Home > Bangor Savings Bank > Performance and Condition Ratios
Bangor Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7262% | 4,253 |
| Cost of funding earning assets | 1.6282% | 1,612 |
| Net interest margin | 2.0980% | 4,373 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 2.6481% | 1,877 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 0.2973% | 4,029 |
| Return on assets (ROA) | 0.2458% | 4,112 |
| Pretax return on assets | 0.2309% | 4,165 |
| Return on Equity (ROE) | 4.9000% | 3,739 |
| Retained earnings to average equity (ytd only) | 4.4930% | 2,792 |
| Net charge-offs to loans | 0.0256% | 1,805 |
| Credit loss provision to net charge-offs | -349.7541% | 4,527 |
| Earnings coverage of net charge-offs (x) | 12.8557% | 2,126 |
| Efficiency ratio | 92.4553% | 353 |
| Assets per employee ($millions) | 6.9281% | 2,119 |
| Cash dividends to net income (ytd only)* | 8.2794% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6589% | 4,172 |
| Loan loss allowance to noncurrent loans | 864.2042% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 2,763 |
| Noncurrent loans to loans | 0.0762% | 3,175 |
| Net loans and leases to total assets | 66.0800% | 2,246 |
| Net loans and leases to deposits | 90.0247% | 1,261 |
| Net loans and leases to core deposits | 98.0137% | 1,543 |
| Total domestic deposits to total assets | 73.4000% | 4,140 |
| Equity capital to assets | 5.6236% | 4,313 |
| Core capital (leverage) ratio | 7.3720% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8012% | 2,628 |
| Memoranda: | ||
| Average total assets | $7,351,863,000 | 206 |
| Average earning assets | $6,651,266,000 | 203 |
| Average equity | $368,863,200 | 333 |
| Average total loans | $4,763,858,400 | 210 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 4,246 |
| Cost of funding earning assets | 1.5601% | 1,455 |
| Net interest margin | 2.1096% | 4,404 |
| Noninterest income to average assets | 0.9600% | 686 |
| Noninterest expense to average assets | 2.6367% | 1,837 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 0.2638% | 4,161 |
| Return on assets (ROA) | 0.1928% | 4,253 |
| Pretax return on assets | 0.2122% | 4,245 |
| Return on Equity (ROE) | 3.9600% | 3,988 |
| Retained earnings to average equity (ytd only) | 3.4042% | 3,414 |
| Net charge-offs to loans | 0.0449% | 1,249 |
| Credit loss provision to net charge-offs | -164.8090% | 4,542 |
| Earnings coverage of net charge-offs (x) | 8.1209% | 2,209 |
| Efficiency ratio | 91.7348% | 325 |
| Assets per employee ($millions) | 6.9147% | 2,025 |
| Cash dividends to net income (ytd only)* | 14.0311% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 4,159 |
| Loan loss allowance to noncurrent loans | 835.9363% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 2,768 |
| Noncurrent loans to loans | 0.0823% | 3,174 |
| Net loans and leases to total assets | 65.8300% | 2,259 |
| Net loans and leases to deposits | 86.4055% | 1,522 |
| Net loans and leases to core deposits | 95.1229% | 1,610 |
| Total domestic deposits to total assets | 76.1900% | 3,994 |
| Equity capital to assets | 4.6862% | 4,305 |
| Core capital (leverage) ratio | 7.2473% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6648% | 2,692 |
| Memoranda: | ||
| Average total assets | $7,374,675,500 | 206 |
| Average earning assets | $6,672,211,250 | 202 |
| Average equity | $359,001,250 | 344 |
| Average total loans | $4,747,478,750 | 214 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 4,262 |
| Cost of funding earning assets | 1.4682% | 1,304 |
| Net interest margin | 2.1216% | 4,452 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.6268% | 1,857 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.1819% | 4,302 |
| Return on assets (ROA) | 0.0746% | 4,412 |
| Pretax return on assets | 0.0599% | 4,417 |
| Return on Equity (ROE) | 1.5100% | 4,324 |
| Retained earnings to average equity (ytd only) | 1.5147% | 3,824 |
| Net charge-offs to loans | 0.0643% | 912 |
| Credit loss provision to net charge-offs | 150.4274% | 1,196 |
| Earnings coverage of net charge-offs (x) | 5.6989% | 2,157 |
| Efficiency ratio | 91.7205% | 304 |
| Assets per employee ($millions) | 6.9454% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 4,031 |
| Loan loss allowance to noncurrent loans | 1,095.9701% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 2,775 |
| Noncurrent loans to loans | 0.0728% | 3,174 |
| Net loans and leases to total assets | 63.5000% | 2,435 |
| Net loans and leases to deposits | 84.6762% | 1,609 |
| Net loans and leases to core deposits | 93.3593% | 1,605 |
| Total domestic deposits to total assets | 74.9900% | 4,119 |
| Equity capital to assets | 4.9257% | 4,392 |
| Core capital (leverage) ratio | 7.0718% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6689% | 2,715 |
| Memoranda: | ||
| Average total assets | $7,415,047,000 | 199 |
| Average earning assets | $6,727,000,000 | 196 |
| Average equity | $365,363,667 | 328 |
| Average total loans | $4,727,309,667 | 208 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4875% | 4,284 |
| Cost of funding earning assets | 1.2907% | 1,250 |
| Net interest margin | 2.1967% | 4,498 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 2.6761% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2783% | 4,276 |
