only)* | 143.1434% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 1,755 |
| Loan loss allowance to noncurrent loans | 1,176.1905% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 4,606 |
| Noncurrent loans to loans | 0.1261% | 4,681 |
| Net loans and leases to total assets | 66.2987% | 2,931 |
| Net loans and leases to deposits | 73.8936% | 3,417 |
| Net loans and leases to core deposits | 77.8514% | 3,482 |
| Total domestic deposits to total assets | 89.7219% | 783 |
| Equity capital to assets | 9.1240% | 4,687 |
| Core capital (leverage) ratio | 8.1261% | 5,494 |
| Tier 1 risk-based capital ratio | 11.0537% | 5,280 |
| Total risk-based capital ratio | 12.3052% | 5,182 |
| Memoranda: | ||
| Average total assets | $2,753,154,500 | 332 |
| Average earning assets | $2,572,764,500 | 325 |
| Average equity | $247,420,500 | 377 |
| Average total loans | $1,837,118,000 | 338 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5728% | 4,585 |
| Cost of funding earning assets | 0.1320% | 5,534 |
| Net interest margin | 3.4408% | 3,659 |
| Noninterest income to average assets | 1.2705% | 701 |
| Noninterest expense to average assets | 3.0607% | 2,137 |
| Loan and lease loss provision to assets | 0.1077% | 2,252 |
| Net operating income to assets | 0.9748% | 2,460 |
| Return on assets (ROA) | 0.9928% | 2,484 |
| Pretax return on assets | 1.3004% | 2,286 |
| Return on Equity (ROE) | 10.7260% | 1,682 |
| Retained earnings to average equity (ytd only) | 3.5380% | 3,416 |
| Net charge-offs to loans | 0.0763% | 2,606 |
| Credit loss provision to net charge-offs | 209.4177% | 1,356 |
| Earnings coverage of net charge-offs (x) | 26.9252% | 1,533 |
| Efficiency ratio | 67.5176% | 3,344 |
| Assets per employee ($millions) | 5.2698% | 2,093 |
| Cash dividends to net income (ytd only)* | 67.0141% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 1,788 |
| Loan loss allowance to noncurrent loans | 267.1578% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,810 |
| Noncurrent loans to loans | 0.5513% | 3,196 |
| Net loans and leases to total assets | 65.2065% | 3,192 |
| Net loans and leases to deposits | 72.3423% | 3,677 |
| Net loans and leases to core deposits | 76.2180% | 3,733 |
| Total domestic deposits to total assets | 90.1361% | 588 |
| Equity capital to assets | 8.8550% | 4,964 |
| Core capital (leverage) ratio | 8.2042% | 5,504 |
| Tier 1 risk-based capital ratio | 11.1340% | 5,268 |
| Total risk-based capital ratio | 12.3856% | 5,150 |
| Memoranda: | ||
| Average total assets | $2,705,421,400 | 324 |
| Average earning assets | $2,496,135,000 | 319 |
| Average equity | $250,420,600 | 361 |
| Average total loans | $1,822,210,400 | 328 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 4,562 |
| Cost of funding earning assets | 0.1354% | 5,584 |
| Net interest margin | 3.4607% | 3,622 |
| Noninterest income to average assets | 1.2944% | 690 |
| Noninterest expense to average assets | 3.1313% | 1,952 |
| Loan and lease loss provision to assets | 0.0827% | 2,553 |
| Net operating income to assets | 0.9672% | 2,581 |
| Return on assets (ROA) | 0.9917% | 2,616 |
| Pretax return on assets | 1.2912% | 2,467 |
| Return on Equity (ROE) | 10.5938% | 1,828 |
| Retained earnings to average equity (ytd only) | 2.0894% | 4,647 |
| Net charge-offs to loans | 0.0391% | 2,848 |
| Credit loss provision to net charge-offs | 312.5940% | 1,000 |
| Earnings coverage of net charge-offs (x) | 50.6989% | 1,060 |
| Efficiency ratio | 68.5261% | 3,135 |
| Assets per employee ($millions) | 5.1093% | 2,243 |
| Cash dividends to net income (ytd only)* | 80.2770% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,979 |
| Loan loss allowance to noncurrent loans | 757.0827% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 4,906 |
| Noncurrent loans to loans | 0.1916% | 4,582 |
| Net loans and leases to total assets | 67.1983% | 2,923 |
| Net loans and leases to deposits | 75.0038% | 3,499 |
| Net loans and leases to core deposits | 79.0883% | 3,541 |
| Total domestic deposits to total assets | 89.5933% | 625 |
| Equity capital to assets | 9.3152% | 4,849 |
| Core capital (leverage) ratio | 8.3427% | 5,476 |
| Tier 1 risk-based capital ratio | 10.8533% | 5,453 |
| Total risk-based capital ratio | 12.1047% | 5,361 |
| Memoranda: | ||
| Average total assets | $2,679,572,250 | 323 |
| Average earning assets | $2,461,452,750 | 319 |
| Average equity | $250,845,500 | 360 |
| Average total loans | $1,813,035,000 | 328 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 4,547 |
| Cost of funding earning assets | 0.1390% | 5,621 |
| Net interest margin | 3.4764% | 3,581 |
| Noninterest income to average assets | 1.2676% | 710 |
| Noninterest expense to average assets | 3.1565% | 1,916 |
| Loan and lease loss provision to assets | 0.0707% | 2,721 |
| Net operating income to assets | 0.9379% | 2,689 |
| Return on assets (ROA) | 0.9750% | 2,643 |
| Pretax return on assets | 1.2704% | 2,523 |
| Return on Equity (ROE) | 10.3979% | 1,888 |
| Retained earnings to average equity (ytd only) | 2.3897% | 4,359 |
| Net charge-offs to loans | 0.0416% | 2,629 |
| Credit loss provision to net charge-offs | 251.8717% | 1,094 |
| Earnings coverage of net charge-offs (x) | 46.0348% | 1,051 |
| Efficiency ratio | 69.3879% | 3,076 |
| Assets per employee ($millions) | 4.9795% | 2,320 |
| Cash dividends to net income (ytd only)* | 77.0179% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 2,144 |
| Loan loss allowance to noncurrent loans | 714.0503% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 4,943 |
| Noncurrent loans to loans | 0.2007% | 4,639 |
| Net loans and leases to total assets | 68.7535% | 2,671 |
| Net loans and leases to deposits | 76.8623% | 3,287 |
| Net loans and leases to core deposits | 81.0455% | 3,363 |
| Total domestic deposits to total assets | 89.4502% | 708 |
| Equity capital to assets | 9.5612% | 4,704 |
| Core capital (leverage) ratio | 8.4027% | 5,446 |
| Tier 1 risk-based capital ratio | 10.7980% | 5,526 |
| Total risk-based capital ratio | 12.0489% | 5,450 |
| Memoranda: | ||
| Average total assets | $2,663,304,670 | 323 |
| Average earning assets | $2,437,638,330 | 323 |
| Average equity | $249,742,670 | 362 |
| Average total loans | $1,797,242,670 | 327 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5957% | 4,624 |
| Cost of funding earning assets | 0.1440% | 5,647 |
| Net interest margin | 3.4516% | 3,661 |
| Noninterest income to average assets | 1.2418% | 704 |
| Noninterest expense to average assets | 3.1216% | 2,041 |
| Loan and lease loss provision to assets | 0.0299% | 3,262 |
| Net operating income to assets | 0.9462% | 2,527 |
| Return on assets (ROA) | 0.9462% | 2,642 |
| Pretax return on assets | 1.2497% | 2,503 |
| Return on Equity (ROE) | 10.1898% | 1,909 |
| Retained earnings to average equity (ytd only) | 4.5494% | 3,208 |
| Net charge-offs to loans | 0.0365% | 2,252 |
| Credit loss provision to net charge-offs | 123.4568% | 1,415 |
| Earnings coverage of net charge-offs (x) | 52.7840% | 848 |
| Efficiency ratio | 69.3608% | 3,234 |
| Assets per employee ($millions) | 4.8994% | 2,459 |
| Cash dividends to net income (ytd only)* | 55.3535% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 2,204 |
| Loan loss allowance to noncurrent loans | 555.2530% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 4,848 |
