Home > Banc of California > Performance and Condition Ratios
Banc of California, Performance and Condition Ratios
| 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 | 5.2341% | 1,388 |
| Cost of funding earning assets | 1.7951% | 1,012 |
| Net interest margin | 3.4390% | 2,367 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 2.1234% | 3,291 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.2861% | 1,574 |
| Return on assets (ROA) | 1.2861% | 1,562 |
| Pretax return on assets | 1.7731% | 1,044 |
| Return on Equity (ROE) | 10.2300% | 2,576 |
| Retained earnings to average equity (ytd only) | 2.3809% | 3,654 |
| Net charge-offs to loans | 0.3907% | 221 |
| Credit loss provision to net charge-offs | 44.1979% | 1,921 |
| Earnings coverage of net charge-offs (x) | 6.4946% | 2,284 |
| Efficiency ratio | 52.3104% | 3,735 |
| Assets per employee ($millions) | 13.9984% | 245 |
| Cash dividends to net income (ytd only)* | 76.7342% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 3,027 |
| Loan loss allowance to noncurrent loans | 121.4590% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 849 |
| Noncurrent loans to loans | 0.8794% | 940 |
| Net loans and leases to total assets | 74.5800% | 1,286 |
| Net loans and leases to deposits | 103.0776% | 385 |
| Net loans and leases to core deposits | 131.2838% | 328 |
| Total domestic deposits to total assets | 72.3500% | 4,240 |
| Equity capital to assets | 13.1457% | 784 |
| Core capital (leverage) ratio | 12.4559% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3734% | 1,228 |
| Memoranda: | ||
| Average total assets | $9,456,901,250 | 167 |
| Average earning assets | $8,639,972,750 | 164 |
| Average equity | $1,188,548,250 | 149 |
| Average total loans | $7,075,926,500 | 160 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1112% | 1,349 |
| Cost of funding earning assets | 1.6745% | 923 |
| Net interest margin | 3.4366% | 2,426 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.0275% | 3,527 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9462% | 2,597 |
| Return on assets (ROA) | 0.9462% | 2,585 |
| Pretax return on assets | 1.3021% | 2,077 |
| Return on Equity (ROE) | 7.6400% | 3,336 |
| Retained earnings to average equity (ytd only) | -4.2234% | 4,397 |
| Net charge-offs to loans | 0.2598% | 320 |
| Credit loss provision to net charge-offs | 45.0601% | 1,693 |
| Earnings coverage of net charge-offs (x) | 7.1358% | 2,098 |
| Efficiency ratio | 58.8647% | 3,093 |
| Assets per employee ($millions) | 14.1446% | 230 |
| Cash dividends to net income (ytd only)* | 155.2657% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 2,792 |
| Loan loss allowance to noncurrent loans | 120.1721% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 706 |
| Noncurrent loans to loans | 0.9399% | 812 |
| Net loans and leases to total assets | 75.6100% | 1,093 |
| Net loans and leases to deposits | 102.2602% | 422 |
| Net loans and leases to core deposits | 130.3498% | 319 |
| Total domestic deposits to total assets | 73.9400% | 4,196 |
| Equity capital to assets | 12.3955% | 955 |
| Core capital (leverage) ratio | 11.5626% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6407% | 1,396 |
| Memoranda: | ||
| Average total assets | $9,529,563,000 | 163 |
| Average earning assets | $8,725,654,667 | 159 |
| Average equity | $1,179,891,667 | 149 |
| Average total loans | $7,112,937,333 | 154 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 1,501 |
| Cost of funding earning assets | 1.3725% | 1,087 |
| Net interest margin | 3.4799% | 2,420 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.0577% | 3,482 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9870% | 2,571 |
| Return on assets (ROA) | 0.9870% | 2,537 |
| Pretax return on assets | 1.3530% | 2,009 |
| Return on Equity (ROE) | 7.9800% | 3,295 |
| Retained earnings to average equity (ytd only) | 1.2506% | 3,832 |
| Net charge-offs to loans | 0.2201% | 334 |
| Credit loss provision to net charge-offs | 64.1026% | 1,266 |
| Earnings coverage of net charge-offs (x) | 8.8497% | 1,708 |
| Efficiency ratio | 58.3452% | 3,154 |
| Assets per employee ($millions) | 15.1790% | 198 |
| Cash dividends to net income (ytd only)* | 84.3206% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,563 |
| Loan loss allowance to noncurrent loans | 149.5446% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 915 |
| Noncurrent loans to loans | 0.8011% | 963 |
| Net loans and leases to total assets | 69.5100% | 1,672 |
| Net loans and leases to deposits | 99.8053% | 454 |
| Net loans and leases to core deposits | 125.1684% | 344 |
| Total domestic deposits to total assets | 69.6500% | 4,426 |
| Equity capital to assets | 11.8310% | 1,052 |
| Core capital (leverage) ratio | 12.1355% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9262% | 1,390 |
| Memoranda: | ||
| Average total assets | $9,612,485,000 | 167 |
| Average earning assets | $8,810,416,500 | 164 |
| Average equity | $1,189,498,000 | 150 |
| Average total loans | $7,089,069,500 | 160 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 1,018 |
| Cost of funding earning assets | 0.5077% | 1,331 |
| Net interest margin | 3.8104% | 1,141 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.0029% | 3,570 |
| Loan and lease loss provision to assets | -0.3400% | 4,676 |
| Net operating income to assets | 1.4837% | 919 |
| Return on assets (ROA) | 1.4191% | 1,042 |
| Pretax return on assets | 1.9932% | 482 |
| Return on Equity (ROE) | 11.0600% | 2,452 |
| Retained earnings to average equity (ytd only) | 0.6177% | 4,257 |
| Net charge-offs to loans | -0.3365% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.0339% | 3,881 |
| Assets per employee ($millions) | 13.4185% | 277 |
| Cash dividends to net income (ytd only)* | 94.4146% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,349 |
| Loan loss allowance to noncurrent loans | 155.5809% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 832 |
| Noncurrent loans to loans | 0.7761% | 958 |
| Net loans and leases to total assets | 76.5200% | 960 |
| Net loans and leases to deposits | 98.4134% | 500 |
| Net loans and leases to core deposits | 114.6219% | 469 |
| Total domestic deposits to total assets | 77.7500% | 4,115 |
| Equity capital to assets | 12.9678% | 713 |
| Core capital (leverage) ratio | 12.2523% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0220% | 1,368 |
| Memoranda: | ||
| Average total assets | $9,404,422,600 | 169 |
| Average earning assets | $8,628,397,000 | 164 |
| Average equity | $1,206,745,200 | 149 |
| Average total loans | $7,316,562,600 | 152 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1216% | 1,027 |
| Cost of funding earning assets | 0.3643% | 1,572 |
| Net interest margin | 3.7573% | 1,020 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.9840% | 3,522 |
| Loan and lease loss provision to assets | -0.4400% | 4,727 |
| Net operating income to assets | 1.5488% | 745 |
| Return on assets (ROA) | 1.5490% | 730 |
| Pretax return on assets | 2.1571% | 346 |
| Return on Equity (ROE) | 12.1000% | 2,001 |
| Retained earnings to average equity (ytd only) | 2.0790% | 4,012 |
| Net charge-offs to loans | -0.5829% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.2389% | 3,891 |
| Assets per employee ($millions) | 13.8260% | 245 |
| Cash dividends to net income (ytd only)* | 82.8221% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,185 |
| Loan loss allowance to noncurrent loans | 212.6492% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 1,165 |
| Noncurrent loans to loans | 0.5960% | 1,354 |
| Net loans and leases to total assets | 76.9300% | 808 |
| Net loans and leases to deposits | 98.6000% | 424 |
| Net loans and leases to core deposits | 109.5905% | 485 |
| Total domestic deposits to total assets | 78.0300% | 4,255 |
| Equity capital to assets | 12.7654% | 720 |
| Core capital (leverage) ratio | 12.1180% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6956% | 1,505 |
| Memoranda: | ||
| Average total assets | $9,457,616,750 | 168 |
| Average earning assets | $8,685,911,500 | 163 |
| Average equity | $1,210,443,750 | 149 |
| Average total loans | $7,365,857,000 | 151 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 1,016 |
| Cost of funding earning assets | 0.2559% | 2,184 |
| Net interest margin | 3.6972% | 914 |
| Noninterest income to average assets | 0.2203% | 3,880 |
| Noninterest expense to average assets | 1.8992% | 3,701 |
| Loan and lease loss provision to assets | -0.6647% | 4,757 |
| Net operating income to assets | 1.7225% | 405 |
| Return on assets (ROA) | 1.7228% | 400 |
| Pretax return on assets | 2.3878% | 193 |
| Return on Equity (ROE) | 13.4493% | 1,255 |
| Retained earnings to average equity (ytd only) | 2.5907% | 3,584 |
| Net charge-offs to loans | -0.8945% | 4,715 |
| Credit loss provision to net charge-offs | 96.3391% | 1,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9981% | 4,130 |
| Assets per employee ($millions) | 14.0392% | 233 |
| Cash dividends to net income (ytd only)* | 80.7369% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,394 |
| Loan loss allowance to noncurrent loans | 206.1611% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 1,187 |
| Noncurrent loans to loans | 0.6099% | 1,392 |
| Net loans and leases to total assets | 77.5010% | 593 |
| Net loans and leases to deposits | 97.1302% | 382 |
| Net loans and leases to core deposits | 105.3811% | 471 |
| Total domestic deposits to total assets | 79.7908% | 4,245 |
| Equity capital to assets | 12.5893% | 745 |
| Core capital (leverage) ratio | 12.2651% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5426% | 1,560 |
| Memoranda: | ||
| Average total assets | $9,490,082,667 | 167 |
| Average earning assets | $8,731,532,000 | 163 |
| Average equity | $1,215,635,333 | 148 |
| Average total loans | $7,389,912,333 | 146 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 984 |
| Cost of funding earning assets | 0.2087% | 2,685 |
| Net interest margin | 3.6521% | 817 |
| Noninterest income to average assets | 0.2335% | 3,747 |
| Noninterest expense to average assets | 1.9081% | 3,667 |
| Loan and lease loss provision to assets | -1.3305% | 4,791 |
| Net operating income to assets | 2.1725% | 167 |
| Return on assets (ROA) | 2.1731% | 167 |
| Pretax return on assets | 3.0169% | 105 |
| Return on Equity (ROE) | 16.8194% | 441 |
| Retained earnings to average equity (ytd only) | 11.5957% | 656 |
| Net charge-offs to loans | -1.7395% | 4,753 |
| Credit loss provision to net charge-offs | 97.9927% | 1,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5757% | 4,152 |
| Assets per employee ($millions) | 14.2757% | 235 |
| Cash dividends to net income (ytd only)* | 31.0577% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,600 |
| Loan loss allowance to noncurrent loans | 167.6787% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 1,017 |
| Noncurrent loans to loans | 0.7458% | 1,274 |
| Net loans and leases to total assets | 76.8529% | 452 |
| Net loans and leases to deposits | 98.0737% | 227 |
| Net loans and leases to core deposits | 101.7249% | 448 |
| Total domestic deposits to total assets | 78.3624% | 4,383 |
| Equity capital to assets | 12.8405% | 726 |
| Core capital (leverage) ratio | 12.3814% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6566% | 1,597 |
| Memoranda: | ||
| Average total assets | $9,482,870,500 | 167 |
| Average earning assets | $8,725,404,500 | 162 |
| Average equity | $1,225,179,500 | 150 |
| Average total loans | $7,354,929,500 | 147 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 1,828 |
| Cost of funding earning assets | 0.3193% | 2,205 |
| Net interest margin | 3.4977% | 1,740 |
| Noninterest income to average assets | 0.2171% | 4,064 |
| Noninterest expense to average assets | 2.1662% | 3,186 |
| Loan and lease loss provision to assets | 0.0826% | 1,489 |
| Net operating income to assets | 0.8543% | 3,172 |
| Return on assets (ROA) | 0.8543% | 3,240 |
| Pretax return on assets | 1.1877% | 2,703 |
| Return on Equity (ROE) | 6.7122% | 3,598 |
| Retained earnings to average equity (ytd only) | -0.6756% | 4,563 |
| Net charge-offs to loans | 0.1048% | 832 |
| Credit loss provision to net charge-offs | 67.8818% | 2,026 |
| Earnings coverage of net charge-offs (x) | 16.1406% | 1,985 |
| Efficiency ratio | 62.5862% | 2,780 |
| Assets per employee ($millions) | 13.8652% | 250 |
| Cash dividends to net income (ytd only)* | 110.0653% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,472 |
| Loan loss allowance to noncurrent loans | 175.7279% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5613% | 1,181 |
| Noncurrent loans to loans | 0.7262% | 1,401 |
| Net loans and leases to total assets | 76.3024% | 500 |
| Net loans and leases to deposits | 95.0122% | 347 |
| Net loans and leases to core deposits | 98.0151% | 613 |
