Home > The Cape Cod Five Cents Savings Bank > Performance and Condition Ratios
The Cape Cod Five Cents Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 3,596 |
| Cost of funding earning assets | 1.8204% | 1,216 |
| Net interest margin | 2.3950% | 4,191 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.3095% | 2,829 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.5033% | 3,665 |
| Return on assets (ROA) | 0.4810% | 3,707 |
| Pretax return on assets | 0.4690% | 3,865 |
| Return on Equity (ROE) | 5.2700% | 3,676 |
| Retained earnings to average equity (ytd only) | 5.2712% | 2,497 |
| Net charge-offs to loans | 0.0023% | 2,720 |
| Credit loss provision to net charge-offs | -1,851.8519% | 4,577 |
| Earnings coverage of net charge-offs (x) | 227.4074% | 538 |
| Efficiency ratio | 83.6775% | 679 |
| Assets per employee ($millions) | 9.8150% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5071% | 4,328 |
| Loan loss allowance to noncurrent loans | 207.0005% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,175 |
| Noncurrent loans to loans | 0.2450% | 2,322 |
| Net loans and leases to total assets | 84.5300% | 241 |
| Net loans and leases to deposits | 105.9482% | 296 |
| Net loans and leases to core deposits | 121.4492% | 580 |
| Total domestic deposits to total assets | 79.7800% | 3,497 |
| Equity capital to assets | 9.2473% | 2,513 |
| Core capital (leverage) ratio | 9.7700% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4790% | 1,189 |
| Memoranda: | ||
| Average total assets | $5,451,620,400 | 263 |
| Average earning assets | $5,130,199,800 | 250 |
| Average equity | $497,498,000 | 264 |
| Average total loans | $4,636,695,400 | 215 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 3,616 |
| Cost of funding earning assets | 1.7277% | 1,135 |
| Net interest margin | 2.3964% | 4,231 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.3060% | 2,776 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 0.4864% | 3,793 |
| Return on assets (ROA) | 0.4593% | 3,851 |
| Pretax return on assets | 0.5042% | 3,897 |
| Return on Equity (ROE) | 5.0500% | 3,799 |
| Retained earnings to average equity (ytd only) | 5.0499% | 2,917 |
| Net charge-offs to loans | 0.0004% | 2,649 |
| Credit loss provision to net charge-offs | -14,285.7143% | 4,632 |
| Earnings coverage of net charge-offs (x) | 1,409.9286% | 112 |
| Efficiency ratio | 82.6273% | 692 |
| Assets per employee ($millions) | 9.7286% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5116% | 4,339 |
| Loan loss allowance to noncurrent loans | 250.6898% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 2,422 |
| Noncurrent loans to loans | 0.2041% | 2,535 |
| Net loans and leases to total assets | 84.7100% | 231 |
| Net loans and leases to deposits | 104.2878% | 344 |
| Net loans and leases to core deposits | 115.7558% | 671 |
| Total domestic deposits to total assets | 81.2300% | 3,347 |
| Equity capital to assets | 9.1456% | 2,327 |
| Core capital (leverage) ratio | 9.5974% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2002% | 1,269 |
| Memoranda: | ||
| Average total assets | $5,428,158,500 | 266 |
| Average earning assets | $5,105,846,750 | 254 |
| Average equity | $493,671,250 | 269 |
| Average total loans | $4,618,062,250 | 218 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 3,705 |
| Cost of funding earning assets | 1.6201% | 1,017 |
| Net interest margin | 2.3719% | 4,323 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.2980% | 2,813 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 0.4359% | 3,934 |
| Return on assets (ROA) | 0.4351% | 3,941 |
| Pretax return on assets | 0.4917% | 3,976 |
| Return on Equity (ROE) | 4.7900% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.7928% | 2,996 |
| Net charge-offs to loans | -0.0011% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.0180% | 593 |
| Assets per employee ($millions) | 8.8987% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5241% | 4,362 |
| Loan loss allowance to noncurrent loans | 225.5587% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 2,204 |
| Noncurrent loans to loans | 0.2323% | 2,334 |
| Net loans and leases to total assets | 84.5100% | 242 |
| Net loans and leases to deposits | 106.3738% | 295 |
| Net loans and leases to core deposits | 117.6957% | 582 |
| Total domestic deposits to total assets | 79.4500% | 3,658 |
| Equity capital to assets | 9.0330% | 2,497 |
| Core capital (leverage) ratio | 9.5297% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9376% | 1,334 |
| Memoranda: | ||
| Average total assets | $5,402,087,000 | 259 |
| Average earning assets | $5,089,453,000 | 249 |
| Average equity | $490,364,000 | 262 |
| Average total loans | $4,594,603,667 | 213 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 3,878 |
| Cost of funding earning assets | 1.4086% | 1,006 |
| Net interest margin | 2.3795% | 4,397 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.2797% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3568% | 4,158 |
| Return on assets (ROA) | 0.3553% | 4,116 |
| Pretax return on assets | 0.4540% | 4,053 |
| Return on Equity (ROE) | 3.9000% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.9042% | 3,299 |
| Net charge-offs to loans | 0.0072% | 1,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 74.3537% | 925 |
| Efficiency ratio | 83.3333% | 626 |
| Assets per employee ($millions) | 9.5357% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 4,394 |
| Loan loss allowance to noncurrent loans | 219.2539% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 2,044 |
| Noncurrent loans to loans | 0.2567% | 2,227 |
| Net loans and leases to total assets | 84.4100% | 206 |
| Net loans and leases to deposits | 105.2637% | 274 |
| Net loans and leases to core deposits | 118.5230% | 480 |
| Total domestic deposits to total assets | 80.1900% | 3,735 |
| Equity capital to assets | 8.9834% | 2,535 |
| Core capital (leverage) ratio | 9.6793% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1379% | 1,344 |
| Memoranda: | ||
| Average total assets | $5,348,979,500 | 271 |
| Average earning assets | $5,050,368,500 | 259 |
| Average equity | $486,762,500 | 269 |
| Average total loans | $4,552,008,500 | 219 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 3,282 |
| Cost of funding earning assets | 0.2686% | 3,171 |
| Net interest margin | 3.1571% | 3,001 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.4590% | 2,242 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.8367% | 3,199 |
| Return on assets (ROA) | 0.8367% | 3,123 |
| Pretax return on assets | 1.0613% | 2,887 |
| Return on Equity (ROE) | 8.6400% | 3,220 |
| Retained earnings to average equity (ytd only) | 8.6405% | 1,587 |
| Net charge-offs to loans | -0.0010% | 3,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.2599% | 1,646 |
| Assets per employee ($millions) | 9.2656% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4941% | 4,436 |
| Loan loss allowance to noncurrent loans | 224.2660% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,241 |
| Noncurrent loans to loans | 0.2203% | 2,391 |
| Net loans and leases to total assets | 84.9000% | 210 |
| Net loans and leases to deposits | 107.3691% | 212 |
| Net loans and leases to core deposits | 116.4191% | 440 |
| Total domestic deposits to total assets | 79.0700% | 3,997 |
| Equity capital to assets | 9.2202% | 2,213 |
| Core capital (leverage) ratio | 9.9093% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1567% | 1,327 |
| Memoranda: | ||
| Average total assets | $4,905,094,800 | 275 |
| Average earning assets | $4,640,051,800 | 267 |
| Average equity | $474,985,000 | 274 |
| Average total loans | $4,054,683,000 | 224 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3357% | 3,086 |
| Cost of funding earning assets | 0.0997% | 4,285 |
| Net interest margin | 3.2360% | 2,510 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.5120% | 1,985 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.8432% | 3,089 |
| Return on assets (ROA) | 0.8432% | 3,062 |
| Pretax return on assets | 1.1241% | 2,645 |
| Return on Equity (ROE) | 8.6000% | 3,144 |
| Retained earnings to average equity (ytd only) | 8.5952% | 1,786 |
| Net charge-offs to loans | -0.0024% | 3,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.6150% | 1,808 |
| Assets per employee ($millions) | 9.1046% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5154% | 4,457 |
| Loan loss allowance to noncurrent loans | 251.7245% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 2,413 |
| Noncurrent loans to loans | 0.2047% | 2,576 |
| Net loans and leases to total assets | 84.8800% | 194 |
| Net loans and leases to deposits | 98.0505% | 456 |
| Net loans and leases to core deposits | 104.4232% | 634 |
| Total domestic deposits to total assets | 86.5700% | 2,897 |
| Equity capital to assets | 9.2686% | 2,032 |
| Core capital (leverage) ratio | 10.0454% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4372% | 1,304 |
| Memoranda: | ||
| Average total assets | $4,813,336,750 | 280 |
| Average earning assets | $4,555,724,250 | 273 |
| Average equity | $472,206,250 | 276 |
| Average total loans | $3,943,764,750 | 227 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2266% | 2,967 |
| Cost of funding earning assets | 0.0617% | 4,516 |
| Net interest margin | 3.1649% | 2,307 |
| Noninterest income to average assets | 0.5357% | 2,013 |
| Noninterest expense to average assets | 2.5054% | 1,914 |
| Loan and lease loss provision to assets | -0.0423% | 4,498 |
| Net operating income to assets | 0.8046% | 2,937 |
| Return on assets (ROA) | 0.8046% | 2,909 |
| Pretax return on assets | 1.0688% | 2,519 |
| Return on Equity (ROE) | 8.0429% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.0429% | 1,599 |
| Net charge-offs to loans | 0.0021% | 2,023 |
| Credit loss provision to net charge-offs | -2,439.0244% | 3,688 |
| Earnings coverage of net charge-offs (x) | 592.1707% | 223 |
| Efficiency ratio | 70.9359% | 1,834 |
| Assets per employee ($millions) | 8.3495% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5412% | 4,510 |
| Loan loss allowance to noncurrent loans | 185.7035% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 2,103 |
| Noncurrent loans to loans | 0.2914% | 2,305 |
| Net loans and leases to total assets | 83.4703% | 208 |
| Net loans and leases to deposits | 95.1415% | 468 |
| Net loans and leases to core deposits | 99.3803% | 694 |
| Total domestic deposits to total assets | 87.7328% | 2,680 |
| Equity capital to assets | 9.6839% | 1,892 |
| Core capital (leverage) ratio | 10.3275% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5816% | 1,290 |
| Memoranda: | ||
| Average total assets | $4,730,392,333 | 279 |
| Average earning assets | $4,478,236,000 | 274 |
| Average equity | $473,211,667 | 275 |
| Average total loans | $3,818,679,667 | 227 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1334% | 2,869 |
| Cost of funding earning assets | 0.0604% | 4,524 |
| Net interest margin | 3.0731% | 2,258 |
| Noninterest income to average assets | 0.5220% | 2,032 |
| Noninterest expense to average assets | 2.4689% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7316% | 2,922 |
| Return on assets (ROA) | 0.7316% | 2,914 |
| Pretax return on assets | 0.9649% | 2,558 |
| Return on Equity (ROE) | 7.1933% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.1933% | 1,833 |
| Net charge-offs to loans | 0.0065% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 187.2500% | 451 |
| Efficiency ratio | 71.9006% | 1,987 |
| Assets per employee ($millions) | 8.6541% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6158% | 4,496 |
| Loan loss allowance to noncurrent loans | 204.2929% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 2,190 |
| Noncurrent loans to loans | 0.3014% | 2,382 |
| Net loans and leases to total assets | 79.4333% | 264 |
| Net loans and leases to deposits | 88.5609% | 590 |
| Net loans and leases to core deposits | 92.7014% | 790 |
| Total domestic deposits to total assets | 89.6934% | 1,719 |
| Equity capital to assets | 10.0127% | 1,881 |
| Core capital (leverage) ratio | 10.3971% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4088% | 1,166 |
| Memoranda: | ||
| Average total assets | $4,657,548,000 | 286 |
| Average earning assets | $4,413,164,000 | 278 |
| Average equity | $473,720,500 | 281 |
| Average total loans | $3,681,906,000 | 235 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1437% | 3,600 |
| Cost of funding earning assets | 0.1206% | 4,214 |
| Net interest margin | 3.0230% | 3,137 |
