Home > American National Bank > Performance and Condition Ratios
American National 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 | 5.0237% | 2,031 |
| Cost of funding earning assets | 1.8887% | 1,089 |
| Net interest margin | 3.1350% | 3,017 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.0444% | 3,524 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 1.4058% | 1,208 |
| Return on assets (ROA) | 1.4150% | 1,161 |
| Pretax return on assets | 1.4452% | 1,542 |
| Return on Equity (ROE) | 16.8800% | 968 |
| Retained earnings to average equity (ytd only) | 6.1316% | 2,193 |
| Net charge-offs to loans | 0.1944% | 553 |
| Credit loss provision to net charge-offs | -42.5532% | 4,456 |
| Earnings coverage of net charge-offs (x) | 9.0265% | 2,316 |
| Efficiency ratio | 59.6738% | 3,118 |
| Assets per employee ($millions) | 9.2950% | 888 |
| Cash dividends to net income (ytd only)* | 63.6749% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 967 |
| Loan loss allowance to noncurrent loans | 409.9660% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 1,792 |
| Noncurrent loans to loans | 0.3747% | 1,870 |
| Net loans and leases to total assets | 75.8300% | 1,141 |
| Net loans and leases to deposits | 87.7872% | 1,454 |
| Net loans and leases to core deposits | 99.6147% | 1,457 |
| Total domestic deposits to total assets | 86.3800% | 1,896 |
| Equity capital to assets | 8.8809% | 2,763 |
| Core capital (leverage) ratio | 9.5289% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6442% | 2,364 |
| Memoranda: | ||
| Average total assets | $4,950,404,200 | 274 |
| Average earning assets | $4,774,454,600 | 262 |
| Average equity | $414,979,400 | 309 |
| Average total loans | $3,867,636,200 | 245 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9727% | 1,890 |
| Cost of funding earning assets | 1.7798% | 1,043 |
| Net interest margin | 3.1929% | 2,935 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.1136% | 3,317 |
| Loan and lease loss provision to assets | -0.0900% | 4,530 |
| Net operating income to assets | 1.4307% | 1,254 |
| Return on assets (ROA) | 1.4429% | 1,212 |
| Pretax return on assets | 1.4709% | 1,629 |
| Return on Equity (ROE) | 17.4700% | 1,013 |
| Retained earnings to average equity (ytd only) | 10.2396% | 1,335 |
| Net charge-offs to loans | 0.1808% | 483 |
| Credit loss provision to net charge-offs | -60.6175% | 4,509 |
| Earnings coverage of net charge-offs (x) | 9.6827% | 2,158 |
| Efficiency ratio | 60.3943% | 2,920 |
| Assets per employee ($millions) | 9.0653% | 907 |
| Cash dividends to net income (ytd only)* | 41.3826% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 929 |
| Loan loss allowance to noncurrent loans | 353.5515% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 1,636 |
| Noncurrent loans to loans | 0.4452% | 1,712 |
| Net loans and leases to total assets | 77.0400% | 990 |
| Net loans and leases to deposits | 90.8236% | 1,162 |
| Net loans and leases to core deposits | 102.3013% | 1,193 |
| Total domestic deposits to total assets | 84.8200% | 2,553 |
| Equity capital to assets | 8.2629% | 2,877 |
| Core capital (leverage) ratio | 9.5368% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5842% | 2,421 |
| Memoranda: | ||
| Average total assets | $4,965,707,000 | 276 |
| Average earning assets | $4,785,354,250 | 265 |
| Average equity | $410,173,250 | 316 |
| Average total loans | $3,893,192,250 | 245 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 1,894 |
| Cost of funding earning assets | 1.6098% | 1,041 |
| Net interest margin | 3.2356% | 2,897 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.1794% | 3,137 |
| Loan and lease loss provision to assets | -0.1300% | 4,585 |
| Net operating income to assets | 1.4786% | 1,148 |
| Return on assets (ROA) | 1.4886% | 1,119 |
| Pretax return on assets | 1.5209% | 1,555 |
| Return on Equity (ROE) | 18.0200% | 954 |
| Retained earnings to average equity (ytd only) | 12.7024% | 854 |
| Net charge-offs to loans | 0.2442% | 337 |
| Credit loss provision to net charge-offs | -66.8896% | 4,534 |
| Earnings coverage of net charge-offs (x) | 7.2178% | 2,094 |
| Efficiency ratio | 60.9568% | 2,851 |
| Assets per employee ($millions) | 9.2182% | 845 |
| Cash dividends to net income (ytd only)* | 29.5239% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 1,063 |
| Loan loss allowance to noncurrent loans | 361.0323% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 1,589 |
| Noncurrent loans to loans | 0.4267% | 1,657 |
| Net loans and leases to total assets | 76.6400% | 986 |
| Net loans and leases to deposits | 97.5124% | 643 |
| Net loans and leases to core deposits | 109.6320% | 841 |
| Total domestic deposits to total assets | 78.5900% | 3,774 |
| Equity capital to assets | 8.3857% | 2,962 |
| Core capital (leverage) ratio | 9.2284% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0453% | 2,613 |
| Memoranda: | ||
| Average total assets | $4,995,229,000 | 268 |
| Average earning assets | $4,809,795,333 | 258 |
| Average equity | $412,566,333 | 300 |
| Average total loans | $3,918,485,000 | 238 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 1,920 |
| Cost of funding earning assets | 1.3658% | 1,103 |
| Net interest margin | 3.3059% | 2,862 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.2287% | 3,014 |
| Loan and lease loss provision to assets | -0.2600% | 4,638 |
| Net operating income to assets | 1.5071% | 1,173 |
| Return on assets (ROA) | 1.5273% | 1,104 |
| Pretax return on assets | 1.5581% | 1,560 |
| Return on Equity (ROE) | 18.6400% | 939 |
| Retained earnings to average equity (ytd only) | 16.5515% | 634 |
| Net charge-offs to loans | 0.0457% | 899 |
| Credit loss provision to net charge-offs | -715.8837% | 4,643 |
| Earnings coverage of net charge-offs (x) | 35.5526% | 1,234 |
| Efficiency ratio | 63.2887% | 2,537 |
| Assets per employee ($millions) | 9.1485% | 889 |
| Cash dividends to net income (ytd only)* | 11.1937% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 851 |
| Loan loss allowance to noncurrent loans | 307.5660% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 1,192 |
| Noncurrent loans to loans | 0.5475% | 1,351 |
| Net loans and leases to total assets | 77.6300% | 807 |
| Net loans and leases to deposits | 97.8090% | 550 |
| Net loans and leases to core deposits | 106.8457% | 801 |
| Total domestic deposits to total assets | 79.3700% | 3,850 |
| Equity capital to assets | 8.4015% | 2,967 |
| Core capital (leverage) ratio | 9.1739% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7614% | 2,797 |
| Memoranda: | ||
| Average total assets | $4,967,043,500 | 280 |
| Average earning assets | $4,792,467,000 | 267 |
| Average equity | $407,044,500 | 311 |
| Average total loans | $3,911,704,000 | 245 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 1,447 |
| Cost of funding earning assets | 0.4070% | 2,037 |
| Net interest margin | 3.7066% | 1,361 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.0738% | 3,374 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.8072% | 437 |
| Return on assets (ROA) | 1.6557% | 570 |
| Pretax return on assets | 1.6958% | 927 |
| Return on Equity (ROE) | 19.7300% | 503 |
| Retained earnings to average equity (ytd only) | 7.2672% | 2,115 |
| Net charge-offs to loans | 0.0385% | 1,323 |
| Credit loss provision to net charge-offs | 103.3770% | 1,533 |
| Earnings coverage of net charge-offs (x) | 62.4921% | 1,226 |
| Efficiency ratio | 52.0929% | 3,970 |
| Assets per employee ($millions) | 9.0288% | 909 |
| Cash dividends to net income (ytd only)* | 63.1609% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8195% | 634 |
| Loan loss allowance to noncurrent loans | 693.6470% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 2,119 |
| Noncurrent loans to loans | 0.2623% | 2,220 |
| Net loans and leases to total assets | 77.1100% | 886 |
| Net loans and leases to deposits | 97.2622% | 574 |
| Net loans and leases to core deposits | 103.7294% | 831 |
| Total domestic deposits to total assets | 79.2800% | 3,968 |
| Equity capital to assets | 7.9844% | 3,067 |
| Core capital (leverage) ratio | 8.9191% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5566% | 2,849 |
| Memoranda: | ||
| Average total assets | $4,819,313,200 | 280 |
| Average earning assets | $4,661,903,600 | 266 |
| Average equity | $404,488,400 | 303 |
| Average total loans | $3,768,787,400 | 236 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9588% | 1,348 |
| Cost of funding earning assets | 0.2547% | 2,656 |
| Net interest margin | 3.7041% | 1,126 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.0311% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9019% | 345 |
| Return on assets (ROA) | 1.8385% | 386 |
| Pretax return on assets | 1.8711% | 630 |
| Return on Equity (ROE) | 21.6300% | 313 |
| Retained earnings to average equity (ytd only) | 8.4386% | 1,841 |
| Net charge-offs to loans | 0.0054% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 460.9669% | 340 |
| Efficiency ratio | 50.8210% | 4,111 |
| Assets per employee ($millions) | 9.0414% | 883 |
| Cash dividends to net income (ytd only)* | 60.9942% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 735 |
| Loan loss allowance to noncurrent loans | 1,876.7398% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 3,134 |
| Noncurrent loans to loans | 0.0957% | 3,194 |
| Net loans and leases to total assets | 78.4000% | 674 |
| Net loans and leases to deposits | 92.3895% | 747 |
| Net loans and leases to core deposits | 99.2360% | 846 |
| Total domestic deposits to total assets | 84.8600% | 3,317 |
| Equity capital to assets | 7.6266% | 3,138 |
| Core capital (leverage) ratio | 8.8923% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3693% | 2,973 |
| Memoranda: | ||
| Average total assets | $4,793,967,000 | 282 |
| Average earning assets | $4,640,878,750 | 270 |
| Average equity | $407,388,000 | 301 |
| Average total loans | $3,744,832,500 | 237 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 1,282 |
| Cost of funding earning assets | 0.1642% | 3,385 |
| Net interest margin | 3.6507% | 994 |
| Noninterest income to average assets | 0.3814% | 2,860 |
| Noninterest expense to average assets | 1.9756% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9062% | 271 |
| Return on assets (ROA) | 1.8480% | 301 |
| Pretax return on assets | 1.8823% | 484 |
| Return on Equity (ROE) | 21.0088% | 245 |
| Retained earnings to average equity (ytd only) | 6.4603% | 2,186 |
| Net charge-offs to loans | -0.0133% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0472% | 4,244 |
| Assets per employee ($millions) | 8.7659% | 966 |
| Cash dividends to net income (ytd only)* | 69.2495% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 749 |
| Loan loss allowance to noncurrent loans | 1,510.2163% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 3,034 |
| Noncurrent loans to loans | 0.1221% | 3,115 |
| Net loans and leases to total assets | 77.8352% | 566 |
| Net loans and leases to deposits | 92.2271% | 597 |
| Net loans and leases to core deposits | 99.6588% | 683 |
| Total domestic deposits to total assets | 84.3952% | 3,606 |
| Equity capital to assets | 8.0444% | 3,088 |
| Core capital (leverage) ratio | 8.7913% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2381% | 2,982 |
| Memoranda: | ||
| Average total assets | $4,761,497,000 | 277 |
| Average earning assets | $4,611,843,667 | 272 |
| Average equity | $418,834,667 | 295 |
| Average total loans | $3,691,446,000 | 235 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5932% | 1,521 |
| Cost of funding earning assets | 0.1325% | 3,734 |
| Net interest margin | 3.4607% | 1,155 |
| Noninterest income to average assets | 0.3917% | 2,749 |
| Noninterest expense to average assets | 1.8011% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9120% | 261 |
| Return on assets (ROA) | 1.9120% | 260 |
| Pretax return on assets | 1.9466% | 406 |
| Return on Equity (ROE) | 20.8293% | 206 |
| Retained earnings to average equity (ytd only) | 10.5155% | 902 |
| Net charge-offs to loans | 0.0114% | 1,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 223.5631% | 401 |
| Efficiency ratio | 47.6518% | 4,419 |
| Assets per employee ($millions) | 8.8296% | 979 |
| Cash dividends to net income (ytd only)* | 49.5159% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9136% | 721 |
| Loan loss allowance to noncurrent loans | 740.4285% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,435 |
| Noncurrent loans to loans | 0.2584% | 2,552 |
| Net loans and leases to total assets | 75.7065% | 526 |
| Net loans and leases to deposits | 84.5579% | 851 |
| Net loans and leases to core deposits | 88.9063% | 973 |
| Total domestic deposits to total assets | 89.5322% | 1,797 |
| Equity capital to assets | 8.7530% | 2,930 |
| Core capital (leverage) ratio | 9.1080% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5549% | 2,970 |
| Memoranda: | ||
| Average total assets | $4,731,632,500 | 282 |
| Average earning assets | $4,588,499,000 | 273 |
| Average equity | $434,331,500 | 295 |
| Average total loans | $3,625,607,000 | 240 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 1,577 |
| Cost of funding earning assets | 0.1973% | 3,494 |
| Net interest margin | 3.7135% | 1,184 |
| Noninterest income to average assets | 0.5041% | 2,547 |