| Total domestic deposits to total assets | 80.3080% | 4,188 |
| Equity capital to assets | 13.0010% | 899 |
| Core capital (leverage) ratio | 12.0635% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7052% | 1,614 |
| Memoranda: | ||
| Average total assets | $8,295,359,000 | 182 |
| Average earning assets | $7,635,444,800 | 177 |
| Average equity | $1,055,800,600 | 165 |
| Average total loans | $6,228,168,400 | 165 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 2,027 |
| Cost of funding earning assets | 0.3491% | 2,119 |
| Net interest margin | 3.4433% | 2,030 |
| Noninterest income to average assets | 0.2230% | 4,073 |
| Noninterest expense to average assets | 2.0490% | 3,526 |
| Loan and lease loss provision to assets | -0.0732% | 4,530 |
| Net operating income to assets | 1.0311% | 2,801 |
| Return on assets (ROA) | 1.0311% | 2,862 |
| Pretax return on assets | 1.4149% | 2,276 |
| Return on Equity (ROE) | 8.1522% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.4216% | 3,761 |
| Net charge-offs to loans | 0.0235% | 1,570 |
| Credit loss provision to net charge-offs | -613.4981% | 3,713 |
| Earnings coverage of net charge-offs (x) | 76.7405% | 1,005 |
| Efficiency ratio | 60.0158% | 2,980 |
| Assets per employee ($millions) | 13.8337% | 252 |
| Cash dividends to net income (ytd only)* | 58.0280% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 3,078 |
| Loan loss allowance to noncurrent loans | 158.7203% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 1,372 |
| Noncurrent loans to loans | 0.7433% | 1,508 |
| Net loans and leases to total assets | 74.4447% | 657 |
| Net loans and leases to deposits | 93.3384% | 438 |
| Net loans and leases to core deposits | 98.5481% | 641 |
| Total domestic deposits to total assets | 79.7579% | 4,262 |
| Equity capital to assets | 12.4419% | 1,201 |
| Core capital (leverage) ratio | 12.0828% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3112% | 1,537 |
| Memoranda: | ||
| Average total assets | $8,022,514,750 | 185 |
| Average earning assets | $7,380,524,000 | 182 |
| Average equity | $1,014,659,000 | 171 |
| Average total loans | $5,971,488,500 | 169 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 2,114 |
| Cost of funding earning assets | 0.3802% | 2,049 |
| Net interest margin | 3.4024% | 2,133 |
| Noninterest income to average assets | 0.2012% | 4,195 |
| Noninterest expense to average assets | 2.1333% | 3,291 |
| Loan and lease loss provision to assets | -0.0821% | 4,588 |
| Net operating income to assets | 0.9951% | 2,903 |
| Return on assets (ROA) | 0.9951% | 2,986 |
| Pretax return on assets | 1.2813% | 2,679 |
| Return on Equity (ROE) | 7.8234% | 3,448 |
| Retained earnings to average equity (ytd only) | 5.4467% | 3,018 |
| Net charge-offs to loans | 0.0427% | 1,210 |
| Credit loss provision to net charge-offs | -309.6338% | 3,327 |
| Earnings coverage of net charge-offs (x) | 37.9005% | 1,190 |
| Efficiency ratio | 63.5887% | 2,485 |
| Assets per employee ($millions) | 13.3059% | 266 |
| Cash dividends to net income (ytd only)* | 30.3797% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,596 |
| Loan loss allowance to noncurrent loans | 145.0734% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 1,188 |
| Noncurrent loans to loans | 0.8735% | 1,406 |
| Net loans and leases to total assets | 73.6896% | 790 |
| Net loans and leases to deposits | 94.6981% | 432 |
| Net loans and leases to core deposits | 100.4416% | 648 |
| Total domestic deposits to total assets | 77.8153% | 4,448 |
| Equity capital to assets | 12.8819% | 984 |
| Core capital (leverage) ratio | 12.5209% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2516% | 1,275 |
| Memoranda: | ||
| Average total assets | $7,939,171,000 | 185 |
| Average earning assets | $7,306,469,000 | 181 |
| Average equity | $1,009,790,000 | 170 |
| Average total loans | $5,884,652,333 | 171 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 2,170 |
| Cost of funding earning assets | 0.4075% | 2,037 |
| Net interest margin | 3.3682% | 2,192 |
| Noninterest income to average assets | 0.2068% | 4,142 |
| Noninterest expense to average assets | 2.2667% | 2,889 |
| Loan and lease loss provision to assets | -0.0561% | 4,660 |
| Net operating income to assets | 0.8031% | 3,414 |
| Return on assets (ROA) | 0.8031% | 3,484 |
| Pretax return on assets | 1.0943% | 3,128 |
| Return on Equity (ROE) | 6.3554% | 3,764 |
| Retained earnings to average equity (ytd only) | 1.5452% | 4,108 |
| Net charge-offs to loans | 0.0270% | 1,228 |
| Credit loss provision to net charge-offs | -326.7176% | 3,071 |
| Earnings coverage of net charge-offs (x) | 52.1578% | 877 |
| Efficiency ratio | 68.1523% | 1,915 |
| Assets per employee ($millions) | 13.1664% | 274 |
| Cash dividends to net income (ytd only)* | 75.6859% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 2,073 |
| Loan loss allowance to noncurrent loans | 140.2641% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.7138% | 1,301 |
| Noncurrent loans to loans | 0.9812% | 1,378 |
| Net loans and leases to total assets | 71.7429% | 1,061 |
| Net loans and leases to deposits | 91.8934% | 598 |
| Net loans and leases to core deposits | 98.4793% | 784 |
| Total domestic deposits to total assets | 78.0719% | 4,428 |
| Equity capital to assets | 12.6066% | 1,039 |
| Core capital (leverage) ratio | 12.1254% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8163% | 1,100 |
| Memoranda: | ||
| Average total assets | $7,897,032,500 | 185 |
| Average earning assets | $7,263,916,500 | 180 |
| Average equity | $997,897,000 | 170 |
| Average total loans | $5,832,813,500 | 174 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 2,465 |
| Cost of funding earning assets | 0.7859% | 1,270 |
| Net interest margin | 3.2988% | 3,069 |
| Noninterest income to average assets | 0.1705% | 4,432 |
| Noninterest expense to average assets | 2.4794% | 2,907 |
| Loan and lease loss provision to assets | 0.3787% | 853 |
| Net operating income to assets | 0.2435% | 4,508 |
| Return on assets (ROA) | 0.2639% | 4,549 |
| Pretax return on assets | 0.3619% | 4,465 |
| Return on Equity (ROE) | 2.1030% | 4,548 |
| Retained earnings to average equity (ytd only) | -1.6977% | 4,685 |
| Net charge-offs to loans | 0.2354% | 745 |
| Credit loss provision to net charge-offs | 215.9535% | 2,087 |
| Earnings coverage of net charge-offs (x) | 4.0754% | 3,032 |
| Efficiency ratio | 77.0121% | 1,121 |
| Assets per employee ($millions) | 12.8142% | 275 |
| Cash dividends to net income (ytd only)* | 180.7258% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,091 |
| Loan loss allowance to noncurrent loans | 217.3318% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 2,137 |
| Noncurrent loans to loans | 0.6320% | 2,112 |
| Net loans and leases to total assets | 73.9560% | 1,024 |
| Net loans and leases to deposits | 93.4915% | 687 |
| Net loans and leases to core deposits | 101.3323% | 842 |
| Total domestic deposits to total assets | 79.1045% | 4,191 |
| Equity capital to assets | 12.6664% | 1,252 |
| Core capital (leverage) ratio | 12.1905% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2663% | 1,198 |
| Memoranda: | ||
| Average total assets | $7,756,489,400 | 179 |
| Average earning assets | $7,109,298,400 | 175 |
| Average equity | $973,519,600 | 168 |
| Average total loans | $5,777,871,800 | 171 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 2,717 |
| Cost of funding earning assets | 0.8841% | 1,120 |
| Net interest margin | 3.2005% | 3,491 |
| Noninterest income to average assets | 0.1469% | 4,567 |
| Noninterest expense to average assets | 2.6075% | 2,515 |
| Loan and lease loss provision to assets | 0.4892% | 611 |
| Net operating income to assets | 0.0073% | 4,768 |
| Return on assets (ROA) | 0.0420% | 4,768 |
| Pretax return on assets | 0.0170% | 4,775 |
| Return on Equity (ROE) | 0.3353% | 4,767 |
| Retained earnings to average equity (ytd only) | -3.1090% | 4,779 |
| Net charge-offs to loans | 0.0624% | 1,712 |
| Credit loss provision to net charge-offs | 1,054.2751% | 798 |
| Earnings coverage of net charge-offs (x) | 10.1621% | 2,376 |
| Efficiency ratio | 84.0050% | 599 |
| Assets per employee ($millions) | 12.6025% | 288 |
| Cash dividends to net income (ytd only)* | 1,027.1159% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 1,101 |
| Loan loss allowance to noncurrent loans | 134.6369% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 1,324 |
| Noncurrent loans to loans | 1.1890% | 1,280 |
| Net loans and leases to total assets | 72.3457% | 1,613 |
| Net loans and leases to deposits | 91.8341% | 1,090 |
| Net loans and leases to core deposits | 101.2044% | 1,078 |
| Total domestic deposits to total assets | 78.7787% | 4,089 |
| Equity capital to assets | 12.7286% | 1,312 |
| Core capital (leverage) ratio | 12.2099% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1437% | 1,029 |
| Memoranda: | ||
| Average total assets | $7,728,634,250 | 177 |
| Average earning assets | $7,080,767,500 | 173 |
| Average equity | $967,755,000 | 166 |
| Average total loans | $5,747,385,250 | 170 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 2,884 |
| Cost of funding earning assets | 1.0031% | 976 |
| Net interest margin | 3.1564% | 3,775 |
| Noninterest income to average assets | 0.1264% | 4,671 |
| Noninterest expense to average assets | 2.9630% | 1,678 |
| Loan and lease loss provision to assets | 0.6787% | 419 |
| Net operating income to assets | -0.4931% | 4,916 |
| Return on assets (ROA) | -0.4520% | 4,907 |
| Pretax return on assets | -0.5709% | 4,910 |
| Return on Equity (ROE) | -3.6297% | 4,910 |
| Retained earnings to average equity (ytd only) | -8.8241% | 4,893 |
| Net charge-offs to loans | 0.0388% | 1,970 |
| Credit loss provision to net charge-offs | 2,346.1538% | 429 |
| Earnings coverage of net charge-offs (x) | 1.9267% | 2,816 |
| Efficiency ratio | 97.4166% | 217 |
| Assets per employee ($millions) | 12.6070% | 276 |
| Cash dividends to net income (ytd only)* | -143.1107% | 5,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 1,011 |
| Loan loss allowance to noncurrent loans | 114.6100% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 1,181 |
| Noncurrent loans to loans | 1.3962% | 1,109 |
| Net loans and leases to total assets | 71.6736% | 1,772 |
| Net loans and leases to deposits | 91.1212% | 1,246 |
| Net loans and leases to core deposits | 102.7239% | 1,082 |
| Total domestic deposits to total assets | 78.6575% | 4,085 |
| Equity capital to assets | 12.1995% | 1,539 |
| Core capital (leverage) ratio | 11.8448% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1703% | 1,020 |
| Memoranda: | ||
| Average total assets | $7,729,743,000 | 173 |
| Average earning assets | $7,082,889,667 | 171 |
| Average equity | $962,566,667 | 167 |
| Average total loans | $5,769,896,333 | 168 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 3,127 |
| Cost of funding earning assets | 1.1606% | 877 |
| Net interest margin | 3.0668% | 4,169 |
| Noninterest income to average assets | 0.0753% | 4,911 |
| Noninterest expense to average assets | 2.2235% | 3,950 |
| Loan and lease loss provision to assets | 0.7624% | 332 |
| Net operating income to assets | -0.0896% | 4,801 |
| Return on assets (ROA) | -0.0896% | 4,784 |
| Pretax return on assets | -0.1036% | 4,777 |
| Return on Equity (ROE) | -0.7123% | 4,786 |
| Retained earnings to average equity (ytd only) | -0.7123% | 4,103 |
| Net charge-offs to loans | 0.1184% | 994 |
| Credit loss provision to net charge-offs | 852.3175% | 639 |
| Earnings coverage of net charge-offs (x) | 7.3650% | 1,929 |
| Efficiency ratio | 76.3697% | 1,522 |
| Assets per employee ($millions) | 12.0218% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,788 |
| Loan loss allowance to noncurrent loans | 125.6593% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.8157% | 1,657 |
| Noncurrent loans to loans | 1.0947% | 1,518 |
| Net loans and leases to total assets | 73.4816% | 1,698 |
| Net loans and leases to deposits | 99.8917% | 564 |
| Net loans and leases to core deposits | 116.0256% | 586 |
| Total domestic deposits to total assets | 73.5613% | 4,685 |
| Equity capital to assets | 12.4084% | 1,791 |
| Core capital (leverage) ratio | 12.6741% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2117% | 1,109 |
| Memoranda: | ||
| Average total assets | $7,717,947,000 | 174 |
| Average earning assets | $7,064,517,000 | 171 |
| Average equity | $970,916,500 | 168 |
| Average total loans | $5,831,112,500 | 167 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 2,696 |
| Cost of funding earning assets | 1.5618% | 334 |
| Net interest margin | 3.0140% | 4,500 |
| Noninterest income to average assets | 0.1696% | 4,642 |
| Noninterest expense to average assets | 2.0597% | 4,425 |
| Loan and lease loss provision to assets | 0.3932% | 369 |
| Net operating income to assets | 0.4035% | 4,588 |
