Home > The Bancorp Bank > Performance and Condition Ratios
The Bancorp Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8753% | 252 |
| Cost of funding earning assets | 0.7172% | 3,904 |
| Net interest margin | 6.1580% | 98 |
| Noninterest income to average assets | 1.4500% | 401 |
| Noninterest expense to average assets | 3.5721% | 530 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 2.7081% | 207 |
| Return on assets (ROA) | 2.7080% | 203 |
| Pretax return on assets | 3.6028% | 141 |
| Return on Equity (ROE) | 24.7700% | 320 |
| Retained earnings to average equity (ytd only) | 12.7947% | 529 |
| Net charge-offs to loans | 0.0600% | 1,253 |
| Credit loss provision to net charge-offs | 244.5825% | 1,084 |
| Earnings coverage of net charge-offs (x) | 84.8067% | 985 |
| Efficiency ratio | 48.1043% | 4,086 |
| Assets per employee ($millions) | 10.1627% | 668 |
| Cash dividends to net income (ytd only)* | 48.3465% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4808% | 4,348 |
| Loan loss allowance to noncurrent loans | 87.8063% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 871 |
| Noncurrent loans to loans | 0.5476% | 1,435 |
| Net loans and leases to total assets | 73.6600% | 1,405 |
| Net loans and leases to deposits | 84.7039% | 1,714 |
| Net loans and leases to core deposits | 91.0865% | 1,977 |
| Total domestic deposits to total assets | 86.9600% | 1,695 |
| Equity capital to assets | 11.6120% | 1,249 |
| Core capital (leverage) ratio | 12.3723% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9175% | 935 |
| Memoranda: | ||
| Average total assets | $7,637,999,800 | 199 |
| Average earning assets | $7,403,357,400 | 181 |
| Average equity | $835,031,800 | 188 |
| Average total loans | $5,772,062,400 | 185 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8006% | 234 |
| Cost of funding earning assets | 0.7469% | 3,659 |
| Net interest margin | 6.0537% | 101 |
| Noninterest income to average assets | 1.4600% | 401 |
| Noninterest expense to average assets | 3.5639% | 511 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 2.8333% | 198 |
| Return on assets (ROA) | 2.8332% | 197 |
| Pretax return on assets | 3.6950% | 141 |
| Return on Equity (ROE) | 26.3300% | 338 |
| Retained earnings to average equity (ytd only) | 14.1399% | 659 |
| Net charge-offs to loans | 0.0607% | 1,056 |
| Credit loss provision to net charge-offs | 167.1597% | 1,243 |
| Earnings coverage of net charge-offs (x) | 81.6507% | 1,038 |
| Efficiency ratio | 48.5545% | 4,009 |
| Assets per employee ($millions) | 10.1454% | 633 |
| Cash dividends to net income (ytd only)* | 46.2932% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4328% | 4,388 |
| Loan loss allowance to noncurrent loans | 65.2920% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8317% | 665 |
| Noncurrent loans to loans | 0.6629% | 1,243 |
| Net loans and leases to total assets | 74.4900% | 1,294 |
| Net loans and leases to deposits | 85.2681% | 1,632 |
| Net loans and leases to core deposits | 92.0022% | 1,795 |
| Total domestic deposits to total assets | 87.3600% | 1,779 |
| Equity capital to assets | 11.5515% | 1,166 |
| Core capital (leverage) ratio | 12.1322% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7716% | 981 |
| Memoranda: | ||
| Average total assets | $7,624,217,250 | 199 |
| Average earning assets | $7,392,364,000 | 184 |
| Average equity | $820,457,750 | 191 |
| Average total loans | $5,791,601,750 | 185 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6604% | 225 |
| Cost of funding earning assets | 0.7830% | 3,256 |
| Net interest margin | 5.8774% | 119 |
| Noninterest income to average assets | 1.4800% | 333 |
| Noninterest expense to average assets | 3.4685% | 557 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 2.7975% | 173 |
| Return on assets (ROA) | 2.7975% | 171 |
| Pretax return on assets | 3.6560% | 128 |
| Return on Equity (ROE) | 26.6300% | 304 |
| Retained earnings to average equity (ytd only) | 14.2342% | 655 |
| Net charge-offs to loans | 0.0585% | 955 |
| Credit loss provision to net charge-offs | 153.0922% | 1,185 |
| Earnings coverage of net charge-offs (x) | 83.2310% | 1,030 |
| Efficiency ratio | 48.2115% | 4,049 |
| Assets per employee ($millions) | 10.3337% | 602 |
| Cash dividends to net income (ytd only)* | 46.5454% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4111% | 4,436 |
| Loan loss allowance to noncurrent loans | 61.1916% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 651 |
| Noncurrent loans to loans | 0.6718% | 1,111 |
| Net loans and leases to total assets | 74.8800% | 1,182 |
| Net loans and leases to deposits | 85.0114% | 1,587 |
| Net loans and leases to core deposits | 92.7275% | 1,640 |
| Total domestic deposits to total assets | 88.0800% | 1,571 |
| Equity capital to assets | 11.0834% | 1,357 |
| Core capital (leverage) ratio | 11.5883% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1624% | 1,092 |
| Memoranda: | ||
| Average total assets | $7,679,991,000 | 190 |
| Average earning assets | $7,453,285,667 | 178 |
| Average equity | $806,817,000 | 188 |
| Average total loans | $5,862,610,667 | 178 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4797% | 185 |
| Cost of funding earning assets | 0.8126% | 2,689 |
| Net interest margin | 5.6671% | 123 |
| Noninterest income to average assets | 1.4400% | 343 |
| Noninterest expense to average assets | 3.2381% | 761 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 2.8013% | 181 |
| Return on assets (ROA) | 2.8011% | 179 |
| Pretax return on assets | 3.6137% | 124 |
| Return on Equity (ROE) | 27.4000% | 316 |
| Retained earnings to average equity (ytd only) | 14.7813% | 834 |
| Net charge-offs to loans | 0.0521% | 843 |
| Credit loss provision to net charge-offs | 282.8829% | 711 |
| Earnings coverage of net charge-offs (x) | 92.6023% | 825 |
| Efficiency ratio | 46.5168% | 4,186 |
| Assets per employee ($millions) | 10.6424% | 577 |
| Cash dividends to net income (ytd only)* | 46.0448% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4069% | 4,497 |
| Loan loss allowance to noncurrent loans | 61.5516% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7855% | 611 |
| Noncurrent loans to loans | 0.6611% | 1,141 |
| Net loans and leases to total assets | 76.5400% | 922 |
| Net loans and leases to deposits | 86.6559% | 1,306 |
| Net loans and leases to core deposits | 93.9185% | 1,399 |
| Total domestic deposits to total assets | 88.3200% | 1,805 |
| Equity capital to assets | 10.6358% | 1,498 |
| Core capital (leverage) ratio | 11.0024% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4433% | 1,279 |
| Memoranda: | ||
| Average total assets | $7,753,364,000 | 193 |
| Average earning assets | $7,534,263,000 | 181 |
| Average equity | $792,756,000 | 194 |
| Average total loans | $5,961,838,500 | 182 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 1,041 |
| Cost of funding earning assets | 0.3582% | 2,415 |
| Net interest margin | 3.9457% | 867 |
| Noninterest income to average assets | 1.4400% | 361 |
| Noninterest expense to average assets | 2.5624% | 1,932 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.9276% | 340 |
| Return on assets (ROA) | 1.9275% | 330 |
| Pretax return on assets | 2.6182% | 180 |
| Return on Equity (ROE) | 19.4800% | 524 |
| Retained earnings to average equity (ytd only) | 17.4165% | 155 |
| Net charge-offs to loans | 0.0207% | 1,675 |
| Credit loss provision to net charge-offs | 489.4288% | 689 |
| Earnings coverage of net charge-offs (x) | 169.9173% | 729 |
| Efficiency ratio | 48.4510% | 4,216 |
| Assets per employee ($millions) | 11.0145% | 506 |
| Cash dividends to net income (ytd only)* | 10.6008% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3682% | 4,518 |
| Loan loss allowance to noncurrent loans | 56.5086% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.7699% | 614 |
| Noncurrent loans to loans | 0.6516% | 1,141 |
| Net loans and leases to total assets | 76.6500% | 945 |
| Net loans and leases to deposits | 85.8813% | 1,322 |
| Net loans and leases to core deposits | 97.2235% | 1,139 |
| Total domestic deposits to total assets | 89.2500% | 1,647 |
| Equity capital to assets | 9.8285% | 1,801 |
| Core capital (leverage) ratio | 10.7328% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4160% | 1,503 |
| Memoranda: | ||
| Average total assets | $7,340,991,000 | 205 |
| Average earning assets | $7,139,729,200 | 187 |
| Average equity | $726,315,000 | 207 |
| Average total loans | $5,679,687,200 | 177 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 1,673 |
| Cost of funding earning assets | 0.2233% | 3,008 |
| Net interest margin | 3.6008% | 1,388 |
| Noninterest income to average assets | 1.4800% | 367 |
| Noninterest expense to average assets | 2.4587% | 2,135 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.8274% | 405 |
| Return on assets (ROA) | 1.8273% | 396 |
| Pretax return on assets | 2.4429% | 229 |
| Return on Equity (ROE) | 18.4400% | 584 |
| Retained earnings to average equity (ytd only) | 18.4359% | 148 |
| Net charge-offs to loans | 0.0241% | 1,348 |
| Credit loss provision to net charge-offs | 286.8056% | 834 |
| Earnings coverage of net charge-offs (x) | 135.2113% | 790 |
| Efficiency ratio | 49.2414% | 4,202 |
| Assets per employee ($millions) | 11.0956% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3235% | 4,574 |
| Loan loss allowance to noncurrent loans | 53.2783% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 718 |
| Noncurrent loans to loans | 0.6073% | 1,338 |
| Net loans and leases to total assets | 78.1000% | 697 |
| Net loans and leases to deposits | 87.5463% | 1,061 |
| Net loans and leases to core deposits | 104.3687% | 638 |
| Total domestic deposits to total assets | 89.2100% | 1,995 |
| Equity capital to assets | 9.5990% | 1,827 |
| Core capital (leverage) ratio | 10.7926% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1554% | 1,660 |
| Memoranda: | ||
| Average total assets | $7,201,880,750 | 209 |
| Average earning assets | $7,003,720,500 | 191 |
| Average equity | $713,844,000 | 210 |
| Average total loans | $5,580,610,000 | 177 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 2,312 |
| Cost of funding earning assets | 0.1089% | 4,093 |
| Net interest margin | 3.3359% | 1,803 |
| Noninterest income to average assets | 1.6118% | 303 |
| Noninterest expense to average assets | 2.3093% | 2,521 |
| Loan and lease loss provision to assets | 0.1001% | 1,002 |
| Net operating income to assets | 1.8353% | 311 |
| Return on assets (ROA) | 1.8351% | 306 |
| Pretax return on assets | 2.4460% | 180 |
| Return on Equity (ROE) | 18.3012% | 435 |
| Retained earnings to average equity (ytd only) | 18.3012% | 104 |
| Net charge-offs to loans | 0.0339% | 1,057 |
| Credit loss provision to net charge-offs | 239.6947% | 890 |
| Earnings coverage of net charge-offs (x) | 97.3730% | 829 |
| Efficiency ratio | 47.4426% | 4,372 |
| Assets per employee ($millions) | 10.4387% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3319% | 4,645 |
| Loan loss allowance to noncurrent loans | 51.6913% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 663 |
| Noncurrent loans to loans | 0.6422% | 1,330 |
| Net loans and leases to total assets | 80.6202% | 361 |
| Net loans and leases to deposits | 96.8747% | 392 |
| Net loans and leases to core deposits | 118.5162% | 214 |
| Total domestic deposits to total assets | 83.2211% | 3,831 |
| Equity capital to assets | 10.1527% | 1,624 |
| Core capital (leverage) ratio | 10.4472% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2203% | 1,650 |
| Memoranda: | ||
| Average total assets | $7,013,529,333 | 210 |
| Average earning assets | $6,819,667,000 | 195 |
| Average equity | $703,275,000 | 210 |
| Average total loans | $5,412,341,333 | 180 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2936% | 2,405 |
| Cost of funding earning assets | 0.0449% | 4,631 |
| Net interest margin | 3.2486% | 1,724 |
| Noninterest income to average assets | 1.4426% | 368 |
| Noninterest expense to average assets | 2.1491% | 2,986 |
| Loan and lease loss provision to assets | 0.0865% | 960 |
| Net operating income to assets | 1.8048% | 327 |
| Return on assets (ROA) | 1.8045% | 328 |
| Pretax return on assets | 2.3705% | 212 |
| Return on Equity (ROE) | 18.1083% | 328 |
| Retained earnings to average equity (ytd only) | 18.1083% | 138 |
| Net charge-offs to loans | 0.0197% | 1,141 |
| Credit loss provision to net charge-offs | 582.9457% | 480 |
| Earnings coverage of net charge-offs (x) | 165.8488% | 497 |
| Efficiency ratio | 46.5304% | 4,472 |
| Assets per employee ($millions) | 10.6495% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3564% | 4,666 |
| Loan loss allowance to noncurrent loans | 63.2042% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 818 |
| Noncurrent loans to loans | 0.5639% | 1,628 |
| Net loans and leases to total assets | 75.2073% | 555 |
| Net loans and leases to deposits | 84.8304% | 821 |
| Net loans and leases to core deposits | 108.1199% | 304 |
| Total domestic deposits to total assets | 88.6561% | 2,229 |
| Equity capital to assets | 9.9103% | 1,965 |
