Home > Union Savings Bank > Performance and Condition Ratios
Union 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 | 5.0238% | 2,030 |
| Cost of funding earning assets | 2.6606% | 268 |
| Net interest margin | 2.3632% | 4,215 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 1.9478% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2024% | 1,647 |
| Return on assets (ROA) | 1.2051% | 1,612 |
| Pretax return on assets | 1.2051% | 2,122 |
| Return on Equity (ROE) | 11.3300% | 2,141 |
| Retained earnings to average equity (ytd only) | 3.6511% | 3,070 |
| Net charge-offs to loans | -0.0012% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.8311% | 2,850 |
| Assets per employee ($millions) | 7.4594% | 1,758 |
| Cash dividends to net income (ytd only)* | 67.7738% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 3,898 |
| Loan loss allowance to noncurrent loans | 322.2222% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 2,094 |
| Noncurrent loans to loans | 0.2567% | 2,261 |
| Net loans and leases to total assets | 87.2700% | 110 |
| Net loans and leases to deposits | 112.2362% | 163 |
| Net loans and leases to core deposits | 126.9428% | 463 |
| Total domestic deposits to total assets | 77.7600% | 3,761 |
| Equity capital to assets | 9.9548% | 2,038 |
| Core capital (leverage) ratio | 10.4143% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,615,292,000 | 348 |
| Average earning assets | $3,348,031,000 | 334 |
| Average equity | $384,543,800 | 326 |
| Average total loans | $3,170,591,800 | 290 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 2,130 |
| Cost of funding earning assets | 2.3626% | 356 |
| Net interest margin | 2.5057% | 4,138 |
| Noninterest income to average assets | 1.0600% | 588 |
| Noninterest expense to average assets | 1.8771% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4979% | 1,130 |
| Return on assets (ROA) | 1.4898% | 1,124 |
| Pretax return on assets | 1.4898% | 1,574 |
| Return on Equity (ROE) | 13.7600% | 1,716 |
| Retained earnings to average equity (ytd only) | 4.4893% | 3,113 |
| Net charge-offs to loans | -0.0010% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.6178% | 3,431 |
| Assets per employee ($millions) | 7.4717% | 1,649 |
| Cash dividends to net income (ytd only)* | 67.3791% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 3,891 |
| Loan loss allowance to noncurrent loans | 441.9659% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,460 |
| Noncurrent loans to loans | 0.1908% | 2,598 |
| Net loans and leases to total assets | 87.7600% | 90 |
| Net loans and leases to deposits | 115.3266% | 115 |
| Net loans and leases to core deposits | 130.7618% | 334 |
| Total domestic deposits to total assets | 76.1000% | 4,003 |
| Equity capital to assets | 10.1803% | 1,720 |
| Core capital (leverage) ratio | 10.7874% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,538,202,250 | 359 |
| Average earning assets | $3,273,202,000 | 345 |
| Average equity | $383,031,750 | 326 |
| Average total loans | $3,100,022,750 | 299 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 2,205 |
| Cost of funding earning assets | 1.9787% | 514 |
| Net interest margin | 2.7211% | 3,943 |
| Noninterest income to average assets | 1.0800% | 509 |
| Noninterest expense to average assets | 1.9078% | 3,807 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6903% | 800 |
| Return on assets (ROA) | 1.6903% | 803 |
| Pretax return on assets | 1.6903% | 1,233 |
| Return on Equity (ROE) | 15.2800% | 1,415 |
| Retained earnings to average equity (ytd only) | 4.1518% | 3,175 |
| Net charge-offs to loans | -0.0016% | 3,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.0227% | 3,694 |
| Assets per employee ($millions) | 6.6949% | 2,137 |
| Cash dividends to net income (ytd only)* | 72.8216% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 3,844 |
| Loan loss allowance to noncurrent loans | 470.7705% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 2,399 |
| Noncurrent loans to loans | 0.1862% | 2,537 |
| Net loans and leases to total assets | 87.5700% | 94 |
| Net loans and leases to deposits | 113.4970% | 156 |
| Net loans and leases to core deposits | 128.9879% | 346 |
| Total domestic deposits to total assets | 77.1500% | 3,936 |
| Equity capital to assets | 10.5951% | 1,553 |
| Core capital (leverage) ratio | 11.3790% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,442,429,667 | 349 |
| Average earning assets | $3,180,295,333 | 342 |
| Average equity | $380,892,667 | 317 |
| Average total loans | $3,004,722,000 | 292 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 2,155 |
| Cost of funding earning assets | 1.6482% | 634 |
| Net interest margin | 2.9185% | 3,762 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.0046% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5576% | 1,064 |
| Return on assets (ROA) | 1.5706% | 1,034 |
| Pretax return on assets | 1.5706% | 1,530 |
| Return on Equity (ROE) | 13.8800% | 1,801 |
| Retained earnings to average equity (ytd only) | 5.3979% | 2,924 |
| Net charge-offs to loans | -0.0029% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.2745% | 3,376 |
| Assets per employee ($millions) | 6.2807% | 2,520 |
| Cash dividends to net income (ytd only)* | 61.0980% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,752 |
| Loan loss allowance to noncurrent loans | 406.6860% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 2,114 |
| Noncurrent loans to loans | 0.2308% | 2,348 |
| Net loans and leases to total assets | 87.4300% | 91 |
| Net loans and leases to deposits | 106.3559% | 243 |
| Net loans and leases to core deposits | 120.3363% | 420 |
| Total domestic deposits to total assets | 82.2000% | 3,454 |
| Equity capital to assets | 11.2534% | 1,246 |
| Core capital (leverage) ratio | 11.8948% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,349,326,500 | 367 |
| Average earning assets | $3,089,722,000 | 361 |
| Average equity | $379,110,000 | 328 |
| Average total loans | $2,904,284,000 | 305 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 2,837 |
| Cost of funding earning assets | 0.6634% | 682 |
| Net interest margin | 2.9233% | 3,623 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 2.3854% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4701% | 960 |
| Return on assets (ROA) | 1.4435% | 983 |
| Pretax return on assets | 1.4435% | 1,645 |
| Return on Equity (ROE) | 12.8400% | 1,855 |
| Retained earnings to average equity (ytd only) | 2.8326% | 3,766 |
| Net charge-offs to loans | -0.0017% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.8702% | 2,780 |
| Assets per employee ($millions) | 6.0129% | 2,751 |
| Cash dividends to net income (ytd only)* | 77.9408% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 2,968 |
| Loan loss allowance to noncurrent loans | 451.4345% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 2,146 |
| Noncurrent loans to loans | 0.2402% | 2,317 |
| Net loans and leases to total assets | 84.2100% | 239 |
| Net loans and leases to deposits | 98.3476% | 504 |
| Net loans and leases to core deposits | 110.4875% | 594 |
| Total domestic deposits to total assets | 85.6200% | 2,827 |
| Equity capital to assets | 11.3863% | 1,117 |
| Core capital (leverage) ratio | 11.9637% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $3,304,941,400 | 360 |
| Average earning assets | $3,039,644,600 | 356 |
| Average equity | $371,533,800 | 330 |
| Average total loans | $2,365,773,600 | 327 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 3,125 |
| Cost of funding earning assets | 0.5327% | 629 |
| Net interest margin | 2.7884% | 3,763 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 2.1781% | 2,987 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6261% | 620 |
| Return on assets (ROA) | 1.5911% | 650 |
| Pretax return on assets | 1.5911% | 1,139 |
| Return on Equity (ROE) | 14.2000% | 1,372 |
| Retained earnings to average equity (ytd only) | 2.4608% | 3,926 |
| Net charge-offs to loans | -0.0027% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.2559% | 3,481 |
| Assets per employee ($millions) | 5.5854% | 3,137 |
| Cash dividends to net income (ytd only)* | 82.6693% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,388 |
| Loan loss allowance to noncurrent loans | 428.4592% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 2,126 |
| Noncurrent loans to loans | 0.2863% | 2,220 |
| Net loans and leases to total assets | 76.4300% | 864 |
| Net loans and leases to deposits | 88.0050% | 1,035 |
| Net loans and leases to core deposits | 97.9062% | 902 |
| Total domestic deposits to total assets | 86.8500% | 2,812 |
| Equity capital to assets | 11.5897% | 977 |
| Core capital (leverage) ratio | 11.9632% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $3,304,409,750 | 359 |
| Average earning assets | $3,038,954,750 | 357 |
| Average equity | $370,279,250 | 333 |
| Average total loans | $2,253,404,000 | 340 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0021% | 3,554 |
| Cost of funding earning assets | 0.4642% | 643 |
| Net interest margin | 2.5379% | 4,022 |
| Noninterest income to average assets | 1.3181% | 410 |
| Noninterest expense to average assets | 2.0272% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6250% | 520 |
| Return on assets (ROA) | 1.6039% | 529 |
| Pretax return on assets | 1.6039% | 928 |
| Return on Equity (ROE) | 14.4730% | 1,009 |
| Retained earnings to average equity (ytd only) | 3.5125% | 3,271 |
| Net charge-offs to loans | -0.0013% | 3,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5057% | 3,823 |
| Assets per employee ($millions) | 5.6456% | 3,093 |
| Cash dividends to net income (ytd only)* | 75.7304% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 2,021 |
| Loan loss allowance to noncurrent loans | 356.5167% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 1,987 |
| Noncurrent loans to loans | 0.3747% | 2,018 |
| Net loans and leases to total assets | 69.6282% | 1,328 |
| Net loans and leases to deposits | 80.1092% | 1,377 |
| Net loans and leases to core deposits | 88.4938% | 1,196 |
| Total domestic deposits to total assets | 86.9166% | 2,962 |
| Equity capital to assets | 11.5154% | 1,027 |
| Core capital (leverage) ratio | 11.8105% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,333,487,000 | 354 |
| Average earning assets | $3,065,834,333 | 350 |
| Average equity | $369,418,667 | 338 |
| Average total loans | $2,174,732,667 | 342 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8090% | 3,728 |
| Cost of funding earning assets | 0.4625% | 605 |
| Net interest margin | 2.3465% | 4,160 |
| Noninterest income to average assets | 1.1789% | 499 |
| Noninterest expense to average assets | 1.9256% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4135% | 770 |
| Return on assets (ROA) | 1.3719% | 844 |
| Pretax return on assets | 1.3719% | 1,322 |
| Return on Equity (ROE) | 12.6153% | 1,128 |
| Retained earnings to average equity (ytd only) | 4.0079% | 2,933 |
| Net charge-offs to loans | -0.0023% | 3,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6685% | 3,714 |
| Assets per employee ($millions) | 5.6638% | 3,158 |
| Cash dividends to net income (ytd only)* | 68.2296% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 1,620 |
| Loan loss allowance to noncurrent loans | 215.8539% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 1,421 |
| Noncurrent loans to loans | 0.6861% | 1,381 |
| Net loans and leases to total assets | 61.4408% | 1,923 |
| Net loans and leases to deposits | 70.2402% | 1,944 |
| Net loans and leases to core deposits | 77.6555% | 1,644 |
| Total domestic deposits to total assets | 87.4725% | 2,755 |
| Equity capital to assets | 11.1967% | 1,239 |
| Core capital (leverage) ratio | 11.1220% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,382,763,500 | 351 |
| Average earning assets | $3,114,297,500 | 351 |
| Average equity | $367,870,000 | 345 |
| Average total loans | $2,120,636,000 | 350 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0408% | 3,799 |
| Cost of funding earning assets | 0.6101% | 517 |
| Net interest margin | 2.4307% | 4,280 |
| Noninterest income to average assets | 3.6099% | 153 |
| Noninterest expense to average assets | 2.2501% | 2,952 |
| Loan and lease loss provision to assets | 0.0104% | 2,871 |
| Net operating income to assets | 3.5917% | 74 |
| Return on assets (ROA) | 3.5547% | 77 |
| Pretax return on assets | 3.5547% | 99 |
| Return on Equity (ROE) | 33.9795% | 47 |
| Retained earnings to average equity (ytd only) | 3.1641% | 3,561 |
| Net charge-offs to loans | -0.0068% | 3,627 |
| Credit loss provision to net charge-offs | -225.0000% | 3,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4481% | 4,712 |
| Assets per employee ($millions) | 6.0978% | 2,666 |
| Cash dividends to net income (ytd only)* | 90.6882% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,932 |