| Noncurrent loans to loans | 0.2611% | 4,501 |
| Net loans and leases to total assets | 67.5278% | 2,724 |
| Net loans and leases to deposits | 75.5076% | 3,278 |
| Net loans and leases to core deposits | 79.7051% | 3,346 |
| Total domestic deposits to total assets | 89.4318% | 871 |
| Equity capital to assets | 9.6584% | 4,495 |
| Core capital (leverage) ratio | 8.2762% | 5,591 |
| Tier 1 risk-based capital ratio | 11.1297% | 5,436 |
| Total risk-based capital ratio | 12.3809% | 5,343 |
| Memoranda: | ||
| Average total assets | $2,672,890,500 | 319 |
| Average earning assets | $2,446,609,500 | 316 |
| Average equity | $248,209,000 | 361 |
| Average total loans | $1,773,683,500 | 327 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4409% | 5,067 |
| Cost of funding earning assets | 0.1599% | 5,615 |
| Net interest margin | 3.2810% | 4,370 |
| Noninterest income to average assets | 1.2648% | 745 |
| Noninterest expense to average assets | 3.1475% | 2,094 |
| Loan and lease loss provision to assets | 0.0447% | 3,434 |
| Net operating income to assets | 0.8297% | 3,196 |
| Return on assets (ROA) | 0.8296% | 3,271 |
| Pretax return on assets | 1.0709% | 3,185 |
| Return on Equity (ROE) | 8.9209% | 2,488 |
| Retained earnings to average equity (ytd only) | 1.8773% | 4,657 |
| Net charge-offs to loans | 0.0252% | 3,735 |
| Credit loss provision to net charge-offs | 272.3005% | 1,071 |
| Earnings coverage of net charge-offs (x) | 67.9718% | 790 |
| Efficiency ratio | 71.5323% | 2,973 |
| Assets per employee ($millions) | 5.1394% | 2,190 |
| Cash dividends to net income (ytd only)* | 78.9559% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 2,140 |
| Loan loss allowance to noncurrent loans | 578.3717% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 4,954 |
| Noncurrent loans to loans | 0.2538% | 4,525 |
| Net loans and leases to total assets | 63.3561% | 3,366 |
| Net loans and leases to deposits | 70.3338% | 3,887 |
| Net loans and leases to core deposits | 74.1625% | 3,921 |
| Total domestic deposits to total assets | 90.0790% | 601 |
| Equity capital to assets | 8.9320% | 5,190 |
| Core capital (leverage) ratio | 8.2425% | 5,652 |
| Tier 1 risk-based capital ratio | 10.9535% | 5,546 |
| Total risk-based capital ratio | 12.2046% | 5,452 |
| Memoranda: | ||
| Average total assets | $2,595,259,800 | 312 |
| Average earning assets | $2,371,707,400 | 308 |
| Average equity | $241,355,400 | 360 |
| Average total loans | $1,693,586,800 | 320 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4428% | 5,112 |
| Cost of funding earning assets | 0.1653% | 5,664 |
| Net interest margin | 3.2775% | 4,435 |
| Noninterest income to average assets | 1.2711% | 744 |
| Noninterest expense to average assets | 3.1641% | 2,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8343% | 3,258 |
| Return on assets (ROA) | 0.8342% | 3,341 |
| Pretax return on assets | 1.1036% | 3,217 |
| Return on Equity (ROE) | 8.8764% | 2,643 |
| Retained earnings to average equity (ytd only) | -0.5471% | 5,699 |
| Net charge-offs to loans | 0.0108% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 155.7710% | 450 |
| Efficiency ratio | 71.8185% | 2,915 |
| Assets per employee ($millions) | 4.8672% | 2,461 |
| Cash dividends to net income (ytd only)* | 106.1638% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 2,319 |
| Loan loss allowance to noncurrent loans | 614.7355% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 5,143 |
| Noncurrent loans to loans | 0.2378% | 4,720 |
| Net loans and leases to total assets | 64.1987% | 3,279 |
| Net loans and leases to deposits | 71.6707% | 3,807 |
| Net loans and leases to core deposits | 76.1046% | 3,789 |
| Total domestic deposits to total assets | 89.5745% | 742 |
| Equity capital to assets | 9.2006% | 5,109 |
| Core capital (leverage) ratio | 8.2717% | 5,732 |
| Tier 1 risk-based capital ratio | 11.2358% | 5,534 |
| Total risk-based capital ratio | 12.4872% | 5,427 |
| Memoranda: | ||
| Average total assets | $2,559,251,500 | 318 |
| Average earning assets | $2,339,913,000 | 317 |
| Average equity | $240,526,000 | 367 |
| Average total loans | $1,676,641,750 | 328 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4123% | 5,202 |
| Cost of funding earning assets | 0.1706% | 5,687 |
| Net interest margin | 3.2417% | 4,522 |
| Noninterest income to average assets | 1.2881% | 738 |
| Noninterest expense to average assets | 3.2040% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7995% | 3,394 |
| Return on assets (ROA) | 0.7994% | 3,482 |
| Pretax return on assets | 1.0443% | 3,398 |
| Return on Equity (ROE) | 8.4447% | 2,823 |
| Retained earnings to average equity (ytd only) | 0.1199% | 5,470 |
| Net charge-offs to loans | 0.0168% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 94.6571% | 619 |
| Efficiency ratio | 73.1097% | 2,814 |
| Assets per employee ($millions) | 4.6164% | 2,806 |
| Cash dividends to net income (ytd only)* | 98.5804% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 2,428 |
| Loan loss allowance to noncurrent loans | 554.2369% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 5,115 |
| Noncurrent loans to loans | 0.2644% | 4,723 |
| Net loans and leases to total assets | 66.2953% | 2,897 |
| Net loans and leases to deposits | 74.5124% | 3,433 |
| Net loans and leases to core deposits | 79.9122% | 3,393 |
| Total domestic deposits to total assets | 88.9722% | 1,156 |
| Equity capital to assets | 9.4900% | 4,665 |
| Core capital (leverage) ratio | 8.5213% | 5,509 |
| Tier 1 risk-based capital ratio | 11.4238% | 5,515 |
| Total risk-based capital ratio | 12.6753% | 5,433 |
| Memoranda: | ||
| Average total assets | $2,537,867,000 | 320 |
| Average earning assets | $2,317,500,670 | 315 |
| Average equity | $240,244,670 | 369 |
| Average total loans | $1,665,795,670 | 330 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3653% | 5,293 |
| Cost of funding earning assets | 0.1765% | 5,706 |
| Net interest margin | 3.1888% | 4,651 |
| Noninterest income to average assets | 1.3030% | 678 |
| Noninterest expense to average assets | 3.1854% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7960% | 3,280 |
| Return on assets (ROA) | 0.7959% | 3,409 |
| Pretax return on assets | 1.0255% | 3,402 |
| Return on Equity (ROE) | 8.4178% | 2,738 |
| Retained earnings to average equity (ytd only) | 0.0883% | 5,343 |
| Net charge-offs to loans | 0.0056% | 3,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 283.1304% | 203 |
| Efficiency ratio | 73.3169% | 2,943 |
| Assets per employee ($millions) | 4.4768% | 3,087 |
| Cash dividends to net income (ytd only)* | 98.9511% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 2,358 |
| Loan loss allowance to noncurrent loans | 547.9590% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 5,078 |
| Noncurrent loans to loans | 0.2780% | 4,786 |
| Net loans and leases to total assets | 65.2042% | 2,897 |
| Net loans and leases to deposits | 72.9566% | 3,440 |
| Net loans and leases to core deposits | 78.5426% | 3,326 |
| Total domestic deposits to total assets | 89.3740% | 1,060 |
| Equity capital to assets | 9.6635% | 4,559 |
| Core capital (leverage) ratio | 8.4336% | 5,593 |
| Tier 1 risk-based capital ratio | 11.8864% | 5,318 |