| Return on assets (ROA) | 0.0728% | 4,424 |
| Pretax return on assets | 0.0584% | 4,426 |
| Return on Equity (ROE) | 1.4800% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.4767% | 3,786 |
| Net charge-offs to loans | 0.1246% | 522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 3.3290% | 1,888 |
| Efficiency ratio | 90.9141% | 329 |
| Assets per employee ($millions) | 7.0091% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7735% | 4,131 |
| Loan loss allowance to noncurrent loans | 1,374.7547% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 2,835 |
| Noncurrent loans to loans | 0.0563% | 3,337 |
| Net loans and leases to total assets | 63.0800% | 2,351 |
| Net loans and leases to deposits | 79.0840% | 1,888 |
| Net loans and leases to core deposits | 89.5586% | 1,643 |
| Total domestic deposits to total assets | 79.7600% | 3,792 |
| Equity capital to assets | 5.1238% | 4,402 |
| Core capital (leverage) ratio | 7.1276% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7861% | 2,788 |
| Memoranda: | ||
| Average total assets | $7,392,898,000 | 204 |
| Average earning assets | $6,710,871,000 | 199 |
| Average equity | $364,333,500 | 340 |
| Average total loans | $4,703,500,500 | 215 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0747% | 4,035 |
| Cost of funding earning assets | 0.4376% | 1,809 |
| Net interest margin | 2.6372% | 4,131 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 2.6303% | 1,734 |
| Loan and lease loss provision to assets | -0.1600% | 4,606 |
| Net operating income to assets | 0.7363% | 3,519 |
| Return on assets (ROA) | 0.7197% | 3,510 |
| Pretax return on assets | 0.8958% | 3,368 |
| Return on Equity (ROE) | 12.3800% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.2205% | 1,089 |
| Net charge-offs to loans | 0.0058% | 2,210 |
| Credit loss provision to net charge-offs | -4,674.7967% | 4,707 |
| Earnings coverage of net charge-offs (x) | 217.4390% | 615 |
| Efficiency ratio | 77.5828% | 879 |
| Assets per employee ($millions) | 7.0058% | 1,975 |
| Cash dividends to net income (ytd only)* | 17.4599% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8068% | 4,013 |
| Loan loss allowance to noncurrent loans | 669.9134% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 2,553 |
| Noncurrent loans to loans | 0.1204% | 2,920 |
| Net loans and leases to total assets | 63.1600% | 2,314 |
| Net loans and leases to deposits | 78.8443% | 1,863 |
| Net loans and leases to core deposits | 83.4678% | 1,905 |
| Total domestic deposits to total assets | 80.1100% | 3,866 |
| Equity capital to assets | 4.7317% | 4,428 |
| Core capital (leverage) ratio | 7.1210% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7664% | 2,799 |
| Memoranda: | ||
| Average total assets | $7,091,451,800 | 211 |
| Average earning assets | $6,464,205,000 | 206 |
| Average equity | $412,170,800 | 298 |
| Average total loans | $4,272,955,400 | 219 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9677% | 3,947 |
| Cost of funding earning assets | 0.2776% | 2,409 |
| Net interest margin | 2.6901% | 3,949 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 2.6581% | 1,570 |
| Loan and lease loss provision to assets | -0.1900% | 4,671 |
| Net operating income to assets | 0.8006% | 3,265 |
| Return on assets (ROA) | 0.7771% | 3,284 |
| Pretax return on assets | 0.9668% | 3,122 |
| Return on Equity (ROE) | 12.7500% | 1,788 |
| Retained earnings to average equity (ytd only) | 9.9714% | 1,345 |
| Net charge-offs to loans | 0.0086% | 1,817 |
| Credit loss provision to net charge-offs | -3,731.3433% | 4,747 |
| Earnings coverage of net charge-offs (x) | 158.3843% | 724 |
| Efficiency ratio | 76.5925% | 1,029 |
| Assets per employee ($millions) | 6.9500% | 1,985 |
| Cash dividends to net income (ytd only)* | 21.7788% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 3,933 |
| Loan loss allowance to noncurrent loans | 1,334.7119% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 2,904 |
| Noncurrent loans to loans | 0.0655% | 3,406 |
| Net loans and leases to total assets | 61.9000% | 2,303 |
| Net loans and leases to deposits | 76.0472% | 1,876 |
| Net loans and leases to core deposits | 78.6596% | 1,997 |
| Total domestic deposits to total assets | 81.4000% | 3,918 |
| Equity capital to assets | 4.4867% | 4,401 |
| Core capital (leverage) ratio | 7.1644% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9805% | 2,821 |
| Memoranda: | ||
| Average total assets | $7,020,029,500 | 212 |
| Average earning assets | $6,411,469,750 | 210 |
| Average equity | $427,948,000 | 291 |
| Average total loans | $4,166,863,250 | 222 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8877% | 3,816 |
| Cost of funding earning assets | 0.1758% | 3,235 |
| Net interest margin | 2.7119% | 3,679 |
| Noninterest income to average assets | 0.9292% | 789 |
| Noninterest expense to average assets | 2.6740% | 1,452 |
| Loan and lease loss provision to assets | -0.1437% | 4,643 |
| Net operating income to assets | 0.7072% | 3,290 |
| Return on assets (ROA) | 0.6837% | 3,317 |
| Pretax return on assets | 0.8512% | 3,202 |
| Return on Equity (ROE) | 10.2790% | 2,236 |