| Return on assets (ROA) | 0.3546% | 4,701 |
| Pretax return on assets | 0.4399% | 4,653 |
| Return on Equity (ROE) | 3.1481% | 4,640 |
| Retained earnings to average equity (ytd only) | -10.5183% | 5,069 |
| Net charge-offs to loans | 0.5845% | 317 |
| Credit loss provision to net charge-offs | 88.9006% | 2,668 |
| Earnings coverage of net charge-offs (x) | 2.0200% | 3,463 |
| Efficiency ratio | 68.9425% | 2,323 |
| Assets per employee ($millions) | 11.8753% | 233 |
| Cash dividends to net income (ytd only)* | 434.1124% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,672 |
| Loan loss allowance to noncurrent loans | 111.9876% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 1,935 |
| Noncurrent loans to loans | 0.8616% | 1,786 |
| Net loans and leases to total assets | 75.8373% | 1,443 |
| Net loans and leases to deposits | 107.5364% | 236 |
| Net loans and leases to core deposits | 121.4730% | 438 |
| Total domestic deposits to total assets | 70.5225% | 4,913 |
| Equity capital to assets | 12.7479% | 1,678 |
| Core capital (leverage) ratio | 12.0015% | 1,780 |
| Tier 1 risk-based capital ratio | 16.3874% | 2,262 |
| Total risk-based capital ratio | 17.4564% | 2,273 |
| Memoranda: | ||
| Average total assets | $9,253,641,600 | 150 |
| Average earning assets | $8,546,044,800 | 148 |
| Average equity | $1,042,456,800 | 159 |
| Average total loans | $7,001,976,600 | 143 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 2,694 |
| Cost of funding earning assets | 1.6314% | 264 |
| Net interest margin | 2.9779% | 4,652 |
| Noninterest income to average assets | 0.1566% | 4,765 |
| Noninterest expense to average assets | 1.9991% | 4,558 |
| Loan and lease loss provision to assets | 0.5416% | 222 |
| Net operating income to assets | 0.2921% | 4,851 |
| Return on assets (ROA) | 0.2309% | 4,940 |
| Pretax return on assets | 0.2920% | 4,912 |
| Return on Equity (ROE) | 2.1059% | 4,885 |
| Retained earnings to average equity (ytd only) | -15.9089% | 5,188 |
| Net charge-offs to loans | 0.7041% | 224 |
| Credit loss provision to net charge-offs | 101.9149% | 2,218 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 3,264 |
| Efficiency ratio | 67.8655% | 2,443 |
| Assets per employee ($millions) | 12.4080% | 191 |
| Cash dividends to net income (ytd only)* | 855.4521% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 3,672 |
| Loan loss allowance to noncurrent loans | 117.8986% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 2,144 |
| Noncurrent loans to loans | 0.8330% | 1,908 |
| Net loans and leases to total assets | 73.7813% | 1,856 |
| Net loans and leases to deposits | 108.3243% | 258 |
| Net loans and leases to core deposits | 124.9347% | 391 |
| Total domestic deposits to total assets | 68.1114% | 5,058 |
| Equity capital to assets | 11.3970% | 2,738 |
| Core capital (leverage) ratio | 10.7489% | 2,894 |
| Tier 1 risk-based capital ratio | 14.5963% | 3,026 |
| Total risk-based capital ratio | 15.6549% | 3,037 |
| Memoranda: | ||
| Average total assets | $9,616,534,750 | 146 |
| Average earning assets | $8,892,241,750 | 142 |
| Average equity | $1,054,421,250 | 159 |
| Average total loans | $7,258,839,000 | 142 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 2,652 |
| Cost of funding earning assets | 1.6620% | 221 |
| Net interest margin | 2.9459% | 4,762 |
| Noninterest income to average assets | 0.0556% | 5,150 |
| Noninterest expense to average assets | 2.0548% | 4,507 |
| Loan and lease loss provision to assets | 0.0105% | 3,540 |
| Net operating income to assets | 0.5680% | 4,390 |
| Return on assets (ROA) | 0.5713% | 4,418 |
| Pretax return on assets | 0.7526% | 4,212 |
| Return on Equity (ROE) | 5.2701% | 4,271 |
| Retained earnings to average equity (ytd only) | -4.7371% | 5,052 |
| Net charge-offs to loans | 0.0847% | 1,515 |
| Credit loss provision to net charge-offs | 16.4371% | 2,675 |
| Earnings coverage of net charge-offs (x) | 11.8287% | 2,183 |
| Efficiency ratio | 72.1401% | 1,901 |
| Assets per employee ($millions) | 13.3135% | 154 |
| Cash dividends to net income (ytd only)* | 189.8868% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 4,397 |
| Loan loss allowance to noncurrent loans | 168.3010% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 2,984 |
| Noncurrent loans to loans | 0.4833% | 2,834 |
| Net loans and leases to total assets | 77.5450% | 1,304 |
| Net loans and leases to deposits | 114.2416% | 140 |
| Net loans and leases to core deposits | 141.2170% | 185 |
| Total domestic deposits to total assets | 67.8781% | 5,109 |
| Equity capital to assets | 11.5004% | 2,605 |
| Core capital (leverage) ratio | 10.7989% | 2,793 |
| Tier 1 risk-based capital ratio | 15.7307% | 2,529 |
| Total risk-based capital ratio | 16.7044% | 2,563 |
| Memoranda: | ||
| Average total assets | $9,955,795,000 | 143 |
| Average earning assets | $9,321,102,330 | 137 |
| Average equity | $1,079,228,000 | 155 |
| Average total loans | $7,542,720,330 | 140 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 2,536 |
| Cost of funding earning assets | 1.6840% | 167 |
| Net interest margin | 2.9140% | 4,863 |
| Noninterest income to average assets | 0.2143% | 4,461 |
| Noninterest expense to average assets | 2.1413% | 4,389 |
| Loan and lease loss provision to assets | 0.0980% | 1,788 |
| Net operating income to assets | 0.5063% | 4,505 |
| Return on assets (ROA) | 0.5127% | 4,503 |
| Pretax return on assets | 0.7201% | 4,253 |
| Return on Equity (ROE) | 4.8652% | 4,359 |
| Retained earnings to average equity (ytd only) | -8.4600% | 5,047 |
| Net charge-offs to loans | 0.0428% | 1,663 |
| Credit loss provision to net charge-offs | 306.7155% | 810 |
| Earnings coverage of net charge-offs (x) | 25.3541% | 1,427 |
| Efficiency ratio | 71.7343% | 2,073 |
| Assets per employee ($millions) | 13.1372% | 160 |
| Cash dividends to net income (ytd only)* | 273.8892% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 4,377 |
| Loan loss allowance to noncurrent loans | 169.5192% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 3,047 |
| Noncurrent loans to loans | 0.4970% | 2,824 |
| Net loans and leases to total assets | 76.1049% | 1,461 |
| Net loans and leases to deposits | 96.7816% | 908 |
| Net loans and leases to core deposits | 137.0528% | 220 |
| Total domestic deposits to total assets | 78.6357% | 4,412 |
| Equity capital to assets | 10.8578% | 2,990 |
| Core capital (leverage) ratio | 10.0738% | 3,520 |
| Tier 1 risk-based capital ratio | 14.8141% | 2,954 |
| Total risk-based capital ratio | 15.7920% | 3,012 |
| Memoranda: | ||
| Average total assets | $10,253,981,500 | 136 |
| Average earning assets | $9,631,212,500 | 136 |
| Average equity | $1,080,658,000 | 155 |
| Average total loans | $7,655,435,000 | 138 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,925 |
| Cost of funding earning assets | 1.3100% | 206 |
| Net interest margin | 3.0409% | 4,747 |
| Noninterest income to average assets | 0.2127% | 4,635 |
| Noninterest expense to average assets | 2.0627% | 4,625 |
| Loan and lease loss provision to assets | 0.2916% | 558 |
| Net operating income to assets | 0.5801% | 4,468 |
| Return on assets (ROA) | 0.6302% | 4,343 |
| Pretax return on assets | 0.7639% | 4,259 |
| Return on Equity (ROE) | 5.8791% | 4,211 |
| Retained earnings to average equity (ytd only) | -2.6055% | 5,158 |
| Net charge-offs to loans | 0.2422% | 804 |
| Credit loss provision to net charge-offs | 174.0897% | 1,613 |
| Earnings coverage of net charge-offs (x) | 5.9793% | 3,135 |
| Efficiency ratio | 66.3714% | 2,804 |
| Assets per employee ($millions) | 14.4413% | 113 |
| Cash dividends to net income (ytd only)* | 144.3184% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 4,521 |
| Loan loss allowance to noncurrent loans | 188.9645% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 3,289 |
| Noncurrent loans to loans | 0.4259% | 3,011 |
| Net loans and leases to total assets | 72.1273% | 2,239 |
| Net loans and leases to deposits | 96.5468% | 1,021 |
| Net loans and leases to core deposits | 141.3750% | 191 |
| Total domestic deposits to total assets | 74.7071% | 4,901 |
| Equity capital to assets | 10.2425% | 3,430 |
| Core capital (leverage) ratio | 10.3597% | 3,191 |
| Tier 1 risk-based capital ratio | 14.7734% | 2,931 |
| Total risk-based capital ratio | 15.7105% | 2,989 |
| Memoranda: | ||
| Average total assets | $10,363,249,800 | 132 |
| Average earning assets | $9,717,582,800 | 128 |
| Average equity | $1,110,831,400 | 151 |
| Average total loans | $7,166,672,600 | 141 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 2,930 |
| Cost of funding earning assets | 1.2338% | 212 |
| Net interest margin | 3.0757% | 4,744 |
| Noninterest income to average assets | 0.1919% | 4,823 |
| Noninterest expense to average assets | 2.1090% | 4,528 |
| Loan and lease loss provision to assets | 0.3051% | 476 |
| Net operating income to assets | 0.5777% | 4,561 |
| Return on assets (ROA) | 0.6806% | 4,300 |
| Pretax return on assets | 0.7697% | 4,373 |
| Return on Equity (ROE) | 6.2772% | 4,176 |
| Retained earnings to average equity (ytd only) | 2.1346% | 4,527 |
| Net charge-offs to loans | 0.2868% | 581 |
| Credit loss provision to net charge-offs | 155.9055% | 1,655 |
| Earnings coverage of net charge-offs (x) | 4.9223% | 3,009 |
| Efficiency ratio | 67.6501% | 2,603 |
| Assets per employee ($millions) | 14.5840% | 108 |
| Cash dividends to net income (ytd only)* | 65.9944% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 4,642 |
| Loan loss allowance to noncurrent loans | 156.3704% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 3,208 |
| Noncurrent loans to loans | 0.5074% | 2,864 |
| Net loans and leases to total assets | 70.4722% | 2,569 |
| Net loans and leases to deposits | 97.0840% | 1,033 |
| Net loans and leases to core deposits | 131.7298% | 302 |
| Total domestic deposits to total assets | 72.5889% | 5,087 |
| Equity capital to assets | 10.5095% | 3,133 |
| Core capital (leverage) ratio | 10.2888% | 3,302 |
| Tier 1 risk-based capital ratio | 15.0407% | 2,866 |
| Total risk-based capital ratio | 15.9396% | 2,951 |
| Memoranda: | ||
| Average total assets | $10,296,855,750 | 130 |
| Average earning assets | $9,642,547,250 | 127 |
| Average equity | $1,116,375,250 | 151 |
| Average total loans | $7,026,221,000 | 140 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 3,032 |
| Cost of funding earning assets | 1.1404% | 240 |
| Net interest margin | 3.0856% | 4,758 |
| Noninterest income to average assets | 0.2014% | 4,815 |
| Noninterest expense to average assets | 2.1413% | 4,506 |
| Loan and lease loss provision to assets | 0.4297% | 272 |
| Net operating income to assets | 0.5065% | 4,738 |
| Return on assets (ROA) | 0.6581% | 4,329 |
| Pretax return on assets | 0.6717% | 4,583 |
| Return on Equity (ROE) | 6.0092% | 4,238 |
| Retained earnings to average equity (ytd only) | 6.0092% | 2,556 |
| Net charge-offs to loans | 0.4267% | 364 |
| Credit loss provision to net charge-offs | 149.6049% | 1,584 |
| Earnings coverage of net charge-offs (x) | 3.2995% | 2,889 |
| Efficiency ratio | 68.2741% | 2,597 |
| Assets per employee ($millions) | 14.0919% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 4,690 |
| Loan loss allowance to noncurrent loans | 166.9898% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,406 |
| Noncurrent loans to loans | 0.4797% | 2,999 |
| Net loans and leases to total assets | 68.1427% | 2,843 |
| Net loans and leases to deposits | 97.8367% | 980 |
| Net loans and leases to core deposits | 131.0768% | 312 |
| Total domestic deposits to total assets | 69.6494% | 5,286 |
| Equity capital to assets | 10.8612% | 2,773 |
| Core capital (leverage) ratio | 10.5834% | 2,941 |
| Tier 1 risk-based capital ratio | 15.7398% | 2,538 |
| Total risk-based capital ratio | 16.6284% | 2,627 |
| Memoranda: | ||
| Average total assets | $10,311,631,000 | 128 |
| Average earning assets | $9,649,591,670 | 126 |
| Average equity | $1,129,336,670 | 146 |
| Average total loans | $6,940,639,670 | 141 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 3,266 |
| Cost of funding earning assets | 1.0338% | 319 |
| Net interest margin | 3.0566% | 4,784 |
| Noninterest income to average assets | 0.1160% | 5,272 |
| Noninterest expense to average assets | 2.0201% | 4,807 |
| Loan and lease loss provision to assets | 0.7560% | 122 |
| Net operating income to assets | 0.3402% | 5,028 |
| Return on assets (ROA) | 0.6009% | 4,430 |
| Pretax return on assets | 0.4604% | 4,946 |
| Return on Equity (ROE) | 5.4642% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.4642% | 2,965 |
| Net charge-offs to loans | 0.8188% | 177 |
| Credit loss provision to net charge-offs | 138.5955% | 1,284 |
| Earnings coverage of net charge-offs (x) | 1.7520% | 2,524 |
| Efficiency ratio | 66.7865% | 3,035 |