| Total risk-based capital ratio | 13.1387% | 5,203 |
| Memoranda: | ||
| Average total assets | $2,539,608,500 | 318 |
| Average earning assets | $2,316,011,500 | 315 |
| Average equity | $240,110,000 | 365 |
| Average total loans | $1,646,112,000 | 330 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 5,128 |
| Cost of funding earning assets | 0.1840% | 5,884 |
| Net interest margin | 3.3980% | 4,209 |
| Noninterest income to average assets | 1.3243% | 704 |
| Noninterest expense to average assets | 3.3841% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7972% | 3,383 |
| Return on assets (ROA) | 0.7932% | 3,503 |
| Pretax return on assets | 1.0390% | 3,358 |
| Return on Equity (ROE) | 8.4777% | 2,857 |
| Retained earnings to average equity (ytd only) | 6.7335% | 1,523 |
| Net charge-offs to loans | 0.0053% | 4,833 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 316.0000% | 178 |
| Efficiency ratio | 74.1283% | 2,811 |
| Assets per employee ($millions) | 4.4889% | 3,060 |
| Cash dividends to net income (ytd only)* | 20.5740% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 2,349 |
| Loan loss allowance to noncurrent loans | 706.1551% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 5,329 |
| Noncurrent loans to loans | 0.2164% | 5,041 |
| Net loans and leases to total assets | 62.5068% | 3,438 |
| Net loans and leases to deposits | 69.6133% | 3,963 |
| Net loans and leases to core deposits | 74.6563% | 3,854 |
| Total domestic deposits to total assets | 89.7915% | 837 |
| Equity capital to assets | 9.2538% | 5,001 |
| Core capital (leverage) ratio | 8.3239% | 5,755 |
| Tier 1 risk-based capital ratio | 12.6707% | 4,934 |
| Total risk-based capital ratio | 13.9244% | 4,848 |
| Memoranda: | ||
| Average total assets | $2,451,184,000 | 310 |
| Average earning assets | $2,239,172,400 | 306 |
| Average equity | $229,331,400 | 359 |
| Average total loans | $1,519,983,000 | 328 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 5,101 |
| Cost of funding earning assets | 0.1859% | 5,956 |
| Net interest margin | 3.4319% | 4,102 |
| Noninterest income to average assets | 1.3385% | 681 |
| Noninterest expense to average assets | 3.3948% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8083% | 3,395 |
| Return on assets (ROA) | 0.8095% | 3,484 |
| Pretax return on assets | 1.0823% | 3,259 |
| Return on Equity (ROE) | 8.6275% | 2,889 |
| Retained earnings to average equity (ytd only) | 6.2754% | 2,237 |
| Net charge-offs to loans | -0.0021% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5529% | 2,890 |
| Assets per employee ($millions) | 4.3257% | 3,256 |
| Cash dividends to net income (ytd only)* | 27.2628% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 2,500 |
| Loan loss allowance to noncurrent loans | 607.8053% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 5,410 |
| Noncurrent loans to loans | 0.2550% | 5,140 |
| Net loans and leases to total assets | 64.4339% | 3,121 |
| Net loans and leases to deposits | 73.9828% | 3,432 |
| Net loans and leases to core deposits | 79.7150% | 3,349 |
| Total domestic deposits to total assets | 87.0931% | 2,263 |
| Equity capital to assets | 9.3981% | 4,924 |
| Core capital (leverage) ratio | 8.5188% | 5,643 |
| Tier 1 risk-based capital ratio | 12.4965% | 5,171 |
| Total risk-based capital ratio | 13.7505% | 5,105 |
| Memoranda: | ||
| Average total assets | $2,416,449,750 | 311 |
| Average earning assets | $2,208,801,750 | 304 |
| Average equity | $226,743,000 | 357 |
| Average total loans | $1,488,947,250 | 329 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6646% | 4,964 |
| Cost of funding earning assets | 0.1877% | 6,018 |
| Net interest margin | 3.4769% | 3,870 |
| Noninterest income to average assets | 1.3834% | 633 |
| Noninterest expense to average assets | 3.4453% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8177% | 3,246 |
| Return on assets (ROA) | 0.8179% | 3,340 |
| Pretax return on assets | 1.1009% | 3,097 |
| Return on Equity (ROE) | 8.7208% | 2,723 |
| Retained earnings to average equity (ytd only) | 5.1558% | 2,856 |
| Net charge-offs to loans | 0.0073% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 248.4906% | 268 |
| Efficiency ratio | 73.5011% | 3,062 |
| Assets per employee ($millions) | 4.1812% | 3,494 |
| Cash dividends to net income (ytd only)* | 40.8789% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 2,210 |
| Loan loss allowance to noncurrent loans | 528.9800% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 5,281 |
| Noncurrent loans to loans | 0.3166% | 5,063 |
| Net loans and leases to total assets | 61.8454% | 3,429 |
| Net loans and leases to deposits | 69.0033% | 3,939 |
| Net loans and leases to core deposits | 74.2004% | 3,816 |
| Total domestic deposits to total assets | 89.6267% | 1,004 |
| Equity capital to assets | 9.5520% | 4,685 |
| Core capital (leverage) ratio | 8.3959% | 5,746 |
| Tier 1 risk-based capital ratio | 12.9534% | 4,942 |
| Total risk-based capital ratio | 14.2087% | 4,875 |
| Memoranda: | ||
| Average total assets | $2,392,850,000 | 312 |
| Average earning assets | $2,176,646,000 | 307 |
| Average equity | $224,406,000 | 359 |
| Average total loans | $1,442,642,670 | 330 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 5,273 |
| Cost of funding earning assets | 0.1888% | 6,085 |
| Net interest margin | 3.3717% | 4,253 |
| Noninterest income to average assets | 1.4494% | 561 |
| Noninterest expense to average assets | 3.4290% | 1,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7911% | 3,194 |
| Return on assets (ROA) | 0.7913% | 3,267 |
| Pretax return on assets | 1.0676% | 3,043 |
| Return on Equity (ROE) | 8.5163% | 2,679 |
| Retained earnings to average equity (ytd only) | 1.3280% | 5,085 |
| Net charge-offs to loans | -0.0062% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9528% | 3,151 |
| Assets per employee ($millions) | 4.2144% | 3,498 |
| Cash dividends to net income (ytd only)* | 84.4060% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 2,152 |
| Loan loss allowance to noncurrent loans | 336.9124% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 5,005 |
| Noncurrent loans to loans | 0.5226% | 4,606 |
| Net loans and leases to total assets | 59.5362% | 3,630 |
| Net loans and leases to deposits | 66.5823% | 4,014 |
| Net loans and leases to core deposits | 71.5193% | 3,919 |
| Total domestic deposits to total assets | 89.4175% | 1,414 |
| Equity capital to assets | 9.4957% | 4,506 |
| Core capital (leverage) ratio | 8.1402% | 6,003 |
| Tier 1 risk-based capital ratio | 12.8995% | 5,061 |
| Total risk-based capital ratio | 14.1554% | 4,999 |
| Memoranda: | ||
| Average total assets | $2,395,555,000 | 311 |
| Average earning assets | $2,164,823,500 | 311 |
| Average equity | $222,585,000 | 357 |
| Average total loans | $1,413,126,500 | 335 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 5,474 |
| Cost of funding earning assets | 0.2192% | 6,183 |
| Net interest margin | 3.3541% | 4,466 |
| Noninterest income to average assets | 1.5030% | 624 |
| Noninterest expense to average assets | 3.4269% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8066% | 3,262 |
| Return on assets (ROA) | 0.8648% | 3,028 |
| Pretax return on assets | 1.1951% | 2,601 |
| Return on Equity (ROE) | 8.8945% | 2,593 |