| Noninterest expense to average assets | 2.2122% | 3,042 |
| Loan and lease loss provision to assets | 0.2069% | 505 |
| Net operating income to assets | 1.6253% | 750 |
| Return on assets (ROA) | 1.5779% | 895 |
| Pretax return on assets | 1.6165% | 1,381 |
| Return on Equity (ROE) | 16.1567% | 725 |
| Retained earnings to average equity (ytd only) | 4.0483% | 3,203 |
| Net charge-offs to loans | -0.0210% | 3,999 |
| Credit loss provision to net charge-offs | -1,299.5896% | 3,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7075% | 3,962 |
| Assets per employee ($millions) | 8.9260% | 943 |
| Cash dividends to net income (ytd only)* | 74.9438% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9601% | 649 |
| Loan loss allowance to noncurrent loans | 626.8713% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 2,369 |
| Noncurrent loans to loans | 0.3127% | 2,468 |
| Net loans and leases to total assets | 74.5709% | 618 |
| Net loans and leases to deposits | 83.7536% | 918 |
| Net loans and leases to core deposits | 89.8727% | 977 |
| Total domestic deposits to total assets | 89.0360% | 1,496 |
| Equity capital to assets | 9.6090% | 3,037 |
| Core capital (leverage) ratio | 8.8563% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5208% | 2,981 |
| Memoranda: | ||
| Average total assets | $4,592,362,400 | 279 |
| Average earning assets | $4,427,210,800 | 272 |
| Average equity | $448,488,600 | 294 |
| Average total loans | $3,488,239,800 | 241 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 1,588 |
| Cost of funding earning assets | 0.2117% | 3,499 |
| Net interest margin | 3.7685% | 1,187 |
| Noninterest income to average assets | 0.5161% | 2,555 |
| Noninterest expense to average assets | 2.2134% | 3,026 |
| Loan and lease loss provision to assets | 0.1242% | 941 |
| Net operating income to assets | 1.7748% | 700 |
| Return on assets (ROA) | 1.7312% | 806 |
| Pretax return on assets | 1.7618% | 1,252 |
| Return on Equity (ROE) | 17.6541% | 671 |
| Retained earnings to average equity (ytd only) | 5.0072% | 3,215 |
| Net charge-offs to loans | -0.0526% | 4,383 |
| Credit loss provision to net charge-offs | -311.1274% | 3,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9363% | 3,927 |
| Assets per employee ($millions) | 8.5397% | 1,038 |
| Cash dividends to net income (ytd only)* | 71.6369% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 802 |
| Loan loss allowance to noncurrent loans | 611.5603% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 2,500 |
| Noncurrent loans to loans | 0.3066% | 2,697 |
| Net loans and leases to total assets | 74.6404% | 641 |
| Net loans and leases to deposits | 84.9699% | 890 |
| Net loans and leases to core deposits | 91.5792% | 944 |
| Total domestic deposits to total assets | 87.8433% | 1,940 |
| Equity capital to assets | 9.8847% | 3,013 |
| Core capital (leverage) ratio | 9.0832% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7831% | 3,005 |
| Memoranda: | ||
| Average total assets | $4,562,224,000 | 283 |
| Average earning assets | $4,391,872,750 | 274 |
| Average equity | $447,394,500 | 292 |
| Average total loans | $3,464,117,500 | 245 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 1,364 |
| Cost of funding earning assets | 0.2297% | 3,465 |
| Net interest margin | 3.8601% | 1,041 |
| Noninterest income to average assets | 0.5234% | 2,515 |
| Noninterest expense to average assets | 2.2038% | 3,081 |
| Loan and lease loss provision to assets | 0.0879% | 1,409 |
| Net operating income to assets | 1.9129% | 573 |
| Return on assets (ROA) | 1.8860% | 635 |
| Pretax return on assets | 1.9145% | 987 |
| Return on Equity (ROE) | 19.2836% | 515 |
| Retained earnings to average equity (ytd only) | 4.6086% | 3,325 |
| Net charge-offs to loans | -0.0805% | 4,549 |
| Credit loss provision to net charge-offs | -143.9885% | 3,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5880% | 4,087 |
| Assets per employee ($millions) | 8.5364% | 994 |
| Cash dividends to net income (ytd only)* | 76.1010% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8728% | 775 |
| Loan loss allowance to noncurrent loans | 511.4839% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 2,399 |
| Noncurrent loans to loans | 0.3662% | 2,593 |
| Net loans and leases to total assets | 74.2925% | 723 |
| Net loans and leases to deposits | 85.0504% | 982 |
| Net loans and leases to core deposits | 91.7426% | 1,022 |
| Total domestic deposits to total assets | 87.3511% | 2,149 |
| Equity capital to assets | 10.0719% | 2,791 |
| Core capital (leverage) ratio | 8.9182% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2918% | 2,903 |
| Memoranda: | ||
| Average total assets | $4,548,664,667 | 283 |
| Average earning assets | $4,371,784,000 | 273 |
| Average equity | $444,865,333 | 292 |
| Average total loans | $3,451,732,000 | 245 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 1,131 |
| Cost of funding earning assets | 0.2515% | 3,463 |
| Net interest margin | 3.9899% | 855 |
| Noninterest income to average assets | 0.5357% | 2,453 |
| Noninterest expense to average assets | 2.2777% | 2,856 |
| Loan and lease loss provision to assets | 0.1526% | 849 |
| Net operating income to assets | 1.9090% | 658 |
| Return on assets (ROA) | 1.9169% | 694 |
| Pretax return on assets | 1.9394% | 1,048 |
| Return on Equity (ROE) | 19.8897% | 537 |
| Retained earnings to average equity (ytd only) | 8.1269% | 2,198 |
| Net charge-offs to loans | -0.1085% | 4,663 |
| Credit loss provision to net charge-offs | -185.1852% | 2,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7705% | 4,016 |
| Assets per employee ($millions) | 8.8784% | 870 |
| Cash dividends to net income (ytd only)* | 59.1401% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7910% | 888 |
| Loan loss allowance to noncurrent loans | 433.5476% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 2,443 |
| Noncurrent loans to loans | 0.4131% | 2,618 |
| Net loans and leases to total assets | 74.6492% | 757 |
| Net loans and leases to deposits | 85.2527% | 1,020 |
| Net loans and leases to core deposits | 92.8073% | 1,054 |
| Total domestic deposits to total assets | 87.5623% | 2,063 |
| Equity capital to assets | 9.5898% | 3,120 |
| Core capital (leverage) ratio | 8.7865% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2882% | 2,870 |
| Memoranda: | ||
| Average total assets | $4,586,467,500 | 280 |
| Average earning assets | $4,398,195,000 | 270 |
| Average equity | $442,038,000 | 292 |
| Average total loans | $3,484,312,000 | 245 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 1,735 |
| Cost of funding earning assets | 0.5191% | 2,818 |
| Net interest margin | 3.8266% | 1,430 |
| Noninterest income to average assets | 0.6725% | 1,942 |
| Noninterest expense to average assets | 2.2330% | 3,581 |
| Loan and lease loss provision to assets | 0.5634% | 384 |
| Net operating income to assets | 1.4883% | 837 |
| Return on assets (ROA) | 1.5137% | 850 |
| Pretax return on assets | 1.5532% | 1,189 |
| Return on Equity (ROE) | 15.6545% | 543 |
| Retained earnings to average equity (ytd only) | 4.6653% | 2,440 |
| Net charge-offs to loans | 0.1421% | 1,135 |
| Credit loss provision to net charge-offs | 522.8480% | 1,217 |
| Earnings coverage of net charge-offs (x) | 19.3994% | 1,981 |
| Efficiency ratio | 51.1387% | 4,458 |
| Assets per employee ($millions) | 8.7959% | 796 |
| Cash dividends to net income (ytd only)* | 70.1981% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 977 |
| Loan loss allowance to noncurrent loans | 340.3731% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 2,350 |
| Noncurrent loans to loans | 0.5089% | 2,444 |
| Net loans and leases to total assets | 74.6128% | 950 |
| Net loans and leases to deposits | 85.4687% | 1,297 |
| Net loans and leases to core deposits | 98.9705% | 956 |
| Total domestic deposits to total assets | 87.2983% | 1,797 |
| Equity capital to assets | 9.6864% | 3,425 |
| Core capital (leverage) ratio | 8.5203% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2302% | 2,859 |
| Memoranda: | ||
| Average total assets | $4,366,374,800 | 269 |
| Average earning assets | $4,165,807,000 | 259 |
| Average equity | $422,197,800 | 287 |
| Average total loans | $3,310,199,600 | 246 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 1,592 |
| Cost of funding earning assets | 0.5812% | 2,731 |
| Net interest margin | 3.9098% | 1,330 |
| Noninterest income to average assets | 0.6740% | 1,887 |
| Noninterest expense to average assets | 2.1530% | 3,809 |
| Loan and lease loss provision to assets | 0.5745% | 457 |
| Net operating income to assets | 1.6396% | 661 |
| Return on assets (ROA) | 1.6743% | 679 |
| Pretax return on assets | 1.7082% | 956 |
| Return on Equity (ROE) | 17.3233% | 416 |
| Retained earnings to average equity (ytd only) | 6.2347% | 2,003 |
| Net charge-offs to loans | 0.1207% | 1,161 |
| Credit loss provision to net charge-offs | 628.1662% | 1,141 |
| Earnings coverage of net charge-offs (x) | 24.5735% | 1,755 |
| Efficiency ratio | 48.4211% | 4,584 |
| Assets per employee ($millions) | 9.0380% | 688 |
| Cash dividends to net income (ytd only)* | 64.0095% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 1,118 |
| Loan loss allowance to noncurrent loans | 319.8154% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 2,570 |
| Noncurrent loans to loans | 0.4984% | 2,565 |
| Net loans and leases to total assets | 74.2775% | 1,341 |
| Net loans and leases to deposits | 86.2433% | 1,669 |
| Net loans and leases to core deposits | 100.9591% | 1,095 |
| Total domestic deposits to total assets | 86.1255% | 2,015 |
| Equity capital to assets | 9.4230% | 3,747 |
| Core capital (leverage) ratio | 8.7700% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4969% | 2,793 |
| Memoranda: | ||
| Average total assets | $4,316,704,750 | 267 |
| Average earning assets | $4,114,246,500 | 256 |
| Average equity | $417,199,750 | 287 |
| Average total loans | $3,271,212,250 | 248 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 1,265 |
| Cost of funding earning assets | 0.6795% | 2,503 |
| Net interest margin | 4.0764% | 1,168 |
| Noninterest income to average assets | 0.5879% | 2,177 |
| Noninterest expense to average assets | 2.1150% | 3,996 |
| Loan and lease loss provision to assets | 0.5511% | 607 |
| Net operating income to assets | 1.7668% | 541 |
| Return on assets (ROA) | 1.7848% | 566 |
| Pretax return on assets | 1.8191% | 783 |
| Return on Equity (ROE) | 18.2990% | 343 |
| Retained earnings to average equity (ytd only) | 7.3413% | 1,523 |
| Net charge-offs to loans | 0.0969% | 1,302 |
| Credit loss provision to net charge-offs | 749.3540% | 959 |
| Earnings coverage of net charge-offs (x) | 31.9806% | 1,384 |
| Efficiency ratio | 46.8371% | 4,683 |
| Assets per employee ($millions) | 8.6990% | 756 |
| Cash dividends to net income (ytd only)* | 59.8813% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,381 |
| Loan loss allowance to noncurrent loans | 463.2823% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 3,233 |
| Noncurrent loans to loans | 0.3150% | 3,257 |
| Net loans and leases to total assets | 76.0910% | 1,128 |
| Net loans and leases to deposits | 89.1144% | 1,436 |
| Net loans and leases to core deposits | 101.3658% | 1,159 |
| Total domestic deposits to total assets | 85.3857% | 2,244 |
| Equity capital to assets | 9.6090% | 3,556 |
| Core capital (leverage) ratio | 8.9989% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5757% | 2,782 |
| Memoranda: | ||
| Average total assets | $4,210,106,333 | 268 |
| Average earning assets | $4,006,176,000 | 260 |
| Average equity | $410,633,667 | 289 |
| Average total loans | $3,195,065,000 | 251 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 2,608 |
| Cost of funding earning assets | 0.8727% | 2,000 |
| Net interest margin | 3.5292% | 2,885 |
| Noninterest income to average assets | 0.4857% | 2,627 |
| Noninterest expense to average assets | 2.1596% | 4,104 |
| Loan and lease loss provision to assets | 0.1321% | 2,076 |
| Net operating income to assets | 1.5158% | 753 |
| Return on assets (ROA) | 1.5158% | 822 |
| Pretax return on assets | 1.5491% | 1,185 |
| Return on Equity (ROE) | 15.4163% | 500 |
| Retained earnings to average equity (ytd only) | 2.9784% | 3,093 |
| Net charge-offs to loans | 0.1583% | 818 |
| Credit loss provision to net charge-offs | 111.0197% | 1,752 |
| Earnings coverage of net charge-offs (x) | 14.1308% | 1,613 |
| Efficiency ratio | 55.6133% | 4,246 |
| Assets per employee ($millions) | 8.0570% | 722 |
| Cash dividends to net income (ytd only)* | 80.6804% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,095 |
| Loan loss allowance to noncurrent loans | 339.8937% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 3,193 |
| Noncurrent loans to loans | 0.3854% | 3,110 |
| Net loans and leases to total assets | 73.4144% | 1,707 |
| Net loans and leases to deposits | 95.5089% | 961 |
| Net loans and leases to core deposits | 106.3168% | 1,040 |
| Total domestic deposits to total assets | 76.8666% | 4,371 |
| Equity capital to assets | 9.7308% | 4,011 |
| Core capital (leverage) ratio | 9.4941% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2293% | 3,032 |
| Memoranda: | ||
| Average total assets | $4,088,211,000 | 270 |