| Noninterest income to average assets | 0.7057% | 1,750 |
| Noninterest expense to average assets | 2.4092% | 2,463 |
| Loan and lease loss provision to assets | -0.1262% | 4,588 |
| Net operating income to assets | 1.0796% | 2,370 |
| Return on assets (ROA) | 1.0796% | 2,445 |
| Pretax return on assets | 1.2884% | 2,397 |
| Return on Equity (ROE) | 10.7895% | 2,241 |
| Retained earnings to average equity (ytd only) | 10.7895% | 743 |
| Net charge-offs to loans | -0.0024% | 3,394 |
| Credit loss provision to net charge-offs | 6,927.7108% | 103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4589% | 2,058 |
| Assets per employee ($millions) | 8.4851% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 4,503 |
| Loan loss allowance to noncurrent loans | 193.2333% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 2,259 |
| Noncurrent loans to loans | 0.3326% | 2,391 |
| Net loans and leases to total assets | 77.6614% | 402 |
| Net loans and leases to deposits | 87.1174% | 706 |
| Net loans and leases to core deposits | 91.5541% | 903 |
| Total domestic deposits to total assets | 89.1456% | 1,438 |
| Equity capital to assets | 10.3322% | 2,337 |
| Core capital (leverage) ratio | 10.0920% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0480% | 1,034 |
| Memoranda: | ||
| Average total assets | $4,555,964,600 | 280 |
| Average earning assets | $4,318,760,600 | 273 |
| Average equity | $455,871,200 | 288 |
| Average total loans | $3,459,015,800 | 245 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1355% | 3,736 |
| Cost of funding earning assets | 0.1361% | 4,219 |
| Net interest margin | 2.9994% | 3,303 |
| Noninterest income to average assets | 0.9480% | 1,153 |
| Noninterest expense to average assets | 2.3663% | 2,545 |
| Loan and lease loss provision to assets | -0.1688% | 4,711 |
| Net operating income to assets | 1.1614% | 2,321 |
| Return on assets (ROA) | 1.1614% | 2,382 |
| Pretax return on assets | 1.5920% | 1,727 |
| Return on Equity (ROE) | 11.7036% | 2,140 |
| Retained earnings to average equity (ytd only) | 11.7036% | 897 |
| Net charge-offs to loans | 0.0003% | 2,454 |
| Credit loss provision to net charge-offs | -82,142.8571% | 4,276 |
| Earnings coverage of net charge-offs (x) | 6,924.5714% | 14 |
| Efficiency ratio | 62.4437% | 2,627 |
| Assets per employee ($millions) | 9.0947% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6657% | 4,559 |
| Loan loss allowance to noncurrent loans | 218.6069% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 2,680 |
| Noncurrent loans to loans | 0.3045% | 2,704 |
| Net loans and leases to total assets | 71.9066% | 884 |
| Net loans and leases to deposits | 80.1077% | 1,285 |
| Net loans and leases to core deposits | 84.0796% | 1,420 |
| Total domestic deposits to total assets | 89.7624% | 886 |
| Equity capital to assets | 9.7732% | 3,130 |
| Core capital (leverage) ratio | 9.8615% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5238% | 1,044 |
| Memoranda: | ||
| Average total assets | $4,540,978,000 | 284 |
| Average earning assets | $4,302,038,000 | 276 |
| Average equity | $450,607,250 | 291 |
| Average total loans | $3,421,778,000 | 248 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1613% | 3,747 |
| Cost of funding earning assets | 0.1535% | 4,179 |
| Net interest margin | 3.0078% | 3,300 |
| Noninterest income to average assets | 1.0523% | 989 |
| Noninterest expense to average assets | 2.3639% | 2,573 |
| Loan and lease loss provision to assets | -0.2019% | 4,757 |
| Net operating income to assets | 1.2762% | 1,931 |
| Return on assets (ROA) | 1.2762% | 2,009 |
| Pretax return on assets | 1.7365% | 1,395 |
| Return on Equity (ROE) | 12.7911% | 1,789 |
| Retained earnings to average equity (ytd only) | 12.7911% | 762 |
| Net charge-offs to loans | -0.0032% | 3,308 |
| Credit loss provision to net charge-offs | 8,181.8182% | 77 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6368% | 2,922 |
| Assets per employee ($millions) | 8.1869% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 4,528 |
| Loan loss allowance to noncurrent loans | 183.4649% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 2,489 |
| Noncurrent loans to loans | 0.3831% | 2,529 |
| Net loans and leases to total assets | 74.5637% | 708 |
| Net loans and leases to deposits | 83.5031% | 1,095 |
| Net loans and leases to core deposits | 88.0928% | 1,260 |
| Total domestic deposits to total assets | 89.2946% | 1,146 |
| Equity capital to assets | 9.9261% | 2,914 |
| Core capital (leverage) ratio | 10.0490% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2469% | 1,073 |
| Memoranda: | ||
| Average total assets | $4,456,996,333 | 285 |
| Average earning assets | $4,217,479,667 | 276 |
| Average equity | $444,669,333 | 293 |
| Average total loans | $3,405,862,667 | 249 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1871% | 3,715 |
| Cost of funding earning assets | 0.1813% | 4,069 |
| Net interest margin | 3.0058% | 3,242 |
| Noninterest income to average assets | 1.1444% | 927 |
| Noninterest expense to average assets | 2.3136% | 2,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2305% | 2,044 |
| Return on assets (ROA) | 1.2305% | 2,127 |
| Pretax return on assets | 1.6732% | 1,553 |
| Return on Equity (ROE) | 12.2999% | 1,904 |
| Retained earnings to average equity (ytd only) | 12.2999% | 1,074 |
| Net charge-offs to loans | -0.0038% | 3,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0318% | 3,295 |
| Assets per employee ($millions) | 8.2679% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 4,316 |
| Loan loss allowance to noncurrent loans | 212.2016% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 2,607 |
| Noncurrent loans to loans | 0.3968% | 2,679 |
| Net loans and leases to total assets | 76.2003% | 616 |
| Net loans and leases to deposits | 85.5996% | 987 |
| Net loans and leases to core deposits | 90.6852% | 1,186 |
| Total domestic deposits to total assets | 89.0195% | 1,333 |
| Equity capital to assets | 9.9354% | 2,763 |
| Core capital (leverage) ratio | 10.1818% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1712% | 1,042 |
| Memoranda: | ||
| Average total assets | $4,372,693,000 | 288 |
| Average earning assets | $4,135,087,500 | 280 |
| Average equity | $437,433,000 | 293 |
| Average total loans | $3,372,077,500 | 251 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6698% | 3,656 |
| Cost of funding earning assets | 0.4823% | 3,065 |
| Net interest margin | 3.1875% | 3,392 |
| Noninterest income to average assets | 1.0226% | 1,007 |
| Noninterest expense to average assets | 2.7341% | 2,133 |
| Loan and lease loss provision to assets | 0.2648% | 1,457 |
| Net operating income to assets | 0.7916% | 3,128 |
| Return on assets (ROA) | 0.8213% | 3,135 |
| Pretax return on assets | 1.0503% | 2,878 |
| Return on Equity (ROE) | 8.5590% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.5590% | 892 |
| Net charge-offs to loans | 0.0002% | 3,439 |
| Credit loss provision to net charge-offs | 150,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 7,236.7143% | 8 |
| Efficiency ratio | 68.1563% | 2,219 |
| Assets per employee ($millions) | 7.8835% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 4,270 |
| Loan loss allowance to noncurrent loans | 198.8080% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 2,635 |
| Noncurrent loans to loans | 0.4381% | 2,657 |
| Net loans and leases to total assets | 76.7237% | 720 |
| Net loans and leases to deposits | 87.4981% | 1,136 |
| Net loans and leases to core deposits | 93.4908% | 1,274 |
| Total domestic deposits to total assets | 87.6861% | 1,616 |
| Equity capital to assets | 10.0750% | 3,059 |
| Core capital (leverage) ratio | 10.0274% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0473% | 1,049 |
| Memoranda: | ||
| Average total assets | $3,965,616,000 | 291 |
| Average earning assets | $3,718,502,400 | 284 |
| Average equity | $380,545,400 | 306 |
| Average total loans | $3,219,951,400 | 252 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 3,747 |
| Cost of funding earning assets | 0.5624% | 2,853 |
| Net interest margin | 3.1623% | 3,586 |
| Noninterest income to average assets | 1.1122% | 840 |
| Noninterest expense to average assets | 2.6964% | 2,270 |
| Loan and lease loss provision to assets | 0.3602% | 1,037 |
| Net operating income to assets | 0.7616% | 3,245 |
| Return on assets (ROA) | 0.8021% | 3,197 |
| Pretax return on assets | 1.0659% | 2,863 |
| Return on Equity (ROE) | 8.4747% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.4747% | 1,147 |
| Net charge-offs to loans | 0.0047% | 2,980 |
| Credit loss provision to net charge-offs | 9,375.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 357.8304% | 315 |
| Efficiency ratio | 66.2313% | 2,442 |
| Assets per employee ($millions) | 7.8879% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,159 |
| Loan loss allowance to noncurrent loans | 181.8930% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 2,640 |
| Noncurrent loans to loans | 0.4780% | 2,625 |
| Net loans and leases to total assets | 78.5611% | 765 |
| Net loans and leases to deposits | 88.6896% | 1,404 |
| Net loans and leases to core deposits | 95.7714% | 1,472 |
| Total domestic deposits to total assets | 88.5798% | 945 |
| Equity capital to assets | 9.1574% | 3,993 |
| Core capital (leverage) ratio | 9.2198% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2595% | 1,433 |
| Memoranda: | ||
| Average total assets | $3,886,835,000 | 291 |
| Average earning assets | $3,636,869,750 | 286 |
| Average equity | $367,860,750 | 307 |
| Average total loans | $3,196,640,250 | 252 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 3,853 |
| Cost of funding earning assets | 0.6671% | 2,580 |
| Net interest margin | 3.1345% | 3,826 |
| Noninterest income to average assets | 1.1215% | 790 |
| Noninterest expense to average assets | 2.6798% | 2,448 |
| Loan and lease loss provision to assets | 0.5011% | 713 |
| Net operating income to assets | 0.6648% | 3,529 |
| Return on assets (ROA) | 0.6818% | 3,561 |
| Pretax return on assets | 0.9006% | 3,312 |
| Return on Equity (ROE) | 7.1190% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.1190% | 1,611 |
| Net charge-offs to loans | 0.0116% | 2,546 |
| Credit loss provision to net charge-offs | 5,191.2568% | 228 |
| Earnings coverage of net charge-offs (x) | 142.9836% | 551 |
| Efficiency ratio | 66.0041% | 2,516 |
| Assets per employee ($millions) | 7.1861% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 4,221 |
| Loan loss allowance to noncurrent loans | 178.1260% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 2,622 |
| Noncurrent loans to loans | 0.4713% | 2,736 |
| Net loans and leases to total assets | 81.9733% | 416 |
| Net loans and leases to deposits | 94.2464% | 942 |
| Net loans and leases to core deposits | 102.4498% | 1,091 |
| Total domestic deposits to total assets | 86.9776% | 1,628 |
| Equity capital to assets | 9.3349% | 3,795 |
| Core capital (leverage) ratio | 9.4649% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8313% | 1,541 |
| Memoranda: | ||
| Average total assets | $3,791,546,000 | 294 |
| Average earning assets | $3,554,444,333 | 287 |
| Average equity | $363,110,667 | 311 |
| Average total loans | $3,159,897,000 | 252 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8879% | 4,057 |
| Cost of funding earning assets | 0.8028% | 2,379 |
| Net interest margin | 3.0851% | 4,127 |
| Noninterest income to average assets | 0.8286% | 1,231 |
| Noninterest expense to average assets | 2.8123% | 2,396 |
| Loan and lease loss provision to assets | 0.2166% | 1,423 |
| Net operating income to assets | 0.5316% | 3,802 |
| Return on assets (ROA) | 0.5666% | 3,759 |
| Pretax return on assets | 0.7390% | 3,570 |
| Return on Equity (ROE) | 5.8363% | 3,376 |
| Retained earnings to average equity (ytd only) | 5.8363% | 1,943 |
| Net charge-offs to loans | 0.0038% | 2,449 |
| Credit loss provision to net charge-offs | 6,896.5517% | 110 |
| Earnings coverage of net charge-offs (x) | 290.1724% | 247 |
| Efficiency ratio | 75.5243% | 1,615 |
| Assets per employee ($millions) | 6.9037% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6472% | 4,692 |
| Loan loss allowance to noncurrent loans | 139.9959% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 2,834 |
| Noncurrent loans to loans | 0.4623% | 2,868 |
| Net loans and leases to total assets | 83.7329% | 286 |
| Net loans and leases to deposits | 100.7913% | 502 |
| Net loans and leases to core deposits | 110.9314% | 806 |