| Loan loss allowance to noncurrent loans | 304.8295% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 2,087 |
| Noncurrent loans to loans | 0.4583% | 1,986 |
| Net loans and leases to total assets | 62.1191% | 1,924 |
| Net loans and leases to deposits | 70.4940% | 2,077 |
| Net loans and leases to core deposits | 77.8017% | 1,779 |
| Total domestic deposits to total assets | 88.1196% | 1,981 |
| Equity capital to assets | 10.5680% | 2,113 |
| Core capital (leverage) ratio | 11.3260% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,446,496,000 | 338 |
| Average earning assets | $3,179,517,800 | 335 |
| Average equity | $360,543,400 | 348 |
| Average total loans | $2,368,784,400 | 312 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1316% | 3,741 |
| Cost of funding earning assets | 0.6456% | 505 |
| Net interest margin | 2.4860% | 4,301 |
| Noninterest income to average assets | 3.7917% | 151 |
| Noninterest expense to average assets | 2.0436% | 3,545 |
| Loan and lease loss provision to assets | 0.0105% | 2,784 |
| Net operating income to assets | 4.0307% | 65 |
| Return on assets (ROA) | 4.0269% | 65 |
| Pretax return on assets | 4.0269% | 84 |
| Return on Equity (ROE) | 38.5933% | 40 |
| Retained earnings to average equity (ytd only) | 3.1754% | 3,841 |
| Net charge-offs to loans | -0.0087% | 3,616 |
| Credit loss provision to net charge-offs | -170.8861% | 3,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5858% | 4,839 |
| Assets per employee ($millions) | 5.9245% | 2,769 |
| Cash dividends to net income (ytd only)* | 91.7722% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 2,309 |
| Loan loss allowance to noncurrent loans | 288.8614% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 2,200 |
| Noncurrent loans to loans | 0.4620% | 2,175 |
| Net loans and leases to total assets | 67.1279% | 1,415 |
| Net loans and leases to deposits | 77.3325% | 1,541 |
| Net loans and leases to core deposits | 86.1626% | 1,279 |
| Total domestic deposits to total assets | 86.8044% | 2,429 |
| Equity capital to assets | 10.8497% | 2,125 |
| Core capital (leverage) ratio | 11.1910% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,442,231,500 | 339 |
| Average earning assets | $3,175,040,000 | 335 |
| Average equity | $359,172,500 | 349 |
| Average total loans | $2,415,477,000 | 312 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0956% | 3,882 |
| Cost of funding earning assets | 0.6725% | 515 |
| Net interest margin | 2.4231% | 4,401 |
| Noninterest income to average assets | 4.0958% | 136 |
| Noninterest expense to average assets | 2.0212% | 3,631 |
| Loan and lease loss provision to assets | 0.0104% | 2,728 |
| Net operating income to assets | 4.3066% | 64 |
| Return on assets (ROA) | 4.3030% | 64 |
| Pretax return on assets | 4.3030% | 79 |
| Return on Equity (ROE) | 41.7736% | 39 |
| Retained earnings to average equity (ytd only) | 2.9600% | 3,852 |
| Net charge-offs to loans | -0.0050% | 3,440 |
| Credit loss provision to net charge-offs | -290.3226% | 3,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8897% | 4,889 |
| Assets per employee ($millions) | 5.7242% | 2,868 |
| Cash dividends to net income (ytd only)* | 92.9142% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,711 |
| Loan loss allowance to noncurrent loans | 238.1208% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 2,095 |
| Noncurrent loans to loans | 0.5221% | 2,111 |
| Net loans and leases to total assets | 71.5347% | 1,021 |
| Net loans and leases to deposits | 82.2951% | 1,197 |
| Net loans and leases to core deposits | 91.8338% | 1,016 |
| Total domestic deposits to total assets | 86.9247% | 2,365 |
| Equity capital to assets | 10.7297% | 2,204 |
| Core capital (leverage) ratio | 10.3712% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,473,862,667 | 337 |
| Average earning assets | $3,214,652,000 | 331 |
| Average equity | $357,838,333 | 347 |
| Average total loans | $2,461,505,000 | 308 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9135% | 4,235 |
| Cost of funding earning assets | 0.6988% | 550 |
| Net interest margin | 2.2147% | 4,601 |
| Noninterest income to average assets | 4.6558% | 127 |
| Noninterest expense to average assets | 1.8534% | 4,101 |
| Loan and lease loss provision to assets | 0.0102% | 2,642 |
| Net operating income to assets | 4.8444% | 60 |
| Return on assets (ROA) | 4.8361% | 61 |
| Pretax return on assets | 4.8361% | 78 |
| Return on Equity (ROE) | 47.8946% | 35 |
| Retained earnings to average equity (ytd only) | 4.8868% | 3,257 |
| Net charge-offs to loans | -0.0032% | 3,242 |
| Credit loss provision to net charge-offs | -450.0000% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.6300% | 4,930 |
| Assets per employee ($millions) | 6.2917% | 2,333 |
| Cash dividends to net income (ytd only)* | 89.7968% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 2,963 |
| Loan loss allowance to noncurrent loans | 251.7747% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 2,447 |
| Noncurrent loans to loans | 0.4744% | 2,429 |
| Net loans and leases to total assets | 69.3711% | 1,370 |
| Net loans and leases to deposits | 79.2424% | 1,591 |
| Net loans and leases to core deposits | 87.6704% | 1,394 |
| Total domestic deposits to total assets | 87.5429% | 2,070 |
| Equity capital to assets | 10.0097% | 2,697 |
| Core capital (leverage) ratio | 10.6201% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6352% | 834 |
| Memoranda: | ||
| Average total assets | $3,533,598,500 | 327 |
| Average earning assets | $3,274,327,000 | 321 |
| Average equity | $356,800,000 | 348 |
| Average total loans | $2,477,376,000 | 306 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 3,578 |
| Cost of funding earning assets | 1.1656% | 319 |
| Net interest margin | 2.5340% | 4,555 |
| Noninterest income to average assets | 4.3302% | 128 |
| Noninterest expense to average assets | 2.4914% | 2,875 |
| Loan and lease loss provision to assets | 0.0082% | 4,253 |
| Net operating income to assets | 4.1812% | 54 |
| Return on assets (ROA) | 4.1840% | 53 |
| Pretax return on assets | 4.1840% | 69 |
| Return on Equity (ROE) | 40.4447% | 29 |
| Retained earnings to average equity (ytd only) | 8.3115% | 967 |
| Net charge-offs to loans | -0.0264% | 4,496 |
| Credit loss provision to net charge-offs | -40.1786% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2919% | 4,923 |
| Assets per employee ($millions) | 6.1068% | 2,247 |
| Cash dividends to net income (ytd only)* | 79.4497% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,793 |
| Loan loss allowance to noncurrent loans | 256.4923% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 2,640 |
| Noncurrent loans to loans | 0.4794% | 2,530 |
| Net loans and leases to total assets | 69.1447% | 1,667 |
| Net loans and leases to deposits | 79.2493% | 1,950 |
| Net loans and leases to core deposits | 87.7158% | 1,719 |
| Total domestic deposits to total assets | 87.2496% | 1,821 |
| Equity capital to assets | 10.1876% | 2,940 |
| Core capital (leverage) ratio | 10.5526% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7674% | 1,095 |
| Memoranda: | ||
| Average total assets | $3,277,503,600 | 322 |
| Average earning assets | $3,040,508,600 | 316 |
| Average equity | $339,060,200 | 342 |
| Average total loans | $2,548,315,200 | 296 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8613% | 3,381 |
| Cost of funding earning assets | 1.2677% | 284 |
| Net interest margin | 2.5936% | 4,575 |
| Noninterest income to average assets | 3.8110% | 137 |
| Noninterest expense to average assets | 2.6461% | 2,396 |
| Loan and lease loss provision to assets | 0.0074% | 4,200 |
| Net operating income to assets | 3.5639% | 66 |
| Return on assets (ROA) | 3.5683% | 68 |
| Pretax return on assets | 3.5683% | 86 |
| Return on Equity (ROE) | 34.3515% | 45 |
| Retained earnings to average equity (ytd only) | 8.7476% | 1,056 |
| Net charge-offs to loans | -0.0356% | 4,584 |
| Credit loss provision to net charge-offs | -26.2009% | 3,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5597% | 4,840 |
| Assets per employee ($millions) | 6.5353% | 1,803 |
| Cash dividends to net income (ytd only)* | 74.5351% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,348 |
| Loan loss allowance to noncurrent loans | 233.4323% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 2,633 |
| Noncurrent loans to loans | 0.5399% | 2,450 |
| Net loans and leases to total assets | 69.4509% | 2,033 |
| Net loans and leases to deposits | 79.4316% | 2,379 |
| Net loans and leases to core deposits | 87.8915% | 2,157 |
| Total domestic deposits to total assets | 87.4348% | 1,480 |
| Equity capital to assets | 10.3324% | 2,936 |
| Core capital (leverage) ratio | 10.4503% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1172% | 1,224 |
| Memoranda: | ||
| Average total assets | $3,226,653,750 | 320 |
| Average earning assets | $2,993,710,500 | 312 |
| Average equity | $335,170,000 | 341 |
| Average total loans | $2,576,187,750 | 293 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 3,192 |
| Cost of funding earning assets | 1.3595% | 269 |
| Net interest margin | 2.6923% | 4,561 |
| Noninterest income to average assets | 2.1542% | 267 |
| Noninterest expense to average assets | 2.2311% | 3,702 |
| Loan and lease loss provision to assets | 0.0057% | 4,105 |
| Net operating income to assets | 2.4118% | 160 |
| Return on assets (ROA) | 2.4185% | 170 |
| Pretax return on assets | 2.4185% | 242 |
| Return on Equity (ROE) | 23.2393% | 138 |
| Retained earnings to average equity (ytd only) | 4.2401% | 2,802 |
| Net charge-offs to loans | -0.0076% | 4,131 |
| Credit loss provision to net charge-offs | -89.1089% | 3,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9958% | 4,632 |
| Assets per employee ($millions) | 6.3807% | 1,877 |
| Cash dividends to net income (ytd only)* | 81.7548% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,002 |
| Loan loss allowance to noncurrent loans | 251.1390% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 2,868 |
| Noncurrent loans to loans | 0.4419% | 2,833 |
| Net loans and leases to total assets | 79.2191% | 693 |
| Net loans and leases to deposits | 90.1549% | 1,342 |
| Net loans and leases to core deposits | 99.7920% | 1,269 |
| Total domestic deposits to total assets | 87.8699% | 1,244 |
| Equity capital to assets | 10.1474% | 3,071 |
| Core capital (leverage) ratio | 10.1766% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8605% | 1,080 |
| Memoranda: | ||
| Average total assets | $3,178,134,667 | 318 |
| Average earning assets | $2,944,425,000 | 314 |
| Average equity | $330,750,333 | 341 |
| Average total loans | $2,644,276,667 | 286 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0328% | 3,699 |
| Cost of funding earning assets | 1.4500% | 318 |
| Net interest margin | 2.5828% | 4,766 |
| Noninterest income to average assets | 1.9268% | 282 |
| Noninterest expense to average assets | 2.1516% | 4,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1640% | 197 |
| Return on assets (ROA) | 2.1752% | 211 |
| Pretax return on assets | 2.1752% | 313 |
| Return on Equity (ROE) | 20.6302% | 143 |
| Retained earnings to average equity (ytd only) | 7.1888% | 1,475 |
| Net charge-offs to loans | -0.0128% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8561% | 4,677 |
| Assets per employee ($millions) | 6.1290% | 1,578 |
| Cash dividends to net income (ytd only)* | 65.1539% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,260 |
| Loan loss allowance to noncurrent loans | 292.9355% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 3,180 |
| Noncurrent loans to loans | 0.3723% | 3,150 |
| Net loans and leases to total assets | 83.3036% | 322 |
| Net loans and leases to deposits | 95.9261% | 920 |
| Net loans and leases to core deposits | 106.6205% | 1,021 |
| Total domestic deposits to total assets | 86.8415% | 1,628 |
| Equity capital to assets | 10.4888% | 3,334 |
| Core capital (leverage) ratio | 10.7568% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0509% | 978 |
| Memoranda: | ||
| Average total assets | $3,124,165,000 | 315 |
| Average earning assets | $2,889,586,000 | 311 |
| Average equity | $329,400,000 | 340 |
| Average total loans | $2,650,209,000 | 280 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 3,340 |
| Cost of funding earning assets | 1.4825% | 418 |
| Net interest margin | 2.8850% | 4,671 |
| Noninterest income to average assets | 1.3887% | 500 |
| Noninterest expense to average assets | 2.0048% | 4,524 |
| Loan and lease loss provision to assets | 0.0028% | 3,943 |
| Net operating income to assets | 2.0487% | 306 |
| Return on assets (ROA) | 2.0487% | 324 |
| Pretax return on assets | 2.0487% | 537 |
| Return on Equity (ROE) | 18.7048% | 290 |