| Average earning assets | $3,886,572,500 | 263 |
| Average equity | $401,963,000 | 294 |
| Average total loans | $3,072,995,000 | 254 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 2,472 |
| Cost of funding earning assets | 0.9971% | 1,734 |
| Net interest margin | 3.6516% | 2,962 |
| Noninterest income to average assets | 0.5008% | 2,737 |
| Noninterest expense to average assets | 2.2456% | 4,072 |
| Loan and lease loss provision to assets | 0.1166% | 1,813 |
| Net operating income to assets | 1.5654% | 906 |
| Return on assets (ROA) | 1.5556% | 988 |
| Pretax return on assets | 1.5880% | 1,521 |
| Return on Equity (ROE) | 15.5979% | 590 |
| Retained earnings to average equity (ytd only) | 6.4371% | 1,645 |
| Net charge-offs to loans | 0.0737% | 2,037 |
| Credit loss provision to net charge-offs | 203.8967% | 1,302 |
| Earnings coverage of net charge-offs (x) | 29.9728% | 1,587 |
| Efficiency ratio | 56.0245% | 4,197 |
| Assets per employee ($millions) | 7.7904% | 770 |
| Cash dividends to net income (ytd only)* | 58.7313% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 1,890 |
| Loan loss allowance to noncurrent loans | 352.6621% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 3,193 |
| Noncurrent loans to loans | 0.3706% | 3,116 |
| Net loans and leases to total assets | 74.9702% | 1,592 |
| Net loans and leases to deposits | 95.4164% | 1,001 |
| Net loans and leases to core deposits | 106.3747% | 1,088 |
| Total domestic deposits to total assets | 78.5716% | 4,261 |
| Equity capital to assets | 9.9359% | 3,977 |
| Core capital (leverage) ratio | 9.4999% | 4,063 |
| Tier 1 risk-based capital ratio | 10.8759% | 4,902 |
| Total risk-based capital ratio | 12.0714% | 4,826 |
| Memoranda: | ||
| Average total assets | $3,857,919,800 | 273 |
| Average earning assets | $3,655,018,000 | 263 |
| Average equity | $384,756,400 | 297 |
| Average total loans | $2,995,736,600 | 255 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 2,525 |
| Cost of funding earning assets | 1.0102% | 1,718 |
| Net interest margin | 3.6500% | 3,092 |
| Noninterest income to average assets | 0.5037% | 2,708 |
| Noninterest expense to average assets | 2.2331% | 4,113 |
| Loan and lease loss provision to assets | 0.1049% | 1,836 |
| Net operating income to assets | 1.5891% | 959 |
| Return on assets (ROA) | 1.5863% | 1,012 |
| Pretax return on assets | 1.6185% | 1,574 |
| Return on Equity (ROE) | 15.8901% | 624 |
| Retained earnings to average equity (ytd only) | 6.5527% | 2,085 |
| Net charge-offs to loans | 0.0776% | 1,714 |
| Credit loss provision to net charge-offs | 173.2102% | 1,475 |
| Earnings coverage of net charge-offs (x) | 28.4936% | 1,683 |
| Efficiency ratio | 55.7125% | 4,188 |
| Assets per employee ($millions) | 7.6775% | 781 |
| Cash dividends to net income (ytd only)* | 58.7620% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,033 |
| Loan loss allowance to noncurrent loans | 422.1347% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 3,503 |
| Noncurrent loans to loans | 0.3044% | 3,444 |
| Net loans and leases to total assets | 75.8489% | 1,510 |
| Net loans and leases to deposits | 94.4868% | 1,178 |
| Net loans and leases to core deposits | 106.7514% | 1,126 |
| Total domestic deposits to total assets | 80.2746% | 3,932 |
| Equity capital to assets | 10.0048% | 4,013 |
| Core capital (leverage) ratio | 9.4808% | 4,184 |
| Tier 1 risk-based capital ratio | 10.8354% | 4,975 |
| Total risk-based capital ratio | 12.0145% | 4,905 |
| Memoranda: | ||
| Average total assets | $3,811,599,000 | 278 |
| Average earning assets | $3,608,682,250 | 267 |
| Average equity | $380,513,250 | 303 |
| Average total loans | $2,976,836,250 | 256 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 2,569 |
| Cost of funding earning assets | 0.9777% | 1,803 |
| Net interest margin | 3.6554% | 3,089 |
| Noninterest income to average assets | 0.4776% | 2,800 |
| Noninterest expense to average assets | 2.2548% | 4,111 |
| Loan and lease loss provision to assets | 0.0957% | 1,938 |
| Net operating income to assets | 1.5620% | 982 |
| Return on assets (ROA) | 1.5636% | 1,023 |
| Pretax return on assets | 1.5928% | 1,567 |
| Return on Equity (ROE) | 15.6749% | 648 |
| Retained earnings to average equity (ytd only) | 5.9488% | 2,302 |
| Net charge-offs to loans | 0.0916% | 1,445 |
| Credit loss provision to net charge-offs | 133.0377% | 1,635 |
| Earnings coverage of net charge-offs (x) | 23.4486% | 1,653 |
| Efficiency ratio | 56.5044% | 4,189 |
| Assets per employee ($millions) | 7.2460% | 906 |
| Cash dividends to net income (ytd only)* | 62.0490% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,128 |
| Loan loss allowance to noncurrent loans | 390.3568% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 3,393 |
| Noncurrent loans to loans | 0.3260% | 3,364 |
| Net loans and leases to total assets | 77.4952% | 1,316 |
| Net loans and leases to deposits | 101.5587% | 572 |
| Net loans and leases to core deposits | 112.9188% | 825 |
| Total domestic deposits to total assets | 76.3058% | 4,636 |
| Equity capital to assets | 10.0908% | 3,898 |
| Core capital (leverage) ratio | 9.4832% | 4,160 |
| Tier 1 risk-based capital ratio | 10.7201% | 5,032 |
| Total risk-based capital ratio | 11.8876% | 4,972 |
| Memoranda: | ||
| Average total assets | $3,761,609,000 | 281 |
| Average earning assets | $3,564,732,000 | 270 |
| Average equity | $375,235,670 | 306 |
| Average total loans | $2,954,474,670 | 261 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 2,669 |
| Cost of funding earning assets | 0.9511% | 1,786 |
| Net interest margin | 3.6079% | 3,226 |
| Noninterest income to average assets | 0.3993% | 3,186 |
| Noninterest expense to average assets | 2.2704% | 4,099 |
| Loan and lease loss provision to assets | 0.1288% | 1,355 |
| Net operating income to assets | 1.3967% | 1,388 |
| Return on assets (ROA) | 1.3963% | 1,420 |
| Pretax return on assets | 1.4152% | 2,033 |
| Return on Equity (ROE) | 14.0813% | 951 |
| Retained earnings to average equity (ytd only) | 3.8511% | 3,379 |
| Net charge-offs to loans | 0.0583% | 1,460 |
| Credit loss provision to net charge-offs | 281.0304% | 863 |
| Earnings coverage of net charge-offs (x) | 33.6909% | 1,258 |
| Efficiency ratio | 58.7860% | 3,981 |
| Assets per employee ($millions) | 6.9828% | 1,007 |
| Cash dividends to net income (ytd only)* | 72.6511% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,002 |
| Loan loss allowance to noncurrent loans | 332.1008% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 3,315 |
| Noncurrent loans to loans | 0.3971% | 3,168 |
| Net loans and leases to total assets | 77.3580% | 1,259 |
| Net loans and leases to deposits | 93.8895% | 1,192 |
| Net loans and leases to core deposits | 105.0575% | 1,239 |
| Total domestic deposits to total assets | 82.3926% | 3,617 |
| Equity capital to assets | 10.0356% | 3,796 |
| Core capital (leverage) ratio | 9.3920% | 4,265 |
| Tier 1 risk-based capital ratio | 10.8113% | 5,062 |
| Total risk-based capital ratio | 12.0255% | 4,979 |
| Memoranda: | ||
| Average total assets | $3,725,834,000 | 284 |
| Average earning assets | $3,527,237,000 | 275 |
| Average equity | $369,455,500 | 311 |
| Average total loans | $2,927,308,000 | 262 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 2,530 |
| Cost of funding earning assets | 0.7815% | 1,632 |
| Net interest margin | 3.6945% | 3,049 |
| Noninterest income to average assets | 0.4946% | 2,860 |
| Noninterest expense to average assets | 2.2429% | 4,234 |
| Loan and lease loss provision to assets | 0.2582% | 659 |
| Net operating income to assets | 1.4610% | 1,236 |
| Return on assets (ROA) | 1.4598% | 1,232 |
| Pretax return on assets | 1.4983% | 1,790 |
| Return on Equity (ROE) | 15.3993% | 743 |
| Retained earnings to average equity (ytd only) | 8.6982% | 979 |
| Net charge-offs to loans | 0.0556% | 2,345 |
| Credit loss provision to net charge-offs | 585.6967% | 602 |
| Earnings coverage of net charge-offs (x) | 39.8767% | 1,309 |
| Efficiency ratio | 55.2975% | 4,485 |
| Assets per employee ($millions) | 6.8940% | 1,020 |
| Cash dividends to net income (ytd only)* | 43.5157% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,071 |
| Loan loss allowance to noncurrent loans | 445.8358% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 3,648 |
| Noncurrent loans to loans | 0.2901% | 3,526 |
| Net loans and leases to total assets | 77.7264% | 1,319 |
| Net loans and leases to deposits | 97.6243% | 929 |
| Net loans and leases to core deposits | 108.8516% | 1,061 |
| Total domestic deposits to total assets | 79.6179% | 4,189 |
| Equity capital to assets | 9.7959% | 3,864 |
| Core capital (leverage) ratio | 9.2705% | 4,381 |
| Tier 1 risk-based capital ratio | 10.6001% | 5,144 |
| Total risk-based capital ratio | 11.7816% | 5,067 |
| Memoranda: | ||
| Average total assets | $3,679,660,000 | 280 |
| Average earning assets | $3,492,064,600 | 272 |
| Average equity | $348,807,000 | 315 |
| Average total loans | $2,916,414,200 | 258 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 2,515 |
| Cost of funding earning assets | 0.7444% | 1,607 |
| Net interest margin | 3.6908% | 3,055 |
| Noninterest income to average assets | 0.4804% | 2,978 |
| Noninterest expense to average assets | 2.2205% | 4,275 |
| Loan and lease loss provision to assets | 0.2906% | 514 |
| Net operating income to assets | 1.4378% | 1,367 |
| Return on assets (ROA) | 1.4394% | 1,363 |
| Pretax return on assets | 1.4771% | 1,979 |
| Return on Equity (ROE) | 15.3136% | 820 |
| Retained earnings to average equity (ytd only) | 8.7343% | 1,327 |
| Net charge-offs to loans | 0.0529% | 2,068 |
| Credit loss provision to net charge-offs | 692.0415% | 535 |
| Earnings coverage of net charge-offs (x) | 42.0581% | 1,313 |
| Efficiency ratio | 54.9294% | 4,516 |
| Assets per employee ($millions) | 6.8802% | 986 |
| Cash dividends to net income (ytd only)* | 42.9642% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,334 |
| Loan loss allowance to noncurrent loans | 462.2426% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 3,866 |
| Noncurrent loans to loans | 0.2718% | 3,710 |
| Net loans and leases to total assets | 78.1564% | 1,323 |
| Net loans and leases to deposits | 97.4529% | 1,001 |
| Net loans and leases to core deposits | 108.5166% | 1,130 |
| Total domestic deposits to total assets | 80.1992% | 4,067 |
| Equity capital to assets | 9.5119% | 4,070 |
| Core capital (leverage) ratio | 9.0632% | 4,648 |
| Tier 1 risk-based capital ratio | 10.2336% | 5,319 |
| Total risk-based capital ratio | 11.3746% | 5,290 |
| Memoranda: | ||
| Average total assets | $3,670,608,000 | 279 |
| Average earning assets | $3,486,895,250 | 271 |
| Average equity | $345,008,250 | 316 |
| Average total loans | $2,914,003,500 | 255 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 2,559 |
| Cost of funding earning assets | 0.6897% | 1,683 |
| Net interest margin | 3.6665% | 3,060 |
| Noninterest income to average assets | 0.4875% | 2,934 |
| Noninterest expense to average assets | 2.2394% | 4,280 |
| Loan and lease loss provision to assets | 0.3552% | 362 |
| Net operating income to assets | 1.3392% | 1,640 |
| Return on assets (ROA) | 1.3428% | 1,634 |
| Pretax return on assets | 1.3810% | 2,217 |
| Return on Equity (ROE) | 14.3448% | 998 |
| Retained earnings to average equity (ytd only) | 8.6649% | 1,333 |
| Net charge-offs to loans | 0.0430% | 2,006 |
| Credit loss provision to net charge-offs | 1,040.0000% | 393 |
| Earnings coverage of net charge-offs (x) | 50.7296% | 1,118 |
| Efficiency ratio | 55.6060% | 4,526 |
| Assets per employee ($millions) | 7.0272% | 912 |
| Cash dividends to net income (ytd only)* | 39.5955% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,665 |
| Loan loss allowance to noncurrent loans | 504.6318% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 4,032 |
| Noncurrent loans to loans | 0.2394% | 3,847 |
| Net loans and leases to total assets | 78.6976% | 1,205 |
| Net loans and leases to deposits | 105.2681% | 468 |
| Net loans and leases to core deposits | 115.8200% | 718 |
| Total domestic deposits to total assets | 74.7593% | 4,971 |
| Equity capital to assets | 9.3218% | 4,264 |
| Core capital (leverage) ratio | 8.9374% | 4,740 |
| Tier 1 risk-based capital ratio | 10.0118% | 5,429 |
| Total risk-based capital ratio | 11.1259% | 5,402 |
| Memoranda: | ||
| Average total assets | $3,660,289,000 | 277 |
| Average earning assets | $3,478,398,330 | 268 |
| Average equity | $342,647,670 | 313 |
| Average total loans | $2,908,730,000 | 255 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 2,989 |
| Cost of funding earning assets | 0.5713% | 2,248 |
| Net interest margin | 3.5984% | 3,188 |
| Noninterest income to average assets | 0.4563% | 3,069 |
| Noninterest expense to average assets | 2.3156% | 4,156 |
| Loan and lease loss provision to assets | 0.2646% | 533 |
| Net operating income to assets | 1.2589% | 1,778 |
| Return on assets (ROA) | 1.2607% | 1,782 |
| Pretax return on assets | 1.2978% | 2,374 |
| Return on Equity (ROE) | 13.4379% | 1,148 |
| Retained earnings to average equity (ytd only) | 13.4379% | 460 |
| Net charge-offs to loans | 0.0485% | 1,622 |
| Credit loss provision to net charge-offs | 687.6791% | 480 |
