Home > The Canandaigua National Bank and Trust Company > Performance and Condition Ratios
The Canandaigua National Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 2,646 |
| Cost of funding earning assets | 1.7774% | 1,285 |
| Net interest margin | 2.9365% | 3,416 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 2.4086% | 2,566 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.9628% | 2,329 |
| Return on assets (ROA) | 0.9644% | 2,310 |
| Pretax return on assets | 1.2690% | 1,960 |
| Return on Equity (ROE) | 13.0200% | 1,724 |
| Retained earnings to average equity (ytd only) | 6.8364% | 1,942 |
| Net charge-offs to loans | 0.1561% | 666 |
| Credit loss provision to net charge-offs | 137.8021% | 1,544 |
| Earnings coverage of net charge-offs (x) | 12.2092% | 2,159 |
| Efficiency ratio | 62.8237% | 2,752 |
| Assets per employee ($millions) | 7.7596% | 1,560 |
| Cash dividends to net income (ytd only)* | 47.4909% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 3,478 |
| Loan loss allowance to noncurrent loans | 248.3366% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 1,758 |
| Noncurrent loans to loans | 0.3878% | 1,821 |
| Net loans and leases to total assets | 75.3100% | 1,203 |
| Net loans and leases to deposits | 101.9723% | 436 |
| Net loans and leases to core deposits | 120.1222% | 621 |
| Total domestic deposits to total assets | 73.8500% | 4,115 |
| Equity capital to assets | 7.8024% | 3,542 |
| Core capital (leverage) ratio | 8.2566% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0454% | 2,569 |
| Memoranda: | ||
| Average total assets | $4,856,078,600 | 280 |
| Average earning assets | $4,660,625,400 | 266 |
| Average equity | $359,691,600 | 339 |
| Average total loans | $3,630,543,000 | 260 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 635,697.0000% | 2 |
| Cost of funding earning assets | 5,195.0000% | 1 |
| Net interest margin | 105.0000% | 2 |
| Noninterest income to average assets | 0.0016% | 4,554 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.9834% | 2,406 |
| Pretax return on assets | 1.3020% | 2,039 |
| Return on Equity (ROE) | 13.4600% | 1,808 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0381% | 1,344 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 16.2545% | 4,561 |
| Assets per employee ($millions) | 0.0095% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 523 |
| Noncurrent loans to loans | 0.0012% | 3,823 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 48,743.0000% | 3 |
| Equity capital to assets | 360,276.0000% | 2 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $96,876,000 | 3,870 |
| Average earning assets | $2,738 | 4,611 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 2,726 |
| Cost of funding earning assets | 1.3180% | 1,192 |
| Net interest margin | 3.0124% | 3,572 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.3668% | 2,617 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.9656% | 2,637 |
| Return on assets (ROA) | 0.9737% | 2,579 |
| Pretax return on assets | 1.2871% | 2,214 |
| Return on Equity (ROE) | 13.3400% | 1,915 |
| Retained earnings to average equity (ytd only) | 6.0185% | 2,756 |
| Net charge-offs to loans | 0.1883% | 383 |
| Credit loss provision to net charge-offs | 143.0036% | 969 |
| Earnings coverage of net charge-offs (x) | 10.6218% | 1,654 |
| Efficiency ratio | 61.6736% | 2,736 |
| Assets per employee ($millions) | 7.7302% | 1,495 |
| Cash dividends to net income (ytd only)* | 54.8932% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,673 |
| Loan loss allowance to noncurrent loans | 285.9970% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 1,875 |
| Noncurrent loans to loans | 0.3358% | 1,946 |
| Net loans and leases to total assets | 72.9900% | 1,320 |
| Net loans and leases to deposits | 93.1639% | 838 |
| Net loans and leases to core deposits | 107.2056% | 790 |
| Total domestic deposits to total assets | 78.3500% | 3,965 |
| Equity capital to assets | 7.3483% | 3,650 |
| Core capital (leverage) ratio | 8.0950% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8410% | 2,775 |
| Memoranda: | ||
| Average total assets | $4,789,383,000 | 286 |
| Average earning assets | $4,599,637,000 | 273 |
| Average equity | $349,524,000 | 351 |
| Average total loans | $3,522,590,500 | 264 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8515% | 2,130 |
| Cost of funding earning assets | 0.4953% | 1,422 |
| Net interest margin | 3.3562% | 2,399 |
| Noninterest income to average assets | 1.1300% | 527 |
| Noninterest expense to average assets | 2.7702% | 1,381 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.1074% | 2,139 |
| Return on assets (ROA) | 1.0875% | 2,167 |
| Pretax return on assets | 1.4431% | 1,650 |
| Return on Equity (ROE) | 14.4800% | 1,411 |
| Retained earnings to average equity (ytd only) | 10.8602% | 917 |
| Net charge-offs to loans | 0.0807% | 847 |
| Credit loss provision to net charge-offs | 191.9808% | 1,152 |
| Earnings coverage of net charge-offs (x) | 26.4424% | 1,755 |
| Efficiency ratio | 63.6327% | 2,551 |
| Assets per employee ($millions) | 7.7193% | 1,474 |
| Cash dividends to net income (ytd only)* | 24.9842% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,088 |
| Loan loss allowance to noncurrent loans | 293.6552% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 1,828 |
| Noncurrent loans to loans | 0.3602% | 1,850 |
| Net loans and leases to total assets | 72.6200% | 1,354 |
| Net loans and leases to deposits | 91.1143% | 973 |
| Net loans and leases to core deposits | 101.5643% | 919 |
| Total domestic deposits to total assets | 79.7000% | 3,921 |
| Equity capital to assets | 7.2464% | 3,525 |
| Core capital (leverage) ratio | 8.0849% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0763% | 2,714 |
| Memoranda: | ||
| Average total assets | $4,519,520,600 | 288 |
| Average earning assets | $4,346,430,600 | 278 |
| Average equity | $339,504,400 | 353 |
| Average total loans | $3,351,657,000 | 258 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 2,020 |
| Cost of funding earning assets | 0.3237% | 1,927 |
| Net interest margin | 3.3853% | 2,024 |
| Noninterest income to average assets | 1.1300% | 547 |
| Noninterest expense to average assets | 2.7481% | 1,353 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.1359% | 1,946 |
| Return on assets (ROA) | 1.1089% | 2,022 |
| Pretax return on assets | 1.4720% | 1,492 |
| Return on Equity (ROE) | 14.6200% | 1,253 |
| Retained earnings to average equity (ytd only) | 9.7879% | 1,407 |
| Net charge-offs to loans | 0.0658% | 832 |
| Credit loss provision to net charge-offs | 270.5308% | 862 |
| Earnings coverage of net charge-offs (x) | 33.4777% | 1,470 |
| Efficiency ratio | 62.6453% | 2,745 |
| Assets per employee ($millions) | 7.7331% | 1,459 |
| Cash dividends to net income (ytd only)* | 33.0721% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,123 |
| Loan loss allowance to noncurrent loans | 251.5731% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 1,690 |
| Noncurrent loans to loans | 0.4271% | 1,742 |
| Net loans and leases to total assets | 72.4100% | 1,244 |
| Net loans and leases to deposits | 90.5584% | 857 |
| Net loans and leases to core deposits | 97.7620% | 907 |
| Total domestic deposits to total assets | 79.9600% | 4,102 |
| Equity capital to assets | 7.0176% | 3,509 |
| Core capital (leverage) ratio | 7.9225% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7709% | 2,878 |
| Memoranda: | ||
| Average total assets | $4,464,486,250 | 291 |
| Average earning assets | $4,296,378,500 | 279 |
| Average equity | $338,517,000 | 355 |
| Average total loans | $3,319,871,000 | 261 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 1,884 |
| Cost of funding earning assets | 0.2300% | 2,505 |
| Net interest margin | 3.3573% | 1,733 |
| Noninterest income to average assets | 1.1743% | 492 |
| Noninterest expense to average assets | 2.7184% | 1,344 |
| Loan and lease loss provision to assets | 0.1612% | 573 |
| Net operating income to assets | 1.1368% | 1,643 |
| Return on assets (ROA) | 1.1081% | 1,720 |
| Pretax return on assets | 1.4932% | 1,187 |
| Return on Equity (ROE) | 14.2335% | 1,055 |
| Retained earnings to average equity (ytd only) | 12.0753% | 596 |
| Net charge-offs to loans | 0.0824% | 659 |
| Credit loss provision to net charge-offs | 261.4815% | 853 |
| Earnings coverage of net charge-offs (x) | 27.4281% | 1,431 |
| Efficiency ratio | 61.6548% | 3,085 |
| Assets per employee ($millions) | 7.7672% | 1,435 |
| Cash dividends to net income (ytd only)* | 15.1634% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,243 |
| Loan loss allowance to noncurrent loans | 224.2808% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 1,586 |
| Noncurrent loans to loans | 0.4810% | 1,675 |
| Net loans and leases to total assets | 72.6406% | 1,044 |
| Net loans and leases to deposits | 87.4155% | 883 |
| Net loans and leases to core deposits | 93.0140% | 972 |
| Total domestic deposits to total assets | 83.0981% | 3,865 |
| Equity capital to assets | 7.4423% | 3,508 |
| Core capital (leverage) ratio | 8.0389% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6389% | 2,902 |
| Memoranda: | ||
| Average total assets | $4,380,247,667 | 293 |
| Average earning assets | $4,220,430,333 | 284 |
| Average equity | $341,011,333 | 356 |
| Average total loans | $3,275,579,000 | 260 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 1,574 |
| Cost of funding earning assets | 0.1931% | 2,893 |
| Net interest margin | 3.3825% | 1,343 |
| Noninterest income to average assets | 1.1655% | 507 |
| Noninterest expense to average assets | 2.6943% | 1,381 |
| Loan and lease loss provision to assets | 0.1400% | 573 |
| Net operating income to assets | 1.1992% | 1,247 |
| Return on assets (ROA) | 1.1610% | 1,350 |
| Pretax return on assets | 1.5453% | 929 |
| Return on Equity (ROE) | 14.5666% | 724 |
| Retained earnings to average equity (ytd only) | 10.2387% | 967 |
| Net charge-offs to loans | 0.0925% | 553 |
| Credit loss provision to net charge-offs | 200.5369% | 772 |
| Earnings coverage of net charge-offs (x) | 24.8268% | 1,205 |
| Efficiency ratio | 60.8467% | 3,390 |
| Assets per employee ($millions) | 7.4552% | 1,712 |
| Cash dividends to net income (ytd only)* | 29.7110% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,419 |
| Loan loss allowance to noncurrent loans | 206.2423% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 1,559 |
| Noncurrent loans to loans | 0.5234% | 1,719 |
| Net loans and leases to total assets | 73.2795% | 720 |
| Net loans and leases to deposits | 85.1089% | 797 |
| Net loans and leases to core deposits | 94.3059% | 723 |
| Total domestic deposits to total assets | 86.1009% | 3,224 |
| Equity capital to assets | 7.7002% | 3,799 |
| Core capital (leverage) ratio | 8.2804% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9577% | 2,898 |
| Memoranda: | ||
| Average total assets | $4,267,388,500 | 302 |
| Average earning assets | $4,116,030,500 | 294 |
| Average equity | $340,121,000 | 367 |
| Average total loans | $3,222,224,000 | 263 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6603% | 2,224 |
| Cost of funding earning assets | 0.2578% | 2,834 |
| Net interest margin | 3.4025% | 2,021 |
| Noninterest income to average assets | 1.4154% | 557 |
| Noninterest expense to average assets | 2.9641% | 1,043 |
| Loan and lease loss provision to assets | 0.1883% | 591 |
| Net operating income to assets | 1.0992% | 2,299 |
| Return on assets (ROA) | 1.0951% | 2,376 |
| Pretax return on assets | 1.5365% | 1,606 |
| Return on Equity (ROE) | 12.7447% | 1,552 |
| Retained earnings to average equity (ytd only) | 6.5981% | 2,079 |
| Net charge-offs to loans | 0.1232% | 735 |
| Credit loss provision to net charge-offs | 192.5734% | 1,327 |
| Earnings coverage of net charge-offs (x) | 17.6907% | 1,932 |
| Efficiency ratio | 63.1463% | 2,689 |
| Assets per employee ($millions) | 7.0960% | 1,864 |
| Cash dividends to net income (ytd only)* | 48.2285% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,467 |
| Loan loss allowance to noncurrent loans | 142.6267% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5816% | 1,136 |
| Noncurrent loans to loans | 0.7523% | 1,353 |
| Net loans and leases to total assets | 76.1906% | 509 |
| Net loans and leases to deposits | 89.4184% | 585 |
| Net loans and leases to core deposits | 98.3430% | 596 |
| Total domestic deposits to total assets | 85.2068% | 3,206 |
| Equity capital to assets | 8.2554% | 4,204 |
| Core capital (leverage) ratio | 8.3168% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1525% | 2,853 |
| Memoranda: | ||
| Average total assets | $3,938,160,200 | 304 |
| Average earning assets | $3,794,832,600 | 296 |
| Average equity | $338,400,600 | 364 |
| Average total loans | $3,125,611,600 | 260 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6894% | 2,302 |
| Cost of funding earning assets | 0.2712% | 2,881 |
| Net interest margin | 3.4182% | 2,104 |
| Noninterest income to average assets | 1.4293% | 593 |
| Noninterest expense to average assets | 2.7569% | 1,444 |
| Loan and lease loss provision to assets | 0.1800% | 595 |