| Total domestic deposits to total assets | 83.0756% | 3,084 |
| Equity capital to assets | 9.6929% | 4,050 |
| Core capital (leverage) ratio | 9.7533% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2551% | 1,823 |
| Memoranda: | ||
| Average total assets | $3,693,186,000 | 294 |
| Average earning assets | $3,465,834,000 | 285 |
| Average equity | $358,515,500 | 313 |
| Average total loans | $3,091,348,500 | 253 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 4,215 |
| Cost of funding earning assets | 0.8837% | 2,265 |
| Net interest margin | 3.1339% | 4,318 |
| Noninterest income to average assets | 0.8422% | 1,321 |
| Noninterest expense to average assets | 2.7992% | 2,603 |
| Loan and lease loss provision to assets | 0.0064% | 3,880 |
| Net operating income to assets | 0.7463% | 3,711 |
| Return on assets (ROA) | 0.7598% | 3,752 |
| Pretax return on assets | 0.9950% | 3,469 |
| Return on Equity (ROE) | 7.9265% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.9265% | 1,001 |
| Net charge-offs to loans | -0.0136% | 4,549 |
| Credit loss provision to net charge-offs | -56.3910% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9867% | 1,602 |
| Assets per employee ($millions) | 6.6275% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6039% | 4,732 |
| Loan loss allowance to noncurrent loans | 128.8652% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 2,850 |
| Noncurrent loans to loans | 0.4686% | 2,777 |
| Net loans and leases to total assets | 82.6170% | 475 |
| Net loans and leases to deposits | 98.9495% | 672 |
| Net loans and leases to core deposits | 109.8059% | 862 |
| Total domestic deposits to total assets | 83.4942% | 3,022 |
| Equity capital to assets | 9.7223% | 4,173 |
| Core capital (leverage) ratio | 9.7357% | 3,808 |
| Tier 1 risk-based capital ratio | 14.7648% | 2,877 |
| Total risk-based capital ratio | 15.5338% | 3,041 |
| Memoranda: | ||
| Average total assets | $3,538,954,400 | 287 |
| Average earning assets | $3,321,381,600 | 278 |
| Average equity | $339,229,400 | 314 |
| Average total loans | $2,941,628,200 | 258 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 4,316 |
| Cost of funding earning assets | 0.8865% | 2,289 |
| Net interest margin | 3.1355% | 4,425 |
| Noninterest income to average assets | 0.7818% | 1,478 |
| Noninterest expense to average assets | 2.7662% | 2,665 |
| Loan and lease loss provision to assets | 0.0085% | 3,718 |
| Net operating income to assets | 0.7218% | 3,939 |
| Return on assets (ROA) | 0.7407% | 3,944 |
| Pretax return on assets | 0.9733% | 3,671 |
| Return on Equity (ROE) | 7.7559% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.7559% | 1,510 |
| Net charge-offs to loans | -0.0190% | 4,574 |
| Credit loss provision to net charge-offs | -54.2169% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2777% | 1,522 |
| Assets per employee ($millions) | 6.7877% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6065% | 4,806 |
| Loan loss allowance to noncurrent loans | 133.0389% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 2,976 |
| Noncurrent loans to loans | 0.4559% | 2,937 |
| Net loans and leases to total assets | 83.2476% | 423 |
| Net loans and leases to deposits | 99.3522% | 696 |
| Net loans and leases to core deposits | 109.8351% | 957 |
| Total domestic deposits to total assets | 83.7903% | 2,899 |
| Equity capital to assets | 9.6409% | 4,345 |
| Core capital (leverage) ratio | 9.7302% | 3,934 |
| Tier 1 risk-based capital ratio | 14.5322% | 3,060 |
| Total risk-based capital ratio | 15.3060% | 3,207 |
| Memoranda: | ||
| Average total assets | $3,509,102,750 | 292 |
| Average earning assets | $3,293,047,750 | 284 |
| Average equity | $335,117,250 | 319 |
| Average total loans | $2,916,837,500 | 263 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0110% | 4,354 |
| Cost of funding earning assets | 0.8838% | 2,224 |
| Net interest margin | 3.1272% | 4,488 |
| Noninterest income to average assets | 0.7187% | 1,637 |
| Noninterest expense to average assets | 2.7364% | 2,798 |
| Loan and lease loss provision to assets | 0.0130% | 3,510 |
| Net operating income to assets | 0.6906% | 4,034 |
| Return on assets (ROA) | 0.7192% | 3,998 |
| Pretax return on assets | 0.9416% | 3,733 |
| Return on Equity (ROE) | 7.5557% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.5557% | 1,576 |
| Net charge-offs to loans | -0.0196% | 4,542 |
| Credit loss provision to net charge-offs | -79.7872% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8716% | 1,529 |
| Assets per employee ($millions) | 6.2065% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 4,841 |
| Loan loss allowance to noncurrent loans | 125.6976% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 2,863 |
| Noncurrent loans to loans | 0.4906% | 2,811 |
| Net loans and leases to total assets | 83.4132% | 420 |
| Net loans and leases to deposits | 98.2836% | 814 |
| Net loans and leases to core deposits | 109.6286% | 996 |
| Total domestic deposits to total assets | 84.8700% | 2,536 |
| Equity capital to assets | 9.6581% | 4,266 |
| Core capital (leverage) ratio | 9.6885% | 3,944 |
| Tier 1 risk-based capital ratio | 14.6019% | 3,016 |
| Total risk-based capital ratio | 15.3898% | 3,165 |
| Memoranda: | ||
| Average total assets | $3,472,862,330 | 295 |
| Average earning assets | $3,260,587,670 | 288 |
| Average equity | $330,560,000 | 323 |
| Average total loans | $2,879,073,670 | 264 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 4,389 |
| Cost of funding earning assets | 0.8527% | 2,257 |
| Net interest margin | 3.1376% | 4,519 |
| Noninterest income to average assets | 0.7186% | 1,550 |
| Noninterest expense to average assets | 2.6802% | 2,967 |
| Loan and lease loss provision to assets | 0.0261% | 3,086 |
| Net operating income to assets | 0.7352% | 3,822 |
| Return on assets (ROA) | 0.7352% | 3,876 |
| Pretax return on assets | 0.9626% | 3,576 |
| Return on Equity (ROE) | 7.7825% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.7825% | 1,745 |
| Net charge-offs to loans | -0.0025% | 3,898 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0522% | 1,875 |
| Assets per employee ($millions) | 6.7065% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6261% | 4,891 |
| Loan loss allowance to noncurrent loans | 140.0389% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 3,113 |
| Noncurrent loans to loans | 0.4471% | 2,983 |
| Net loans and leases to total assets | 82.3085% | 557 |
| Net loans and leases to deposits | 99.7533% | 656 |
| Net loans and leases to core deposits | 110.5233% | 899 |
| Total domestic deposits to total assets | 82.5121% | 3,576 |
| Equity capital to assets | 9.5374% | 4,223 |
| Core capital (leverage) ratio | 9.6590% | 3,960 |
| Tier 1 risk-based capital ratio | 14.6523% | 3,032 |
| Total risk-based capital ratio | 15.4459% | 3,167 |
| Memoranda: | ||
| Average total assets | $3,446,640,000 | 296 |
| Average earning assets | $3,240,868,000 | 290 |
| Average equity | $325,601,500 | 329 |
| Average total loans | $2,839,201,500 | 268 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 4,459 |
| Cost of funding earning assets | 0.6481% | 2,405 |
| Net interest margin | 3.1647% | 4,547 |
| Noninterest income to average assets | 0.6602% | 2,012 |
| Noninterest expense to average assets | 2.7246% | 2,946 |
| Loan and lease loss provision to assets | 0.0224% | 3,721 |
| Net operating income to assets | 0.7345% | 4,027 |
| Return on assets (ROA) | 0.7345% | 4,030 |
| Pretax return on assets | 0.8874% | 3,926 |
| Return on Equity (ROE) | 7.9572% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.9572% | 1,253 |
| Net charge-offs to loans | -0.0027% | 4,273 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9661% | 1,502 |
| Assets per employee ($millions) | 6.5257% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6320% | 4,924 |
| Loan loss allowance to noncurrent loans | 138.9908% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,061 |
| Noncurrent loans to loans | 0.4547% | 2,902 |
| Net loans and leases to total assets | 81.4016% | 749 |
| Net loans and leases to deposits | 98.9201% | 825 |
| Net loans and leases to core deposits | 108.6439% | 1,077 |
| Total domestic deposits to total assets | 82.2903% | 3,558 |
| Equity capital to assets | 9.3554% | 4,262 |
| Core capital (leverage) ratio | 9.6142% | 3,990 |
| Tier 1 risk-based capital ratio | 14.7282% | 2,954 |
| Total risk-based capital ratio | 15.5304% | 3,093 |
| Memoranda: | ||
| Average total assets | $3,344,758,800 | 298 |
| Average earning assets | $3,143,445,000 | 291 |
| Average equity | $308,740,600 | 337 |
| Average total loans | $2,766,124,200 | 268 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 4,491 |
| Cost of funding earning assets | 0.6234% | 2,313 |
| Net interest margin | 3.1522% | 4,611 |
| Noninterest income to average assets | 0.7511% | 1,671 |
| Noninterest expense to average assets | 2.7079% | 2,957 |
| Loan and lease loss provision to assets | 0.0301% | 3,417 |
| Net operating income to assets | 0.7371% | 4,120 |
| Return on assets (ROA) | 0.7371% | 4,131 |
| Pretax return on assets | 0.9759% | 3,793 |
| Return on Equity (ROE) | 8.0134% | 3,546 |
| Retained earnings to average equity (ytd only) | 8.0134% | 1,648 |
| Net charge-offs to loans | 0.0010% | 3,464 |
| Credit loss provision to net charge-offs | 3,571.4286% | 119 |
| Earnings coverage of net charge-offs (x) | 1,194.3986% | 66 |
| Efficiency ratio | 72.9128% | 1,748 |
| Assets per employee ($millions) | 6.7059% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 5,011 |
| Loan loss allowance to noncurrent loans | 137.8820% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 3,181 |
| Noncurrent loans to loans | 0.4494% | 3,047 |
| Net loans and leases to total assets | 82.7408% | 596 |
| Net loans and leases to deposits | 101.0199% | 704 |
| Net loans and leases to core deposits | 108.5328% | 1,129 |
| Total domestic deposits to total assets | 81.9054% | 3,643 |
| Equity capital to assets | 9.1693% | 4,403 |
| Core capital (leverage) ratio | 9.3932% | 4,283 |
| Tier 1 risk-based capital ratio | 14.4393% | 3,154 |
| Total risk-based capital ratio | 15.2367% | 3,287 |
| Memoranda: | ||
| Average total assets | $3,324,450,000 | 298 |
| Average earning assets | $3,124,575,000 | 290 |
| Average equity | $305,797,250 | 337 |
| Average total loans | $2,756,017,250 | 267 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7119% | 4,556 |
| Cost of funding earning assets | 0.5827% | 2,347 |
| Net interest margin | 3.1291% | 4,665 |
| Noninterest income to average assets | 0.7357% | 1,709 |
| Noninterest expense to average assets | 2.6968% | 3,027 |
| Loan and lease loss provision to assets | 0.0456% | 2,995 |
| Net operating income to assets | 0.7085% | 4,170 |
| Return on assets (ROA) | 0.7085% | 4,173 |
| Pretax return on assets | 0.9357% | 3,856 |
| Return on Equity (ROE) | 7.6939% | 3,628 |
| Retained earnings to average equity (ytd only) | 7.6939% | 1,757 |
| Net charge-offs to loans | 0.0074% | 2,865 |
| Credit loss provision to net charge-offs | 742.5743% | 539 |
| Earnings coverage of net charge-offs (x) | 159.9406% | 491 |
| Efficiency ratio | 73.3221% | 1,801 |
| Assets per employee ($millions) | 6.2415% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 5,058 |
| Loan loss allowance to noncurrent loans | 139.1601% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 3,227 |
| Noncurrent loans to loans | 0.4490% | 3,094 |
| Net loans and leases to total assets | 82.7184% | 622 |
| Net loans and leases to deposits | 100.6339% | 765 |
| Net loans and leases to core deposits | 109.9862% | 1,003 |
| Total domestic deposits to total assets | 82.1973% | 3,656 |
| Equity capital to assets | 9.1090% | 4,473 |
| Core capital (leverage) ratio | 9.4289% | 4,202 |
| Tier 1 risk-based capital ratio | 14.3040% | 3,206 |
| Total risk-based capital ratio | 15.1072% | 3,344 |
| Memoranda: | ||
| Average total assets | $3,292,602,330 | 296 |
| Average earning assets | $3,096,068,000 | 290 |
| Average equity | $303,199,330 | 336 |
| Average total loans | $2,725,566,000 | 268 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 4,585 |
| Cost of funding earning assets | 0.5294% | 2,544 |
| Net interest margin | 3.1231% | 4,658 |
| Noninterest income to average assets | 0.7189% | 1,749 |
| Noninterest expense to average assets | 2.6741% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7433% | 3,928 |
| Return on assets (ROA) | 0.7433% | 3,930 |
| Pretax return on assets | 0.9841% | 3,588 |
| Return on Equity (ROE) | 8.0263% | 3,351 |