| Retained earnings to average equity (ytd only) | 1.2019% | 5,290 |
| Net charge-offs to loans | 0.0048% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 401.9841% | 109 |
| Efficiency ratio | 73.5736% | 3,204 |
| Assets per employee ($millions) | 4.3336% | 3,214 |
| Cash dividends to net income (ytd only)* | 86.4876% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8089% | 2,039 |
| Loan loss allowance to noncurrent loans | 300.7158% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 5,018 |
| Noncurrent loans to loans | 0.6015% | 4,479 |
| Net loans and leases to total assets | 56.3787% | 4,260 |
| Net loans and leases to deposits | 62.6999% | 4,651 |
| Net loans and leases to core deposits | 66.6283% | 4,643 |
| Total domestic deposits to total assets | 89.9183% | 1,117 |
| Equity capital to assets | 9.0927% | 4,930 |
| Core capital (leverage) ratio | 8.1366% | 6,024 |
| Tier 1 risk-based capital ratio | 12.9966% | 4,974 |
| Total risk-based capital ratio | 14.2528% | 4,925 |
| Memoranda: | ||
| Average total assets | $2,272,893,800 | 319 |
| Average earning assets | $2,058,785,400 | 317 |
| Average equity | $220,989,400 | 349 |
| Average total loans | $1,303,422,600 | 343 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5673% | 5,530 |
| Cost of funding earning assets | 0.2298% | 6,230 |
| Net interest margin | 3.3375% | 4,505 |
| Noninterest income to average assets | 1.4954% | 660 |
| Noninterest expense to average assets | 3.4004% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7987% | 3,350 |
| Return on assets (ROA) | 0.8766% | 3,072 |
| Pretax return on assets | 1.2322% | 2,573 |
| Return on Equity (ROE) | 8.8603% | 2,703 |
| Retained earnings to average equity (ytd only) | -1.3926% | 6,185 |
| Net charge-offs to loans | 0.0672% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 29.1193% | 1,262 |
| Efficiency ratio | 73.3588% | 3,165 |
| Assets per employee ($millions) | 4.0869% | 3,661 |
| Cash dividends to net income (ytd only)* | 115.7171% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 2,261 |
| Loan loss allowance to noncurrent loans | 251.0502% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 4,912 |
| Noncurrent loans to loans | 0.7226% | 4,406 |
| Net loans and leases to total assets | 59.0777% | 3,841 |
| Net loans and leases to deposits | 66.0034% | 4,306 |
| Net loans and leases to core deposits | 70.5132% | 4,264 |
| Total domestic deposits to total assets | 89.5070% | 1,294 |
| Equity capital to assets | 9.6005% | 4,414 |
| Core capital (leverage) ratio | 8.4533% | 5,812 |
| Tier 1 risk-based capital ratio | 13.0857% | 5,066 |
| Total risk-based capital ratio | 14.3418% | 5,012 |
| Memoranda: | ||
| Average total assets | $2,234,410,000 | 322 |
| Average earning assets | $2,026,796,250 | 323 |
| Average equity | $221,070,750 | 345 |
| Average total loans | $1,280,923,000 | 347 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5587% | 5,565 |
| Cost of funding earning assets | 0.2432% | 6,228 |
| Net interest margin | 3.3155% | 4,510 |
| Noninterest income to average assets | 1.5128% | 682 |
| Noninterest expense to average assets | 3.4007% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7825% | 3,391 |
| Return on assets (ROA) | 0.8997% | 2,942 |
| Pretax return on assets | 1.2705% | 2,404 |
| Return on Equity (ROE) | 9.0031% | 2,605 |
| Retained earnings to average equity (ytd only) | -6.2732% | 6,531 |
| Net charge-offs to loans | 0.1196% | 3,167 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.3928% | 1,670 |
| Efficiency ratio | 73.6300% | 3,196 |
| Assets per employee ($millions) | 3.9606% | 3,891 |
| Cash dividends to net income (ytd only)* | 169.6776% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,086 |
| Loan loss allowance to noncurrent loans | 281.3310% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 5,126 |
| Noncurrent loans to loans | 0.6791% | 4,579 |
| Net loans and leases to total assets | 56.6520% | 4,186 |
| Net loans and leases to deposits | 63.7908% | 4,534 |
| Net loans and leases to core deposits | 69.0742% | 4,382 |
| Total domestic deposits to total assets | 88.8090% | 1,726 |
| Equity capital to assets | 9.6539% | 4,382 |
| Core capital (leverage) ratio | 8.3648% | 5,808 |
| Tier 1 risk-based capital ratio | 13.3336% | 4,894 |
| Total risk-based capital ratio | 14.5907% | 4,833 |
| Memoranda: | ||
| Average total assets | $2,227,228,670 | 324 |
| Average earning assets | $2,010,851,670 | 325 |
| Average equity | $222,567,000 | 343 |
| Average total loans | $1,255,434,330 | 350 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6032% | 5,445 |
| Cost of funding earning assets | 0.2494% | 6,292 |
| Net interest margin | 3.3537% | 4,298 |
| Noninterest income to average assets | 1.4619% | 722 |
| Noninterest expense to average assets | 3.4895% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6844% | 3,762 |
| Return on assets (ROA) | 0.9186% | 2,714 |
| Pretax return on assets | 1.3003% | 2,235 |
| Return on Equity (ROE) | 9.0397% | 2,478 |
| Retained earnings to average equity (ytd only) | -8.6125% | 6,558 |
| Net charge-offs to loans | 0.0496% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 35.1299% | 876 |
| Efficiency ratio | 76.3866% | 2,869 |
| Assets per employee ($millions) | 4.0471% | 3,854 |
| Cash dividends to net income (ytd only)* | 195.2744% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0149% | 2,004 |
| Loan loss allowance to noncurrent loans | 254.0204% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 5,223 |
| Noncurrent loans to loans | 0.7932% | 4,534 |
| Net loans and leases to total assets | 54.9698% | 4,247 |
| Net loans and leases to deposits | 61.8102% | 4,578 |
| Net loans and leases to core deposits | 66.7204% | 4,440 |
| Total domestic deposits to total assets | 88.9331% | 1,718 |
| Equity capital to assets | 10.0727% | 4,050 |
| Core capital (leverage) ratio | 8.3079% | 5,817 |
| Tier 1 risk-based capital ratio | 13.7299% | 4,700 |
| Total risk-based capital ratio | 14.9879% | 4,661 |
| Memoranda: | ||
| Average total assets | $2,229,904,000 | 328 |
| Average earning assets | $1,993,356,500 | 328 |
| Average equity | $226,601,500 | 345 |
| Average total loans | $1,241,523,500 | 357 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 5,787 |
| Cost of funding earning assets | 0.3051% | 6,429 |
| Net interest margin | 3.5108% | 4,455 |
| Noninterest income to average assets | 1.6133% | 609 |
| Noninterest expense to average assets | 3.4524% | 1,941 |
| Loan and lease loss provision to assets | 0.0228% | 5,607 |
| Net operating income to assets | 0.9215% | 2,698 |
| Return on assets (ROA) | 0.9217% | 2,939 |
| Pretax return on assets | 1.3071% | 2,369 |
| Return on Equity (ROE) | 9.1388% | 2,568 |
| Retained earnings to average equity (ytd only) | 5.0751% | 2,661 |
| Net charge-offs to loans | -0.0201% | 6,553 |
| Credit loss provision to net charge-offs | -212.7660% | 6,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2468% | 3,761 |
| Assets per employee ($millions) | 4.0107% | 3,926 |
| Cash dividends to net income (ytd only)* | 44.4664% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0434% | 1,907 |
| Loan loss allowance to noncurrent loans | 197.3524% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 4,975 |
| Noncurrent loans to loans | 1.0354% | 4,142 |