| Net operating income to assets | 1.3548% | 1,674 |
| Return on assets (ROA) | 1.3491% | 1,749 |
| Pretax return on assets | 1.7767% | 1,218 |
| Return on Equity (ROE) | 15.5375% | 1,032 |
| Retained earnings to average equity (ytd only) | 7.3162% | 2,302 |
| Net charge-offs to loans | 0.0968% | 751 |
| Credit loss provision to net charge-offs | 232.4468% | 1,138 |
| Earnings coverage of net charge-offs (x) | 25.3652% | 1,619 |
| Efficiency ratio | 58.3989% | 3,207 |
| Assets per employee ($millions) | 7.0326% | 1,844 |
| Cash dividends to net income (ytd only)* | 52.9127% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,599 |
| Loan loss allowance to noncurrent loans | 127.1353% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 1,129 |
| Noncurrent loans to loans | 0.8382% | 1,364 |
| Net loans and leases to total assets | 77.1703% | 460 |
| Net loans and leases to deposits | 90.7671% | 562 |
| Net loans and leases to core deposits | 98.8543% | 633 |
| Total domestic deposits to total assets | 85.0202% | 3,105 |
| Equity capital to assets | 8.4433% | 4,248 |
| Core capital (leverage) ratio | 8.4728% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3678% | 2,886 |
| Memoranda: | ||
| Average total assets | $3,884,916,000 | 308 |
| Average earning assets | $3,741,071,500 | 298 |
| Average equity | $337,327,000 | 364 |
| Average total loans | $3,107,744,000 | 262 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 2,455 |
| Cost of funding earning assets | 0.2854% | 2,916 |
| Net interest margin | 3.3697% | 2,243 |
| Noninterest income to average assets | 1.4414% | 586 |
| Noninterest expense to average assets | 2.7065% | 1,574 |
| Loan and lease loss provision to assets | 0.2174% | 491 |
| Net operating income to assets | 1.4321% | 1,478 |
| Return on assets (ROA) | 1.4246% | 1,569 |
| Pretax return on assets | 1.7507% | 1,356 |
| Return on Equity (ROE) | 16.2479% | 908 |
| Retained earnings to average equity (ytd only) | 11.0030% | 1,123 |
| Net charge-offs to loans | 0.0722% | 915 |
| Credit loss provision to net charge-offs | 373.0942% | 795 |
| Earnings coverage of net charge-offs (x) | 33.9372% | 1,247 |
| Efficiency ratio | 57.7829% | 3,313 |
| Assets per employee ($millions) | 7.0001% | 1,807 |
| Cash dividends to net income (ytd only)* | 32.2805% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 3,565 |
| Loan loss allowance to noncurrent loans | 127.0915% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 1,209 |
| Noncurrent loans to loans | 0.8386% | 1,466 |
| Net loans and leases to total assets | 79.2969% | 356 |
| Net loans and leases to deposits | 95.1181% | 417 |
| Net loans and leases to core deposits | 103.1537% | 559 |
| Total domestic deposits to total assets | 83.3669% | 3,616 |
| Equity capital to assets | 8.7037% | 4,042 |
| Core capital (leverage) ratio | 8.6148% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8015% | 2,776 |
| Memoranda: | ||
| Average total assets | $3,827,276,667 | 309 |
| Average earning assets | $3,682,812,333 | 299 |
| Average equity | $335,564,000 | 363 |
| Average total loans | $3,088,601,000 | 262 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6556% | 2,483 |
| Cost of funding earning assets | 0.3022% | 2,968 |
| Net interest margin | 3.3533% | 2,238 |
| Noninterest income to average assets | 1.4741% | 619 |
| Noninterest expense to average assets | 2.5049% | 2,167 |
| Loan and lease loss provision to assets | 0.2712% | 363 |
| Net operating income to assets | 1.9886% | 578 |
| Return on assets (ROA) | 1.9697% | 639 |
| Pretax return on assets | 1.9011% | 1,116 |
| Return on Equity (ROE) | 22.3798% | 368 |
| Retained earnings to average equity (ytd only) | 11.7527% | 1,213 |
| Net charge-offs to loans | 0.0795% | 804 |
| Credit loss provision to net charge-offs | 421.1221% | 637 |
| Earnings coverage of net charge-offs (x) | 34.0198% | 1,042 |
| Efficiency ratio | 53.3395% | 3,872 |
| Assets per employee ($millions) | 6.9927% | 1,809 |
| Cash dividends to net income (ytd only)* | 47.4854% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,626 |
| Loan loss allowance to noncurrent loans | 118.6763% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 1,318 |
| Noncurrent loans to loans | 0.8895% | 1,523 |
| Net loans and leases to total assets | 78.6570% | 422 |
| Net loans and leases to deposits | 92.7603% | 555 |
| Net loans and leases to core deposits | 101.3613% | 655 |
| Total domestic deposits to total assets | 84.7960% | 3,185 |
| Equity capital to assets | 8.5514% | 4,075 |
| Core capital (leverage) ratio | 8.8728% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1476% | 2,608 |
| Memoranda: | ||
| Average total assets | $3,763,379,000 | 313 |
| Average earning assets | $3,615,979,000 | 303 |
| Average equity | $331,227,000 | 364 |
| Average total loans | $3,047,883,000 | 267 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 3,144 |
| Cost of funding earning assets | 0.4586% | 3,229 |
| Net interest margin | 3.3988% | 2,781 |
| Noninterest income to average assets | 1.4843% | 551 |
| Noninterest expense to average assets | 2.8965% | 1,697 |
| Loan and lease loss provision to assets | 0.4023% | 781 |
| Net operating income to assets | 1.2149% | 1,501 |
| Return on assets (ROA) | 1.2189% | 1,602 |
| Pretax return on assets | 1.4552% | 1,489 |
| Return on Equity (ROE) | 13.2754% | 973 |
| Retained earnings to average equity (ytd only) | 9.5361% | 679 |
| Net charge-offs to loans | 0.1593% | 1,026 |
| Credit loss provision to net charge-offs | 306.1951% | 1,711 |
| Earnings coverage of net charge-offs (x) | 14.1027% | 2,236 |
| Efficiency ratio | 60.8941% | 3,333 |
| Assets per employee ($millions) | 6.6395% | 1,825 |
| Cash dividends to net income (ytd only)* | 28.1670% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,778 |
| Loan loss allowance to noncurrent loans | 114.6667% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 1,399 |
| Noncurrent loans to loans | 0.8938% | 1,576 |
| Net loans and leases to total assets | 81.7413% | 316 |
| Net loans and leases to deposits | 99.4593% | 396 |
| Net loans and leases to core deposits | 106.5698% | 622 |
| Total domestic deposits to total assets | 82.1857% | 3,625 |
| Equity capital to assets | 9.0694% | 3,995 |
| Core capital (leverage) ratio | 8.8362% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0255% | 2,620 |
| Memoranda: | ||
| Average total assets | $3,378,782,800 | 315 |
| Average earning assets | $3,245,753,000 | 305 |
| Average equity | $310,220,200 | 355 |
| Average total loans | $2,786,938,200 | 277 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 3,498 |
| Cost of funding earning assets | 0.4916% | 3,279 |
| Net interest margin | 3.3308% | 3,096 |
| Noninterest income to average assets | 1.4283% | 559 |
| Noninterest expense to average assets | 2.7914% | 1,991 |
| Loan and lease loss provision to assets | 0.4257% | 785 |
| Net operating income to assets | 1.0904% | 2,013 |
| Return on assets (ROA) | 1.0970% | 2,120 |
| Pretax return on assets | 1.4185% | 1,671 |
| Return on Equity (ROE) | 11.9086% | 1,396 |
| Retained earnings to average equity (ytd only) | 7.7179% | 1,407 |
| Net charge-offs to loans | 0.1614% | 915 |
| Credit loss provision to net charge-offs | 319.9154% | 1,698 |
| Earnings coverage of net charge-offs (x) | 13.7957% | 2,181 |
| Efficiency ratio | 60.2512% | 3,353 |
| Assets per employee ($millions) | 6.6641% | 1,701 |
| Cash dividends to net income (ytd only)* | 35.1906% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 3,880 |
| Loan loss allowance to noncurrent loans | 88.5643% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 1,268 |
| Noncurrent loans to loans | 1.0754% | 1,394 |
| Net loans and leases to total assets | 83.4167% | 326 |
| Net loans and leases to deposits | 102.2433% | 441 |
| Net loans and leases to core deposits | 110.6126% | 675 |
| Total domestic deposits to total assets | 81.5865% | 3,521 |
| Equity capital to assets | 8.8327% | 4,229 |
| Core capital (leverage) ratio | 8.6753% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8168% | 2,676 |
| Memoranda: | ||
| Average total assets | $3,315,528,000 | 314 |
| Average earning assets | $3,184,243,000 | 303 |
| Average equity | $305,430,000 | 355 |
| Average total loans | $2,733,816,750 | 281 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,364 |
| Cost of funding earning assets | 0.5411% | 3,286 |
| Net interest margin | 3.4447% | 2,959 |
| Noninterest income to average assets | 1.3486% | 565 |
| Noninterest expense to average assets | 2.8289% | 2,025 |
| Loan and lease loss provision to assets | 0.5000% | 720 |
| Net operating income to assets | 1.0053% | 2,305 |
| Return on assets (ROA) | 1.0158% | 2,394 |
| Pretax return on assets | 1.3407% | 1,899 |
| Return on Equity (ROE) | 10.8600% | 1,680 |
| Retained earnings to average equity (ytd only) | 4.4874% | 2,711 |
| Net charge-offs to loans | 0.1593% | 929 |
| Credit loss provision to net charge-offs | 383.8418% | 1,437 |
| Earnings coverage of net charge-offs (x) | 14.0291% | 1,964 |
| Efficiency ratio | 60.6755% | 3,323 |
| Assets per employee ($millions) | 6.7996% | 1,559 |
| Cash dividends to net income (ytd only)* | 58.6797% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,839 |
| Loan loss allowance to noncurrent loans | 82.8416% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 1,286 |
| Noncurrent loans to loans | 1.1347% | 1,385 |
| Net loans and leases to total assets | 82.5705% | 362 |
| Net loans and leases to deposits | 100.7883% | 503 |
| Net loans and leases to core deposits | 108.6855% | 785 |
| Total domestic deposits to total assets | 81.9246% | 3,392 |
| Equity capital to assets | 8.7394% | 4,326 |
| Core capital (leverage) ratio | 8.6690% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8802% | 2,658 |
| Memoranda: | ||
| Average total assets | $3,221,162,667 | 315 |
| Average earning assets | $3,093,130,000 | 306 |
| Average equity | $301,288,333 | 358 |
| Average total loans | $2,634,850,000 | 288 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 3,340 |
| Cost of funding earning assets | 0.6385% | 3,233 |
| Net interest margin | 3.5254% | 2,894 |
| Noninterest income to average assets | 1.5085% | 393 |
| Noninterest expense to average assets | 3.0220% | 1,834 |
| Loan and lease loss provision to assets | 0.4671% | 632 |
| Net operating income to assets | 1.0978% | 1,850 |
| Return on assets (ROA) | 1.1142% | 1,893 |
| Pretax return on assets | 1.4213% | 1,503 |
| Return on Equity (ROE) | 11.4816% | 1,268 |
| Retained earnings to average equity (ytd only) | -1.3905% | 4,187 |
| Net charge-offs to loans | 0.2589% | 570 |
| Credit loss provision to net charge-offs | 222.9814% | 1,357 |
| Earnings coverage of net charge-offs (x) | 8.9149% | 1,842 |
| Efficiency ratio | 61.7266% | 3,525 |
| Assets per employee ($millions) | 6.0798% | 1,614 |
| Cash dividends to net income (ytd only)* | 112.1102% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 3,975 |
| Loan loss allowance to noncurrent loans | 72.3611% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.0361% | 1,269 |
| Noncurrent loans to loans | 1.2976% | 1,261 |
| Net loans and leases to total assets | 78.9494% | 832 |
| Net loans and leases to deposits | 100.1322% | 552 |
| Net loans and leases to core deposits | 109.7926% | 856 |
| Total domestic deposits to total assets | 78.8452% | 4,079 |
| Equity capital to assets | 9.4615% | 4,256 |
| Core capital (leverage) ratio | 9.4798% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6940% | 2,845 |
| Memoranda: | ||
| Average total assets | $3,074,035,500 | 319 |
| Average earning assets | $2,948,184,000 | 308 |
| Average equity | $298,319,500 | 358 |
| Average total loans | $2,487,154,500 | 294 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 3,379 |
| Cost of funding earning assets | 0.6960% | 3,175 |
| Net interest margin | 3.6580% | 2,930 |
| Noninterest income to average assets | 1.6189% | 358 |
| Noninterest expense to average assets | 3.0788% | 1,814 |
| Loan and lease loss provision to assets | 0.2333% | 817 |
| Net operating income to assets | 1.3915% | 1,368 |
| Return on assets (ROA) | 1.3963% | 1,426 |
| Pretax return on assets | 1.8097% | 915 |
| Return on Equity (ROE) | 14.4545% | 804 |
| Retained earnings to average equity (ytd only) | 9.1243% | 681 |
| Net charge-offs to loans | 0.2877% | 729 |
| Credit loss provision to net charge-offs | 99.2035% | 2,515 |
| Earnings coverage of net charge-offs (x) | 8.6624% | 2,747 |
| Efficiency ratio | 60.0055% | 3,694 |
| Assets per employee ($millions) | 5.8341% | 1,764 |
| Cash dividends to net income (ytd only)* | 36.8754% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 4,062 |
| Loan loss allowance to noncurrent loans | 199.7409% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 2,947 |
| Noncurrent loans to loans | 0.4386% | 2,878 |
| Net loans and leases to total assets | 81.4600% | 622 |
| Net loans and leases to deposits | 101.9621% | 470 |
| Net loans and leases to core deposits | 113.7418% | 685 |
| Total domestic deposits to total assets | 79.8925% | 4,000 |