| Earnings coverage of net charge-offs (x) | 40.5587% | 1,058 |
| Efficiency ratio | 58.9380% | 4,226 |
| Assets per employee ($millions) | 6.8822% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,412 |
| Loan loss allowance to noncurrent loans | 486.8481% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 4,182 |
| Noncurrent loans to loans | 0.2250% | 3,974 |
| Net loans and leases to total assets | 78.3674% | 1,180 |
| Net loans and leases to deposits | 99.9207% | 713 |
| Net loans and leases to core deposits | 111.5572% | 910 |
| Total domestic deposits to total assets | 78.4296% | 4,661 |
| Equity capital to assets | 9.3136% | 4,256 |
| Core capital (leverage) ratio | 9.1499% | 4,505 |
| Tier 1 risk-based capital ratio | 10.1110% | 5,468 |
| Total risk-based capital ratio | 11.1296% | 5,475 |
| Memoranda: | ||
| Average total assets | $3,628,221,500 | 278 |
| Average earning assets | $3,448,197,500 | 270 |
| Average equity | $340,379,500 | 317 |
| Average total loans | $2,879,656,000 | 255 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,028 |
| Cost of funding earning assets | 0.3758% | 3,461 |
| Net interest margin | 3.7326% | 2,667 |
| Noninterest income to average assets | 0.6140% | 2,385 |
| Noninterest expense to average assets | 2.4779% | 3,858 |
| Loan and lease loss provision to assets | 0.2326% | 831 |
| Net operating income to assets | 1.3937% | 1,035 |
| Return on assets (ROA) | 1.3999% | 1,037 |
| Pretax return on assets | 1.4400% | 1,852 |
| Return on Equity (ROE) | 14.6932% | 658 |
| Retained earnings to average equity (ytd only) | 6.1958% | 1,442 |
| Net charge-offs to loans | 0.1256% | 1,794 |
| Credit loss provision to net charge-offs | 234.3796% | 1,185 |
| Earnings coverage of net charge-offs (x) | 16.7906% | 2,157 |
| Efficiency ratio | 58.7768% | 4,438 |
| Assets per employee ($millions) | 6.8344% | 1,044 |
| Cash dividends to net income (ytd only)* | 57.8320% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 3,580 |
| Loan loss allowance to noncurrent loans | 440.5910% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 4,166 |
| Noncurrent loans to loans | 0.2398% | 3,944 |
| Net loans and leases to total assets | 78.6656% | 1,190 |
| Net loans and leases to deposits | 98.5501% | 856 |
| Net loans and leases to core deposits | 110.5012% | 972 |
| Total domestic deposits to total assets | 79.8229% | 4,370 |
| Equity capital to assets | 9.4515% | 4,269 |
| Core capital (leverage) ratio | 8.9712% | 4,685 |
| Tier 1 risk-based capital ratio | 9.9556% | 5,545 |
| Total risk-based capital ratio | 10.9265% | 5,555 |
| Memoranda: | ||
| Average total assets | $3,435,300,400 | 280 |
| Average earning assets | $3,248,972,200 | 270 |
| Average equity | $327,300,600 | 314 |
| Average total loans | $2,715,109,200 | 261 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 3,094 |
| Cost of funding earning assets | 0.3435% | 3,735 |
| Net interest margin | 3.7262% | 2,670 |
| Noninterest income to average assets | 0.6423% | 2,243 |
| Noninterest expense to average assets | 2.5005% | 3,732 |
| Loan and lease loss provision to assets | 0.2778% | 586 |
| Net operating income to assets | 1.3457% | 1,209 |
| Return on assets (ROA) | 1.3541% | 1,215 |
| Pretax return on assets | 1.3950% | 2,133 |
| Return on Equity (ROE) | 14.1831% | 799 |
| Retained earnings to average equity (ytd only) | 5.7128% | 2,423 |
| Net charge-offs to loans | 0.0935% | 1,853 |
| Credit loss provision to net charge-offs | 376.7269% | 814 |
| Earnings coverage of net charge-offs (x) | 22.5648% | 1,856 |
| Efficiency ratio | 58.9683% | 4,362 |
| Assets per employee ($millions) | 6.6495% | 1,100 |
| Cash dividends to net income (ytd only)* | 59.7210% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,491 |
| Loan loss allowance to noncurrent loans | 361.0147% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 4,085 |
| Noncurrent loans to loans | 0.3042% | 3,851 |
| Net loans and leases to total assets | 78.9362% | 1,129 |
| Net loans and leases to deposits | 98.9773% | 824 |
| Net loans and leases to core deposits | 111.4551% | 955 |
| Total domestic deposits to total assets | 79.7519% | 4,375 |
| Equity capital to assets | 9.5860% | 4,357 |
| Core capital (leverage) ratio | 8.9903% | 4,753 |
| Tier 1 risk-based capital ratio | 9.9583% | 5,607 |
| Total risk-based capital ratio | 10.9731% | 5,620 |
| Memoranda: | ||
| Average total assets | $3,402,234,500 | 279 |
| Average earning assets | $3,216,251,000 | 271 |
| Average equity | $324,828,250 | 316 |
| Average total loans | $2,684,783,250 | 262 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,023 |
| Cost of funding earning assets | 0.3071% | 4,015 |
| Net interest margin | 3.7381% | 2,522 |
| Noninterest income to average assets | 0.6135% | 2,393 |
| Noninterest expense to average assets | 2.5207% | 3,686 |
| Loan and lease loss provision to assets | 0.3256% | 454 |
| Net operating income to assets | 1.2562% | 1,416 |
| Return on assets (ROA) | 1.2702% | 1,403 |
| Pretax return on assets | 1.3104% | 2,349 |
| Return on Equity (ROE) | 13.3221% | 956 |
| Retained earnings to average equity (ytd only) | 3.5577% | 3,589 |
| Net charge-offs to loans | 0.1128% | 1,503 |
| Credit loss provision to net charge-offs | 367.2241% | 843 |
| Earnings coverage of net charge-offs (x) | 18.2910% | 1,888 |
| Efficiency ratio | 59.7655% | 4,346 |
| Assets per employee ($millions) | 6.5421% | 1,128 |
| Cash dividends to net income (ytd only)* | 73.2947% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,635 |
| Loan loss allowance to noncurrent loans | 379.7725% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 4,242 |
| Noncurrent loans to loans | 0.2874% | 4,013 |
| Net loans and leases to total assets | 77.8230% | 1,270 |
| Net loans and leases to deposits | 98.9470% | 816 |
| Net loans and leases to core deposits | 111.7736% | 916 |
| Total domestic deposits to total assets | 78.6512% | 4,696 |
| Equity capital to assets | 9.5474% | 4,365 |
| Core capital (leverage) ratio | 8.9101% | 4,831 |
| Tier 1 risk-based capital ratio | 9.9155% | 5,648 |
| Total risk-based capital ratio | 10.9145% | 5,663 |
| Memoranda: | ||
| Average total assets | $3,372,648,000 | 281 |
| Average earning assets | $3,183,841,670 | 272 |
| Average equity | $321,555,330 | 319 |
| Average total loans | $2,650,959,330 | 265 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 3,310 |
| Cost of funding earning assets | 0.2750% | 4,303 |
| Net interest margin | 3.6482% | 2,703 |
| Noninterest income to average assets | 0.5972% | 2,429 |
| Noninterest expense to average assets | 2.3682% | 4,203 |
| Loan and lease loss provision to assets | 0.3584% | 325 |
| Net operating income to assets | 1.2739% | 1,310 |
| Return on assets (ROA) | 1.2739% | 1,344 |
| Pretax return on assets | 1.3114% | 2,196 |
| Return on Equity (ROE) | 13.3706% | 930 |
| Retained earnings to average equity (ytd only) | 13.3706% | 348 |
| Net charge-offs to loans | 0.1335% | 1,127 |
| Credit loss provision to net charge-offs | 341.6856% | 724 |
| Earnings coverage of net charge-offs (x) | 15.9191% | 1,658 |
| Efficiency ratio | 57.5237% | 4,774 |
| Assets per employee ($millions) | 6.4483% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 4,083 |
| Loan loss allowance to noncurrent loans | 223.4950% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 3,747 |
| Noncurrent loans to loans | 0.4618% | 3,445 |
| Net loans and leases to total assets | 77.9136% | 1,147 |
| Net loans and leases to deposits | 96.5093% | 895 |
| Net loans and leases to core deposits | 106.4427% | 1,072 |
| Total domestic deposits to total assets | 80.7318% | 4,474 |
| Equity capital to assets | 9.6456% | 4,133 |
| Core capital (leverage) ratio | 9.1079% | 4,607 |
| Tier 1 risk-based capital ratio | 10.1704% | 5,660 |
| Total risk-based capital ratio | 11.1166% | 5,699 |
| Memoranda: | ||
| Average total assets | $3,348,205,000 | 284 |
| Average earning assets | $3,157,817,000 | 276 |
| Average equity | $318,998,500 | 321 |
| Average total loans | $2,630,377,500 | 268 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 3,557 |
| Cost of funding earning assets | 0.2738% | 4,321 |
| Net interest margin | 3.6301% | 2,960 |
| Noninterest income to average assets | 0.6581% | 2,379 |
| Noninterest expense to average assets | 2.6703% | 3,447 |
| Loan and lease loss provision to assets | 0.1705% | 1,429 |
| Net operating income to assets | 1.2075% | 1,484 |
| Return on assets (ROA) | 1.2478% | 1,443 |
| Pretax return on assets | 1.2823% | 2,343 |
| Return on Equity (ROE) | 13.2575% | 934 |
| Retained earnings to average equity (ytd only) | 1.2505% | 4,784 |
| Net charge-offs to loans | 0.1345% | 1,898 |
| Credit loss provision to net charge-offs | 165.3355% | 1,679 |
| Earnings coverage of net charge-offs (x) | 13.6831% | 2,349 |
| Efficiency ratio | 64.3983% | 3,867 |
| Assets per employee ($millions) | 6.1774% | 1,346 |
| Cash dividends to net income (ytd only)* | 90.5672% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 4,450 |
| Loan loss allowance to noncurrent loans | 222.1950% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 3,641 |
| Noncurrent loans to loans | 0.4402% | 3,569 |
| Net loans and leases to total assets | 77.6249% | 1,263 |
| Net loans and leases to deposits | 95.8339% | 1,014 |
| Net loans and leases to core deposits | 106.3000% | 1,111 |
| Total domestic deposits to total assets | 80.9994% | 4,332 |
| Equity capital to assets | 9.4066% | 4,368 |
| Core capital (leverage) ratio | 9.0869% | 4,634 |
| Tier 1 risk-based capital ratio | 9.9662% | 5,745 |
| Total risk-based capital ratio | 10.8510% | 5,793 |
| Memoranda: | ||
| Average total assets | $3,034,697,600 | 292 |
| Average earning assets | $2,862,021,200 | 283 |
| Average equity | $285,635,200 | 332 |
| Average total loans | $2,326,599,600 | 278 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 3,740 |
| Cost of funding earning assets | 0.2781% | 4,312 |
| Net interest margin | 3.5807% | 3,160 |
| Noninterest income to average assets | 0.6612% | 2,360 |
| Noninterest expense to average assets | 2.6955% | 3,361 |
| Loan and lease loss provision to assets | 0.1619% | 1,430 |
| Net operating income to assets | 1.1522% | 1,801 |
| Return on assets (ROA) | 1.2072% | 1,718 |
| Pretax return on assets | 1.2402% | 2,655 |
| Return on Equity (ROE) | 12.8235% | 1,103 |
| Retained earnings to average equity (ytd only) | 3.7265% | 3,656 |
| Net charge-offs to loans | 0.0922% | 2,030 |
| Credit loss provision to net charge-offs | 230.4738% | 1,280 |
| Earnings coverage of net charge-offs (x) | 19.1569% | 1,955 |
| Efficiency ratio | 65.7658% | 3,632 |
| Assets per employee ($millions) | 5.8653% | 1,535 |
| Cash dividends to net income (ytd only)* | 70.9396% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,971 |
| Loan loss allowance to noncurrent loans | 151.3116% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 3,029 |
| Noncurrent loans to loans | 0.7116% | 2,903 |
| Net loans and leases to total assets | 77.0507% | 1,350 |
| Net loans and leases to deposits | 95.0676% | 1,144 |
| Net loans and leases to core deposits | 104.8209% | 1,283 |
| Total domestic deposits to total assets | 81.0484% | 4,236 |
| Equity capital to assets | 9.2983% | 4,866 |
| Core capital (leverage) ratio | 9.3799% | 4,356 |
| Tier 1 risk-based capital ratio | 10.3333% | 5,689 |
| Total risk-based capital ratio | 11.3042% | 5,727 |
| Memoranda: | ||
| Average total assets | $2,965,606,500 | 295 |
| Average earning assets | $2,799,106,000 | 286 |
| Average equity | $279,179,250 | 335 |
| Average total loans | $2,259,350,250 | 280 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 3,750 |
| Cost of funding earning assets | 0.2788% | 4,363 |
| Net interest margin | 3.5783% | 3,180 |
| Noninterest income to average assets | 0.6359% | 2,433 |
| Noninterest expense to average assets | 2.7120% | 3,352 |
| Loan and lease loss provision to assets | 0.1664% | 1,350 |
| Net operating income to assets | 1.1048% | 1,940 |
| Return on assets (ROA) | 1.1695% | 1,802 |
| Pretax return on assets | 1.2014% | 2,778 |
| Return on Equity (ROE) | 12.3706% | 1,194 |
| Retained earnings to average equity (ytd only) | 3.1059% | 3,928 |
| Net charge-offs to loans | 0.0883% | 1,963 |
| Credit loss provision to net charge-offs | 249.2370% | 1,111 |
| Earnings coverage of net charge-offs (x) | 19.4924% | 1,772 |
| Efficiency ratio | 66.6244% | 3,584 |
| Assets per employee ($millions) | 5.6052% | 1,698 |
| Cash dividends to net income (ytd only)* | 74.8926% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,967 |
| Loan loss allowance to noncurrent loans | 140.5666% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 2,938 |
| Noncurrent loans to loans | 0.7796% | 2,803 |
| Net loans and leases to total assets | 76.6718% | 1,389 |
| Net loans and leases to deposits | 95.0904% | 1,175 |
| Net loans and leases to core deposits | 105.1279% | 1,243 |
| Total domestic deposits to total assets | 80.6305% | 4,382 |
| Equity capital to assets | 9.4946% | 4,770 |
| Core capital (leverage) ratio | 9.3059% | 4,452 |
| Tier 1 risk-based capital ratio | 10.6416% | 5,611 |
| Total risk-based capital ratio | 11.6326% | 5,645 |
| Memoranda: | ||
| Average total assets | $2,945,309,000 | 293 |