| Net loans and leases to total assets | 54.1260% | 4,602 |
| Net loans and leases to deposits | 60.9068% | 4,927 |
| Net loans and leases to core deposits | 65.3163% | 4,806 |
| Total domestic deposits to total assets | 88.8669% | 1,662 |
| Equity capital to assets | 10.2506% | 3,825 |
| Core capital (leverage) ratio | 8.6613% | 5,379 |
| Tier 1 risk-based capital ratio | 14.0987% | 4,310 |
| Total risk-based capital ratio | 15.3568% | 4,260 |
| Memoranda: | ||
| Average total assets | $2,196,033,200 | 326 |
| Average earning assets | $1,982,051,600 | 323 |
| Average equity | $221,473,400 | 339 |
| Average total loans | $1,166,760,800 | 373 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 5,953 |
| Cost of funding earning assets | 0.3194% | 6,516 |
| Net interest margin | 3.5099% | 4,604 |
| Noninterest income to average assets | 1.5601% | 611 |
| Noninterest expense to average assets | 3.4435% | 1,890 |
| Loan and lease loss provision to assets | 0.0305% | 5,397 |
| Net operating income to assets | 0.9038% | 2,970 |
| Return on assets (ROA) | 0.9041% | 3,194 |
| Pretax return on assets | 1.2727% | 2,700 |
| Return on Equity (ROE) | 9.0024% | 2,800 |
| Retained earnings to average equity (ytd only) | 3.5354% | 4,388 |
| Net charge-offs to loans | -0.0311% | 6,581 |
| Credit loss provision to net charge-offs | -186.5672% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5389% | 3,585 |
| Assets per employee ($millions) | 3.9982% | 3,875 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1008% | 1,904 |
| Loan loss allowance to noncurrent loans | 216.3304% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 5,227 |
| Noncurrent loans to loans | 0.9711% | 4,497 |
| Net loans and leases to total assets | 53.0413% | 4,907 |
| Net loans and leases to deposits | 62.0342% | 4,966 |
| Net loans and leases to core deposits | 66.9105% | 4,853 |
| Total domestic deposits to total assets | 85.5033% | 3,506 |
| Equity capital to assets | 10.1359% | 4,300 |
| Core capital (leverage) ratio | 8.6740% | 5,512 |
| Tier 1 risk-based capital ratio | 13.7753% | 4,703 |
| Total risk-based capital ratio | 15.0337% | 4,654 |
| Memoranda: | ||
| Average total assets | $2,185,549,000 | 328 |
| Average earning assets | $1,983,977,500 | 323 |
| Average equity | $219,490,500 | 341 |
| Average total loans | $1,149,302,750 | 381 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 5,913 |
| Cost of funding earning assets | 0.3401% | 6,556 |
| Net interest margin | 3.5622% | 4,410 |
| Noninterest income to average assets | 1.5741% | 595 |
| Noninterest expense to average assets | 3.4232% | 1,971 |
| Loan and lease loss provision to assets | 0.0460% | 5,099 |
| Net operating income to assets | 0.9310% | 2,759 |
| Return on assets (ROA) | 0.9315% | 3,018 |
| Pretax return on assets | 1.3180% | 2,493 |
| Return on Equity (ROE) | 9.3047% | 2,668 |
| Retained earnings to average equity (ytd only) | 1.0306% | 5,663 |
| Net charge-offs to loans | -0.2338% | 7,032 |
| Credit loss provision to net charge-offs | -37.8215% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5099% | 3,846 |
| Assets per employee ($millions) | 3.7887% | 4,342 |
| Cash dividends to net income (ytd only)* | 88.9240% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2779% | 1,629 |
| Loan loss allowance to noncurrent loans | 178.5516% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 4,676 |
| Noncurrent loans to loans | 1.2757% | 4,003 |
| Net loans and leases to total assets | 53.9666% | 4,813 |
| Net loans and leases to deposits | 60.9352% | 5,149 |
| Net loans and leases to core deposits | 65.9896% | 5,004 |
| Total domestic deposits to total assets | 88.5640% | 1,777 |
| Equity capital to assets | 10.4507% | 3,748 |
| Core capital (leverage) ratio | 8.6376% | 5,466 |
| Tier 1 risk-based capital ratio | 13.7472% | 4,625 |
| Total risk-based capital ratio | 15.0073% | 4,596 |
| Memoranda: | ||
| Average total assets | $2,173,059,000 | 329 |
| Average earning assets | $1,959,662,670 | 324 |
| Average equity | $217,546,000 | 340 |
| Average total loans | $1,130,930,330 | 386 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 6,012 |
| Cost of funding earning assets | 0.3474% | 6,649 |
| Net interest margin | 3.5547% | 4,466 |
| Noninterest income to average assets | 1.5204% | 624 |
| Noninterest expense to average assets | 3.3980% | 2,014 |
| Loan and lease loss provision to assets | 0.0904% | 4,223 |
| Net operating income to assets | 0.8790% | 3,022 |
| Return on assets (ROA) | 0.8799% | 3,241 |
| Pretax return on assets | 1.2155% | 2,856 |
| Return on Equity (ROE) | 8.9762% | 2,848 |
| Retained earnings to average equity (ytd only) | -3.9366% | 6,489 |
| Net charge-offs to loans | -0.1964% | 6,989 |
| Credit loss provision to net charge-offs | -91.0747% | 5,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2492% | 3,763 |
| Assets per employee ($millions) | 3.7782% | 4,474 |
| Cash dividends to net income (ytd only)* | 143.8553% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2498% | 1,778 |
| Loan loss allowance to noncurrent loans | 137.8097% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 4,351 |
| Noncurrent loans to loans | 1.6325% | 3,660 |
| Net loans and leases to total assets | 53.2002% | 4,854 |
| Net loans and leases to deposits | 60.1249% | 5,131 |
| Net loans and leases to core deposits | 65.1504% | 5,001 |
| Total domestic deposits to total assets | 88.4829% | 2,019 |
| Equity capital to assets | 10.3008% | 3,727 |
| Core capital (leverage) ratio | 8.2883% | 5,891 |
| Tier 1 risk-based capital ratio | 13.5802% | 4,766 |
| Total risk-based capital ratio | 14.8399% | 4,746 |
| Memoranda: | ||
| Average total assets | $2,212,005,500 | 321 |
| Average earning assets | $1,980,245,500 | 316 |
| Average equity | $216,839,500 | 337 |
| Average total loans | $1,117,872,500 | 385 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 5,851 |
| Cost of funding earning assets | 0.4495% | 6,733 |
| Net interest margin | 3.8218% | 3,713 |
| Noninterest income to average assets | 1.8096% | 441 |
| Noninterest expense to average assets | 3.8910% | 1,195 |
| Loan and lease loss provision to assets | 0.3546% | 2,877 |
| Net operating income to assets | 0.7348% | 3,316 |
| Return on assets (ROA) | 0.7348% | 3,491 |
| Pretax return on assets | 1.0031% | 3,239 |
| Return on Equity (ROE) | 7.5038% | 3,150 |
| Retained earnings to average equity (ytd only) | 2.6102% | 4,368 |
| Net charge-offs to loans | 0.9343% | 1,863 |
| Credit loss provision to net charge-offs | 71.8237% | 4,782 |
| Earnings coverage of net charge-offs (x) | 2.7501% | 3,845 |
| Efficiency ratio | 72.1622% | 3,539 |
| Assets per employee ($millions) | 4.1840% | 3,488 |
| Cash dividends to net income (ytd only)* | 65.2146% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2332% | 1,737 |
| Loan loss allowance to noncurrent loans | 135.5245% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9118% | 4,789 |
| Noncurrent loans to loans | 1.6478% | 3,687 |
| Net loans and leases to total assets | 46.0062% | 6,010 |
| Net loans and leases to deposits | 51.2533% | 6,273 |
| Net loans and leases to core deposits | 55.4307% | 6,197 |
| Total domestic deposits to total assets | 89.7625% | 1,123 |
| Equity capital to assets | 9.3572% | 5,080 |
| Core capital (leverage) ratio | 8.5978% | 5,404 |