| Equity capital to assets | 9.9597% | 3,961 |
| Core capital (leverage) ratio | 9.6730% | 3,875 |
| Tier 1 risk-based capital ratio | 12.3235% | 4,178 |
| Total risk-based capital ratio | 13.2454% | 4,244 |
| Memoranda: | ||
| Average total assets | $2,936,633,200 | 316 |
| Average earning assets | $2,807,225,400 | 307 |
| Average equity | $283,670,400 | 362 |
| Average total loans | $2,400,411,600 | 290 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 3,517 |
| Cost of funding earning assets | 0.6940% | 3,246 |
| Net interest margin | 3.6540% | 3,079 |
| Noninterest income to average assets | 1.5989% | 365 |
| Noninterest expense to average assets | 2.9459% | 2,111 |
| Loan and lease loss provision to assets | 0.2248% | 762 |
| Net operating income to assets | 1.4918% | 1,207 |
| Return on assets (ROA) | 1.5002% | 1,245 |
| Pretax return on assets | 1.9305% | 805 |
| Return on Equity (ROE) | 15.6549% | 662 |
| Retained earnings to average equity (ytd only) | 8.4531% | 1,222 |
| Net charge-offs to loans | 0.2583% | 683 |
| Credit loss provision to net charge-offs | 106.6017% | 2,139 |
| Earnings coverage of net charge-offs (x) | 10.1708% | 2,517 |
| Efficiency ratio | 57.6876% | 3,981 |
| Assets per employee ($millions) | 5.8742% | 1,695 |
| Cash dividends to net income (ytd only)* | 46.0036% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 4,053 |
| Loan loss allowance to noncurrent loans | 328.2680% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 3,675 |
| Noncurrent loans to loans | 0.2735% | 3,561 |
| Net loans and leases to total assets | 81.3328% | 659 |
| Net loans and leases to deposits | 101.0591% | 554 |
| Net loans and leases to core deposits | 111.4107% | 877 |
| Total domestic deposits to total assets | 80.4805% | 3,872 |
| Equity capital to assets | 9.7327% | 4,260 |
| Core capital (leverage) ratio | 9.5761% | 4,083 |
| Tier 1 risk-based capital ratio | 12.1128% | 4,359 |
| Total risk-based capital ratio | 13.0622% | 4,399 |
| Memoranda: | ||
| Average total assets | $2,921,110,250 | 323 |
| Average earning assets | $2,791,361,000 | 311 |
| Average equity | $279,922,000 | 368 |
| Average total loans | $2,384,427,000 | 296 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3277% | 3,547 |
| Cost of funding earning assets | 0.6884% | 3,230 |
| Net interest margin | 3.6393% | 3,138 |
| Noninterest income to average assets | 1.5964% | 361 |
| Noninterest expense to average assets | 2.9121% | 2,251 |
| Loan and lease loss provision to assets | 0.2360% | 672 |
| Net operating income to assets | 1.4948% | 1,164 |
| Return on assets (ROA) | 1.5151% | 1,156 |
| Pretax return on assets | 1.9444% | 761 |
| Return on Equity (ROE) | 15.8961% | 605 |
| Retained earnings to average equity (ytd only) | 11.6157% | 455 |
| Net charge-offs to loans | 0.1329% | 1,140 |
| Credit loss provision to net charge-offs | 218.0140% | 1,141 |
| Earnings coverage of net charge-offs (x) | 19.9020% | 1,797 |
| Efficiency ratio | 57.2903% | 4,097 |
| Assets per employee ($millions) | 6.0573% | 1,503 |
| Cash dividends to net income (ytd only)* | 26.9275% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,772 |
| Loan loss allowance to noncurrent loans | 278.9624% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 3,388 |
| Noncurrent loans to loans | 0.3485% | 3,303 |
| Net loans and leases to total assets | 81.7968% | 640 |
| Net loans and leases to deposits | 102.0243% | 538 |
| Net loans and leases to core deposits | 111.4374% | 892 |
| Total domestic deposits to total assets | 80.1738% | 4,002 |
| Equity capital to assets | 9.8416% | 4,103 |
| Core capital (leverage) ratio | 9.6187% | 4,015 |
| Tier 1 risk-based capital ratio | 11.6310% | 4,619 |
| Total risk-based capital ratio | 12.6130% | 4,652 |
| Memoranda: | ||
| Average total assets | $2,902,075,330 | 328 |
| Average earning assets | $2,767,405,000 | 314 |
| Average equity | $276,608,670 | 369 |
| Average total loans | $2,364,498,000 | 298 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 3,667 |
| Cost of funding earning assets | 0.6567% | 3,283 |
| Net interest margin | 3.6066% | 3,232 |
| Noninterest income to average assets | 1.5088% | 383 |
| Noninterest expense to average assets | 2.8703% | 2,356 |
| Loan and lease loss provision to assets | 0.2249% | 690 |
| Net operating income to assets | 1.4428% | 1,257 |
| Return on assets (ROA) | 1.4597% | 1,231 |
| Pretax return on assets | 1.8555% | 869 |
| Return on Equity (ROE) | 15.5706% | 652 |
| Retained earnings to average equity (ytd only) | 6.8309% | 2,107 |
| Net charge-offs to loans | 0.1214% | 1,016 |
| Credit loss provision to net charge-offs | 228.8732% | 970 |
| Earnings coverage of net charge-offs (x) | 20.9549% | 1,540 |
| Efficiency ratio | 58.0409% | 4,069 |
| Assets per employee ($millions) | 6.0706% | 1,492 |
| Cash dividends to net income (ytd only)* | 56.1297% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 3,926 |
| Loan loss allowance to noncurrent loans | 342.9310% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 3,561 |
| Noncurrent loans to loans | 0.2801% | 3,559 |
| Net loans and leases to total assets | 79.3275% | 936 |
| Net loans and leases to deposits | 97.5203% | 838 |
| Net loans and leases to core deposits | 108.7308% | 1,004 |
| Total domestic deposits to total assets | 81.3446% | 3,897 |
| Equity capital to assets | 9.3594% | 4,376 |
| Core capital (leverage) ratio | 9.3828% | 4,279 |
| Tier 1 risk-based capital ratio | 11.3903% | 4,786 |
| Total risk-based capital ratio | 12.3533% | 4,840 |
| Memoranda: | ||
| Average total assets | $2,890,272,000 | 332 |
| Average earning assets | $2,741,167,500 | 320 |
| Average equity | $270,946,000 | 375 |
| Average total loans | $2,338,442,000 | 302 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,777 |
| Cost of funding earning assets | 0.4783% | 3,496 |
| Net interest margin | 3.6080% | 3,352 |
| Noninterest income to average assets | 1.7431% | 322 |
| Noninterest expense to average assets | 3.1552% | 1,660 |
| Loan and lease loss provision to assets | 0.2822% | 584 |
| Net operating income to assets | 1.4060% | 1,410 |
| Return on assets (ROA) | 1.3870% | 1,470 |
| Pretax return on assets | 1.7509% | 1,046 |
| Return on Equity (ROE) | 15.4007% | 741 |
| Retained earnings to average equity (ytd only) | 11.3387% | 390 |
| Net charge-offs to loans | 0.3143% | 618 |
| Credit loss provision to net charge-offs | 109.6306% | 2,347 |
| Earnings coverage of net charge-offs (x) | 7.9922% | 2,933 |
| Efficiency ratio | 60.3131% | 3,802 |
| Assets per employee ($millions) | 5.8250% | 1,646 |
| Cash dividends to net income (ytd only)* | 26.3757% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 4,048 |
| Loan loss allowance to noncurrent loans | 276.9418% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 3,270 |
| Noncurrent loans to loans | 0.3356% | 3,348 |
| Net loans and leases to total assets | 80.9818% | 804 |
| Net loans and leases to deposits | 102.5232% | 560 |
| Net loans and leases to core deposits | 110.1502% | 987 |
| Total domestic deposits to total assets | 78.9888% | 4,312 |
| Equity capital to assets | 9.3898% | 4,227 |
| Core capital (leverage) ratio | 9.3465% | 4,305 |
| Tier 1 risk-based capital ratio | 11.3005% | 4,811 |
| Total risk-based capital ratio | 12.2336% | 4,877 |
| Memoranda: | ||
| Average total assets | $2,755,406,600 | 338 |
| Average earning assets | $2,649,385,400 | 325 |
| Average equity | $248,151,200 | 387 |
| Average total loans | $2,256,777,800 | 310 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 3,861 |
| Cost of funding earning assets | 0.4325% | 3,650 |
| Net interest margin | 3.5892% | 3,404 |
| Noninterest income to average assets | 1.7743% | 330 |
| Noninterest expense to average assets | 3.0789% | 1,816 |
| Loan and lease loss provision to assets | 0.2684% | 568 |
| Net operating income to assets | 1.4930% | 1,212 |
| Return on assets (ROA) | 1.4938% | 1,207 |
| Pretax return on assets | 1.8813% | 845 |
| Return on Equity (ROE) | 16.7734% | 575 |
| Retained earnings to average equity (ytd only) | 11.2500% | 599 |
| Net charge-offs to loans | 0.3106% | 535 |
| Credit loss provision to net charge-offs | 105.4650% | 2,182 |
| Earnings coverage of net charge-offs (x) | 8.4428% | 2,708 |
| Efficiency ratio | 58.6878% | 4,012 |
| Assets per employee ($millions) | 5.7427% | 1,698 |
| Cash dividends to net income (ytd only)* | 32.9293% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,193 |
| Loan loss allowance to noncurrent loans | 220.5211% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 3,287 |
| Noncurrent loans to loans | 0.4164% | 3,164 |
| Net loans and leases to total assets | 81.2941% | 830 |
| Net loans and leases to deposits | 103.0759% | 598 |
| Net loans and leases to core deposits | 108.8178% | 1,110 |
| Total domestic deposits to total assets | 78.8682% | 4,342 |
| Equity capital to assets | 9.1201% | 4,444 |
| Core capital (leverage) ratio | 9.1809% | 4,536 |
| Tier 1 risk-based capital ratio | 11.1817% | 4,957 |
| Total risk-based capital ratio | 12.1164% | 5,000 |
| Memoranda: | ||
| Average total assets | $2,732,150,750 | 340 |
| Average earning assets | $2,628,663,500 | 326 |
| Average equity | $243,323,250 | 391 |
| Average total loans | $2,238,883,750 | 311 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 3,970 |
| Cost of funding earning assets | 0.3933% | 3,769 |
| Net interest margin | 3.5441% | 3,483 |
| Noninterest income to average assets | 1.5368% | 408 |
| Noninterest expense to average assets | 3.0101% | 2,018 |
| Loan and lease loss provision to assets | 0.2812% | 510 |
| Net operating income to assets | 1.3228% | 1,690 |
| Return on assets (ROA) | 1.3225% | 1,693 |
| Pretax return on assets | 1.6571% | 1,324 |
| Return on Equity (ROE) | 14.9753% | 857 |
| Retained earnings to average equity (ytd only) | 10.5516% | 776 |
| Net charge-offs to loans | 0.4271% | 363 |
| Credit loss provision to net charge-offs | 80.3723% | 2,253 |
| Earnings coverage of net charge-offs (x) | 5.5415% | 2,699 |
| Efficiency ratio | 60.6256% | 3,829 |
| Assets per employee ($millions) | 5.6731% | 1,738 |
| Cash dividends to net income (ytd only)* | 29.5401% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 4,427 |
| Loan loss allowance to noncurrent loans | 192.1166% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 3,223 |
| Noncurrent loans to loans | 0.4574% | 3,067 |
| Net loans and leases to total assets | 81.2898% | 812 |
| Net loans and leases to deposits | 100.9423% | 743 |
| Net loans and leases to core deposits | 106.2130% | 1,225 |
| Total domestic deposits to total assets | 80.5310% | 4,126 |
| Equity capital to assets | 9.0038% | 4,554 |
| Core capital (leverage) ratio | 9.1177% | 4,563 |
| Tier 1 risk-based capital ratio | 10.3137% | 5,336 |
| Total risk-based capital ratio | 11.1526% | 5,397 |
| Memoranda: | ||
| Average total assets | $2,702,976,330 | 343 |
| Average earning assets | $2,602,094,670 | 330 |
| Average equity | $238,712,330 | 394 |
| Average total loans | $2,214,020,670 | 310 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8867% | 3,968 |
| Cost of funding earning assets | 0.3710% | 3,822 |
| Net interest margin | 3.5156% | 3,480 |
| Noninterest income to average assets | 1.4604% | 446 |
| Noninterest expense to average assets | 2.8493% | 2,535 |
| Loan and lease loss provision to assets | 0.2552% | 573 |
| Net operating income to assets | 1.3499% | 1,482 |
| Return on assets (ROA) | 1.3494% | 1,494 |
| Pretax return on assets | 1.7408% | 1,023 |
| Return on Equity (ROE) | 15.4368% | 723 |
| Retained earnings to average equity (ytd only) | 6.3695% | 2,556 |
| Net charge-offs to loans | 0.1209% | 1,058 |
| Credit loss provision to net charge-offs | 257.9666% | 892 |
| Earnings coverage of net charge-offs (x) | 20.1821% | 1,478 |
| Efficiency ratio | 58.6648% | 4,268 |
| Assets per employee ($millions) | 5.6783% | 1,783 |
| Cash dividends to net income (ytd only)* | 58.7385% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 3,965 |
| Loan loss allowance to noncurrent loans | 154.2631% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 2,741 |
| Noncurrent loans to loans | 0.6478% | 2,605 |
| Net loans and leases to total assets | 81.1575% | 769 |
| Net loans and leases to deposits | 98.8594% | 798 |
| Net loans and leases to core deposits | 103.8183% | 1,387 |
| Total domestic deposits to total assets | 82.0939% | 3,931 |
| Equity capital to assets | 9.0358% | 4,521 |
| Core capital (leverage) ratio | 9.0510% | 4,625 |
| Tier 1 risk-based capital ratio | 11.2007% | 5,025 |
| Total risk-based capital ratio | 12.2354% | 5,038 |
| Memoranda: | ||
| Average total assets | $2,664,550,500 | 347 |
| Average earning assets | $2,565,908,500 | 335 |
| Average equity | $232,923,500 | 406 |
| Average total loans | $2,181,157,000 | 310 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7487% | 4,219 |
| Cost of funding earning assets | 0.3156% | 3,996 |
| Net interest margin | 3.4331% | 3,740 |
| Noninterest income to average assets | 1.4376% | 513 |
| Noninterest expense to average assets | 2.9103% | 2,420 |
| Loan and lease loss provision to assets | 0.2485% | 756 |