| Average earning assets | $2,779,795,670 | 288 |
| Average equity | $278,434,670 | 333 |
| Average total loans | $2,226,693,330 | 281 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 3,798 |
| Cost of funding earning assets | 0.2795% | 4,398 |
| Net interest margin | 3.5616% | 3,235 |
| Noninterest income to average assets | 0.5921% | 2,579 |
| Noninterest expense to average assets | 2.7492% | 3,239 |
| Loan and lease loss provision to assets | 0.1420% | 1,484 |
| Net operating income to assets | 1.0267% | 2,173 |
| Return on assets (ROA) | 1.0274% | 2,287 |
| Pretax return on assets | 1.0635% | 3,229 |
| Return on Equity (ROE) | 10.8911% | 1,634 |
| Retained earnings to average equity (ytd only) | 10.8911% | 668 |
| Net charge-offs to loans | 0.0855% | 1,643 |
| Credit loss provision to net charge-offs | 222.4576% | 1,012 |
| Earnings coverage of net charge-offs (x) | 18.8750% | 1,528 |
| Efficiency ratio | 68.5649% | 3,369 |
| Assets per employee ($millions) | 5.6999% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 4,167 |
| Loan loss allowance to noncurrent loans | 143.8165% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 3,176 |
| Noncurrent loans to loans | 0.7510% | 2,958 |
| Net loans and leases to total assets | 74.0562% | 1,720 |
| Net loans and leases to deposits | 87.7511% | 1,859 |
| Net loans and leases to core deposits | 98.6574% | 1,589 |
| Total domestic deposits to total assets | 84.3934% | 3,361 |
| Equity capital to assets | 9.5260% | 4,642 |
| Core capital (leverage) ratio | 9.4322% | 4,305 |
| Tier 1 risk-based capital ratio | 10.8385% | 5,583 |
| Total risk-based capital ratio | 11.8016% | 5,631 |
| Memoranda: | ||
| Average total assets | $2,957,805,000 | 292 |
| Average earning assets | $2,792,033,000 | 286 |
| Average equity | $279,016,000 | 331 |
| Average total loans | $2,208,105,000 | 279 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 3,852 |
| Cost of funding earning assets | 0.2747% | 4,540 |
| Net interest margin | 3.5835% | 3,197 |
| Noninterest income to average assets | 0.6629% | 2,392 |
| Noninterest expense to average assets | 2.6195% | 3,852 |
| Loan and lease loss provision to assets | 0.0658% | 2,971 |
| Net operating income to assets | 1.3205% | 1,223 |
| Return on assets (ROA) | 1.3591% | 1,170 |
| Pretax return on assets | 1.3932% | 1,929 |
| Return on Equity (ROE) | 13.9380% | 851 |
| Retained earnings to average equity (ytd only) | 1.3122% | 4,971 |
| Net charge-offs to loans | 0.0215% | 3,840 |
| Credit loss provision to net charge-offs | 428.2110% | 718 |
| Earnings coverage of net charge-offs (x) | 92.3968% | 620 |
| Efficiency ratio | 63.7308% | 4,325 |
| Assets per employee ($millions) | 5.9987% | 1,391 |
| Cash dividends to net income (ytd only)* | 90.5852% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 4,260 |
| Loan loss allowance to noncurrent loans | 140.6798% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 3,196 |
| Noncurrent loans to loans | 0.7537% | 2,920 |
| Net loans and leases to total assets | 73.6528% | 1,782 |
| Net loans and leases to deposits | 90.4080% | 1,562 |
| Net loans and leases to core deposits | 101.3758% | 1,414 |
| Total domestic deposits to total assets | 81.4672% | 4,349 |
| Equity capital to assets | 9.3404% | 4,741 |
| Core capital (leverage) ratio | 9.2664% | 4,524 |
| Tier 1 risk-based capital ratio | 10.5719% | 5,744 |
| Total risk-based capital ratio | 11.5143% | 5,802 |
| Memoranda: | ||
| Average total assets | $2,837,724,000 | 292 |
| Average earning assets | $2,673,534,600 | 285 |
| Average equity | $276,703,000 | 327 |
| Average total loans | $2,029,828,600 | 281 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 3,816 |
| Cost of funding earning assets | 0.2739% | 4,619 |
| Net interest margin | 3.6050% | 3,142 |
| Noninterest income to average assets | 0.6566% | 2,443 |
| Noninterest expense to average assets | 2.6184% | 3,806 |
| Loan and lease loss provision to assets | 0.0535% | 3,126 |
| Net operating income to assets | 1.3442% | 1,239 |
| Return on assets (ROA) | 1.3902% | 1,181 |
| Pretax return on assets | 1.4274% | 1,909 |
| Return on Equity (ROE) | 14.1007% | 878 |
| Retained earnings to average equity (ytd only) | 0.0188% | 5,587 |
| Net charge-offs to loans | 0.0044% | 4,024 |
| Credit loss provision to net charge-offs | 1,733.8462% | 214 |
| Earnings coverage of net charge-offs (x) | 464.4549% | 157 |
| Efficiency ratio | 63.4935% | 4,335 |
| Assets per employee ($millions) | 5.9231% | 1,429 |
| Cash dividends to net income (ytd only)* | 99.8668% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 4,247 |
| Loan loss allowance to noncurrent loans | 123.6824% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 3,048 |
| Noncurrent loans to loans | 0.8861% | 2,765 |
| Net loans and leases to total assets | 72.6239% | 1,965 |
| Net loans and leases to deposits | 88.6346% | 1,816 |
| Net loans and leases to core deposits | 99.2717% | 1,576 |
| Total domestic deposits to total assets | 81.9363% | 4,183 |
| Equity capital to assets | 9.5907% | 4,646 |
| Core capital (leverage) ratio | 9.3467% | 4,515 |
| Tier 1 risk-based capital ratio | 10.9597% | 5,674 |
| Total risk-based capital ratio | 11.9320% | 5,738 |
| Memoranda: | ||
| Average total assets | $2,807,810,750 | 299 |
| Average earning assets | $2,644,509,250 | 291 |
| Average equity | $276,821,000 | 327 |
| Average total loans | $1,986,902,000 | 288 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 3,690 |
| Cost of funding earning assets | 0.2956% | 4,440 |
| Net interest margin | 3.6046% | 3,076 |
| Noninterest income to average assets | 0.7342% | 2,064 |
| Noninterest expense to average assets | 2.6654% | 3,705 |
| Loan and lease loss provision to assets | 0.0731% | 2,644 |
| Net operating income to assets | 1.3465% | 1,203 |
| Return on assets (ROA) | 1.3662% | 1,199 |
| Pretax return on assets | 1.4101% | 1,937 |
| Return on Equity (ROE) | 14.2082% | 862 |
| Retained earnings to average equity (ytd only) | -5.1903% | 6,030 |
| Net charge-offs to loans | 0.0092% | 3,586 |
| Credit loss provision to net charge-offs | 1,057.6923% | 337 |
| Earnings coverage of net charge-offs (x) | 211.5385% | 333 |
| Efficiency ratio | 64.2906% | 4,309 |
| Assets per employee ($millions) | 5.3879% | 1,848 |
| Cash dividends to net income (ytd only)* | 136.5306% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 4,304 |
| Loan loss allowance to noncurrent loans | 140.8211% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 3,585 |
| Noncurrent loans to loans | 0.7834% | 3,146 |
| Net loans and leases to total assets | 77.1202% | 1,198 |
| Net loans and leases to deposits | 94.3804% | 1,116 |
| Net loans and leases to core deposits | 104.0510% | 1,184 |
| Total domestic deposits to total assets | 81.7121% | 4,381 |
| Equity capital to assets | 9.1382% | 5,096 |
| Core capital (leverage) ratio | 8.7838% | 5,244 |
| Tier 1 risk-based capital ratio | 9.9166% | 6,112 |
| Total risk-based capital ratio | 10.9218% | 6,139 |
| Memoranda: | ||
| Average total assets | $2,255,712,000 | 349 |
| Average earning assets | $2,124,035,670 | 341 |
| Average equity | $216,903,000 | 396 |
| Average total loans | $1,703,386,670 | 316 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 3,692 |
| Cost of funding earning assets | 0.2848% | 4,612 |
| Net interest margin | 3.5972% | 3,014 |
| Noninterest income to average assets | 0.6684% | 2,316 |
| Noninterest expense to average assets | 2.6043% | 3,903 |
| Loan and lease loss provision to assets | 0.1164% | 1,772 |
| Net operating income to assets | 1.2832% | 1,331 |
| Return on assets (ROA) | 1.3226% | 1,282 |
| Pretax return on assets | 1.3725% | 1,986 |
| Return on Equity (ROE) | 13.4111% | 1,006 |
| Retained earnings to average equity (ytd only) | 13.4111% | 405 |
| Net charge-offs to loans | 0.0478% | 2,316 |
| Credit loss provision to net charge-offs | 328.2828% | 764 |
| Earnings coverage of net charge-offs (x) | 40.8283% | 962 |
| Efficiency ratio | 63.9896% | 4,484 |
| Assets per employee ($millions) | 5.2334% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 4,180 |
| Loan loss allowance to noncurrent loans | 266.7396% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 4,567 |
| Noncurrent loans to loans | 0.4362% | 4,290 |
| Net loans and leases to total assets | 72.7535% | 1,687 |
| Net loans and leases to deposits | 88.4499% | 1,568 |
| Net loans and leases to core deposits | 92.8275% | 1,871 |
| Total domestic deposits to total assets | 82.2539% | 4,435 |
| Equity capital to assets | 9.8116% | 4,375 |
| Core capital (leverage) ratio | 9.6415% | 4,098 |
| Tier 1 risk-based capital ratio | 11.3135% | 5,653 |
| Total risk-based capital ratio | 12.3744% | 5,666 |
| Memoranda: | ||
| Average total assets | $2,233,242,000 | 351 |
| Average earning assets | $2,100,765,500 | 341 |
| Average equity | $220,235,000 | 392 |
| Average total loans | $1,658,051,000 | 326 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 3,500 |
| Cost of funding earning assets | 0.2643% | 5,174 |
| Net interest margin | 3.7919% | 2,654 |
| Noninterest income to average assets | 0.7962% | 1,893 |
| Noninterest expense to average assets | 2.6356% | 4,105 |
| Loan and lease loss provision to assets | 0.0948% | 2,569 |
| Net operating income to assets | 1.5759% | 744 |
| Return on assets (ROA) | 1.6250% | 705 |
| Pretax return on assets | 1.6662% | 1,056 |
| Return on Equity (ROE) | 16.1893% | 601 |
| Retained earnings to average equity (ytd only) | 2.4112% | 4,515 |
| Net charge-offs to loans | 0.0469% | 3,888 |
| Credit loss provision to net charge-offs | 281.9807% | 900 |
| Earnings coverage of net charge-offs (x) | 50.8790% | 917 |
| Efficiency ratio | 60.3041% | 5,178 |
| Assets per employee ($millions) | 4.8883% | 2,473 |
| Cash dividends to net income (ytd only)* | 85.1063% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 4,219 |
| Loan loss allowance to noncurrent loans | 251.1407% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 4,439 |
| Noncurrent loans to loans | 0.4623% | 4,263 |
| Net loans and leases to total assets | 74.0338% | 1,580 |
| Net loans and leases to deposits | 92.2938% | 1,260 |
| Net loans and leases to core deposits | 98.0836% | 1,544 |
| Total domestic deposits to total assets | 80.2154% | 4,962 |
| Equity capital to assets | 9.9137% | 4,219 |
| Core capital (leverage) ratio | 9.4012% | 4,382 |
| Tier 1 risk-based capital ratio | 11.4012% | 5,719 |
| Total risk-based capital ratio | 12.4774% | 5,728 |
| Memoranda: | ||
| Average total assets | $2,161,850,000 | 347 |
| Average earning assets | $2,024,144,200 | 335 |
| Average equity | $216,989,600 | 378 |
| Average total loans | $1,548,918,600 | 323 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,538 |
| Cost of funding earning assets | 0.2587% | 5,324 |
| Net interest margin | 3.7958% | 2,636 |
| Noninterest income to average assets | 0.7554% | 2,071 |
| Noninterest expense to average assets | 2.6428% | 4,039 |
| Loan and lease loss provision to assets | 0.0959% | 2,447 |
| Net operating income to assets | 1.5230% | 895 |
| Return on assets (ROA) | 1.5817% | 813 |
| Pretax return on assets | 1.6280% | 1,239 |
| Return on Equity (ROE) | 15.7094% | 715 |
| Retained earnings to average equity (ytd only) | 2.2523% | 4,933 |
| Net charge-offs to loans | 0.0315% | 3,855 |
| Credit loss provision to net charge-offs | 429.3629% | 657 |
| Earnings coverage of net charge-offs (x) | 74.4683% | 742 |
| Efficiency ratio | 61.0354% | 5,035 |
| Assets per employee ($millions) | 4.8538% | 2,441 |
| Cash dividends to net income (ytd only)* | 85.6629% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 4,321 |
| Loan loss allowance to noncurrent loans | 236.7005% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 4,584 |
| Noncurrent loans to loans | 0.5001% | 4,426 |
| Net loans and leases to total assets | 72.9256% | 1,693 |
| Net loans and leases to deposits | 89.5428% | 1,474 |
| Net loans and leases to core deposits | 95.6892% | 1,700 |
| Total domestic deposits to total assets | 81.4422% | 4,684 |
| Equity capital to assets | 10.0219% | 4,139 |
| Core capital (leverage) ratio | 9.3678% | 4,548 |
| Tier 1 risk-based capital ratio | 11.6271% | 5,720 |
| Total risk-based capital ratio | 12.7301% | 5,732 |
| Memoranda: | ||
| Average total assets | $2,154,821,000 | 344 |
| Average earning assets | $2,015,702,250 | 331 |
| Average equity | $216,960,250 | 375 |
| Average total loans | $1,526,058,250 | 323 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0154% | 3,671 |
| Cost of funding earning assets | 0.2586% | 5,398 |
| Net interest margin | 3.7567% | 2,731 |
| Noninterest income to average assets | 0.7362% | 2,106 |
| Noninterest expense to average assets | 2.6445% | 4,076 |
| Loan and lease loss provision to assets | 0.0744% | 2,789 |
| Net operating income to assets | 1.4836% | 901 |
| Return on assets (ROA) | 1.5492% | 829 |
| Pretax return on assets | 1.5942% | 1,263 |
| Return on Equity (ROE) | 15.3621% | 739 |
| Retained earnings to average equity (ytd only) | 2.0898% | 4,853 |
| Net charge-offs to loans | 0.0284% | 3,625 |
| Credit loss provision to net charge-offs | 375.5869% | 729 |
| Earnings coverage of net charge-offs (x) | 80.8545% | 657 |
| Efficiency ratio | 61.9488% | 5,015 |