| Retained earnings to average equity (ytd only) | 8.0263% | 1,822 |
| Net charge-offs to loans | -0.0045% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0994% | 2,028 |
| Assets per employee ($millions) | 6.5853% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6252% | 5,140 |
| Loan loss allowance to noncurrent loans | 132.0577% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 3,270 |
| Noncurrent loans to loans | 0.4734% | 3,108 |
| Net loans and leases to total assets | 82.2899% | 629 |
| Net loans and leases to deposits | 99.9280% | 711 |
| Net loans and leases to core deposits | 108.4346% | 1,093 |
| Total domestic deposits to total assets | 82.3492% | 3,859 |
| Equity capital to assets | 9.2531% | 4,313 |
| Core capital (leverage) ratio | 9.5242% | 4,043 |
| Tier 1 risk-based capital ratio | 14.5128% | 3,111 |
| Total risk-based capital ratio | 15.3134% | 3,262 |
| Memoranda: | ||
| Average total assets | $3,250,577,000 | 301 |
| Average earning assets | $3,059,235,500 | 293 |
| Average equity | $301,009,500 | 339 |
| Average total loans | $2,683,012,000 | 270 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5754% | 4,625 |
| Cost of funding earning assets | 0.4731% | 2,576 |
| Net interest margin | 3.1023% | 4,691 |
| Noninterest income to average assets | 0.7612% | 1,728 |
| Noninterest expense to average assets | 2.6926% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6633% | 3,764 |
| Return on assets (ROA) | 0.6634% | 3,802 |
| Pretax return on assets | 0.9900% | 3,617 |
| Return on Equity (ROE) | 7.1994% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.1994% | 1,010 |
| Net charge-offs to loans | 0.0003% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 3,899.2500% | 15 |
| Efficiency ratio | 73.1188% | 2,043 |
| Assets per employee ($millions) | 6.4053% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6368% | 5,178 |
| Loan loss allowance to noncurrent loans | 134.3688% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 3,259 |
| Noncurrent loans to loans | 0.4739% | 3,087 |
| Net loans and leases to total assets | 81.7439% | 717 |
| Net loans and leases to deposits | 99.5663% | 767 |
| Net loans and leases to core deposits | 105.5066% | 1,295 |
| Total domestic deposits to total assets | 82.1000% | 3,846 |
| Equity capital to assets | 9.2673% | 4,461 |
| Core capital (leverage) ratio | 9.5066% | 4,044 |
| Tier 1 risk-based capital ratio | 14.4838% | 3,096 |
| Total risk-based capital ratio | 15.2974% | 3,235 |
| Memoranda: | ||
| Average total assets | $3,151,273,800 | 293 |
| Average earning assets | $2,967,367,800 | 284 |
| Average equity | $290,356,600 | 335 |
| Average total loans | $2,624,809,800 | 268 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5701% | 4,634 |
| Cost of funding earning assets | 0.4711% | 2,510 |
| Net interest margin | 3.0991% | 4,715 |
| Noninterest income to average assets | 0.9670% | 1,098 |
| Noninterest expense to average assets | 2.7029% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7547% | 3,714 |
| Return on assets (ROA) | 0.7548% | 3,778 |
| Pretax return on assets | 1.1836% | 2,969 |
| Return on Equity (ROE) | 8.2038% | 3,020 |
| Retained earnings to average equity (ytd only) | 8.2038% | 1,134 |
| Net charge-offs to loans | 0.0021% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 661.8645% | 155 |
| Efficiency ratio | 69.5490% | 2,612 |
| Assets per employee ($millions) | 6.5495% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6640% | 5,218 |
| Loan loss allowance to noncurrent loans | 144.3760% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 3,544 |
| Noncurrent loans to loans | 0.4599% | 3,326 |
| Net loans and leases to total assets | 80.1532% | 967 |
| Net loans and leases to deposits | 94.7850% | 1,225 |
| Net loans and leases to core deposits | 100.3629% | 1,674 |
| Total domestic deposits to total assets | 84.5632% | 2,895 |
| Equity capital to assets | 9.4362% | 4,501 |
| Core capital (leverage) ratio | 9.4680% | 4,206 |
| Tier 1 risk-based capital ratio | 14.8577% | 2,985 |
| Total risk-based capital ratio | 15.7002% | 3,125 |
| Memoranda: | ||
| Average total assets | $3,132,022,500 | 295 |
| Average earning assets | $2,950,321,250 | 285 |
| Average equity | $288,152,000 | 339 |
| Average total loans | $2,617,053,500 | 267 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 4,664 |
| Cost of funding earning assets | 0.4688% | 2,422 |
| Net interest margin | 3.0686% | 4,748 |
| Noninterest income to average assets | 0.8875% | 1,314 |
| Noninterest expense to average assets | 2.6622% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7268% | 3,726 |
| Return on assets (ROA) | 0.7268% | 3,792 |
| Pretax return on assets | 1.1237% | 3,075 |
| Return on Equity (ROE) | 7.9688% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.9688% | 1,178 |
| Net charge-offs to loans | 0.0043% | 3,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 308.1228% | 273 |
| Efficiency ratio | 70.3187% | 2,619 |
| Assets per employee ($millions) | 5.9858% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 5,327 |
| Loan loss allowance to noncurrent loans | 151.4504% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 3,701 |
| Noncurrent loans to loans | 0.4195% | 3,521 |
| Net loans and leases to total assets | 83.9363% | 452 |
| Net loans and leases to deposits | 101.2749% | 656 |
| Net loans and leases to core deposits | 107.1830% | 1,147 |
| Total domestic deposits to total assets | 82.8796% | 3,603 |
| Equity capital to assets | 9.2627% | 4,662 |
| Core capital (leverage) ratio | 9.3111% | 4,356 |
| Tier 1 risk-based capital ratio | 14.3987% | 3,223 |
| Total risk-based capital ratio | 15.2323% | 3,352 |
| Memoranda: | ||
| Average total assets | $3,125,926,000 | 299 |
| Average earning assets | $2,952,441,670 | 288 |
| Average equity | $285,112,670 | 342 |
| Average total loans | $2,642,086,330 | 268 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 4,714 |
| Cost of funding earning assets | 0.4586% | 2,445 |
| Net interest margin | 3.0336% | 4,823 |
| Noninterest income to average assets | 0.8422% | 1,425 |
| Noninterest expense to average assets | 2.6013% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7406% | 3,516 |
| Return on assets (ROA) | 0.7406% | 3,570 |
| Pretax return on assets | 1.1076% | 2,950 |
| Return on Equity (ROE) | 8.1835% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.1835% | 1,385 |
| Net charge-offs to loans | 0.0046% | 2,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 287.7667% | 207 |
| Efficiency ratio | 70.1363% | 2,865 |
| Assets per employee ($millions) | 6.5228% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6431% | 5,409 |
| Loan loss allowance to noncurrent loans | 173.9547% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 3,944 |
| Noncurrent loans to loans | 0.3697% | 3,772 |
| Net loans and leases to total assets | 83.6990% | 402 |
| Net loans and leases to deposits | 102.5620% | 470 |
| Net loans and leases to core deposits | 109.1827% | 919 |
| Total domestic deposits to total assets | 81.6082% | 4,275 |
| Equity capital to assets | 9.1451% | 4,665 |
| Core capital (leverage) ratio | 9.2251% | 4,441 |
| Tier 1 risk-based capital ratio | 14.3236% | 3,303 |
| Total risk-based capital ratio | 15.1704% | 3,438 |
| Memoranda: | ||
| Average total assets | $3,117,627,500 | 303 |
| Average earning assets | $2,946,203,500 | 290 |
| Average equity | $282,128,000 | 344 |
| Average total loans | $2,635,839,500 | 267 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 4,849 |
| Cost of funding earning assets | 0.4298% | 2,707 |
| Net interest margin | 3.0379% | 4,882 |
| Noninterest income to average assets | 0.8488% | 1,581 |
| Noninterest expense to average assets | 2.7266% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6502% | 4,000 |
| Return on assets (ROA) | 0.6575% | 4,083 |
| Pretax return on assets | 1.0148% | 3,424 |
| Return on Equity (ROE) | 7.2571% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.2571% | 1,131 |
| Net charge-offs to loans | -0.0092% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0983% | 2,416 |
| Assets per employee ($millions) | 6.4143% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6397% | 5,468 |
| Loan loss allowance to noncurrent loans | 170.7640% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 4,003 |
| Noncurrent loans to loans | 0.3746% | 3,783 |
| Net loans and leases to total assets | 84.3091% | 358 |
| Net loans and leases to deposits | 105.9389% | 345 |
| Net loans and leases to core deposits | 113.5074% | 721 |
| Total domestic deposits to total assets | 79.5828% | 4,664 |
| Equity capital to assets | 8.9538% | 4,861 |
| Core capital (leverage) ratio | 9.1555% | 4,543 |
| Tier 1 risk-based capital ratio | 14.0990% | 3,413 |
| Total risk-based capital ratio | 14.9513% | 3,555 |
| Memoranda: | ||
| Average total assets | $2,991,178,800 | 295 |
| Average earning assets | $2,837,011,400 | 285 |
| Average equity | $271,017,800 | 340 |
| Average total loans | $2,538,292,400 | 260 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 4,898 |
| Cost of funding earning assets | 0.4256% | 2,773 |
| Net interest margin | 3.0418% | 4,922 |
| Noninterest income to average assets | 0.8997% | 1,406 |
| Noninterest expense to average assets | 2.7276% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6548% | 4,059 |
| Return on assets (ROA) | 0.6647% | 4,144 |
| Pretax return on assets | 1.0748% | 3,334 |
| Return on Equity (ROE) | 7.3130% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.3130% | 1,478 |
| Net charge-offs to loans | -0.0072% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0249% | 2,576 |
| Assets per employee ($millions) | 6.4776% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6530% | 5,521 |
| Loan loss allowance to noncurrent loans | 114.3187% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 3,474 |
| Noncurrent loans to loans | 0.5712% | 3,287 |
| Net loans and leases to total assets | 84.0668% | 406 |
| Net loans and leases to deposits | 102.7460% | 523 |
| Net loans and leases to core deposits | 108.9146% | 990 |
| Total domestic deposits to total assets | 81.8201% | 3,993 |
| Equity capital to assets | 9.1025% | 5,070 |
| Core capital (leverage) ratio | 9.1435% | 4,668 |
| Tier 1 risk-based capital ratio | 14.2290% | 3,442 |
| Total risk-based capital ratio | 15.0994% | 3,564 |
| Memoranda: | ||
| Average total assets | $2,959,635,500 | 298 |
| Average earning assets | $2,809,335,250 | 285 |
| Average equity | $268,992,000 | 342 |
| Average total loans | $2,511,582,250 | 261 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4617% | 4,959 |
| Cost of funding earning assets | 0.4232% | 2,801 |
| Net interest margin | 3.0385% | 4,997 |
| Noninterest income to average assets | 0.8619% | 1,507 |
| Noninterest expense to average assets | 2.7275% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6321% | 4,135 |
| Return on assets (ROA) | 0.6439% | 4,217 |
| Pretax return on assets | 1.0428% | 3,425 |
| Return on Equity (ROE) | 7.0887% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.0887% | 1,560 |
| Net charge-offs to loans | -0.0104% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6974% | 2,564 |
| Assets per employee ($millions) | 6.1918% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 5,588 |
| Loan loss allowance to noncurrent loans | 111.4078% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 3,509 |
| Noncurrent loans to loans | 0.5925% | 3,291 |
| Net loans and leases to total assets | 83.9314% | 423 |
| Net loans and leases to deposits | 103.2900% | 491 |
| Net loans and leases to core deposits | 109.4186% | 961 |
| Total domestic deposits to total assets | 81.2580% | 4,201 |
| Equity capital to assets | 9.0269% | 5,217 |
| Core capital (leverage) ratio | 9.1800% | 4,623 |
| Tier 1 risk-based capital ratio | 13.9873% | 3,611 |
| Total risk-based capital ratio | 14.8595% | 3,753 |
| Memoranda: | ||
| Average total assets | $2,931,353,670 | 296 |
| Average earning assets | $2,788,130,000 | 287 |
| Average equity | $266,281,330 | 343 |
| Average total loans | $2,490,036,000 | 261 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 4,946 |
| Cost of funding earning assets | 0.4222% | 2,841 |
| Net interest margin | 3.0536% | 4,989 |
| Noninterest income to average assets | 0.8498% | 1,442 |
| Noninterest expense to average assets | 2.6833% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6604% | 3,931 |
| Return on assets (ROA) | 0.6843% | 3,907 |
| Pretax return on assets | 1.1136% | 3,040 |