| Core capital (leverage) ratio | 10.1868% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6366% | 1,605 |
| Memoranda: | ||
| Average total assets | $6,964,820,000 | 215 |
| Average earning assets | $6,783,400,500 | 197 |
| Average equity | $694,045,000 | 213 |
| Average total loans | $5,241,691,000 | 184 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 2,947 |
| Cost of funding earning assets | 0.0420% | 4,718 |
| Net interest margin | 3.3481% | 2,175 |
| Noninterest income to average assets | 1.5485% | 470 |
| Noninterest expense to average assets | 2.3972% | 2,498 |
| Loan and lease loss provision to assets | 0.0461% | 2,136 |
| Net operating income to assets | 1.8113% | 497 |
| Return on assets (ROA) | 1.8143% | 514 |
| Pretax return on assets | 2.3605% | 317 |
| Return on Equity (ROE) | 19.3503% | 350 |
| Retained earnings to average equity (ytd only) | 19.3503% | 69 |
| Net charge-offs to loans | 0.0166% | 1,964 |
| Credit loss provision to net charge-offs | 318.3544% | 1,032 |
| Earnings coverage of net charge-offs (x) | 205.2101% | 531 |
| Efficiency ratio | 49.8105% | 4,300 |
| Assets per employee ($millions) | 10.5188% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3465% | 4,707 |
| Loan loss allowance to noncurrent loans | 73.7889% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 1,041 |
| Noncurrent loans to loans | 0.4696% | 1,956 |
| Net loans and leases to total assets | 74.7753% | 604 |
| Net loans and leases to deposits | 84.7005% | 868 |
| Net loans and leases to core deposits | 101.6058% | 469 |
| Total domestic deposits to total assets | 88.2820% | 1,885 |
| Equity capital to assets | 10.0216% | 2,636 |
| Core capital (leverage) ratio | 10.9751% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9007% | 1,548 |
| Memoranda: | ||
| Average total assets | $6,744,780,600 | 211 |
| Average earning assets | $6,551,794,600 | 200 |
| Average equity | $632,405,000 | 234 |
| Average total loans | $4,764,655,400 | 196 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4222% | 3,039 |
| Cost of funding earning assets | 0.0462% | 4,793 |
| Net interest margin | 3.3760% | 2,220 |
| Noninterest income to average assets | 1.5186% | 536 |
| Noninterest expense to average assets | 2.3892% | 2,472 |
| Loan and lease loss provision to assets | 0.0295% | 2,410 |
| Net operating income to assets | 1.8770% | 582 |
| Return on assets (ROA) | 1.8818% | 600 |
| Pretax return on assets | 2.3817% | 401 |
| Return on Equity (ROE) | 20.4280% | 394 |
| Retained earnings to average equity (ytd only) | 20.4280% | 116 |
| Net charge-offs to loans | 0.0318% | 1,426 |
| Credit loss provision to net charge-offs | 106.9058% | 1,538 |
| Earnings coverage of net charge-offs (x) | 108.7614% | 828 |
| Efficiency ratio | 49.6977% | 4,247 |
| Assets per employee ($millions) | 9.6465% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3398% | 4,794 |
| Loan loss allowance to noncurrent loans | 53.6078% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.8013% | 890 |
| Noncurrent loans to loans | 0.6338% | 1,727 |
| Net loans and leases to total assets | 75.4790% | 585 |
| Net loans and leases to deposits | 91.3102% | 525 |
| Net loans and leases to core deposits | 108.2970% | 360 |
| Total domestic deposits to total assets | 82.6621% | 3,785 |
| Equity capital to assets | 10.5643% | 2,408 |
| Core capital (leverage) ratio | 10.2448% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6915% | 1,427 |
| Memoranda: | ||
| Average total assets | $6,719,048,250 | 212 |
| Average earning assets | $6,522,117,000 | 202 |
| Average equity | $618,944,250 | 236 |
| Average total loans | $4,671,269,250 | 199 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4199% | 3,114 |
| Cost of funding earning assets | 0.0518% | 4,818 |
| Net interest margin | 3.3681% | 2,248 |
| Noninterest income to average assets | 1.4549% | 574 |
| Noninterest expense to average assets | 2.4053% | 2,444 |
| Loan and lease loss provision to assets | -0.0038% | 4,393 |
| Net operating income to assets | 1.8288% | 669 |
| Return on assets (ROA) | 1.8339% | 694 |
| Pretax return on assets | 2.3264% | 462 |
| Return on Equity (ROE) | 20.8416% | 396 |
| Retained earnings to average equity (ytd only) | 20.8416% | 139 |
| Net charge-offs to loans | 0.0228% | 1,488 |
| Credit loss provision to net charge-offs | -49.0566% | 2,983 |
| Earnings coverage of net charge-offs (x) | 150.1038% | 587 |
| Efficiency ratio | 50.8059% | 4,164 |
| Assets per employee ($millions) | 10.1589% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3267% | 4,835 |
| Loan loss allowance to noncurrent loans | 48.6634% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 1,012 |
| Noncurrent loans to loans | 0.6712% | 1,746 |
| Net loans and leases to total assets | 71.1014% | 1,068 |
| Net loans and leases to deposits | 80.8149% | 1,352 |
| Net loans and leases to core deposits | 109.1010% | 388 |
| Total domestic deposits to total assets | 87.9806% | 1,835 |
| Equity capital to assets | 9.6774% | 3,176 |
| Core capital (leverage) ratio | 8.7332% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1357% | 1,587 |
| Memoranda: | ||
| Average total assets | $6,865,449,667 | 211 |
| Average earning assets | $6,661,214,000 | 198 |
| Average equity | $604,119,333 | 236 |
| Average total loans | $4,642,985,667 | 201 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 3,363 |
| Cost of funding earning assets | 0.0526% | 4,858 |
| Net interest margin | 3.2890% | 2,425 |
| Noninterest income to average assets | 1.3728% | 694 |
| Noninterest expense to average assets | 2.3001% | 2,795 |
| Loan and lease loss provision to assets | 0.0469% | 2,140 |
| Net operating income to assets | 1.7028% | 934 |
| Return on assets (ROA) | 1.6970% | 987 |
| Pretax return on assets | 2.2138% | 674 |
| Return on Equity (ROE) | 20.2293% | 513 |
| Retained earnings to average equity (ytd only) | 20.2293% | 262 |
| Net charge-offs to loans | 0.0217% | 1,302 |
| Credit loss provision to net charge-offs | 234.6614% | 839 |
| Earnings coverage of net charge-offs (x) | 158.4064% | 470 |
| Efficiency ratio | 50.2440% | 4,167 |
| Assets per employee ($millions) | 12.0580% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3499% | 4,850 |
| Loan loss allowance to noncurrent loans | 40.6612% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 1,129 |
| Noncurrent loans to loans | 0.8604% | 1,560 |
| Net loans and leases to total assets | 60.3184% | 2,503 |
| Net loans and leases to deposits | 66.6179% | 2,849 |
| Net loans and leases to core deposits | 114.6016% | 312 |
| Total domestic deposits to total assets | 90.5438% | 566 |
| Equity capital to assets | 7.7641% | 4,608 |
| Core capital (leverage) ratio | 8.6896% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3610% | 1,789 |
| Memoranda: | ||
| Average total assets | $7,016,848,500 | 202 |
| Average earning assets | $6,813,964,000 | 194 |
| Average equity | $588,632,000 | 240 |
| Average total loans | $4,623,762,500 | 202 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 3,671 |
| Cost of funding earning assets | 0.1348% | 4,775 |
| Net interest margin | 3.5271% | 2,386 |
| Noninterest income to average assets | 1.4194% | 586 |
| Noninterest expense to average assets | 2.7356% | 2,129 |
| Loan and lease loss provision to assets | 0.1065% | 3,008 |
| Net operating income to assets | 1.5184% | 774 |
| Return on assets (ROA) | 1.5098% | 858 |
| Pretax return on assets | 1.9742% | 478 |
| Return on Equity (ROE) | 17.1988% | 391 |
| Retained earnings to average equity (ytd only) | 17.1988% | 100 |
| Net charge-offs to loans | 0.0724% | 1,764 |
| Credit loss provision to net charge-offs | 209.8321% | 2,113 |
| Earnings coverage of net charge-offs (x) | 42.6711% | 1,329 |
| Efficiency ratio | 56.5582% | 3,912 |
| Assets per employee ($millions) | 9.8904% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3531% | 4,878 |
| Loan loss allowance to noncurrent loans | 36.0187% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.0616% | 878 |
| Noncurrent loans to loans | 0.9803% | 1,440 |
| Net loans and leases to total assets | 72.2622% | 1,259 |
| Net loans and leases to deposits | 81.4308% | 1,717 |
| Net loans and leases to core deposits | 165.8904% | 65 |
| Total domestic deposits to total assets | 88.7406% | 1,097 |
| Equity capital to assets | 9.1601% | 3,929 |
| Core capital (leverage) ratio | 9.1101% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6868% | 1,979 |
| Memoranda: | ||
| Average total assets | $5,961,532,800 | 219 |
| Average earning assets | $5,756,062,600 | 208 |
| Average equity | $523,328,000 | 250 |
| Average total loans | $4,031,511,800 | 220 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 3,889 |
| Cost of funding earning assets | 0.1591% | 4,776 |
| Net interest margin | 3.5029% | 2,582 |
| Noninterest income to average assets | 1.3899% | 576 |
| Noninterest expense to average assets | 2.7647% | 2,075 |
| Loan and lease loss provision to assets | 0.1314% | 2,707 |
| Net operating income to assets | 1.4415% | 1,010 |
| Return on assets (ROA) | 1.4265% | 1,128 |
| Pretax return on assets | 1.8579% | 701 |
| Return on Equity (ROE) | 16.4405% | 498 |
| Retained earnings to average equity (ytd only) | 16.4405% | 141 |
| Net charge-offs to loans | 0.1006% | 1,305 |
| Credit loss provision to net charge-offs | 196.8750% | 2,127 |
| Earnings coverage of net charge-offs (x) | 30.0340% | 1,581 |
| Efficiency ratio | 57.8308% | 3,687 |
| Assets per employee ($millions) | 9.6871% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3544% | 4,908 |
| Loan loss allowance to noncurrent loans | 33.5481% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 912 |
| Noncurrent loans to loans | 1.0565% | 1,414 |
| Net loans and leases to total assets | 71.5391% | 1,736 |
| Net loans and leases to deposits | 80.3888% | 2,279 |
| Net loans and leases to core deposits | 201.3725% | 40 |
| Total domestic deposits to total assets | 88.9913% | 772 |
| Equity capital to assets | 8.9187% | 4,170 |
| Core capital (leverage) ratio | 8.5011% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4542% | 2,016 |
| Memoranda: | ||
| Average total assets | $5,881,811,000 | 219 |
| Average earning assets | $5,674,062,250 | 208 |
| Average equity | $510,336,750 | 251 |
| Average total loans | $3,900,777,000 | 225 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 4,064 |
| Cost of funding earning assets | 0.2079% | 4,746 |
| Net interest margin | 3.5024% | 2,777 |
| Noninterest income to average assets | 1.2786% | 624 |
| Noninterest expense to average assets | 2.8371% | 2,005 |
| Loan and lease loss provision to assets | 0.1455% | 2,555 |
| Net operating income to assets | 1.2855% | 1,397 |
| Return on assets (ROA) | 1.2584% | 1,588 |
| Pretax return on assets | 1.6436% | 1,122 |
| Return on Equity (ROE) | 14.6487% | 764 |
| Retained earnings to average equity (ytd only) | 14.6487% | 239 |
| Net charge-offs to loans | 0.1320% | 1,054 |
| Credit loss provision to net charge-offs | 171.1844% | 2,031 |
| Earnings coverage of net charge-offs (x) | 21.3720% | 1,656 |
| Efficiency ratio | 60.8212% | 3,303 |
| Assets per employee ($millions) | 9.9264% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3455% | 4,937 |
| Loan loss allowance to noncurrent loans | 36.1944% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0725% | 1,073 |
| Noncurrent loans to loans | 0.9547% | 1,619 |
| Net loans and leases to total assets | 67.7635% | 2,400 |
| Net loans and leases to deposits | 75.8746% | 2,886 |
| Net loans and leases to core deposits | 186.8949% | 48 |
| Total domestic deposits to total assets | 89.3099% | 643 |
| Equity capital to assets | 8.4312% | 4,515 |
| Core capital (leverage) ratio | 8.3399% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9951% | 1,823 |
| Memoranda: | ||
| Average total assets | $5,782,295,333 | 219 |
| Average earning assets | $5,571,739,333 | 207 |
| Average equity | $496,713,333 | 259 |
| Average total loans | $3,722,003,667 | 231 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 4,134 |
| Cost of funding earning assets | 0.3672% | 4,468 |
| Net interest margin | 3.4816% | 3,042 |
| Noninterest income to average assets | 1.1938% | 614 |
| Noninterest expense to average assets | 2.9083% | 2,098 |
| Loan and lease loss provision to assets | 0.2574% | 1,207 |
| Net operating income to assets | 1.0636% | 1,953 |
| Return on assets (ROA) | 1.0226% | 2,204 |
| Pretax return on assets | 1.3356% | 1,762 |
| Return on Equity (ROE) | 11.7821% | 1,166 |
| Retained earnings to average equity (ytd only) | 11.7821% | 445 |
| Net charge-offs to loans | 0.1563% | 828 |
| Credit loss provision to net charge-offs | 264.1328% | 1,254 |
| Earnings coverage of net charge-offs (x) | 16.7668% | 1,513 |
| Efficiency ratio | 63.8698% | 3,253 |
| Assets per employee ($millions) | 8.7375% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3903% | 4,951 |
| Loan loss allowance to noncurrent loans | 42.1042% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 1,225 |
| Noncurrent loans to loans | 0.9270% | 1,774 |
| Net loans and leases to total assets | 69.5542% | 2,315 |
| Net loans and leases to deposits | 80.7347% | 2,603 |