| Assets per employee ($millions) | 13.3635% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 4,825 |
| Loan loss allowance to noncurrent loans | 123.5209% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 3,083 |
| Noncurrent loans to loans | 0.6351% | 2,637 |
| Net loans and leases to total assets | 67.1325% | 2,874 |
| Net loans and leases to deposits | 96.8023% | 953 |
| Net loans and leases to core deposits | 134.9362% | 273 |
| Total domestic deposits to total assets | 69.3501% | 5,382 |
| Equity capital to assets | 10.9084% | 2,672 |
| Core capital (leverage) ratio | 10.5022% | 2,937 |
| Tier 1 risk-based capital ratio | 15.6663% | 2,605 |
| Total risk-based capital ratio | 16.5312% | 2,684 |
| Memoranda: | ||
| Average total assets | $10,316,862,500 | 127 |
| Average earning assets | $9,652,483,500 | 127 |
| Average equity | $1,134,591,000 | 143 |
| Average total loans | $6,872,873,500 | 140 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 3,690 |
| Cost of funding earning assets | 0.7458% | 837 |
| Net interest margin | 3.1640% | 4,537 |
| Noninterest income to average assets | 0.2543% | 4,611 |
| Noninterest expense to average assets | 2.4881% | 3,824 |
| Loan and lease loss provision to assets | 0.1292% | 1,773 |
| Net operating income to assets | 0.5724% | 4,135 |
| Return on assets (ROA) | 0.7434% | 3,458 |
| Pretax return on assets | 0.7894% | 4,275 |
| Return on Equity (ROE) | 7.1063% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.1063% | 1,039 |
| Net charge-offs to loans | 0.0727% | 2,407 |
| Credit loss provision to net charge-offs | 285.3033% | 985 |
| Earnings coverage of net charge-offs (x) | 16.3248% | 2,187 |
| Efficiency ratio | 75.8482% | 1,640 |
| Assets per employee ($millions) | 14.0560% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 5,009 |
| Loan loss allowance to noncurrent loans | 47.2290% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 1,489 |
| Noncurrent loans to loans | 1.5440% | 1,094 |
| Net loans and leases to total assets | 65.0943% | 3,213 |
| Net loans and leases to deposits | 91.5786% | 1,583 |
| Net loans and leases to core deposits | 126.3170% | 426 |
| Total domestic deposits to total assets | 71.0803% | 5,359 |
| Equity capital to assets | 11.0865% | 2,552 |
| Core capital (leverage) ratio | 10.6718% | 2,675 |
| Tier 1 risk-based capital ratio | 15.7846% | 2,519 |
| Total risk-based capital ratio | 16.5614% | 2,634 |
| Memoranda: | ||
| Average total assets | $10,593,714,800 | 117 |
| Average earning assets | $9,954,154,000 | 115 |
| Average equity | $1,108,233,800 | 140 |
| Average total loans | $6,598,075,600 | 134 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 3,738 |
| Cost of funding earning assets | 0.6994% | 968 |
| Net interest margin | 3.1819% | 4,503 |
| Noninterest income to average assets | 0.3066% | 4,335 |
| Noninterest expense to average assets | 2.5299% | 3,626 |
| Loan and lease loss provision to assets | 0.1080% | 1,973 |
| Net operating income to assets | 0.6266% | 4,290 |
| Return on assets (ROA) | 0.8159% | 3,502 |
| Pretax return on assets | 0.8607% | 4,174 |
| Return on Equity (ROE) | 7.9141% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.9141% | 1,257 |
| Net charge-offs to loans | 0.0815% | 1,986 |
| Credit loss provision to net charge-offs | 215.5267% | 1,276 |
| Earnings coverage of net charge-offs (x) | 15.3774% | 2,232 |
| Efficiency ratio | 75.3724% | 1,682 |
| Assets per employee ($millions) | 14.2727% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 5,116 |
| Loan loss allowance to noncurrent loans | 56.5514% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 2,119 |
| Noncurrent loans to loans | 1.2579% | 1,520 |
| Net loans and leases to total assets | 61.2174% | 3,749 |
| Net loans and leases to deposits | 84.4357% | 2,502 |
| Net loans and leases to core deposits | 110.4247% | 999 |
| Total domestic deposits to total assets | 72.5018% | 5,347 |
| Equity capital to assets | 11.1866% | 2,688 |
| Core capital (leverage) ratio | 10.8789% | 2,570 |
| Tier 1 risk-based capital ratio | 15.6752% | 2,640 |
| Total risk-based capital ratio | 16.3887% | 2,793 |
| Memoranda: | ||
| Average total assets | $10,662,871,500 | 117 |
| Average earning assets | $10,031,705,750 | 114 |
| Average equity | $1,099,341,250 | 141 |
| Average total loans | $6,556,301,500 | 135 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8415% | 3,755 |
| Cost of funding earning assets | 0.6550% | 1,115 |
| Net interest margin | 3.1864% | 4,457 |
| Noninterest income to average assets | 0.2680% | 4,624 |
| Noninterest expense to average assets | 2.5237% | 3,677 |
| Loan and lease loss provision to assets | 0.0940% | 2,107 |
| Net operating income to assets | 0.6133% | 4,245 |
| Return on assets (ROA) | 0.7923% | 3,489 |
| Pretax return on assets | 0.8363% | 4,137 |
| Return on Equity (ROE) | 7.8981% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.8981% | 1,208 |
| Net charge-offs to loans | 0.0945% | 1,672 |
| Credit loss provision to net charge-offs | 161.9732% | 1,452 |
| Earnings coverage of net charge-offs (x) | 12.8573% | 2,163 |
| Efficiency ratio | 75.7705% | 1,755 |
| Assets per employee ($millions) | 12.7702% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 5,277 |
| Loan loss allowance to noncurrent loans | 54.3370% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 2,246 |
| Noncurrent loans to loans | 1.2196% | 1,599 |
| Net loans and leases to total assets | 61.3480% | 3,707 |
| Net loans and leases to deposits | 78.3911% | 3,078 |
| Net loans and leases to core deposits | 102.3148% | 1,485 |
| Total domestic deposits to total assets | 78.2588% | 4,778 |
| Equity capital to assets | 10.8660% | 2,952 |
| Core capital (leverage) ratio | 10.0518% | 3,474 |
| Tier 1 risk-based capital ratio | 15.4547% | 2,724 |
| Total risk-based capital ratio | 16.1251% | 2,911 |
| Memoranda: | ||
| Average total assets | $10,791,713,000 | 114 |
| Average earning assets | $10,167,008,330 | 112 |
| Average equity | $1,082,596,000 | 142 |
| Average total loans | $6,629,741,670 | 129 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 3,740 |
| Cost of funding earning assets | 0.5934% | 1,423 |
| Net interest margin | 3.2161% | 4,287 |
| Noninterest income to average assets | 0.3954% | 3,699 |
| Noninterest expense to average assets | 2.5021% | 3,796 |
| Loan and lease loss provision to assets | 0.0938% | 1,973 |
| Net operating income to assets | 0.5017% | 4,583 |
| Return on assets (ROA) | 0.8640% | 2,975 |
| Pretax return on assets | 1.2375% | 2,454 |
| Return on Equity (ROE) | 8.9633% | 2,441 |
| Retained earnings to average equity (ytd only) | 8.9633% | 1,097 |
| Net charge-offs to loans | 0.0173% | 2,442 |
| Credit loss provision to net charge-offs | 887.6289% | 359 |
| Earnings coverage of net charge-offs (x) | 87.4983% | 612 |
| Efficiency ratio | 71.4952% | 2,662 |
| Assets per employee ($millions) | 6.4288% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6327% | 5,426 |
| Loan loss allowance to noncurrent loans | 55.1489% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 2,466 |
| Noncurrent loans to loans | 1.1473% | 1,778 |
| Net loans and leases to total assets | 60.8380% | 3,694 |
| Net loans and leases to deposits | 76.9641% | 3,084 |
| Net loans and leases to core deposits | 106.9708% | 1,036 |
| Total domestic deposits to total assets | 79.0473% | 4,815 |
| Equity capital to assets | 9.8247% | 3,949 |
| Core capital (leverage) ratio | 9.4279% | 4,204 |
| Tier 1 risk-based capital ratio | 14.4759% | 3,215 |
| Total risk-based capital ratio | 15.1119% | 3,478 |
| Memoranda: | ||
| Average total assets | $11,009,242,000 | 113 |
| Average earning assets | $10,378,587,000 | 110 |
| Average equity | $1,061,216,500 | 143 |
| Average total loans | $6,746,621,000 | 130 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0572% | 2,997 |
| Cost of funding earning assets | 0.4932% | 2,140 |
| Net interest margin | 3.5640% | 3,209 |
| Noninterest income to average assets | 2.3156% | 281 |
| Noninterest expense to average assets | 3.8327% | 753 |
| Loan and lease loss provision to assets | 0.0525% | 3,337 |
| Net operating income to assets | 1.0402% | 2,186 |
| Return on assets (ROA) | 1.2278% | 1,505 |
| Pretax return on assets | 2.0945% | 404 |
| Return on Equity (ROE) | 12.9014% | 1,015 |
| Retained earnings to average equity (ytd only) | 12.9014% | 172 |
| Net charge-offs to loans | 0.0054% | 4,068 |
| Credit loss provision to net charge-offs | 1,464.1667% | 287 |
| Earnings coverage of net charge-offs (x) | 516.6000% | 161 |
| Efficiency ratio | 66.4278% | 3,524 |
| Assets per employee ($millions) | 6.1481% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6001% | 5,532 |
| Loan loss allowance to noncurrent loans | 56.7508% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 2,699 |
| Noncurrent loans to loans | 1.0575% | 1,962 |
| Net loans and leases to total assets | 60.9696% | 3,736 |
| Net loans and leases to deposits | 72.0230% | 3,708 |
| Net loans and leases to core deposits | 100.1849% | 1,605 |
| Total domestic deposits to total assets | 84.6530% | 3,189 |
| Equity capital to assets | 9.4532% | 4,320 |
| Core capital (leverage) ratio | 8.7058% | 5,067 |
| Tier 1 risk-based capital ratio | 14.1212% | 3,399 |
| Total risk-based capital ratio | 14.7261% | 3,681 |
| Memoranda: | ||
| Average total assets | $10,031,719,200 | 113 |
| Average earning assets | $9,488,364,400 | 112 |
| Average equity | $954,696,000 | 149 |
| Average total loans | $6,692,500,000 | 124 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 3,059 |
| Cost of funding earning assets | 0.4746% | 2,322 |
| Net interest margin | 3.5699% | 3,199 |
| Noninterest income to average assets | 2.0755% | 336 |
| Noninterest expense to average assets | 3.7979% | 748 |
| Loan and lease loss provision to assets | 0.0637% | 2,963 |
| Net operating income to assets | 0.9132% | 2,842 |
| Return on assets (ROA) | 1.1755% | 1,824 |
| Pretax return on assets | 2.0018% | 567 |
| Return on Equity (ROE) | 12.3289% | 1,218 |
| Retained earnings to average equity (ytd only) | 12.3289% | 265 |
| Net charge-offs to loans | -0.0004% | 4,412 |
| Credit loss provision to net charge-offs | -26,011.1111% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6852% | 3,099 |
| Assets per employee ($millions) | 6.4717% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5426% | 5,680 |
| Loan loss allowance to noncurrent loans | 44.9059% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 2,532 |
| Noncurrent loans to loans | 1.2082% | 1,856 |
| Net loans and leases to total assets | 65.9482% | 3,130 |
| Net loans and leases to deposits | 80.2129% | 2,935 |
| Net loans and leases to core deposits | 103.8749% | 1,351 |
| Total domestic deposits to total assets | 82.2164% | 3,873 |
| Equity capital to assets | 9.4875% | 4,672 |
| Core capital (leverage) ratio | 9.3114% | 4,448 |
| Tier 1 risk-based capital ratio | 13.8271% | 3,647 |
| Total risk-based capital ratio | 14.3756% | 3,991 |
| Memoranda: | ||
| Average total assets | $9,792,970,000 | 114 |
| Average earning assets | $9,266,952,750 | 111 |
| Average equity | $933,720,500 | 151 |
| Average total loans | $6,680,875,500 | 125 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 3,029 |
| Cost of funding earning assets | 0.4604% | 2,473 |
| Net interest margin | 3.5984% | 3,105 |
| Noninterest income to average assets | 1.7532% | 417 |
| Noninterest expense to average assets | 3.7936% | 773 |
| Loan and lease loss provision to assets | 0.0448% | 3,258 |
| Net operating income to assets | 0.7507% | 3,544 |
| Return on assets (ROA) | 1.1569% | 1,859 |
| Pretax return on assets | 1.9493% | 633 |
| Return on Equity (ROE) | 12.1102% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.1102% | 310 |
| Net charge-offs to loans | 0.0044% | 3,554 |
| Credit loss provision to net charge-offs | 1,492.8571% | 271 |
| Earnings coverage of net charge-offs (x) | 452.9071% | 150 |
| Efficiency ratio | 72.5211% | 2,584 |
| Assets per employee ($millions) | 5.9171% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5258% | 5,772 |
| Loan loss allowance to noncurrent loans | 43.7227% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 2,475 |
| Noncurrent loans to loans | 1.2025% | 1,919 |
| Net loans and leases to total assets | 69.8439% | 2,506 |
| Net loans and leases to deposits | 88.3079% | 1,950 |
| Net loans and leases to core deposits | 111.8180% | 823 |
| Total domestic deposits to total assets | 79.0914% | 4,762 |
| Equity capital to assets | 10.0722% | 4,135 |
| Core capital (leverage) ratio | 9.7037% | 3,924 |
| Tier 1 risk-based capital ratio | 14.3753% | 3,389 |
| Total risk-based capital ratio | 14.9579% | 3,692 |
| Memoranda: | ||
| Average total assets | $9,329,619,000 | 119 |
| Average earning assets | $8,814,340,000 | 116 |
| Average equity | $891,297,330 | 156 |