| Return on Equity (ROE) | 7.5087% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.5087% | 1,662 |
| Net charge-offs to loans | -0.0393% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3728% | 2,889 |
| Assets per employee ($millions) | 6.4132% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 5,618 |
| Loan loss allowance to noncurrent loans | 109.5161% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 3,473 |
| Noncurrent loans to loans | 0.6258% | 3,297 |
| Net loans and leases to total assets | 85.0016% | 294 |
| Net loans and leases to deposits | 102.8477% | 472 |
| Net loans and leases to core deposits | 109.3100% | 887 |
| Total domestic deposits to total assets | 82.6480% | 4,020 |
| Equity capital to assets | 9.2487% | 4,941 |
| Core capital (leverage) ratio | 9.2312% | 4,562 |
| Tier 1 risk-based capital ratio | 14.4436% | 3,419 |
| Total risk-based capital ratio | 15.3657% | 3,538 |
| Memoranda: | ||
| Average total assets | $2,889,319,500 | 295 |
| Average earning assets | $2,753,197,000 | 287 |
| Average equity | $263,322,500 | 342 |
| Average total loans | $2,461,203,000 | 263 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 5,155 |
| Cost of funding earning assets | 0.4232% | 2,910 |
| Net interest margin | 2.9784% | 5,186 |
| Noninterest income to average assets | 0.8561% | 1,588 |
| Noninterest expense to average assets | 2.8842% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4951% | 4,712 |
| Return on assets (ROA) | 0.5054% | 4,759 |
| Pretax return on assets | 0.8262% | 4,111 |
| Return on Equity (ROE) | 5.6265% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.6265% | 1,998 |
| Net charge-offs to loans | 0.0548% | 3,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 17.5712% | 2,064 |
| Efficiency ratio | 78.0748% | 1,955 |
| Assets per employee ($millions) | 6.3297% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 5,666 |
| Loan loss allowance to noncurrent loans | 126.6758% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 3,786 |
| Noncurrent loans to loans | 0.5372% | 3,552 |
| Net loans and leases to total assets | 84.2015% | 372 |
| Net loans and leases to deposits | 102.7766% | 499 |
| Net loans and leases to core deposits | 108.9646% | 922 |
| Total domestic deposits to total assets | 81.9267% | 4,185 |
| Equity capital to assets | 8.9789% | 5,144 |
| Core capital (leverage) ratio | 9.1206% | 4,729 |
| Tier 1 risk-based capital ratio | 14.3376% | 3,530 |
| Total risk-based capital ratio | 15.2569% | 3,636 |
| Memoranda: | ||
| Average total assets | $2,818,115,400 | 293 |
| Average earning assets | $2,685,221,400 | 284 |
| Average equity | $253,158,200 | 345 |
| Average total loans | $2,371,713,400 | 252 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 5,225 |
| Cost of funding earning assets | 0.4228% | 2,981 |
| Net interest margin | 2.9662% | 5,275 |
| Noninterest income to average assets | 0.8631% | 1,573 |
| Noninterest expense to average assets | 2.9140% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4718% | 4,887 |
| Return on assets (ROA) | 0.4819% | 4,951 |
| Pretax return on assets | 0.7928% | 4,359 |
| Return on Equity (ROE) | 5.3642% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.3642% | 2,669 |
| Net charge-offs to loans | 0.0616% | 2,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 15.0231% | 2,211 |
| Efficiency ratio | 78.9484% | 1,814 |
| Assets per employee ($millions) | 6.4664% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 5,710 |
| Loan loss allowance to noncurrent loans | 134.3616% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 4,021 |
| Noncurrent loans to loans | 0.5282% | 3,762 |
| Net loans and leases to total assets | 82.9162% | 482 |
| Net loans and leases to deposits | 98.6688% | 759 |
| Net loans and leases to core deposits | 103.8042% | 1,245 |
| Total domestic deposits to total assets | 84.0349% | 3,408 |
| Equity capital to assets | 9.0255% | 5,286 |
| Core capital (leverage) ratio | 9.0157% | 4,974 |
| Tier 1 risk-based capital ratio | 14.4096% | 3,620 |
| Total risk-based capital ratio | 15.3604% | 3,723 |
| Memoranda: | ||
| Average total assets | $2,799,473,500 | 301 |
| Average earning assets | $2,668,972,250 | 288 |
| Average equity | $251,514,750 | 355 |
| Average total loans | $2,351,549,500 | 257 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 5,295 |
| Cost of funding earning assets | 0.4165% | 3,076 |
| Net interest margin | 2.9526% | 5,333 |
| Noninterest income to average assets | 0.8343% | 1,655 |
| Noninterest expense to average assets | 3.0003% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3953% | 5,151 |
| Return on assets (ROA) | 0.4075% | 5,222 |
| Pretax return on assets | 0.6683% | 4,763 |
| Return on Equity (ROE) | 4.5424% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.5424% | 3,138 |
| Net charge-offs to loans | 0.0887% | 2,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.6930% | 2,538 |
| Efficiency ratio | 82.2089% | 1,464 |
| Assets per employee ($millions) | 6.1248% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7041% | 5,810 |
| Loan loss allowance to noncurrent loans | 129.3368% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 4,099 |
| Noncurrent loans to loans | 0.5444% | 3,823 |
| Net loans and leases to total assets | 83.7417% | 392 |
| Net loans and leases to deposits | 102.7830% | 515 |
| Net loans and leases to core deposits | 108.1513% | 941 |
| Total domestic deposits to total assets | 81.4743% | 4,453 |
| Equity capital to assets | 8.8261% | 5,406 |
| Core capital (leverage) ratio | 8.9960% | 4,977 |
| Tier 1 risk-based capital ratio | 13.5197% | 4,206 |
| Total risk-based capital ratio | 14.4300% | 4,334 |
| Memoranda: | ||
| Average total assets | $2,782,069,670 | 299 |
| Average earning assets | $2,652,668,670 | 289 |
| Average equity | $249,560,000 | 358 |
| Average total loans | $2,341,596,000 | 259 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3709% | 5,278 |
| Cost of funding earning assets | 0.4140% | 3,149 |
| Net interest margin | 2.9569% | 5,328 |
| Noninterest income to average assets | 0.8112% | 1,669 |
| Noninterest expense to average assets | 2.8804% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4513% | 4,870 |
| Return on assets (ROA) | 0.4759% | 4,897 |
| Pretax return on assets | 0.7888% | 4,283 |
| Return on Equity (ROE) | 5.2612% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.2612% | 2,912 |
| Net charge-offs to loans | -0.0189% | 5,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3340% | 1,982 |
| Assets per employee ($millions) | 6.1431% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7707% | 5,757 |
| Loan loss allowance to noncurrent loans | 113.4341% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 3,753 |
| Noncurrent loans to loans | 0.6794% | 3,582 |
| Net loans and leases to total assets | 83.9065% | 313 |
| Net loans and leases to deposits | 105.5647% | 328 |
| Net loans and leases to core deposits | 110.8238% | 712 |
| Total domestic deposits to total assets | 79.4835% | 5,172 |
| Equity capital to assets | 9.0219% | 5,262 |
| Core capital (leverage) ratio | 9.0808% | 4,865 |
| Tier 1 risk-based capital ratio | 13.7602% | 4,178 |
| Total risk-based capital ratio | 14.7590% | 4,233 |
| Memoranda: | ||
| Average total assets | $2,746,026,500 | 303 |
| Average earning assets | $2,618,379,500 | 290 |
| Average equity | $248,384,000 | 358 |
| Average total loans | $2,308,860,500 | 259 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3205% | 5,674 |
| Cost of funding earning assets | 0.4170% | 3,512 |
| Net interest margin | 2.9035% | 5,639 |
| Noninterest income to average assets | 0.7918% | 1,910 |
| Noninterest expense to average assets | 2.7757% | 3,578 |
| Loan and lease loss provision to assets | 0.0413% | 3,752 |
| Net operating income to assets | 0.4536% | 5,003 |
| Return on assets (ROA) | 0.4706% | 5,023 |
| Pretax return on assets | 0.7843% | 4,314 |
| Return on Equity (ROE) | 5.1090% | 4,606 |
| Retained earnings to average equity (ytd only) | 5.1090% | 2,521 |
| Net charge-offs to loans | 0.0397% | 4,030 |
| Credit loss provision to net charge-offs | 126.4706% | 1,892 |
| Earnings coverage of net charge-offs (x) | 24.4482% | 1,537 |
| Efficiency ratio | 77.6459% | 2,258 |
| Assets per employee ($millions) | 5.9547% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 5,795 |
| Loan loss allowance to noncurrent loans | 108.4212% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 3,759 |
| Noncurrent loans to loans | 0.7309% | 3,495 |
| Net loans and leases to total assets | 82.9287% | 434 |
| Net loans and leases to deposits | 102.7069% | 484 |
| Net loans and leases to core deposits | 107.5472% | 924 |
| Total domestic deposits to total assets | 80.7431% | 4,809 |
| Equity capital to assets | 9.0691% | 5,216 |
| Core capital (leverage) ratio | 9.1480% | 4,756 |
| Tier 1 risk-based capital ratio | 13.9169% | 4,156 |
| Total risk-based capital ratio | 14.9365% | 4,240 |
| Memoranda: | ||
| Average total assets | $2,600,498,400 | 293 |
| Average earning assets | $2,492,602,800 | 280 |
| Average equity | $239,518,800 | 345 |
| Average total loans | $2,141,215,200 | 256 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3033% | 5,764 |
| Cost of funding earning assets | 0.4174% | 3,607 |
| Net interest margin | 2.8858% | 5,731 |
| Noninterest income to average assets | 0.7958% | 1,912 |
| Noninterest expense to average assets | 2.7833% | 3,529 |
| Loan and lease loss provision to assets | 0.0454% | 3,486 |
| Net operating income to assets | 0.4392% | 5,112 |
| Return on assets (ROA) | 0.4592% | 5,113 |
| Pretax return on assets | 0.7665% | 4,479 |
| Return on Equity (ROE) | 4.9658% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.9658% | 3,098 |
| Net charge-offs to loans | 0.0472% | 3,554 |
| Credit loss provision to net charge-offs | 117.1352% | 1,950 |
| Earnings coverage of net charge-offs (x) | 20.1538% | 1,751 |
| Efficiency ratio | 78.0990% | 2,169 |
| Assets per employee ($millions) | 6.0037% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8053% | 5,858 |
| Loan loss allowance to noncurrent loans | 101.1078% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.6668% | 3,836 |
| Noncurrent loans to loans | 0.7965% | 3,593 |
| Net loans and leases to total assets | 83.0388% | 401 |
| Net loans and leases to deposits | 98.8313% | 683 |
| Net loans and leases to core deposits | 103.2183% | 1,143 |
| Total domestic deposits to total assets | 84.0208% | 3,753 |
| Equity capital to assets | 9.1301% | 5,229 |
| Core capital (leverage) ratio | 9.1551% | 4,845 |
| Tier 1 risk-based capital ratio | 14.0628% | 4,164 |
| Total risk-based capital ratio | 15.1017% | 4,256 |
| Memoranda: | ||
| Average total assets | $2,571,784,750 | 292 |
| Average earning assets | $2,466,688,500 | 279 |
| Average equity | $237,834,000 | 345 |
| Average total loans | $2,109,070,750 | 258 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2740% | 5,837 |
| Cost of funding earning assets | 0.4185% | 3,679 |
| Net interest margin | 2.8555% | 5,809 |
| Noninterest income to average assets | 0.7873% | 1,889 |
| Noninterest expense to average assets | 2.7529% | 3,693 |
| Loan and lease loss provision to assets | 0.0688% | 2,896 |
| Net operating income to assets | 0.4208% | 5,130 |
| Return on assets (ROA) | 0.4512% | 5,089 |
| Pretax return on assets | 0.7521% | 4,446 |
| Return on Equity (ROE) | 4.8572% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.8572% | 3,049 |
| Net charge-offs to loans | 0.0692% | 3,010 |
| Credit loss provision to net charge-offs | 122.0363% | 1,703 |
| Earnings coverage of net charge-offs (x) | 13.7238% | 1,957 |
| Efficiency ratio | 78.0670% | 2,281 |
| Assets per employee ($millions) | 5.7393% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 5,902 |
| Loan loss allowance to noncurrent loans | 93.5474% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 3,580 |
| Noncurrent loans to loans | 0.8900% | 3,475 |
| Net loans and leases to total assets | 82.0947% | 459 |
| Net loans and leases to deposits | 98.4890% | 632 |
| Net loans and leases to core deposits | 102.8042% | 1,093 |
| Total domestic deposits to total assets | 83.3542% | 4,173 |
| Equity capital to assets | 9.2244% | 5,076 |
| Core capital (leverage) ratio | 9.3456% | 4,536 |
| Tier 1 risk-based capital ratio | 14.1401% | 4,162 |
| Total risk-based capital ratio | 15.2001% | 4,228 |
| Memoranda: | ||
| Average total assets | $2,544,507,000 | 295 |
| Average earning assets | $2,440,736,670 | 278 |
| Average equity | $236,352,330 | 344 |