| Tier 1 risk-based capital ratio | 14.0168% | 4,315 |
| Total risk-based capital ratio | 15.2759% | 4,264 |
| Memoranda: | ||
| Average total assets | $2,086,963,800 | 331 |
| Average earning assets | $1,877,987,400 | 332 |
| Average equity | $204,350,000 | 347 |
| Average total loans | $1,102,796,800 | 384 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 5,565 |
| Cost of funding earning assets | 0.4825% | 6,776 |
| Net interest margin | 3.9314% | 3,227 |
| Noninterest income to average assets | 1.7469% | 459 |
| Noninterest expense to average assets | 4.0334% | 969 |
| Loan and lease loss provision to assets | 0.3292% | 2,906 |
| Net operating income to assets | 0.6974% | 3,632 |
| Return on assets (ROA) | 0.6974% | 3,801 |
| Pretax return on assets | 0.9418% | 3,612 |
| Return on Equity (ROE) | 7.0322% | 3,514 |
| Retained earnings to average equity (ytd only) | 0.3930% | 5,836 |
| Net charge-offs to loans | 0.7134% | 2,127 |
| Credit loss provision to net charge-offs | 84.6597% | 3,973 |
| Earnings coverage of net charge-offs (x) | 3.2685% | 3,514 |
| Efficiency ratio | 74.0070% | 3,180 |
| Assets per employee ($millions) | 3.6240% | 4,698 |
| Cash dividends to net income (ytd only)* | 94.4109% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4394% | 1,481 |
| Loan loss allowance to noncurrent loans | 88.2866% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 2.0424% | 3,089 |
| Noncurrent loans to loans | 2.7630% | 2,521 |
| Net loans and leases to total assets | 52.6607% | 5,366 |
| Net loans and leases to deposits | 59.7571% | 5,659 |
| Net loans and leases to core deposits | 65.4545% | 5,474 |
| Total domestic deposits to total assets | 88.1246% | 1,974 |
| Equity capital to assets | 10.7030% | 3,465 |
| Core capital (leverage) ratio | 8.7332% | 5,362 |
| Tier 1 risk-based capital ratio | 14.0628% | 4,310 |
| Total risk-based capital ratio | 15.3248% | 4,274 |
| Memoranda: | ||
| Average total assets | $2,025,040,000 | 342 |
| Average earning assets | $1,832,437,750 | 340 |
| Average equity | $200,823,000 | 356 |
| Average total loans | $1,103,840,500 | 389 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 5,480 |
| Cost of funding earning assets | 0.5047% | 6,829 |
| Net interest margin | 3.9572% | 3,057 |
| Noninterest income to average assets | 1.7030% | 462 |
| Noninterest expense to average assets | 4.0610% | 956 |
| Loan and lease loss provision to assets | 0.2564% | 3,348 |
| Net operating income to assets | 0.7197% | 3,447 |
| Return on assets (ROA) | 0.7197% | 3,559 |
| Pretax return on assets | 0.9602% | 3,391 |
| Return on Equity (ROE) | 7.4526% | 3,214 |
| Retained earnings to average equity (ytd only) | 3.9811% | 3,668 |
| Net charge-offs to loans | 0.8638% | 1,790 |
| Credit loss provision to net charge-offs | 54.2684% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.5752% | 3,538 |
| Efficiency ratio | 74.8996% | 3,203 |
| Assets per employee ($millions) | 3.5008% | 4,936 |
| Cash dividends to net income (ytd only)* | 46.5817% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 1,744 |
| Loan loss allowance to noncurrent loans | 79.3301% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.8791% | 3,394 |
| Noncurrent loans to loans | 2.8993% | 2,517 |
| Net loans and leases to total assets | 54.9963% | 5,149 |
| Net loans and leases to deposits | 62.0738% | 5,494 |
| Net loans and leases to core deposits | 67.7161% | 5,321 |
| Total domestic deposits to total assets | 88.5983% | 1,784 |
| Equity capital to assets | 10.3187% | 3,725 |
| Core capital (leverage) ratio | 8.3181% | 5,840 |
| Tier 1 risk-based capital ratio | 13.0833% | 4,849 |
| Total risk-based capital ratio | 14.3440% | 4,820 |
| Memoranda: | ||
| Average total assets | $2,028,400,000 | 348 |
| Average earning assets | $1,832,255,670 | 345 |
| Average equity | $195,877,000 | 363 |
| Average total loans | $1,109,246,330 | 394 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 5,635 |
| Cost of funding earning assets | 0.5041% | 6,954 |
| Net interest margin | 3.9126% | 3,079 |
| Noninterest income to average assets | 1.7403% | 454 |
| Noninterest expense to average assets | 3.9438% | 1,114 |
| Loan and lease loss provision to assets | 0.2902% | 2,828 |
| Net operating income to assets | 0.7659% | 3,191 |
| Return on assets (ROA) | 0.7659% | 3,263 |
| Pretax return on assets | 1.0317% | 3,013 |
| Return on Equity (ROE) | 8.1962% | 2,835 |
| Retained earnings to average equity (ytd only) | 4.6767% | 3,390 |
| Net charge-offs to loans | 0.3551% | 2,642 |
| Credit loss provision to net charge-offs | 151.5152% | 1,891 |
| Earnings coverage of net charge-offs (x) | 6.9020% | 2,033 |
| Efficiency ratio | 72.8829% | 3,708 |
| Assets per employee ($millions) | 3.4329% | 5,156 |
| Cash dividends to net income (ytd only)* | 42.9401% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5101% | 1,443 |
| Loan loss allowance to noncurrent loans | 81.2555% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 2.5073% | 2,725 |
| Noncurrent loans to loans | 3.0892% | 2,427 |
| Net loans and leases to total assets | 56.2604% | 4,953 |
| Net loans and leases to deposits | 63.3782% | 5,338 |
| Net loans and leases to core deposits | 69.0816% | 5,156 |
| Total domestic deposits to total assets | 88.7693% | 1,917 |
| Equity capital to assets | 10.0789% | 3,672 |
| Core capital (leverage) ratio | 8.0421% | 6,199 |
| Tier 1 risk-based capital ratio | 12.7264% | 5,036 |
| Total risk-based capital ratio | 13.9894% | 5,004 |
| Memoranda: | ||
| Average total assets | $2,067,632,000 | 342 |
| Average earning assets | $1,863,007,500 | 338 |
| Average equity | $193,211,500 | 364 |
| Average total loans | $1,115,050,000 | 390 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 4,879 |
| Cost of funding earning assets | 0.6640% | 6,974 |
| Net interest margin | 4.2648% | 1,941 |
| Noninterest income to average assets | 1.8467% | 454 |
| Noninterest expense to average assets | 4.2552% | 853 |
| Loan and lease loss provision to assets | 1.2022% | 1,302 |
| Net operating income to assets | 0.2214% | 5,214 |
| Return on assets (ROA) | 0.3675% | 4,836 |
| Pretax return on assets | 0.3862% | 4,990 |
| Return on Equity (ROE) | 3.8195% | 4,605 |
| Retained earnings to average equity (ytd only) | 0.9795% | 5,055 |
| Net charge-offs to loans | 1.7534% | 1,219 |
| Credit loss provision to net charge-offs | 116.6996% | 3,673 |
| Earnings coverage of net charge-offs (x) | 1.3927% | 4,719 |
| Efficiency ratio | 72.8575% | 3,628 |
| Assets per employee ($millions) | 3.8701% | 4,077 |
| Cash dividends to net income (ytd only)* | 74.3545% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4569% | 1,466 |
| Loan loss allowance to noncurrent loans | 104.6734% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.8475% | 3,562 |
| Noncurrent loans to loans | 2.3472% | 3,175 |
| Net loans and leases to total assets | 49.3791% | 6,226 |
| Net loans and leases to deposits | 54.5784% | 6,560 |
| Net loans and leases to core deposits | 59.5338% | 6,431 |
| Total domestic deposits to total assets | 90.4737% | 849 |
| Equity capital to assets | 8.7023% | 5,581 |
| Core capital (leverage) ratio | 8.0804% | 6,061 |
| Tier 1 risk-based capital ratio | 12.4189% | 5,092 |
| Total risk-based capital ratio | 13.6811% | 5,065 |