| Assets per employee ($millions) | 4.9265% | 2,304 |
| Cash dividends to net income (ytd only)* | 86.3966% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 4,610 |
| Loan loss allowance to noncurrent loans | 214.8070% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 4,615 |
| Noncurrent loans to loans | 0.5405% | 4,388 |
| Net loans and leases to total assets | 70.7733% | 1,957 |
| Net loans and leases to deposits | 94.7800% | 900 |
| Net loans and leases to core deposits | 98.5993% | 1,401 |
| Total domestic deposits to total assets | 74.6711% | 6,049 |
| Equity capital to assets | 9.8244% | 4,318 |
| Core capital (leverage) ratio | 9.3625% | 4,514 |
| Tier 1 risk-based capital ratio | 11.5570% | 5,768 |
| Total risk-based capital ratio | 12.6268% | 5,813 |
| Memoranda: | ||
| Average total assets | $2,151,489,330 | 340 |
| Average earning assets | $2,009,719,670 | 327 |
| Average equity | $216,962,000 | 371 |
| Average total loans | $1,502,206,000 | 323 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 3,667 |
| Cost of funding earning assets | 0.2613% | 5,474 |
| Net interest margin | 3.7425% | 2,702 |
| Noninterest income to average assets | 0.6953% | 2,197 |
| Noninterest expense to average assets | 2.7005% | 3,933 |
| Loan and lease loss provision to assets | 0.0941% | 2,350 |
| Net operating income to assets | 1.3584% | 1,077 |
| Return on assets (ROA) | 1.4533% | 926 |
| Pretax return on assets | 1.4936% | 1,444 |
| Return on Equity (ROE) | 14.2220% | 903 |
| Retained earnings to average equity (ytd only) | 14.2220% | 374 |
| Net charge-offs to loans | 0.1068% | 2,115 |
| Credit loss provision to net charge-offs | 127.8772% | 1,397 |
| Earnings coverage of net charge-offs (x) | 20.2532% | 1,339 |
| Efficiency ratio | 64.0955% | 4,842 |
| Assets per employee ($millions) | 4.6162% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 4,568 |
| Loan loss allowance to noncurrent loans | 208.5624% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4710% | 4,725 |
| Noncurrent loans to loans | 0.5830% | 4,413 |
| Net loans and leases to total assets | 68.8107% | 2,089 |
| Net loans and leases to deposits | 83.1859% | 1,924 |
| Net loans and leases to core deposits | 85.9935% | 2,321 |
| Total domestic deposits to total assets | 82.7192% | 4,708 |
| Equity capital to assets | 10.5221% | 3,224 |
| Core capital (leverage) ratio | 9.8903% | 3,730 |
| Tier 1 risk-based capital ratio | 12.6001% | 5,255 |
| Total risk-based capital ratio | 13.7069% | 5,277 |
| Memoranda: | ||
| Average total assets | $2,126,156,500 | 347 |
| Average earning assets | $1,985,533,500 | 336 |
| Average equity | $217,269,000 | 367 |
| Average total loans | $1,464,886,000 | 327 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0640% | 3,870 |
| Cost of funding earning assets | 0.3012% | 5,589 |
| Net interest margin | 3.7628% | 2,793 |
| Noninterest income to average assets | 0.8526% | 1,860 |
| Noninterest expense to average assets | 2.6579% | 4,250 |
| Loan and lease loss provision to assets | 0.0532% | 4,075 |
| Net operating income to assets | 1.6211% | 663 |
| Return on assets (ROA) | 1.7305% | 571 |
| Pretax return on assets | 1.7765% | 798 |
| Return on Equity (ROE) | 16.5401% | 559 |
| Retained earnings to average equity (ytd only) | 1.5721% | 5,102 |
| Net charge-offs to loans | 0.1063% | 3,766 |
| Credit loss provision to net charge-offs | 76.2301% | 3,135 |
| Earnings coverage of net charge-offs (x) | 24.6168% | 1,358 |
| Efficiency ratio | 60.3339% | 5,423 |
| Assets per employee ($millions) | 4.6379% | 2,674 |
| Cash dividends to net income (ytd only)* | 90.4952% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 4,606 |
| Loan loss allowance to noncurrent loans | 242.8532% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 5,028 |
| Noncurrent loans to loans | 0.4986% | 4,748 |
| Net loans and leases to total assets | 67.3286% | 2,467 |
| Net loans and leases to deposits | 87.3808% | 1,535 |
| Net loans and leases to core deposits | 91.8618% | 1,808 |
| Total domestic deposits to total assets | 77.0519% | 5,962 |
| Equity capital to assets | 9.9216% | 3,870 |
| Core capital (leverage) ratio | 9.5709% | 4,151 |
| Tier 1 risk-based capital ratio | 12.1391% | 5,534 |
| Total risk-based capital ratio | 13.2411% | 5,560 |
| Memoranda: | ||
| Average total assets | $2,068,955,600 | 344 |
| Average earning assets | $1,936,684,400 | 331 |
| Average equity | $216,461,800 | 357 |
| Average total loans | $1,358,108,200 | 329 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 3,843 |
| Cost of funding earning assets | 0.3148% | 5,600 |
| Net interest margin | 3.7641% | 2,786 |
| Noninterest income to average assets | 0.9048% | 1,745 |
| Noninterest expense to average assets | 2.6869% | 4,069 |
| Loan and lease loss provision to assets | 0.0228% | 4,551 |
| Net operating income to assets | 1.6755% | 646 |
| Return on assets (ROA) | 1.8170% | 525 |
| Pretax return on assets | 1.8637% | 773 |
| Return on Equity (ROE) | 17.1354% | 526 |
| Retained earnings to average equity (ytd only) | 0.9381% | 5,609 |
| Net charge-offs to loans | 0.0840% | 3,749 |
| Credit loss provision to net charge-offs | 41.7163% | 3,671 |
| Earnings coverage of net charge-offs (x) | 31.8867% | 1,186 |
| Efficiency ratio | 60.2677% | 5,397 |
| Assets per employee ($millions) | 4.5943% | 2,727 |
| Cash dividends to net income (ytd only)* | 94.5254% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 4,498 |
| Loan loss allowance to noncurrent loans | 187.1473% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 4,899 |
| Noncurrent loans to loans | 0.6842% | 4,488 |
| Net loans and leases to total assets | 64.3925% | 2,937 |
| Net loans and leases to deposits | 82.8140% | 2,026 |
| Net loans and leases to core deposits | 85.9184% | 2,417 |
| Total domestic deposits to total assets | 77.7555% | 5,941 |
| Equity capital to assets | 10.1086% | 3,757 |
| Core capital (leverage) ratio | 9.6318% | 4,199 |
| Tier 1 risk-based capital ratio | 12.6224% | 5,375 |
| Total risk-based capital ratio | 13.7756% | 5,383 |
| Memoranda: | ||
| Average total assets | $2,049,361,250 | 345 |
| Average earning assets | $1,917,900,750 | 335 |
| Average equity | $217,314,750 | 352 |
| Average total loans | $1,331,762,750 | 339 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 3,772 |
| Cost of funding earning assets | 0.3356% | 5,518 |
| Net interest margin | 3.7550% | 2,744 |
| Noninterest income to average assets | 0.9773% | 1,586 |
| Noninterest expense to average assets | 2.7402% | 3,890 |
| Loan and lease loss provision to assets | 0.0098% | 4,670 |
| Net operating income to assets | 1.7005% | 620 |
| Return on assets (ROA) | 1.9199% | 445 |
| Pretax return on assets | 1.9661% | 646 |
| Return on Equity (ROE) | 17.8175% | 475 |
| Retained earnings to average equity (ytd only) | -0.6424% | 5,986 |
| Net charge-offs to loans | 0.0827% | 3,542 |
| Credit loss provision to net charge-offs | 18.3486% | 3,756 |
| Earnings coverage of net charge-offs (x) | 32.6495% | 1,080 |
| Efficiency ratio | 60.5782% | 5,392 |
| Assets per employee ($millions) | 4.3770% | 3,041 |
| Cash dividends to net income (ytd only)* | 103.6057% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 4,351 |
| Loan loss allowance to noncurrent loans | 213.7709% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 4,988 |
| Noncurrent loans to loans | 0.6233% | 4,695 |
| Net loans and leases to total assets | 64.5242% | 2,835 |
| Net loans and leases to deposits | 79.5261% | 2,402 |
| Net loans and leases to core deposits | 82.8303% | 2,715 |
| Total domestic deposits to total assets | 81.1359% | 5,303 |
| Equity capital to assets | 10.3801% | 3,453 |
| Core capital (leverage) ratio | 9.5577% | 4,149 |
| Tier 1 risk-based capital ratio | 13.0904% | 5,079 |
| Total risk-based capital ratio | 14.3049% | 5,045 |
| Memoranda: | ||
| Average total assets | $2,031,086,000 | 350 |
| Average earning assets | $1,901,326,000 | 336 |
| Average equity | $218,852,000 | 350 |
| Average total loans | $1,318,179,330 | 341 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,926 |
| Cost of funding earning assets | 0.3495% | 5,538 |
| Net interest margin | 3.6992% | 2,855 |
| Noninterest income to average assets | 1.0140% | 1,436 |
| Noninterest expense to average assets | 2.7093% | 4,021 |
| Loan and lease loss provision to assets | 0.0197% | 4,224 |
| Net operating income to assets | 1.7027% | 582 |
| Return on assets (ROA) | 1.9244% | 425 |
| Pretax return on assets | 1.9682% | 626 |
| Return on Equity (ROE) | 17.5403% | 468 |
| Retained earnings to average equity (ytd only) | 4.1070% | 3,754 |
| Net charge-offs to loans | 0.1280% | 2,646 |
| Credit loss provision to net charge-offs | 23.7530% | 2,984 |
| Earnings coverage of net charge-offs (x) | 21.2945% | 1,161 |
| Efficiency ratio | 60.1793% | 5,562 |
| Assets per employee ($millions) | 4.4181% | 3,119 |
| Cash dividends to net income (ytd only)* | 76.5853% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,408 |
| Loan loss allowance to noncurrent loans | 178.5549% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 4,906 |
| Noncurrent loans to loans | 0.7638% | 4,600 |
| Net loans and leases to total assets | 62.8695% | 2,905 |
| Net loans and leases to deposits | 76.7527% | 2,519 |
| Net loans and leases to core deposits | 80.1320% | 2,790 |
| Total domestic deposits to total assets | 81.9118% | 5,222 |
| Equity capital to assets | 10.9433% | 3,025 |
| Core capital (leverage) ratio | 9.9064% | 3,522 |
| Tier 1 risk-based capital ratio | 13.5721% | 4,818 |
| Total risk-based capital ratio | 14.8085% | 4,787 |
| Memoranda: | ||
| Average total assets | $2,035,540,000 | 353 |
| Average earning assets | $1,902,272,500 | 338 |
| Average equity | $223,326,000 | 350 |
| Average total loans | $1,316,062,000 | 343 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 4,191 |
| Cost of funding earning assets | 0.4999% | 5,220 |
| Net interest margin | 3.7993% | 3,228 |
| Noninterest income to average assets | 1.1315% | 1,218 |
| Noninterest expense to average assets | 2.8121% | 3,978 |
| Loan and lease loss provision to assets | 0.0369% | 5,422 |
| Net operating income to assets | 1.7780% | 533 |
| Return on assets (ROA) | 1.8258% | 553 |
| Pretax return on assets | 1.8733% | 790 |
| Return on Equity (ROE) | 15.8696% | 678 |
| Retained earnings to average equity (ytd only) | -3.2009% | 6,279 |
| Net charge-offs to loans | 0.0724% | 4,961 |
| Credit loss provision to net charge-offs | 81.9672% | 3,766 |
| Earnings coverage of net charge-offs (x) | 41.3410% | 779 |
| Efficiency ratio | 58.3979% | 5,774 |
| Assets per employee ($millions) | 4.3938% | 3,161 |
| Cash dividends to net income (ytd only)* | 120.1703% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 4,368 |
| Loan loss allowance to noncurrent loans | 175.7028% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 4,661 |
| Noncurrent loans to loans | 0.7724% | 4,638 |
| Net loans and leases to total assets | 64.6848% | 2,776 |
| Net loans and leases to deposits | 80.0336% | 2,276 |
| Net loans and leases to core deposits | 83.4758% | 2,610 |
| Total domestic deposits to total assets | 80.8221% | 5,450 |
| Equity capital to assets | 10.9995% | 2,956 |
| Core capital (leverage) ratio | 9.7547% | 3,719 |
| Tier 1 risk-based capital ratio | 13.3788% | 4,833 |
| Total risk-based capital ratio | 14.6289% | 4,791 |
| Memoranda: | ||
| Average total assets | $2,032,715,600 | 351 |
| Average earning assets | $1,894,779,000 | 338 |
| Average equity | $233,868,400 | 329 |
| Average total loans | $1,263,699,400 | 348 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 4,557 |
| Cost of funding earning assets | 0.5363% | 5,198 |
| Net interest margin | 3.7387% | 3,617 |
| Noninterest income to average assets | 1.1109% | 1,223 |
| Noninterest expense to average assets | 2.7610% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7895% | 577 |
| Return on assets (ROA) | 1.8192% | 608 |
| Pretax return on assets | 1.8677% | 926 |
| Return on Equity (ROE) | 15.6406% | 791 |
| Retained earnings to average equity (ytd only) | 5.7754% | 2,852 |
| Net charge-offs to loans | 0.0691% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 43.3701% | 829 |
| Efficiency ratio | 59.2029% | 5,628 |
| Assets per employee ($millions) | 4.3293% | 3,213 |
| Cash dividends to net income (ytd only)* | 63.0744% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 4,517 |
| Loan loss allowance to noncurrent loans | 179.8037% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 4,823 |
| Noncurrent loans to loans | 0.7597% | 4,898 |
| Net loans and leases to total assets | 62.7957% | 3,242 |
| Net loans and leases to deposits | 80.1265% | 2,368 |
| Net loans and leases to core deposits | 83.3422% | 2,771 |
| Total domestic deposits to total assets | 78.3707% | 5,998 |
| Equity capital to assets | 12.0718% | 2,196 |
| Core capital (leverage) ratio | 10.5215% | 2,889 |
| Tier 1 risk-based capital ratio | 14.9858% | 3,860 |
| Total risk-based capital ratio | 16.2360% | 3,808 |
| Memoranda: | ||
| Average total assets | $2,033,414,500 | 351 |
| Average earning assets | $1,896,637,500 | 339 |
| Average equity | $236,515,000 | 325 |
| Average total loans | $1,246,846,000 | 354 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 4,780 |