| Net loans and leases to core deposits | 171.4188% | 64 |
| Total domestic deposits to total assets | 86.1516% | 1,943 |
| Equity capital to assets | 8.9617% | 4,622 |
| Core capital (leverage) ratio | 8.7043% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1273% | 1,319 |
| Memoranda: | ||
| Average total assets | $5,561,514,500 | 219 |
| Average earning assets | $5,348,820,000 | 208 |
| Average equity | $482,698,000 | 265 |
| Average total loans | $3,466,941,500 | 238 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 4,465 |
| Cost of funding earning assets | 0.1856% | 4,991 |
| Net interest margin | 3.6976% | 2,821 |
| Noninterest income to average assets | 2.1444% | 233 |
| Noninterest expense to average assets | 3.9266% | 581 |
| Loan and lease loss provision to assets | 0.0906% | 2,212 |
| Net operating income to assets | 1.2112% | 2,016 |
| Return on assets (ROA) | 1.2156% | 2,090 |
| Pretax return on assets | 1.6527% | 1,331 |
| Return on Equity (ROE) | 13.2800% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.2800% | 154 |
| Net charge-offs to loans | 0.1111% | 1,618 |
| Credit loss provision to net charge-offs | 156.3611% | 1,647 |
| Earnings coverage of net charge-offs (x) | 30.0068% | 1,586 |
| Efficiency ratio | 68.8199% | 2,341 |
| Assets per employee ($millions) | 9.2517% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3281% | 5,026 |
| Loan loss allowance to noncurrent loans | 27.2258% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.0960% | 1,114 |
| Noncurrent loans to loans | 1.2050% | 1,247 |
| Net loans and leases to total assets | 54.9346% | 4,007 |
| Net loans and leases to deposits | 61.4069% | 4,219 |
| Net loans and leases to core deposits | 123.4845% | 395 |
| Total domestic deposits to total assets | 89.4599% | 505 |
| Equity capital to assets | 8.4068% | 4,948 |
| Core capital (leverage) ratio | 9.4582% | 4,102 |
| Tier 1 risk-based capital ratio | 18.7055% | 1,589 |
| Total risk-based capital ratio | 19.1149% | 1,748 |
| Memoranda: | ||
| Average total assets | $4,855,867,600 | 233 |
| Average earning assets | $4,624,136,000 | 226 |
| Average equity | $444,501,600 | 271 |
| Average total loans | $2,533,959,000 | 283 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 4,148 |
| Cost of funding earning assets | 0.1569% | 5,114 |
| Net interest margin | 3.9464% | 2,115 |
| Noninterest income to average assets | 2.3957% | 210 |
| Noninterest expense to average assets | 4.0038% | 530 |
| Loan and lease loss provision to assets | 0.0845% | 2,217 |
| Net operating income to assets | 1.5515% | 1,058 |
| Return on assets (ROA) | 1.5887% | 1,004 |
| Pretax return on assets | 2.0925% | 559 |
| Return on Equity (ROE) | 16.9355% | 482 |
| Retained earnings to average equity (ytd only) | 16.9355% | 84 |
| Net charge-offs to loans | 0.0694% | 1,837 |
| Credit loss provision to net charge-offs | 237.5201% | 1,137 |
| Earnings coverage of net charge-offs (x) | 60.1400% | 1,052 |
| Efficiency ratio | 64.7022% | 2,907 |
| Assets per employee ($millions) | 7.9920% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4487% | 5,024 |
| Loan loss allowance to noncurrent loans | 23.3644% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.4149% | 816 |
| Noncurrent loans to loans | 1.9206% | 722 |
| Net loans and leases to total assets | 46.4593% | 4,582 |
| Net loans and leases to deposits | 52.7272% | 4,681 |
| Net loans and leases to core deposits | 115.6333% | 674 |
| Total domestic deposits to total assets | 88.1127% | 990 |
| Equity capital to assets | 9.6120% | 4,373 |
| Core capital (leverage) ratio | 9.3951% | 4,282 |
| Tier 1 risk-based capital ratio | 24.5197% | 804 |
| Total risk-based capital ratio | 25.0673% | 846 |
| Memoranda: | ||
| Average total assets | $4,654,318,500 | 246 |
| Average earning assets | $4,420,156,250 | 234 |
| Average equity | $436,627,250 | 276 |
| Average total loans | $2,387,281,250 | 295 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 4,277 |
| Cost of funding earning assets | 0.0852% | 5,240 |
| Net interest margin | 3.9658% | 2,032 |
| Noninterest income to average assets | 2.1996% | 232 |
| Noninterest expense to average assets | 4.0414% | 506 |
| Loan and lease loss provision to assets | 0.1009% | 1,856 |
| Net operating income to assets | 1.4019% | 1,434 |
| Return on assets (ROA) | 1.4579% | 1,327 |
| Pretax return on assets | 1.8797% | 869 |
| Return on Equity (ROE) | 15.6803% | 646 |
| Retained earnings to average equity (ytd only) | 15.6803% | 144 |
| Net charge-offs to loans | 0.0798% | 1,564 |
| Credit loss provision to net charge-offs | 238.8370% | 1,061 |
| Earnings coverage of net charge-offs (x) | 45.5358% | 1,164 |
| Efficiency ratio | 67.2466% | 2,650 |
| Assets per employee ($millions) | 7.4879% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3787% | 5,124 |
| Loan loss allowance to noncurrent loans | 20.7728% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.6358% | 654 |
| Noncurrent loans to loans | 1.8233% | 825 |
| Net loans and leases to total assets | 57.0553% | 4,004 |
| Net loans and leases to deposits | 65.5979% | 4,123 |
| Net loans and leases to core deposits | 134.6120% | 249 |
| Total domestic deposits to total assets | 86.9775% | 1,601 |
| Equity capital to assets | 9.7508% | 4,190 |
| Core capital (leverage) ratio | 9.7619% | 3,868 |
| Tier 1 risk-based capital ratio | 20.1629% | 1,319 |
| Total risk-based capital ratio | 20.6192% | 1,435 |
| Memoranda: | ||
| Average total assets | $4,556,741,000 | 250 |
| Average earning assets | $4,327,660,330 | 238 |
| Average equity | $423,666,670 | 280 |
| Average total loans | $2,413,466,000 | 295 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 4,280 |
| Cost of funding earning assets | 0.0842% | 5,301 |
| Net interest margin | 3.9579% | 1,996 |
| Noninterest income to average assets | 2.6797% | 170 |
| Noninterest expense to average assets | 4.0597% | 493 |
| Loan and lease loss provision to assets | 0.1500% | 1,120 |
| Net operating income to assets | 1.7030% | 724 |
| Return on assets (ROA) | 1.7488% | 682 |
| Pretax return on assets | 2.2813% | 372 |
| Return on Equity (ROE) | 19.2863% | 308 |
| Retained earnings to average equity (ytd only) | 19.2863% | 116 |
| Net charge-offs to loans | 0.0692% | 1,365 |
| Credit loss provision to net charge-offs | 427.1357% | 669 |
| Earnings coverage of net charge-offs (x) | 67.9196% | 858 |
| Efficiency ratio | 62.5284% | 3,450 |
| Assets per employee ($millions) | 7.8163% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4445% | 5,133 |
| Loan loss allowance to noncurrent loans | 24.2414% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 786 |
| Noncurrent loans to loans | 1.8336% | 837 |
| Net loans and leases to total assets | 48.1805% | 4,578 |
| Net loans and leases to deposits | 55.1975% | 4,636 |
| Net loans and leases to core deposits | 116.0634% | 645 |
| Total domestic deposits to total assets | 87.2875% | 1,671 |
| Equity capital to assets | 9.1894% | 4,547 |
| Core capital (leverage) ratio | 9.6330% | 3,992 |
| Tier 1 risk-based capital ratio | 23.1680% | 920 |
| Total risk-based capital ratio | 23.7074% | 971 |
| Memoranda: | ||
| Average total assets | $4,532,588,500 | 249 |
| Average earning assets | $4,312,270,000 | 239 |
| Average equity | $410,986,500 | 285 |
| Average total loans | $2,301,492,000 | 306 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5419% | 4,867 |
| Cost of funding earning assets | 0.1194% | 5,246 |
| Net interest margin | 3.4225% | 3,932 |
| Noninterest income to average assets | 3.4656% | 126 |
| Noninterest expense to average assets | 3.8031% | 681 |
| Loan and lease loss provision to assets | 0.0811% | 2,507 |
| Net operating income to assets | 2.0865% | 303 |
| Return on assets (ROA) | 2.1129% | 286 |
| Pretax return on assets | 2.8423% | 116 |
| Return on Equity (ROE) | 26.9518% | 62 |
| Retained earnings to average equity (ytd only) | 26.9518% | 17 |
| Net charge-offs to loans | 0.0942% | 1,819 |
| Credit loss provision to net charge-offs | 176.7751% | 1,594 |
| Earnings coverage of net charge-offs (x) | 63.1420% | 992 |
| Efficiency ratio | 56.3114% | 4,370 |
| Assets per employee ($millions) | 7.5333% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3661% | 5,241 |
| Loan loss allowance to noncurrent loans | 19.5071% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.6037% | 704 |
| Noncurrent loans to loans | 1.8765% | 739 |
| Net loans and leases to total assets | 52.8045% | 4,368 |
| Net loans and leases to deposits | 59.6223% | 4,500 |
| Net loans and leases to core deposits | 102.4200% | 1,548 |
| Total domestic deposits to total assets | 88.5650% | 1,043 |
| Equity capital to assets | 8.8964% | 4,661 |
| Core capital (leverage) ratio | 9.6994% | 3,903 |
| Tier 1 risk-based capital ratio | 20.1814% | 1,274 |
| Total risk-based capital ratio | 20.6099% | 1,397 |
| Memoranda: | ||
| Average total assets | $4,420,589,400 | 247 |
| Average earning assets | $4,177,405,400 | 239 |
| Average equity | $346,555,800 | 318 |
| Average total loans | $2,152,464,800 | 316 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 4,927 |
| Cost of funding earning assets | 0.1368% | 5,254 |
| Net interest margin | 3.3630% | 4,124 |
| Noninterest income to average assets | 4.1418% | 115 |
| Noninterest expense to average assets | 3.7505% | 709 |
| Loan and lease loss provision to assets | 0.0804% | 2,347 |
| Net operating income to assets | 2.5933% | 135 |
| Return on assets (ROA) | 2.5968% | 133 |
| Pretax return on assets | 3.4900% | 76 |
| Return on Equity (ROE) | 34.2923% | 26 |
| Retained earnings to average equity (ytd only) | 34.2923% | 8 |
| Net charge-offs to loans | 0.1056% | 1,433 |
| Credit loss provision to net charge-offs | 159.9519% | 1,628 |
| Earnings coverage of net charge-offs (x) | 70.9524% | 946 |
| Efficiency ratio | 50.8405% | 4,895 |
| Assets per employee ($millions) | 7.4472% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4042% | 5,282 |
| Loan loss allowance to noncurrent loans | 18.0243% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 1.6950% | 725 |
| Noncurrent loans to loans | 2.2427% | 621 |
| Net loans and leases to total assets | 45.6853% | 4,817 |
| Net loans and leases to deposits | 51.4856% | 4,900 |
| Net loans and leases to core deposits | 95.3448% | 2,181 |
| Total domestic deposits to total assets | 88.7343% | 942 |
| Equity capital to assets | 8.7511% | 4,761 |
| Core capital (leverage) ratio | 9.1904% | 4,521 |
| Tier 1 risk-based capital ratio | 23.4683% | 896 |
| Total risk-based capital ratio | 23.9435% | 948 |
| Memoranda: | ||
| Average total assets | $4,410,803,000 | 243 |
| Average earning assets | $4,164,867,250 | 236 |
| Average equity | $334,006,250 | 322 |
| Average total loans | $2,099,682,750 | 319 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 5,058 |
| Cost of funding earning assets | 0.1066% | 5,387 |
| Net interest margin | 3.2769% | 4,318 |
| Noninterest income to average assets | 2.0813% | 261 |
| Noninterest expense to average assets | 3.7309% | 725 |
| Loan and lease loss provision to assets | 0.0723% | 2,441 |
| Net operating income to assets | 1.0270% | 2,907 |
| Return on assets (ROA) | 1.0326% | 2,882 |
| Pretax return on assets | 1.3763% | 2,241 |
| Return on Equity (ROE) | 14.3718% | 993 |
| Retained earnings to average equity (ytd only) | 14.3718% | 247 |
| Net charge-offs to loans | 0.0639% | 1,707 |
| Credit loss provision to net charge-offs | 234.9486% | 1,185 |
| Earnings coverage of net charge-offs (x) | 46.8884% | 1,174 |
| Efficiency ratio | 71.5283% | 2,080 |
| Assets per employee ($millions) | 7.4870% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3702% | 5,383 |
| Loan loss allowance to noncurrent loans | 13.0896% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 2.1849% | 454 |
| Noncurrent loans to loans | 2.8280% | 422 |
| Net loans and leases to total assets | 51.1694% | 4,531 |
| Net loans and leases to deposits | 56.5520% | 4,719 |
| Net loans and leases to core deposits | 132.6586% | 286 |
| Total domestic deposits to total assets | 90.4821% | 405 |
| Equity capital to assets | 7.6421% | 5,335 |
| Core capital (leverage) ratio | 7.6887% | 5,417 |
| Tier 1 risk-based capital ratio | 18.1610% | 1,761 |
| Total risk-based capital ratio | 18.5939% | 1,940 |
| Memoranda: | ||
| Average total assets | $4,426,376,000 | 242 |
| Average earning assets | $4,177,179,330 | 233 |
| Average equity | $318,039,670 | 327 |
| Average total loans | $2,132,297,330 | 317 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3056% | 5,134 |
| Cost of funding earning assets | 0.1118% | 5,422 |
| Net interest margin | 3.1938% | 4,487 |
| Noninterest income to average assets | 2.5617% | 192 |
| Noninterest expense to average assets | 3.6949% | 763 |
| Loan and lease loss provision to assets | 0.0618% | 2,545 |
| Net operating income to assets | 1.3399% | 1,510 |
| Return on assets (ROA) | 1.3522% | 1,484 |
| Pretax return on assets | 1.8287% | 859 |
| Return on Equity (ROE) | 19.3927% | 291 |
| Retained earnings to average equity (ytd only) | 19.3927% | 113 |
| Net charge-offs to loans | 0.0966% | 1,211 |