| Memoranda: | ||
| Average total assets | $2,013,038,600 | 345 |
| Average earning assets | $1,814,057,000 | 342 |
| Average equity | $193,666,600 | 362 |
| Average total loans | $1,182,681,400 | 384 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1421% | 4,111 |
| Cost of funding earning assets | 0.7145% | 7,028 |
| Net interest margin | 4.4276% | 1,437 |
| Noninterest income to average assets | 2.0005% | 379 |
| Noninterest expense to average assets | 4.3517% | 708 |
| Loan and lease loss provision to assets | 1.4352% | 937 |
| Net operating income to assets | 0.1915% | 5,532 |
| Return on assets (ROA) | 0.3907% | 4,969 |
| Pretax return on assets | 0.4126% | 5,184 |
| Return on Equity (ROE) | 3.9554% | 4,806 |
| Retained earnings to average equity (ytd only) | 1.0703% | 5,387 |
| Net charge-offs to loans | 2.0678% | 898 |
| Credit loss provision to net charge-offs | 113.7219% | 3,682 |
| Earnings coverage of net charge-offs (x) | 1.2979% | 4,781 |
| Efficiency ratio | 70.7762% | 3,926 |
| Assets per employee ($millions) | 3.4842% | 5,018 |
| Cash dividends to net income (ytd only)* | 72.9420% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3224% | 1,591 |
| Loan loss allowance to noncurrent loans | 86.7203% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 2.8396% | 2,555 |
| Noncurrent loans to loans | 2.6781% | 2,955 |
| Net loans and leases to total assets | 59.2967% | 5,042 |
| Net loans and leases to deposits | 67.1061% | 5,533 |
| Net loans and leases to core deposits | 74.4358% | 5,240 |
| Total domestic deposits to total assets | 88.3626% | 1,756 |
| Equity capital to assets | 10.4238% | 3,608 |
| Core capital (leverage) ratio | 8.3630% | 5,767 |
| Tier 1 risk-based capital ratio | 12.3385% | 5,130 |
| Total risk-based capital ratio | 13.5999% | 5,094 |
| Memoranda: | ||
| Average total assets | $1,964,808,000 | 352 |
| Average earning assets | $1,770,287,750 | 348 |
| Average equity | $194,090,750 | 355 |
| Average total loans | $1,199,171,750 | 376 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1420% | 4,233 |
| Cost of funding earning assets | 0.7446% | 7,080 |
| Net interest margin | 4.3974% | 1,449 |
| Noninterest income to average assets | 1.8143% | 411 |
| Noninterest expense to average assets | 4.3381% | 692 |
| Loan and lease loss provision to assets | 1.4203% | 938 |
| Net operating income to assets | 0.0471% | 6,000 |
| Return on assets (ROA) | 0.3572% | 5,100 |
| Pretax return on assets | 0.3335% | 5,411 |
| Return on Equity (ROE) | 3.6802% | 4,927 |
| Retained earnings to average equity (ytd only) | 0.9917% | 5,373 |
| Net charge-offs to loans | 1.9603% | 935 |
| Credit loss provision to net charge-offs | 118.5092% | 3,427 |
| Earnings coverage of net charge-offs (x) | 1.2046% | 4,598 |
| Efficiency ratio | 73.1160% | 3,636 |
| Assets per employee ($millions) | 3.2610% | 5,530 |
| Cash dividends to net income (ytd only)* | 73.0542% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2217% | 1,718 |
| Loan loss allowance to noncurrent loans | 74.9893% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 2.7843% | 2,598 |
| Noncurrent loans to loans | 2.9627% | 2,702 |
| Net loans and leases to total assets | 61.7804% | 4,726 |
| Net loans and leases to deposits | 69.8578% | 5,300 |
| Net loans and leases to core deposits | 77.6328% | 5,006 |
| Total domestic deposits to total assets | 88.4374% | 1,766 |
| Equity capital to assets | 10.4233% | 3,505 |
| Core capital (leverage) ratio | 8.3402% | 5,691 |
| Tier 1 risk-based capital ratio | 11.9145% | 5,388 |
| Total risk-based capital ratio | 13.1743% | 5,353 |
| Memoranda: | ||
| Average total assets | $1,992,588,670 | 347 |
| Average earning assets | $1,797,737,670 | 346 |
| Average equity | $193,414,000 | 355 |
| Average total loans | $1,218,171,000 | 371 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0216% | 4,919 |
| Cost of funding earning assets | 0.8063% | 7,071 |
| Net interest margin | 4.2152% | 1,977 |
| Noninterest income to average assets | 1.7982% | 399 |
| Noninterest expense to average assets | 4.4131% | 632 |
| Loan and lease loss provision to assets | 1.3069% | 921 |
| Net operating income to assets | -0.0836% | 6,420 |
| Return on assets (ROA) | 0.5175% | 4,446 |
| Pretax return on assets | 0.4999% | 4,959 |
| Return on Equity (ROE) | 5.5156% | 4,094 |
| Retained earnings to average equity (ytd only) | 2.1979% | 4,810 |
| Net charge-offs to loans | 1.9703% | 872 |
| Credit loss provision to net charge-offs | 110.1673% | 3,128 |
| Earnings coverage of net charge-offs (x) | 1.0164% | 4,161 |
| Efficiency ratio | 76.6341% | 3,112 |
| Assets per employee ($millions) | 3.2585% | 5,636 |
| Cash dividends to net income (ytd only)* | 60.1504% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0060% | 2,169 |
| Loan loss allowance to noncurrent loans | 75.3423% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 2.0858% | 3,408 |
| Noncurrent loans to loans | 2.6625% | 3,009 |
| Net loans and leases to total assets | 63.1348% | 4,505 |
| Net loans and leases to deposits | 71.1502% | 5,173 |
| Net loans and leases to core deposits | 82.4338% | 4,425 |
| Total domestic deposits to total assets | 88.7346% | 1,652 |
| Equity capital to assets | 10.1486% | 3,671 |
| Core capital (leverage) ratio | 7.6447% | 6,685 |
| Tier 1 risk-based capital ratio | 11.5462% | 5,635 |
| Total risk-based capital ratio | 12.8039% | 5,599 |
| Memoranda: | ||
| Average total assets | $2,056,235,500 | 346 |
| Average earning assets | $1,863,724,000 | 343 |
| Average equity | $192,908,500 | 361 |
| Average total loans | $1,237,971,000 | 383 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2493% | 5,417 |
| Cost of funding earning assets | 1.1574% | 6,802 |
| Net interest margin | 4.0919% | 2,493 |
| Noninterest income to average assets | 1.6460% | 532 |
| Noninterest expense to average assets | 4.3832% | 892 |
| Loan and lease loss provision to assets | 0.8294% | 2,650 |
| Net operating income to assets | 0.1377% | 5,089 |
| Return on assets (ROA) | 0.3627% | 4,378 |
| Pretax return on assets | 0.4301% | 4,396 |
| Return on Equity (ROE) | 4.0499% | 4,073 |
| Retained earnings to average equity (ytd only) | 0.7710% | 4,471 |
| Net charge-offs to loans | 0.8423% | 2,722 |
| Credit loss provision to net charge-offs | 157.2825% | 2,859 |
| Earnings coverage of net charge-offs (x) | 1.8805% | 4,316 |
| Efficiency ratio | 79.3192% | 2,987 |
| Assets per employee ($millions) | 3.6948% | 4,527 |
| Cash dividends to net income (ytd only)* | 80.9633% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9181% | 2,219 |
| Loan loss allowance to noncurrent loans | 74.6365% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.7333% | 3,772 |
| Noncurrent loans to loans | 2.5699% | 2,988 |
| Net loans and leases to total assets | 55.4848% | 6,026 |
| Net loans and leases to deposits | 64.7983% | 6,177 |
| Net loans and leases to core deposits | 76.6590% | 6,362 |
| Total domestic deposits to total assets | 85.6269% | 3,211 |
| Equity capital to assets | 8.7211% | 5,558 |
| Core capital (leverage) ratio | 7.5845% | 6,701 |
| Tier 1 risk-based capital ratio | 11.0286% | 5,894 |
| Total risk-based capital ratio | 12.2850% | 5,853 |
| Memoranda: | ||
| Average total assets | $2,037,699,000 | 351 |