| Average total loans | $6,436,090,670 | 125 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 3,218 |
| Cost of funding earning assets | 0.4530% | 2,550 |
| Net interest margin | 3.5478% | 3,292 |
| Noninterest income to average assets | 1.5065% | 500 |
| Noninterest expense to average assets | 3.7719% | 812 |
| Loan and lease loss provision to assets | 0.0144% | 3,504 |
| Net operating income to assets | 0.6035% | 4,163 |
| Return on assets (ROA) | 1.0855% | 2,062 |
| Pretax return on assets | 1.8239% | 815 |
| Return on Equity (ROE) | 11.7249% | 1,396 |
| Retained earnings to average equity (ytd only) | 11.7249% | 547 |
| Net charge-offs to loans | 0.0006% | 3,088 |
| Credit loss provision to net charge-offs | 3,566.6667% | 118 |
| Earnings coverage of net charge-offs (x) | 2,688.2222% | 10 |
| Efficiency ratio | 76.4353% | 2,116 |
| Assets per employee ($millions) | 5.7576% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 5,797 |
| Loan loss allowance to noncurrent loans | 44.9247% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 0.8342% | 2,603 |
| Noncurrent loans to loans | 1.2612% | 1,921 |
| Net loans and leases to total assets | 65.5013% | 3,025 |
| Net loans and leases to deposits | 88.6587% | 1,742 |
| Net loans and leases to core deposits | 104.2830% | 1,172 |
| Total domestic deposits to total assets | 73.8803% | 5,617 |
| Equity capital to assets | 9.1788% | 5,012 |
| Core capital (leverage) ratio | 9.4392% | 4,295 |
| Tier 1 risk-based capital ratio | 13.4229% | 4,032 |
| Total risk-based capital ratio | 14.0252% | 4,323 |
| Memoranda: | ||
| Average total assets | $8,917,544,500 | 129 |
| Average earning assets | $8,422,230,500 | 121 |
| Average equity | $825,591,500 | 163 |
| Average total loans | $6,089,498,500 | 129 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 2,776 |
| Cost of funding earning assets | 0.4346% | 2,792 |
| Net interest margin | 3.7048% | 2,731 |
| Noninterest income to average assets | 3.0431% | 203 |
| Noninterest expense to average assets | 4.6418% | 372 |
| Loan and lease loss provision to assets | 0.1100% | 2,159 |
| Net operating income to assets | 1.0736% | 2,029 |
| Return on assets (ROA) | 1.1043% | 1,974 |
| Pretax return on assets | 1.8499% | 727 |
| Return on Equity (ROE) | 11.2909% | 1,512 |
| Retained earnings to average equity (ytd only) | 11.2909% | 311 |
| Net charge-offs to loans | 0.0265% | 3,701 |
| Credit loss provision to net charge-offs | 527.4718% | 622 |
| Earnings coverage of net charge-offs (x) | 91.6815% | 624 |
| Efficiency ratio | 69.4575% | 3,311 |
| Assets per employee ($millions) | 4.8909% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6071% | 5,790 |
| Loan loss allowance to noncurrent loans | 49.9101% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8782% | 2,471 |
| Noncurrent loans to loans | 1.2164% | 1,940 |
| Net loans and leases to total assets | 70.6694% | 2,270 |
| Net loans and leases to deposits | 90.0432% | 1,608 |
| Net loans and leases to core deposits | 112.0093% | 772 |
| Total domestic deposits to total assets | 78.4839% | 5,067 |
| Equity capital to assets | 9.3506% | 4,733 |
| Core capital (leverage) ratio | 9.6394% | 3,991 |
| Tier 1 risk-based capital ratio | 12.7862% | 4,462 |
| Total risk-based capital ratio | 13.4485% | 4,728 |
| Memoranda: | ||
| Average total assets | $6,790,126,200 | 158 |
| Average earning assets | $6,434,058,000 | 149 |
| Average equity | $664,120,000 | 174 |
| Average total loans | $5,341,468,200 | 140 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 2,591 |
| Cost of funding earning assets | 0.4408% | 2,789 |
| Net interest margin | 3.7539% | 2,545 |
| Noninterest income to average assets | 3.1862% | 197 |
| Noninterest expense to average assets | 4.7915% | 337 |
| Loan and lease loss provision to assets | 0.1288% | 1,759 |
| Net operating income to assets | 1.0781% | 2,103 |
| Return on assets (ROA) | 1.1013% | 2,080 |
| Pretax return on assets | 1.8677% | 770 |
| Return on Equity (ROE) | 11.1035% | 1,670 |
| Retained earnings to average equity (ytd only) | 11.1035% | 463 |
| Net charge-offs to loans | 0.0234% | 3,468 |
| Credit loss provision to net charge-offs | 678.5792% | 502 |
| Earnings coverage of net charge-offs (x) | 103.3103% | 605 |
| Efficiency ratio | 69.5093% | 3,291 |
| Assets per employee ($millions) | 4.5145% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6529% | 5,816 |
| Loan loss allowance to noncurrent loans | 56.2923% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8535% | 2,751 |
| Noncurrent loans to loans | 1.1599% | 2,201 |
| Net loans and leases to total assets | 73.0701% | 1,894 |
| Net loans and leases to deposits | 94.6672% | 1,122 |
| Net loans and leases to core deposits | 111.6741% | 781 |
| Total domestic deposits to total assets | 77.1863% | 5,315 |
| Equity capital to assets | 10.3049% | 3,809 |
| Core capital (leverage) ratio | 10.5282% | 3,013 |
| Tier 1 risk-based capital ratio | 14.1858% | 3,736 |
| Total risk-based capital ratio | 14.9282% | 3,967 |
| Memoranda: | ||
| Average total assets | $6,429,808,750 | 163 |
| Average earning assets | $6,107,087,250 | 157 |
| Average equity | $637,729,250 | 178 |
| Average total loans | $5,213,683,000 | 142 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,196 |
| Cost of funding earning assets | 0.4507% | 2,716 |
| Net interest margin | 3.8403% | 2,170 |
| Noninterest income to average assets | 3.4767% | 185 |
| Noninterest expense to average assets | 5.0173% | 288 |
| Loan and lease loss provision to assets | 0.1777% | 1,160 |
| Net operating income to assets | 1.1140% | 1,892 |
| Return on assets (ROA) | 1.1140% | 1,980 |
| Pretax return on assets | 1.9323% | 683 |
| Return on Equity (ROE) | 11.4059% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.4059% | 456 |
| Net charge-offs to loans | 0.0065% | 3,673 |
| Credit loss provision to net charge-offs | 3,277.8443% | 126 |
| Earnings coverage of net charge-offs (x) | 389.1257% | 177 |
| Efficiency ratio | 68.8696% | 3,516 |
| Assets per employee ($millions) | 4.1636% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6665% | 5,869 |
| Loan loss allowance to noncurrent loans | 59.9373% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 2,728 |
| Noncurrent loans to loans | 1.1120% | 2,435 |
| Net loans and leases to total assets | 80.6444% | 721 |
| Net loans and leases to deposits | 97.1410% | 865 |
| Net loans and leases to core deposits | 118.8531% | 500 |
| Total domestic deposits to total assets | 83.0179% | 3,952 |
| Equity capital to assets | 10.4264% | 3,523 |
| Core capital (leverage) ratio | 10.2599% | 3,270 |
| Tier 1 risk-based capital ratio | 14.0430% | 3,903 |
| Total risk-based capital ratio | 14.8647% | 4,081 |
| Memoranda: | ||
| Average total assets | $6,159,306,330 | 168 |
| Average earning assets | $5,855,095,000 | 159 |
| Average equity | $601,568,330 | 188 |
| Average total loans | $5,176,239,330 | 145 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 2,237 |
| Cost of funding earning assets | 0.4714% | 2,551 |
| Net interest margin | 3.7878% | 2,270 |
| Noninterest income to average assets | 2.9798% | 218 |
| Noninterest expense to average assets | 4.8723% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9681% | 2,403 |
| Return on assets (ROA) | 0.9680% | 2,539 |
| Pretax return on assets | 1.6962% | 1,060 |
| Return on Equity (ROE) | 10.2818% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.2818% | 858 |
| Net charge-offs to loans | 0.0105% | 2,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 189.2593% | 294 |
| Efficiency ratio | 72.6131% | 3,065 |
| Assets per employee ($millions) | 4.0256% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 6,099 |
| Loan loss allowance to noncurrent loans | 53.8174% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 2,826 |
| Noncurrent loans to loans | 1.0539% | 2,657 |
| Net loans and leases to total assets | 84.4666% | 283 |
| Net loans and leases to deposits | 105.4286% | 333 |
| Net loans and leases to core deposits | 132.7446% | 219 |
| Total domestic deposits to total assets | 80.1173% | 5,026 |
| Equity capital to assets | 9.8637% | 4,307 |
| Core capital (leverage) ratio | 9.4891% | 4,292 |
| Tier 1 risk-based capital ratio | 12.8586% | 4,686 |
| Total risk-based capital ratio | 13.5783% | 4,938 |
| Memoranda: | ||
| Average total assets | $6,024,645,000 | 168 |
| Average earning assets | $5,708,084,000 | 160 |
| Average equity | $567,214,500 | 193 |
| Average total loans | $5,154,801,000 | 143 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,178 |
| Cost of funding earning assets | 0.5872% | 1,884 |
| Net interest margin | 3.8265% | 2,522 |
| Noninterest income to average assets | 2.9286% | 197 |
| Noninterest expense to average assets | 5.4813% | 233 |
| Loan and lease loss provision to assets | 0.2091% | 1,196 |
| Net operating income to assets | 0.4916% | 4,842 |
| Return on assets (ROA) | 0.5084% | 4,863 |
| Pretax return on assets | 0.8837% | 3,952 |
| Return on Equity (ROE) | 5.1955% | 4,564 |
| Retained earnings to average equity (ytd only) | 5.1955% | 2,470 |
| Net charge-offs to loans | 0.0078% | 4,765 |
| Credit loss provision to net charge-offs | 3,127.5748% | 93 |
| Earnings coverage of net charge-offs (x) | 159.5216% | 339 |
| Efficiency ratio | 82.3113% | 1,628 |
| Assets per employee ($millions) | 4.1277% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5432% | 6,211 |
| Loan loss allowance to noncurrent loans | 58.7995% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8048% | 3,192 |
| Noncurrent loans to loans | 0.9238% | 3,007 |
| Net loans and leases to total assets | 85.8770% | 214 |
| Net loans and leases to deposits | 108.5134% | 282 |
| Net loans and leases to core deposits | 118.3039% | 453 |
| Total domestic deposits to total assets | 79.1395% | 5,221 |
| Equity capital to assets | 8.9733% | 5,321 |
| Core capital (leverage) ratio | 9.2028% | 4,678 |
| Tier 1 risk-based capital ratio | 11.3540% | 5,737 |
| Total risk-based capital ratio | 12.0678% | 5,913 |
| Memoranda: | ||
| Average total assets | $4,501,843,400 | 202 |
| Average earning assets | $4,258,001,200 | 193 |
| Average equity | $440,531,000 | 225 |
| Average total loans | $3,844,221,000 | 172 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5254% | 1,784 |
| Cost of funding earning assets | 0.6254% | 1,639 |
| Net interest margin | 3.9000% | 2,247 |
| Noninterest income to average assets | 3.1394% | 180 |
| Noninterest expense to average assets | 5.6314% | 216 |
| Loan and lease loss provision to assets | 0.2196% | 1,042 |
| Net operating income to assets | 0.9538% | 2,666 |
| Return on assets (ROA) | 0.9703% | 2,661 |
| Pretax return on assets | 0.9891% | 3,635 |
| Return on Equity (ROE) | 9.6286% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.6286% | 800 |
| Net charge-offs to loans | 0.0128% | 4,295 |
| Credit loss provision to net charge-offs | 2,010.9145% | 172 |
| Earnings coverage of net charge-offs (x) | 109.1472% | 548 |
| Efficiency ratio | 81.2234% | 1,722 |
| Assets per employee ($millions) | 3.6068% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6586% | 6,155 |
| Loan loss allowance to noncurrent loans | 52.2128% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 1.0805% | 2,796 |
| Noncurrent loans to loans | 1.2613% | 2,533 |
| Net loans and leases to total assets | 84.0551% | 334 |
| Net loans and leases to deposits | 102.9150% | 456 |
| Net loans and leases to core deposits | 106.9182% | 905 |
| Total domestic deposits to total assets | 81.6743% | 4,599 |
| Equity capital to assets | 10.3395% | 3,747 |
| Core capital (leverage) ratio | 9.7952% | 3,944 |
| Tier 1 risk-based capital ratio | 14.8047% | 3,703 |
| Total risk-based capital ratio | 15.7473% | 3,831 |
| Memoranda: | ||
| Average total assets | $4,139,270,000 | 212 |
| Average earning assets | $3,909,766,750 | 203 |
| Average equity | $417,137,500 | 229 |
| Average total loans | $3,520,417,750 | 181 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 1,666 |
| Cost of funding earning assets | 0.6365% | 1,612 |
| Net interest margin | 3.9152% | 2,096 |
| Noninterest income to average assets | 2.8369% | 199 |
| Noninterest expense to average assets | 5.5420% | 228 |
| Loan and lease loss provision to assets | 0.2015% | 1,190 |
| Net operating income to assets | 0.7781% | 3,437 |
| Return on assets (ROA) | 0.8036% | 3,413 |
| Pretax return on assets | 0.8167% | 4,208 |
| Return on Equity (ROE) | 8.0535% | 3,061 |
| Retained earnings to average equity (ytd only) | 8.0535% | 1,309 |
| Net charge-offs to loans | 0.0126% | 3,987 |
| Credit loss provision to net charge-offs | 1,877.6744% | 199 |
| Earnings coverage of net charge-offs (x) | 92.4465% | 588 |
| Efficiency ratio | 83.3771% | 1,585 |
| Assets per employee ($millions) | 3.6947% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6125% | 6,297 |