| Credit loss provision to net charge-offs | 136.9863% | 1,289 |
| Earnings coverage of net charge-offs (x) | 41.6321% | 1,047 |
| Efficiency ratio | 65.7744% | 3,212 |
| Assets per employee ($millions) | 7.8121% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3525% | 5,463 |
| Loan loss allowance to noncurrent loans | 9.9244% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.4782% | 378 |
| Noncurrent loans to loans | 3.5523% | 291 |
| Net loans and leases to total assets | 47.2367% | 4,736 |
| Net loans and leases to deposits | 51.8641% | 4,885 |
| Net loans and leases to core deposits | 123.6387% | 483 |
| Total domestic deposits to total assets | 91.0778% | 293 |
| Equity capital to assets | 7.3187% | 5,470 |
| Core capital (leverage) ratio | 7.3136% | 5,524 |
| Tier 1 risk-based capital ratio | 17.8270% | 1,885 |
| Total risk-based capital ratio | 18.2225% | 2,076 |
| Memoranda: | ||
| Average total assets | $4,531,967,000 | 239 |
| Average earning assets | $4,272,402,000 | 232 |
| Average equity | $315,995,500 | 331 |
| Average total loans | $2,115,994,000 | 316 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9411% | 5,394 |
| Cost of funding earning assets | 0.1082% | 5,466 |
| Net interest margin | 2.8329% | 5,124 |
| Noninterest income to average assets | 2.0945% | 277 |
| Noninterest expense to average assets | 3.6560% | 840 |
| Loan and lease loss provision to assets | 0.0657% | 2,894 |
| Net operating income to assets | 0.4552% | 4,513 |
| Return on assets (ROA) | 0.5850% | 4,118 |
| Pretax return on assets | 1.1666% | 2,913 |
| Return on Equity (ROE) | 8.3554% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.3554% | 657 |
| Net charge-offs to loans | 0.1008% | 2,064 |
| Credit loss provision to net charge-offs | 135.4988% | 1,951 |
| Earnings coverage of net charge-offs (x) | 22.3513% | 1,854 |
| Efficiency ratio | 76.4856% | 1,556 |
| Assets per employee ($millions) | 8.7450% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3276% | 5,537 |
| Loan loss allowance to noncurrent loans | 21.5033% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 1.4254% | 983 |
| Noncurrent loans to loans | 1.5236% | 1,111 |
| Net loans and leases to total assets | 45.8786% | 4,899 |
| Net loans and leases to deposits | 50.4785% | 5,043 |
| Net loans and leases to core deposits | 98.2922% | 1,844 |
| Total domestic deposits to total assets | 90.8874% | 271 |
| Equity capital to assets | 6.6519% | 5,606 |
| Core capital (leverage) ratio | 7.6123% | 5,536 |
| Tier 1 risk-based capital ratio | 16.2251% | 2,355 |
| Total risk-based capital ratio | 16.5922% | 2,624 |
| Memoranda: | ||
| Average total assets | $4,441,398,600 | 230 |
| Average earning assets | $4,148,413,800 | 222 |
| Average equity | $310,974,000 | 327 |
| Average total loans | $2,138,631,800 | 302 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9834% | 5,422 |
| Cost of funding earning assets | 0.1108% | 5,516 |
| Net interest margin | 2.8726% | 5,125 |
| Noninterest income to average assets | 2.2397% | 259 |
| Noninterest expense to average assets | 3.7780% | 695 |
| Loan and lease loss provision to assets | 0.0655% | 2,761 |
| Net operating income to assets | 1.1215% | 1,987 |
| Return on assets (ROA) | 1.2748% | 1,446 |
| Pretax return on assets | 1.2243% | 2,804 |
| Return on Equity (ROE) | 17.9663% | 333 |
| Retained earnings to average equity (ytd only) | 17.9663% | 66 |
| Net charge-offs to loans | 0.0749% | 2,067 |
| Credit loss provision to net charge-offs | 179.4658% | 1,480 |
| Earnings coverage of net charge-offs (x) | 31.1320% | 1,520 |
| Efficiency ratio | 76.2585% | 1,552 |
| Assets per employee ($millions) | 7.3778% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3585% | 5,591 |
| Loan loss allowance to noncurrent loans | 21.4755% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.7760% | 788 |
| Noncurrent loans to loans | 1.6692% | 1,095 |
| Net loans and leases to total assets | 50.7198% | 4,659 |
| Net loans and leases to deposits | 56.5445% | 4,841 |
| Net loans and leases to core deposits | 121.5496% | 531 |
| Total domestic deposits to total assets | 89.6989% | 575 |
| Equity capital to assets | 8.3313% | 5,380 |
| Core capital (leverage) ratio | 8.0499% | 5,498 |
| Tier 1 risk-based capital ratio | 15.9568% | 2,529 |
| Total risk-based capital ratio | 16.3107% | 2,822 |
| Memoranda: | ||
| Average total assets | $4,375,546,250 | 232 |
| Average earning assets | $4,074,230,500 | 227 |
| Average equity | $310,477,250 | 326 |
| Average total loans | $2,131,891,000 | 302 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8223% | 5,549 |
| Cost of funding earning assets | 0.1056% | 5,581 |
| Net interest margin | 2.7168% | 5,344 |
| Noninterest income to average assets | 1.9984% | 313 |
| Noninterest expense to average assets | 3.4699% | 1,056 |
| Loan and lease loss provision to assets | 0.0600% | 2,765 |
| Net operating income to assets | 1.3302% | 1,216 |
| Return on assets (ROA) | 1.5085% | 873 |
| Pretax return on assets | 1.1797% | 2,854 |
| Return on Equity (ROE) | 22.4126% | 121 |
| Retained earnings to average equity (ytd only) | 22.4126% | 43 |
| Net charge-offs to loans | 0.0304% | 2,598 |
| Credit loss provision to net charge-offs | 410.3343% | 774 |
| Earnings coverage of net charge-offs (x) | 72.6383% | 822 |
| Efficiency ratio | 75.9267% | 1,728 |
| Assets per employee ($millions) | 7.8889% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3318% | 5,651 |
| Loan loss allowance to noncurrent loans | 13.2709% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 2.0444% | 611 |
| Noncurrent loans to loans | 2.5000% | 603 |
| Net loans and leases to total assets | 51.2839% | 4,625 |
| Net loans and leases to deposits | 56.7793% | 4,819 |
| Net loans and leases to core deposits | 111.7043% | 920 |
| Total domestic deposits to total assets | 90.3216% | 419 |
| Equity capital to assets | 7.5303% | 5,653 |
| Core capital (leverage) ratio | 7.6193% | 5,631 |
| Tier 1 risk-based capital ratio | 15.0432% | 2,904 |
| Total risk-based capital ratio | 15.3886% | 3,265 |
| Memoranda: | ||
| Average total assets | $4,503,591,670 | 228 |
| Average earning assets | $4,198,671,000 | 220 |
| Average equity | $303,123,670 | 332 |
| Average total loans | $2,165,282,330 | 301 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6441% | 5,669 |
| Cost of funding earning assets | 0.1119% | 5,607 |
| Net interest margin | 2.5322% | 5,519 |
| Noninterest income to average assets | 2.0857% | 298 |
| Noninterest expense to average assets | 3.3974% | 1,210 |
| Loan and lease loss provision to assets | 0.0869% | 2,085 |
| Net operating income to assets | 0.6349% | 4,003 |
| Return on assets (ROA) | 0.8080% | 3,249 |
| Pretax return on assets | 1.1565% | 2,755 |
| Return on Equity (ROE) | 12.7108% | 1,060 |
| Retained earnings to average equity (ytd only) | 12.7108% | 403 |
| Net charge-offs to loans | 0.0071% | 2,723 |
| Credit loss provision to net charge-offs | 2,631.5789% | 127 |
| Earnings coverage of net charge-offs (x) | 319.5526% | 189 |
| Efficiency ratio | 75.6422% | 1,965 |
| Assets per employee ($millions) | 8.0699% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3552% | 5,716 |
| Loan loss allowance to noncurrent loans | 11.8935% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.1621% | 583 |
| Noncurrent loans to loans | 2.9867% | 463 |
| Net loans and leases to total assets | 46.7727% | 4,906 |
| Net loans and leases to deposits | 50.5189% | 5,097 |
| Net loans and leases to core deposits | 109.3957% | 905 |
| Total domestic deposits to total assets | 92.5846% | 53 |
| Equity capital to assets | 6.8197% | 5,773 |
| Core capital (leverage) ratio | 6.7410% | 5,779 |
| Tier 1 risk-based capital ratio | 14.2804% | 3,328 |
| Total risk-based capital ratio | 14.6329% | 3,765 |
| Memoranda: | ||
| Average total assets | $4,601,724,500 | 222 |
| Average earning assets | $4,302,025,000 | 214 |
| Average equity | $292,507,500 | 338 |
| Average total loans | $2,139,764,000 | 306 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4569% | 5,770 |
| Cost of funding earning assets | 0.1334% | 5,527 |
| Net interest margin | 2.3235% | 5,697 |
| Noninterest income to average assets | 1.0350% | 1,055 |
| Noninterest expense to average assets | 4.4463% | 400 |
| Loan and lease loss provision to assets | 0.0745% | 2,863 |
| Net operating income to assets | -0.9654% | 5,835 |
| Return on assets (ROA) | -1.8663% | 5,877 |
| Pretax return on assets | -2.2099% | 5,879 |
| Return on Equity (ROE) | -27.9646% | 5,885 |
| Retained earnings to average equity (ytd only) | -27.9646% | 5,877 |
| Net charge-offs to loans | 0.0678% | 2,725 |
| Credit loss provision to net charge-offs | 234.9650% | 1,226 |
| Earnings coverage of net charge-offs (x) | -39.5399% | 4,269 |
| Efficiency ratio | 138.4063% | 44 |
| Assets per employee ($millions) | 8.6152% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2840% | 5,804 |
| Loan loss allowance to noncurrent loans | 6.5016% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.3176% | 537 |
| Noncurrent loans to loans | 4.3683% | 218 |
| Net loans and leases to total assets | 45.9099% | 5,019 |
| Net loans and leases to deposits | 52.3446% | 5,100 |
| Net loans and leases to core deposits | 101.3069% | 1,505 |
| Total domestic deposits to total assets | 87.7070% | 1,786 |
| Equity capital to assets | 6.1552% | 5,851 |
| Core capital (leverage) ratio | 7.0883% | 5,801 |
| Tier 1 risk-based capital ratio | 13.7262% | 3,628 |
| Total risk-based capital ratio | 14.0164% | 4,110 |
| Memoranda: | ||
| Average total assets | $4,510,867,000 | 215 |
| Average earning assets | $4,189,350,000 | 208 |
| Average equity | $301,040,800 | 322 |
| Average total loans | $2,107,711,600 | 297 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4391% | 5,838 |
| Cost of funding earning assets | 0.1419% | 5,530 |
| Net interest margin | 2.2972% | 5,775 |
| Noninterest income to average assets | 1.2039% | 794 |
| Noninterest expense to average assets | 4.7441% | 313 |
| Loan and lease loss provision to assets | 0.0545% | 3,173 |
| Net operating income to assets | -0.9567% | 5,901 |
| Return on assets (ROA) | -2.0369% | 5,945 |
| Pretax return on assets | -2.5138% | 5,952 |
| Return on Equity (ROE) | -29.8861% | 5,957 |
| Retained earnings to average equity (ytd only) | -29.8861% | 5,942 |
| Net charge-offs to loans | 0.0098% | 3,584 |
| Credit loss provision to net charge-offs | 1,190.7895% | 349 |
| Earnings coverage of net charge-offs (x) | -308.5485% | 3,948 |
| Efficiency ratio | 141.5684% | 45 |
| Assets per employee ($millions) | 7.2579% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2849% | 5,865 |
| Loan loss allowance to noncurrent loans | 10.6389% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 1.7417% | 963 |
| Noncurrent loans to loans | 2.6778% | 618 |
| Net loans and leases to total assets | 50.4568% | 4,790 |
| Net loans and leases to deposits | 56.1639% | 4,982 |
| Net loans and leases to core deposits | 124.5015% | 400 |
| Total domestic deposits to total assets | 89.8384% | 541 |
| Equity capital to assets | 7.7736% | 5,800 |
| Core capital (leverage) ratio | 7.4087% | 5,840 |
| Tier 1 risk-based capital ratio | 14.5588% | 3,262 |
| Total risk-based capital ratio | 14.8383% | 3,720 |
| Memoranda: | ||
| Average total assets | $4,428,149,250 | 218 |
| Average earning assets | $4,102,083,250 | 212 |
| Average equity | $301,796,000 | 322 |
| Average total loans | $2,077,348,000 | 297 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2791% | 5,958 |
| Cost of funding earning assets | 0.1133% | 5,790 |
| Net interest margin | 2.1658% | 5,913 |
| Noninterest income to average assets | 0.8582% | 1,516 |
| Noninterest expense to average assets | 5.0183% | 262 |
| Loan and lease loss provision to assets | 0.0471% | 3,209 |
| Net operating income to assets | -1.4654% | 5,997 |
| Return on assets (ROA) | -2.0182% | 6,016 |
| Pretax return on assets | -2.7199% | 6,026 |
| Return on Equity (ROE) | -30.9672% | 6,027 |
| Retained earnings to average equity (ytd only) | -30.9672% | 6,005 |
| Net charge-offs to loans | 0.0060% | 3,482 |
| Credit loss provision to net charge-offs | 1,709.6774% | 237 |
| Earnings coverage of net charge-offs (x) | -781.3871% | 3,688 |
| Efficiency ratio | 174.1991% | 26 |
| Assets per employee ($millions) | 6.1707% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2577% | 5,953 |
| Loan loss allowance to noncurrent loans | 9.2395% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 1.5243% | 1,244 |
| Noncurrent loans to loans | 2.7890% | 569 |
| Net loans and leases to total assets | 47.6226% | 5,019 |
| Net loans and leases to deposits | 51.3195% | 5,280 |
| Net loans and leases to core deposits | 66.1659% | 4,600 |
| Total domestic deposits to total assets | 92.7962% | 36 |
| Equity capital to assets | 6.2046% | 6,007 |
| Core capital (leverage) ratio | 6.3247% | 5,986 |
| Tier 1 risk-based capital ratio | 11.7997% | 4,973 |
| Total risk-based capital ratio | 12.0450% | 5,454 |
| Memoranda: | ||
| Average total assets | $4,503,429,000 | 217 |
| Average earning assets | $4,176,656,670 | 209 |