| Retained earnings to average equity (ytd only) | 10.2790% | 952 |
| Net charge-offs to loans | 0.0163% | 1,425 |
| Credit loss provision to net charge-offs | -1,515.1515% | 3,634 |
| Earnings coverage of net charge-offs (x) | 77.6758% | 946 |
| Efficiency ratio | 78.2523% | 1,071 |
| Assets per employee ($millions) | 6.6396% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,376 |
| Loan loss allowance to noncurrent loans | 1,348.5088% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 2,906 |
| Noncurrent loans to loans | 0.0779% | 3,396 |
| Net loans and leases to total assets | 59.2523% | 2,412 |
| Net loans and leases to deposits | 73.2469% | 1,937 |
| Net loans and leases to core deposits | 76.1862% | 2,000 |
| Total domestic deposits to total assets | 80.8940% | 4,142 |
| Equity capital to assets | 5.6807% | 4,308 |
| Core capital (leverage) ratio | 7.2604% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6357% | 2,641 |
| Memoranda: | ||
| Average total assets | $6,957,647,333 | 213 |
| Average earning assets | $6,366,971,667 | 214 |
| Average equity | $462,809,667 | 282 |
| Average total loans | $4,055,524,333 | 221 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8722% | 3,603 |
| Cost of funding earning assets | 0.1350% | 3,701 |
| Net interest margin | 2.7372% | 3,319 |
| Noninterest income to average assets | 0.9641% | 732 |
| Noninterest expense to average assets | 2.6970% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6257% | 3,312 |
| Return on assets (ROA) | 0.5993% | 3,378 |
| Pretax return on assets | 0.7482% | 3,255 |
| Return on Equity (ROE) | 8.3866% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.3866% | 1,457 |
| Net charge-offs to loans | 0.0183% | 1,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 74.1868% | 778 |
| Efficiency ratio | 77.3926% | 1,362 |
| Assets per employee ($millions) | 6.6920% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,633 |
| Loan loss allowance to noncurrent loans | 993.5918% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 2,811 |
| Noncurrent loans to loans | 0.1252% | 3,193 |
| Net loans and leases to total assets | 56.7628% | 2,445 |
| Net loans and leases to deposits | 68.1974% | 2,134 |
| Net loans and leases to core deposits | 71.1201% | 2,193 |
| Total domestic deposits to total assets | 83.2330% | 3,915 |
| Equity capital to assets | 6.4568% | 4,442 |
| Core capital (leverage) ratio | 7.2335% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1226% | 2,566 |
| Memoranda: | ||
| Average total assets | $6,914,268,500 | 216 |
| Average earning assets | $6,350,544,500 | 216 |
| Average equity | $494,124,000 | 275 |
| Average total loans | $3,974,078,000 | 223 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0731% | 3,740 |
| Cost of funding earning assets | 0.1593% | 3,876 |
| Net interest margin | 2.9139% | 3,414 |
| Noninterest income to average assets | 1.2280% | 706 |
| Noninterest expense to average assets | 2.9237% | 1,109 |
| Loan and lease loss provision to assets | 0.0542% | 1,972 |
| Net operating income to assets | 0.7407% | 3,517 |
| Return on assets (ROA) | 0.7398% | 3,578 |
| Pretax return on assets | 0.9206% | 3,455 |
| Return on Equity (ROE) | 8.9089% | 2,950 |
| Retained earnings to average equity (ytd only) | 8.9089% | 1,230 |
| Net charge-offs to loans | -0.0322% | 4,152 |
| Credit loss provision to net charge-offs | -278.4407% | 3,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8043% | 1,229 |
| Assets per employee ($millions) | 6.5303% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,626 |
| Loan loss allowance to noncurrent loans | 608.9549% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 2,633 |
| Noncurrent loans to loans | 0.2053% | 2,931 |
| Net loans and leases to total assets | 56.7569% | 2,508 |
| Net loans and leases to deposits | 69.5666% | 2,171 |
| Net loans and leases to core deposits | 71.1490% | 2,340 |
| Total domestic deposits to total assets | 81.5864% | 4,027 |
| Equity capital to assets | 7.8371% | 4,452 |
| Core capital (leverage) ratio | 7.1820% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1797% | 2,568 |
| Memoranda: | ||
| Average total assets | $6,462,196,000 | 219 |
| Average earning assets | $5,924,547,000 | 216 |
| Average equity | $536,653,400 | 262 |
| Average total loans | $3,904,318,200 | 224 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1385% | 3,726 |
| Cost of funding earning assets | 0.1676% | 3,947 |
| Net interest margin | 2.9709% | 3,382 |
| Noninterest income to average assets | 1.2784% | 712 |
| Noninterest expense to average assets | 3.0078% | 959 |
| Loan and lease loss provision to assets | 0.0735% | 1,574 |
| Net operating income to assets | 0.7380% | 3,678 |
| Return on assets (ROA) | 0.7381% | 3,742 |
| Pretax return on assets | 0.9160% | 3,658 |
| Return on Equity (ROE) | 8.7543% | 3,181 |
| Retained earnings to average equity (ytd only) | 8.7543% | 1,783 |
| Net charge-offs to loans | -0.0463% | 4,322 |
| Credit loss provision to net charge-offs | -259.0674% | 3,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0689% | 1,119 |
| Assets per employee ($millions) | 6.3962% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,589 |