| Average total loans | $2,071,620,670 | 256 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2416% | 5,944 |
| Cost of funding earning assets | 0.4197% | 3,762 |
| Net interest margin | 2.8219% | 5,895 |
| Noninterest income to average assets | 0.7564% | 1,932 |
| Noninterest expense to average assets | 2.7506% | 3,746 |
| Loan and lease loss provision to assets | 0.0437% | 3,222 |
| Net operating income to assets | 0.4037% | 5,099 |
| Return on assets (ROA) | 0.4037% | 5,164 |
| Pretax return on assets | 0.6743% | 4,576 |
| Return on Equity (ROE) | 4.3305% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.3305% | 3,531 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2990% | 2,302 |
| Assets per employee ($millions) | 5.8381% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 5,928 |
| Loan loss allowance to noncurrent loans | 83.4073% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 3,401 |
| Noncurrent loans to loans | 1.0544% | 3,315 |
| Net loans and leases to total assets | 80.4122% | 502 |
| Net loans and leases to deposits | 95.7218% | 674 |
| Net loans and leases to core deposits | 100.2259% | 1,086 |
| Total domestic deposits to total assets | 84.0062% | 4,273 |
| Equity capital to assets | 9.3399% | 4,712 |
| Core capital (leverage) ratio | 9.3495% | 4,504 |
| Tier 1 risk-based capital ratio | 14.1249% | 4,237 |
| Total risk-based capital ratio | 15.2052% | 4,302 |
| Memoranda: | ||
| Average total assets | $2,516,810,500 | 297 |
| Average earning assets | $2,419,046,500 | 280 |
| Average equity | $234,616,000 | 345 |
| Average total loans | $2,031,281,500 | 257 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2879% | 6,013 |
| Cost of funding earning assets | 0.4315% | 4,302 |
| Net interest margin | 2.8565% | 5,886 |
| Noninterest income to average assets | 0.9416% | 1,545 |
| Noninterest expense to average assets | 2.9502% | 3,200 |
| Loan and lease loss provision to assets | 0.0126% | 4,869 |
| Net operating income to assets | 0.4360% | 5,007 |
| Return on assets (ROA) | 0.5490% | 4,638 |
| Pretax return on assets | 0.8980% | 3,772 |
| Return on Equity (ROE) | 5.7103% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.7103% | 2,155 |
| Net charge-offs to loans | 0.0397% | 4,669 |
| Credit loss provision to net charge-offs | 40.0534% | 4,045 |
| Earnings coverage of net charge-offs (x) | 23.2804% | 1,416 |
| Efficiency ratio | 80.0763% | 2,138 |
| Assets per employee ($millions) | 5.7869% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 5,976 |
| Loan loss allowance to noncurrent loans | 78.3873% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9798% | 3,455 |
| Noncurrent loans to loans | 1.1263% | 3,288 |
| Net loans and leases to total assets | 79.5789% | 638 |
| Net loans and leases to deposits | 94.9848% | 801 |
| Net loans and leases to core deposits | 99.6050% | 1,191 |
| Total domestic deposits to total assets | 83.7806% | 4,253 |
| Equity capital to assets | 9.3039% | 4,686 |
| Core capital (leverage) ratio | 9.5704% | 4,153 |
| Tier 1 risk-based capital ratio | 14.1064% | 4,222 |
| Total risk-based capital ratio | 15.1805% | 4,278 |
| Memoranda: | ||
| Average total assets | $2,375,468,200 | 306 |
| Average earning assets | $2,280,847,600 | 289 |
| Average equity | $228,376,800 | 338 |
| Average total loans | $1,887,517,400 | 264 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3074% | 6,051 |
| Cost of funding earning assets | 0.4392% | 4,392 |
| Net interest margin | 2.8682% | 5,885 |
| Noninterest income to average assets | 0.9994% | 1,457 |
| Noninterest expense to average assets | 2.9625% | 3,101 |
| Loan and lease loss provision to assets | 0.0114% | 4,771 |
| Net operating income to assets | 0.4689% | 4,938 |
| Return on assets (ROA) | 0.4798% | 5,046 |
| Pretax return on assets | 0.7949% | 4,312 |
| Return on Equity (ROE) | 4.9485% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.9485% | 3,120 |
| Net charge-offs to loans | 0.0491% | 4,201 |
| Credit loss provision to net charge-offs | 29.2398% | 3,910 |
| Earnings coverage of net charge-offs (x) | 20.2733% | 1,597 |
| Efficiency ratio | 78.9652% | 2,268 |
| Assets per employee ($millions) | 5.6376% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 6,036 |
| Loan loss allowance to noncurrent loans | 75.9339% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 3,534 |
| Noncurrent loans to loans | 1.1963% | 3,429 |
| Net loans and leases to total assets | 80.1386% | 532 |
| Net loans and leases to deposits | 91.4310% | 1,022 |
| Net loans and leases to core deposits | 95.6913% | 1,420 |
| Total domestic deposits to total assets | 87.6494% | 2,328 |
| Equity capital to assets | 9.5752% | 4,454 |
| Core capital (leverage) ratio | 9.6256% | 4,211 |
| Tier 1 risk-based capital ratio | 14.2727% | 4,235 |
| Total risk-based capital ratio | 15.4675% | 4,222 |
| Memoranda: | ||
| Average total assets | $2,342,906,250 | 312 |
| Average earning assets | $2,248,171,250 | 294 |
| Average equity | $227,188,750 | 339 |
| Average total loans | $1,856,451,250 | 268 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 6,074 |
| Cost of funding earning assets | 0.4500% | 4,429 |
| Net interest margin | 2.8583% | 5,882 |
| Noninterest income to average assets | 1.0572% | 1,366 |
| Noninterest expense to average assets | 2.9299% | 3,239 |
| Loan and lease loss provision to assets | 0.0172% | 4,556 |
| Net operating income to assets | 0.5136% | 4,748 |
| Return on assets (ROA) | 0.5217% | 4,875 |
| Pretax return on assets | 0.8651% | 4,043 |
| Return on Equity (ROE) | 5.3571% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.3571% | 2,837 |
| Net charge-offs to loans | 0.0585% | 3,864 |
| Credit loss provision to net charge-offs | 37.4532% | 3,465 |
| Earnings coverage of net charge-offs (x) | 18.8876% | 1,532 |
| Efficiency ratio | 77.1116% | 2,608 |
| Assets per employee ($millions) | 5.3694% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 5,999 |
| Loan loss allowance to noncurrent loans | 72.4341% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 3,485 |
| Noncurrent loans to loans | 1.3083% | 3,370 |
| Net loans and leases to total assets | 79.2655% | 610 |
| Net loans and leases to deposits | 89.1535% | 1,213 |
| Net loans and leases to core deposits | 93.4122% | 1,575 |
| Total domestic deposits to total assets | 88.9090% | 1,680 |
| Equity capital to assets | 9.6501% | 4,389 |
| Core capital (leverage) ratio | 9.7447% | 3,870 |
| Tier 1 risk-based capital ratio | 14.3417% | 4,198 |
| Total risk-based capital ratio | 15.5427% | 4,185 |
| Memoranda: | ||
| Average total assets | $2,319,571,000 | 318 |
| Average earning assets | $2,225,483,330 | 296 |
| Average equity | $225,904,670 | 338 |
| Average total loans | $1,824,801,330 | 271 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2864% | 6,175 |
| Cost of funding earning assets | 0.4562% | 4,525 |
| Net interest margin | 2.8302% | 5,974 |
| Noninterest income to average assets | 1.1135% | 1,199 |
| Noninterest expense to average assets | 2.8716% | 3,460 |
| Loan and lease loss provision to assets | 0.0348% | 4,014 |
| Net operating income to assets | 0.5562% | 4,423 |
| Return on assets (ROA) | 0.5664% | 4,528 |
| Pretax return on assets | 0.9433% | 3,595 |
| Return on Equity (ROE) | 5.7888% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.7888% | 2,789 |
| Net charge-offs to loans | 0.0317% | 3,588 |
| Credit loss provision to net charge-offs | 140.8451% | 1,428 |
| Earnings coverage of net charge-offs (x) | 38.9718% | 810 |
| Efficiency ratio | 74.9036% | 3,110 |
| Assets per employee ($millions) | 5.4899% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 5,971 |
| Loan loss allowance to noncurrent loans | 72.9291% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 3,730 |
| Noncurrent loans to loans | 1.3780% | 3,498 |
| Net loans and leases to total assets | 78.7969% | 531 |
| Net loans and leases to deposits | 88.9453% | 1,056 |
| Net loans and leases to core deposits | 93.2982% | 1,394 |
| Total domestic deposits to total assets | 88.5903% | 1,943 |
| Equity capital to assets | 9.9514% | 4,209 |
| Core capital (leverage) ratio | 9.7959% | 3,670 |
| Tier 1 risk-based capital ratio | 14.7810% | 3,979 |
| Total risk-based capital ratio | 16.0489% | 3,938 |
| Memoranda: | ||
| Average total assets | $2,300,767,500 | 322 |
| Average earning assets | $2,211,296,000 | 301 |
| Average equity | $225,122,500 | 348 |
| Average total loans | $1,794,049,500 | 277 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 6,359 |
| Cost of funding earning assets | 0.5900% | 4,442 |
| Net interest margin | 2.9058% | 6,213 |
| Noninterest income to average assets | 1.3415% | 859 |
| Noninterest expense to average assets | 2.9727% | 3,372 |
| Loan and lease loss provision to assets | 0.0654% | 4,943 |
| Net operating income to assets | 0.6554% | 3,962 |
| Return on assets (ROA) | 0.6828% | 4,085 |
| Pretax return on assets | 1.1346% | 3,036 |
| Return on Equity (ROE) | 7.0329% | 3,626 |
| Retained earnings to average equity (ytd only) | 7.0329% | 1,554 |
| Net charge-offs to loans | 0.0681% | 4,999 |
| Credit loss provision to net charge-offs | 126.8591% | 2,225 |
| Earnings coverage of net charge-offs (x) | 22.4506% | 1,261 |
| Efficiency ratio | 71.9824% | 3,421 |
| Assets per employee ($millions) | 5.5448% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 5,864 |
| Loan loss allowance to noncurrent loans | 88.1926% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 4,230 |
| Noncurrent loans to loans | 1.1664% | 3,906 |
| Net loans and leases to total assets | 75.5935% | 979 |
| Net loans and leases to deposits | 85.4606% | 1,585 |
| Net loans and leases to core deposits | 89.9673% | 1,836 |
| Total domestic deposits to total assets | 88.4542% | 1,920 |
| Equity capital to assets | 9.6204% | 4,705 |
| Core capital (leverage) ratio | 9.5410% | 4,052 |
| Tier 1 risk-based capital ratio | 14.7093% | 3,887 |
| Total risk-based capital ratio | 15.9281% | 3,868 |
| Memoranda: | ||
| Average total assets | $2,217,768,800 | 322 |
| Average earning assets | $2,128,097,800 | 304 |
| Average equity | $215,329,600 | 350 |
| Average total loans | $1,678,079,000 | 281 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5474% | 6,453 |
| Cost of funding earning assets | 0.6111% | 4,529 |
| Net interest margin | 2.9363% | 6,298 |
| Noninterest income to average assets | 1.1660% | 1,120 |
| Noninterest expense to average assets | 2.8459% | 3,819 |
| Loan and lease loss provision to assets | 0.0578% | 5,009 |
| Net operating income to assets | 0.6433% | 4,181 |
| Return on assets (ROA) | 0.6817% | 4,260 |
| Pretax return on assets | 1.1374% | 3,198 |
| Return on Equity (ROE) | 7.0039% | 3,815 |
| Retained earnings to average equity (ytd only) | 7.0039% | 2,133 |
| Net charge-offs to loans | 0.0810% | 4,588 |
| Credit loss provision to net charge-offs | 94.5274% | 3,163 |
| Earnings coverage of net charge-offs (x) | 18.5761% | 1,546 |
| Efficiency ratio | 71.4860% | 3,415 |
| Assets per employee ($millions) | 5.7353% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 5,926 |
| Loan loss allowance to noncurrent loans | 99.3156% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8159% | 4,663 |
| Noncurrent loans to loans | 1.0497% | 4,340 |
| Net loans and leases to total assets | 73.8492% | 1,269 |
| Net loans and leases to deposits | 84.6161% | 1,789 |
| Net loans and leases to core deposits | 89.5319% | 2,048 |
| Total domestic deposits to total assets | 87.2756% | 2,511 |
| Equity capital to assets | 9.5614% | 5,123 |
| Core capital (leverage) ratio | 9.5459% | 4,202 |
| Tier 1 risk-based capital ratio | 15.4283% | 3,582 |
| Total risk-based capital ratio | 16.6796% | 3,529 |
| Memoranda: | ||
| Average total assets | $2,192,778,250 | 326 |
| Average earning assets | $2,102,237,000 | 306 |
| Average equity | $213,418,500 | 350 |
| Average total loans | $1,655,032,750 | 283 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 6,474 |
| Cost of funding earning assets | 0.6346% | 4,580 |
| Net interest margin | 2.9719% | 6,291 |
| Noninterest income to average assets | 1.0869% | 1,211 |
| Noninterest expense to average assets | 2.8528% | 3,816 |
| Loan and lease loss provision to assets | 0.0579% | 4,933 |
| Net operating income to assets | 0.6124% | 4,322 |
| Return on assets (ROA) | 0.6580% | 4,331 |
| Pretax return on assets | 1.0957% | 3,318 |
| Return on Equity (ROE) | 6.7186% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.7186% | 2,263 |
| Net charge-offs to loans | 0.0850% | 4,297 |