| Average equity | $293,504,000 | 323 |
| Average total loans | $2,060,994,670 | 300 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2331% | 6,027 |
| Cost of funding earning assets | 0.1131% | 5,856 |
| Net interest margin | 2.1199% | 5,988 |
| Noninterest income to average assets | 1.3406% | 615 |
| Noninterest expense to average assets | 4.8628% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.0290% | 6,030 |
| Return on assets (ROA) | -0.9327% | 6,023 |
| Pretax return on assets | -1.3968% | 6,047 |
| Return on Equity (ROE) | -13.9880% | 6,046 |
| Retained earnings to average equity (ytd only) | -13.9880% | 5,892 |
| Net charge-offs to loans | 0.0041% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -843.6190% | 3,093 |
| Efficiency ratio | 146.2823% | 49 |
| Assets per employee ($millions) | 6.0895% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2244% | 6,032 |
| Loan loss allowance to noncurrent loans | 6.5751% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 1.7771% | 1,051 |
| Noncurrent loans to loans | 3.4124% | 412 |
| Net loans and leases to total assets | 44.6524% | 5,210 |
| Net loans and leases to deposits | 48.5711% | 5,402 |
| Net loans and leases to core deposits | 60.4044% | 4,912 |
| Total domestic deposits to total assets | 91.9321% | 114 |
| Equity capital to assets | 6.9181% | 6,016 |
| Core capital (leverage) ratio | 6.6819% | 6,018 |
| Tier 1 risk-based capital ratio | 13.7426% | 3,840 |
| Total risk-based capital ratio | 13.9469% | 4,371 |
| Memoranda: | ||
| Average total assets | $4,561,469,500 | 216 |
| Average earning assets | $4,235,957,500 | 210 |
| Average equity | $304,147,000 | 317 |
| Average total loans | $2,044,109,000 | 296 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8808% | 6,104 |
| Cost of funding earning assets | 0.1484% | 5,694 |
| Net interest margin | 1.7324% | 6,089 |
| Noninterest income to average assets | 2.4300% | 273 |
| Noninterest expense to average assets | 4.0719% | 613 |
| Loan and lease loss provision to assets | 0.0438% | 3,450 |
| Net operating income to assets | -0.0686% | 5,910 |
| Return on assets (ROA) | 0.3838% | 5,184 |
| Pretax return on assets | 0.3728% | 5,375 |
| Return on Equity (ROE) | 6.0270% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.9516% | 1,821 |
| Net charge-offs to loans | 0.0680% | 2,879 |
| Credit loss provision to net charge-offs | 156.9507% | 1,704 |
| Earnings coverage of net charge-offs (x) | -1.2788% | 4,341 |
| Efficiency ratio | 100.3677% | 275 |
| Assets per employee ($millions) | 6.5736% | 1,064 |
| Cash dividends to net income (ytd only)* | 1.2511% | 4,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2060% | 6,089 |
| Loan loss allowance to noncurrent loans | 10.5351% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 1.1357% | 1,928 |
| Noncurrent loans to loans | 1.9550% | 1,080 |
| Net loans and leases to total assets | 44.7327% | 5,243 |
| Net loans and leases to deposits | 48.1875% | 5,478 |
| Net loans and leases to core deposits | 54.4581% | 5,282 |
| Total domestic deposits to total assets | 92.8307% | 51 |
| Equity capital to assets | 6.4978% | 6,094 |
| Core capital (leverage) ratio | 6.9708% | 6,054 |
| Tier 1 risk-based capital ratio | 14.0909% | 3,662 |
| Total risk-based capital ratio | 14.2916% | 4,192 |
| Memoranda: | ||
| Average total assets | $4,790,309,800 | 199 |
| Average earning assets | $4,441,097,800 | 193 |
| Average equity | $305,026,600 | 298 |
| Average total loans | $1,968,868,800 | 290 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8301% | 6,202 |
| Cost of funding earning assets | 0.1394% | 5,856 |
| Net interest margin | 1.6907% | 6,183 |
| Noninterest income to average assets | 1.7061% | 454 |
| Noninterest expense to average assets | 3.7505% | 904 |
| Loan and lease loss provision to assets | 0.0498% | 3,214 |
| Net operating income to assets | -0.2659% | 6,074 |
| Return on assets (ROA) | -0.1090% | 6,030 |
| Pretax return on assets | -0.3731% | 6,107 |
| Return on Equity (ROE) | -1.5845% | 6,046 |
| Retained earnings to average equity (ytd only) | -1.6770% | 5,822 |
| Net charge-offs to loans | 0.0852% | 2,326 |
| Credit loss provision to net charge-offs | 144.6945% | 1,729 |
| Earnings coverage of net charge-offs (x) | -13.9485% | 4,148 |
| Efficiency ratio | 114.0295% | 122 |
| Assets per employee ($millions) | 6.4747% | 1,081 |
| Cash dividends to net income (ytd only)* | -5.8331% | 6,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2164% | 6,171 |
| Loan loss allowance to noncurrent loans | 7.2952% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 1.6327% | 1,352 |
| Noncurrent loans to loans | 2.9668% | 601 |
| Net loans and leases to total assets | 41.0219% | 5,537 |
| Net loans and leases to deposits | 44.0821% | 5,720 |
| Net loans and leases to core deposits | 57.7333% | 5,202 |
| Total domestic deposits to total assets | 93.0581% | 47 |
| Equity capital to assets | 6.3514% | 6,186 |
| Core capital (leverage) ratio | 5.9698% | 6,204 |
| Tier 1 risk-based capital ratio | 13.4655% | 4,157 |
| Total risk-based capital ratio | 13.6671% | 4,725 |
| Memoranda: | ||
| Average total assets | $4,823,672,250 | 199 |
| Average earning assets | $4,464,583,000 | 195 |
| Average equity | $331,783,250 | 284 |
| Average total loans | $1,946,801,500 | 296 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7958% | 6,278 |
| Cost of funding earning assets | 0.1378% | 5,937 |
| Net interest margin | 1.6580% | 6,263 |
| Noninterest income to average assets | 1.8583% | 412 |
| Noninterest expense to average assets | 3.6045% | 1,119 |
| Loan and lease loss provision to assets | 0.0484% | 3,153 |
| Net operating income to assets | -0.1958% | 6,103 |
| Return on assets (ROA) | 0.0877% | 5,932 |
| Pretax return on assets | 0.0266% | 5,996 |
| Return on Equity (ROE) | 1.2447% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.1775% | 5,093 |
| Net charge-offs to loans | 0.0473% | 2,754 |
| Credit loss provision to net charge-offs | 254.8807% | 1,039 |
| Earnings coverage of net charge-offs (x) | -11.1453% | 3,845 |
| Efficiency ratio | 105.6246% | 224 |
| Assets per employee ($millions) | 6.8420% | 892 |
| Cash dividends to net income (ytd only)* | 5.3940% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2311% | 6,238 |
| Loan loss allowance to noncurrent loans | 8.3519% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 1,586 |
| Noncurrent loans to loans | 2.7665% | 761 |
| Net loans and leases to total assets | 40.0366% | 5,628 |
| Net loans and leases to deposits | 43.4463% | 5,786 |
| Net loans and leases to core deposits | 55.9695% | 5,312 |
| Total domestic deposits to total assets | 92.1517% | 112 |
| Equity capital to assets | 7.2344% | 6,158 |
| Core capital (leverage) ratio | 6.8413% | 6,208 |
| Tier 1 risk-based capital ratio | 14.3487% | 3,733 |
| Total risk-based capital ratio | 14.5406% | 4,281 |
| Memoranda: | ||
| Average total assets | $4,860,366,000 | 199 |
| Average earning assets | $4,499,323,670 | 194 |
| Average equity | $342,584,670 | 284 |
| Average total loans | $1,949,802,000 | 290 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7309% | 6,351 |
| Cost of funding earning assets | 0.1300% | 6,061 |
| Net interest margin | 1.6009% | 6,333 |
| Noninterest income to average assets | 1.5782% | 493 |
| Noninterest expense to average assets | 3.4039% | 1,483 |
| Loan and lease loss provision to assets | 0.0538% | 2,865 |
| Net operating income to assets | -0.2992% | 6,189 |
| Return on assets (ROA) | 0.1489% | 5,863 |
| Pretax return on assets | 0.0588% | 5,988 |
| Return on Equity (ROE) | 2.1389% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.0052% | 4,672 |
| Net charge-offs to loans | 0.0123% | 2,944 |
| Credit loss provision to net charge-offs | 1,090.1639% | 317 |
| Earnings coverage of net charge-offs (x) | -68.2623% | 3,277 |
| Efficiency ratio | 110.3255% | 191 |
| Assets per employee ($millions) | 7.3133% | 735 |
| Cash dividends to net income (ytd only)* | 6.2500% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2153% | 6,319 |
| Loan loss allowance to noncurrent loans | 12.8424% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 1.1392% | 2,357 |
| Noncurrent loans to loans | 1.6761% | 1,651 |
| Net loans and leases to total assets | 40.3221% | 5,582 |
| Net loans and leases to deposits | 43.7092% | 5,771 |
| Net loans and leases to core deposits | 56.8606% | 5,195 |
| Total domestic deposits to total assets | 92.2509% | 123 |
| Equity capital to assets | 7.1017% | 6,251 |
| Core capital (leverage) ratio | 6.5066% | 6,296 |
| Tier 1 risk-based capital ratio | 13.5751% | 4,286 |
| Total risk-based capital ratio | 13.7519% | 4,811 |
| Memoranda: | ||
| Average total assets | $4,943,733,500 | 194 |
| Average earning assets | $4,597,608,500 | 187 |
| Average equity | $344,100,000 | 278 |
| Average total loans | $1,982,943,000 | 282 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6054% | 6,446 |
| Cost of funding earning assets | 0.1248% | 6,225 |
| Net interest margin | 1.4805% | 6,433 |
| Noninterest income to average assets | 1.6770% | 455 |
| Noninterest expense to average assets | 2.8712% | 3,238 |
| Loan and lease loss provision to assets | 0.0778% | 2,921 |
| Net operating income to assets | 0.1884% | 5,790 |
| Return on assets (ROA) | -0.3931% | 6,272 |
| Pretax return on assets | -0.4322% | 6,265 |
| Return on Equity (ROE) | -5.5906% | 6,301 |
| Retained earnings to average equity (ytd only) | -5.7683% | 6,212 |
| Net charge-offs to loans | 0.0987% | 3,096 |
| Credit loss provision to net charge-offs | 170.4057% | 1,428 |
| Earnings coverage of net charge-offs (x) | 4.9728% | 3,527 |
| Efficiency ratio | 91.9679% | 704 |
| Assets per employee ($millions) | 7.7667% | 588 |
| Cash dividends to net income (ytd only)* | -3.1773% | 6,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1824% | 6,419 |
| Loan loss allowance to noncurrent loans | 60.5123% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 3,936 |
| Noncurrent loans to loans | 0.3014% | 4,765 |
| Net loans and leases to total assets | 39.7466% | 5,760 |
| Net loans and leases to deposits | 43.0218% | 5,925 |
| Net loans and leases to core deposits | 54.6459% | 5,466 |
| Total domestic deposits to total assets | 92.3870% | 108 |
| Equity capital to assets | 6.8227% | 6,347 |
| Core capital (leverage) ratio | 7.2700% | 6,263 |
| Tier 1 risk-based capital ratio | 11.7011% | 5,548 |
| Total risk-based capital ratio | 11.8347% | 6,012 |
| Memoranda: | ||
| Average total assets | $4,588,171,200 | 197 |
| Average earning assets | $4,404,450,800 | 183 |
| Average equity | $322,574,400 | 279 |
| Average total loans | $2,121,968,200 | 260 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6036% | 6,527 |
| Cost of funding earning assets | 0.1286% | 6,293 |
| Net interest margin | 1.4750% | 6,517 |
| Noninterest income to average assets | 1.7975% | 406 |
| Noninterest expense to average assets | 2.8573% | 3,267 |
| Loan and lease loss provision to assets | 0.1017% | 2,336 |
| Net operating income to assets | 0.2580% | 5,715 |
| Return on assets (ROA) | -0.4891% | 6,362 |
| Pretax return on assets | -0.4807% | 6,351 |
| Return on Equity (ROE) | -6.8995% | 6,405 |
| Retained earnings to average equity (ytd only) | -6.9960% | 6,324 |
| Net charge-offs to loans | 0.0739% | 3,137 |
| Credit loss provision to net charge-offs | 286.4322% | 942 |
| Earnings coverage of net charge-offs (x) | 10.3559% | 2,553 |
| Efficiency ratio | 87.9051% | 1,012 |
| Assets per employee ($millions) | 6.7383% | 895 |
| Cash dividends to net income (ytd only)* | -1.3987% | 6,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2074% | 6,492 |
| Loan loss allowance to noncurrent loans | 13.4448% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 2,299 |
| Noncurrent loans to loans | 1.5426% | 2,101 |
| Net loans and leases to total assets | 49.3661% | 5,069 |
| Net loans and leases to deposits | 54.3269% | 5,360 |
| Net loans and leases to core deposits | 54.4118% | 5,543 |
| Total domestic deposits to total assets | 90.8686% | 398 |
| Equity capital to assets | 8.0104% | 6,129 |
| Core capital (leverage) ratio | 7.5125% | 6,278 |
| Tier 1 risk-based capital ratio | 12.0280% | 5,462 |
| Total risk-based capital ratio | 12.1926% | 5,969 |
| Memoranda: | ||
| Average total assets | $4,482,836,250 | 200 |
| Average earning assets | $4,338,550,750 | 188 |
| Average equity | $317,772,000 | 279 |
| Average total loans | $2,153,773,500 | 254 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7291% | 6,380 |
| Cost of funding earning assets | 0.1430% | 6,308 |
| Net interest margin | 2.5860% | 6,187 |
| Noninterest income to average assets | 1.8968% | 373 |
| Noninterest expense to average assets | 2.9490% | 3,004 |
| Loan and lease loss provision to assets | 1.4415% | 62 |
| Net operating income to assets | 0.0108% | 6,173 |
| Return on assets (ROA) | 0.0256% | 6,187 |
| Pretax return on assets | 0.0306% | 6,173 |
| Return on Equity (ROE) | 0.3762% | 6,169 |
| Retained earnings to average equity (ytd only) | 0.2275% | 5,622 |
| Net charge-offs to loans | 2.2193% | 93 |