| Loan loss allowance to noncurrent loans | 601.7544% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 2,827 |
| Noncurrent loans to loans | 0.2127% | 3,102 |
| Net loans and leases to total assets | 57.0662% | 2,604 |
| Net loans and leases to deposits | 70.0226% | 2,244 |
| Net loans and leases to core deposits | 71.6637% | 2,453 |
| Total domestic deposits to total assets | 81.4968% | 4,015 |
| Equity capital to assets | 8.0772% | 4,478 |
| Core capital (leverage) ratio | 7.3373% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3000% | 2,615 |
| Memoranda: | ||
| Average total assets | $6,350,482,250 | 222 |
| Average earning assets | $5,811,524,000 | 220 |
| Average equity | $535,449,500 | 261 |
| Average total loans | $3,887,647,250 | 226 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2170% | 3,638 |
| Cost of funding earning assets | 0.1806% | 3,938 |
| Net interest margin | 3.0365% | 3,221 |
| Noninterest income to average assets | 1.2975% | 690 |
| Noninterest expense to average assets | 3.1133% | 822 |
| Loan and lease loss provision to assets | 0.1124% | 1,127 |
| Net operating income to assets | 0.6824% | 3,800 |
| Return on assets (ROA) | 0.6831% | 3,866 |
| Pretax return on assets | 0.8453% | 3,782 |
| Return on Equity (ROE) | 7.9814% | 3,411 |
| Retained earnings to average equity (ytd only) | 7.9814% | 2,078 |
| Net charge-offs to loans | -0.0592% | 4,441 |
| Credit loss provision to net charge-offs | -304.0834% | 3,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3075% | 1,056 |
| Assets per employee ($millions) | 6.0240% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,531 |
| Loan loss allowance to noncurrent loans | 470.2041% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 2,737 |
| Noncurrent loans to loans | 0.2724% | 2,963 |
| Net loans and leases to total assets | 59.5118% | 2,480 |
| Net loans and leases to deposits | 73.3562% | 2,064 |
| Net loans and leases to core deposits | 75.9478% | 2,241 |
| Total domestic deposits to total assets | 81.1271% | 4,077 |
| Equity capital to assets | 8.4226% | 4,260 |
| Core capital (leverage) ratio | 7.3970% | 4,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3360% | 2,599 |
| Memoranda: | ||
| Average total assets | $6,226,519,000 | 224 |
| Average earning assets | $5,685,309,000 | 221 |
| Average equity | $532,939,333 | 260 |
| Average total loans | $3,888,217,667 | 227 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2548% | 3,561 |
| Cost of funding earning assets | 0.1998% | 3,914 |
| Net interest margin | 3.0550% | 3,118 |
| Noninterest income to average assets | 1.3459% | 720 |
| Noninterest expense to average assets | 3.2461% | 655 |
| Loan and lease loss provision to assets | 0.2283% | 500 |
| Net operating income to assets | 0.5527% | 4,063 |
| Return on assets (ROA) | 0.5512% | 4,113 |
| Pretax return on assets | 0.6562% | 4,100 |
| Return on Equity (ROE) | 6.3866% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.3866% | 2,767 |
| Net charge-offs to loans | 0.0017% | 1,865 |
| Credit loss provision to net charge-offs | 20,588.2353% | 23 |
| Earnings coverage of net charge-offs (x) | 799.1765% | 117 |
| Efficiency ratio | 78.3624% | 926 |
| Assets per employee ($millions) | 6.0259% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,801 |
| Loan loss allowance to noncurrent loans | 321.5102% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 2,909 |
| Noncurrent loans to loans | 0.3804% | 2,729 |
| Net loans and leases to total assets | 63.0063% | 2,170 |
| Net loans and leases to deposits | 78.4881% | 1,673 |
| Net loans and leases to core deposits | 81.7502% | 1,861 |
| Total domestic deposits to total assets | 80.2749% | 4,168 |
| Equity capital to assets | 8.3311% | 4,252 |
| Core capital (leverage) ratio | 7.4772% | 4,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2195% | 2,587 |
| Memoranda: | ||
| Average total assets | $6,132,004,000 | 227 |
| Average earning assets | $5,592,975,000 | 223 |
| Average equity | $529,229,500 | 258 |
| Average total loans | $3,898,554,000 | 228 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 4,049 |
| Cost of funding earning assets | 0.3723% | 3,754 |
| Net interest margin | 3.1164% | 3,591 |
| Noninterest income to average assets | 1.6685% | 450 |
| Noninterest expense to average assets | 3.2392% | 987 |
| Loan and lease loss provision to assets | 0.2982% | 1,262 |
| Net operating income to assets | 0.7755% | 3,180 |
| Return on assets (ROA) | 0.7770% | 3,305 |
| Pretax return on assets | 0.9629% | 3,169 |
| Return on Equity (ROE) | 8.0597% | 2,797 |
| Retained earnings to average equity (ytd only) | 1.0777% | 4,198 |
| Net charge-offs to loans | 0.1201% | 1,293 |
| Credit loss provision to net charge-offs | 366.4982% | 1,535 |
| Earnings coverage of net charge-offs (x) | 15.4761% | 2,171 |
| Efficiency ratio | 71.8088% | 1,700 |
| Assets per employee ($millions) | 5.9040% | 2,430 |
| Cash dividends to net income (ytd only)* | 86.6280% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 3,117 |
| Loan loss allowance to noncurrent loans | 280.5776% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 2,975 |
| Noncurrent loans to loans | 0.4164% | 2,733 |
| Net loans and leases to total assets | 62.6230% | 2,527 |