| Cost of funding earning assets | 0.5640% | 5,192 |
| Net interest margin | 3.6808% | 3,923 |
| Noninterest income to average assets | 1.1100% | 1,162 |
| Noninterest expense to average assets | 2.7683% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7279% | 636 |
| Return on assets (ROA) | 1.8000% | 631 |
| Pretax return on assets | 1.8504% | 940 |
| Return on Equity (ROE) | 15.6719% | 823 |
| Retained earnings to average equity (ytd only) | 3.2787% | 4,427 |
| Net charge-offs to loans | 0.0290% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 101.0670% | 423 |
| Efficiency ratio | 60.0648% | 5,564 |
| Assets per employee ($millions) | 4.4213% | 3,048 |
| Cash dividends to net income (ytd only)* | 79.0794% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 4,388 |
| Loan loss allowance to noncurrent loans | 216.2454% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 5,105 |
| Noncurrent loans to loans | 0.6556% | 5,194 |
| Net loans and leases to total assets | 61.0531% | 3,616 |
| Net loans and leases to deposits | 78.6042% | 2,581 |
| Net loans and leases to core deposits | 82.3517% | 2,918 |
| Total domestic deposits to total assets | 77.6716% | 6,221 |
| Equity capital to assets | 11.5026% | 2,595 |
| Core capital (leverage) ratio | 10.0298% | 3,384 |
| Tier 1 risk-based capital ratio | 14.7425% | 3,937 |
| Total risk-based capital ratio | 15.9934% | 3,897 |
| Memoranda: | ||
| Average total assets | $2,037,292,670 | 349 |
| Average earning assets | $1,900,817,000 | 337 |
| Average equity | $233,998,000 | 325 |
| Average total loans | $1,233,403,670 | 358 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 4,823 |
| Cost of funding earning assets | 0.6051% | 5,086 |
| Net interest margin | 3.6731% | 3,946 |
| Noninterest income to average assets | 1.1156% | 1,132 |
| Noninterest expense to average assets | 2.7943% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6894% | 736 |
| Return on assets (ROA) | 1.7799% | 699 |
| Pretax return on assets | 1.8365% | 1,003 |
| Return on Equity (ROE) | 15.5081% | 884 |
| Retained earnings to average equity (ytd only) | 5.1968% | 3,440 |
| Net charge-offs to loans | 0.0794% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 36.6722% | 801 |
| Efficiency ratio | 61.2171% | 5,421 |
| Assets per employee ($millions) | 4.6869% | 2,684 |
| Cash dividends to net income (ytd only)* | 66.4894% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 4,352 |
| Loan loss allowance to noncurrent loans | 246.7490% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 5,336 |
| Noncurrent loans to loans | 0.5899% | 5,481 |
| Net loans and leases to total assets | 57.2343% | 4,177 |
| Net loans and leases to deposits | 72.2630% | 3,395 |
| Net loans and leases to core deposits | 76.0337% | 3,615 |
| Total domestic deposits to total assets | 79.2028% | 6,034 |
| Equity capital to assets | 11.0281% | 2,873 |
| Core capital (leverage) ratio | 10.2169% | 3,084 |
| Tier 1 risk-based capital ratio | 15.1612% | 3,649 |
| Total risk-based capital ratio | 16.4126% | 3,605 |
| Memoranda: | ||
| Average total assets | $2,027,991,500 | 349 |
| Average earning assets | $1,889,287,500 | 333 |
| Average equity | $232,756,500 | 321 |
| Average total loans | $1,213,486,500 | 363 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 3,826 |
| Cost of funding earning assets | 0.7733% | 5,044 |
| Net interest margin | 4.0242% | 2,767 |
| Noninterest income to average assets | 1.2764% | 788 |
| Noninterest expense to average assets | 2.9118% | 3,911 |
| Loan and lease loss provision to assets | 0.1254% | 5,038 |
| Net operating income to assets | 1.9330% | 355 |
| Return on assets (ROA) | 2.0517% | 299 |
| Pretax return on assets | 2.0991% | 441 |
| Return on Equity (ROE) | 17.0979% | 465 |
| Retained earnings to average equity (ytd only) | 7.8119% | 1,151 |
| Net charge-offs to loans | 0.3158% | 3,814 |
| Credit loss provision to net charge-offs | 61.6607% | 5,129 |
| Earnings coverage of net charge-offs (x) | 10.3453% | 1,850 |
| Efficiency ratio | 57.6468% | 6,098 |
| Assets per employee ($millions) | 4.4223% | 3,032 |
| Cash dividends to net income (ytd only)* | 54.3109% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,886 |
| Loan loss allowance to noncurrent loans | 228.0621% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 5,334 |
| Noncurrent loans to loans | 0.6711% | 5,358 |
| Net loans and leases to total assets | 60.8307% | 3,822 |
| Net loans and leases to deposits | 80.3331% | 2,462 |
| Net loans and leases to core deposits | 85.1401% | 2,733 |
| Total domestic deposits to total assets | 75.7231% | 6,521 |
| Equity capital to assets | 11.9728% | 2,149 |
| Core capital (leverage) ratio | 11.1559% | 2,154 |
| Tier 1 risk-based capital ratio | 16.2780% | 2,915 |
| Total risk-based capital ratio | 17.5305% | 2,882 |
| Memoranda: | ||
| Average total assets | $1,794,837,200 | 373 |
| Average earning assets | $1,667,494,200 | 361 |
| Average equity | $215,377,800 | 325 |
| Average total loans | $1,155,318,600 | 368 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 3,660 |
| Cost of funding earning assets | 0.8148% | 5,052 |
| Net interest margin | 4.0599% | 2,646 |
| Noninterest income to average assets | 1.2701% | 800 |
| Noninterest expense to average assets | 2.8773% | 4,027 |
| Loan and lease loss provision to assets | 0.1703% | 4,336 |
| Net operating income to assets | 1.9444% | 385 |
| Return on assets (ROA) | 2.1077% | 311 |
| Pretax return on assets | 2.1586% | 465 |
| Return on Equity (ROE) | 17.5533% | 504 |
| Retained earnings to average equity (ytd only) | 4.9459% | 3,209 |
| Net charge-offs to loans | 0.3365% | 3,410 |
| Credit loss provision to net charge-offs | 77.7739% | 4,220 |
| Earnings coverage of net charge-offs (x) | 9.8749% | 1,995 |
| Efficiency ratio | 56.6730% | 6,185 |
| Assets per employee ($millions) | 4.3237% | 3,228 |
| Cash dividends to net income (ytd only)* | 71.8236% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 3,540 |
| Loan loss allowance to noncurrent loans | 157.3951% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.9499% | 4,846 |
| Noncurrent loans to loans | 1.0342% | 4,829 |
| Net loans and leases to total assets | 63.6362% | 3,389 |
| Net loans and leases to deposits | 78.3419% | 2,913 |
| Net loans and leases to core deposits | 84.2212% | 3,031 |
| Total domestic deposits to total assets | 81.2288% | 5,362 |
| Equity capital to assets | 12.2845% | 2,032 |
| Core capital (leverage) ratio | 11.4331% | 2,076 |
| Tier 1 risk-based capital ratio | 15.9462% | 3,147 |
| Total risk-based capital ratio | 17.1998% | 3,099 |
| Memoranda: | ||
| Average total assets | $1,761,519,250 | 380 |
| Average earning assets | $1,635,531,750 | 368 |
| Average equity | $211,510,250 | 336 |
| Average total loans | $1,146,370,500 | 373 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 3,622 |
| Cost of funding earning assets | 0.8559% | 5,017 |
| Net interest margin | 4.0440% | 2,635 |
| Noninterest income to average assets | 1.0838% | 1,104 |
| Noninterest expense to average assets | 2.6999% | 4,824 |
| Loan and lease loss provision to assets | 0.1717% | 4,211 |
| Net operating income to assets | 1.9174% | 394 |
| Return on assets (ROA) | 1.9181% | 419 |
| Pretax return on assets | 1.9712% | 625 |
| Return on Equity (ROE) | 16.1020% | 660 |
| Retained earnings to average equity (ytd only) | 1.6918% | 5,147 |
| Net charge-offs to loans | 0.2157% | 3,840 |
| Credit loss provision to net charge-offs | 122.0504% | 2,498 |
| Earnings coverage of net charge-offs (x) | 15.2311% | 1,418 |
| Efficiency ratio | 55.3176% | 6,480 |
| Assets per employee ($millions) | 4.2588% | 3,237 |
| Cash dividends to net income (ytd only)* | 89.4935% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 3,088 |
| Loan loss allowance to noncurrent loans | 156.1196% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0093% | 4,860 |
| Noncurrent loans to loans | 1.1349% | 4,765 |
| Net loans and leases to total assets | 62.7196% | 3,735 |
| Net loans and leases to deposits | 79.8287% | 2,830 |
| Net loans and leases to core deposits | 87.2767% | 2,731 |
| Total domestic deposits to total assets | 78.5678% | 6,174 |
| Equity capital to assets | 12.1665% | 1,986 |
| Core capital (leverage) ratio | 10.9606% | 2,286 |
| Tier 1 risk-based capital ratio | 16.1922% | 2,886 |
| Total risk-based capital ratio | 17.4478% | 2,854 |
| Memoranda: | ||
| Average total assets | $1,747,704,330 | 388 |
| Average earning assets | $1,624,193,330 | 375 |
| Average equity | $208,185,330 | 342 |
| Average total loans | $1,139,719,670 | 385 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8401% | 3,867 |
| Cost of funding earning assets | 0.8737% | 5,101 |
| Net interest margin | 3.9665% | 2,843 |
| Noninterest income to average assets | 1.1574% | 969 |
| Noninterest expense to average assets | 2.6706% | 4,961 |
| Loan and lease loss provision to assets | 0.2296% | 3,354 |
| Net operating income to assets | 1.8858% | 416 |
| Return on assets (ROA) | 1.8887% | 436 |
| Pretax return on assets | 1.9473% | 608 |
| Return on Equity (ROE) | 16.0288% | 672 |
| Retained earnings to average equity (ytd only) | 6.2860% | 2,469 |
| Net charge-offs to loans | 0.2728% | 2,981 |
| Credit loss provision to net charge-offs | 127.7139% | 2,161 |
| Earnings coverage of net charge-offs (x) | 12.0920% | 1,514 |
| Efficiency ratio | 54.6851% | 6,630 |
| Assets per employee ($millions) | 4.4683% | 2,950 |
| Cash dividends to net income (ytd only)* | 60.7829% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7580% | 3,143 |
| Loan loss allowance to noncurrent loans | 137.6978% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 4,798 |
| Noncurrent loans to loans | 1.2767% | 4,565 |
| Net loans and leases to total assets | 61.7393% | 3,913 |
| Net loans and leases to deposits | 77.7644% | 3,103 |
| Net loans and leases to core deposits | 83.9335% | 3,167 |
| Total domestic deposits to total assets | 79.3928% | 6,087 |
| Equity capital to assets | 11.5583% | 2,220 |
| Core capital (leverage) ratio | 11.3051% | 1,955 |
| Tier 1 risk-based capital ratio | 16.2659% | 2,776 |
| Total risk-based capital ratio | 17.5214% | 2,733 |
| Memoranda: | ||
| Average total assets | $1,742,111,500 | 389 |
| Average earning assets | $1,619,375,000 | 379 |
| Average equity | $205,280,500 | 344 |
| Average total loans | $1,148,045,500 | 384 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3285% | 2,986 |
| Cost of funding earning assets | 0.9845% | 5,761 |
| Net interest margin | 4.3439% | 1,668 |
| Noninterest income to average assets | 1.1667% | 1,084 |
| Noninterest expense to average assets | 3.0732% | 3,578 |
| Loan and lease loss provision to assets | 0.1183% | 5,974 |
| Net operating income to assets | 1.9744% | 294 |
| Return on assets (ROA) | 2.0195% | 286 |
| Pretax return on assets | 2.0687% | 418 |
| Return on Equity (ROE) | 17.5260% | 424 |
| Retained earnings to average equity (ytd only) | 9.3118% | 638 |
| Net charge-offs to loans | 0.5388% | 3,459 |
| Credit loss provision to net charge-offs | 31.3529% | 6,482 |
| Earnings coverage of net charge-offs (x) | 5.6735% | 2,560 |
| Efficiency ratio | 58.3061% | 6,307 |
| Assets per employee ($millions) | 4.1885% | 3,407 |
| Cash dividends to net income (ytd only)* | 46.8686% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6816% | 3,286 |
| Loan loss allowance to noncurrent loans | 106.7842% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.4428% | 4,166 |
| Noncurrent loans to loans | 1.5747% | 4,143 |
| Net loans and leases to total assets | 67.9885% | 2,987 |
| Net loans and leases to deposits | 87.1452% | 1,917 |
| Net loans and leases to core deposits | 96.9522% | 1,899 |
| Total domestic deposits to total assets | 78.0175% | 6,310 |
| Equity capital to assets | 12.0231% | 1,900 |
| Core capital (leverage) ratio | 10.9639% | 2,190 |
| Tier 1 risk-based capital ratio | 15.5917% | 2,956 |
| Total risk-based capital ratio | 16.8465% | 2,915 |
| Memoranda: | ||
| Average total assets | $1,690,393,400 | 402 |
| Average earning assets | $1,575,045,600 | 392 |
| Average equity | $194,784,800 | 357 |
| Average total loans | $1,184,012,200 | 382 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 3,139 |
| Cost of funding earning assets | 1.0077% | 5,905 |
| Net interest margin | 4.3374% | 1,722 |
| Noninterest income to average assets | 1.1042% | 1,159 |
| Noninterest expense to average assets | 3.1199% | 3,241 |
| Loan and lease loss provision to assets | 0.0986% | 6,031 |
| Net operating income to assets | 1.8783% | 428 |
| Return on assets (ROA) | 1.9376% | 412 |
| Pretax return on assets | 1.9897% | 631 |
| Return on Equity (ROE) | 16.9989% | 587 |
| Retained earnings to average equity (ytd only) | 5.9310% | 2,399 |
| Net charge-offs to loans | 0.3784% | 3,787 |
| Credit loss provision to net charge-offs | 37.0700% | 6,057 |
| Earnings coverage of net charge-offs (x) | 7.6246% | 2,291 |
| Efficiency ratio | 59.9550% | 5,967 |
| Assets per employee ($millions) | 4.2746% | 3,303 |
| Cash dividends to net income (ytd only)* | 65.1095% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8526% | 2,624 |
| Loan loss allowance to noncurrent loans | 112.7454% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.4690% | 4,250 |