| Net operating income to assets | 0.9155% | 2,623 |
| Return on assets (ROA) | 0.9148% | 2,659 |
| Pretax return on assets | 1.5814% | 1,344 |
| Return on Equity (ROE) | 10.8901% | 1,531 |
| Retained earnings to average equity (ytd only) | 7.0440% | 1,057 |
| Net charge-offs to loans | 0.3015% | 864 |
| Credit loss provision to net charge-offs | 103.2092% | 2,479 |
| Earnings coverage of net charge-offs (x) | 7.6039% | 3,021 |
| Efficiency ratio | 61.3047% | 4,052 |
| Assets per employee ($millions) | 5.7587% | 1,701 |
| Cash dividends to net income (ytd only)* | 35.3171% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 4,103 |
| Loan loss allowance to noncurrent loans | 157.3294% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 2,837 |
| Noncurrent loans to loans | 0.6166% | 2,689 |
| Net loans and leases to total assets | 80.9451% | 842 |
| Net loans and leases to deposits | 99.1379% | 802 |
| Net loans and leases to core deposits | 102.8890% | 1,496 |
| Total domestic deposits to total assets | 81.6491% | 3,955 |
| Equity capital to assets | 8.4426% | 5,161 |
| Core capital (leverage) ratio | 8.7250% | 4,927 |
| Tier 1 risk-based capital ratio | 10.4100% | 5,400 |
| Total risk-based capital ratio | 11.3763% | 5,436 |
| Memoranda: | ||
| Average total assets | $2,575,262,800 | 340 |
| Average earning assets | $2,478,130,400 | 324 |
| Average equity | $216,325,000 | 414 |
| Average total loans | $2,056,768,000 | 309 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 4,316 |
| Cost of funding earning assets | 0.3062% | 4,075 |
| Net interest margin | 3.3967% | 3,859 |
| Noninterest income to average assets | 1.4259% | 529 |
| Noninterest expense to average assets | 2.8668% | 2,517 |
| Loan and lease loss provision to assets | 0.2658% | 627 |
| Net operating income to assets | 1.0556% | 2,306 |
| Return on assets (ROA) | 1.0549% | 2,342 |
| Pretax return on assets | 1.5608% | 1,541 |
| Return on Equity (ROE) | 12.5741% | 1,159 |
| Retained earnings to average equity (ytd only) | 7.4053% | 1,486 |
| Net charge-offs to loans | 0.1482% | 1,357 |
| Credit loss provision to net charge-offs | 225.9637% | 1,232 |
| Earnings coverage of net charge-offs (x) | 15.5379% | 2,220 |
| Efficiency ratio | 60.9870% | 4,046 |
| Assets per employee ($millions) | 5.6336% | 1,801 |
| Cash dividends to net income (ytd only)* | 41.1067% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,371 |
| Loan loss allowance to noncurrent loans | 129.2591% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7138% | 2,368 |
| Noncurrent loans to loans | 0.8680% | 2,203 |
| Net loans and leases to total assets | 80.2735% | 945 |
| Net loans and leases to deposits | 96.8527% | 1,019 |
| Net loans and leases to core deposits | 100.2280% | 1,686 |
| Total domestic deposits to total assets | 82.8821% | 3,494 |
| Equity capital to assets | 8.5293% | 5,268 |
| Core capital (leverage) ratio | 8.7131% | 5,047 |
| Tier 1 risk-based capital ratio | 10.5203% | 5,441 |
| Total risk-based capital ratio | 11.6362% | 5,424 |
| Memoranda: | ||
| Average total assets | $2,558,262,500 | 344 |
| Average earning assets | $2,461,812,000 | 328 |
| Average equity | $214,616,000 | 417 |
| Average total loans | $2,030,821,250 | 312 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,351 |
| Cost of funding earning assets | 0.2973% | 4,107 |
| Net interest margin | 3.3570% | 3,923 |
| Noninterest income to average assets | 1.3892% | 554 |
| Noninterest expense to average assets | 2.8713% | 2,512 |
| Loan and lease loss provision to assets | 0.2356% | 729 |
| Net operating income to assets | 1.0334% | 2,283 |
| Return on assets (ROA) | 1.0326% | 2,322 |
| Pretax return on assets | 1.5166% | 1,578 |
| Return on Equity (ROE) | 12.3788% | 1,193 |
| Retained earnings to average equity (ytd only) | 8.9148% | 866 |
| Net charge-offs to loans | 0.1890% | 1,057 |
| Credit loss provision to net charge-offs | 158.2278% | 1,476 |
| Earnings coverage of net charge-offs (x) | 11.7774% | 2,244 |
| Efficiency ratio | 62.0061% | 3,988 |
| Assets per employee ($millions) | 5.6352% | 1,755 |
| Cash dividends to net income (ytd only)* | 27.9827% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,801 |
| Loan loss allowance to noncurrent loans | 185.6512% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 3,253 |
| Noncurrent loans to loans | 0.5701% | 3,018 |
| Net loans and leases to total assets | 79.2050% | 1,064 |
| Net loans and leases to deposits | 95.8960% | 1,090 |
| Net loans and leases to core deposits | 98.6063% | 1,756 |
| Total domestic deposits to total assets | 82.5947% | 3,685 |
| Equity capital to assets | 8.4663% | 5,328 |
| Core capital (leverage) ratio | 8.6325% | 5,108 |
| Tier 1 risk-based capital ratio | 10.6733% | 5,390 |
| Total risk-based capital ratio | 11.7341% | 5,393 |
| Memoranda: | ||
| Average total assets | $2,547,195,330 | 348 |
| Average earning assets | $2,454,943,670 | 332 |
| Average equity | $212,477,000 | 421 |
| Average total loans | $2,006,474,000 | 314 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6305% | 4,333 |
| Cost of funding earning assets | 0.2748% | 4,306 |
| Net interest margin | 3.3557% | 3,817 |
| Noninterest income to average assets | 1.3424% | 576 |
| Noninterest expense to average assets | 2.8123% | 2,746 |
| Loan and lease loss provision to assets | 0.2276% | 686 |
| Net operating income to assets | 1.0470% | 2,082 |
| Return on assets (ROA) | 1.0454% | 2,141 |
| Pretax return on assets | 1.5358% | 1,421 |
| Return on Equity (ROE) | 12.6286% | 1,079 |
| Retained earnings to average equity (ytd only) | 5.6010% | 2,542 |
| Net charge-offs to loans | 0.2430% | 737 |
| Credit loss provision to net charge-offs | 119.9001% | 1,405 |
| Earnings coverage of net charge-offs (x) | 9.3006% | 2,000 |
| Efficiency ratio | 61.3467% | 4,253 |
| Assets per employee ($millions) | 5.7473% | 1,696 |
| Cash dividends to net income (ytd only)* | 55.6480% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 3,964 |
| Loan loss allowance to noncurrent loans | 161.3027% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 3,147 |
| Noncurrent loans to loans | 0.6537% | 2,870 |
| Net loans and leases to total assets | 75.5247% | 1,497 |
| Net loans and leases to deposits | 90.8259% | 1,444 |
| Net loans and leases to core deposits | 94.1288% | 1,980 |
| Total domestic deposits to total assets | 83.1532% | 3,783 |
| Equity capital to assets | 8.1021% | 5,469 |
| Core capital (leverage) ratio | 8.5623% | 5,181 |
| Tier 1 risk-based capital ratio | 10.7479% | 5,440 |
| Total risk-based capital ratio | 11.8052% | 5,438 |
| Memoranda: | ||
| Average total assets | $2,530,337,500 | 351 |
| Average earning assets | $2,439,773,500 | 336 |
| Average equity | $209,461,500 | 426 |
| Average total loans | $1,976,673,000 | 321 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 4,107 |
| Cost of funding earning assets | 0.2284% | 4,755 |
| Net interest margin | 3.5068% | 3,403 |
| Noninterest income to average assets | 1.4914% | 531 |
| Noninterest expense to average assets | 3.0995% | 2,040 |
| Loan and lease loss provision to assets | 0.1854% | 1,271 |
| Net operating income to assets | 1.0090% | 2,316 |
| Return on assets (ROA) | 1.0105% | 2,404 |
| Pretax return on assets | 1.5742% | 1,358 |
| Return on Equity (ROE) | 11.6237% | 1,358 |
| Retained earnings to average equity (ytd only) | 4.9564% | 2,376 |
| Net charge-offs to loans | 0.2182% | 1,268 |
| Credit loss provision to net charge-offs | 104.7195% | 2,476 |
| Earnings coverage of net charge-offs (x) | 9.9263% | 2,706 |
| Efficiency ratio | 63.7223% | 3,991 |
| Assets per employee ($millions) | 5.4235% | 1,931 |
| Cash dividends to net income (ytd only)* | 57.3598% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,960 |
| Loan loss allowance to noncurrent loans | 177.4833% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 3,212 |
| Noncurrent loans to loans | 0.5963% | 3,065 |
| Net loans and leases to total assets | 79.1767% | 1,010 |
| Net loans and leases to deposits | 94.0767% | 1,188 |
| Net loans and leases to core deposits | 110.5896% | 859 |
| Total domestic deposits to total assets | 84.1619% | 3,368 |
| Equity capital to assets | 8.4653% | 5,295 |
| Core capital (leverage) ratio | 8.7662% | 5,007 |
| Tier 1 risk-based capital ratio | 10.7735% | 5,451 |
| Total risk-based capital ratio | 11.8374% | 5,462 |
| Memoranda: | ||
| Average total assets | $2,346,265,000 | 354 |
| Average earning assets | $2,251,437,800 | 340 |
| Average equity | $203,979,800 | 429 |
| Average total loans | $1,902,873,000 | 316 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7457% | 4,097 |
| Cost of funding earning assets | 0.2291% | 4,796 |
| Net interest margin | 3.5166% | 3,408 |
| Noninterest income to average assets | 1.4741% | 552 |
| Noninterest expense to average assets | 3.0827% | 2,074 |
| Loan and lease loss provision to assets | 0.2011% | 1,047 |
| Net operating income to assets | 1.0087% | 2,392 |
| Return on assets (ROA) | 1.0112% | 2,514 |
| Pretax return on assets | 1.5655% | 1,478 |
| Return on Equity (ROE) | 11.5516% | 1,476 |
| Retained earnings to average equity (ytd only) | 2.6233% | 4,343 |
| Net charge-offs to loans | 0.1727% | 1,332 |
| Credit loss provision to net charge-offs | 143.0908% | 1,834 |
| Earnings coverage of net charge-offs (x) | 12.5401% | 2,378 |
| Efficiency ratio | 63.5188% | 3,999 |
| Assets per employee ($millions) | 5.3244% | 2,023 |
| Cash dividends to net income (ytd only)* | 77.2903% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,776 |
| Loan loss allowance to noncurrent loans | 154.8306% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 3,074 |
| Noncurrent loans to loans | 0.7166% | 2,884 |
| Net loans and leases to total assets | 80.2450% | 854 |
| Net loans and leases to deposits | 95.6527% | 1,082 |
| Net loans and leases to core deposits | 98.0822% | 1,804 |
| Total domestic deposits to total assets | 83.8920% | 3,242 |
| Equity capital to assets | 8.5105% | 5,525 |
| Core capital (leverage) ratio | 8.6370% | 5,224 |
| Tier 1 risk-based capital ratio | 10.4951% | 5,622 |
| Total risk-based capital ratio | 11.6064% | 5,600 |
| Memoranda: | ||
| Average total assets | $2,319,979,250 | 357 |
| Average earning assets | $2,224,124,250 | 344 |
| Average equity | $203,095,250 | 429 |
| Average total loans | $1,888,164,750 | 314 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 4,041 |
| Cost of funding earning assets | 0.2294% | 4,860 |
| Net interest margin | 3.5447% | 3,311 |
| Noninterest income to average assets | 1.4081% | 585 |
| Noninterest expense to average assets | 3.0949% | 2,076 |
| Loan and lease loss provision to assets | 0.1919% | 1,126 |
| Net operating income to assets | 0.9918% | 2,427 |
| Return on assets (ROA) | 0.9952% | 2,552 |
| Pretax return on assets | 1.5274% | 1,595 |
| Return on Equity (ROE) | 11.2585% | 1,555 |
| Retained earnings to average equity (ytd only) | 6.2850% | 1,964 |
| Net charge-offs to loans | 0.2100% | 1,116 |
| Credit loss provision to net charge-offs | 112.1877% | 1,943 |
| Earnings coverage of net charge-offs (x) | 10.0209% | 2,363 |
| Efficiency ratio | 64.2549% | 3,973 |
| Assets per employee ($millions) | 5.2598% | 2,023 |
| Cash dividends to net income (ytd only)* | 44.1757% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,953 |
| Loan loss allowance to noncurrent loans | 149.2931% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 3,142 |
| Noncurrent loans to loans | 0.7354% | 2,901 |
| Net loans and leases to total assets | 79.8866% | 932 |
| Net loans and leases to deposits | 95.7861% | 1,102 |
| Net loans and leases to core deposits | 98.2765% | 1,785 |
| Total domestic deposits to total assets | 83.4010% | 3,501 |
| Equity capital to assets | 8.8272% | 5,380 |
| Core capital (leverage) ratio | 8.9793% | 4,852 |
| Tier 1 risk-based capital ratio | 10.9128% | 5,468 |
| Total risk-based capital ratio | 12.0133% | 5,463 |
| Memoranda: | ||
| Average total assets | $2,292,874,000 | 359 |
| Average earning assets | $2,199,854,330 | 347 |
| Average equity | $202,673,000 | 430 |
| Average total loans | $1,868,040,330 | 314 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,063 |
| Cost of funding earning assets | 0.2337% | 4,867 |
| Net interest margin | 3.5357% | 3,335 |
| Noninterest income to average assets | 1.3692% | 592 |
| Noninterest expense to average assets | 3.0632% | 2,199 |
| Loan and lease loss provision to assets | 0.2471% | 718 |
| Net operating income to assets | 0.9797% | 2,371 |
| Return on assets (ROA) | 0.9825% | 2,474 |
| Pretax return on assets | 1.4564% | 1,730 |
| Return on Equity (ROE) | 11.1078% | 1,566 |
| Retained earnings to average equity (ytd only) | 1.0515% | 4,818 |
| Net charge-offs to loans | 0.3406% | 654 |
| Credit loss provision to net charge-offs | 88.6637% | 1,774 |
| Earnings coverage of net charge-offs (x) | 6.0975% | 2,268 |
| Efficiency ratio | 64.2158% | 4,087 |
| Assets per employee ($millions) | 5.9201% | 1,470 |
| Cash dividends to net income (ytd only)* | 90.5335% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 4,063 |