| Retained earnings to average equity (ytd only) | 5.8200% | 1,966 |
| Net charge-offs to loans | -0.0567% | 4,843 |
| Credit loss provision to net charge-offs | -5.7720% | 4,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4243% | 4,766 |
| Assets per employee ($millions) | 5.9915% | 1,643 |
| Cash dividends to net income (ytd only)* | 68.8850% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 2,936 |
| Loan loss allowance to noncurrent loans | 323.8201% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 3,259 |
| Noncurrent loans to loans | 0.3406% | 3,222 |
| Net loans and leases to total assets | 84.5115% | 278 |
| Net loans and leases to deposits | 96.1162% | 931 |
| Net loans and leases to core deposits | 106.4291% | 1,085 |
| Total domestic deposits to total assets | 87.9264% | 1,159 |
| Equity capital to assets | 10.6000% | 3,346 |
| Core capital (leverage) ratio | 9.7258% | 3,819 |
| Tier 1 risk-based capital ratio | 14.8135% | 2,862 |
| Total risk-based capital ratio | 16.0901% | 2,776 |
| Memoranda: | ||
| Average total assets | $2,888,332,800 | 323 |
| Average earning assets | $2,670,688,000 | 318 |
| Average equity | $316,357,000 | 331 |
| Average total loans | $2,444,972,000 | 289 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 3,351 |
| Cost of funding earning assets | 1.4713% | 448 |
| Net interest margin | 2.9305% | 4,725 |
| Noninterest income to average assets | 1.2236% | 609 |
| Noninterest expense to average assets | 1.9627% | 4,621 |
| Loan and lease loss provision to assets | 0.0038% | 3,790 |
| Net operating income to assets | 1.9655% | 423 |
| Return on assets (ROA) | 1.9655% | 444 |
| Pretax return on assets | 1.9655% | 741 |
| Return on Equity (ROE) | 17.7897% | 410 |
| Retained earnings to average equity (ytd only) | 5.2298% | 2,773 |
| Net charge-offs to loans | -0.0791% | 4,946 |
| Credit loss provision to net charge-offs | -5.6219% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9170% | 4,750 |
| Assets per employee ($millions) | 5.9099% | 1,666 |
| Cash dividends to net income (ytd only)* | 70.6023% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,015 |
| Loan loss allowance to noncurrent loans | 289.5387% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 3,219 |
| Noncurrent loans to loans | 0.3807% | 3,189 |
| Net loans and leases to total assets | 84.9985% | 254 |
| Net loans and leases to deposits | 101.7717% | 518 |
| Net loans and leases to core deposits | 112.1215% | 841 |
| Total domestic deposits to total assets | 83.5189% | 2,988 |
| Equity capital to assets | 10.4414% | 3,598 |
| Core capital (leverage) ratio | 9.7980% | 3,856 |
| Tier 1 risk-based capital ratio | 14.6735% | 2,998 |
| Total risk-based capital ratio | 15.9498% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,840,509,500 | 332 |
| Average earning assets | $2,625,308,750 | 327 |
| Average equity | $313,836,250 | 335 |
| Average total loans | $2,398,299,250 | 294 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 3,368 |
| Cost of funding earning assets | 1.4174% | 499 |
| Net interest margin | 2.9702% | 4,733 |
| Noninterest income to average assets | 1.2046% | 587 |
| Noninterest expense to average assets | 2.0030% | 4,597 |
| Loan and lease loss provision to assets | 0.0058% | 3,613 |
| Net operating income to assets | 1.9396% | 435 |
| Return on assets (ROA) | 1.9396% | 457 |
| Pretax return on assets | 1.9396% | 769 |
| Return on Equity (ROE) | 17.2054% | 444 |
| Retained earnings to average equity (ytd only) | 4.8849% | 2,826 |
| Net charge-offs to loans | -0.1320% | 5,058 |
| Credit loss provision to net charge-offs | -5.2288% | 3,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7301% | 4,741 |
| Assets per employee ($millions) | 5.2370% | 2,219 |
| Cash dividends to net income (ytd only)* | 71.6081% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,445 |
| Loan loss allowance to noncurrent loans | 288.0221% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 3,080 |
| Noncurrent loans to loans | 0.4217% | 3,017 |
| Net loans and leases to total assets | 84.6687% | 311 |
| Net loans and leases to deposits | 98.3663% | 809 |
| Net loans and leases to core deposits | 108.1706% | 1,087 |
| Total domestic deposits to total assets | 86.0749% | 1,992 |
| Equity capital to assets | 11.2606% | 2,806 |
| Core capital (leverage) ratio | 10.1597% | 3,431 |
| Tier 1 risk-based capital ratio | 15.5566% | 2,605 |
| Total risk-based capital ratio | 16.8364% | 2,520 |
| Memoranda: | ||
| Average total assets | $2,764,931,000 | 336 |
| Average earning assets | $2,554,187,000 | 330 |
| Average equity | $311,693,670 | 340 |
| Average total loans | $2,319,007,670 | 302 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 3,403 |
| Cost of funding earning assets | 1.3557% | 542 |
| Net interest margin | 2.9933% | 4,761 |
| Noninterest income to average assets | 1.0100% | 783 |
| Noninterest expense to average assets | 1.9999% | 4,643 |
| Loan and lease loss provision to assets | 0.0087% | 3,324 |
| Net operating income to assets | 1.7686% | 628 |
| Return on assets (ROA) | 1.7686% | 645 |
| Pretax return on assets | 1.7686% | 1,059 |
| Return on Equity (ROE) | 15.6802% | 638 |
| Retained earnings to average equity (ytd only) | 5.1945% | 2,818 |
| Net charge-offs to loans | -0.2639% | 5,203 |
| Credit loss provision to net charge-offs | -3.9920% | 3,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9457% | 4,623 |
| Assets per employee ($millions) | 5.1835% | 2,300 |
| Cash dividends to net income (ytd only)* | 66.8725% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,226 |
| Loan loss allowance to noncurrent loans | 284.4125% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 3,080 |
| Noncurrent loans to loans | 0.4468% | 2,984 |
| Net loans and leases to total assets | 82.5072% | 526 |
| Net loans and leases to deposits | 95.4052% | 1,025 |
| Net loans and leases to core deposits | 104.3072% | 1,294 |
| Total domestic deposits to total assets | 86.4809% | 2,082 |
| Equity capital to assets | 11.3723% | 2,508 |
| Core capital (leverage) ratio | 10.2985% | 3,277 |
| Tier 1 risk-based capital ratio | 15.8640% | 2,503 |
| Total risk-based capital ratio | 17.1450% | 2,421 |
| Memoranda: | ||
| Average total assets | $2,746,508,000 | 342 |
| Average earning assets | $2,539,140,500 | 336 |
| Average equity | $309,791,500 | 340 |
| Average total loans | $2,277,814,000 | 308 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 3,703 |
| Cost of funding earning assets | 1.0248% | 684 |
| Net interest margin | 3.0888% | 4,669 |
| Noninterest income to average assets | 1.3198% | 532 |
| Noninterest expense to average assets | 2.1727% | 4,400 |
| Loan and lease loss provision to assets | 0.0087% | 3,955 |
| Net operating income to assets | 1.9959% | 363 |
| Return on assets (ROA) | 1.9959% | 361 |
| Pretax return on assets | 1.9959% | 567 |
| Return on Equity (ROE) | 18.2621% | 364 |
| Retained earnings to average equity (ytd only) | 4.9519% | 2,792 |
| Net charge-offs to loans | 0.0055% | 3,509 |
| Credit loss provision to net charge-offs | 186.0465% | 1,528 |
| Earnings coverage of net charge-offs (x) | 428.7984% | 244 |
| Efficiency ratio | 52.0114% | 4,796 |
| Assets per employee ($millions) | 5.3107% | 2,135 |
| Cash dividends to net income (ytd only)* | 72.8842% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,485 |
| Loan loss allowance to noncurrent loans | 224.3771% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 2,757 |
| Noncurrent loans to loans | 0.5425% | 2,646 |
| Net loans and leases to total assets | 81.3009% | 768 |
| Net loans and leases to deposits | 93.1839% | 1,377 |
| Net loans and leases to core deposits | 101.3172% | 1,623 |
| Total domestic deposits to total assets | 87.2477% | 1,666 |
| Equity capital to assets | 11.1869% | 2,527 |
| Core capital (leverage) ratio | 10.0565% | 3,516 |
| Tier 1 risk-based capital ratio | 15.6844% | 2,542 |
| Total risk-based capital ratio | 16.9647% | 2,449 |
| Memoranda: | ||
| Average total assets | $2,759,349,800 | 337 |
| Average earning assets | $2,552,701,400 | 334 |
| Average equity | $301,581,400 | 343 |
| Average total loans | $2,324,820,400 | 304 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,760 |
| Cost of funding earning assets | 0.9451% | 765 |
| Net interest margin | 3.1136% | 4,679 |
| Noninterest income to average assets | 1.3391% | 528 |
| Noninterest expense to average assets | 2.2643% | 4,183 |
| Loan and lease loss provision to assets | 0.0087% | 3,809 |
| Net operating income to assets | 1.9456% | 439 |
| Return on assets (ROA) | 1.9456% | 436 |
| Pretax return on assets | 1.9456% | 735 |
| Return on Equity (ROE) | 17.9065% | 435 |
| Retained earnings to average equity (ytd only) | 6.8216% | 2,220 |
| Net charge-offs to loans | -0.0030% | 4,135 |
| Credit loss provision to net charge-offs | -346.1538% | 4,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6745% | 4,639 |
| Assets per employee ($millions) | 5.2994% | 2,126 |
| Cash dividends to net income (ytd only)* | 61.9044% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 2,891 |
| Loan loss allowance to noncurrent loans | 185.4167% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 2,578 |
| Noncurrent loans to loans | 0.6219% | 2,534 |
| Net loans and leases to total assets | 84.9563% | 362 |
| Net loans and leases to deposits | 101.8127% | 661 |
| Net loans and leases to core deposits | 110.6485% | 993 |
| Total domestic deposits to total assets | 83.4437% | 3,147 |
| Equity capital to assets | 11.0325% | 2,632 |
| Core capital (leverage) ratio | 9.8402% | 3,806 |
| Tier 1 risk-based capital ratio | 15.0024% | 2,882 |
| Total risk-based capital ratio | 16.2801% | 2,790 |
| Memoranda: | ||
| Average total assets | $2,761,451,250 | 338 |
| Average earning assets | $2,553,819,750 | 334 |
| Average equity | $300,040,250 | 340 |
| Average total loans | $2,340,000,750 | 297 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9752% | 3,858 |
| Cost of funding earning assets | 0.8647% | 854 |
| Net interest margin | 3.1105% | 4,711 |
| Noninterest income to average assets | 1.3120% | 559 |
| Noninterest expense to average assets | 2.2576% | 4,246 |
| Loan and lease loss provision to assets | 0.0087% | 3,672 |
| Net operating income to assets | 1.9202% | 443 |
| Return on assets (ROA) | 1.9202% | 441 |
| Pretax return on assets | 1.9202% | 736 |
| Return on Equity (ROE) | 17.7656% | 442 |
| Retained earnings to average equity (ytd only) | 5.5813% | 2,780 |
| Net charge-offs to loans | -0.0065% | 4,171 |
| Credit loss provision to net charge-offs | -160.0000% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9254% | 4,701 |
| Assets per employee ($millions) | 5.3295% | 2,071 |
| Cash dividends to net income (ytd only)* | 68.5837% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 2,961 |
| Loan loss allowance to noncurrent loans | 191.6389% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 2,670 |
| Noncurrent loans to loans | 0.6020% | 2,611 |
| Net loans and leases to total assets | 84.6496% | 389 |
| Net loans and leases to deposits | 103.3732% | 559 |
| Net loans and leases to core deposits | 112.0462% | 884 |
| Total domestic deposits to total assets | 81.8874% | 3,753 |
| Equity capital to assets | 10.7612% | 2,877 |
| Core capital (leverage) ratio | 9.5914% | 4,006 |
| Tier 1 risk-based capital ratio | 14.6838% | 3,025 |
| Total risk-based capital ratio | 15.9620% | 2,942 |
| Memoranda: | ||
| Average total assets | $2,751,011,670 | 339 |
| Average earning assets | $2,542,389,670 | 335 |
| Average equity | $297,349,330 | 339 |
| Average total loans | $2,319,896,330 | 298 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 3,903 |
| Cost of funding earning assets | 0.8243% | 848 |
| Net interest margin | 3.0853% | 4,731 |
| Noninterest income to average assets | 1.5824% | 388 |
| Noninterest expense to average assets | 2.3538% | 4,055 |
| Loan and lease loss provision to assets | 0.0088% | 3,403 |
| Net operating income to assets | 2.0691% | 317 |
| Return on assets (ROA) | 2.0691% | 318 |
| Pretax return on assets | 2.0691% | 501 |
| Return on Equity (ROE) | 19.1000% | 312 |
| Retained earnings to average equity (ytd only) | 7.0232% | 2,270 |
| Net charge-offs to loans | -0.0103% | 4,263 |
| Credit loss provision to net charge-offs | -101.6949% | 3,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1123% | 4,872 |
| Assets per employee ($millions) | 5.1004% | 2,368 |
| Cash dividends to net income (ytd only)* | 63.2291% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 2,785 |
| Loan loss allowance to noncurrent loans | 172.2014% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 2,363 |
| Noncurrent loans to loans | 0.6988% | 2,466 |
| Net loans and leases to total assets | 83.5623% | 486 |
| Net loans and leases to deposits | 95.8796% | 1,046 |