| Net loans and leases to deposits | 79.4998% | 1,926 |
| Net loans and leases to core deposits | 82.9804% | 2,121 |
| Total domestic deposits to total assets | 78.7713% | 4,225 |
| Equity capital to assets | 8.9369% | 4,112 |
| Core capital (leverage) ratio | 7.5560% | 4,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2476% | 2,530 |
| Memoranda: | ||
| Average total assets | $5,348,422,800 | 238 |
| Average earning assets | $4,856,946,600 | 239 |
| Average equity | $515,616,600 | 252 |
| Average total loans | $3,622,976,000 | 237 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 3,865 |
| Cost of funding earning assets | 0.4249% | 3,670 |
| Net interest margin | 3.2431% | 3,354 |
| Noninterest income to average assets | 1.6938% | 404 |
| Noninterest expense to average assets | 3.2581% | 971 |
| Loan and lease loss provision to assets | 0.3469% | 1,098 |
| Net operating income to assets | 0.8269% | 2,989 |
| Return on assets (ROA) | 0.8285% | 3,111 |
| Pretax return on assets | 1.0322% | 2,958 |
| Return on Equity (ROE) | 8.4139% | 2,641 |
| Retained earnings to average equity (ytd only) | 8.4139% | 1,168 |
| Net charge-offs to loans | 0.0055% | 2,946 |
| Credit loss provision to net charge-offs | 9,212.3288% | 130 |
| Earnings coverage of net charge-offs (x) | 365.7260% | 311 |
| Efficiency ratio | 70.0858% | 1,876 |
| Assets per employee ($millions) | 5.8099% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,695 |
| Loan loss allowance to noncurrent loans | 253.0690% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 2,819 |
| Noncurrent loans to loans | 0.4720% | 2,638 |
| Net loans and leases to total assets | 69.1743% | 2,082 |
| Net loans and leases to deposits | 90.0940% | 1,252 |
| Net loans and leases to core deposits | 94.3225% | 1,610 |
| Total domestic deposits to total assets | 76.7801% | 4,353 |
| Equity capital to assets | 9.5970% | 3,606 |
| Core capital (leverage) ratio | 8.3483% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1166% | 2,147 |
| Memoranda: | ||
| Average total assets | $5,169,680,250 | 242 |
| Average earning assets | $4,688,852,750 | 242 |
| Average equity | $509,050,250 | 252 |
| Average total loans | $3,568,228,750 | 236 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 3,757 |
| Cost of funding earning assets | 0.5071% | 3,487 |
| Net interest margin | 3.3364% | 3,288 |
| Noninterest income to average assets | 1.5387% | 435 |
| Noninterest expense to average assets | 3.2826% | 1,021 |
| Loan and lease loss provision to assets | 0.2562% | 1,652 |
| Net operating income to assets | 0.8215% | 2,967 |
| Return on assets (ROA) | 0.8234% | 3,080 |
| Pretax return on assets | 1.0225% | 2,957 |
| Return on Equity (ROE) | 8.2846% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.2846% | 1,227 |
| Net charge-offs to loans | -0.0024% | 3,850 |
| Credit loss provision to net charge-offs | -15,357.1429% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7843% | 1,717 |
| Assets per employee ($millions) | 5.5875% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,414 |
| Loan loss allowance to noncurrent loans | 214.7376% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 2,954 |
| Noncurrent loans to loans | 0.4793% | 2,712 |
| Net loans and leases to total assets | 69.7055% | 2,075 |
| Net loans and leases to deposits | 90.8128% | 1,281 |
| Net loans and leases to core deposits | 95.1866% | 1,643 |
| Total domestic deposits to total assets | 76.7574% | 4,349 |
| Equity capital to assets | 9.4994% | 3,663 |
| Core capital (leverage) ratio | 8.4083% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7974% | 2,273 |
| Memoranda: | ||
| Average total assets | $5,035,680,333 | 245 |
| Average earning assets | $4,558,558,667 | 243 |
| Average equity | $500,496,333 | 255 |
| Average total loans | $3,457,385,667 | 240 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 4,375 |
| Cost of funding earning assets | 0.6809% | 3,012 |
| Net interest margin | 3.0288% | 4,232 |
| Noninterest income to average assets | 1.4891% | 400 |
| Noninterest expense to average assets | 3.2269% | 1,374 |
| Loan and lease loss provision to assets | 0.0374% | 3,301 |
| Net operating income to assets | 0.7952% | 2,927 |
| Return on assets (ROA) | 0.7903% | 3,027 |
| Pretax return on assets | 0.9548% | 2,984 |
| Return on Equity (ROE) | 7.7555% | 2,615 |
| Retained earnings to average equity (ytd only) | 7.7555% | 1,304 |
| Net charge-offs to loans | -0.0090% | 4,036 |
| Credit loss provision to net charge-offs | -616.4384% | 3,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1214% | 1,553 |
| Assets per employee ($millions) | 5.3405% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,577 |
| Loan loss allowance to noncurrent loans | 330.1435% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 3,637 |
| Noncurrent loans to loans | 0.3104% | 3,384 |
| Net loans and leases to total assets | 66.8234% | 2,719 |
| Net loans and leases to deposits | 88.2693% | 1,728 |
| Net loans and leases to core deposits | 95.1817% | 1,868 |
| Total domestic deposits to total assets | 75.7040% | 4,515 |
| Equity capital to assets | 10.3327% | 3,485 |
| Core capital (leverage) ratio | 9.1455% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7563% | 2,372 |