| Average earning assets | $1,856,844,400 | 343 |
| Average equity | $182,497,000 | 375 |
| Average total loans | $1,275,668,400 | 386 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3932% | 4,980 |
| Cost of funding earning assets | 1.2389% | 6,762 |
| Net interest margin | 4.1543% | 2,200 |
| Noninterest income to average assets | 1.6554% | 536 |
| Noninterest expense to average assets | 4.3642% | 847 |
| Loan and lease loss provision to assets | 0.7620% | 2,465 |
| Net operating income to assets | 0.2544% | 4,971 |
| Return on assets (ROA) | 0.4335% | 4,364 |
| Pretax return on assets | 0.5435% | 4,384 |
| Return on Equity (ROE) | 4.8050% | 4,043 |
| Retained earnings to average equity (ytd only) | 1.1121% | 4,699 |
| Net charge-offs to loans | 0.5311% | 3,095 |
| Credit loss provision to net charge-offs | 223.2230% | 1,956 |
| Earnings coverage of net charge-offs (x) | 3.1688% | 3,655 |
| Efficiency ratio | 77.8141% | 3,195 |
| Assets per employee ($millions) | 3.2197% | 5,600 |
| Cash dividends to net income (ytd only)* | 76.8543% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 2,095 |
| Loan loss allowance to noncurrent loans | 80.9617% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.8758% | 3,546 |
| Noncurrent loans to loans | 2.3114% | 3,251 |
| Net loans and leases to total assets | 64.3778% | 4,780 |
| Net loans and leases to deposits | 77.6984% | 4,781 |
| Net loans and leases to core deposits | 96.4852% | 4,755 |
| Total domestic deposits to total assets | 82.8560% | 4,299 |
| Equity capital to assets | 9.8923% | 4,223 |
| Core capital (leverage) ratio | 7.8341% | 6,574 |
| Tier 1 risk-based capital ratio | 11.0159% | 5,936 |
| Total risk-based capital ratio | 12.2724% | 5,892 |
| Memoranda: | ||
| Average total assets | $1,994,748,250 | 368 |
| Average earning assets | $1,820,014,500 | 359 |
| Average equity | $179,948,000 | 388 |
| Average total loans | $1,282,107,500 | 398 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3751% | 5,278 |
| Cost of funding earning assets | 1.2853% | 6,855 |
| Net interest margin | 4.0899% | 2,351 |
| Noninterest income to average assets | 1.5612% | 613 |
| Noninterest expense to average assets | 4.3098% | 937 |
| Loan and lease loss provision to assets | 0.4638% | 3,206 |
| Net operating income to assets | 0.3965% | 4,526 |
| Return on assets (ROA) | 0.5206% | 4,131 |
| Pretax return on assets | 0.6824% | 4,056 |
| Return on Equity (ROE) | 5.9588% | 3,668 |
| Retained earnings to average equity (ytd only) | 1.2959% | 4,617 |
| Net charge-offs to loans | 0.3691% | 3,341 |
| Credit loss provision to net charge-offs | 196.8671% | 2,318 |
| Earnings coverage of net charge-offs (x) | 4.1719% | 3,188 |
| Efficiency ratio | 78.8994% | 3,211 |
| Assets per employee ($millions) | 3.1038% | 5,856 |
| Cash dividends to net income (ytd only)* | 78.2525% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 2,932 |
| Loan loss allowance to noncurrent loans | 74.3025% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7222% | 3,602 |
| Noncurrent loans to loans | 2.0920% | 3,393 |
| Net loans and leases to total assets | 65.4355% | 4,677 |
| Net loans and leases to deposits | 79.2416% | 4,668 |
| Net loans and leases to core deposits | 101.1151% | 4,391 |
| Total domestic deposits to total assets | 82.5772% | 4,438 |
| Equity capital to assets | 9.0329% | 5,267 |
| Core capital (leverage) ratio | 6.7961% | 7,657 |
| Tier 1 risk-based capital ratio | 9.7143% | 7,218 |
| Total risk-based capital ratio | 10.9669% | 7,163 |
| Memoranda: | ||
| Average total assets | $2,004,990,000 | 373 |
| Average earning assets | $1,829,355,670 | 365 |
| Average equity | $175,168,330 | 405 |
| Average total loans | $1,279,974,670 | 414 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3067% | 5,869 |
| Cost of funding earning assets | 1.2968% | 7,021 |
| Net interest margin | 4.0099% | 2,604 |
| Noninterest income to average assets | 1.6549% | 501 |
| Noninterest expense to average assets | 4.1348% | 1,021 |
| Loan and lease loss provision to assets | 0.3441% | 3,265 |
| Net operating income to assets | 0.6036% | 3,996 |
| Return on assets (ROA) | 0.6036% | 4,189 |
| Pretax return on assets | 0.8403% | 3,930 |
| Return on Equity (ROE) | 7.0228% | 3,583 |
| Retained earnings to average equity (ytd only) | 0.8830% | 5,305 |
| Net charge-offs to loans | 0.2771% | 3,012 |
| Credit loss provision to net charge-offs | 198.4127% | 2,238 |
| Earnings coverage of net charge-offs (x) | 6.8299% | 2,432 |
| Efficiency ratio | 75.1645% | 3,627 |
| Assets per employee ($millions) | 3.2393% | 5,491 |
| Cash dividends to net income (ytd only)* | 87.4267% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 3,172 |
| Loan loss allowance to noncurrent loans | 98.4874% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.3238% | 4,018 |
| Noncurrent loans to loans | 1.4858% | 4,063 |
| Net loans and leases to total assets | 61.5636% | 5,405 |
| Net loans and leases to deposits | 74.9717% | 5,345 |
| Net loans and leases to core deposits | 93.6033% | 5,198 |
| Total domestic deposits to total assets | 82.1158% | 4,504 |
| Equity capital to assets | 8.6174% | 5,890 |
| Core capital (leverage) ratio | 6.6522% | 7,819 |
| Tier 1 risk-based capital ratio | 9.4774% | 7,446 |
| Total risk-based capital ratio | 10.7284% | 7,393 |
| Memoranda: | ||
| Average total assets | $2,034,439,500 | 373 |
| Average earning assets | $1,859,087,500 | 363 |
| Average equity | $174,858,500 | 411 |
| Average total loans | $1,273,191,000 | 418 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0830% | 5,128 |
| Cost of funding earning assets | 1.7874% | 7,038 |
| Net interest margin | 4.2957% | 1,993 |
| Noninterest income to average assets | 2.1140% | 314 |
| Noninterest expense to average assets | 4.7970% | 713 |
| Loan and lease loss provision to assets | 0.3556% | 3,554 |
| Net operating income to assets | 0.6058% | 4,277 |
| Return on assets (ROA) | 0.6090% | 4,128 |
| Pretax return on assets | 0.8184% | 3,999 |
| Return on Equity (ROE) | 6.7646% | 3,639 |
| Retained earnings to average equity (ytd only) | 1.7415% | 4,164 |
| Net charge-offs to loans | 0.4029% | 2,797 |
| Credit loss provision to net charge-offs | 129.7907% | 4,100 |
| Earnings coverage of net charge-offs (x) | 4.2693% | 4,049 |
| Efficiency ratio | 78.2075% | 2,888 |
| Assets per employee ($millions) | 2.7853% | 6,592 |
| Cash dividends to net income (ytd only)* | 74.2552% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 3,171 |
| Loan loss allowance to noncurrent loans | 121.6563% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0961% | 4,091 |
| Noncurrent loans to loans | 1.1539% | 4,224 |
| Net loans and leases to total assets | 61.8069% | 5,649 |
| Net loans and leases to deposits | 75.7077% | 5,625 |
| Net loans and leases to core deposits | 89.0793% | 5,884 |
| Total domestic deposits to total assets | 81.6389% | 4,352 |
| Equity capital to assets | 8.5722% | 5,975 |
| Core capital (leverage) ratio | 7.2231% | 7,504 |
| Tier 1 risk-based capital ratio | 9.4585% | 7,357 |
| Total risk-based capital ratio | 10.7089% | 7,269 |
| Memoranda: | ||
| Average total assets | $1,813,267,400 | 393 |
| Average earning assets | $1,626,317,400 | 395 |
| Average equity | $163,248,000 | 434 |
| Average total loans | $1,233,108,600 | 415 |