| Net loans and leases to core deposits | 103.2770% | 1,435 |
| Total domestic deposits to total assets | 87.1534% | 2,062 |
| Equity capital to assets | 11.0041% | 2,573 |
| Core capital (leverage) ratio | 9.7990% | 3,761 |
| Tier 1 risk-based capital ratio | 14.8499% | 2,952 |
| Total risk-based capital ratio | 16.1300% | 2,864 |
| Memoranda: | ||
| Average total assets | $2,727,533,500 | 343 |
| Average earning assets | $2,518,888,500 | 338 |
| Average equity | $295,476,500 | 343 |
| Average total loans | $2,281,789,000 | 301 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 4,376 |
| Cost of funding earning assets | 0.7687% | 740 |
| Net interest margin | 2.9138% | 5,024 |
| Noninterest income to average assets | 1.6493% | 392 |
| Noninterest expense to average assets | 2.0730% | 4,827 |
| Loan and lease loss provision to assets | 0.0085% | 4,096 |
| Net operating income to assets | 2.2755% | 170 |
| Return on assets (ROA) | 2.2731% | 172 |
| Pretax return on assets | 2.2731% | 280 |
| Return on Equity (ROE) | 22.8313% | 100 |
| Retained earnings to average equity (ytd only) | 9.1094% | 491 |
| Net charge-offs to loans | 0.0026% | 4,013 |
| Credit loss provision to net charge-offs | 393.4426% | 770 |
| Earnings coverage of net charge-offs (x) | 1,053.5902% | 79 |
| Efficiency ratio | 47.5779% | 5,340 |
| Assets per employee ($millions) | 5.0491% | 2,421 |
| Cash dividends to net income (ytd only)* | 60.1013% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 2,728 |
| Loan loss allowance to noncurrent loans | 152.8825% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 2,302 |
| Noncurrent loans to loans | 0.7899% | 2,238 |
| Net loans and leases to total assets | 81.7487% | 716 |
| Net loans and leases to deposits | 93.1938% | 1,367 |
| Net loans and leases to core deposits | 99.9634% | 1,719 |
| Total domestic deposits to total assets | 87.7190% | 1,649 |
| Equity capital to assets | 10.6644% | 2,979 |
| Core capital (leverage) ratio | 9.2551% | 4,341 |
| Tier 1 risk-based capital ratio | 14.6541% | 3,009 |
| Total risk-based capital ratio | 15.9355% | 2,928 |
| Memoranda: | ||
| Average total assets | $2,813,825,800 | 319 |
| Average earning assets | $2,614,826,200 | 312 |
| Average equity | $280,150,600 | 344 |
| Average total loans | $2,336,094,800 | 282 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 4,514 |
| Cost of funding earning assets | 0.7449% | 776 |
| Net interest margin | 2.8749% | 5,122 |
| Noninterest income to average assets | 1.5705% | 440 |
| Noninterest expense to average assets | 2.1119% | 4,709 |
| Loan and lease loss provision to assets | 0.0085% | 3,960 |
| Net operating income to assets | 2.1247% | 252 |
| Return on assets (ROA) | 2.1252% | 256 |
| Pretax return on assets | 2.1252% | 428 |
| Return on Equity (ROE) | 21.7198% | 147 |
| Retained earnings to average equity (ytd only) | 8.5701% | 983 |
| Net charge-offs to loans | 0.0212% | 3,053 |
| Credit loss provision to net charge-offs | 48.1283% | 2,931 |
| Earnings coverage of net charge-offs (x) | 121.0893% | 622 |
| Efficiency ratio | 49.7498% | 5,264 |
| Assets per employee ($millions) | 5.2556% | 2,166 |
| Cash dividends to net income (ytd only)* | 60.5426% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,231 |
| Loan loss allowance to noncurrent loans | 153.7016% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 2,611 |
| Noncurrent loans to loans | 0.7438% | 2,501 |
| Net loans and leases to total assets | 83.1093% | 532 |
| Net loans and leases to deposits | 100.0361% | 740 |
| Net loans and leases to core deposits | 107.0978% | 1,192 |
| Total domestic deposits to total assets | 83.0793% | 3,432 |
| Equity capital to assets | 10.1258% | 3,769 |
| Core capital (leverage) ratio | 8.9709% | 4,773 |
| Tier 1 risk-based capital ratio | 14.3075% | 3,295 |
| Total risk-based capital ratio | 15.5669% | 3,193 |
| Memoranda: | ||
| Average total assets | $2,830,598,750 | 318 |
| Average earning assets | $2,633,400,750 | 311 |
| Average equity | $276,957,250 | 346 |
| Average total loans | $2,351,901,750 | 282 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5910% | 4,537 |
| Cost of funding earning assets | 0.7199% | 798 |
| Net interest margin | 2.8710% | 5,136 |
| Noninterest income to average assets | 1.7882% | 379 |
| Noninterest expense to average assets | 2.2084% | 4,549 |
| Loan and lease loss provision to assets | 0.0085% | 3,758 |
| Net operating income to assets | 2.2464% | 195 |
| Return on assets (ROA) | 2.2471% | 195 |
| Pretax return on assets | 2.2471% | 323 |
| Return on Equity (ROE) | 23.2345% | 100 |
| Retained earnings to average equity (ytd only) | 10.0534% | 574 |
| Net charge-offs to loans | 0.0105% | 3,089 |
| Credit loss provision to net charge-offs | 97.5610% | 2,062 |
| Earnings coverage of net charge-offs (x) | 259.8699% | 329 |
| Efficiency ratio | 49.4800% | 5,333 |
| Assets per employee ($millions) | 4.9006% | 2,510 |
| Cash dividends to net income (ytd only)* | 56.7307% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 3,056 |
| Loan loss allowance to noncurrent loans | 138.0665% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7585% | 2,311 |
| Noncurrent loans to loans | 0.8647% | 2,252 |
| Net loans and leases to total assets | 82.0724% | 655 |
| Net loans and leases to deposits | 98.4233% | 858 |
| Net loans and leases to core deposits | 104.5912% | 1,319 |
| Total domestic deposits to total assets | 83.3872% | 3,435 |
| Equity capital to assets | 10.2289% | 3,648 |
| Core capital (leverage) ratio | 8.7222% | 5,031 |
| Tier 1 risk-based capital ratio | 14.2953% | 3,265 |
| Total risk-based capital ratio | 15.5778% | 3,177 |
| Memoranda: | ||
| Average total assets | $2,835,137,330 | 326 |
| Average earning assets | $2,641,617,330 | 317 |
| Average equity | $274,196,000 | 349 |
| Average total loans | $2,346,453,330 | 286 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 4,741 |
| Cost of funding earning assets | 0.6875% | 889 |
| Net interest margin | 2.7937% | 5,253 |
| Noninterest income to average assets | 1.9687% | 320 |
| Noninterest expense to average assets | 2.5432% | 3,678 |
| Loan and lease loss provision to assets | 0.0083% | 3,450 |
| Net operating income to assets | 2.0200% | 295 |
| Return on assets (ROA) | 2.0200% | 303 |
| Pretax return on assets | 2.0200% | 488 |
| Return on Equity (ROE) | 21.4774% | 171 |
| Retained earnings to average equity (ytd only) | 9.9289% | 823 |
| Net charge-offs to loans | 0.0010% | 2,926 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 2,432.3333% | 10 |
| Efficiency ratio | 55.6319% | 4,977 |
| Assets per employee ($millions) | 4.9669% | 2,487 |
| Cash dividends to net income (ytd only)* | 53.7705% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 3,204 |
| Loan loss allowance to noncurrent loans | 161.9945% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 2,684 |
| Noncurrent loans to loans | 0.7336% | 2,664 |
| Net loans and leases to total assets | 80.2437% | 807 |
| Net loans and leases to deposits | 98.8709% | 697 |
| Net loans and leases to core deposits | 104.6980% | 1,179 |
| Total domestic deposits to total assets | 81.1601% | 4,381 |
| Equity capital to assets | 9.6830% | 4,083 |
| Core capital (leverage) ratio | 8.5389% | 5,202 |
| Tier 1 risk-based capital ratio | 13.7840% | 3,611 |
| Total risk-based capital ratio | 15.0664% | 3,504 |
| Memoranda: | ||
| Average total assets | $2,878,080,500 | 323 |
| Average earning assets | $2,681,455,000 | 316 |
| Average equity | $270,685,000 | 352 |
| Average total loans | $2,377,859,500 | 288 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5524% | 4,636 |
| Cost of funding earning assets | 0.6806% | 905 |
| Net interest margin | 2.8718% | 5,182 |
| Noninterest income to average assets | 2.1001% | 326 |
| Noninterest expense to average assets | 2.3841% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.3928% | 168 |
| Return on assets (ROA) | 2.3928% | 171 |
| Pretax return on assets | 2.3928% | 232 |
| Return on Equity (ROE) | 25.0958% | 74 |
| Retained earnings to average equity (ytd only) | 3.7096% | 3,274 |
| Net charge-offs to loans | 0.0007% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4,362.1333% | 6 |
| Efficiency ratio | 49.9085% | 5,489 |
| Assets per employee ($millions) | 5.0086% | 2,380 |
| Cash dividends to net income (ytd only)* | 85.2182% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 3,658 |
| Loan loss allowance to noncurrent loans | 154.5630% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 2,789 |
| Noncurrent loans to loans | 0.7182% | 2,743 |
| Net loans and leases to total assets | 83.0529% | 479 |
| Net loans and leases to deposits | 102.2133% | 523 |
| Net loans and leases to core deposits | 107.7753% | 1,035 |
| Total domestic deposits to total assets | 81.2545% | 4,271 |
| Equity capital to assets | 9.1360% | 4,663 |
| Core capital (leverage) ratio | 8.4704% | 5,289 |
| Tier 1 risk-based capital ratio | 13.2312% | 3,936 |
| Total risk-based capital ratio | 14.5135% | 3,835 |
| Memoranda: | ||
| Average total assets | $2,734,543,200 | 318 |
| Average earning assets | $2,548,795,800 | 310 |
| Average equity | $260,729,200 | 348 |
| Average total loans | $2,295,135,200 | 282 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5971% | 4,561 |
| Cost of funding earning assets | 0.6807% | 901 |
| Net interest margin | 2.9163% | 5,158 |
| Noninterest income to average assets | 1.9079% | 371 |
| Noninterest expense to average assets | 2.3851% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.2420% | 230 |
| Return on assets (ROA) | 2.2420% | 243 |
| Pretax return on assets | 2.2420% | 352 |
| Return on Equity (ROE) | 23.2493% | 121 |
| Retained earnings to average equity (ytd only) | 3.1004% | 4,053 |
| Net charge-offs to loans | 0.0092% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 291.4925% | 281 |
| Efficiency ratio | 51.5470% | 5,412 |
| Assets per employee ($millions) | 4.9537% | 2,413 |
| Cash dividends to net income (ytd only)* | 86.6647% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 3,631 |
| Loan loss allowance to noncurrent loans | 101.3903% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 2,053 |
| Noncurrent loans to loans | 1.1217% | 2,006 |
| Net loans and leases to total assets | 82.7911% | 530 |
| Net loans and leases to deposits | 101.8531% | 584 |
| Net loans and leases to core deposits | 107.2421% | 1,099 |
| Total domestic deposits to total assets | 81.2848% | 4,172 |
| Equity capital to assets | 9.2597% | 4,906 |
| Core capital (leverage) ratio | 8.5950% | 5,269 |
| Tier 1 risk-based capital ratio | 13.4045% | 3,916 |
| Total risk-based capital ratio | 14.6788% | 3,812 |
| Memoranda: | ||
| Average total assets | $2,686,923,500 | 322 |
| Average earning assets | $2,505,268,250 | 314 |
| Average equity | $259,103,750 | 351 |
| Average total loans | $2,254,772,750 | 281 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5725% | 4,675 |
| Cost of funding earning assets | 0.6785% | 901 |
| Net interest margin | 2.8940% | 5,278 |
| Noninterest income to average assets | 1.8877% | 372 |
| Noninterest expense to average assets | 2.4137% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1696% | 239 |
| Return on assets (ROA) | 2.1696% | 253 |
| Pretax return on assets | 2.1696% | 404 |
| Return on Equity (ROE) | 22.1809% | 151 |
| Retained earnings to average equity (ytd only) | 2.4538% | 4,326 |
| Net charge-offs to loans | 0.0190% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 136.0190% | 440 |
| Efficiency ratio | 52.6632% | 5,410 |
| Assets per employee ($millions) | 4.8641% | 2,461 |
| Cash dividends to net income (ytd only)* | 88.9371% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,354 |
| Loan loss allowance to noncurrent loans | 102.8453% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.0675% | 1,990 |
| Noncurrent loans to loans | 1.1678% | 1,964 |
| Net loans and leases to total assets | 83.2504% | 487 |
| Net loans and leases to deposits | 100.1220% | 688 |
| Net loans and leases to core deposits | 105.4567% | 1,224 |
| Total domestic deposits to total assets | 83.1490% | 3,595 |
| Equity capital to assets | 9.7492% | 4,511 |
| Core capital (leverage) ratio | 8.9486% | 4,889 |
| Tier 1 risk-based capital ratio | 14.2986% | 3,437 |
| Total risk-based capital ratio | 15.5778% | 3,342 |
| Memoranda: | ||
| Average total assets | $2,633,114,330 | 326 |
| Average earning assets | $2,452,581,670 | 319 |
| Average equity | $257,555,330 | 353 |
| Average total loans | $2,211,261,000 | 283 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5286% | 4,818 |
| Cost of funding earning assets | 0.6740% | 921 |
| Net interest margin | 2.8547% | 5,389 |
| Noninterest income to average assets | 1.8206% | 389 |
| Noninterest expense to average assets | 2.3951% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0862% | 289 |