| Memoranda: | ||
| Average total assets | $4,810,033,500 | 247 |
| Average earning assets | $4,345,116,500 | 246 |
| Average equity | $490,129,500 | 261 |
| Average total loans | $3,253,827,000 | 245 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 4,425 |
| Cost of funding earning assets | 0.8618% | 2,371 |
| Net interest margin | 3.0442% | 4,462 |
| Noninterest income to average assets | 1.3768% | 510 |
| Noninterest expense to average assets | 3.2123% | 1,496 |
| Loan and lease loss provision to assets | 0.0396% | 3,228 |
| Net operating income to assets | 0.7447% | 3,719 |
| Return on assets (ROA) | 0.7481% | 3,787 |
| Pretax return on assets | 0.8759% | 3,813 |
| Return on Equity (ROE) | 7.5247% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.5247% | 1,157 |
| Net charge-offs to loans | 0.0031% | 3,572 |
| Credit loss provision to net charge-offs | 1,855.6701% | 205 |
| Earnings coverage of net charge-offs (x) | 427.3196% | 217 |
| Efficiency ratio | 77.5858% | 1,195 |
| Assets per employee ($millions) | 5.2188% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,290 |
| Loan loss allowance to noncurrent loans | 374.8536% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 3,714 |
| Noncurrent loans to loans | 0.2768% | 3,451 |
| Net loans and leases to total assets | 67.0791% | 2,816 |
| Net loans and leases to deposits | 86.8071% | 1,995 |
| Net loans and leases to core deposits | 95.2130% | 1,966 |
| Total domestic deposits to total assets | 77.2737% | 4,462 |
| Equity capital to assets | 10.0422% | 3,880 |
| Core capital (leverage) ratio | 9.0596% | 4,480 |
| Tier 1 risk-based capital ratio | 12.6988% | 3,950 |
| Total risk-based capital ratio | 13.7249% | 3,962 |
| Memoranda: | ||
| Average total assets | $4,547,322,200 | 246 |
| Average earning assets | $4,103,477,400 | 242 |
| Average equity | $452,109,800 | 269 |
| Average total loans | $3,097,631,200 | 245 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 4,482 |
| Cost of funding earning assets | 0.8957% | 2,252 |
| Net interest margin | 3.0410% | 4,573 |
| Noninterest income to average assets | 1.3862% | 475 |
| Noninterest expense to average assets | 3.2443% | 1,383 |
| Loan and lease loss provision to assets | 0.0400% | 3,105 |
| Net operating income to assets | 0.7262% | 3,925 |
| Return on assets (ROA) | 0.7310% | 3,974 |
| Pretax return on assets | 0.8484% | 4,011 |
| Return on Equity (ROE) | 7.3715% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.3715% | 1,683 |
| Net charge-offs to loans | 0.0114% | 2,955 |
| Credit loss provision to net charge-offs | 515.2672% | 608 |
| Earnings coverage of net charge-offs (x) | 113.7534% | 678 |
| Efficiency ratio | 78.2881% | 1,070 |
| Assets per employee ($millions) | 5.0742% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,264 |
| Loan loss allowance to noncurrent loans | 379.0695% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 3,812 |
| Noncurrent loans to loans | 0.2780% | 3,542 |
| Net loans and leases to total assets | 66.7255% | 2,956 |
| Net loans and leases to deposits | 86.7119% | 2,105 |
| Net loans and leases to core deposits | 93.4711% | 2,224 |
| Total domestic deposits to total assets | 76.9508% | 4,518 |
| Equity capital to assets | 10.1974% | 3,827 |
| Core capital (leverage) ratio | 9.0768% | 4,577 |
| Tier 1 risk-based capital ratio | 12.6888% | 4,035 |
| Total risk-based capital ratio | 13.7188% | 4,044 |
| Memoranda: | ||
| Average total assets | $4,500,784,250 | 249 |
| Average earning assets | $4,056,728,250 | 246 |
| Average equity | $446,301,250 | 273 |
| Average total loans | $3,069,924,750 | 252 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 4,519 |
| Cost of funding earning assets | 0.9029% | 2,126 |
| Net interest margin | 3.0242% | 4,644 |
| Noninterest income to average assets | 1.2530% | 553 |
| Noninterest expense to average assets | 3.2153% | 1,475 |
| Loan and lease loss provision to assets | 0.0403% | 3,006 |
| Net operating income to assets | 0.6434% | 4,187 |
| Return on assets (ROA) | 0.6484% | 4,222 |
| Pretax return on assets | 0.7310% | 4,255 |
| Return on Equity (ROE) | 6.6030% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.6030% | 2,004 |
| Net charge-offs to loans | 0.0046% | 3,004 |
| Credit loss provision to net charge-offs | 1,285.7143% | 282 |
| Earnings coverage of net charge-offs (x) | 244.4143% | 333 |
| Efficiency ratio | 80.4238% | 935 |
| Assets per employee ($millions) | 4.9493% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,379 |
| Loan loss allowance to noncurrent loans | 395.4856% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 3,861 |
| Noncurrent loans to loans | 0.2636% | 3,585 |
| Net loans and leases to total assets | 67.6464% | 2,869 |
| Net loans and leases to deposits | 86.9348% | 2,139 |
| Net loans and leases to core deposits | 95.2018% | 2,139 |
| Total domestic deposits to total assets | 77.8129% | 4,434 |
| Equity capital to assets | 10.0160% | 3,961 |
| Core capital (leverage) ratio | 8.9394% | 4,683 |
| Tier 1 risk-based capital ratio | 12.4640% | 4,146 |
| Total risk-based capital ratio | 13.4940% | 4,141 |
| Memoranda: | ||