| Credit loss provision to net charge-offs | 89.9281% | 3,052 |
| Earnings coverage of net charge-offs (x) | 16.8115% | 1,565 |
| Efficiency ratio | 72.4953% | 3,345 |
| Assets per employee ($millions) | 5.3621% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 5,935 |
| Loan loss allowance to noncurrent loans | 96.5878% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 4,671 |
| Noncurrent loans to loans | 1.0931% | 4,340 |
| Net loans and leases to total assets | 74.9196% | 1,116 |
| Net loans and leases to deposits | 85.7285% | 1,638 |
| Net loans and leases to core deposits | 90.8464% | 1,891 |
| Total domestic deposits to total assets | 87.3916% | 2,539 |
| Equity capital to assets | 9.6213% | 4,887 |
| Core capital (leverage) ratio | 9.7075% | 3,825 |
| Tier 1 risk-based capital ratio | 15.4857% | 3,451 |
| Total risk-based capital ratio | 16.7364% | 3,416 |
| Memoranda: | ||
| Average total assets | $2,159,001,330 | 333 |
| Average earning assets | $2,069,161,330 | 306 |
| Average equity | $211,442,000 | 348 |
| Average total loans | $1,636,033,670 | 284 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 6,499 |
| Cost of funding earning assets | 0.6577% | 4,660 |
| Net interest margin | 3.0019% | 6,290 |
| Noninterest income to average assets | 1.0980% | 1,180 |
| Noninterest expense to average assets | 2.7683% | 4,167 |
| Loan and lease loss provision to assets | 0.0471% | 4,815 |
| Net operating income to assets | 0.6962% | 3,903 |
| Return on assets (ROA) | 0.6971% | 4,116 |
| Pretax return on assets | 1.1611% | 3,063 |
| Return on Equity (ROE) | 7.0525% | 3,756 |
| Retained earnings to average equity (ytd only) | 7.0525% | 2,406 |
| Net charge-offs to loans | 0.1034% | 3,512 |
| Credit loss provision to net charge-offs | 60.0962% | 3,110 |
| Earnings coverage of net charge-offs (x) | 15.3990% | 1,419 |
| Efficiency ratio | 69.6398% | 3,877 |
| Assets per employee ($millions) | 5.4037% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 5,948 |
| Loan loss allowance to noncurrent loans | 99.5901% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 4,742 |
| Noncurrent loans to loans | 1.0889% | 4,514 |
| Net loans and leases to total assets | 75.6020% | 849 |
| Net loans and leases to deposits | 87.0301% | 1,286 |
| Net loans and leases to core deposits | 92.5753% | 1,584 |
| Total domestic deposits to total assets | 86.8688% | 3,032 |
| Equity capital to assets | 9.8950% | 4,260 |
| Core capital (leverage) ratio | 9.9554% | 3,421 |
| Tier 1 risk-based capital ratio | 15.5570% | 3,409 |
| Total risk-based capital ratio | 16.8143% | 3,377 |
| Memoranda: | ||
| Average total assets | $2,123,184,500 | 335 |
| Average earning assets | $2,034,972,500 | 305 |
| Average equity | $209,855,000 | 346 |
| Average total loans | $1,609,543,000 | 284 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 6,690 |
| Cost of funding earning assets | 0.7901% | 4,940 |
| Net interest margin | 3.0453% | 6,455 |
| Noninterest income to average assets | 0.9467% | 1,514 |
| Noninterest expense to average assets | 2.7229% | 4,653 |
| Loan and lease loss provision to assets | 0.0618% | 5,840 |
| Net operating income to assets | 0.6408% | 3,783 |
| Return on assets (ROA) | 0.6415% | 3,970 |
| Pretax return on assets | 1.0826% | 2,903 |
| Return on Equity (ROE) | 6.4396% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.4396% | 1,780 |
| Net charge-offs to loans | 0.1761% | 4,740 |
| Credit loss provision to net charge-offs | 46.9395% | 5,492 |
| Earnings coverage of net charge-offs (x) | 8.6804% | 2,110 |
| Efficiency ratio | 70.1635% | 3,909 |
| Assets per employee ($millions) | 5.6024% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 5,693 |
| Loan loss allowance to noncurrent loans | 91.8103% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 4,680 |
| Noncurrent loans to loans | 1.2314% | 4,308 |
| Net loans and leases to total assets | 74.3253% | 1,211 |
| Net loans and leases to deposits | 85.4965% | 1,730 |
| Net loans and leases to core deposits | 91.1659% | 1,968 |
| Total domestic deposits to total assets | 86.9337% | 2,803 |
| Equity capital to assets | 9.8727% | 4,338 |
| Core capital (leverage) ratio | 9.7982% | 3,608 |
| Tier 1 risk-based capital ratio | 15.8671% | 3,116 |
| Total risk-based capital ratio | 17.1249% | 3,076 |
| Memoranda: | ||
| Average total assets | $2,021,734,400 | 346 |
| Average earning assets | $1,938,293,200 | 318 |
| Average equity | $201,394,400 | 351 |
| Average total loans | $1,511,923,800 | 301 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 6,769 |
| Cost of funding earning assets | 0.8146% | 5,054 |
| Net interest margin | 3.0546% | 6,485 |
| Noninterest income to average assets | 0.8957% | 1,669 |
| Noninterest expense to average assets | 2.6823% | 4,796 |
| Loan and lease loss provision to assets | 0.0666% | 5,621 |
| Net operating income to assets | 0.6340% | 3,949 |
| Return on assets (ROA) | 0.6343% | 4,130 |
| Pretax return on assets | 1.0754% | 3,115 |
| Return on Equity (ROE) | 6.3531% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.3531% | 2,325 |
| Net charge-offs to loans | 0.2277% | 4,014 |
| Credit loss provision to net charge-offs | 39.2003% | 5,268 |
| Earnings coverage of net charge-offs (x) | 6.7146% | 2,504 |
| Efficiency ratio | 69.8236% | 3,983 |
| Assets per employee ($millions) | 5.6566% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 5,651 |
| Loan loss allowance to noncurrent loans | 118.1105% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 5,238 |
| Noncurrent loans to loans | 0.9791% | 4,929 |
| Net loans and leases to total assets | 73.1440% | 1,480 |
| Net loans and leases to deposits | 84.3748% | 1,937 |
| Net loans and leases to core deposits | 90.4207% | 2,202 |
| Total domestic deposits to total assets | 86.6894% | 2,831 |
| Equity capital to assets | 9.8561% | 4,539 |
| Core capital (leverage) ratio | 9.8688% | 3,621 |
| Tier 1 risk-based capital ratio | 15.6903% | 3,284 |
| Total risk-based capital ratio | 16.9462% | 3,241 |
| Memoranda: | ||
| Average total assets | $2,000,543,500 | 351 |
| Average earning assets | $1,917,736,500 | 321 |
| Average equity | $199,750,750 | 358 |
| Average total loans | $1,494,014,000 | 305 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 6,800 |
| Cost of funding earning assets | 0.8324% | 5,181 |
| Net interest margin | 3.0702% | 6,464 |
| Noninterest income to average assets | 0.9379% | 1,498 |
| Noninterest expense to average assets | 2.7035% | 4,810 |
| Loan and lease loss provision to assets | 0.0253% | 5,984 |
| Net operating income to assets | 0.6786% | 3,649 |
| Return on assets (ROA) | 0.6789% | 3,770 |
| Pretax return on assets | 1.1521% | 2,662 |
| Return on Equity (ROE) | 6.7692% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.7692% | 1,982 |
| Net charge-offs to loans | 0.2673% | 3,546 |
| Credit loss provision to net charge-offs | 12.6390% | 5,218 |
| Earnings coverage of net charge-offs (x) | 5.8761% | 2,514 |
| Efficiency ratio | 69.3524% | 4,248 |
| Assets per employee ($millions) | 5.4460% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 5,721 |
| Loan loss allowance to noncurrent loans | 113.3759% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7964% | 5,302 |
| Noncurrent loans to loans | 1.0224% | 4,949 |
| Net loans and leases to total assets | 74.2244% | 1,369 |
| Net loans and leases to deposits | 85.5744% | 1,849 |
| Net loans and leases to core deposits | 92.1217% | 2,107 |
| Total domestic deposits to total assets | 86.7367% | 2,894 |
| Equity capital to assets | 9.9760% | 4,184 |
| Core capital (leverage) ratio | 10.0560% | 3,193 |
| Tier 1 risk-based capital ratio | 15.4843% | 3,251 |
| Total risk-based capital ratio | 16.7418% | 3,191 |
| Memoranda: | ||
| Average total assets | $1,975,403,670 | 356 |
| Average earning assets | $1,893,171,330 | 331 |
| Average equity | $198,131,330 | 360 |
| Average total loans | $1,479,949,330 | 313 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 6,831 |
| Cost of funding earning assets | 0.8449% | 5,305 |
| Net interest margin | 3.0489% | 6,462 |
| Noninterest income to average assets | 1.0319% | 1,235 |
| Noninterest expense to average assets | 2.6507% | 5,032 |
| Loan and lease loss provision to assets | 0.0512% | 5,360 |
| Net operating income to assets | 0.7402% | 3,324 |
| Return on assets (ROA) | 0.7404% | 3,385 |
| Pretax return on assets | 1.2521% | 2,191 |
| Return on Equity (ROE) | 7.3619% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.3619% | 2,003 |
| Net charge-offs to loans | 0.2286% | 3,169 |
| Credit loss provision to net charge-offs | 29.9401% | 4,119 |
| Earnings coverage of net charge-offs (x) | 7.6180% | 1,927 |
| Efficiency ratio | 66.7237% | 4,908 |
| Assets per employee ($millions) | 5.3357% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 5,301 |
| Loan loss allowance to noncurrent loans | 128.5675% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 5,273 |
| Noncurrent loans to loans | 0.9870% | 5,066 |
| Net loans and leases to total assets | 75.4487% | 1,115 |
| Net loans and leases to deposits | 87.1804% | 1,565 |
| Net loans and leases to core deposits | 94.6512% | 1,813 |
| Total domestic deposits to total assets | 86.5432% | 3,211 |
| Equity capital to assets | 10.2476% | 3,474 |
| Core capital (leverage) ratio | 10.0972% | 3,040 |
| Tier 1 risk-based capital ratio | 15.7227% | 3,041 |
| Total risk-based capital ratio | 16.9822% | 2,996 |
| Memoranda: | ||
| Average total assets | $1,952,878,000 | 362 |
| Average earning assets | $1,871,379,000 | 335 |
| Average equity | $196,417,000 | 359 |
| Average total loans | $1,461,294,500 | 316 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 7,096 |
| Cost of funding earning assets | 1.0083% | 5,651 |
| Net interest margin | 3.0412% | 6,657 |
| Noninterest income to average assets | 1.0266% | 1,425 |
| Noninterest expense to average assets | 2.6822% | 5,072 |
| Loan and lease loss provision to assets | 0.1695% | 5,529 |
| Net operating income to assets | 0.6420% | 3,475 |
| Return on assets (ROA) | 0.6459% | 3,606 |
| Pretax return on assets | 1.0950% | 2,597 |
| Return on Equity (ROE) | 6.6658% | 3,275 |
| Retained earnings to average equity (ytd only) | 6.6658% | 1,471 |
| Net charge-offs to loans | 0.1424% | 5,503 |
| Credit loss provision to net charge-offs | 165.4965% | 2,072 |
| Earnings coverage of net charge-offs (x) | 12.2844% | 1,523 |
| Efficiency ratio | 67.7452% | 4,612 |
| Assets per employee ($millions) | 5.5456% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 4,825 |
| Loan loss allowance to noncurrent loans | 136.6344% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 5,509 |
| Noncurrent loans to loans | 0.9773% | 5,098 |
| Net loans and leases to total assets | 72.2930% | 2,032 |
| Net loans and leases to deposits | 83.5284% | 2,524 |
| Net loans and leases to core deposits | 90.5676% | 2,681 |
| Total domestic deposits to total assets | 86.5490% | 3,055 |
| Equity capital to assets | 9.8722% | 3,907 |
| Core capital (leverage) ratio | 9.7768% | 3,351 |
| Tier 1 risk-based capital ratio | 15.7993% | 2,841 |
| Total risk-based capital ratio | 17.0600% | 2,803 |
| Memoranda: | ||
| Average total assets | $1,946,616,000 | 358 |
| Average earning assets | $1,865,231,600 | 334 |
| Average equity | $188,634,000 | 371 |
| Average total loans | $1,400,009,400 | 337 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 7,207 |
| Cost of funding earning assets | 1.0387% | 5,751 |
| Net interest margin | 3.0553% | 6,717 |
| Noninterest income to average assets | 0.9239% | 1,716 |
| Noninterest expense to average assets | 2.6182% | 5,249 |
| Loan and lease loss provision to assets | 0.2062% | 4,996 |
| Net operating income to assets | 0.6105% | 3,833 |
| Return on assets (ROA) | 0.6157% | 3,982 |
| Pretax return on assets | 1.0351% | 3,052 |
| Return on Equity (ROE) | 6.3847% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.3847% | 2,146 |
| Net charge-offs to loans | 0.1703% | 4,945 |
| Credit loss provision to net charge-offs | 169.2047% | 2,200 |
| Earnings coverage of net charge-offs (x) | 10.1184% | 1,918 |
| Efficiency ratio | 67.6513% | 4,534 |
| Assets per employee ($millions) | 5.6001% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,649 |
| Loan loss allowance to noncurrent loans | 144.7044% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 5,513 |
| Noncurrent loans to loans | 0.9425% | 5,348 |
| Net loans and leases to total assets | 70.7824% | 2,538 |
| Net loans and leases to deposits | 82.2500% | 3,059 |