| Credit loss provision to net charge-offs | 136.4563% | 1,554 |
| Earnings coverage of net charge-offs (x) | 1.3769% | 3,819 |
| Efficiency ratio | 66.4707% | 4,290 |
| Assets per employee ($millions) | 7.2637% | 709 |
| Cash dividends to net income (ytd only)* | 39.5189% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1300% | 1,122 |
| Loan loss allowance to noncurrent loans | 118.1155% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.5471% | 2,103 |
| Noncurrent loans to loans | 1.8033% | 1,895 |
| Net loans and leases to total assets | 50.1635% | 4,948 |
| Net loans and leases to deposits | 54.9244% | 5,293 |
| Net loans and leases to core deposits | 55.1418% | 5,472 |
| Total domestic deposits to total assets | 91.3319% | 301 |
| Equity capital to assets | 7.4806% | 6,353 |
| Core capital (leverage) ratio | 6.8928% | 6,447 |
| Tier 1 risk-based capital ratio | 11.1670% | 5,977 |
| Total risk-based capital ratio | 12.4228% | 5,913 |
| Memoranda: | ||
| Average total assets | $4,550,839,000 | 199 |
| Average earning assets | $4,411,230,000 | 181 |
| Average equity | $309,445,330 | 282 |
| Average total loans | $2,166,137,330 | 247 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5979% | 6,520 |
| Cost of funding earning assets | 0.1428% | 6,392 |
| Net interest margin | 2.4551% | 6,370 |
| Noninterest income to average assets | 1.8412% | 387 |
| Noninterest expense to average assets | 2.7482% | 3,761 |
| Loan and lease loss provision to assets | 1.4798% | 68 |
| Net operating income to assets | -0.0030% | 6,220 |
| Return on assets (ROA) | 0.0102% | 6,216 |
| Pretax return on assets | 0.0163% | 6,199 |
| Return on Equity (ROE) | 0.1569% | 6,205 |
| Retained earnings to average equity (ytd only) | 0.0053% | 5,543 |
| Net charge-offs to loans | 1.6902% | 176 |
| Credit loss provision to net charge-offs | 190.6756% | 1,081 |
| Earnings coverage of net charge-offs (x) | 1.9011% | 2,995 |
| Efficiency ratio | 64.5604% | 4,767 |
| Assets per employee ($millions) | 8.0042% | 478 |
| Cash dividends to net income (ytd only)* | 96.6387% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0480% | 1,426 |
| Loan loss allowance to noncurrent loans | 103.3838% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.5543% | 2,269 |
| Noncurrent loans to loans | 1.9810% | 1,886 |
| Net loans and leases to total assets | 47.4843% | 5,190 |
| Net loans and leases to deposits | 51.6509% | 5,480 |
| Net loans and leases to core deposits | 51.9193% | 5,621 |
| Total domestic deposits to total assets | 91.9331% | 257 |
| Equity capital to assets | 6.7611% | 6,492 |
| Core capital (leverage) ratio | 6.1859% | 6,563 |
| Tier 1 risk-based capital ratio | 10.8558% | 6,216 |
| Total risk-based capital ratio | 12.1108% | 6,162 |
| Memoranda: | ||
| Average total assets | $4,676,200,000 | 192 |
| Average earning assets | $4,537,852,000 | 178 |
| Average equity | $303,330,000 | 285 |
| Average total loans | $2,147,188,500 | 248 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6930% | 6,549 |
| Cost of funding earning assets | 0.1680% | 6,454 |
| Net interest margin | 2.5251% | 6,352 |
| Noninterest income to average assets | 1.8465% | 445 |
| Noninterest expense to average assets | 2.6001% | 4,460 |
| Loan and lease loss provision to assets | 0.7258% | 311 |
| Net operating income to assets | 0.6342% | 4,101 |
| Return on assets (ROA) | 0.6634% | 4,064 |
| Pretax return on assets | 1.0235% | 3,251 |
| Return on Equity (ROE) | 9.6840% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.4444% | 669 |
| Net charge-offs to loans | 1.2211% | 431 |
| Credit loss provision to net charge-offs | 121.1101% | 1,965 |
| Earnings coverage of net charge-offs (x) | 2.8439% | 4,057 |
| Efficiency ratio | 59.8346% | 5,493 |
| Assets per employee ($millions) | 8.0655% | 456 |
| Cash dividends to net income (ytd only)* | 2.4735% | 4,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 1,823 |
| Loan loss allowance to noncurrent loans | 93.9032% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.4313% | 2,597 |
| Noncurrent loans to loans | 2.0046% | 1,986 |
| Net loans and leases to total assets | 42.5434% | 5,790 |
| Net loans and leases to deposits | 45.8187% | 6,026 |
| Net loans and leases to core deposits | 46.2014% | 6,129 |
| Total domestic deposits to total assets | 92.8516% | 152 |
| Equity capital to assets | 6.2124% | 6,601 |
| Core capital (leverage) ratio | 6.7184% | 6,569 |
| Tier 1 risk-based capital ratio | 11.4049% | 5,961 |
| Total risk-based capital ratio | 12.6583% | 5,896 |
| Memoranda: | ||
| Average total assets | $4,064,706,000 | 204 |
| Average earning assets | $3,956,467,000 | 194 |
| Average equity | $278,460,400 | 296 |
| Average total loans | $1,994,717,200 | 255 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7441% | 6,602 |
| Cost of funding earning assets | 0.1761% | 6,519 |
| Net interest margin | 2.5679% | 6,355 |
| Noninterest income to average assets | 1.9248% | 441 |
| Noninterest expense to average assets | 2.6374% | 4,251 |
| Loan and lease loss provision to assets | 0.7840% | 252 |
| Net operating income to assets | 0.6509% | 4,118 |
| Return on assets (ROA) | 0.6669% | 4,168 |
| Pretax return on assets | 1.0290% | 3,381 |
| Return on Equity (ROE) | 9.4713% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.2046% | 999 |
| Net charge-offs to loans | 1.1337% | 491 |
| Credit loss provision to net charge-offs | 136.1833% | 1,726 |
| Earnings coverage of net charge-offs (x) | 3.1063% | 3,800 |
| Efficiency ratio | 59.0149% | 5,554 |
| Assets per employee ($millions) | 6.7830% | 825 |
| Cash dividends to net income (ytd only)* | 2.8163% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 1,882 |
| Loan loss allowance to noncurrent loans | 79.9751% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.7375% | 2,360 |
| Noncurrent loans to loans | 2.4271% | 1,803 |
| Net loans and leases to total assets | 49.7593% | 5,170 |
| Net loans and leases to deposits | 54.3141% | 5,511 |
| Net loans and leases to core deposits | 163.7146% | 66 |
| Total domestic deposits to total assets | 91.6139% | 338 |
| Equity capital to assets | 7.1747% | 6,499 |
| Core capital (leverage) ratio | 6.8600% | 6,614 |
| Tier 1 risk-based capital ratio | 11.2272% | 6,178 |
| Total risk-based capital ratio | 12.4816% | 6,143 |
| Memoranda: | ||
| Average total assets | $3,911,390,500 | 207 |
| Average earning assets | $3,809,446,750 | 193 |
| Average equity | $275,421,750 | 295 |
| Average total loans | $1,986,309,250 | 252 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7193% | 6,659 |
| Cost of funding earning assets | 0.1780% | 6,577 |
| Net interest margin | 2.5413% | 6,402 |
| Noninterest income to average assets | 2.0154% | 439 |
| Noninterest expense to average assets | 2.5601% | 4,522 |
| Loan and lease loss provision to assets | 0.7712% | 282 |
| Net operating income to assets | 0.7327% | 3,654 |
| Return on assets (ROA) | 0.7552% | 3,687 |
| Pretax return on assets | 1.1975% | 2,685 |
| Return on Equity (ROE) | 10.7941% | 1,885 |
| Retained earnings to average equity (ytd only) | 10.4774% | 748 |
| Net charge-offs to loans | 0.7860% | 797 |
| Credit loss provision to net charge-offs | 193.1496% | 1,229 |
| Earnings coverage of net charge-offs (x) | 4.8428% | 3,023 |
| Efficiency ratio | 56.3995% | 5,914 |
| Assets per employee ($millions) | 6.5151% | 895 |
| Cash dividends to net income (ytd only)* | 2.9342% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 1,852 |
| Loan loss allowance to noncurrent loans | 94.7668% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.2633% | 3,237 |
| Noncurrent loans to loans | 2.1073% | 2,274 |
| Net loans and leases to total assets | 51.1576% | 4,978 |
| Net loans and leases to deposits | 56.1158% | 5,327 |
| Net loans and leases to core deposits | 179.7379% | 51 |
| Total domestic deposits to total assets | 91.1643% | 489 |
| Equity capital to assets | 7.2017% | 6,543 |
| Core capital (leverage) ratio | 6.8158% | 6,655 |
| Tier 1 risk-based capital ratio | 11.2050% | 6,243 |
| Total risk-based capital ratio | 12.4602% | 6,209 |
| Memoranda: | ||
| Average total assets | $3,890,234,330 | 208 |
| Average earning assets | $3,793,628,330 | 192 |
| Average equity | $272,167,670 | 302 |
| Average total loans | $1,976,075,000 | 254 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6649% | 6,749 |
| Cost of funding earning assets | 0.1786% | 6,682 |
| Net interest margin | 2.4863% | 6,523 |
| Noninterest income to average assets | 1.8717% | 475 |
| Noninterest expense to average assets | 2.4352% | 4,996 |
| Loan and lease loss provision to assets | 0.5636% | 463 |
| Net operating income to assets | 0.8162% | 3,074 |
| Return on assets (ROA) | 0.8298% | 3,150 |
| Pretax return on assets | 1.3220% | 2,154 |
| Return on Equity (ROE) | 12.0357% | 1,415 |
| Retained earnings to average equity (ytd only) | 11.7147% | 741 |
| Net charge-offs to loans | 0.7480% | 813 |
| Credit loss provision to net charge-offs | 150.3965% | 1,362 |
| Earnings coverage of net charge-offs (x) | 4.9751% | 2,431 |
| Efficiency ratio | 56.0428% | 6,061 |
| Assets per employee ($millions) | 7.2677% | 679 |
| Cash dividends to net income (ytd only)* | 2.6673% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 2,812 |
| Loan loss allowance to noncurrent loans | 98.6678% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 3,994 |
| Noncurrent loans to loans | 1.7701% | 2,912 |
| Net loans and leases to total assets | 47.6224% | 5,266 |
| Net loans and leases to deposits | 51.8497% | 5,635 |
| Net loans and leases to core deposits | 180.8484% | 51 |
| Total domestic deposits to total assets | 91.8471% | 274 |
| Equity capital to assets | 6.8028% | 6,749 |
| Core capital (leverage) ratio | 6.3635% | 6,765 |
| Tier 1 risk-based capital ratio | 11.9818% | 5,927 |
| Total risk-based capital ratio | 13.2360% | 5,886 |
| Memoranda: | ||
| Average total assets | $3,903,611,500 | 211 |
| Average earning assets | $3,811,842,000 | 195 |
| Average equity | $269,133,000 | 307 |
| Average total loans | $1,955,743,500 | 258 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9546% | 6,791 |
| Cost of funding earning assets | 0.2545% | 6,654 |
| Net interest margin | 2.7001% | 6,520 |
| Noninterest income to average assets | 1.3635% | 839 |
| Noninterest expense to average assets | 2.5293% | 4,994 |
| Loan and lease loss provision to assets | 0.6581% | 807 |
| Net operating income to assets | 0.5231% | 4,586 |
| Return on assets (ROA) | 0.5307% | 4,829 |
| Pretax return on assets | 0.7833% | 4,355 |
| Return on Equity (ROE) | 7.4974% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.2268% | 1,457 |
| Net charge-offs to loans | 1.0447% | 1,029 |
| Credit loss provision to net charge-offs | 118.3064% | 2,426 |
| Earnings coverage of net charge-offs (x) | 2.5711% | 4,132 |
| Efficiency ratio | 63.1370% | 5,051 |
| Assets per employee ($millions) | 7.4174% | 651 |
| Cash dividends to net income (ytd only)* | 3.6091% | 4,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7261% | 2,831 |
| Loan loss allowance to noncurrent loans | 111.5274% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 4,199 |
| Noncurrent loans to loans | 1.5476% | 3,297 |
| Net loans and leases to total assets | 51.0288% | 5,030 |
| Net loans and leases to deposits | 55.3696% | 5,504 |
| Net loans and leases to core deposits | 158.3516% | 86 |
| Total domestic deposits to total assets | 92.1603% | 217 |
| Equity capital to assets | 6.9969% | 6,773 |
| Core capital (leverage) ratio | 7.2491% | 6,613 |
| Tier 1 risk-based capital ratio | 11.9053% | 5,837 |
| Total risk-based capital ratio | 13.1601% | 5,799 |
| Memoranda: | ||
| Average total assets | $3,409,476,400 | 228 |
| Average earning assets | $3,278,120,400 | 211 |
| Average equity | $241,325,000 | 320 |
| Average total loans | $1,815,432,800 | 264 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0082% | 6,899 |
| Cost of funding earning assets | 0.2784% | 6,705 |
| Net interest margin | 2.7298% | 6,605 |
| Noninterest income to average assets | 1.2608% | 941 |
| Noninterest expense to average assets | 2.5392% | 4,961 |
| Loan and lease loss provision to assets | 0.6006% | 922 |
| Net operating income to assets | 0.4772% | 4,922 |
| Return on assets (ROA) | 0.4746% | 5,198 |
| Pretax return on assets | 0.7319% | 4,740 |
| Return on Equity (ROE) | 6.6847% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.4402% | 2,409 |
| Net charge-offs to loans | 0.8595% | 1,279 |
| Credit loss provision to net charge-offs | 130.3448% | 2,211 |
| Earnings coverage of net charge-offs (x) | 2.9003% | 3,875 |
| Efficiency ratio | 64.7445% | 4,667 |
| Assets per employee ($millions) | 6.5728% | 918 |
| Cash dividends to net income (ytd only)* | 3.6583% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 2,881 |
| Loan loss allowance to noncurrent loans | 109.0912% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 4,143 |
| Noncurrent loans to loans | 1.6255% | 3,357 |
| Net loans and leases to total assets | 58.9234% | 3,969 |
| Net loans and leases to deposits | 64.7960% | 4,618 |
| Net loans and leases to core deposits | 208.5588% | 53 |