| Average total assets | $4,468,638,330 | 251 |
| Average earning assets | $4,031,205,330 | 248 |
| Average equity | $438,802,670 | 274 |
| Average total loans | $3,059,836,330 | 255 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 4,520 |
| Cost of funding earning assets | 0.8760% | 2,118 |
| Net interest margin | 3.0425% | 4,694 |
| Noninterest income to average assets | 1.1812% | 582 |
| Noninterest expense to average assets | 3.1939% | 1,509 |
| Loan and lease loss provision to assets | 0.0406% | 2,814 |
| Net operating income to assets | 0.6415% | 4,117 |
| Return on assets (ROA) | 0.6421% | 4,152 |
| Pretax return on assets | 0.6935% | 4,314 |
| Return on Equity (ROE) | 6.6065% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.6065% | 2,194 |
| Net charge-offs to loans | 0.0144% | 2,192 |
| Credit loss provision to net charge-offs | 412.8440% | 679 |
| Earnings coverage of net charge-offs (x) | 74.5046% | 808 |
| Efficiency ratio | 80.9654% | 971 |
| Assets per employee ($millions) | 4.9913% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,402 |
| Loan loss allowance to noncurrent loans | 365.9560% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 3,820 |
| Noncurrent loans to loans | 0.2870% | 3,532 |
| Net loans and leases to total assets | 67.6337% | 2,813 |
| Net loans and leases to deposits | 86.7496% | 2,032 |
| Net loans and leases to core deposits | 94.9388% | 2,035 |
| Total domestic deposits to total assets | 77.9643% | 4,521 |
| Equity capital to assets | 9.8521% | 3,968 |
| Core capital (leverage) ratio | 8.8982% | 4,723 |
| Tier 1 risk-based capital ratio | 12.4761% | 4,189 |
| Total risk-based capital ratio | 13.5113% | 4,184 |
| Memoranda: | ||
| Average total assets | $4,428,775,000 | 253 |
| Average earning assets | $3,997,514,000 | 251 |
| Average equity | $430,422,500 | 276 |
| Average total loans | $3,035,144,500 | 256 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 4,444 |
| Cost of funding earning assets | 0.6252% | 2,550 |
| Net interest margin | 3.1942% | 4,499 |
| Noninterest income to average assets | 1.3424% | 505 |
| Noninterest expense to average assets | 3.2203% | 1,503 |
| Loan and lease loss provision to assets | 0.0364% | 3,469 |
| Net operating income to assets | 0.7899% | 3,839 |
| Return on assets (ROA) | 0.7903% | 3,842 |
| Pretax return on assets | 0.9923% | 3,631 |
| Return on Equity (ROE) | 8.0348% | 3,421 |
| Retained earnings to average equity (ytd only) | -4.5628% | 5,232 |
| Net charge-offs to loans | 0.0225% | 2,969 |
| Credit loss provision to net charge-offs | 232.5581% | 1,271 |
| Earnings coverage of net charge-offs (x) | 65.6574% | 971 |
| Efficiency ratio | 75.5099% | 1,426 |
| Assets per employee ($millions) | 4.9890% | 2,520 |
| Cash dividends to net income (ytd only)* | 156.7886% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,435 |
| Loan loss allowance to noncurrent loans | 374.7627% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 3,850 |
| Noncurrent loans to loans | 0.2781% | 3,569 |
| Net loans and leases to total assets | 67.9985% | 2,883 |
| Net loans and leases to deposits | 86.4665% | 2,220 |
| Net loans and leases to core deposits | 95.1767% | 2,118 |
| Total domestic deposits to total assets | 78.6414% | 4,386 |
| Equity capital to assets | 9.5843% | 4,060 |
| Core capital (leverage) ratio | 8.8073% | 4,805 |
| Tier 1 risk-based capital ratio | 12.3676% | 4,201 |
| Total risk-based capital ratio | 13.4003% | 4,214 |
| Memoranda: | ||
| Average total assets | $4,118,420,800 | 260 |
| Average earning assets | $3,746,983,600 | 260 |
| Average equity | $405,077,600 | 277 |
| Average total loans | $2,862,173,200 | 263 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 4,495 |
| Cost of funding earning assets | 0.5779% | 2,648 |
| Net interest margin | 3.1968% | 4,518 |
| Noninterest income to average assets | 1.3394% | 527 |
| Noninterest expense to average assets | 3.2588% | 1,393 |
| Loan and lease loss provision to assets | 0.0346% | 3,320 |
| Net operating income to assets | 0.7534% | 4,065 |
| Return on assets (ROA) | 0.7539% | 4,074 |
| Pretax return on assets | 0.9609% | 3,849 |
| Return on Equity (ROE) | 7.6123% | 3,704 |
| Retained earnings to average equity (ytd only) | -9.3687% | 5,384 |
| Net charge-offs to loans | 0.0301% | 2,490 |
| Credit loss provision to net charge-offs | 164.8352% | 1,608 |
| Earnings coverage of net charge-offs (x) | 47.3847% | 1,209 |
| Efficiency ratio | 76.3490% | 1,305 |
| Assets per employee ($millions) | 5.0252% | 2,438 |
| Cash dividends to net income (ytd only)* | 223.0722% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,515 |
| Loan loss allowance to noncurrent loans | 337.3889% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 3,877 |
| Noncurrent loans to loans | 0.3089% | 3,565 |
| Net loans and leases to total assets | 68.0941% | 2,921 |
| Net loans and leases to deposits | 91.4193% | 1,704 |
| Net loans and leases to core deposits | 96.4958% | 2,070 |
| Total domestic deposits to total assets | 74.4854% | 4,936 |
| Equity capital to assets | 9.3376% | 4,237 |
| Core capital (leverage) ratio | 8.7817% | 4,895 |
| Tier 1 risk-based capital ratio | 12.2823% | 4,331 |
| Total risk-based capital ratio | 13.3206% | 4,347 |