| Net loans and leases to core deposits | 89.1755% | 3,217 |
| Total domestic deposits to total assets | 86.0577% | 3,046 |
| Equity capital to assets | 9.7659% | 4,455 |
| Core capital (leverage) ratio | 9.5139% | 3,882 |
| Tier 1 risk-based capital ratio | 15.6292% | 2,941 |
| Total risk-based capital ratio | 16.8883% | 2,895 |
| Memoranda: | ||
| Average total assets | $1,939,715,500 | 358 |
| Average earning assets | $1,858,539,750 | 332 |
| Average equity | $187,068,000 | 372 |
| Average total loans | $1,388,377,250 | 341 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 7,264 |
| Cost of funding earning assets | 1.0593% | 5,875 |
| Net interest margin | 3.0596% | 6,702 |
| Noninterest income to average assets | 0.8951% | 1,707 |
| Noninterest expense to average assets | 2.5589% | 5,492 |
| Loan and lease loss provision to assets | 0.3107% | 3,897 |
| Net operating income to assets | 0.5704% | 3,996 |
| Return on assets (ROA) | 0.5755% | 4,115 |
| Pretax return on assets | 0.9642% | 3,259 |
| Return on Equity (ROE) | 5.9934% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.9934% | 2,329 |
| Net charge-offs to loans | 0.1709% | 4,591 |
| Credit loss provision to net charge-offs | 254.2373% | 1,502 |
| Earnings coverage of net charge-offs (x) | 10.3669% | 1,898 |
| Efficiency ratio | 66.5512% | 4,872 |
| Assets per employee ($millions) | 5.6547% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 4,369 |
| Loan loss allowance to noncurrent loans | 117.0879% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 5,290 |
| Noncurrent loans to loans | 1.2059% | 4,951 |
| Net loans and leases to total assets | 70.5664% | 2,779 |
| Net loans and leases to deposits | 82.0408% | 3,267 |
| Net loans and leases to core deposits | 89.1531% | 3,388 |
| Total domestic deposits to total assets | 86.0138% | 3,077 |
| Equity capital to assets | 9.6089% | 4,530 |
| Core capital (leverage) ratio | 9.5443% | 3,750 |
| Tier 1 risk-based capital ratio | 15.1971% | 3,059 |
| Total risk-based capital ratio | 16.4574% | 3,013 |
| Memoranda: | ||
| Average total assets | $1,931,075,670 | 360 |
| Average earning assets | $1,849,747,330 | 333 |
| Average equity | $185,436,670 | 373 |
| Average total loans | $1,380,982,670 | 342 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 7,298 |
| Cost of funding earning assets | 1.0994% | 5,917 |
| Net interest margin | 3.0648% | 6,681 |
| Noninterest income to average assets | 0.9224% | 1,551 |
| Noninterest expense to average assets | 2.5219% | 5,647 |
| Loan and lease loss provision to assets | 0.3132% | 3,543 |
| Net operating income to assets | 0.6172% | 3,823 |
| Return on assets (ROA) | 0.6252% | 3,907 |
| Pretax return on assets | 1.0343% | 2,957 |
| Return on Equity (ROE) | 6.5128% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.5128% | 2,358 |
| Net charge-offs to loans | 0.1379% | 4,117 |
| Credit loss provision to net charge-offs | 317.7966% | 1,252 |
| Earnings coverage of net charge-offs (x) | 13.5445% | 1,491 |
| Efficiency ratio | 65.0514% | 5,300 |
| Assets per employee ($millions) | 5.4361% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,501 |
| Loan loss allowance to noncurrent loans | 119.1141% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 5,464 |
| Noncurrent loans to loans | 1.1612% | 5,044 |
| Net loans and leases to total assets | 70.9380% | 2,714 |
| Net loans and leases to deposits | 82.3082% | 3,235 |
| Net loans and leases to core deposits | 90.2441% | 3,335 |
| Total domestic deposits to total assets | 86.1858% | 3,040 |
| Equity capital to assets | 9.6894% | 4,241 |
| Core capital (leverage) ratio | 9.6884% | 3,533 |
| Tier 1 risk-based capital ratio | 15.2774% | 2,972 |
| Total risk-based capital ratio | 16.5374% | 2,925 |
| Memoranda: | ||
| Average total assets | $1,915,518,500 | 376 |
| Average earning assets | $1,834,133,000 | 350 |
| Average equity | $183,883,000 | 380 |
| Average total loans | $1,369,235,500 | 361 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 7,347 |
| Cost of funding earning assets | 1.6438% | 4,828 |
| Net interest margin | 2.8971% | 6,875 |
| Noninterest income to average assets | 1.0521% | 1,403 |
| Noninterest expense to average assets | 2.7391% | 5,201 |
| Loan and lease loss provision to assets | 0.3877% | 4,469 |
| Net operating income to assets | 0.4396% | 3,972 |
| Return on assets (ROA) | 0.4403% | 4,087 |
| Pretax return on assets | 0.7086% | 3,537 |
| Return on Equity (ROE) | 4.6271% | 3,832 |
| Retained earnings to average equity (ytd only) | 4.6271% | 2,017 |
| Net charge-offs to loans | 0.1865% | 5,491 |
| Credit loss provision to net charge-offs | 285.2085% | 1,179 |
| Earnings coverage of net charge-offs (x) | 8.0570% | 2,014 |
| Efficiency ratio | 71.0931% | 4,432 |
| Assets per employee ($millions) | 5.5904% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 4,632 |
| Loan loss allowance to noncurrent loans | 110.1933% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 5,355 |
| Noncurrent loans to loans | 1.2000% | 4,938 |
| Net loans and leases to total assets | 70.0912% | 3,239 |
| Net loans and leases to deposits | 80.7715% | 3,846 |
| Net loans and leases to core deposits | 105.6895% | 3,372 |
| Total domestic deposits to total assets | 86.7771% | 2,621 |
| Equity capital to assets | 9.5100% | 4,399 |
| Core capital (leverage) ratio | 9.3989% | 3,835 |
| Tier 1 risk-based capital ratio | 15.2842% | 2,806 |
| Total risk-based capital ratio | 16.5422% | 2,761 |
| Memoranda: | ||
| Average total assets | $1,870,107,800 | 377 |
| Average earning assets | $1,795,953,000 | 353 |
| Average equity | $177,972,600 | 387 |
| Average total loans | $1,363,032,200 | 362 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 7,402 |
| Cost of funding earning assets | 1.7585% | 4,598 |
| Net interest margin | 2.8553% | 6,956 |
| Noninterest income to average assets | 1.0986% | 1,319 |
| Noninterest expense to average assets | 2.7807% | 4,971 |
| Loan and lease loss provision to assets | 0.4126% | 3,849 |
| Net operating income to assets | 0.4088% | 4,364 |
| Return on assets (ROA) | 0.4097% | 4,464 |
| Pretax return on assets | 0.6530% | 4,008 |
| Return on Equity (ROE) | 4.3042% | 4,248 |
| Retained earnings to average equity (ytd only) | 4.3042% | 2,867 |
| Net charge-offs to loans | 0.2133% | 4,696 |
| Credit loss provision to net charge-offs | 263.6405% | 1,614 |
| Earnings coverage of net charge-offs (x) | 6.8005% | 2,542 |
| Efficiency ratio | 71.9764% | 4,245 |
| Assets per employee ($millions) | 5.5215% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 4,683 |
| Loan loss allowance to noncurrent loans | 125.9876% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 5,693 |
| Noncurrent loans to loans | 1.0084% | 5,288 |
| Net loans and leases to total assets | 68.6279% | 3,817 |
| Net loans and leases to deposits | 79.7677% | 4,425 |
| Net loans and leases to core deposits | 106.1882% | 3,682 |
| Total domestic deposits to total assets | 86.0348% | 2,694 |
| Equity capital to assets | 9.4513% | 4,811 |
| Core capital (leverage) ratio | 9.1634% | 4,394 |
| Tier 1 risk-based capital ratio | 15.3586% | 2,894 |
| Total risk-based capital ratio | 16.6162% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,858,254,500 | 392 |
| Average earning assets | $1,787,274,250 | 369 |
| Average equity | $176,876,500 | 399 |
| Average total loans | $1,363,284,500 | 379 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7362% | 7,340 |
| Cost of funding earning assets | 1.8318% | 4,600 |
| Net interest margin | 2.9044% | 6,796 |
| Noninterest income to average assets | 1.1075% | 1,294 |
| Noninterest expense to average assets | 2.8879% | 4,544 |
| Loan and lease loss provision to assets | 0.4617% | 3,217 |
| Net operating income to assets | 0.3507% | 4,677 |
| Return on assets (ROA) | 0.3518% | 4,790 |
| Pretax return on assets | 0.5508% | 4,468 |
| Return on Equity (ROE) | 3.6869% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.6869% | 3,245 |
| Net charge-offs to loans | 0.2631% | 3,872 |
| Credit loss provision to net charge-offs | 234.9364% | 1,972 |
| Earnings coverage of net charge-offs (x) | 5.1432% | 2,904 |
| Efficiency ratio | 73.7272% | 4,074 |
| Assets per employee ($millions) | 5.3144% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,253 |
| Loan loss allowance to noncurrent loans | 160.0712% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 6,133 |
| Noncurrent loans to loans | 0.7202% | 5,795 |
| Net loans and leases to total assets | 70.1698% | 3,662 |
| Net loans and leases to deposits | 81.7008% | 4,272 |
| Net loans and leases to core deposits | 109.6044% | 3,418 |
| Total domestic deposits to total assets | 85.8862% | 2,846 |
| Equity capital to assets | 9.2188% | 4,985 |
| Core capital (leverage) ratio | 9.3411% | 4,113 |
| Tier 1 risk-based capital ratio | 15.1081% | 2,975 |
| Total risk-based capital ratio | 16.3636% | 2,908 |
| Memoranda: | ||
| Average total assets | $1,840,856,000 | 403 |
| Average earning assets | $1,769,095,670 | 382 |
| Average equity | $175,648,000 | 404 |
| Average total loans | $1,375,055,000 | 386 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 7,156 |
| Cost of funding earning assets | 1.8884% | 4,696 |
| Net interest margin | 3.0202% | 6,424 |
| Noninterest income to average assets | 0.9505% | 1,639 |
| Noninterest expense to average assets | 2.7696% | 4,700 |
| Loan and lease loss provision to assets | 0.5113% | 2,428 |
| Net operating income to assets | 0.3650% | 4,993 |
| Return on assets (ROA) | 0.3666% | 5,171 |
| Pretax return on assets | 0.5724% | 4,838 |
| Return on Equity (ROE) | 3.7735% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.7735% | 3,797 |
| Net charge-offs to loans | 0.2284% | 3,272 |
| Credit loss provision to net charge-offs | 291.8782% | 1,662 |
| Earnings coverage of net charge-offs (x) | 6.1726% | 2,532 |
| Efficiency ratio | 71.5638% | 4,260 |
| Assets per employee ($millions) | 5.1343% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 5,656 |
| Loan loss allowance to noncurrent loans | 191.1237% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 6,188 |
| Noncurrent loans to loans | 0.5620% | 6,007 |
| Net loans and leases to total assets | 75.0629% | 2,489 |
| Net loans and leases to deposits | 87.5382% | 3,372 |
| Net loans and leases to core deposits | 117.4988% | 2,639 |
| Total domestic deposits to total assets | 85.7487% | 2,850 |
| Equity capital to assets | 9.6356% | 4,476 |
| Core capital (leverage) ratio | 9.6968% | 3,763 |
| Tier 1 risk-based capital ratio | 14.9644% | 3,084 |
| Total risk-based capital ratio | 16.2169% | 3,016 |
| Memoranda: | ||
| Average total assets | $1,799,381,000 | 411 |
| Average earning assets | $1,727,978,500 | 393 |
| Average equity | $174,796,500 | 412 |
| Average total loans | $1,379,746,000 | 385 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 7,272 |
| Cost of funding earning assets | 2.4812% | 4,308 |
| Net interest margin | 3.0301% | 6,837 |
| Noninterest income to average assets | 0.6900% | 3,182 |
| Noninterest expense to average assets | 2.6053% | 5,631 |
| Loan and lease loss provision to assets | 0.1863% | 5,030 |
| Net operating income to assets | 0.5033% | 4,722 |
| Return on assets (ROA) | 0.5209% | 4,500 |
| Pretax return on assets | 0.8188% | 3,997 |
| Return on Equity (ROE) | 5.3264% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.3264% | 1,843 |
| Net charge-offs to loans | 0.0766% | 5,665 |
| Credit loss provision to net charge-offs | 314.9414% | 1,434 |
| Earnings coverage of net charge-offs (x) | 16.5273% | 1,839 |
| Efficiency ratio | 72.3160% | 3,877 |
| Assets per employee ($millions) | 5.1185% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 6,309 |
| Loan loss allowance to noncurrent loans | 182.6194% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 5,951 |
| Noncurrent loans to loans | 0.5277% | 5,774 |
| Net loans and leases to total assets | 76.7494% | 2,440 |
| Net loans and leases to deposits | 90.3074% | 3,402 |
| Net loans and leases to core deposits | 120.1576% | 2,672 |
| Total domestic deposits to total assets | 84.9868% | 2,851 |
| Equity capital to assets | 9.7945% | 4,296 |
| Core capital (leverage) ratio | 9.5840% | 3,903 |
| Tier 1 risk-based capital ratio | 14.8326% | 3,132 |
| Total risk-based capital ratio | 15.9907% | 3,103 |
| Memoranda: | ||
| Average total assets | $1,731,123,000 | 410 |
| Average earning assets | $1,652,746,400 | 390 |
| Average equity | $169,308,200 | 417 |
| Average total loans | $1,337,046,000 | 391 |