| Loan loss allowance to noncurrent loans | 39.6228% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 2,478 |
| Noncurrent loans to loans | 1.5457% | 2,242 |
| Net loans and leases to total assets | 83.7934% | 312 |
| Net loans and leases to deposits | 106.3421% | 293 |
| Net loans and leases to core deposits | 112.7418% | 577 |
| Total domestic deposits to total assets | 78.7960% | 5,500 |
| Equity capital to assets | 9.8172% | 4,326 |
| Core capital (leverage) ratio | 9.7180% | 4,012 |
| Tier 1 risk-based capital ratio | 13.7934% | 4,393 |
| Total risk-based capital ratio | 14.8750% | 4,447 |
| Memoranda: | ||
| Average total assets | $4,006,569,000 | 213 |
| Average earning assets | $3,783,570,670 | 206 |
| Average equity | $399,803,000 | 229 |
| Average total loans | $3,414,164,670 | 182 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 1,193 |
| Cost of funding earning assets | 0.6499% | 1,580 |
| Net interest margin | 4.0809% | 1,522 |
| Noninterest income to average assets | 2.4655% | 245 |
| Noninterest expense to average assets | 5.7173% | 216 |
| Loan and lease loss provision to assets | 0.2020% | 1,152 |
| Net operating income to assets | 0.3966% | 5,131 |
| Return on assets (ROA) | 0.4497% | 5,002 |
| Pretax return on assets | 0.4506% | 5,307 |
| Return on Equity (ROE) | 4.4648% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.4648% | 3,442 |
| Net charge-offs to loans | 0.0893% | 2,271 |
| Credit loss provision to net charge-offs | 263.8851% | 876 |
| Earnings coverage of net charge-offs (x) | 7.8304% | 2,088 |
| Efficiency ratio | 88.9517% | 1,132 |
| Assets per employee ($millions) | 3.3749% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 6,421 |
| Loan loss allowance to noncurrent loans | 44.6107% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 3,019 |
| Noncurrent loans to loans | 1.3222% | 2,822 |
| Net loans and leases to total assets | 83.8739% | 243 |
| Net loans and leases to deposits | 108.0262% | 192 |
| Net loans and leases to core deposits | 112.4373% | 507 |
| Total domestic deposits to total assets | 77.6422% | 5,881 |
| Equity capital to assets | 9.7331% | 4,190 |
| Core capital (leverage) ratio | 9.4077% | 4,412 |
| Tier 1 risk-based capital ratio | 13.4533% | 4,726 |
| Total risk-based capital ratio | 14.5233% | 4,775 |
| Memoranda: | ||
| Average total assets | $3,818,875,000 | 219 |
| Average earning assets | $3,604,044,000 | 210 |
| Average equity | $384,611,500 | 235 |
| Average total loans | $3,274,038,000 | 187 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 1,585 |
| Cost of funding earning assets | 0.6366% | 2,327 |
| Net interest margin | 4.0586% | 1,773 |
| Noninterest income to average assets | 3.5252% | 185 |
| Noninterest expense to average assets | 6.0739% | 195 |
| Loan and lease loss provision to assets | 0.2929% | 1,160 |
| Net operating income to assets | 0.7271% | 3,673 |
| Return on assets (ROA) | 0.7360% | 3,706 |
| Pretax return on assets | 1.0024% | 3,338 |
| Return on Equity (ROE) | 7.0539% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.0539% | 1,414 |
| Net charge-offs to loans | 0.0728% | 4,191 |
| Credit loss provision to net charge-offs | 493.3705% | 471 |
| Earnings coverage of net charge-offs (x) | 21.6115% | 1,483 |
| Efficiency ratio | 80.7030% | 2,056 |
| Assets per employee ($millions) | 2.6547% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 6,478 |
| Loan loss allowance to noncurrent loans | 38.8220% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 1.3387% | 2,746 |
| Noncurrent loans to loans | 1.5344% | 2,591 |
| Net loans and leases to total assets | 86.7258% | 126 |
| Net loans and leases to deposits | 106.4899% | 245 |
| Net loans and leases to core deposits | 112.7552% | 503 |
| Total domestic deposits to total assets | 81.4404% | 5,058 |
| Equity capital to assets | 10.4470% | 3,226 |
| Core capital (leverage) ratio | 9.5790% | 4,139 |
| Tier 1 risk-based capital ratio | 13.6027% | 4,580 |
| Total risk-based capital ratio | 14.6452% | 4,672 |
| Memoranda: | ||
| Average total assets | $2,718,419,400 | 278 |
| Average earning assets | $2,566,508,000 | 269 |
| Average equity | $283,642,800 | 289 |
| Average total loans | $2,217,937,400 | 232 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 2,663 |
| Cost of funding earning assets | 0.6658% | 2,214 |
| Net interest margin | 3.7113% | 2,987 |
| Noninterest income to average assets | 4.1044% | 171 |
| Noninterest expense to average assets | 6.6933% | 157 |
| Loan and lease loss provision to assets | 0.1891% | 1,938 |
| Net operating income to assets | 0.6399% | 4,179 |
| Return on assets (ROA) | 0.6550% | 4,225 |
| Pretax return on assets | 0.7736% | 4,404 |
| Return on Equity (ROE) | 6.6437% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.6437% | 2,062 |
| Net charge-offs to loans | 0.0810% | 3,796 |
| Credit loss provision to net charge-offs | 284.9741% | 891 |
| Earnings coverage of net charge-offs (x) | 14.2405% | 1,960 |
| Efficiency ratio | 87.4369% | 1,219 |
| Assets per employee ($millions) | 2.2340% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 6,445 |
| Loan loss allowance to noncurrent loans | 48.8505% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 3,237 |
| Noncurrent loans to loans | 1.4258% | 3,031 |
| Net loans and leases to total assets | 83.9964% | 249 |
| Net loans and leases to deposits | 93.6303% | 849 |
| Net loans and leases to core deposits | 97.5875% | 1,270 |
| Total domestic deposits to total assets | 89.7107% | 1,165 |
| Equity capital to assets | 8.1793% | 6,024 |
| Core capital (leverage) ratio | 8.1051% | 6,147 |
| Tier 1 risk-based capital ratio | 14.1412% | 4,328 |
| Total risk-based capital ratio | 15.3923% | 4,273 |
| Memoranda: | ||
| Average total assets | $1,938,952,750 | 366 |
| Average earning assets | $1,846,224,250 | 348 |
| Average equity | $191,153,500 | 401 |
| Average total loans | $1,589,151,500 | 298 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 1,844 |
| Cost of funding earning assets | 0.5911% | 3,025 |
| Net interest margin | 4.0122% | 1,814 |
| Noninterest income to average assets | 4.9319% | 147 |
| Noninterest expense to average assets | 6.9437% | 152 |
| Loan and lease loss provision to assets | 0.2397% | 1,551 |
| Net operating income to assets | 1.2674% | 1,413 |
| Return on assets (ROA) | 1.2971% | 1,417 |
| Pretax return on assets | 1.5842% | 1,411 |
| Return on Equity (ROE) | 12.0901% | 1,461 |
| Retained earnings to average equity (ytd only) | 12.0901% | 476 |
| Net charge-offs to loans | 0.1660% | 2,787 |
| Credit loss provision to net charge-offs | 179.1923% | 1,333 |
| Earnings coverage of net charge-offs (x) | 13.3626% | 1,907 |
| Efficiency ratio | 79.3301% | 2,254 |
| Assets per employee ($millions) | 2.2448% | 6,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 6,012 |
| Loan loss allowance to noncurrent loans | 51.6446% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.3639% | 3,060 |
| Noncurrent loans to loans | 1.8278% | 2,597 |
| Net loans and leases to total assets | 73.6323% | 1,309 |
| Net loans and leases to deposits | 84.1693% | 1,786 |
| Net loans and leases to core deposits | 86.9942% | 2,231 |
| Total domestic deposits to total assets | 87.4812% | 2,549 |
| Equity capital to assets | 10.1496% | 3,728 |
| Core capital (leverage) ratio | 10.0308% | 3,466 |
| Tier 1 risk-based capital ratio | 18.5228% | 2,133 |
| Total risk-based capital ratio | 19.7782% | 2,093 |
| Memoranda: | ||
| Average total assets | $1,702,842,330 | 406 |
| Average earning assets | $1,612,551,330 | 390 |
| Average equity | $182,695,330 | 419 |
| Average total loans | $1,372,462,000 | 330 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 2,903 |
| Cost of funding earning assets | 0.5018% | 4,068 |
| Net interest margin | 3.7955% | 2,467 |
| Noninterest income to average assets | 4.5117% | 168 |
| Noninterest expense to average assets | 6.6773% | 162 |
| Loan and lease loss provision to assets | 0.2930% | 1,196 |
| Net operating income to assets | 0.9695% | 2,352 |
| Return on assets (ROA) | 1.0399% | 2,181 |
| Pretax return on assets | 1.2054% | 2,547 |
| Return on Equity (ROE) | 9.3413% | 2,333 |
| Retained earnings to average equity (ytd only) | 9.3413% | 1,279 |
| Net charge-offs to loans | 0.1644% | 2,412 |
| Credit loss provision to net charge-offs | 209.6958% | 1,051 |
| Earnings coverage of net charge-offs (x) | 10.1388% | 1,773 |
| Efficiency ratio | 82.2591% | 2,009 |
| Assets per employee ($millions) | 2.2347% | 6,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 5,998 |
| Loan loss allowance to noncurrent loans | 46.9364% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.8865% | 2,492 |
| Noncurrent loans to loans | 2.1205% | 2,473 |
| Net loans and leases to total assets | 87.1269% | 90 |
| Net loans and leases to deposits | 100.7599% | 324 |
| Net loans and leases to core deposits | 123.6469% | 237 |
| Total domestic deposits to total assets | 86.4698% | 3,259 |
| Equity capital to assets | 10.6340% | 3,397 |
| Core capital (leverage) ratio | 10.4656% | 2,826 |
| Tier 1 risk-based capital ratio | 16.3975% | 3,062 |
| Total risk-based capital ratio | 17.6536% | 3,009 |
| Memoranda: | ||
| Average total assets | $1,505,946,500 | 458 |
| Average earning assets | $1,421,253,500 | 440 |
| Average equity | $167,642,500 | 457 |
| Average total loans | $1,279,437,000 | 345 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 4,093 |
| Cost of funding earning assets | 0.5382% | 4,928 |
| Net interest margin | 3.7902% | 3,270 |
| Noninterest income to average assets | 3.1027% | 243 |
| Noninterest expense to average assets | 5.0102% | 373 |
| Loan and lease loss provision to assets | 0.4123% | 1,558 |
| Net operating income to assets | 1.1696% | 1,695 |
| Return on assets (ROA) | 1.1628% | 1,884 |
| Pretax return on assets | 1.2110% | 2,764 |
| Return on Equity (ROE) | 9.6639% | 2,331 |
| Retained earnings to average equity (ytd only) | 9.6639% | 665 |
| Net charge-offs to loans | 0.1622% | 4,081 |
| Credit loss provision to net charge-offs | 319.3804% | 763 |
| Earnings coverage of net charge-offs (x) | 12.6295% | 1,906 |
| Efficiency ratio | 75.3091% | 2,861 |
| Assets per employee ($millions) | 2.4195% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 4,931 |
| Loan loss allowance to noncurrent loans | 47.8699% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 2.2599% | 2,172 |
| Noncurrent loans to loans | 2.5910% | 2,042 |
| Net loans and leases to total assets | 80.2998% | 442 |
| Net loans and leases to deposits | 97.9233% | 514 |
| Net loans and leases to core deposits | 114.1844% | 412 |
| Total domestic deposits to total assets | 82.0028% | 5,095 |
| Equity capital to assets | 11.7294% | 2,240 |
| Core capital (leverage) ratio | 11.1552% | 2,120 |
| Tier 1 risk-based capital ratio | 16.3364% | 2,976 |
| Total risk-based capital ratio | 17.5942% | 2,928 |
| Memoranda: | ||
| Average total assets | $1,175,151,000 | 560 |
| Average earning assets | $1,096,933,400 | 537 |
| Average equity | $141,402,800 | 516 |
| Average total loans | $935,251,400 | 444 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 4,514 |
| Cost of funding earning assets | 0.5578% | 5,016 |
| Net interest margin | 3.7257% | 3,675 |
| Noninterest income to average assets | 2.4671% | 317 |
| Noninterest expense to average assets | 4.1381% | 787 |
| Loan and lease loss provision to assets | 0.1992% | 3,089 |
| Net operating income to assets | 1.5949% | 855 |
| Return on assets (ROA) | 1.5850% | 979 |
| Pretax return on assets | 1.5919% | 1,604 |
| Return on Equity (ROE) | 13.0726% | 1,318 |
| Retained earnings to average equity (ytd only) | 13.0726% | 389 |
| Net charge-offs to loans | 0.0157% | 5,466 |
| Credit loss provision to net charge-offs | 1,602.8571% | 167 |
| Earnings coverage of net charge-offs (x) | 144.9202% | 309 |
| Efficiency ratio | 69.6046% | 3,768 |
| Assets per employee ($millions) | 2.4705% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,725 |
| Loan loss allowance to noncurrent loans | 47.4299% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 2.0875% | 2,548 |
| Noncurrent loans to loans | 2.3156% | 2,489 |
| Net loans and leases to total assets | 80.3651% | 478 |
| Net loans and leases to deposits | 100.0481% | 430 |
| Net loans and leases to core deposits | 117.7767% | 351 |
| Total domestic deposits to total assets | 80.3265% | 5,569 |
| Equity capital to assets | 11.7524% | 2,484 |
| Core capital (leverage) ratio | 11.2232% | 2,196 |
| Tier 1 risk-based capital ratio | 16.1546% | 3,188 |
| Total risk-based capital ratio | 17.4089% | 3,159 |
| Memoranda: | ||
| Average total assets | $1,126,585,250 | 585 |
| Average earning assets | $1,049,833,000 | 565 |
| Average equity | $136,597,500 | 530 |
| Average total loans | $890,702,500 | 461 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 4,804 |