| Loan loss allowance to noncurrent loans | 133.3813% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 2,962 |
| Noncurrent loans to loans | 0.8231% | 2,783 |
| Net loans and leases to total assets | 80.3709% | 762 |
| Net loans and leases to deposits | 96.2865% | 920 |
| Net loans and leases to core deposits | 98.7816% | 1,576 |
| Total domestic deposits to total assets | 83.4706% | 3,723 |
| Equity capital to assets | 8.7967% | 5,344 |
| Core capital (leverage) ratio | 8.9806% | 4,882 |
| Tier 1 risk-based capital ratio | 10.8451% | 5,581 |
| Total risk-based capital ratio | 11.9475% | 5,575 |
| Memoranda: | ||
| Average total assets | $2,266,371,500 | 359 |
| Average earning assets | $2,175,091,500 | 345 |
| Average equity | $200,471,500 | 431 |
| Average total loans | $1,854,637,500 | 314 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 3,948 |
| Cost of funding earning assets | 0.2252% | 5,044 |
| Net interest margin | 3.6055% | 3,111 |
| Noninterest income to average assets | 1.4937% | 557 |
| Noninterest expense to average assets | 3.1049% | 2,224 |
| Loan and lease loss provision to assets | 0.2615% | 714 |
| Net operating income to assets | 1.0863% | 1,984 |
| Return on assets (ROA) | 1.0843% | 2,058 |
| Pretax return on assets | 1.5733% | 1,333 |
| Return on Equity (ROE) | 12.4068% | 1,206 |
| Retained earnings to average equity (ytd only) | 8.0152% | 909 |
| Net charge-offs to loans | 0.2582% | 1,171 |
| Credit loss provision to net charge-offs | 123.2417% | 2,103 |
| Earnings coverage of net charge-offs (x) | 8.6615% | 2,920 |
| Efficiency ratio | 62.7006% | 4,494 |
| Assets per employee ($millions) | 5.8227% | 1,514 |
| Cash dividends to net income (ytd only)* | 35.3967% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,988 |
| Loan loss allowance to noncurrent loans | 119.9965% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 2,610 |
| Noncurrent loans to loans | 0.9252% | 2,488 |
| Net loans and leases to total assets | 81.4973% | 641 |
| Net loans and leases to deposits | 99.9888% | 675 |
| Net loans and leases to core deposits | 102.7138% | 1,313 |
| Total domestic deposits to total assets | 81.5064% | 4,333 |
| Equity capital to assets | 8.8951% | 5,228 |
| Core capital (leverage) ratio | 9.0779% | 4,785 |
| Tier 1 risk-based capital ratio | 10.8466% | 5,603 |
| Total risk-based capital ratio | 11.9623% | 5,587 |
| Memoranda: | ||
| Average total assets | $2,178,194,600 | 360 |
| Average earning assets | $2,083,492,200 | 342 |
| Average equity | $190,364,000 | 433 |
| Average total loans | $1,789,430,000 | 309 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 4,033 |
| Cost of funding earning assets | 0.2216% | 5,163 |
| Net interest margin | 3.5972% | 3,173 |
| Noninterest income to average assets | 1.4612% | 574 |
| Noninterest expense to average assets | 3.0809% | 2,269 |
| Loan and lease loss provision to assets | 0.2851% | 546 |
| Net operating income to assets | 1.0077% | 2,434 |
| Return on assets (ROA) | 1.0057% | 2,536 |
| Pretax return on assets | 1.5318% | 1,593 |
| Return on Equity (ROE) | 11.5609% | 1,511 |
| Retained earnings to average equity (ytd only) | 5.6311% | 2,503 |
| Net charge-offs to loans | 0.2816% | 947 |
| Credit loss provision to net charge-offs | 123.3316% | 1,943 |
| Earnings coverage of net charge-offs (x) | 7.8737% | 2,868 |
| Efficiency ratio | 62.7419% | 4,450 |
| Assets per employee ($millions) | 5.7161% | 1,583 |
| Cash dividends to net income (ytd only)* | 51.2915% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 4,102 |
| Loan loss allowance to noncurrent loans | 173.2097% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 3,463 |
| Noncurrent loans to loans | 0.6475% | 3,383 |
| Net loans and leases to total assets | 81.3795% | 658 |
| Net loans and leases to deposits | 97.9227% | 824 |
| Net loans and leases to core deposits | 100.5765% | 1,467 |
| Total domestic deposits to total assets | 83.1059% | 3,777 |
| Equity capital to assets | 8.7469% | 5,538 |
| Core capital (leverage) ratio | 8.7777% | 5,263 |
| Tier 1 risk-based capital ratio | 10.7123% | 5,796 |
| Total risk-based capital ratio | 11.8450% | 5,768 |
| Memoranda: | ||
| Average total assets | $2,160,848,500 | 367 |
| Average earning assets | $2,066,203,750 | 348 |
| Average equity | $187,974,000 | 439 |
| Average total loans | $1,773,717,250 | 313 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 4,041 |
| Cost of funding earning assets | 0.2213% | 5,240 |
| Net interest margin | 3.5854% | 3,149 |
| Noninterest income to average assets | 1.4284% | 623 |
| Noninterest expense to average assets | 3.2026% | 1,975 |
| Loan and lease loss provision to assets | 0.3104% | 477 |
| Net operating income to assets | 0.9019% | 2,869 |
| Return on assets (ROA) | 0.8998% | 3,000 |
| Pretax return on assets | 1.3374% | 2,219 |
| Return on Equity (ROE) | 10.3628% | 1,911 |
| Retained earnings to average equity (ytd only) | 6.3263% | 2,045 |
| Net charge-offs to loans | 0.3451% | 761 |
| Credit loss provision to net charge-offs | 109.6838% | 1,929 |
| Earnings coverage of net charge-offs (x) | 5.8340% | 2,876 |
| Efficiency ratio | 65.8594% | 4,037 |
| Assets per employee ($millions) | 5.6734% | 1,595 |
| Cash dividends to net income (ytd only)* | 38.9516% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 4,287 |
| Loan loss allowance to noncurrent loans | 139.3604% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 3,246 |
| Noncurrent loans to loans | 0.7943% | 3,126 |
| Net loans and leases to total assets | 80.7102% | 706 |
| Net loans and leases to deposits | 97.0174% | 872 |
| Net loans and leases to core deposits | 99.7690% | 1,509 |
| Total domestic deposits to total assets | 83.1915% | 3,875 |
| Equity capital to assets | 8.6881% | 5,536 |
| Core capital (leverage) ratio | 8.8341% | 5,182 |
| Tier 1 risk-based capital ratio | 10.7362% | 5,829 |
| Total risk-based capital ratio | 11.8523% | 5,827 |
| Memoranda: | ||
| Average total assets | $2,145,657,330 | 368 |
| Average earning assets | $2,049,734,670 | 348 |
| Average equity | $186,300,670 | 444 |
| Average total loans | $1,759,642,670 | 311 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 3,897 |
| Cost of funding earning assets | 0.2271% | 5,245 |
| Net interest margin | 3.6001% | 3,003 |
| Noninterest income to average assets | 1.3717% | 614 |
| Noninterest expense to average assets | 3.3640% | 1,569 |
| Loan and lease loss provision to assets | 0.4238% | 259 |
| Net operating income to assets | 0.6929% | 3,836 |
| Return on assets (ROA) | 0.6922% | 3,963 |
| Pretax return on assets | 1.0198% | 3,422 |
| Return on Equity (ROE) | 7.9753% | 2,971 |
| Retained earnings to average equity (ytd only) | -0.1845% | 5,412 |
| Net charge-offs to loans | 0.1597% | 1,311 |
| Credit loss provision to net charge-offs | 322.8121% | 773 |
| Earnings coverage of net charge-offs (x) | 11.0029% | 1,896 |
| Efficiency ratio | 69.8292% | 3,522 |
| Assets per employee ($millions) | 5.5820% | 1,729 |
| Cash dividends to net income (ytd only)* | 102.3129% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 3,974 |
| Loan loss allowance to noncurrent loans | 133.0783% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 3,132 |
| Noncurrent loans to loans | 0.9024% | 2,981 |
| Net loans and leases to total assets | 80.3530% | 648 |
| Net loans and leases to deposits | 96.5363% | 797 |
| Net loans and leases to core deposits | 99.3272% | 1,372 |
| Total domestic deposits to total assets | 83.2360% | 4,103 |
| Equity capital to assets | 8.5630% | 5,696 |
| Core capital (leverage) ratio | 8.6799% | 5,344 |
| Tier 1 risk-based capital ratio | 10.5165% | 6,006 |
| Total risk-based capital ratio | 11.7190% | 5,971 |
| Memoranda: | ||
| Average total assets | $2,123,529,000 | 370 |
| Average earning assets | $2,027,256,500 | 350 |
| Average equity | $184,319,500 | 450 |
| Average total loans | $1,745,829,500 | 311 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9112% | 4,091 |
| Cost of funding earning assets | 0.1940% | 5,798 |
| Net interest margin | 3.7173% | 2,946 |
| Noninterest income to average assets | 1.4477% | 580 |
| Noninterest expense to average assets | 3.1702% | 2,291 |
| Loan and lease loss provision to assets | 0.2255% | 1,085 |
| Net operating income to assets | 1.0906% | 2,012 |
| Return on assets (ROA) | 1.0917% | 2,065 |
| Pretax return on assets | 1.5964% | 1,247 |
| Return on Equity (ROE) | 12.7872% | 1,184 |
| Retained earnings to average equity (ytd only) | 9.7026% | 569 |
| Net charge-offs to loans | 0.2058% | 2,021 |
| Credit loss provision to net charge-offs | 134.0146% | 1,767 |
| Earnings coverage of net charge-offs (x) | 10.8169% | 2,581 |
| Efficiency ratio | 63.3811% | 4,689 |
| Assets per employee ($millions) | 5.4208% | 1,838 |
| Cash dividends to net income (ytd only)* | 24.1224% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 4,442 |
| Loan loss allowance to noncurrent loans | 127.9926% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8236% | 3,152 |
| Noncurrent loans to loans | 0.8756% | 3,129 |
| Net loans and leases to total assets | 82.1922% | 500 |
| Net loans and leases to deposits | 98.5013% | 720 |
| Net loans and leases to core deposits | 101.5287% | 1,277 |
| Total domestic deposits to total assets | 83.4427% | 3,933 |
| Equity capital to assets | 8.8003% | 5,488 |
| Core capital (leverage) ratio | 8.8074% | 5,238 |
| Tier 1 risk-based capital ratio | 10.6652% | 6,037 |
| Total risk-based capital ratio | 11.7976% | 6,025 |
| Memoranda: | ||
| Average total assets | $2,035,446,200 | 367 |
| Average earning assets | $1,939,847,600 | 352 |
| Average equity | $173,768,000 | 454 |
| Average total loans | $1,664,290,400 | 306 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8716% | 4,276 |
| Cost of funding earning assets | 0.1965% | 5,865 |
| Net interest margin | 3.6751% | 3,128 |
| Noninterest income to average assets | 1.4470% | 603 |
| Noninterest expense to average assets | 3.2018% | 2,173 |
| Loan and lease loss provision to assets | 0.1814% | 1,354 |
| Net operating income to assets | 1.0680% | 2,163 |
| Return on assets (ROA) | 1.0679% | 2,230 |
| Pretax return on assets | 1.5654% | 1,434 |
| Return on Equity (ROE) | 12.6090% | 1,319 |
| Retained earnings to average equity (ytd only) | 8.4340% | 1,176 |
| Net charge-offs to loans | 0.1652% | 2,140 |
| Credit loss provision to net charge-offs | 134.8700% | 1,728 |
| Earnings coverage of net charge-offs (x) | 12.9882% | 2,265 |
| Efficiency ratio | 64.5508% | 4,456 |
| Assets per employee ($millions) | 5.4424% | 1,779 |
| Cash dividends to net income (ytd only)* | 33.1110% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 4,736 |
| Loan loss allowance to noncurrent loans | 105.9908% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 3,119 |
| Noncurrent loans to loans | 1.0406% | 2,991 |
| Net loans and leases to total assets | 81.2548% | 582 |
| Net loans and leases to deposits | 96.7058% | 825 |
| Net loans and leases to core deposits | 100.1614% | 1,354 |
| Total domestic deposits to total assets | 84.0227% | 3,750 |
| Equity capital to assets | 8.4728% | 5,818 |
| Core capital (leverage) ratio | 8.6376% | 5,517 |
| Tier 1 risk-based capital ratio | 10.2868% | 6,269 |
| Total risk-based capital ratio | 11.3900% | 6,276 |
| Memoranda: | ||
| Average total assets | $2,021,203,500 | 364 |
| Average earning assets | $1,925,880,000 | 348 |
| Average equity | $171,175,500 | 455 |
| Average total loans | $1,645,539,000 | 305 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 4,396 |
| Cost of funding earning assets | 0.1984% | 5,930 |
| Net interest margin | 3.6353% | 3,209 |
| Noninterest income to average assets | 1.4340% | 590 |
| Noninterest expense to average assets | 3.3097% | 1,899 |
| Loan and lease loss provision to assets | 0.2106% | 1,126 |
| Net operating income to assets | 0.9607% | 2,506 |
| Return on assets (ROA) | 0.9621% | 2,585 |
| Pretax return on assets | 1.3818% | 1,962 |
| Return on Equity (ROE) | 11.3616% | 1,612 |
| Retained earnings to average equity (ytd only) | 7.5724% | 1,487 |
| Net charge-offs to loans | 0.1475% | 2,205 |
| Credit loss provision to net charge-offs | 175.8794% | 1,300 |
| Earnings coverage of net charge-offs (x) | 13.2848% | 1,983 |
| Efficiency ratio | 67.3917% | 4,135 |
| Assets per employee ($millions) | 5.3336% | 1,842 |
| Cash dividends to net income (ytd only)* | 33.3507% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 4,695 |
| Loan loss allowance to noncurrent loans | 100.8389% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 3,062 |
| Noncurrent loans to loans | 1.1336% | 2,959 |
| Net loans and leases to total assets | 80.7893% | 592 |
| Net loans and leases to deposits | 94.4103% | 931 |
| Net loans and leases to core deposits | 99.2379% | 1,340 |
| Total domestic deposits to total assets | 85.5725% | 3,256 |
| Equity capital to assets | 8.4275% | 5,859 |
| Core capital (leverage) ratio | 8.6611% | 5,454 |
| Tier 1 risk-based capital ratio | 10.2652% | 6,316 |
| Total risk-based capital ratio | 11.4060% | 6,308 |
| Memoranda: | ||
| Average total assets | $1,994,688,000 | 367 |