| Total domestic deposits to total assets | 90.9368% | 431 |
| Equity capital to assets | 8.1135% | 6,538 |
| Core capital (leverage) ratio | 7.5809% | 6,576 |
| Tier 1 risk-based capital ratio | 11.9815% | 5,942 |
| Total risk-based capital ratio | 13.2371% | 5,931 |
| Memoranda: | ||
| Average total assets | $3,340,231,250 | 232 |
| Average earning assets | $3,199,522,750 | 216 |
| Average equity | $237,171,500 | 323 |
| Average total loans | $1,790,742,250 | 266 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9369% | 6,999 |
| Cost of funding earning assets | 0.2903% | 6,765 |
| Net interest margin | 2.6466% | 6,777 |
| Noninterest income to average assets | 1.2287% | 946 |
| Noninterest expense to average assets | 2.4453% | 5,311 |
| Loan and lease loss provision to assets | 0.5564% | 1,103 |
| Net operating income to assets | 0.4809% | 4,905 |
| Return on assets (ROA) | 0.4762% | 5,176 |
| Pretax return on assets | 0.7422% | 4,696 |
| Return on Equity (ROE) | 7.0102% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.8224% | 2,206 |
| Net charge-offs to loans | 0.8951% | 1,227 |
| Credit loss provision to net charge-offs | 120.2809% | 2,284 |
| Earnings coverage of net charge-offs (x) | 2.8233% | 3,615 |
| Efficiency ratio | 64.4055% | 4,815 |
| Assets per employee ($millions) | 7.0071% | 726 |
| Cash dividends to net income (ytd only)* | 2.6791% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 3,116 |
| Loan loss allowance to noncurrent loans | 111.6440% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.0438% | 4,295 |
| Noncurrent loans to loans | 1.5474% | 3,589 |
| Net loans and leases to total assets | 56.3582% | 4,412 |
| Net loans and leases to deposits | 61.8309% | 5,021 |
| Net loans and leases to core deposits | 211.8914% | 50 |
| Total domestic deposits to total assets | 91.1491% | 407 |
| Equity capital to assets | 7.8468% | 6,653 |
| Core capital (leverage) ratio | 6.7638% | 6,873 |
| Tier 1 risk-based capital ratio | 12.1370% | 5,840 |
| Total risk-based capital ratio | 13.3921% | 5,815 |
| Memoranda: | ||
| Average total assets | $3,417,330,330 | 228 |
| Average earning assets | $3,257,221,330 | 215 |
| Average equity | $232,147,330 | 328 |
| Average total loans | $1,766,002,330 | 266 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8477% | 7,096 |
| Cost of funding earning assets | 0.2787% | 6,910 |
| Net interest margin | 2.5690% | 6,895 |
| Noninterest income to average assets | 1.2206% | 964 |
| Noninterest expense to average assets | 2.3339% | 5,681 |
| Loan and lease loss provision to assets | 0.5877% | 977 |
| Net operating income to assets | 0.4645% | 4,980 |
| Return on assets (ROA) | 0.4645% | 5,178 |
| Pretax return on assets | 0.7246% | 4,710 |
| Return on Equity (ROE) | 7.3422% | 3,585 |
| Retained earnings to average equity (ytd only) | 7.3422% | 2,260 |
| Net charge-offs to loans | 0.7529% | 1,356 |
| Credit loss provision to net charge-offs | 158.7591% | 1,595 |
| Earnings coverage of net charge-offs (x) | 3.5450% | 2,803 |
| Efficiency ratio | 63.2372% | 5,061 |
| Assets per employee ($millions) | 8.9521% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 2,992 |
| Loan loss allowance to noncurrent loans | 126.7912% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 4,959 |
| Noncurrent loans to loans | 1.4206% | 3,980 |
| Net loans and leases to total assets | 41.8863% | 6,204 |
| Net loans and leases to deposits | 44.9723% | 6,494 |
| Net loans and leases to core deposits | 195.2197% | 54 |
| Total domestic deposits to total assets | 93.1379% | 136 |
| Equity capital to assets | 5.9234% | 7,082 |
| Core capital (leverage) ratio | 5.4156% | 7,086 |
| Tier 1 risk-based capital ratio | 12.2898% | 5,766 |
| Total risk-based capital ratio | 13.5460% | 5,721 |
| Memoranda: | ||
| Average total assets | $3,552,897,500 | 224 |
| Average earning assets | $3,354,467,500 | 206 |
| Average equity | $224,782,500 | 330 |
| Average total loans | $1,746,847,500 | 266 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 7,016 |
| Cost of funding earning assets | 0.4073% | 6,868 |
| Net interest margin | 3.0530% | 6,442 |
| Noninterest income to average assets | 1.0400% | 1,254 |
| Noninterest expense to average assets | 2.5525% | 5,279 |
| Loan and lease loss provision to assets | 0.7634% | 1,311 |
| Net operating income to assets | 0.3326% | 5,140 |
| Return on assets (ROA) | 0.3489% | 5,232 |
| Pretax return on assets | 0.5192% | 4,936 |
| Return on Equity (ROE) | 4.9702% | 4,401 |
| Retained earnings to average equity (ytd only) | 4.9702% | 2,662 |
| Net charge-offs to loans | 0.9526% | 1,815 |
| Credit loss provision to net charge-offs | 134.4213% | 2,242 |
| Earnings coverage of net charge-offs (x) | 2.2157% | 4,119 |
| Efficiency ratio | 66.0476% | 4,763 |
| Assets per employee ($millions) | 7.0227% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 3,221 |
| Loan loss allowance to noncurrent loans | 136.3335% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 4,666 |
| Noncurrent loans to loans | 1.2430% | 4,289 |
| Net loans and leases to total assets | 57.0665% | 4,534 |
| Net loans and leases to deposits | 62.2417% | 5,210 |
| Net loans and leases to core deposits | 204.0499% | 59 |
| Total domestic deposits to total assets | 91.6853% | 287 |
| Equity capital to assets | 6.8770% | 6,990 |
| Core capital (leverage) ratio | 6.1292% | 7,043 |
| Tier 1 risk-based capital ratio | 10.3448% | 6,756 |
| Total risk-based capital ratio | 11.5997% | 6,727 |
| Memoranda: | ||
| Average total assets | $2,816,086,800 | 255 |
| Average earning assets | $2,555,866,200 | 252 |
| Average equity | $197,659,200 | 356 |
| Average total loans | $1,678,917,000 | 271 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 7,088 |
| Cost of funding earning assets | 0.4182% | 6,966 |
| Net interest margin | 3.0725% | 6,443 |
| Noninterest income to average assets | 1.0133% | 1,310 |
| Noninterest expense to average assets | 2.5360% | 5,330 |
| Loan and lease loss provision to assets | 0.8020% | 1,162 |
| Net operating income to assets | 0.2858% | 5,444 |
| Return on assets (ROA) | 0.3032% | 5,558 |
| Pretax return on assets | 0.4615% | 5,283 |
| Return on Equity (ROE) | 4.2961% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.2961% | 3,672 |
| Net charge-offs to loans | 1.0463% | 1,523 |
| Credit loss provision to net charge-offs | 127.6560% | 2,502 |
| Earnings coverage of net charge-offs (x) | 1.9692% | 4,176 |
| Efficiency ratio | 66.2548% | 4,677 |
| Assets per employee ($millions) | 8.0669% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 3,600 |
| Loan loss allowance to noncurrent loans | 121.6254% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8608% | 5,028 |
| Noncurrent loans to loans | 1.3261% | 4,319 |
| Net loans and leases to total assets | 49.8209% | 5,724 |
| Net loans and leases to deposits | 53.6317% | 6,241 |
| Net loans and leases to core deposits | 213.1454% | 60 |
| Total domestic deposits to total assets | 92.8946% | 137 |
| Equity capital to assets | 6.0015% | 7,185 |
| Core capital (leverage) ratio | 6.7646% | 7,019 |
| Tier 1 risk-based capital ratio | 10.5195% | 6,770 |
| Total risk-based capital ratio | 11.7734% | 6,755 |
| Memoranda: | ||
| Average total assets | $2,768,677,500 | 258 |
| Average earning assets | $2,486,963,000 | 256 |
| Average equity | $195,398,250 | 363 |
| Average total loans | $1,662,439,250 | 271 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 7,022 |
| Cost of funding earning assets | 0.4816% | 6,909 |
| Net interest margin | 3.2092% | 6,134 |
| Noninterest income to average assets | 1.1392% | 1,000 |
| Noninterest expense to average assets | 2.7104% | 4,779 |
| Loan and lease loss provision to assets | 0.9082% | 984 |
| Net operating income to assets | 0.2636% | 5,501 |
| Return on assets (ROA) | 0.2908% | 5,542 |
| Pretax return on assets | 0.4410% | 5,260 |
| Return on Equity (ROE) | 3.8661% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.8661% | 3,741 |
| Net charge-offs to loans | 0.9744% | 1,612 |
| Credit loss provision to net charge-offs | 145.2015% | 2,111 |
| Earnings coverage of net charge-offs (x) | 2.0912% | 3,807 |
| Efficiency ratio | 66.4782% | 4,780 |
| Assets per employee ($millions) | 6.4423% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 3,498 |
| Loan loss allowance to noncurrent loans | 115.7255% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1251% | 4,646 |
| Noncurrent loans to loans | 1.4251% | 4,281 |
| Net loans and leases to total assets | 67.0870% | 2,807 |
| Net loans and leases to deposits | 73.8215% | 3,831 |
| Net loans and leases to core deposits | 211.5989% | 66 |
| Total domestic deposits to total assets | 90.8773% | 550 |
| Equity capital to assets | 8.0066% | 6,680 |
| Core capital (leverage) ratio | 6.8912% | 7,034 |
| Tier 1 risk-based capital ratio | 10.4121% | 6,821 |
| Total risk-based capital ratio | 11.6665% | 6,817 |
| Memoranda: | ||
| Average total assets | $2,562,207,330 | 278 |
| Average earning assets | $2,298,740,330 | 273 |
| Average equity | $192,752,670 | 368 |
| Average total loans | $1,644,703,000 | 282 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5937% | 7,145 |
| Cost of funding earning assets | 0.4481% | 7,115 |
| Net interest margin | 3.1456% | 6,230 |
| Noninterest income to average assets | 1.1892% | 911 |
| Noninterest expense to average assets | 2.6096% | 5,185 |
| Loan and lease loss provision to assets | 0.7152% | 1,184 |
| Net operating income to assets | 0.4471% | 4,733 |
| Return on assets (ROA) | 0.4397% | 4,849 |
| Pretax return on assets | 0.6718% | 4,409 |
| Return on Equity (ROE) | 6.0270% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.0270% | 2,621 |
| Net charge-offs to loans | 0.7208% | 1,775 |
| Credit loss provision to net charge-offs | 159.2908% | 1,801 |
| Earnings coverage of net charge-offs (x) | 3.1146% | 2,850 |
| Efficiency ratio | 64.1534% | 5,341 |
| Assets per employee ($millions) | 7.1911% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 3,834 |
| Loan loss allowance to noncurrent loans | 149.5248% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 5,476 |
| Noncurrent loans to loans | 1.0546% | 4,945 |
| Net loans and leases to total assets | 56.8401% | 4,838 |
| Net loans and leases to deposits | 61.7929% | 5,525 |
| Net loans and leases to core deposits | 187.6524% | 85 |
| Total domestic deposits to total assets | 91.9849% | 291 |
| Equity capital to assets | 6.7969% | 7,140 |
| Core capital (leverage) ratio | 5.9984% | 7,249 |
| Tier 1 risk-based capital ratio | 10.6872% | 6,695 |
| Total risk-based capital ratio | 11.9409% | 6,682 |
| Memoranda: | ||
| Average total assets | $2,612,838,000 | 276 |
| Average earning assets | $2,341,407,000 | 274 |
| Average equity | $190,610,500 | 372 |
| Average total loans | $1,627,724,500 | 285 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 7,108 |
| Cost of funding earning assets | 0.6250% | 7,070 |
| Net interest margin | 3.4097% | 5,591 |
| Noninterest income to average assets | 0.8629% | 2,003 |
| Noninterest expense to average assets | 2.7480% | 4,790 |
| Loan and lease loss provision to assets | 0.8534% | 1,919 |
| Net operating income to assets | 0.2397% | 5,140 |
| Return on assets (ROA) | 0.2715% | 5,192 |
| Pretax return on assets | 0.4026% | 4,937 |
| Return on Equity (ROE) | 3.2648% | 4,838 |
| Retained earnings to average equity (ytd only) | 3.2648% | 3,582 |
| Net charge-offs to loans | 0.9153% | 2,352 |
| Credit loss provision to net charge-offs | 134.4323% | 2,904 |
| Earnings coverage of net charge-offs (x) | 1.9037% | 4,298 |
| Efficiency ratio | 68.3352% | 4,496 |
| Assets per employee ($millions) | 6.9344% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 4,085 |
| Loan loss allowance to noncurrent loans | 137.3694% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 5,356 |
| Noncurrent loans to loans | 1.0818% | 4,928 |
| Net loans and leases to total assets | 66.6757% | 3,309 |
| Net loans and leases to deposits | 78.0227% | 3,507 |
| Net loans and leases to core deposits | 234.5389% | 66 |
| Total domestic deposits to total assets | 85.4567% | 3,625 |
| Equity capital to assets | 7.8852% | 6,599 |
| Core capital (leverage) ratio | 7.3887% | 6,796 |
| Tier 1 risk-based capital ratio | 10.5970% | 6,637 |
| Total risk-based capital ratio | 11.8497% | 6,606 |
| Memoranda: | ||
| Average total assets | $2,260,043,400 | 313 |
| Average earning assets | $2,050,507,200 | 308 |
| Average equity | $187,941,800 | 373 |
| Average total loans | $1,567,528,000 | 301 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 7,266 |
| Cost of funding earning assets | 0.6579% | 7,160 |
| Net interest margin | 3.3737% | 5,772 |
| Noninterest income to average assets | 0.8460% | 2,015 |
| Noninterest expense to average assets | 2.7256% | 4,773 |
| Loan and lease loss provision to assets | 0.9026% | 1,680 |
| Net operating income to assets | 0.1928% | 5,530 |
| Return on assets (ROA) | 0.2370% | 5,564 |
| Pretax return on assets | 0.3506% | 5,365 |
| Return on Equity (ROE) | 2.8105% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.8105% | 4,464 |
| Net charge-offs to loans | 1.0635% | 1,909 |