| Return on assets (ROA) | 2.0862% | 301 |
| Pretax return on assets | 2.0862% | 480 |
| Return on Equity (ROE) | 21.2922% | 189 |
| Retained earnings to average equity (ytd only) | -5.9111% | 5,656 |
| Net charge-offs to loans | 0.0011% | 3,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2,270.5000% | 14 |
| Efficiency ratio | 53.4463% | 5,430 |
| Assets per employee ($millions) | 4.8153% | 2,560 |
| Cash dividends to net income (ytd only)* | 127.7619% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 3,079 |
| Loan loss allowance to noncurrent loans | 116.8931% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0179% | 2,170 |
| Noncurrent loans to loans | 1.0831% | 2,229 |
| Net loans and leases to total assets | 82.7225% | 477 |
| Net loans and leases to deposits | 94.1372% | 1,133 |
| Net loans and leases to core deposits | 98.7158% | 1,586 |
| Total domestic deposits to total assets | 87.8743% | 1,710 |
| Equity capital to assets | 9.8800% | 4,241 |
| Core capital (leverage) ratio | 8.7780% | 5,095 |
| Tier 1 risk-based capital ratio | 14.6225% | 3,330 |
| Total risk-based capital ratio | 15.9027% | 3,254 |
| Memoranda: | ||
| Average total assets | $2,612,044,500 | 327 |
| Average earning assets | $2,434,481,500 | 317 |
| Average equity | $255,924,500 | 348 |
| Average total loans | $2,189,775,000 | 280 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 4,777 |
| Cost of funding earning assets | 0.6555% | 1,042 |
| Net interest margin | 2.9047% | 5,333 |
| Noninterest income to average assets | 2.0730% | 343 |
| Noninterest expense to average assets | 2.5434% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.2308% | 239 |
| Return on assets (ROA) | 2.2308% | 245 |
| Pretax return on assets | 2.2308% | 323 |
| Return on Equity (ROE) | 22.1208% | 169 |
| Retained earnings to average equity (ytd only) | 2.7643% | 4,107 |
| Net charge-offs to loans | -0.0278% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2743% | 5,567 |
| Assets per employee ($millions) | 5.0528% | 2,300 |
| Cash dividends to net income (ytd only)* | 87.5036% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 3,312 |
| Loan loss allowance to noncurrent loans | 117.5232% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 2,207 |
| Noncurrent loans to loans | 1.0433% | 2,246 |
| Net loans and leases to total assets | 82.8542% | 501 |
| Net loans and leases to deposits | 98.9873% | 748 |
| Net loans and leases to core deposits | 103.9005% | 1,226 |
| Total domestic deposits to total assets | 83.7018% | 3,589 |
| Equity capital to assets | 9.7182% | 4,276 |
| Core capital (leverage) ratio | 9.6238% | 4,012 |
| Tier 1 risk-based capital ratio | 15.6097% | 2,876 |
| Total risk-based capital ratio | 16.8821% | 2,800 |
| Memoranda: | ||
| Average total assets | $2,520,757,400 | 316 |
| Average earning assets | $2,344,070,600 | 312 |
| Average equity | $254,204,400 | 342 |
| Average total loans | $2,082,879,600 | 275 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5715% | 4,814 |
| Cost of funding earning assets | 0.6575% | 1,053 |
| Net interest margin | 2.9141% | 5,381 |
| Noninterest income to average assets | 2.3684% | 283 |
| Noninterest expense to average assets | 2.4186% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.6563% | 130 |
| Return on assets (ROA) | 2.6563% | 135 |
| Pretax return on assets | 2.6563% | 187 |
| Return on Equity (ROE) | 26.0884% | 95 |
| Retained earnings to average equity (ytd only) | 2.2818% | 4,746 |
| Net charge-offs to loans | -0.0218% | 5,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6577% | 5,888 |
| Assets per employee ($millions) | 4.5122% | 2,993 |
| Cash dividends to net income (ytd only)* | 91.2537% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 2,754 |
| Loan loss allowance to noncurrent loans | 102.7085% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.2280% | 1,913 |
| Noncurrent loans to loans | 1.3309% | 1,919 |
| Net loans and leases to total assets | 79.7764% | 850 |
| Net loans and leases to deposits | 90.6628% | 1,568 |
| Net loans and leases to core deposits | 95.2408% | 1,955 |
| Total domestic deposits to total assets | 87.9924% | 1,560 |
| Equity capital to assets | 10.4325% | 3,668 |
| Core capital (leverage) ratio | 9.7899% | 3,913 |
| Tier 1 risk-based capital ratio | 17.4294% | 2,208 |
| Total risk-based capital ratio | 18.7070% | 2,155 |
| Memoranda: | ||
| Average total assets | $2,487,769,000 | 324 |
| Average earning assets | $2,310,581,750 | 319 |
| Average equity | $253,306,500 | 352 |
| Average total loans | $2,047,308,000 | 282 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5135% | 4,951 |
| Cost of funding earning assets | 0.6457% | 1,131 |
| Net interest margin | 2.8678% | 5,499 |
| Noninterest income to average assets | 2.4732% | 276 |
| Noninterest expense to average assets | 2.5604% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.5786% | 153 |
| Return on assets (ROA) | 2.5786% | 158 |
| Pretax return on assets | 2.5786% | 223 |
| Return on Equity (ROE) | 25.5295% | 111 |
| Retained earnings to average equity (ytd only) | 4.5834% | 3,119 |
| Net charge-offs to loans | 0.0036% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 871.7838% | 67 |
| Efficiency ratio | 49.8227% | 5,861 |
| Assets per employee ($millions) | 4.5096% | 2,970 |
| Cash dividends to net income (ytd only)* | 82.0468% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 3,034 |
| Loan loss allowance to noncurrent loans | 97.0661% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.2900% | 1,953 |
| Noncurrent loans to loans | 1.3793% | 1,962 |
| Net loans and leases to total assets | 80.1015% | 789 |
| Net loans and leases to deposits | 92.1206% | 1,359 |
| Net loans and leases to core deposits | 96.4705% | 1,759 |
| Total domestic deposits to total assets | 86.9529% | 2,196 |
| Equity capital to assets | 10.4582% | 3,487 |
| Core capital (leverage) ratio | 9.3357% | 4,508 |
| Tier 1 risk-based capital ratio | 17.5217% | 2,209 |
| Total risk-based capital ratio | 18.7989% | 2,158 |
| Memoranda: | ||
| Average total assets | $2,501,828,000 | 326 |
| Average earning assets | $2,325,521,000 | 313 |
| Average equity | $252,696,330 | 353 |
| Average total loans | $2,070,396,000 | 278 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4662% | 5,047 |
| Cost of funding earning assets | 0.6235% | 1,278 |
| Net interest margin | 2.8427% | 5,565 |
| Noninterest income to average assets | 1.5944% | 482 |
| Noninterest expense to average assets | 2.2525% | 4,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9906% | 348 |
| Return on assets (ROA) | 1.9906% | 364 |
| Pretax return on assets | 1.9906% | 595 |
| Return on Equity (ROE) | 20.0525% | 264 |
| Retained earnings to average equity (ytd only) | -0.0973% | 5,396 |
| Net charge-offs to loans | 0.0146% | 2,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 163.2597% | 335 |
| Efficiency ratio | 53.0863% | 5,744 |
| Assets per employee ($millions) | 4.7907% | 2,637 |
| Cash dividends to net income (ytd only)* | 100.4852% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 3,940 |
| Loan loss allowance to noncurrent loans | 89.0025% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 2,148 |
| Noncurrent loans to loans | 1.3558% | 2,120 |
| Net loans and leases to total assets | 83.6430% | 332 |
| Net loans and leases to deposits | 100.6816% | 526 |
| Net loans and leases to core deposits | 104.8630% | 1,008 |
| Total domestic deposits to total assets | 83.0767% | 4,159 |
| Equity capital to assets | 9.6211% | 4,605 |
| Core capital (leverage) ratio | 9.4864% | 4,300 |
| Tier 1 risk-based capital ratio | 15.6518% | 3,082 |
| Total risk-based capital ratio | 16.9110% | 3,018 |
| Memoranda: | ||
| Average total assets | $2,526,119,000 | 320 |
| Average earning assets | $2,353,682,000 | 310 |
| Average equity | $250,761,500 | 353 |
| Average total loans | $2,109,717,500 | 274 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3173% | 5,677 |
| Cost of funding earning assets | 0.6656% | 1,295 |
| Net interest margin | 2.6518% | 6,007 |
| Noninterest income to average assets | 1.6013% | 492 |
| Noninterest expense to average assets | 2.2105% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8559% | 423 |
| Return on assets (ROA) | 1.8559% | 439 |
| Pretax return on assets | 1.8559% | 705 |
| Return on Equity (ROE) | 18.2329% | 375 |
| Retained earnings to average equity (ytd only) | 1.6695% | 4,977 |
| Net charge-offs to loans | 0.0569% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 45.8589% | 991 |
| Efficiency ratio | 54.3603% | 5,812 |
| Assets per employee ($millions) | 4.6066% | 2,868 |
| Cash dividends to net income (ytd only)* | 90.8437% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 3,286 |
| Loan loss allowance to noncurrent loans | 99.4859% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 2,292 |
| Noncurrent loans to loans | 1.3334% | 2,204 |
| Net loans and leases to total assets | 81.2009% | 609 |
| Net loans and leases to deposits | 91.6817% | 1,322 |
| Net loans and leases to core deposits | 95.4431% | 1,769 |
| Total domestic deposits to total assets | 88.5683% | 1,481 |
| Equity capital to assets | 10.2524% | 3,787 |
| Core capital (leverage) ratio | 10.0035% | 3,572 |
| Tier 1 risk-based capital ratio | 17.1917% | 2,434 |
| Total risk-based capital ratio | 18.4379% | 2,385 |
| Memoranda: | ||
| Average total assets | $2,433,887,400 | 311 |
| Average earning assets | $2,262,562,800 | 302 |
| Average equity | $247,744,400 | 334 |
| Average total loans | $1,731,046,000 | 296 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2675% | 5,813 |
| Cost of funding earning assets | 0.6637% | 1,367 |
| Net interest margin | 2.6038% | 6,133 |
| Noninterest income to average assets | 1.7358% | 430 |
| Noninterest expense to average assets | 2.2182% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9365% | 386 |
| Return on assets (ROA) | 1.9365% | 396 |
| Pretax return on assets | 1.9365% | 651 |
| Return on Equity (ROE) | 19.0593% | 342 |
| Retained earnings to average equity (ytd only) | -0.1700% | 5,827 |
| Net charge-offs to loans | 0.0630% | 3,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 44.9758% | 1,045 |
| Efficiency ratio | 53.3896% | 5,886 |
| Assets per employee ($millions) | 4.3831% | 3,157 |
| Cash dividends to net income (ytd only)* | 100.8922% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 2,441 |
| Loan loss allowance to noncurrent loans | 85.5394% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.4468% | 2,134 |
| Noncurrent loans to loans | 1.8278% | 1,756 |
| Net loans and leases to total assets | 70.5196% | 2,106 |
| Net loans and leases to deposits | 79.8840% | 2,706 |
| Net loans and leases to core deposits | 82.9649% | 3,007 |
| Total domestic deposits to total assets | 88.2775% | 1,614 |
| Equity capital to assets | 10.2549% | 3,855 |
| Core capital (leverage) ratio | 9.9961% | 3,682 |
| Tier 1 risk-based capital ratio | 18.4572% | 2,067 |
| Total risk-based capital ratio | 19.7062% | 2,028 |
| Memoranda: | ||
| Average total assets | $2,430,835,500 | 309 |
| Average earning assets | $2,258,200,000 | 298 |
| Average equity | $246,984,750 | 334 |
| Average total loans | $1,660,569,000 | 301 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2073% | 5,937 |
| Cost of funding earning assets | 0.6612% | 1,427 |
| Net interest margin | 2.5461% | 6,225 |
| Noninterest income to average assets | 1.7284% | 437 |
| Noninterest expense to average assets | 2.1239% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9706% | 358 |
| Return on assets (ROA) | 1.9706% | 372 |
| Pretax return on assets | 1.9706% | 592 |
| Return on Equity (ROE) | 19.4541% | 322 |
| Retained earnings to average equity (ytd only) | 0.3778% | 5,586 |
| Net charge-offs to loans | 0.0540% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 54.2799% | 870 |
| Efficiency ratio | 51.8714% | 6,077 |
| Assets per employee ($millions) | 4.3653% | 3,148 |
| Cash dividends to net income (ytd only)* | 98.0579% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 2,510 |
| Loan loss allowance to noncurrent loans | 89.9412% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.4406% | 2,261 |
| Noncurrent loans to loans | 1.7662% | 1,950 |
| Net loans and leases to total assets | 69.5431% | 2,147 |
| Net loans and leases to deposits | 79.4516% | 2,587 |
| Net loans and leases to core deposits | 82.3460% | 2,935 |
| Total domestic deposits to total assets | 87.5288% | 2,184 |
| Equity capital to assets | 10.1798% | 3,859 |
| Core capital (leverage) ratio | 9.9250% | 3,713 |
| Tier 1 risk-based capital ratio | 18.6050% | 2,036 |
| Total risk-based capital ratio | 19.8555% | 1,990 |
| Memoranda: | ||
| Average total assets | $2,440,472,330 | 305 |