| Average earning assets | $1,901,870,000 | 348 |
| Average equity | $168,903,000 | 460 |
| Average total loans | $1,618,719,670 | 303 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,161 |
| Cost of funding earning assets | 0.2010% | 5,987 |
| Net interest margin | 3.6805% | 2,949 |
| Noninterest income to average assets | 1.4297% | 574 |
| Noninterest expense to average assets | 3.3895% | 1,730 |
| Loan and lease loss provision to assets | 0.2344% | 945 |
| Net operating income to assets | 0.9173% | 2,562 |
| Return on assets (ROA) | 0.9173% | 2,637 |
| Pretax return on assets | 1.3253% | 2,006 |
| Return on Equity (ROE) | 10.8065% | 1,753 |
| Retained earnings to average equity (ytd only) | 3.1236% | 4,249 |
| Net charge-offs to loans | 0.1381% | 1,889 |
| Credit loss provision to net charge-offs | 209.8540% | 1,002 |
| Earnings coverage of net charge-offs (x) | 13.9653% | 1,636 |
| Efficiency ratio | 68.3331% | 4,128 |
| Assets per employee ($millions) | 5.1591% | 2,054 |
| Cash dividends to net income (ytd only)* | 71.0953% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 4,753 |
| Loan loss allowance to noncurrent loans | 103.5619% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.0246% | 3,209 |
| Noncurrent loans to loans | 1.1352% | 3,149 |
| Net loans and leases to total assets | 79.9014% | 561 |
| Net loans and leases to deposits | 88.1552% | 1,343 |
| Net loans and leases to core deposits | 91.2391% | 1,801 |
| Total domestic deposits to total assets | 90.6372% | 721 |
| Equity capital to assets | 8.4263% | 5,717 |
| Core capital (leverage) ratio | 8.6436% | 5,468 |
| Tier 1 risk-based capital ratio | 10.3205% | 6,390 |
| Total risk-based capital ratio | 11.4840% | 6,377 |
| Memoranda: | ||
| Average total assets | $1,962,654,000 | 373 |
| Average earning assets | $1,876,819,000 | 354 |
| Average equity | $166,603,500 | 464 |
| Average total loans | $1,586,836,500 | 309 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 4,060 |
| Cost of funding earning assets | 0.2400% | 6,031 |
| Net interest margin | 3.7697% | 2,763 |
| Noninterest income to average assets | 1.6176% | 549 |
| Noninterest expense to average assets | 3.3015% | 2,148 |
| Loan and lease loss provision to assets | 0.1641% | 2,226 |
| Net operating income to assets | 1.2253% | 1,469 |
| Return on assets (ROA) | 1.2190% | 1,566 |
| Pretax return on assets | 1.7369% | 881 |
| Return on Equity (ROE) | 14.2982% | 889 |
| Retained earnings to average equity (ytd only) | 6.2663% | 1,812 |
| Net charge-offs to loans | 0.1405% | 3,404 |
| Credit loss provision to net charge-offs | 148.1393% | 1,569 |
| Earnings coverage of net charge-offs (x) | 17.2448% | 1,731 |
| Efficiency ratio | 63.1849% | 5,029 |
| Assets per employee ($millions) | 5.0101% | 2,168 |
| Cash dividends to net income (ytd only)* | 56.1744% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 4,801 |
| Loan loss allowance to noncurrent loans | 99.9673% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.0701% | 3,270 |
| Noncurrent loans to loans | 1.1724% | 3,190 |
| Net loans and leases to total assets | 79.9036% | 605 |
| Net loans and leases to deposits | 88.5925% | 1,401 |
| Net loans and leases to core deposits | 91.9303% | 1,802 |
| Total domestic deposits to total assets | 90.1923% | 976 |
| Equity capital to assets | 8.5529% | 5,525 |
| Core capital (leverage) ratio | 8.7000% | 5,417 |
| Tier 1 risk-based capital ratio | 10.5092% | 6,362 |
| Total risk-based capital ratio | 11.6665% | 6,347 |
| Memoranda: | ||
| Average total assets | $1,892,559,800 | 371 |
| Average earning assets | $1,804,227,400 | 353 |
| Average equity | $161,355,800 | 466 |
| Average total loans | $1,491,296,400 | 309 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,953 |
| Cost of funding earning assets | 0.2463% | 6,112 |
| Net interest margin | 3.7983% | 2,646 |
| Noninterest income to average assets | 1.6131% | 565 |
| Noninterest expense to average assets | 3.2303% | 2,269 |
| Loan and lease loss provision to assets | 0.1434% | 2,488 |
| Net operating income to assets | 1.3191% | 1,299 |
| Return on assets (ROA) | 1.3110% | 1,378 |
| Pretax return on assets | 1.8455% | 816 |
| Return on Equity (ROE) | 15.3899% | 731 |
| Retained earnings to average equity (ytd only) | 4.6133% | 3,388 |
| Net charge-offs to loans | 0.1501% | 3,041 |
| Credit loss provision to net charge-offs | 122.1351% | 1,928 |
| Earnings coverage of net charge-offs (x) | 17.0296% | 1,759 |
| Efficiency ratio | 61.5924% | 5,190 |
| Assets per employee ($millions) | 4.9826% | 2,188 |
| Cash dividends to net income (ytd only)* | 70.0238% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 4,995 |
| Loan loss allowance to noncurrent loans | 115.2277% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9487% | 3,774 |
| Noncurrent loans to loans | 1.0183% | 3,769 |
| Net loans and leases to total assets | 77.4408% | 809 |
| Net loans and leases to deposits | 85.3323% | 1,698 |
| Net loans and leases to core deposits | 88.3027% | 2,156 |
| Total domestic deposits to total assets | 90.7521% | 632 |
| Equity capital to assets | 8.3804% | 5,851 |
| Core capital (leverage) ratio | 8.5881% | 5,675 |
| Tier 1 risk-based capital ratio | 10.3004% | 6,509 |
| Total risk-based capital ratio | 11.4280% | 6,514 |
| Memoranda: | ||
| Average total assets | $1,882,226,000 | 373 |
| Average earning assets | $1,792,501,000 | 356 |
| Average equity | $160,343,750 | 475 |
| Average total loans | $1,473,226,000 | 313 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 3,933 |
| Cost of funding earning assets | 0.2548% | 6,141 |
| Net interest margin | 3.7919% | 2,582 |
| Noninterest income to average assets | 1.5975% | 621 |
| Noninterest expense to average assets | 3.2955% | 2,082 |
| Loan and lease loss provision to assets | 0.1820% | 2,090 |
| Net operating income to assets | 1.2422% | 1,480 |
| Return on assets (ROA) | 1.2345% | 1,602 |
| Pretax return on assets | 1.7256% | 1,055 |
| Return on Equity (ROE) | 14.4116% | 928 |
| Retained earnings to average equity (ytd only) | 9.0138% | 1,111 |
| Net charge-offs to loans | 0.1672% | 2,778 |
| Credit loss provision to net charge-offs | 139.1162% | 1,630 |
| Earnings coverage of net charge-offs (x) | 14.6653% | 1,812 |
| Efficiency ratio | 63.0384% | 5,011 |
| Assets per employee ($millions) | 4.8533% | 2,293 |
| Cash dividends to net income (ytd only)* | 37.4545% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 4,955 |
| Loan loss allowance to noncurrent loans | 117.6840% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 3,844 |
| Noncurrent loans to loans | 1.0251% | 3,884 |
| Net loans and leases to total assets | 77.7873% | 777 |
| Net loans and leases to deposits | 85.9092% | 1,583 |
| Net loans and leases to core deposits | 88.8636% | 2,018 |
| Total domestic deposits to total assets | 90.5459% | 731 |
| Equity capital to assets | 8.7111% | 5,533 |
| Core capital (leverage) ratio | 8.7613% | 5,342 |
| Tier 1 risk-based capital ratio | 10.9024% | 6,377 |
| Total risk-based capital ratio | 12.0916% | 6,368 |
| Memoranda: | ||
| Average total assets | $1,868,539,330 | 372 |
| Average earning assets | $1,781,944,000 | 357 |
| Average equity | $160,065,330 | 471 |
| Average total loans | $1,461,937,330 | 315 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,919 |
| Cost of funding earning assets | 0.2625% | 6,207 |
| Net interest margin | 3.7882% | 2,494 |
| Noninterest income to average assets | 1.6130% | 603 |
| Noninterest expense to average assets | 3.1844% | 2,401 |
| Loan and lease loss provision to assets | 0.1500% | 2,369 |
| Net operating income to assets | 1.3697% | 1,103 |
| Return on assets (ROA) | 1.3600% | 1,215 |
| Pretax return on assets | 1.8747% | 769 |
| Return on Equity (ROE) | 16.0124% | 605 |
| Retained earnings to average equity (ytd only) | 5.1103% | 3,167 |
| Net charge-offs to loans | 0.1633% | 2,425 |
| Credit loss provision to net charge-offs | 117.8451% | 1,622 |
| Earnings coverage of net charge-offs (x) | 16.0067% | 1,380 |
| Efficiency ratio | 60.8069% | 5,477 |
| Assets per employee ($millions) | 4.8707% | 2,396 |
| Cash dividends to net income (ytd only)* | 68.0851% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 5,176 |
| Loan loss allowance to noncurrent loans | 106.7324% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0387% | 3,860 |
| Noncurrent loans to loans | 1.1240% | 3,906 |
| Net loans and leases to total assets | 76.3223% | 799 |
| Net loans and leases to deposits | 83.9131% | 1,608 |
| Net loans and leases to core deposits | 86.8912% | 2,023 |
| Total domestic deposits to total assets | 90.9539% | 542 |
| Equity capital to assets | 8.4833% | 6,034 |
| Core capital (leverage) ratio | 8.5167% | 5,567 |
| Tier 1 risk-based capital ratio | 10.6241% | 6,544 |
| Total risk-based capital ratio | 11.7981% | 6,538 |
| Memoranda: | ||
| Average total assets | $1,866,119,000 | 378 |
| Average earning assets | $1,778,064,000 | 362 |
| Average equity | $158,502,000 | 477 |
| Average total loans | $1,455,383,000 | 318 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3265% | 4,099 |
| Cost of funding earning assets | 0.3326% | 6,300 |
| Net interest margin | 3.9939% | 2,410 |
| Noninterest income to average assets | 1.6129% | 611 |
| Noninterest expense to average assets | 3.4456% | 1,956 |
| Loan and lease loss provision to assets | 0.2384% | 2,748 |
| Net operating income to assets | 1.2498% | 1,449 |
| Return on assets (ROA) | 1.2446% | 1,622 |
| Pretax return on assets | 1.7116% | 1,106 |
| Return on Equity (ROE) | 14.7165% | 869 |
| Retained earnings to average equity (ytd only) | 4.4885% | 3,075 |
| Net charge-offs to loans | 0.2213% | 3,620 |
| Credit loss provision to net charge-offs | 139.7011% | 1,971 |
| Earnings coverage of net charge-offs (x) | 11.4656% | 2,026 |
| Efficiency ratio | 63.5899% | 4,965 |
| Assets per employee ($millions) | 4.7983% | 2,498 |
| Cash dividends to net income (ytd only)* | 69.5001% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 5,173 |
| Loan loss allowance to noncurrent loans | 93.6459% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 3,673 |
| Noncurrent loans to loans | 1.2679% | 3,715 |
| Net loans and leases to total assets | 77.8069% | 701 |
| Net loans and leases to deposits | 85.7842% | 1,543 |
| Net loans and leases to core deposits | 89.1624% | 1,944 |
| Total domestic deposits to total assets | 90.7007% | 614 |
| Equity capital to assets | 8.5042% | 6,051 |
| Core capital (leverage) ratio | 8.5108% | 5,592 |
| Tier 1 risk-based capital ratio | 10.5669% | 6,529 |
| Total risk-based capital ratio | 11.7442% | 6,526 |
| Memoranda: | ||
| Average total assets | $1,803,407,200 | 386 |
| Average earning assets | $1,711,168,800 | 366 |
| Average equity | $152,522,600 | 481 |
| Average total loans | $1,390,853,200 | 322 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3142% | 4,399 |
| Cost of funding earning assets | 0.3443% | 6,406 |
| Net interest margin | 3.9699% | 2,627 |
| Noninterest income to average assets | 1.5896% | 591 |
| Noninterest expense to average assets | 3.4975% | 1,766 |
| Loan and lease loss provision to assets | 0.2829% | 2,304 |
| Net operating income to assets | 1.1671% | 1,843 |
| Return on assets (ROA) | 1.1622% | 2,055 |
| Pretax return on assets | 1.5707% | 1,666 |
| Return on Equity (ROE) | 13.7618% | 1,163 |
| Retained earnings to average equity (ytd only) | 2.4802% | 5,093 |
| Net charge-offs to loans | 0.1703% | 3,741 |
| Credit loss provision to net charge-offs | 216.5242% | 1,284 |
| Earnings coverage of net charge-offs (x) | 14.2399% | 1,849 |
| Efficiency ratio | 65.0893% | 4,614 |
| Assets per employee ($millions) | 4.8204% | 2,416 |
| Cash dividends to net income (ytd only)* | 81.9777% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 4,997 |
| Loan loss allowance to noncurrent loans | 94.3122% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.2217% | 3,854 |
| Noncurrent loans to loans | 1.3379% | 3,794 |
| Net loans and leases to total assets | 76.2890% | 924 |
| Net loans and leases to deposits | 83.8878% | 1,883 |
| Net loans and leases to core deposits | 87.2472% | 2,311 |
| Total domestic deposits to total assets | 90.9418% | 429 |
| Equity capital to assets | 8.2053% | 6,485 |
| Core capital (leverage) ratio | 8.2167% | 6,121 |
| Tier 1 risk-based capital ratio | 10.3318% | 6,721 |
| Total risk-based capital ratio | 11.5796% | 6,692 |
| Memoranda: | ||
| Average total assets | $1,791,219,500 | 387 |
| Average earning assets | $1,700,187,500 | 367 |
| Average equity | $151,275,250 | 480 |
| Average total loans | $1,373,960,750 | 327 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 4,352 |
| Cost of funding earning assets | 0.3557% | 6,485 |
| Net interest margin | 4.0027% | 2,492 |
| Noninterest income to average assets | 1.5877% | 587 |
| Noninterest expense to average assets | 3.6279% | 1,518 |
| Loan and lease loss provision to assets | 0.2602% | 2,496 |
| Net operating income to assets | 1.0837% | 2,114 |
| Return on assets (ROA) | 1.0763% | 2,365 |
| Pretax return on assets | 1.4848% | 1,895 |
| Return on Equity (ROE) | 12.6186% | 1,469 |