| Noncurrent loans to loans | 1.6432% | 4,180 |
| Net loans and leases to total assets | 66.3167% | 3,617 |
| Net loans and leases to deposits | 83.7031% | 2,757 |
| Net loans and leases to core deposits | 93.5116% | 2,591 |
| Total domestic deposits to total assets | 79.2285% | 5,960 |
| Equity capital to assets | 11.4563% | 2,566 |
| Core capital (leverage) ratio | 10.7045% | 2,509 |
| Tier 1 risk-based capital ratio | 14.8006% | 3,344 |
| Total risk-based capital ratio | 16.0577% | 3,318 |
| Memoranda: | ||
| Average total assets | $1,691,004,500 | 401 |
| Average earning assets | $1,576,178,250 | 390 |
| Average equity | $192,745,250 | 358 |
| Average total loans | $1,188,205,500 | 381 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4028% | 2,964 |
| Cost of funding earning assets | 1.0452% | 5,937 |
| Net interest margin | 4.3576% | 1,571 |
| Noninterest income to average assets | 0.9597% | 1,481 |
| Noninterest expense to average assets | 3.0767% | 3,408 |
| Loan and lease loss provision to assets | 0.0598% | 6,354 |
| Net operating income to assets | 1.8364% | 455 |
| Return on assets (ROA) | 1.9066% | 433 |
| Pretax return on assets | 1.9606% | 655 |
| Return on Equity (ROE) | 16.7566% | 599 |
| Retained earnings to average equity (ytd only) | 4.1403% | 3,437 |
| Net charge-offs to loans | 0.3279% | 3,684 |
| Credit loss provision to net charge-offs | 25.6148% | 5,797 |
| Earnings coverage of net charge-offs (x) | 8.3427% | 2,150 |
| Efficiency ratio | 60.5452% | 5,945 |
| Assets per employee ($millions) | 4.2336% | 3,329 |
| Cash dividends to net income (ytd only)* | 75.2918% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 2,395 |
| Loan loss allowance to noncurrent loans | 98.1463% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 1.6236% | 4,008 |
| Noncurrent loans to loans | 1.9429% | 3,806 |
| Net loans and leases to total assets | 69.3835% | 3,041 |
| Net loans and leases to deposits | 87.6036% | 2,246 |
| Net loans and leases to core deposits | 97.8342% | 2,250 |
| Total domestic deposits to total assets | 79.2016% | 5,980 |
| Equity capital to assets | 11.5616% | 2,393 |
| Core capital (leverage) ratio | 10.5612% | 2,577 |
| Tier 1 risk-based capital ratio | 14.3369% | 3,522 |
| Total risk-based capital ratio | 15.5945% | 3,487 |
| Memoranda: | ||
| Average total assets | $1,671,903,330 | 406 |
| Average earning assets | $1,559,677,330 | 395 |
| Average equity | $190,230,000 | 360 |
| Average total loans | $1,190,505,330 | 380 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3605% | 3,238 |
| Cost of funding earning assets | 1.3508% | 4,487 |
| Net interest margin | 4.0096% | 2,837 |
| Noninterest income to average assets | 0.7532% | 2,281 |
| Noninterest expense to average assets | 2.6751% | 5,029 |
| Loan and lease loss provision to assets | 0.1196% | 5,391 |
| Net operating income to assets | 1.6445% | 692 |
| Return on assets (ROA) | 1.7355% | 626 |
| Pretax return on assets | 1.7938% | 885 |
| Return on Equity (ROE) | 15.3768% | 813 |
| Retained earnings to average equity (ytd only) | 4.7765% | 3,281 |
| Net charge-offs to loans | 0.1427% | 4,080 |
| Credit loss provision to net charge-offs | 117.3709% | 2,969 |
| Earnings coverage of net charge-offs (x) | 17.8521% | 1,256 |
| Efficiency ratio | 58.7490% | 6,373 |
| Assets per employee ($millions) | 4.3380% | 3,226 |
| Cash dividends to net income (ytd only)* | 68.9370% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 2,136 |
| Loan loss allowance to noncurrent loans | 80.7816% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.9535% | 3,557 |
| Noncurrent loans to loans | 2.4994% | 3,177 |
| Net loans and leases to total assets | 69.2512% | 3,097 |
| Net loans and leases to deposits | 86.3654% | 2,519 |
| Net loans and leases to core deposits | 98.1373% | 2,329 |
| Total domestic deposits to total assets | 80.1840% | 5,721 |
| Equity capital to assets | 11.2281% | 2,554 |
| Core capital (leverage) ratio | 10.6345% | 2,512 |
| Tier 1 risk-based capital ratio | 13.8712% | 3,747 |
| Total risk-based capital ratio | 15.1298% | 3,705 |
| Memoranda: | ||
| Average total assets | $1,671,714,500 | 415 |
| Average earning assets | $1,559,941,000 | 409 |
| Average equity | $188,673,500 | 368 |
| Average total loans | $1,194,337,000 | 398 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8043% | 2,636 |
| Cost of funding earning assets | 1.5443% | 5,315 |
| Net interest margin | 4.2599% | 1,854 |
| Noninterest income to average assets | 1.1460% | 1,174 |
| Noninterest expense to average assets | 2.6516% | 5,590 |
| Loan and lease loss provision to assets | 0.8720% | 2,564 |
| Net operating income to assets | 1.5720% | 577 |
| Return on assets (ROA) | 1.5902% | 597 |
| Pretax return on assets | 1.6244% | 911 |
| Return on Equity (ROE) | 15.4494% | 611 |
| Retained earnings to average equity (ytd only) | 8.7001% | 541 |
| Net charge-offs to loans | 0.8922% | 2,611 |
| Credit loss provision to net charge-offs | 130.8444% | 3,880 |
| Earnings coverage of net charge-offs (x) | 3.7179% | 3,232 |
| Efficiency ratio | 50.9005% | 7,478 |
| Assets per employee ($millions) | 4.2790% | 3,305 |
| Cash dividends to net income (ytd only)* | 43.6865% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0073% | 2,004 |
| Loan loss allowance to noncurrent loans | 96.5843% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.6699% | 3,865 |
| Noncurrent loans to loans | 2.0783% | 3,551 |
| Net loans and leases to total assets | 70.7742% | 3,063 |
| Net loans and leases to deposits | 89.8522% | 2,234 |
| Net loans and leases to core deposits | 103.5097% | 3,626 |
| Total domestic deposits to total assets | 78.7674% | 6,040 |
| Equity capital to assets | 11.3455% | 2,437 |
| Core capital (leverage) ratio | 10.2111% | 2,873 |
| Tier 1 risk-based capital ratio | 13.6310% | 3,734 |
| Total risk-based capital ratio | 14.8895% | 3,668 |
| Memoranda: | ||
| Average total assets | $1,720,110,800 | 408 |
| Average earning assets | $1,608,508,800 | 396 |
| Average equity | $177,055,200 | 389 |
| Average total loans | $1,284,881,800 | 384 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8117% | 2,836 |
| Cost of funding earning assets | 1.5751% | 5,516 |
| Net interest margin | 4.2367% | 1,920 |
| Noninterest income to average assets | 1.1231% | 1,254 |
| Noninterest expense to average assets | 2.6140% | 5,666 |
| Loan and lease loss provision to assets | 0.9792% | 1,956 |
| Net operating income to assets | 1.4659% | 888 |
| Return on assets (ROA) | 1.4900% | 888 |
| Pretax return on assets | 1.5220% | 1,351 |
| Return on Equity (ROE) | 14.8372% | 791 |
| Retained earnings to average equity (ytd only) | 5.6987% | 2,101 |
| Net charge-offs to loans | 0.7052% | 2,584 |
| Credit loss provision to net charge-offs | 184.4351% | 2,471 |
| Earnings coverage of net charge-offs (x) | 4.6648% | 3,048 |
| Efficiency ratio | 50.5582% | 7,509 |
| Assets per employee ($millions) | 4.3984% | 3,038 |
| Cash dividends to net income (ytd only)* | 61.5916% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 1,610 |
| Loan loss allowance to noncurrent loans | 83.9412% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.9334% | 3,448 |
| Noncurrent loans to loans | 2.4939% | 3,022 |
| Net loans and leases to total assets | 71.7270% | 3,099 |
| Net loans and leases to deposits | 95.2853% | 1,671 |
| Net loans and leases to core deposits | 110.8796% | 3,138 |
| Total domestic deposits to total assets | 75.2760% | 6,725 |
| Equity capital to assets | 10.5962% | 3,406 |
| Core capital (leverage) ratio | 9.8454% | 3,459 |
| Tier 1 risk-based capital ratio | 12.6210% | 4,459 |
| Total risk-based capital ratio | 13.8810% | 4,399 |
| Memoranda: | ||
| Average total assets | $1,736,148,500 | 420 |
| Average earning assets | $1,625,796,000 | 409 |
| Average equity | $174,349,750 | 408 |
| Average total loans | $1,307,102,250 | 392 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8326% | 2,887 |
| Cost of funding earning assets | 1.6427% | 5,544 |
| Net interest margin | 4.1899% | 2,035 |
| Noninterest income to average assets | 1.2480% | 984 |
| Noninterest expense to average assets | 2.6442% | 5,582 |
| Loan and lease loss provision to assets | 1.0327% | 1,641 |
| Net operating income to assets | 1.4640% | 911 |
| Return on assets (ROA) | 1.4879% | 917 |
| Pretax return on assets | 1.5162% | 1,398 |
| Return on Equity (ROE) | 15.0897% | 817 |
| Retained earnings to average equity (ytd only) | 4.6754% | 2,697 |
| Net charge-offs to loans | 0.5473% | 2,683 |
| Credit loss provision to net charge-offs | 248.4129% | 1,876 |
| Earnings coverage of net charge-offs (x) | 6.0726% | 2,689 |
| Efficiency ratio | 50.3818% | 7,643 |
| Assets per employee ($millions) | 4.2580% | 3,189 |
| Cash dividends to net income (ytd only)* | 69.0160% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 1,570 |
| Loan loss allowance to noncurrent loans | 91.5135% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.7777% | 3,512 |
| Noncurrent loans to loans | 2.1838% | 3,275 |
| Net loans and leases to total assets | 75.7470% | 2,247 |
| Net loans and leases to deposits | 97.1679% | 1,642 |
| Net loans and leases to core deposits | 116.2834% | 2,686 |
| Total domestic deposits to total assets | 77.9547% | 6,087 |
| Equity capital to assets | 10.4264% | 3,489 |
| Core capital (leverage) ratio | 9.2887% | 4,181 |
| Tier 1 risk-based capital ratio | 12.1308% | 4,819 |
| Total risk-based capital ratio | 13.3900% | 4,721 |
| Memoranda: | ||
| Average total assets | $1,743,077,330 | 427 |
| Average earning assets | $1,631,009,330 | 413 |
| Average equity | $171,878,670 | 415 |
| Average total loans | $1,323,908,000 | 401 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6801% | 3,900 |
| Cost of funding earning assets | 1.6799% | 5,697 |
| Net interest margin | 4.0002% | 2,644 |
| Noninterest income to average assets | 0.9852% | 1,529 |
| Noninterest expense to average assets | 2.4960% | 5,854 |
| Loan and lease loss provision to assets | 1.1249% | 1,158 |
| Net operating income to assets | 1.0869% | 2,006 |
| Return on assets (ROA) | 1.1339% | 1,976 |
| Pretax return on assets | 1.1512% | 2,798 |
| Return on Equity (ROE) | 11.8185% | 1,723 |
| Retained earnings to average equity (ytd only) | 2.3215% | 4,585 |
| Net charge-offs to loans | 0.6156% | 1,940 |
| Credit loss provision to net charge-offs | 242.6007% | 1,921 |
| Earnings coverage of net charge-offs (x) | 4.8054% | 2,811 |
| Efficiency ratio | 52.0002% | 7,421 |
| Assets per employee ($millions) | 4.3951% | 2,896 |
| Cash dividends to net income (ytd only)* | 80.3571% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 1,921 |
| Loan loss allowance to noncurrent loans | 91.4275% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4723% | 3,724 |
| Noncurrent loans to loans | 1.9399% | 3,354 |
| Net loans and leases to total assets | 73.0164% | 3,001 |
| Net loans and leases to deposits | 94.8973% | 2,122 |
| Net loans and leases to core deposits | 111.5899% | 3,252 |
| Total domestic deposits to total assets | 76.9426% | 6,289 |
| Equity capital to assets | 9.6559% | 4,447 |
| Core capital (leverage) ratio | 8.8157% | 4,956 |
| Tier 1 risk-based capital ratio | 11.3208% | 5,577 |
| Total risk-based capital ratio | 12.5767% | 5,484 |
| Memoranda: | ||
| Average total assets | $1,777,914,500 | 418 |
| Average earning assets | $1,661,801,500 | 407 |
| Average equity | $170,580,000 | 419 |
| Average total loans | $1,339,162,000 | 398 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6316% | 2,332 |
| Cost of funding earning assets | 2.3020% | 5,143 |
| Net interest margin | 4.3296% | 1,885 |
| Noninterest income to average assets | 0.5254% | 4,420 |
| Noninterest expense to average assets | 2.5113% | 5,958 |
| Loan and lease loss provision to assets | 1.2420% | 1,155 |
| Net operating income to assets | 0.7456% | 3,691 |
| Return on assets (ROA) | 0.7660% | 3,431 |
| Pretax return on assets | 0.7912% | 4,106 |
| Return on Equity (ROE) | 8.2035% | 2,977 |
| Retained earnings to average equity (ytd only) | 0.6123% | 4,875 |
| Net charge-offs to loans | 1.2134% | 997 |
| Credit loss provision to net charge-offs | 131.9310% | 4,036 |
| Earnings coverage of net charge-offs (x) | 2.1374% | 5,003 |
| Efficiency ratio | 54.3885% | 7,234 |
| Assets per employee ($millions) | 4.3526% | 2,878 |
| Cash dividends to net income (ytd only)* | 92.5359% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 2,645 |
| Loan loss allowance to noncurrent loans | 101.5527% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 3,935 |
| Noncurrent loans to loans | 1.4839% | 3,579 |
| Net loans and leases to total assets | 75.1569% | 2,841 |
| Net loans and leases to deposits | 100.8633% | 1,733 |
| Net loans and leases to core deposits | 117.0524% | 3,001 |
| Total domestic deposits to total assets | 74.5136% | 6,551 |
| Equity capital to assets | 9.5330% | 4,634 |
| Core capital (leverage) ratio | 8.9867% | 4,761 |
| Tier 1 risk-based capital ratio | 10.9710% | 5,751 |
| Total risk-based capital ratio | 12.2237% | 5,656 |
| Memoranda: | ||
| Average total assets | $1,706,956,200 | 419 |
| Average earning assets | $1,576,226,200 | 404 |
| Average equity | $159,396,200 | 444 |
| Average total loans | $1,324,241,800 | 394 |