| Average earning assets | $2,267,842,000 | 296 |
| Average equity | $247,208,000 | 329 |
| Average total loans | $1,640,515,330 | 299 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0429% | 6,198 |
| Cost of funding earning assets | 0.6611% | 1,504 |
| Net interest margin | 2.3818% | 6,430 |
| Noninterest income to average assets | 1.7495% | 415 |
| Noninterest expense to average assets | 2.0901% | 5,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8758% | 419 |
| Return on assets (ROA) | 1.8758% | 440 |
| Pretax return on assets | 1.8758% | 685 |
| Return on Equity (ROE) | 18.5639% | 392 |
| Retained earnings to average equity (ytd only) | 2.1628% | 4,738 |
| Net charge-offs to loans | -0.1160% | 6,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7016% | 6,100 |
| Assets per employee ($millions) | 4.3254% | 3,295 |
| Cash dividends to net income (ytd only)* | 88.3496% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 2,167 |
| Loan loss allowance to noncurrent loans | 74.6592% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.7583% | 1,998 |
| Noncurrent loans to loans | 2.3523% | 1,496 |
| Net loans and leases to total assets | 64.6756% | 2,780 |
| Net loans and leases to deposits | 73.0940% | 3,190 |
| Net loans and leases to core deposits | 75.5627% | 3,458 |
| Total domestic deposits to total assets | 88.4828% | 1,947 |
| Equity capital to assets | 10.1820% | 3,618 |
| Core capital (leverage) ratio | 9.9271% | 3,666 |
| Tier 1 risk-based capital ratio | 19.9730% | 1,731 |
| Total risk-based capital ratio | 21.2209% | 1,697 |
| Memoranda: | ||
| Average total assets | $2,447,155,500 | 304 |
| Average earning assets | $2,277,286,500 | 295 |
| Average equity | $247,275,000 | 329 |
| Average total loans | $1,603,208,500 | 303 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4349% | 5,767 |
| Cost of funding earning assets | 0.6763% | 1,986 |
| Net interest margin | 2.7585% | 6,048 |
| Noninterest income to average assets | 3.2184% | 205 |
| Noninterest expense to average assets | 2.5453% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 3.2323% | 92 |
| Return on assets (ROA) | 3.2323% | 92 |
| Pretax return on assets | 3.2323% | 97 |
| Return on Equity (ROE) | 35.4952% | 38 |
| Retained earnings to average equity (ytd only) | 15.5394% | 155 |
| Net charge-offs to loans | 0.0735% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 58.0667% | 707 |
| Efficiency ratio | 44.0548% | 6,618 |
| Assets per employee ($millions) | 4.3371% | 3,203 |
| Cash dividends to net income (ytd only)* | 56.2210% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 2,318 |
| Loan loss allowance to noncurrent loans | 72.0374% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.7681% | 2,097 |
| Noncurrent loans to loans | 2.3974% | 1,593 |
| Net loans and leases to total assets | 64.0717% | 3,034 |
| Net loans and leases to deposits | 72.1483% | 3,501 |
| Net loans and leases to core deposits | 74.5534% | 3,779 |
| Total domestic deposits to total assets | 88.8055% | 1,748 |
| Equity capital to assets | 10.0279% | 3,735 |
| Core capital (leverage) ratio | 9.7737% | 3,880 |
| Tier 1 risk-based capital ratio | 20.0288% | 1,648 |
| Total risk-based capital ratio | 21.2815% | 1,618 |
| Memoranda: | ||
| Average total assets | $2,479,120,600 | 295 |
| Average earning assets | $2,299,949,400 | 286 |
| Average equity | $225,754,600 | 341 |
| Average total loans | $1,878,522,200 | 266 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4990% | 5,688 |
| Cost of funding earning assets | 0.6751% | 2,140 |
| Net interest margin | 2.8240% | 5,976 |
| Noninterest income to average assets | 3.5750% | 195 |
| Noninterest expense to average assets | 2.6382% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 3.5543% | 75 |
| Return on assets (ROA) | 3.5543% | 74 |
| Pretax return on assets | 3.5543% | 92 |
| Return on Equity (ROE) | 40.0340% | 30 |
| Retained earnings to average equity (ytd only) | 10.7133% | 638 |
| Net charge-offs to loans | 0.0783% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 57.8853% | 777 |
| Efficiency ratio | 42.6032% | 6,692 |
| Assets per employee ($millions) | 4.1439% | 3,548 |
| Cash dividends to net income (ytd only)* | 73.2396% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 2,473 |
| Loan loss allowance to noncurrent loans | 72.2204% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.8510% | 2,199 |
| Noncurrent loans to loans | 2.4158% | 1,816 |
| Net loans and leases to total assets | 64.7618% | 2,859 |
| Net loans and leases to deposits | 73.0160% | 3,402 |
| Net loans and leases to core deposits | 75.4659% | 3,676 |
| Total domestic deposits to total assets | 88.6952% | 1,726 |
| Equity capital to assets | 9.4415% | 4,627 |
| Core capital (leverage) ratio | 9.1915% | 4,844 |
| Tier 1 risk-based capital ratio | 18.9809% | 1,997 |
| Total risk-based capital ratio | 20.2326% | 1,952 |
| Memoranda: | ||
| Average total assets | $2,484,119,000 | 296 |
| Average earning assets | $2,302,474,500 | 286 |
| Average equity | $220,543,500 | 346 |
| Average total loans | $1,947,329,500 | 259 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5102% | 5,674 |
| Cost of funding earning assets | 0.6656% | 2,354 |
| Net interest margin | 2.8446% | 5,911 |
| Noninterest income to average assets | 4.3812% | 173 |
| Noninterest expense to average assets | 2.6793% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 4.3354% | 51 |
| Return on assets (ROA) | 4.3354% | 52 |
| Pretax return on assets | 4.3354% | 73 |
| Return on Equity (ROE) | 49.8550% | 20 |
| Retained earnings to average equity (ytd only) | 10.8788% | 666 |
| Net charge-offs to loans | 0.1289% | 3,088 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 40.7902% | 919 |
| Efficiency ratio | 38.1959% | 6,824 |
| Assets per employee ($millions) | 4.0028% | 3,794 |
| Cash dividends to net income (ytd only)* | 78.1792% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 3,525 |
| Loan loss allowance to noncurrent loans | 143.4452% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 3,590 |
| Noncurrent loans to loans | 1.0551% | 3,823 |
| Net loans and leases to total assets | 72.7324% | 1,446 |
| Net loans and leases to deposits | 83.7806% | 1,826 |
| Net loans and leases to core deposits | 86.5611% | 2,283 |
| Total domestic deposits to total assets | 86.8130% | 2,932 |
| Equity capital to assets | 9.0015% | 5,215 |
| Core capital (leverage) ratio | 8.7651% | 5,335 |
| Tier 1 risk-based capital ratio | 16.6599% | 2,859 |
| Total risk-based capital ratio | 17.9363% | 2,815 |
| Memoranda: | ||
| Average total assets | $2,502,723,670 | 297 |
| Average earning assets | $2,316,977,670 | 288 |
| Average equity | $217,635,000 | 352 |
| Average total loans | $2,062,927,000 | 246 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 5,614 |
| Cost of funding earning assets | 0.6545% | 2,616 |
| Net interest margin | 2.8831% | 5,850 |
| Noninterest income to average assets | 5.1930% | 138 |
| Noninterest expense to average assets | 2.5438% | 4,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 5.3289% | 43 |
| Return on assets (ROA) | 5.3289% | 46 |
| Pretax return on assets | 5.3289% | 58 |
| Return on Equity (ROE) | 62.3630% | 18 |
| Retained earnings to average equity (ytd only) | 11.6560% | 757 |
| Net charge-offs to loans | 0.0819% | 3,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 75.0717% | 492 |
| Efficiency ratio | 32.3117% | 6,946 |
| Assets per employee ($millions) | 4.1429% | 3,643 |
| Cash dividends to net income (ytd only)* | 81.3094% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 4,493 |
| Loan loss allowance to noncurrent loans | 140.4830% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.0343% | 3,864 |
| Noncurrent loans to loans | 0.9573% | 4,225 |
| Net loans and leases to total assets | 84.1896% | 184 |
| Net loans and leases to deposits | 96.0948% | 536 |
| Net loans and leases to core deposits | 99.0445% | 1,002 |
| Total domestic deposits to total assets | 87.6109% | 2,564 |
| Equity capital to assets | 8.7359% | 5,778 |
| Core capital (leverage) ratio | 8.5143% | 5,571 |
| Tier 1 risk-based capital ratio | 15.2177% | 3,699 |
| Total risk-based capital ratio | 16.4800% | 3,642 |
| Memoranda: | ||
| Average total assets | $2,513,220,000 | 299 |
| Average earning assets | $2,335,929,500 | 291 |
| Average equity | $214,755,500 | 366 |
| Average total loans | $2,178,010,500 | 236 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 6,166 |
| Cost of funding earning assets | 0.7798% | 2,832 |
| Net interest margin | 2.8520% | 6,307 |
| Noninterest income to average assets | 3.8172% | 192 |
| Noninterest expense to average assets | 2.4931% | 5,121 |
| Loan and lease loss provision to assets | 0.0084% | 5,816 |
| Net operating income to assets | 3.8666% | 64 |
| Return on assets (ROA) | 3.8666% | 65 |
| Pretax return on assets | 3.8666% | 82 |
| Return on Equity (ROE) | 47.4666% | 17 |
| Retained earnings to average equity (ytd only) | 17.1374% | 89 |
| Net charge-offs to loans | -0.0391% | 6,660 |
| Credit loss provision to net charge-offs | -26.1780% | 6,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1493% | 6,945 |
| Assets per employee ($millions) | 4.3587% | 3,235 |
| Cash dividends to net income (ytd only)* | 63.8960% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,606 |
| Loan loss allowance to noncurrent loans | 145.8724% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 3,858 |
| Noncurrent loans to loans | 0.8945% | 4,389 |
| Net loans and leases to total assets | 86.8192% | 110 |
| Net loans and leases to deposits | 99.3802% | 436 |
| Net loans and leases to core deposits | 102.1069% | 887 |
| Total domestic deposits to total assets | 87.3607% | 2,609 |
| Equity capital to assets | 8.3570% | 6,156 |
| Core capital (leverage) ratio | 8.1338% | 6,057 |
| Tier 1 risk-based capital ratio | 14.3836% | 4,108 |
| Total risk-based capital ratio | 15.6504% | 4,050 |
| Memoranda: | ||
| Average total assets | $2,372,770,800 | 308 |
| Average earning assets | $2,122,297,000 | 305 |
| Average equity | $193,285,400 | 387 |
| Average total loans | $1,953,136,800 | 253 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7280% | 6,176 |
| Cost of funding earning assets | 0.8152% | 2,816 |
| Net interest margin | 2.9128% | 6,329 |
| Noninterest income to average assets | 3.0225% | 243 |
| Noninterest expense to average assets | 2.3280% | 5,601 |
| Loan and lease loss provision to assets | 0.0114% | 5,667 |
| Net operating income to assets | 3.2619% | 86 |
| Return on assets (ROA) | 3.2619% | 91 |
| Pretax return on assets | 3.2619% | 124 |
| Return on Equity (ROE) | 40.3271% | 27 |
| Retained earnings to average equity (ytd only) | 13.3684% | 361 |
| Net charge-offs to loans | 0.0529% | 4,914 |
| Credit loss provision to net charge-offs | 26.7380% | 4,852 |
| Earnings coverage of net charge-offs (x) | 76.5694% | 532 |
| Efficiency ratio | 41.5607% | 6,978 |
| Assets per employee ($millions) | 4.5627% | 2,803 |
| Cash dividends to net income (ytd only)* | 66.8501% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,040 |
| Loan loss allowance to noncurrent loans | 133.2946% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 1.1461% | 4,000 |
| Noncurrent loans to loans | 0.9388% | 4,556 |
| Net loans and leases to total assets | 85.5621% | 162 |
| Net loans and leases to deposits | 102.1934% | 338 |
| Net loans and leases to core deposits | 104.8945% | 815 |
| Total domestic deposits to total assets | 83.7257% | 4,348 |
| Equity capital to assets | 7.7693% | 6,685 |
| Core capital (leverage) ratio | 7.5387% | 6,600 |
| Tier 1 risk-based capital ratio | 13.4353% | 4,918 |
| Total risk-based capital ratio | 14.7001% | 4,874 |
| Memoranda: | ||
| Average total assets | $2,332,866,750 | 309 |
| Average earning assets | $2,065,378,750 | 311 |
| Average equity | $188,698,750 | 391 |
| Average total loans | $1,884,504,250 | 257 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7951% | 6,153 |
| Cost of funding earning assets | 0.8711% | 2,653 |
| Net interest margin | 2.9240% | 6,390 |
| Noninterest income to average assets | 2.9970% | 244 |
| Noninterest expense to average assets | 2.0649% | 6,306 |
| Loan and lease loss provision to assets | 0.0177% | 5,445 |
| Net operating income to assets | 3.4626% | 77 |
| Return on assets (ROA) | 3.4626% | 76 |
| Pretax return on assets | 3.4626% | 107 |
| Return on Equity (ROE) | 42.1838% | 35 |
| Retained earnings to average equity (ytd only) | 12.4738% | 509 |
| Net charge-offs to loans | 0.0912% | 4,248 |
| Credit loss provision to net charge-offs | 24.6609% | 4,535 |
| Earnings coverage of net charge-offs (x) | 48.5635% | 747 |
| Efficiency ratio | 37.2381% | 7,105 |
| Assets per employee ($millions) | 4.2291% | 3,404 |