| Cost of funding earning assets | 0.6103% | 4,808 |
| Net interest margin | 3.6301% | 4,141 |
| Noninterest income to average assets | 0.3146% | 5,304 |
| Noninterest expense to average assets | 3.2547% | 2,422 |
| Loan and lease loss provision to assets | 0.1845% | 3,261 |
| Net operating income to assets | 0.1727% | 5,998 |
| Return on assets (ROA) | 0.1636% | 6,187 |
| Pretax return on assets | 0.2396% | 6,075 |
| Return on Equity (ROE) | 1.3314% | 6,227 |
| Retained earnings to average equity (ytd only) | 1.3314% | 5,527 |
| Net charge-offs to loans | 0.0005% | 5,506 |
| Credit loss provision to net charge-offs | 48,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 1,150.5000% | 24 |
| Efficiency ratio | 88.1483% | 1,225 |
| Assets per employee ($millions) | 6.3725% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 4,601 |
| Loan loss allowance to noncurrent loans | 67.8379% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.8318% | 2,997 |
| Noncurrent loans to loans | 2.0078% | 2,943 |
| Net loans and leases to total assets | 75.2090% | 1,076 |
| Net loans and leases to deposits | 89.3951% | 1,207 |
| Net loans and leases to core deposits | 104.6733% | 811 |
| Total domestic deposits to total assets | 84.1310% | 4,262 |
| Equity capital to assets | 11.7960% | 2,319 |
| Core capital (leverage) ratio | 11.4400% | 1,939 |
| Tier 1 risk-based capital ratio | 16.6264% | 2,846 |
| Total risk-based capital ratio | 17.8800% | 2,796 |
| Memoranda: | ||
| Average total assets | $1,051,656,330 | 633 |
| Average earning assets | $978,542,670 | 607 |
| Average equity | $129,190,670 | 557 |
| Average total loans | $821,572,670 | 499 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 4,575 |
| Cost of funding earning assets | 0.6227% | 4,945 |
| Net interest margin | 3.7160% | 3,759 |
| Noninterest income to average assets | 0.3508% | 5,054 |
| Noninterest expense to average assets | 3.0557% | 3,064 |
| Loan and lease loss provision to assets | 0.2693% | 2,301 |
| Net operating income to assets | 0.3856% | 5,320 |
| Return on assets (ROA) | 0.3734% | 5,553 |
| Pretax return on assets | 0.4646% | 5,539 |
| Return on Equity (ROE) | 2.9760% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.9760% | 4,767 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3114% | 2,161 |
| Assets per employee ($millions) | 6.1393% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,882 |
| Loan loss allowance to noncurrent loans | 60.9115% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.3651% | 2,515 |
| Noncurrent loans to loans | 2.1851% | 2,929 |
| Net loans and leases to total assets | 77.5376% | 634 |
| Net loans and leases to deposits | 92.4088% | 768 |
| Net loans and leases to core deposits | 108.3682% | 595 |
| Total domestic deposits to total assets | 83.9071% | 4,538 |
| Equity capital to assets | 12.1336% | 1,951 |
| Core capital (leverage) ratio | 11.8098% | 1,707 |
| Tier 1 risk-based capital ratio | 17.0955% | 2,648 |
| Total risk-based capital ratio | 18.3492% | 2,607 |
| Memoranda: | ||
| Average total assets | $1,026,263,500 | 652 |
| Average earning assets | $953,934,000 | 629 |
| Average equity | $128,764,000 | 554 |
| Average total loans | $812,066,500 | 499 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 5,864 |
| Cost of funding earning assets | 0.7553% | 5,171 |
| Net interest margin | 3.5115% | 5,099 |
| Noninterest income to average assets | 0.0261% | 6,918 |
| Noninterest expense to average assets | 2.7037% | 4,729 |
| Loan and lease loss provision to assets | 0.6081% | 1,700 |
| Net operating income to assets | -0.0403% | 6,094 |
| Return on assets (ROA) | 0.2732% | 5,509 |
| Pretax return on assets | 0.3474% | 5,432 |
| Return on Equity (ROE) | 2.1776% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.1776% | 4,665 |
| Net charge-offs to loans | 0.9360% | 1,859 |
| Credit loss provision to net charge-offs | 81.6735% | 4,379 |
| Earnings coverage of net charge-offs (x) | 0.7502% | 5,243 |
| Efficiency ratio | 82.8796% | 1,902 |
| Assets per employee ($millions) | 7.2374% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 5,600 |
| Loan loss allowance to noncurrent loans | 55.3886% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.5035% | 2,426 |
| Noncurrent loans to loans | 2.0860% | 3,084 |
| Net loans and leases to total assets | 78.7988% | 630 |
| Net loans and leases to deposits | 93.2331% | 868 |
| Net loans and leases to core deposits | 108.8081% | 665 |
| Total domestic deposits to total assets | 84.5181% | 4,086 |
| Equity capital to assets | 12.9954% | 1,485 |
| Core capital (leverage) ratio | 13.0779% | 1,111 |
| Tier 1 risk-based capital ratio | 17.3394% | 2,450 |
| Total risk-based capital ratio | 18.5594% | 2,437 |
| Memoranda: | ||
| Average total assets | $886,110,000 | 739 |
| Average earning assets | $816,635,200 | 722 |
| Average equity | $111,175,400 | 622 |
| Average total loans | $704,811,200 | 585 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 5,674 |
| Cost of funding earning assets | 0.8070% | 5,103 |
| Net interest margin | 3.5727% | 4,882 |
| Noninterest income to average assets | -0.0427% | 7,152 |
| Noninterest expense to average assets | 2.5338% | 5,338 |
| Loan and lease loss provision to assets | 0.1972% | 4,050 |
| Net operating income to assets | 0.3430% | 5,239 |
| Return on assets (ROA) | 0.7075% | 3,742 |
| Pretax return on assets | 1.0568% | 3,182 |
| Return on Equity (ROE) | 5.6975% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.6975% | 2,746 |
| Net charge-offs to loans | 0.8821% | 1,810 |
| Credit loss provision to net charge-offs | 28.1174% | 5,439 |
| Earnings coverage of net charge-offs (x) | 1.0124% | 4,872 |
| Efficiency ratio | 78.1155% | 2,530 |
| Assets per employee ($millions) | 7.2719% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 6,276 |
| Loan loss allowance to noncurrent loans | 64.0939% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.2771% | 2,811 |
| Noncurrent loans to loans | 1.5579% | 3,953 |
| Net loans and leases to total assets | 76.5404% | 901 |
| Net loans and leases to deposits | 92.0868% | 1,004 |
| Net loans and leases to core deposits | 104.4664% | 954 |
| Total domestic deposits to total assets | 83.1176% | 4,632 |
| Equity capital to assets | 14.2860% | 1,058 |
| Core capital (leverage) ratio | 14.3317% | 809 |
| Tier 1 risk-based capital ratio | 19.6751% | 1,766 |
| Total risk-based capital ratio | 20.7343% | 1,789 |
| Memoranda: | ||
| Average total assets | $861,565,000 | 764 |
| Average earning assets | $792,510,750 | 752 |
| Average equity | $106,991,250 | 650 |
| Average total loans | $684,845,250 | 609 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 5,671 |
| Cost of funding earning assets | 0.8760% | 4,860 |
| Net interest margin | 3.5298% | 5,013 |
| Noninterest income to average assets | -0.0870% | 7,279 |
| Noninterest expense to average assets | 2.5104% | 5,490 |
| Loan and lease loss provision to assets | 0.1066% | 4,969 |
| Net operating income to assets | 0.3767% | 5,044 |
| Return on assets (ROA) | 0.7054% | 3,625 |
| Pretax return on assets | 1.0381% | 3,082 |
| Return on Equity (ROE) | 6.0039% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.0039% | 2,427 |
| Net charge-offs to loans | 1.0570% | 1,487 |
| Credit loss provision to net charge-offs | 12.5697% | 5,220 |
| Earnings coverage of net charge-offs (x) | 0.7795% | 4,716 |
| Efficiency ratio | 79.1471% | 2,531 |
| Assets per employee ($millions) | 7.0209% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 6,103 |
| Loan loss allowance to noncurrent loans | 41.8715% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 2.8937% | 2,326 |
| Noncurrent loans to loans | 2.5291% | 2,857 |
| Net loans and leases to total assets | 77.2157% | 882 |
| Net loans and leases to deposits | 91.3739% | 1,124 |
| Net loans and leases to core deposits | 101.3055% | 1,227 |
| Total domestic deposits to total assets | 84.5051% | 4,115 |
| Equity capital to assets | 11.6339% | 2,381 |
| Core capital (leverage) ratio | 11.5461% | 1,885 |
| Tier 1 risk-based capital ratio | 16.0315% | 2,963 |
| Total risk-based capital ratio | 17.1802% | 2,985 |
| Memoranda: | ||
| Average total assets | $845,759,000 | 787 |
| Average earning assets | $780,844,670 | 772 |
| Average equity | $99,369,330 | 693 |
| Average total loans | $678,875,000 | 622 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 4,864 |
| Cost of funding earning assets | 0.9482% | 4,582 |
| Net interest margin | 3.6706% | 4,246 |
| Noninterest income to average assets | -0.1228% | 7,393 |
| Noninterest expense to average assets | 2.7173% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3327% | 5,259 |
| Return on assets (ROA) | 0.9555% | 2,397 |
| Pretax return on assets | 1.5248% | 1,376 |
| Return on Equity (ROE) | 8.0915% | 2,867 |
| Retained earnings to average equity (ytd only) | 8.0915% | 1,698 |
| Net charge-offs to loans | 1.3068% | 1,058 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.5184% | 4,232 |
| Efficiency ratio | 83.1262% | 2,064 |
| Assets per employee ($millions) | 7.0043% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 5,668 |
| Loan loss allowance to noncurrent loans | 23.6617% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 4.6315% | 1,390 |
| Noncurrent loans to loans | 5.0454% | 1,331 |
| Net loans and leases to total assets | 81.9907% | 344 |
| Net loans and leases to deposits | 102.7065% | 358 |
| Net loans and leases to core deposits | 108.3354% | 826 |
| Total domestic deposits to total assets | 79.8301% | 5,986 |
| Equity capital to assets | 12.2216% | 1,780 |
| Core capital (leverage) ratio | 12.1152% | 1,501 |
| Tier 1 risk-based capital ratio | 16.0171% | 2,893 |
| Total risk-based capital ratio | 17.2671% | 2,867 |
| Memoranda: | ||
| Average total assets | $836,850,500 | 798 |
| Average earning assets | $773,288,500 | 788 |
| Average equity | $98,820,000 | 687 |
| Average total loans | $681,336,000 | 629 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 4,431 |
| Cost of funding earning assets | 1.3435% | 3,625 |
| Net interest margin | 3.6819% | 4,433 |
| Noninterest income to average assets | 0.0099% | 7,248 |
| Noninterest expense to average assets | 2.2360% | 6,526 |
| Loan and lease loss provision to assets | 1.0174% | 1,596 |
| Net operating income to assets | 0.1153% | 5,550 |
| Return on assets (ROA) | 0.1304% | 5,651 |
| Pretax return on assets | 0.1774% | 5,533 |
| Return on Equity (ROE) | 1.2989% | 5,624 |
| Retained earnings to average equity (ytd only) | 1.2989% | 4,899 |
| Net charge-offs to loans | 0.6689% | 3,008 |
| Credit loss provision to net charge-offs | 186.2549% | 1,755 |
| Earnings coverage of net charge-offs (x) | 2.1495% | 4,110 |
| Efficiency ratio | 65.5697% | 5,051 |
| Assets per employee ($millions) | 8.3612% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 4,054 |
| Loan loss allowance to noncurrent loans | 35.9291% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 4.2158% | 1,588 |
| Noncurrent loans to loans | 4.1540% | 1,744 |
| Net loans and leases to total assets | 78.7474% | 843 |
| Net loans and leases to deposits | 99.0191% | 642 |
| Net loans and leases to core deposits | 104.9805% | 1,256 |
| Total domestic deposits to total assets | 79.5275% | 5,962 |
| Equity capital to assets | 11.4189% | 2,332 |
| Core capital (leverage) ratio | 11.1400% | 2,057 |
| Tier 1 risk-based capital ratio | 14.9152% | 3,296 |
| Total risk-based capital ratio | 16.1652% | 3,249 |
| Memoranda: | ||
| Average total assets | $880,422,400 | 768 |
| Average earning assets | $813,048,000 | 746 |
| Average equity | $88,382,600 | 759 |
| Average total loans | $718,977,000 | 606 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 4,478 |
| Cost of funding earning assets | 1.4240% | 3,432 |
| Net interest margin | 3.6461% | 4,649 |
| Noninterest income to average assets | 0.0233% | 7,383 |
| Noninterest expense to average assets | 1.7344% | 7,408 |
| Loan and lease loss provision to assets | 1.2997% | 1,069 |
| Net operating income to assets | 0.2535% | 5,339 |
| Return on assets (ROA) | 0.2535% | 5,498 |
| Pretax return on assets | 0.3550% | 5,355 |
| Return on Equity (ROE) | 2.6125% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.6125% | 4,588 |
| Net charge-offs to loans | 0.7898% | 2,467 |
| Credit loss provision to net charge-offs | 200.4879% | 1,777 |
| Earnings coverage of net charge-offs (x) | 2.5525% | 3,884 |
| Efficiency ratio | 51.1755% | 7,056 |
| Assets per employee ($millions) | 8.7083% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 3,994 |
| Loan loss allowance to noncurrent loans | 27.3964% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 5.5588% | 1,104 |
| Noncurrent loans to loans | 5.4538% | 1,223 |
| Net loans and leases to total assets | 79.9283% | 762 |