| Retained earnings to average equity (ytd only) | 4.1311% | 3,862 |
| Net charge-offs to loans | 0.1659% | 3,612 |
| Credit loss provision to net charge-offs | 204.9911% | 1,394 |
| Earnings coverage of net charge-offs (x) | 13.8298% | 1,755 |
| Efficiency ratio | 67.2025% | 4,291 |
| Assets per employee ($millions) | 4.6928% | 2,577 |
| Cash dividends to net income (ytd only)* | 67.2622% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 5,217 |
| Loan loss allowance to noncurrent loans | 84.5886% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3033% | 3,818 |
| Noncurrent loans to loans | 1.4524% | 3,735 |
| Net loans and leases to total assets | 76.6630% | 882 |
| Net loans and leases to deposits | 84.4631% | 1,794 |
| Net loans and leases to core deposits | 87.8478% | 2,222 |
| Total domestic deposits to total assets | 90.7651% | 539 |
| Equity capital to assets | 8.4459% | 6,264 |
| Core capital (leverage) ratio | 8.5503% | 5,580 |
| Tier 1 risk-based capital ratio | 10.6158% | 6,657 |
| Total risk-based capital ratio | 11.8341% | 6,652 |
| Memoranda: | ||
| Average total assets | $1,768,065,000 | 393 |
| Average earning assets | $1,676,519,670 | 371 |
| Average equity | $150,808,670 | 481 |
| Average total loans | $1,352,735,330 | 331 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 4,149 |
| Cost of funding earning assets | 0.3665% | 6,562 |
| Net interest margin | 4.0758% | 2,194 |
| Noninterest income to average assets | 1.5298% | 619 |
| Noninterest expense to average assets | 3.8324% | 1,165 |
| Loan and lease loss provision to assets | 0.2634% | 2,353 |
| Net operating income to assets | 0.9529% | 2,673 |
| Return on assets (ROA) | 0.9519% | 2,891 |
| Pretax return on assets | 1.2914% | 2,570 |
| Return on Equity (ROE) | 11.1037% | 1,983 |
| Retained earnings to average equity (ytd only) | -1.7206% | 6,243 |
| Net charge-offs to loans | 0.1219% | 3,379 |
| Credit loss provision to net charge-offs | 284.6535% | 1,031 |
| Earnings coverage of net charge-offs (x) | 16.8168% | 1,336 |
| Efficiency ratio | 70.9258% | 3,637 |
| Assets per employee ($millions) | 4.5747% | 2,858 |
| Cash dividends to net income (ytd only)* | 115.4957% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 5,328 |
| Loan loss allowance to noncurrent loans | 84.5771% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 3,947 |
| Noncurrent loans to loans | 1.4637% | 3,923 |
| Net loans and leases to total assets | 76.0876% | 790 |
| Net loans and leases to deposits | 83.8003% | 1,689 |
| Net loans and leases to core deposits | 87.1992% | 2,148 |
| Total domestic deposits to total assets | 90.7963% | 644 |
| Equity capital to assets | 8.4526% | 6,126 |
| Core capital (leverage) ratio | 8.5560% | 5,502 |
| Tier 1 risk-based capital ratio | 10.5941% | 6,710 |
| Total risk-based capital ratio | 11.8096% | 6,704 |
| Memoranda: | ||
| Average total assets | $1,746,378,500 | 395 |
| Average earning assets | $1,653,373,500 | 372 |
| Average equity | $149,716,500 | 480 |
| Average total loans | $1,326,115,000 | 332 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 4,798 |
| Cost of funding earning assets | 0.5554% | 6,313 |
| Net interest margin | 4.0116% | 2,831 |
| Noninterest income to average assets | 1.5045% | 579 |
| Noninterest expense to average assets | 3.5006% | 1,980 |
| Loan and lease loss provision to assets | 0.2241% | 3,963 |
| Net operating income to assets | 1.2120% | 1,481 |
| Return on assets (ROA) | 1.2049% | 1,608 |
| Pretax return on assets | 1.5851% | 1,240 |
| Return on Equity (ROE) | 13.7953% | 981 |
| Retained earnings to average equity (ytd only) | 4.9859% | 2,647 |
| Net charge-offs to loans | 0.2733% | 4,058 |
| Credit loss provision to net charge-offs | 113.8763% | 2,876 |
| Earnings coverage of net charge-offs (x) | 9.2398% | 2,011 |
| Efficiency ratio | 65.5326% | 4,858 |
| Assets per employee ($millions) | 4.4739% | 2,962 |
| Cash dividends to net income (ytd only)* | 63.8581% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 5,195 |
| Loan loss allowance to noncurrent loans | 88.0663% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.3035% | 4,042 |
| Noncurrent loans to loans | 1.4147% | 4,036 |
| Net loans and leases to total assets | 73.8721% | 1,295 |
| Net loans and leases to deposits | 81.5931% | 2,258 |
| Net loans and leases to core deposits | 84.9480% | 2,754 |
| Total domestic deposits to total assets | 90.5371% | 698 |
| Equity capital to assets | 8.6961% | 5,904 |
| Core capital (leverage) ratio | 8.7514% | 5,170 |
| Tier 1 risk-based capital ratio | 11.2044% | 6,349 |
| Total risk-based capital ratio | 12.4280% | 6,342 |
| Memoranda: | ||
| Average total assets | $1,684,358,000 | 396 |
| Average earning assets | $1,601,613,400 | 371 |
| Average equity | $147,115,600 | 477 |
| Average total loans | $1,212,878,200 | 357 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 5,018 |
| Cost of funding earning assets | 0.6065% | 6,258 |
| Net interest margin | 3.9583% | 3,113 |
| Noninterest income to average assets | 1.5016% | 583 |
| Noninterest expense to average assets | 3.2834% | 2,545 |
| Loan and lease loss provision to assets | 0.1904% | 4,122 |
| Net operating income to assets | 1.3324% | 1,302 |
| Return on assets (ROA) | 1.3247% | 1,405 |
| Pretax return on assets | 1.7911% | 973 |
| Return on Equity (ROE) | 15.1496% | 819 |
| Retained earnings to average equity (ytd only) | 6.2579% | 2,394 |
| Net charge-offs to loans | 0.1495% | 4,572 |
| Credit loss provision to net charge-offs | 178.6248% | 1,668 |
| Earnings coverage of net charge-offs (x) | 18.6883% | 1,293 |
| Efficiency ratio | 62.0141% | 5,406 |
| Assets per employee ($millions) | 4.3816% | 3,107 |
| Cash dividends to net income (ytd only)* | 58.6926% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 4,712 |
| Loan loss allowance to noncurrent loans | 74.3760% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5308% | 3,800 |
| Noncurrent loans to loans | 1.8350% | 3,589 |
| Net loans and leases to total assets | 71.3039% | 1,847 |
| Net loans and leases to deposits | 78.7979% | 2,844 |
| Net loans and leases to core deposits | 82.7434% | 3,218 |
| Total domestic deposits to total assets | 90.4895% | 641 |
| Equity capital to assets | 8.8594% | 5,904 |
| Core capital (leverage) ratio | 8.7520% | 5,335 |
| Tier 1 risk-based capital ratio | 11.8555% | 5,998 |
| Total risk-based capital ratio | 13.1090% | 5,977 |
| Memoranda: | ||
| Average total assets | $1,673,712,500 | 398 |
| Average earning assets | $1,595,677,000 | 373 |
| Average equity | $146,350,500 | 485 |
| Average total loans | $1,193,142,500 | 360 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 5,025 |
| Cost of funding earning assets | 0.6434% | 6,255 |
| Net interest margin | 3.9432% | 3,111 |
| Noninterest income to average assets | 1.4813% | 584 |
| Noninterest expense to average assets | 3.3794% | 2,318 |
| Loan and lease loss provision to assets | 0.1067% | 4,968 |
| Net operating income to assets | 1.3290% | 1,248 |
| Return on assets (ROA) | 1.3203% | 1,343 |
| Pretax return on assets | 1.7472% | 965 |
| Return on Equity (ROE) | 15.1666% | 772 |
| Retained earnings to average equity (ytd only) | 9.8769% | 883 |
| Net charge-offs to loans | 0.1163% | 4,541 |
| Credit loss provision to net charge-offs | 129.3605% | 2,359 |
| Earnings coverage of net charge-offs (x) | 22.6105% | 1,114 |
| Efficiency ratio | 64.2050% | 5,203 |
| Assets per employee ($millions) | 4.3278% | 3,119 |
| Cash dividends to net income (ytd only)* | 34.8774% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,844 |
| Loan loss allowance to noncurrent loans | 70.0256% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 3,852 |
| Noncurrent loans to loans | 1.9244% | 3,575 |
| Net loans and leases to total assets | 69.4034% | 2,340 |
| Net loans and leases to deposits | 76.7730% | 3,327 |
| Net loans and leases to core deposits | 81.7202% | 3,551 |
| Total domestic deposits to total assets | 90.4008% | 756 |
| Equity capital to assets | 8.9659% | 5,630 |
| Core capital (leverage) ratio | 8.7975% | 5,054 |
| Tier 1 risk-based capital ratio | 12.1550% | 5,661 |
| Total risk-based capital ratio | 13.4069% | 5,636 |
| Memoranda: | ||
| Average total assets | $1,667,851,670 | 405 |
| Average earning assets | $1,591,869,330 | 381 |
| Average equity | $145,187,670 | 487 |
| Average total loans | $1,183,308,000 | 368 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 5,062 |
| Cost of funding earning assets | 0.6759% | 6,267 |
| Net interest margin | 3.8967% | 3,156 |
| Noninterest income to average assets | 1.4997% | 575 |
| Noninterest expense to average assets | 3.4388% | 2,175 |
| Loan and lease loss provision to assets | 0.1800% | 3,818 |
| Net operating income to assets | 1.2418% | 1,413 |
| Return on assets (ROA) | 1.2416% | 1,468 |
| Pretax return on assets | 1.6055% | 1,179 |
| Return on Equity (ROE) | 14.4808% | 910 |
| Retained earnings to average equity (ytd only) | 3.7315% | 3,933 |
| Net charge-offs to loans | 0.1600% | 3,526 |
| Credit loss provision to net charge-offs | 157.8947% | 1,817 |
| Earnings coverage of net charge-offs (x) | 15.6632% | 1,305 |
| Efficiency ratio | 65.5901% | 5,109 |
| Assets per employee ($millions) | 4.3832% | 3,072 |
| Cash dividends to net income (ytd only)* | 74.2316% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 4,861 |
| Loan loss allowance to noncurrent loans | 69.2703% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5517% | 3,921 |
| Noncurrent loans to loans | 1.9622% | 3,621 |
| Net loans and leases to total assets | 68.2438% | 2,498 |
| Net loans and leases to deposits | 74.9788% | 3,593 |
| Net loans and leases to core deposits | 79.8763% | 3,780 |
| Total domestic deposits to total assets | 91.0175% | 624 |
| Equity capital to assets | 8.4800% | 5,941 |
| Core capital (leverage) ratio | 8.5147% | 5,426 |
| Tier 1 risk-based capital ratio | 11.9018% | 5,778 |
| Total risk-based capital ratio | 13.1535% | 5,770 |
| Memoranda: | ||
| Average total assets | $1,666,515,000 | 408 |
| Average earning assets | $1,593,056,500 | 382 |
| Average equity | $142,893,000 | 493 |
| Average total loans | $1,187,343,000 | 372 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9365% | 4,849 |
| Cost of funding earning assets | 0.8100% | 6,525 |
| Net interest margin | 4.1265% | 2,458 |
| Noninterest income to average assets | 1.4002% | 743 |
| Noninterest expense to average assets | 3.2758% | 2,813 |
| Loan and lease loss provision to assets | 0.3840% | 3,813 |
| Net operating income to assets | 1.3038% | 1,161 |
| Return on assets (ROA) | 1.2971% | 1,240 |
| Pretax return on assets | 1.6620% | 1,020 |
| Return on Equity (ROE) | 15.5892% | 632 |
| Retained earnings to average equity (ytd only) | 10.1854% | 482 |
| Net charge-offs to loans | 0.4010% | 4,033 |
| Credit loss provision to net charge-offs | 129.5555% | 3,079 |
| Earnings coverage of net charge-offs (x) | 6.9307% | 2,236 |
| Efficiency ratio | 61.2018% | 5,859 |
| Assets per employee ($millions) | 4.2188% | 3,352 |
| Cash dividends to net income (ytd only)* | 34.6637% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 5,011 |
| Loan loss allowance to noncurrent loans | 67.9133% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.6307% | 3,862 |
| Noncurrent loans to loans | 1.9119% | 3,672 |
| Net loans and leases to total assets | 72.4211% | 2,006 |
| Net loans and leases to deposits | 79.9210% | 3,187 |
| Net loans and leases to core deposits | 85.6199% | 3,380 |
| Total domestic deposits to total assets | 90.6158% | 784 |
| Equity capital to assets | 8.6717% | 5,623 |
| Core capital (leverage) ratio | 8.4997% | 5,368 |
| Tier 1 risk-based capital ratio | 11.5960% | 5,825 |
| Total risk-based capital ratio | 12.8473% | 5,837 |
| Memoranda: | ||
| Average total assets | $1,601,363,400 | 429 |
| Average earning assets | $1,525,144,400 | 404 |
| Average equity | $133,239,800 | 513 |
| Average total loans | $1,183,844,600 | 383 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 5,065 |
| Cost of funding earning assets | 0.8273% | 6,666 |
| Net interest margin | 4.1158% | 2,546 |
| Noninterest income to average assets | 1.3427% | 751 |
| Noninterest expense to average assets | 3.1655% | 3,050 |
| Loan and lease loss provision to assets | 0.3896% | 3,559 |
| Net operating income to assets | 1.3131% | 1,312 |
| Return on assets (ROA) | 1.3041% | 1,398 |
| Pretax return on assets | 1.6902% | 1,138 |
| Return on Equity (ROE) | 15.8463% | 724 |
| Retained earnings to average equity (ytd only) | 8.5167% | 1,233 |
| Net charge-offs to loans | 0.3573% | 3,873 |
| Credit loss provision to net charge-offs | 147.1985% | 2,665 |
| Earnings coverage of net charge-offs (x) | 7.9016% | 2,244 |
| Efficiency ratio | 59.9579% | 5,966 |
| Assets per employee ($millions) | 4.2713% | 3,310 |
| Cash dividends to net income (ytd only)* | 46.2547% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 5,021 |
| Loan loss allowance to noncurrent loans | 66.4259% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.6416% | 3,977 |
| Noncurrent loans to loans | 1.9429% | 3,758 |
| Net loans and leases to total assets | 73.3173% | 1,945 |