| Credit loss provision to net charge-offs | 121.5726% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1.6004% | 4,518 |
| Efficiency ratio | 68.4942% | 4,376 |
| Assets per employee ($millions) | 7.7225% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 4,621 |
| Loan loss allowance to noncurrent loans | 90.8553% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 5,286 |
| Noncurrent loans to loans | 1.5084% | 4,373 |
| Net loans and leases to total assets | 59.0507% | 5,098 |
| Net loans and leases to deposits | 64.2158% | 5,889 |
| Net loans and leases to core deposits | 144.2339% | 223 |
| Total domestic deposits to total assets | 91.9566% | 200 |
| Equity capital to assets | 7.1992% | 7,264 |
| Core capital (leverage) ratio | 7.6633% | 6,713 |
| Tier 1 risk-based capital ratio | 10.8476% | 6,508 |
| Total risk-based capital ratio | 12.0989% | 6,485 |
| Memoranda: | ||
| Average total assets | $2,226,960,500 | 314 |
| Average earning assets | $2,024,927,500 | 310 |
| Average equity | $187,766,500 | 369 |
| Average total loans | $1,554,611,250 | 303 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 7,093 |
| Cost of funding earning assets | 0.7102% | 7,169 |
| Net interest margin | 3.5593% | 5,006 |
| Noninterest income to average assets | 0.8862% | 1,740 |
| Noninterest expense to average assets | 2.8391% | 4,319 |
| Loan and lease loss provision to assets | 0.9554% | 1,536 |
| Net operating income to assets | 0.2168% | 5,502 |
| Return on assets (ROA) | 0.2940% | 5,354 |
| Pretax return on assets | 0.4469% | 5,072 |
| Return on Equity (ROE) | 3.2829% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.2829% | 4,011 |
| Net charge-offs to loans | 0.8740% | 2,084 |
| Credit loss provision to net charge-offs | 147.6636% | 2,674 |
| Earnings coverage of net charge-offs (x) | 1.9865% | 4,038 |
| Efficiency ratio | 67.6735% | 4,638 |
| Assets per employee ($millions) | 6.0082% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 4,347 |
| Loan loss allowance to noncurrent loans | 77.7662% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3759% | 4,419 |
| Noncurrent loans to loans | 1.8219% | 3,973 |
| Net loans and leases to total assets | 73.2798% | 2,087 |
| Net loans and leases to deposits | 81.4954% | 3,339 |
| Net loans and leases to core deposits | 108.5440% | 1,261 |
| Total domestic deposits to total assets | 89.9190% | 953 |
| Equity capital to assets | 8.8998% | 5,601 |
| Core capital (leverage) ratio | 8.2835% | 5,799 |
| Tier 1 risk-based capital ratio | 10.9198% | 6,320 |
| Total risk-based capital ratio | 12.1718% | 6,307 |
| Memoranda: | ||
| Average total assets | $2,083,764,670 | 334 |
| Average earning assets | $1,895,745,000 | 328 |
| Average equity | $186,605,000 | 370 |
| Average total loans | $1,542,646,000 | 308 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 7,162 |
| Cost of funding earning assets | 0.7242% | 7,285 |
| Net interest margin | 3.5552% | 4,924 |
| Noninterest income to average assets | 1.1519% | 935 |
| Noninterest expense to average assets | 3.0060% | 3,660 |
| Loan and lease loss provision to assets | 0.8034% | 1,574 |
| Net operating income to assets | 0.3630% | 5,008 |
| Return on assets (ROA) | 0.4559% | 4,716 |
| Pretax return on assets | 0.7093% | 4,200 |
| Return on Equity (ROE) | 5.0752% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.0752% | 3,120 |
| Net charge-offs to loans | 0.7640% | 1,979 |
| Credit loss provision to net charge-offs | 142.3473% | 2,502 |
| Earnings coverage of net charge-offs (x) | 2.4228% | 3,332 |
| Efficiency ratio | 67.6262% | 4,795 |
| Assets per employee ($millions) | 6.2192% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 4,764 |
| Loan loss allowance to noncurrent loans | 92.8102% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.0807% | 4,985 |
| Noncurrent loans to loans | 1.4358% | 4,583 |
| Net loans and leases to total assets | 72.1334% | 2,417 |
| Net loans and leases to deposits | 79.8357% | 3,689 |
| Net loans and leases to core deposits | 90.9640% | 3,234 |
| Total domestic deposits to total assets | 90.3523% | 802 |
| Equity capital to assets | 8.9417% | 5,364 |
| Core capital (leverage) ratio | 7.4051% | 6,930 |
| Tier 1 risk-based capital ratio | 11.2334% | 5,919 |
| Total risk-based capital ratio | 12.4844% | 5,875 |
| Memoranda: | ||
| Average total assets | $2,065,199,000 | 344 |
| Average earning assets | $1,871,377,000 | 340 |
| Average equity | $185,530,000 | 374 |
| Average total loans | $1,525,706,500 | 319 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 7,128 |
| Cost of funding earning assets | 0.9053% | 7,396 |
| Net interest margin | 3.8023% | 3,699 |
| Noninterest income to average assets | 0.8181% | 2,317 |
| Noninterest expense to average assets | 3.1080% | 3,702 |
| Loan and lease loss provision to assets | 0.6942% | 3,045 |
| Net operating income to assets | 0.3039% | 4,523 |
| Return on assets (ROA) | 0.2651% | 4,745 |
| Pretax return on assets | 0.4061% | 4,483 |
| Return on Equity (ROE) | 2.7321% | 4,613 |
| Retained earnings to average equity (ytd only) | 2.7321% | 3,242 |
| Net charge-offs to loans | 0.7575% | 2,927 |
| Credit loss provision to net charge-offs | 115.6789% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.9331% | 4,274 |
| Efficiency ratio | 71.5682% | 4,340 |
| Assets per employee ($millions) | 5.8642% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 5,024 |
| Loan loss allowance to noncurrent loans | 75.6897% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.2605% | 4,565 |
| Noncurrent loans to loans | 1.6581% | 4,160 |
| Net loans and leases to total assets | 73.7277% | 2,330 |
| Net loans and leases to deposits | 87.1505% | 2,709 |
| Net loans and leases to core deposits | 87.9310% | 5,339 |
| Total domestic deposits to total assets | 84.5982% | 3,759 |
| Equity capital to assets | 9.0265% | 5,099 |
| Core capital (leverage) ratio | 8.7819% | 4,793 |
| Tier 1 risk-based capital ratio | 10.9719% | 5,936 |
| Total risk-based capital ratio | 12.2221% | 5,909 |
| Memoranda: | ||
| Average total assets | $1,872,730,800 | 375 |
| Average earning assets | $1,699,171,400 | 383 |
| Average equity | $181,692,600 | 377 |
| Average total loans | $1,483,545,000 | 339 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 7,182 |
| Cost of funding earning assets | 0.9576% | 7,471 |
| Net interest margin | 3.8051% | 3,635 |
| Noninterest income to average assets | 0.8022% | 2,422 |
| Noninterest expense to average assets | 3.1303% | 3,536 |
| Loan and lease loss provision to assets | 0.6555% | 2,788 |
| Net operating income to assets | 0.3116% | 4,754 |
| Return on assets (ROA) | 0.3433% | 4,722 |
| Pretax return on assets | 0.5278% | 4,433 |
| Return on Equity (ROE) | 3.4713% | 4,591 |
| Retained earnings to average equity (ytd only) | 3.4713% | 3,355 |
| Net charge-offs to loans | 0.7171% | 2,557 |
| Credit loss provision to net charge-offs | 113.5647% | 4,476 |
| Earnings coverage of net charge-offs (x) | 1.9656% | 4,341 |
| Efficiency ratio | 73.3995% | 3,978 |
| Assets per employee ($millions) | 5.6469% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 5,013 |
| Loan loss allowance to noncurrent loans | 68.8219% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.3141% | 4,453 |
| Noncurrent loans to loans | 1.7704% | 3,963 |
| Net loans and leases to total assets | 73.3227% | 2,705 |
| Net loans and leases to deposits | 80.8636% | 4,230 |
| Net loans and leases to core deposits | 81.7349% | 6,208 |
| Total domestic deposits to total assets | 90.6746% | 527 |
| Equity capital to assets | 9.0662% | 5,388 |
| Core capital (leverage) ratio | 9.0882% | 4,515 |
| Tier 1 risk-based capital ratio | 10.7887% | 6,173 |
| Total risk-based capital ratio | 11.9778% | 6,189 |
| Memoranda: | ||
| Average total assets | $1,830,726,000 | 400 |
| Average earning assets | $1,665,915,750 | 398 |
| Average equity | $181,063,500 | 385 |
| Average total loans | $1,473,500,750 | 358 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 6,977 |
| Cost of funding earning assets | 1.0151% | 7,521 |
| Net interest margin | 3.9097% | 3,063 |
| Noninterest income to average assets | 0.7832% | 2,496 |
| Noninterest expense to average assets | 3.3019% | 2,950 |
| Loan and lease loss provision to assets | 0.6245% | 2,557 |
| Net operating income to assets | 0.2617% | 5,042 |
| Return on assets (ROA) | 0.3104% | 4,962 |
| Pretax return on assets | 0.4921% | 4,647 |
| Return on Equity (ROE) | 3.0409% | 4,886 |
| Retained earnings to average equity (ytd only) | 3.0409% | 3,628 |
| Net charge-offs to loans | 0.6786% | 2,343 |
| Credit loss provision to net charge-offs | 110.9990% | 4,168 |
| Earnings coverage of net charge-offs (x) | 1.8494% | 4,184 |
| Efficiency ratio | 76.0387% | 3,683 |
| Assets per employee ($millions) | 5.5076% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 4,774 |
| Loan loss allowance to noncurrent loans | 58.7178% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.7633% | 3,530 |
| Noncurrent loans to loans | 2.0887% | 3,400 |
| Net loans and leases to total assets | 83.3859% | 728 |
| Net loans and leases to deposits | 95.9209% | 1,809 |
| Net loans and leases to core deposits | 97.1295% | 4,769 |
| Total domestic deposits to total assets | 86.9319% | 2,287 |
| Equity capital to assets | 10.4609% | 3,454 |
| Core capital (leverage) ratio | 9.5683% | 3,789 |
| Tier 1 risk-based capital ratio | 11.2870% | 5,609 |
| Total risk-based capital ratio | 12.5115% | 5,545 |
| Memoranda: | ||
| Average total assets | $1,761,462,330 | 424 |
| Average earning assets | $1,603,549,670 | 419 |
| Average equity | $179,812,670 | 395 |
| Average total loans | $1,460,290,330 | 371 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 7,288 |
| Cost of funding earning assets | 1.0659% | 7,573 |
| Net interest margin | 3.7845% | 3,516 |
| Noninterest income to average assets | 0.9674% | 1,580 |
| Noninterest expense to average assets | 3.1872% | 3,045 |
| Loan and lease loss provision to assets | 0.6751% | 1,873 |
| Net operating income to assets | 0.3180% | 5,229 |
| Return on assets (ROA) | 0.3180% | 5,396 |
| Pretax return on assets | 0.5144% | 5,043 |
| Return on Equity (ROE) | 3.1529% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.1529% | 4,119 |
| Net charge-offs to loans | 0.3791% | 2,576 |
| Credit loss provision to net charge-offs | 216.7630% | 2,082 |
| Earnings coverage of net charge-offs (x) | 3.8194% | 3,054 |
| Efficiency ratio | 72.8212% | 4,033 |
| Assets per employee ($millions) | 5.7487% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 4,131 |
| Loan loss allowance to noncurrent loans | 74.9753% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.6948% | 3,385 |
| Noncurrent loans to loans | 1.7200% | 3,682 |
| Net loans and leases to total assets | 82.3061% | 969 |
| Net loans and leases to deposits | 97.1263% | 1,784 |
| Net loans and leases to core deposits | 98.4310% | 4,702 |
| Total domestic deposits to total assets | 84.7413% | 3,334 |
| Equity capital to assets | 10.2005% | 3,767 |
| Core capital (leverage) ratio | 9.1257% | 4,510 |
| Tier 1 risk-based capital ratio | 10.8525% | 6,038 |
| Total risk-based capital ratio | 12.0959% | 5,950 |
| Memoranda: | ||
| Average total assets | $1,777,503,500 | 419 |
| Average earning assets | $1,601,280,000 | 420 |
| Average equity | $179,264,500 | 396 |
| Average total loans | $1,460,453,000 | 372 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1280% | 4,908 |
| Cost of funding earning assets | 2.5231% | 4,082 |
| Net interest margin | 3.6049% | 4,866 |
| Noninterest income to average assets | 0.8450% | 2,262 |
| Noninterest expense to average assets | 5.8701% | 421 |
| Loan and lease loss provision to assets | 0.7390% | 2,008 |
| Net operating income to assets | -1.6454% | 7,519 |
| Return on assets (ROA) | -2.4330% | 7,660 |
| Pretax return on assets | -3.6338% | 7,831 |
| Return on Equity (ROE) | -21.2510% | 7,785 |
| Retained earnings to average equity (ytd only) | -21.2510% | 7,711 |
| Net charge-offs to loans | 0.3839% | 2,908 |
| Credit loss provision to net charge-offs | 232.6880% | 2,046 |
| Earnings coverage of net charge-offs (x) | -5.4136% | 6,844 |
| Efficiency ratio | 67.5193% | 4,812 |
| Assets per employee ($millions) | 5.8694% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 4,547 |
| Loan loss allowance to noncurrent loans | 135.8026% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9711% | 4,407 |
| Noncurrent loans to loans | 0.8821% | 4,854 |
| Net loans and leases to total assets | 79.9924% | 1,666 |
| Net loans and leases to deposits | 93.0094% | 2,954 |
| Net loans and leases to core deposits | 94.2989% | 5,424 |
| Total domestic deposits to total assets | 86.0046% | 2,397 |
| Equity capital to assets | 9.9715% | 4,071 |
| Core capital (leverage) ratio | 9.2384% | 4,380 |
| Tier 1 risk-based capital ratio | 10.7542% | 5,955 |
| Total risk-based capital ratio | 11.9081% | 5,945 |
| Memoranda: | ||
| Average total assets | $1,691,567,200 | 421 |
| Average earning assets | $1,551,266,800 | 413 |
| Average equity | $193,666,400 | 381 |
| Average total loans | $1,399,196,800 | 376 |