| Net loans and leases to deposits | 99.0916% | 716 |
| Net loans and leases to core deposits | 105.9277% | 1,331 |
| Total domestic deposits to total assets | 80.6611% | 5,491 |
| Equity capital to assets | 10.1771% | 3,911 |
| Core capital (leverage) ratio | 9.7978% | 3,489 |
| Tier 1 risk-based capital ratio | 12.9025% | 4,652 |
| Total risk-based capital ratio | 14.1525% | 4,635 |
| Memoranda: | ||
| Average total assets | $885,227,250 | 760 |
| Average earning assets | $817,136,500 | 743 |
| Average equity | $85,893,250 | 773 |
| Average total loans | $726,608,750 | 600 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9673% | 5,097 |
| Cost of funding earning assets | 1.5046% | 3,233 |
| Net interest margin | 3.4627% | 5,393 |
| Noninterest income to average assets | -0.0822% | 7,617 |
| Noninterest expense to average assets | 1.7450% | 7,464 |
| Loan and lease loss provision to assets | 1.7578% | 706 |
| Net operating income to assets | -0.3163% | 6,493 |
| Return on assets (ROA) | -0.3163% | 6,536 |
| Pretax return on assets | -0.3870% | 6,503 |
| Return on Equity (ROE) | -3.3115% | 6,545 |
| Retained earnings to average equity (ytd only) | -3.3115% | 6,339 |
| Net charge-offs to loans | 0.9766% | 1,893 |
| Credit loss provision to net charge-offs | 218.4855% | 1,782 |
| Earnings coverage of net charge-offs (x) | 1.7038% | 4,229 |
| Efficiency ratio | 56.0060% | 6,636 |
| Assets per employee ($millions) | 8.7241% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 4,199 |
| Loan loss allowance to noncurrent loans | 23.0615% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 6.2815% | 917 |
| Noncurrent loans to loans | 6.2694% | 980 |
| Net loans and leases to total assets | 80.3234% | 754 |
| Net loans and leases to deposits | 102.0515% | 593 |
| Net loans and leases to core deposits | 109.2082% | 1,220 |
| Total domestic deposits to total assets | 78.7086% | 6,109 |
| Equity capital to assets | 9.6204% | 4,516 |
| Core capital (leverage) ratio | 9.2015% | 4,298 |
| Tier 1 risk-based capital ratio | 12.1250% | 5,190 |
| Total risk-based capital ratio | 13.3751% | 5,173 |
| Memoranda: | ||
| Average total assets | $892,929,330 | 754 |
| Average earning assets | $824,674,330 | 734 |
| Average equity | $85,278,000 | 768 |
| Average total loans | $735,634,670 | 595 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 4,765 |
| Cost of funding earning assets | 1.5448% | 3,305 |
| Net interest margin | 3.5095% | 5,115 |
| Noninterest income to average assets | -0.1099% | 7,761 |
| Noninterest expense to average assets | 1.5340% | 7,698 |
| Loan and lease loss provision to assets | 0.9853% | 1,261 |
| Net operating income to assets | 0.4294% | 4,715 |
| Return on assets (ROA) | 0.4294% | 4,850 |
| Pretax return on assets | 0.6172% | 4,541 |
| Return on Equity (ROE) | 4.5129% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.5129% | 3,450 |
| Net charge-offs to loans | 0.5739% | 2,370 |
| Credit loss provision to net charge-offs | 207.3034% | 1,797 |
| Earnings coverage of net charge-offs (x) | 3.3717% | 2,928 |
| Efficiency ratio | 48.9075% | 7,381 |
| Assets per employee ($millions) | 9.2216% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 6,514 |
| Loan loss allowance to noncurrent loans | 16.3534% | 7,168 |
| Noncurrent assets plus other real estate owned to assets | 6.1052% | 969 |
| Noncurrent loans to loans | 6.0602% | 1,081 |
| Net loans and leases to total assets | 80.4015% | 784 |
| Net loans and leases to deposits | 103.3478% | 571 |
| Net loans and leases to core deposits | 110.7388% | 1,233 |
| Total domestic deposits to total assets | 77.7970% | 6,370 |
| Equity capital to assets | 9.5499% | 4,452 |
| Core capital (leverage) ratio | 9.3327% | 3,994 |
| Tier 1 risk-based capital ratio | 12.4336% | 4,810 |
| Total risk-based capital ratio | 13.5084% | 4,907 |
| Memoranda: | ||
| Average total assets | $898,828,500 | 769 |
| Average earning assets | $831,457,500 | 742 |
| Average equity | $85,533,000 | 776 |
| Average total loans | $744,383,500 | 608 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6177% | 3,510 |
| Cost of funding earning assets | 2.1929% | 2,071 |
| Net interest margin | 3.4248% | 5,269 |
| Noninterest income to average assets | 0.0464% | 7,515 |
| Noninterest expense to average assets | 1.6007% | 7,769 |
| Loan and lease loss provision to assets | 1.9413% | 1,137 |
| Net operating income to assets | -0.1107% | 5,694 |
| Return on assets (ROA) | -0.1107% | 5,700 |
| Pretax return on assets | -0.3001% | 5,830 |
| Return on Equity (ROE) | -1.2336% | 5,727 |
| Retained earnings to average equity (ytd only) | -1.2336% | 5,323 |
| Net charge-offs to loans | 1.9274% | 1,286 |
| Credit loss provision to net charge-offs | 114.6798% | 4,772 |
| Earnings coverage of net charge-offs (x) | 0.9695% | 5,147 |
| Efficiency ratio | 49.3768% | 7,569 |
| Assets per employee ($millions) | 9.1219% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 6,910 |
| Loan loss allowance to noncurrent loans | 16.0525% | 7,208 |
| Noncurrent assets plus other real estate owned to assets | 5.3404% | 1,103 |
| Noncurrent loans to loans | 5.4390% | 1,199 |
| Net loans and leases to total assets | 83.7082% | 465 |
| Net loans and leases to deposits | 111.5421% | 330 |
| Net loans and leases to core deposits | 164.7023% | 291 |
| Total domestic deposits to total assets | 75.0462% | 6,855 |
| Equity capital to assets | 9.4818% | 4,436 |
| Core capital (leverage) ratio | 9.1833% | 4,147 |
| Tier 1 risk-based capital ratio | 12.1358% | 4,826 |
| Total risk-based capital ratio | 13.1134% | 5,030 |
| Memoranda: | ||
| Average total assets | $890,964,600 | 758 |
| Average earning assets | $831,321,600 | 738 |
| Average equity | $79,925,600 | 809 |
| Average total loans | $782,500,600 | 584 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7196% | 3,241 |
| Cost of funding earning assets | 2.3177% | 1,915 |
| Net interest margin | 3.4019% | 5,253 |
| Noninterest income to average assets | 0.1113% | 7,343 |
| Noninterest expense to average assets | 1.5635% | 7,857 |
| Loan and lease loss provision to assets | 1.8564% | 998 |
| Net operating income to assets | -0.0608% | 5,825 |
| Return on assets (ROA) | -0.0608% | 5,872 |
| Pretax return on assets | -0.1287% | 5,882 |
| Return on Equity (ROE) | -0.6877% | 5,884 |
| Retained earnings to average equity (ytd only) | -0.6877% | 5,403 |
| Net charge-offs to loans | 1.7854% | 1,132 |
| Credit loss provision to net charge-offs | 117.2548% | 4,340 |
| Earnings coverage of net charge-offs (x) | 1.0913% | 4,970 |
| Efficiency ratio | 47.5040% | 7,686 |
| Assets per employee ($millions) | 9.3174% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 7,113 |
| Loan loss allowance to noncurrent loans | 15.9384% | 7,287 |
| Noncurrent assets plus other real estate owned to assets | 4.9396% | 1,190 |
| Noncurrent loans to loans | 5.0255% | 1,306 |
| Net loans and leases to total assets | 85.8573% | 353 |
| Net loans and leases to deposits | 118.1271% | 238 |
| Net loans and leases to core deposits | 168.6665% | 282 |
| Total domestic deposits to total assets | 72.6822% | 7,125 |
| Equity capital to assets | 9.3686% | 4,927 |
| Core capital (leverage) ratio | 9.2738% | 4,226 |
| Tier 1 risk-based capital ratio | 12.2155% | 4,776 |
| Total risk-based capital ratio | 13.1296% | 5,014 |
| Memoranda: | ||
| Average total assets | $890,219,500 | 767 |
| Average earning assets | $832,133,750 | 747 |
| Average equity | $78,716,500 | 833 |
| Average total loans | $789,401,750 | 595 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8147% | 2,980 |
| Cost of funding earning assets | 2.4441% | 1,801 |
| Net interest margin | 3.3706% | 5,284 |
| Noninterest income to average assets | 0.0792% | 7,587 |
| Noninterest expense to average assets | 1.5977% | 7,911 |
| Loan and lease loss provision to assets | 2.1796% | 734 |
| Net operating income to assets | -0.4275% | 6,470 |
| Return on assets (ROA) | -0.4275% | 6,483 |
| Pretax return on assets | -0.5455% | 6,470 |
| Return on Equity (ROE) | -4.9336% | 6,598 |
| Retained earnings to average equity (ytd only) | -4.9336% | 6,289 |
| Net charge-offs to loans | 2.0053% | 922 |
| Credit loss provision to net charge-offs | 121.5918% | 3,819 |
| Earnings coverage of net charge-offs (x) | 0.9116% | 4,850 |
| Efficiency ratio | 49.4360% | 7,699 |
| Assets per employee ($millions) | 8.9362% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 7,238 |
| Loan loss allowance to noncurrent loans | 19.8302% | 7,138 |
| Noncurrent assets plus other real estate owned to assets | 4.3522% | 1,319 |
| Noncurrent loans to loans | 3.9035% | 1,740 |
| Net loans and leases to total assets | 87.4599% | 274 |
| Net loans and leases to deposits | 121.8171% | 205 |
| Net loans and leases to core deposits | 171.4699% | 306 |
| Total domestic deposits to total assets | 71.7961% | 7,264 |
| Equity capital to assets | 9.1732% | 5,060 |
| Core capital (leverage) ratio | 9.0733% | 4,507 |
| Tier 1 risk-based capital ratio | 11.8443% | 5,055 |
| Total risk-based capital ratio | 12.7359% | 5,311 |
| Memoranda: | ||
| Average total assets | $888,802,330 | 790 |
| Average earning assets | $831,308,670 | 762 |
| Average equity | $77,022,330 | 863 |
| Average total loans | $794,479,000 | 613 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8092% | 3,249 |
| Cost of funding earning assets | 2.5391% | 1,771 |
| Net interest margin | 3.2701% | 5,619 |
| Noninterest income to average assets | 0.1196% | 7,424 |
| Noninterest expense to average assets | 1.5280% | 7,965 |
| Loan and lease loss provision to assets | 3.1580% | 344 |
| Net operating income to assets | -1.1765% | 7,351 |
| Return on assets (ROA) | -1.1765% | 7,363 |
| Pretax return on assets | -1.5018% | 7,361 |
| Return on Equity (ROE) | -13.9886% | 7,564 |
| Retained earnings to average equity (ytd only) | -13.9886% | 7,379 |
| Net charge-offs to loans | 2.7297% | 483 |
| Credit loss provision to net charge-offs | 128.5216% | 3,115 |
| Earnings coverage of net charge-offs (x) | 0.6740% | 4,467 |
| Efficiency ratio | 47.9875% | 7,727 |
| Assets per employee ($millions) | 8.9626% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 7,282 |
| Loan loss allowance to noncurrent loans | 21.4715% | 7,091 |
| Noncurrent assets plus other real estate owned to assets | 3.8142% | 1,382 |
| Noncurrent loans to loans | 3.5452% | 1,788 |
| Net loans and leases to total assets | 88.3821% | 234 |
| Net loans and leases to deposits | 121.5998% | 256 |
| Net loans and leases to core deposits | 178.1909% | 253 |
| Total domestic deposits to total assets | 72.6828% | 7,104 |
| Equity capital to assets | 8.1661% | 6,577 |
| Core capital (leverage) ratio | 8.0912% | 6,308 |
| Tier 1 risk-based capital ratio | 10.6907% | 6,198 |
| Total risk-based capital ratio | 11.5871% | 6,480 |
| Memoranda: | ||
| Average total assets | $886,393,000 | 797 |
| Average earning assets | $830,688,000 | 764 |
| Average equity | $74,546,500 | 896 |
| Average total loans | $797,890,000 | 620 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9140% | 5,966 |
| Cost of funding earning assets | 2.9808% | 1,933 |
| Net interest margin | 2.9331% | 7,072 |
| Noninterest income to average assets | 0.2145% | 6,898 |
| Noninterest expense to average assets | 1.5768% | 7,984 |
| Loan and lease loss provision to assets | 1.6446% | 792 |
| Net operating income to assets | -0.0626% | 6,456 |
| Return on assets (ROA) | -0.0626% | 6,308 |
| Pretax return on assets | -0.2394% | 6,404 |
| Return on Equity (ROE) | -0.6700% | 6,320 |
| Retained earnings to average equity (ytd only) | -4.3709% | 6,394 |
| Net charge-offs to loans | 1.6937% | 653 |
| Credit loss provision to net charge-offs | 104.4004% | 5,121 |
| Earnings coverage of net charge-offs (x) | 0.8920% | 5,693 |
| Efficiency ratio | 52.8782% | 7,396 |
| Assets per employee ($millions) | 8.3478% | 414 |
| Cash dividends to net income (ytd only)* | -552.3256% | 8,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 7,736 |
| Loan loss allowance to noncurrent loans | 14.5780% | 7,409 |
| Noncurrent assets plus other real estate owned to assets | 3.5585% | 1,243 |
| Noncurrent loans to loans | 3.8909% | 1,270 |
| Net loans and leases to total assets | 90.4761% | 166 |
| Net loans and leases to deposits | 127.6988% | 243 |
| Net loans and leases to core deposits | 179.4276% | 293 |
| Total domestic deposits to total assets | 70.8512% | 7,179 |
| Equity capital to assets | 8.6595% | 5,861 |
| Core capital (leverage) ratio | 8.6378% | 5,309 |
| Tier 1 risk-based capital ratio | 11.4978% | 5,241 |
| Total risk-based capital ratio | 12.1850% | 5,699 |
| Memoranda: | ||
| Average total assets | $823,736,200 | 827 |
| Average earning assets | $777,229,600 | 796 |
| Average equity | $77,009,200 | 862 |
| Average total loans | $766,117,800 | 624 |