| Cash dividends to net income (ytd only)* | 70.4300% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 4,382 |
| Loan loss allowance to noncurrent loans | 117.6523% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3712% | 3,692 |
| Noncurrent loans to loans | 1.2071% | 4,139 |
| Net loans and leases to total assets | 82.0458% | 334 |
| Net loans and leases to deposits | 92.2411% | 926 |
| Net loans and leases to core deposits | 94.7414% | 1,530 |
| Total domestic deposits to total assets | 88.9471% | 1,541 |
| Equity capital to assets | 8.1735% | 6,475 |
| Core capital (leverage) ratio | 7.9230% | 6,346 |
| Tier 1 risk-based capital ratio | 13.9267% | 4,500 |
| Total risk-based capital ratio | 15.1684% | 4,486 |
| Memoranda: | ||
| Average total assets | $2,263,353,330 | 319 |
| Average earning assets | $1,972,414,000 | 322 |
| Average equity | $185,782,000 | 398 |
| Average total loans | $1,778,659,670 | 264 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 5,756 |
| Cost of funding earning assets | 0.9454% | 2,339 |
| Net interest margin | 3.0540% | 6,173 |
| Noninterest income to average assets | 3.7514% | 181 |
| Noninterest expense to average assets | 2.1342% | 6,191 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 4.2102% | 58 |
| Return on assets (ROA) | 4.2102% | 63 |
| Pretax return on assets | 4.2102% | 76 |
| Return on Equity (ROE) | 51.1788% | 28 |
| Retained earnings to average equity (ytd only) | 22.1594% | 130 |
| Net charge-offs to loans | 0.0064% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 870.1111% | 20 |
| Efficiency ratio | 33.6393% | 7,206 |
| Assets per employee ($millions) | 4.2447% | 3,498 |
| Cash dividends to net income (ytd only)* | 56.7020% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 3,586 |
| Loan loss allowance to noncurrent loans | 130.9698% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 3,887 |
| Noncurrent loans to loans | 1.2501% | 4,246 |
| Net loans and leases to total assets | 75.1164% | 905 |
| Net loans and leases to deposits | 83.6572% | 1,706 |
| Net loans and leases to core deposits | 85.8862% | 2,305 |
| Total domestic deposits to total assets | 89.7907% | 1,200 |
| Equity capital to assets | 8.4037% | 6,175 |
| Core capital (leverage) ratio | 8.1477% | 6,096 |
| Tier 1 risk-based capital ratio | 14.9318% | 3,798 |
| Total risk-based capital ratio | 16.1965% | 3,751 |
| Memoranda: | ||
| Average total assets | $2,232,033,500 | 317 |
| Average earning assets | $1,895,082,500 | 332 |
| Average equity | $183,615,000 | 396 |
| Average total loans | $1,700,053,500 | 271 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 6,859 |
| Cost of funding earning assets | 1.1684% | 2,229 |
| Net interest margin | 2.5213% | 7,049 |
| Noninterest income to average assets | 3.4760% | 178 |
| Noninterest expense to average assets | 2.0907% | 6,507 |
| Loan and lease loss provision to assets | 0.6424% | 1,589 |
| Net operating income to assets | 2.9371% | 91 |
| Return on assets (ROA) | 2.9371% | 92 |
| Pretax return on assets | 2.9371% | 130 |
| Return on Equity (ROE) | 38.2109% | 20 |
| Retained earnings to average equity (ytd only) | 13.4882% | 196 |
| Net charge-offs to loans | 0.2830% | 4,009 |
| Credit loss provision to net charge-offs | 292.0278% | 812 |
| Earnings coverage of net charge-offs (x) | 16.2720% | 1,341 |
| Efficiency ratio | 36.8726% | 7,243 |
| Assets per employee ($millions) | 4.3417% | 3,179 |
| Cash dividends to net income (ytd only)* | 64.7005% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 3,322 |
| Loan loss allowance to noncurrent loans | 134.3838% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.2795% | 4,081 |
| Noncurrent loans to loans | 1.2389% | 4,296 |
| Net loans and leases to total assets | 74.6984% | 1,140 |
| Net loans and leases to deposits | 82.9709% | 2,071 |
| Net loans and leases to core deposits | 85.1711% | 2,731 |
| Total domestic deposits to total assets | 90.0296% | 980 |
| Equity capital to assets | 8.0469% | 6,540 |
| Core capital (leverage) ratio | 7.7941% | 6,444 |
| Tier 1 risk-based capital ratio | 13.3354% | 4,816 |
| Total risk-based capital ratio | 14.5969% | 4,780 |
| Memoranda: | ||
| Average total assets | $2,161,140,200 | 320 |
| Average earning assets | $1,880,753,200 | 331 |
| Average equity | $166,115,000 | 426 |
| Average total loans | $1,679,894,800 | 270 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 6,782 |
| Cost of funding earning assets | 1.2086% | 2,270 |
| Net interest margin | 2.6471% | 7,035 |
| Noninterest income to average assets | 2.8159% | 232 |
| Noninterest expense to average assets | 2.1885% | 6,306 |
| Loan and lease loss provision to assets | 0.5745% | 1,710 |
| Net operating income to assets | 2.3701% | 187 |
| Return on assets (ROA) | 2.3701% | 199 |
| Pretax return on assets | 2.3701% | 314 |
| Return on Equity (ROE) | 31.2126% | 46 |
| Retained earnings to average equity (ytd only) | 12.4479% | 445 |
| Net charge-offs to loans | 0.0044% | 6,132 |
| Credit loss provision to net charge-offs | 16,818.1818% | 13 |
| Earnings coverage of net charge-offs (x) | 862.0359% | 35 |
| Efficiency ratio | 42.6357% | 7,189 |
| Assets per employee ($millions) | 4.2518% | 3,360 |
| Cash dividends to net income (ytd only)* | 60.1190% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 3,579 |
| Loan loss allowance to noncurrent loans | 126.7258% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 1.4113% | 4,013 |
| Noncurrent loans to loans | 1.2776% | 4,397 |
| Net loans and leases to total assets | 77.4405% | 776 |
| Net loans and leases to deposits | 85.4501% | 1,765 |
| Net loans and leases to core deposits | 87.8538% | 2,513 |
| Total domestic deposits to total assets | 90.6266% | 579 |
| Equity capital to assets | 7.7647% | 6,817 |
| Core capital (leverage) ratio | 7.6774% | 6,652 |
| Tier 1 risk-based capital ratio | 12.2800% | 5,681 |
| Total risk-based capital ratio | 13.5399% | 5,660 |
| Memoranda: | ||
| Average total assets | $2,146,773,500 | 326 |
| Average earning assets | $1,879,186,000 | 330 |
| Average equity | $163,011,500 | 443 |
| Average total loans | $1,678,538,000 | 268 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2387% | 6,199 |
| Cost of funding earning assets | 1.2900% | 2,005 |
| Net interest margin | 2.9487% | 6,696 |
| Noninterest income to average assets | 3.2406% | 205 |
| Noninterest expense to average assets | 2.4743% | 5,628 |
| Loan and lease loss provision to assets | 0.8698% | 1,033 |
| Net operating income to assets | 2.4290% | 182 |
| Return on assets (ROA) | 2.4290% | 188 |
| Pretax return on assets | 2.4290% | 276 |
| Return on Equity (ROE) | 32.2402% | 57 |
| Retained earnings to average equity (ytd only) | 9.7607% | 906 |
| Net charge-offs to loans | -0.0193% | 6,813 |
| Credit loss provision to net charge-offs | -5,781.2500% | 6,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8590% | 7,276 |
| Assets per employee ($millions) | 4.4480% | 2,932 |
| Cash dividends to net income (ytd only)* | 69.7251% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 3,161 |
| Loan loss allowance to noncurrent loans | 131.0125% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 1.3845% | 4,147 |
| Noncurrent loans to loans | 1.3334% | 4,423 |
| Net loans and leases to total assets | 74.1862% | 1,377 |
| Net loans and leases to deposits | 82.5625% | 2,362 |
| Net loans and leases to core deposits | 85.0766% | 3,063 |
| Total domestic deposits to total assets | 89.8545% | 1,044 |
| Equity capital to assets | 7.6309% | 6,887 |
| Core capital (leverage) ratio | 7.6309% | 6,643 |
| Tier 1 risk-based capital ratio | 12.3327% | 5,491 |
| Total risk-based capital ratio | 13.5937% | 5,460 |
| Memoranda: | ||
| Average total assets | $2,126,808,330 | 332 |
| Average earning assets | $1,826,641,670 | 348 |
| Average equity | $160,234,670 | 454 |
| Average total loans | $1,659,058,000 | 275 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 4,729 |
| Cost of funding earning assets | 1.3171% | 2,087 |
| Net interest margin | 3.3369% | 5,653 |
| Noninterest income to average assets | 4.8397% | 138 |
| Noninterest expense to average assets | 2.5463% | 5,398 |
| Loan and lease loss provision to assets | 1.5123% | 422 |
| Net operating income to assets | 3.6714% | 85 |
| Return on assets (ROA) | 3.6714% | 87 |
| Pretax return on assets | 3.6714% | 114 |
| Return on Equity (ROE) | 49.0515% | 33 |
| Retained earnings to average equity (ytd only) | 11.4054% | 826 |
| Net charge-offs to loans | -0.0114% | 6,397 |
| Credit loss provision to net charge-offs | -16,666.6667% | 6,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.9404% | 7,476 |
| Assets per employee ($millions) | 4.1730% | 3,496 |
| Cash dividends to net income (ytd only)* | 76.7480% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 2,940 |
| Loan loss allowance to noncurrent loans | 126.7895% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.4332% | 4,122 |
| Noncurrent loans to loans | 1.4380% | 4,314 |
| Net loans and leases to total assets | 68.9290% | 2,343 |
| Net loans and leases to deposits | 76.1534% | 3,395 |
| Net loans and leases to core deposits | 78.3864% | 3,970 |
| Total domestic deposits to total assets | 90.5133% | 834 |
| Equity capital to assets | 7.6227% | 6,801 |
| Core capital (leverage) ratio | 7.5760% | 6,679 |
| Tier 1 risk-based capital ratio | 13.7559% | 4,241 |
| Total risk-based capital ratio | 15.0193% | 4,209 |
| Memoranda: | ||
| Average total assets | $2,116,009,500 | 334 |
| Average earning assets | $1,832,863,000 | 346 |
| Average equity | $158,380,500 | 452 |
| Average total loans | $1,677,508,000 | 277 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 7,217 |
| Cost of funding earning assets | 1.6556% | 1,799 |
| Net interest margin | 2.2198% | 7,391 |
| Noninterest income to average assets | 3.9031% | 169 |
| Noninterest expense to average assets | 2.6308% | 5,293 |
| Loan and lease loss provision to assets | 1.0154% | 1,601 |
| Net operating income to assets | 2.2474% | 171 |
| Return on assets (ROA) | 2.2502% | 176 |
| Pretax return on assets | 2.2502% | 284 |
| Return on Equity (ROE) | 31.9025% | 32 |
| Retained earnings to average equity (ytd only) | 13.2287% | 200 |
| Net charge-offs to loans | 1.0873% | 2,047 |
| Credit loss provision to net charge-offs | 113.5876% | 3,830 |
| Earnings coverage of net charge-offs (x) | 3.6501% | 3,254 |
| Efficiency ratio | 44.6384% | 7,396 |
| Assets per employee ($millions) | 3.8984% | 4,008 |
| Cash dividends to net income (ytd only)* | 58.5339% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 6,347 |
| Loan loss allowance to noncurrent loans | 81.8728% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4109% | 4,231 |
| Noncurrent loans to loans | 1.2328% | 4,661 |
| Net loans and leases to total assets | 87.3803% | 119 |
| Net loans and leases to deposits | 96.0759% | 861 |
| Net loans and leases to core deposits | 98.8196% | 1,718 |
| Total domestic deposits to total assets | 90.9492% | 621 |
| Equity capital to assets | 7.3482% | 6,973 |
| Core capital (leverage) ratio | 7.3482% | 6,821 |
| Tier 1 risk-based capital ratio | 12.0704% | 5,408 |
| Total risk-based capital ratio | 13.3231% | 5,391 |
| Memoranda: | ||
| Average total assets | $2,053,372,600 | 340 |
| Average earning assets | $1,841,165,200 | 336 |
| Average equity | $144,828,800 | 476 |
| Average total loans | $1,688,184,200 | 283 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 7,336 |
| Cost of funding earning assets | 1.7405% | 1,671 |
| Net interest margin | 2.1646% | 7,524 |
| Noninterest income to average assets | 3.2176% | 209 |
| Noninterest expense to average assets | 2.3859% | 6,075 |
| Loan and lease loss provision to assets | 0.6828% | 2,234 |
| Net operating income to assets | 2.0899% | 292 |
| Return on assets (ROA) | 2.0936% | 311 |
| Pretax return on assets | 2.0936% | 512 |
| Return on Equity (ROE) | 30.0103% | 51 |
| Retained earnings to average equity (ytd only) | 11.3561% | 545 |
| Net charge-offs to loans | 0.7093% | 2,647 |
| Credit loss provision to net charge-offs | 119.3885% | 3,458 |
| Earnings coverage of net charge-offs (x) | 4.8479% | 2,918 |
| Efficiency ratio | 46.2499% | 7,373 |
| Assets per employee ($millions) | 3.9935% | 3,852 |
| Cash dividends to net income (ytd only)* | 62.1594% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 6,562 |
| Loan loss allowance to noncurrent loans | 84.7340% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.3968% | 4,362 |
| Noncurrent loans to loans | 1.1235% | 4,991 |
| Net loans and leases to total assets | 86.8178% | 150 |
| Net loans and leases to deposits | 94.5782% | 1,143 |
| Net loans and leases to core deposits | 97.2459% | 2,126 |
| Total domestic deposits to total assets | 91.7947% | 230 |
| Equity capital to assets | 6.8613% | 7,373 |
| Core capital (leverage) ratio | 6.8613% | 7,228 |