| Net loans and leases to deposits | 80.7253% | 3,320 |
| Net loans and leases to core deposits | 87.7152% | 3,413 |
| Total domestic deposits to total assets | 90.8232% | 509 |
| Equity capital to assets | 8.4340% | 6,354 |
| Core capital (leverage) ratio | 8.3832% | 5,729 |
| Tier 1 risk-based capital ratio | 11.1107% | 6,272 |
| Total risk-based capital ratio | 12.3630% | 6,266 |
| Memoranda: | ||
| Average total assets | $1,591,422,750 | 429 |
| Average earning assets | $1,513,398,000 | 405 |
| Average equity | $130,971,500 | 511 |
| Average total loans | $1,178,766,750 | 383 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9532% | 5,165 |
| Cost of funding earning assets | 0.8502% | 6,759 |
| Net interest margin | 4.1029% | 2,541 |
| Noninterest income to average assets | 1.2857% | 772 |
| Noninterest expense to average assets | 3.1346% | 3,166 |
| Loan and lease loss provision to assets | 0.3746% | 3,470 |
| Net operating income to assets | 1.2806% | 1,355 |
| Return on assets (ROA) | 1.2698% | 1,447 |
| Pretax return on assets | 1.6612% | 1,141 |
| Return on Equity (ROE) | 15.5636% | 753 |
| Retained earnings to average equity (ytd only) | 9.9613% | 852 |
| Net charge-offs to loans | 0.3895% | 3,418 |
| Credit loss provision to net charge-offs | 129.9559% | 3,094 |
| Earnings coverage of net charge-offs (x) | 7.1115% | 2,361 |
| Efficiency ratio | 60.1969% | 6,012 |
| Assets per employee ($millions) | 4.3769% | 3,085 |
| Cash dividends to net income (ytd only)* | 35.9964% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 5,146 |
| Loan loss allowance to noncurrent loans | 65.0469% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.6733% | 3,928 |
| Noncurrent loans to loans | 1.9308% | 3,828 |
| Net loans and leases to total assets | 73.3874% | 2,063 |
| Net loans and leases to deposits | 81.0165% | 3,426 |
| Net loans and leases to core deposits | 87.5649% | 3,608 |
| Total domestic deposits to total assets | 90.5832% | 649 |
| Equity capital to assets | 8.3229% | 6,395 |
| Core capital (leverage) ratio | 8.2055% | 5,936 |
| Tier 1 risk-based capital ratio | 11.0020% | 6,231 |
| Total risk-based capital ratio | 12.2537% | 6,221 |
| Memoranda: | ||
| Average total assets | $1,575,173,000 | 432 |
| Average earning assets | $1,496,739,670 | 410 |
| Average equity | $128,518,000 | 514 |
| Average total loans | $1,165,604,670 | 395 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 5,383 |
| Cost of funding earning assets | 0.8911% | 6,804 |
| Net interest margin | 4.0244% | 2,772 |
| Noninterest income to average assets | 1.2854% | 736 |
| Noninterest expense to average assets | 3.0878% | 3,318 |
| Loan and lease loss provision to assets | 0.6202% | 2,052 |
| Net operating income to assets | 1.0926% | 1,852 |
| Return on assets (ROA) | 1.0916% | 1,938 |
| Pretax return on assets | 1.4005% | 1,777 |
| Return on Equity (ROE) | 13.5176% | 1,142 |
| Retained earnings to average equity (ytd only) | 2.1157% | 4,865 |
| Net charge-offs to loans | 0.7548% | 2,000 |
| Credit loss provision to net charge-offs | 111.2896% | 3,105 |
| Earnings coverage of net charge-offs (x) | 3.6283% | 2,847 |
| Efficiency ratio | 60.1582% | 6,139 |
| Assets per employee ($millions) | 4.4216% | 3,092 |
| Cash dividends to net income (ytd only)* | 84.3486% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 5,162 |
| Loan loss allowance to noncurrent loans | 57.5964% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.7484% | 3,854 |
| Noncurrent loans to loans | 2.1855% | 3,550 |
| Net loans and leases to total assets | 71.5471% | 2,563 |
| Net loans and leases to deposits | 78.6893% | 3,906 |
| Net loans and leases to core deposits | 87.3069% | 3,707 |
| Total domestic deposits to total assets | 90.9235% | 576 |
| Equity capital to assets | 7.9762% | 6,681 |
| Core capital (leverage) ratio | 7.9443% | 6,317 |
| Tier 1 risk-based capital ratio | 10.7381% | 6,401 |
| Total risk-based capital ratio | 11.9890% | 6,383 |
| Memoranda: | ||
| Average total assets | $1,563,971,500 | 447 |
| Average earning assets | $1,486,227,500 | 429 |
| Average equity | $126,294,500 | 527 |
| Average total loans | $1,154,741,500 | 415 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1713% | 5,780 |
| Cost of funding earning assets | 1.2454% | 6,486 |
| Net interest margin | 3.9259% | 3,172 |
| Noninterest income to average assets | 1.1673% | 1,129 |
| Noninterest expense to average assets | 3.1527% | 3,536 |
| Loan and lease loss provision to assets | 0.2900% | 5,107 |
| Net operating income to assets | 1.0940% | 1,529 |
| Return on assets (ROA) | 1.0916% | 1,580 |
| Pretax return on assets | 1.4667% | 1,272 |
| Return on Equity (ROE) | 13.6275% | 849 |
| Retained earnings to average equity (ytd only) | 7.6290% | 794 |
| Net charge-offs to loans | 0.1872% | 5,485 |
| Credit loss provision to net charge-offs | 206.4133% | 1,860 |
| Earnings coverage of net charge-offs (x) | 12.5259% | 1,502 |
| Efficiency ratio | 63.8676% | 5,799 |
| Assets per employee ($millions) | 4.3767% | 3,153 |
| Cash dividends to net income (ytd only)* | 44.0179% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 5,190 |
| Loan loss allowance to noncurrent loans | 72.4828% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 4,236 |
| Noncurrent loans to loans | 1.6937% | 4,100 |
| Net loans and leases to total assets | 74.3266% | 2,187 |
| Net loans and leases to deposits | 82.0572% | 3,604 |
| Net loans and leases to core deposits | 97.6853% | 4,260 |
| Total domestic deposits to total assets | 90.5791% | 710 |
| Equity capital to assets | 8.1773% | 6,368 |
| Core capital (leverage) ratio | 7.9266% | 6,291 |
| Tier 1 risk-based capital ratio | 10.6004% | 6,297 |
| Total risk-based capital ratio | 11.8303% | 6,302 |
| Memoranda: | ||
| Average total assets | $1,498,388,200 | 458 |
| Average earning assets | $1,429,419,000 | 439 |
| Average equity | $120,029,000 | 549 |
| Average total loans | $1,124,191,400 | 437 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1547% | 6,089 |
| Cost of funding earning assets | 1.2986% | 6,564 |
| Net interest margin | 3.8561% | 3,405 |
| Noninterest income to average assets | 1.1024% | 1,304 |
| Noninterest expense to average assets | 3.1185% | 3,587 |
| Loan and lease loss provision to assets | 0.3078% | 4,504 |
| Net operating income to assets | 1.0408% | 1,934 |
| Return on assets (ROA) | 1.0374% | 2,006 |
| Pretax return on assets | 1.3557% | 1,811 |
| Return on Equity (ROE) | 13.0201% | 1,114 |
| Retained earnings to average equity (ytd only) | 4.9219% | 2,537 |
| Net charge-offs to loans | 0.1492% | 5,214 |
| Credit loss provision to net charge-offs | 275.2404% | 1,540 |
| Earnings coverage of net charge-offs (x) | 14.9126% | 1,566 |
| Efficiency ratio | 64.8350% | 5,586 |
| Assets per employee ($millions) | 4.6765% | 2,595 |
| Cash dividends to net income (ytd only)* | 62.1977% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 4,970 |
| Loan loss allowance to noncurrent loans | 75.3681% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.3928% | 4,309 |
| Noncurrent loans to loans | 1.6268% | 4,203 |
| Net loans and leases to total assets | 72.9138% | 2,819 |
| Net loans and leases to deposits | 80.0837% | 4,370 |
| Net loans and leases to core deposits | 96.6703% | 4,740 |
| Total domestic deposits to total assets | 91.0470% | 400 |
| Equity capital to assets | 7.7699% | 7,064 |
| Core capital (leverage) ratio | 7.7444% | 6,672 |
| Tier 1 risk-based capital ratio | 10.0807% | 6,899 |
| Total risk-based capital ratio | 11.2938% | 6,887 |
| Memoranda: | ||
| Average total assets | $1,487,838,250 | 470 |
| Average earning assets | $1,421,392,250 | 456 |
| Average equity | $118,541,500 | 566 |
| Average total loans | $1,115,414,500 | 455 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 5,936 |
| Cost of funding earning assets | 1.3625% | 6,615 |
| Net interest margin | 3.8733% | 3,230 |
| Noninterest income to average assets | 1.0387% | 1,469 |
| Noninterest expense to average assets | 3.1348% | 3,560 |
| Loan and lease loss provision to assets | 0.3496% | 3,829 |
| Net operating income to assets | 0.9555% | 2,262 |
| Return on assets (ROA) | 0.9503% | 2,372 |
| Pretax return on assets | 1.2499% | 2,162 |
| Return on Equity (ROE) | 11.8233% | 1,474 |
| Retained earnings to average equity (ytd only) | 5.6946% | 2,162 |
| Net charge-offs to loans | 0.1525% | 4,669 |
| Credit loss provision to net charge-offs | 304.1667% | 1,527 |
| Earnings coverage of net charge-offs (x) | 13.9726% | 1,694 |
| Efficiency ratio | 65.7940% | 5,582 |
| Assets per employee ($millions) | 4.4402% | 2,857 |
| Cash dividends to net income (ytd only)* | 51.8359% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 4,768 |
| Loan loss allowance to noncurrent loans | 74.9303% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.4390% | 4,090 |
| Noncurrent loans to loans | 1.6378% | 4,040 |
| Net loans and leases to total assets | 73.2916% | 2,884 |
| Net loans and leases to deposits | 81.1029% | 4,375 |
| Net loans and leases to core deposits | 96.5463% | 4,837 |
| Total domestic deposits to total assets | 90.3686% | 677 |
| Equity capital to assets | 7.9595% | 6,801 |
| Core capital (leverage) ratio | 7.8632% | 6,538 |
| Tier 1 risk-based capital ratio | 10.4687% | 6,406 |
| Total risk-based capital ratio | 11.6970% | 6,378 |
| Memoranda: | ||
| Average total assets | $1,461,570,670 | 491 |
| Average earning assets | $1,397,009,330 | 472 |
| Average equity | $117,479,670 | 578 |
| Average total loans | $1,101,727,000 | 474 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 5,697 |
| Cost of funding earning assets | 1.4387% | 6,615 |
| Net interest margin | 3.9034% | 3,027 |
| Noninterest income to average assets | 1.0119% | 1,448 |
| Noninterest expense to average assets | 3.0542% | 3,542 |
| Loan and lease loss provision to assets | 0.3209% | 3,407 |
| Net operating income to assets | 1.0429% | 2,154 |
| Return on assets (ROA) | 1.0435% | 2,284 |
| Pretax return on assets | 1.3689% | 2,058 |
| Return on Equity (ROE) | 12.9166% | 1,414 |
| Retained earnings to average equity (ytd only) | 0.5365% | 5,445 |
| Net charge-offs to loans | 0.1174% | 4,031 |
| Credit loss provision to net charge-offs | 359.8131% | 1,412 |
| Earnings coverage of net charge-offs (x) | 18.9377% | 1,439 |
| Efficiency ratio | 64.0581% | 5,681 |
| Assets per employee ($millions) | 4.3439% | 2,988 |
| Cash dividends to net income (ytd only)* | 95.8466% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,010 |
| Loan loss allowance to noncurrent loans | 112.0370% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 4,757 |
| Noncurrent loans to loans | 1.0404% | 4,907 |
| Net loans and leases to total assets | 73.2000% | 2,961 |
| Net loans and leases to deposits | 80.8907% | 4,474 |
| Net loans and leases to core deposits | 95.9863% | 4,968 |
| Total domestic deposits to total assets | 90.4925% | 593 |
| Equity capital to assets | 7.8422% | 7,013 |
| Core capital (leverage) ratio | 7.8898% | 6,635 |
| Tier 1 risk-based capital ratio | 10.3914% | 6,506 |
| Total risk-based capital ratio | 11.5647% | 6,502 |
| Memoranda: | ||
| Average total assets | $1,439,737,000 | 502 |
| Average earning assets | $1,376,221,000 | 482 |
| Average equity | $116,315,000 | 577 |
| Average total loans | $1,094,130,500 | 480 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7668% | 6,539 |
| Cost of funding earning assets | 1.8603% | 6,850 |
| Net interest margin | 3.9065% | 3,524 |
| Noninterest income to average assets | 1.3301% | 818 |
| Noninterest expense to average assets | 3.1131% | 3,643 |
| Loan and lease loss provision to assets | 0.2877% | 4,082 |
| Net operating income to assets | 1.2165% | 1,724 |
| Return on assets (ROA) | 1.2166% | 1,673 |
| Pretax return on assets | 1.6130% | 1,348 |
| Return on Equity (ROE) | 14.5969% | 997 |
| Retained earnings to average equity (ytd only) | 8.0642% | 827 |
| Net charge-offs to loans | 0.1497% | 4,711 |
| Credit loss provision to net charge-offs | 255.0268% | 1,826 |
| Earnings coverage of net charge-offs (x) | 16.8458% | 1,812 |
| Efficiency ratio | 61.8458% | 5,984 |
| Assets per employee ($millions) | 4.2366% | 3,052 |
| Cash dividends to net income (ytd only)* | 44.7539% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,263 |
| Loan loss allowance to noncurrent loans | 125.3738% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 5,009 |
| Noncurrent loans to loans | 0.8792% | 4,859 |
| Net loans and leases to total assets | 77.1939% | 2,330 |
| Net loans and leases to deposits | 86.1811% | 4,094 |
| Net loans and leases to core deposits | 102.3661% | 4,570 |
| Total domestic deposits to total assets | 89.5717% | 820 |
| Equity capital to assets | 8.3312% | 6,371 |
| Core capital (leverage) ratio | 8.1601% | 6,239 |
| Tier 1 risk-based capital ratio | 10.6138% | 6,087 |
| Total risk-based capital ratio | 11.7363% | 6,104 |
| Memoranda: | ||
| Average total assets | $1,322,394,600 | 515 |
| Average earning assets | $1,246,978,800 | 503 |
| Average equity | $110,215,400 | 613 |
| Average total loans | $996,602,600 | 495 |