| Tier 1 risk-based capital ratio | 10.7490% | 6,590 |
| Total risk-based capital ratio | 11.9991% | 6,575 |
| Memoranda: | ||
| Average total assets | $2,035,557,000 | 341 |
| Average earning assets | $1,825,283,750 | 337 |
| Average equity | $142,005,500 | 480 |
| Average total loans | $1,641,370,000 | 289 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 7,240 |
| Cost of funding earning assets | 1.8323% | 1,521 |
| Net interest margin | 2.3097% | 7,527 |
| Noninterest income to average assets | 3.0837% | 215 |
| Noninterest expense to average assets | 2.4686% | 5,844 |
| Loan and lease loss provision to assets | 0.8518% | 1,710 |
| Net operating income to assets | 1.8327% | 457 |
| Return on assets (ROA) | 1.8327% | 495 |
| Pretax return on assets | 1.8327% | 833 |
| Return on Equity (ROE) | 26.1144% | 105 |
| Retained earnings to average equity (ytd only) | 7.6474% | 1,578 |
| Net charge-offs to loans | 0.7289% | 2,400 |
| Credit loss provision to net charge-offs | 149.6557% | 2,632 |
| Earnings coverage of net charge-offs (x) | 4.7166% | 2,869 |
| Efficiency ratio | 47.9053% | 7,352 |
| Assets per employee ($millions) | 3.9213% | 3,925 |
| Cash dividends to net income (ytd only)* | 70.7157% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 5,140 |
| Loan loss allowance to noncurrent loans | 85.5498% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.4915% | 4,221 |
| Noncurrent loans to loans | 1.4700% | 4,501 |
| Net loans and leases to total assets | 74.3987% | 1,828 |
| Net loans and leases to deposits | 81.7714% | 3,306 |
| Net loans and leases to core deposits | 84.5110% | 4,067 |
| Total domestic deposits to total assets | 90.9837% | 488 |
| Equity capital to assets | 7.0057% | 7,348 |
| Core capital (leverage) ratio | 7.0057% | 7,191 |
| Tier 1 risk-based capital ratio | 11.5427% | 5,723 |
| Total risk-based capital ratio | 12.7967% | 5,693 |
| Memoranda: | ||
| Average total assets | $1,989,923,000 | 348 |
| Average earning assets | $1,782,919,000 | 347 |
| Average equity | $139,654,670 | 484 |
| Average total loans | $1,553,757,000 | 301 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 7,026 |
| Cost of funding earning assets | 1.9222% | 1,362 |
| Net interest margin | 2.4581% | 7,503 |
| Noninterest income to average assets | 3.7974% | 171 |
| Noninterest expense to average assets | 2.6258% | 5,247 |
| Loan and lease loss provision to assets | 0.8785% | 1,449 |
| Net operating income to assets | 2.4903% | 152 |
| Return on assets (ROA) | 2.4903% | 167 |
| Pretax return on assets | 2.4903% | 256 |
| Return on Equity (ROE) | 35.4513% | 49 |
| Retained earnings to average equity (ytd only) | 7.9086% | 1,745 |
| Net charge-offs to loans | 0.7420% | 2,023 |
| Credit loss provision to net charge-offs | 148.9325% | 2,397 |
| Earnings coverage of net charge-offs (x) | 5.7111% | 2,345 |
| Efficiency ratio | 43.8025% | 7,627 |
| Assets per employee ($millions) | 3.7388% | 4,470 |
| Cash dividends to net income (ytd only)* | 77.6917% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 5,400 |
| Loan loss allowance to noncurrent loans | 77.9262% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.5084% | 4,241 |
| Noncurrent loans to loans | 1.5642% | 4,398 |
| Net loans and leases to total assets | 72.6115% | 2,298 |
| Net loans and leases to deposits | 79.1720% | 3,810 |
| Net loans and leases to core deposits | 81.9237% | 4,498 |
| Total domestic deposits to total assets | 91.7136% | 319 |
| Equity capital to assets | 7.0101% | 7,364 |
| Core capital (leverage) ratio | 7.0101% | 7,241 |
| Tier 1 risk-based capital ratio | 11.5430% | 5,636 |
| Total risk-based capital ratio | 12.7959% | 5,604 |
| Memoranda: | ||
| Average total assets | $1,969,257,500 | 361 |
| Average earning assets | $1,760,232,000 | 362 |
| Average equity | $138,330,500 | 494 |
| Average total loans | $1,565,399,000 | 309 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 7,217 |
| Cost of funding earning assets | 2.4825% | 1,062 |
| Net interest margin | 2.1648% | 7,665 |
| Noninterest income to average assets | 2.3423% | 301 |
| Noninterest expense to average assets | 3.3087% | 2,987 |
| Loan and lease loss provision to assets | 0.8678% | 2,575 |
| Net operating income to assets | 0.1376% | 5,090 |
| Return on assets (ROA) | 1.6899% | 482 |
| Pretax return on assets | 1.6899% | 799 |
| Return on Equity (ROE) | 23.8732% | 108 |
| Retained earnings to average equity (ytd only) | 11.3062% | 264 |
| Net charge-offs to loans | 0.4300% | 4,077 |
| Credit loss provision to net charge-offs | 232.8709% | 1,569 |
| Earnings coverage of net charge-offs (x) | 2.6979% | 3,757 |
| Efficiency ratio | 76.6950% | 3,409 |
| Assets per employee ($millions) | 3.6505% | 4,646 |
| Cash dividends to net income (ytd only)* | 52.6406% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 6,460 |
| Loan loss allowance to noncurrent loans | 63.7485% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.6139% | 3,952 |
| Noncurrent loans to loans | 1.5475% | 4,333 |
| Net loans and leases to total assets | 84.7763% | 367 |
| Net loans and leases to deposits | 92.6868% | 1,787 |
| Net loans and leases to core deposits | 120.8449% | 1,892 |
| Total domestic deposits to total assets | 91.4654% | 390 |
| Equity capital to assets | 7.0392% | 7,352 |
| Core capital (leverage) ratio | 7.0392% | 7,205 |
| Tier 1 risk-based capital ratio | 10.6834% | 6,224 |
| Total risk-based capital ratio | 11.9334% | 6,199 |
| Memoranda: | ||
| Average total assets | $1,837,602,000 | 389 |
| Average earning assets | $1,673,701,000 | 386 |
| Average equity | $130,079,000 | 514 |
| Average total loans | $1,592,726,200 | 318 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7194% | 7,252 |
| Cost of funding earning assets | 2.6129% | 998 |
| Net interest margin | 2.1065% | 7,759 |
| Noninterest income to average assets | 2.0886% | 339 |
| Noninterest expense to average assets | 3.4112% | 2,543 |
| Loan and lease loss provision to assets | 0.9335% | 2,061 |
| Net operating income to assets | -0.3316% | 6,243 |
| Return on assets (ROA) | 1.7690% | 508 |
| Pretax return on assets | 1.7690% | 855 |
| Return on Equity (ROE) | 24.9535% | 108 |
| Retained earnings to average equity (ytd only) | 11.9143% | 349 |
| Net charge-offs to loans | 0.4310% | 3,527 |
| Credit loss provision to net charge-offs | 249.0570% | 1,733 |
| Earnings coverage of net charge-offs (x) | 1.6059% | 4,596 |
| Efficiency ratio | 85.0010% | 2,186 |
| Assets per employee ($millions) | 3.6226% | 4,628 |
| Cash dividends to net income (ytd only)* | 52.2541% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 6,568 |
| Loan loss allowance to noncurrent loans | 54.2951% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.7351% | 3,765 |
| Noncurrent loans to loans | 1.7434% | 4,013 |
| Net loans and leases to total assets | 83.2211% | 641 |
| Net loans and leases to deposits | 90.8404% | 2,424 |
| Net loans and leases to core deposits | 119.1215% | 2,321 |
| Total domestic deposits to total assets | 91.6124% | 238 |
| Equity capital to assets | 7.1264% | 7,536 |
| Core capital (leverage) ratio | 7.1264% | 7,336 |
| Tier 1 risk-based capital ratio | 11.0364% | 5,914 |
| Total risk-based capital ratio | 12.2808% | 5,887 |
| Memoranda: | ||
| Average total assets | $1,810,575,250 | 405 |
| Average earning assets | $1,654,128,000 | 401 |
| Average equity | $128,358,000 | 530 |
| Average total loans | $1,574,423,750 | 334 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 7,316 |
| Cost of funding earning assets | 2.7280% | 971 |
| Net interest margin | 2.0221% | 7,851 |
| Noninterest income to average assets | 1.4591% | 699 |
| Noninterest expense to average assets | 3.7019% | 1,835 |
| Loan and lease loss provision to assets | 0.9057% | 1,864 |
| Net operating income to assets | -1.2941% | 7,160 |
| Return on assets (ROA) | 1.8957% | 408 |
| Pretax return on assets | 1.8957% | 702 |
| Return on Equity (ROE) | 26.7886% | 109 |
| Retained earnings to average equity (ytd only) | 12.9716% | 333 |
| Net charge-offs to loans | 0.3326% | 3,515 |
| Credit loss provision to net charge-offs | 309.5147% | 1,504 |
| Earnings coverage of net charge-offs (x) | -1.3271% | 6,294 |
| Efficiency ratio | 111.7200% | 803 |
| Assets per employee ($millions) | 3.6230% | 4,511 |
| Cash dividends to net income (ytd only)* | 51.5779% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 7,286 |
| Loan loss allowance to noncurrent loans | 46.1231% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 1.7697% | 3,521 |
| Noncurrent loans to loans | 1.6393% | 4,037 |
| Net loans and leases to total assets | 89.8311% | 141 |
| Net loans and leases to deposits | 98.0713% | 1,507 |
| Net loans and leases to core deposits | 126.9146% | 1,789 |
| Total domestic deposits to total assets | 91.5977% | 296 |
| Equity capital to assets | 6.9651% | 7,630 |
| Core capital (leverage) ratio | 6.9653% | 7,565 |
| Tier 1 risk-based capital ratio | 10.5985% | 6,298 |
| Total risk-based capital ratio | 11.6512% | 6,417 |
| Memoranda: | ||
| Average total assets | $1,788,604,000 | 416 |
| Average earning assets | $1,640,295,670 | 410 |
| Average equity | $126,568,670 | 547 |
| Average total loans | $1,573,712,670 | 345 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 6,708 |
| Cost of funding earning assets | 2.8885% | 790 |
| Net interest margin | 2.1912% | 7,810 |
| Noninterest income to average assets | -1.8262% | 8,230 |
| Noninterest expense to average assets | 3.3977% | 2,364 |
| Loan and lease loss provision to assets | 1.1510% | 1,134 |
| Net operating income to assets | -4.3522% | 8,005 |
| Return on assets (ROA) | 2.1817% | 276 |
| Pretax return on assets | 2.1817% | 455 |
| Return on Equity (ROE) | 30.5727% | 99 |
| Retained earnings to average equity (ytd only) | 15.1949% | 393 |
| Net charge-offs to loans | 0.0465% | 4,828 |
| Credit loss provision to net charge-offs | 2,855.1136% | 237 |
| Earnings coverage of net charge-offs (x) | -79.4091% | 5,706 |
| Efficiency ratio | 1,728.9044% | 11 |
| Assets per employee ($millions) | 3.7358% | 4,260 |
| Cash dividends to net income (ytd only)* | 50.2992% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 7,230 |
| Loan loss allowance to noncurrent loans | 52.5646% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 1.6327% | 3,463 |
| Noncurrent loans to loans | 1.4829% | 4,076 |
| Net loans and leases to total assets | 86.8549% | 348 |
| Net loans and leases to deposits | 94.8767% | 2,125 |
| Net loans and leases to core deposits | 123.2101% | 2,144 |
| Total domestic deposits to total assets | 91.5451% | 265 |
| Equity capital to assets | 7.1112% | 7,616 |
| Core capital (leverage) ratio | 7.0886% | 7,570 |
| Tier 1 risk-based capital ratio | 11.0218% | 5,896 |
| Total risk-based capital ratio | 12.0952% | 5,951 |
| Memoranda: | ||
| Average total assets | $1,746,353,500 | 424 |
| Average earning assets | $1,612,049,500 | 417 |
| Average equity | $124,621,000 | 550 |
| Average total loans | $1,512,844,000 | 360 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7462% | 6,613 |
| Cost of funding earning assets | 3.6317% | 340 |
| Net interest margin | 2.1145% | 8,011 |
| Noninterest income to average assets | 0.1798% | 7,152 |
| Noninterest expense to average assets | 2.1158% | 7,200 |
| Loan and lease loss provision to assets | 0.3412% | 3,660 |
| Net operating income to assets | -0.2915% | 6,724 |
| Return on assets (ROA) | 0.7052% | 3,705 |
| Pretax return on assets | 0.7052% | 4,385 |
| Return on Equity (ROE) | 9.8872% | 2,297 |
| Retained earnings to average equity (ytd only) | 2.0407% | 3,966 |
| Net charge-offs to loans | 0.2037% | 4,167 |
| Credit loss provision to net charge-offs | 213.6831% | 2,259 |
| Earnings coverage of net charge-offs (x) | 0.3114% | 6,047 |
| Efficiency ratio | 97.7036% | 1,072 |
| Assets per employee ($millions) | 4.2252% | 3,071 |
| Cash dividends to net income (ytd only)* | 79.3605% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5015% | 7,848 |
| Loan loss allowance to noncurrent loans | 37.0810% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 1.5126% | 3,190 |
| Noncurrent loans to loans | 1.3525% | 3,814 |
| Net loans and leases to total assets | 85.2486% | 694 |
| Net loans and leases to deposits | 92.7694% | 3,003 |
| Net loans and leases to core deposits | 120.9542% | 2,606 |
| Total domestic deposits to total assets | 91.8930% | 151 |
| Equity capital to assets | 7.1620% | 7,647 |
| Core capital (leverage) ratio | 7.1383% | 7,582 |
| Tier 1 risk-based capital ratio | 10.5178% | 6,195 |
| Total risk-based capital ratio | 11.1587% | 6,722 |
| Memoranda: | ||
| Average total assets | $1,707,278,800 | 418 |
| Average earning assets | $1,603,249,800 | 402 |
| Average equity | $121,774,200 | 557 |
| Average total loans | $1,338,104,800 | 390 |