| Memoranda: | ||
| Average total assets | $4,045,448,250 | 262 |
| Average earning assets | $3,687,737,000 | 262 |
| Average equity | $400,672,250 | 277 |
| Average total loans | $2,820,084,000 | 266 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,611 |
| Cost of funding earning assets | 0.5409% | 2,682 |
| Net interest margin | 3.1480% | 4,622 |
| Noninterest income to average assets | 1.3453% | 531 |
| Noninterest expense to average assets | 3.3049% | 1,311 |
| Loan and lease loss provision to assets | 0.0304% | 3,303 |
| Net operating income to assets | 0.6859% | 4,236 |
| Return on assets (ROA) | 0.6865% | 4,238 |
| Pretax return on assets | 0.8927% | 3,987 |
| Return on Equity (ROE) | 6.7884% | 3,963 |
| Retained earnings to average equity (ytd only) | -18.7847% | 5,489 |
| Net charge-offs to loans | 0.0270% | 2,314 |
| Credit loss provision to net charge-offs | 160.8579% | 1,507 |
| Earnings coverage of net charge-offs (x) | 48.7962% | 1,143 |
| Efficiency ratio | 77.9760% | 1,198 |
| Assets per employee ($millions) | 4.8726% | 2,596 |
| Cash dividends to net income (ytd only)* | 376.7164% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,599 |
| Loan loss allowance to noncurrent loans | 363.0776% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 3,995 |
| Noncurrent loans to loans | 0.2863% | 3,675 |
| Net loans and leases to total assets | 69.0373% | 2,717 |
| Net loans and leases to deposits | 90.9052% | 1,721 |
| Net loans and leases to core deposits | 102.5955% | 1,520 |
| Total domestic deposits to total assets | 75.9443% | 4,856 |
| Equity capital to assets | 9.3545% | 4,237 |
| Core capital (leverage) ratio | 8.8901% | 4,799 |
| Tier 1 risk-based capital ratio | 12.1523% | 4,401 |
| Total risk-based capital ratio | 13.1987% | 4,403 |
| Memoranda: | ||
| Average total assets | $3,946,675,330 | 266 |
| Average earning assets | $3,613,108,670 | 262 |
| Average equity | $399,091,000 | 276 |
| Average total loans | $2,764,236,670 | 265 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 4,622 |
| Cost of funding earning assets | 0.5224% | 2,611 |
| Net interest margin | 3.1154% | 4,671 |
| Noninterest income to average assets | 1.3140% | 540 |
| Noninterest expense to average assets | 3.2358% | 1,487 |
| Loan and lease loss provision to assets | 0.0159% | 3,325 |
| Net operating income to assets | 0.4330% | 4,855 |
| Return on assets (ROA) | 0.4330% | 4,861 |
| Pretax return on assets | 0.9146% | 3,799 |
| Return on Equity (ROE) | 4.1033% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.1033% | 3,559 |
| Net charge-offs to loans | 0.0060% | 2,517 |
| Credit loss provision to net charge-offs | 375.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 220.1000% | 304 |
| Efficiency ratio | 77.5633% | 1,399 |
| Assets per employee ($millions) | 4.8746% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 3,098 |
| Loan loss allowance to noncurrent loans | 446.7478% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 4,150 |
| Noncurrent loans to loans | 0.2571% | 3,836 |
| Net loans and leases to total assets | 69.7991% | 2,519 |
| Net loans and leases to deposits | 90.7199% | 1,601 |
| Net loans and leases to core deposits | 101.2857% | 1,590 |
| Total domestic deposits to total assets | 76.9391% | 4,863 |
| Equity capital to assets | 10.4850% | 3,089 |
| Core capital (leverage) ratio | 10.1131% | 3,414 |
| Tier 1 risk-based capital ratio | 14.2745% | 3,241 |
| Total risk-based capital ratio | 15.4432% | 3,201 |
| Memoranda: | ||
| Average total assets | $3,784,923,000 | 269 |
| Average earning assets | $3,465,255,500 | 267 |
| Average equity | $399,389,000 | 278 |
| Average total loans | $2,657,485,500 | 274 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4704% | 4,831 |
| Cost of funding earning assets | 0.4714% | 2,595 |
| Net interest margin | 2.9990% | 4,889 |
| Noninterest income to average assets | 1.3344% | 589 |
| Noninterest expense to average assets | 3.0729% | 1,944 |
| Loan and lease loss provision to assets | 0.0121% | 4,045 |
| Net operating income to assets | 0.6773% | 3,691 |
| Return on assets (ROA) | 0.6737% | 3,767 |
| Pretax return on assets | 0.9922% | 3,607 |
| Return on Equity (ROE) | 6.4603% | 3,547 |
| Retained earnings to average equity (ytd only) | 6.4603% | 1,295 |
| Net charge-offs to loans | 0.0485% | 2,817 |
| Credit loss provision to net charge-offs | 36.4964% | 3,476 |
| Earnings coverage of net charge-offs (x) | 30.4769% | 1,530 |
| Efficiency ratio | 75.1606% | 1,742 |
| Assets per employee ($millions) | 4.8994% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,969 |
| Loan loss allowance to noncurrent loans | 454.7728% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 4,190 |
| Noncurrent loans to loans | 0.2569% | 3,865 |
| Net loans and leases to total assets | 68.9954% | 2,687 |
| Net loans and leases to deposits | 93.9014% | 1,282 |
| Net loans and leases to core deposits | 103.5599% | 1,441 |
| Total domestic deposits to total assets | 73.4764% | 5,228 |
| Equity capital to assets | 10.6199% | 3,026 |
| Core capital (leverage) ratio | 10.0867% | 3,341 |
| Tier 1 risk-based capital ratio | 14.3893% | 3,144 |
| Total risk-based capital ratio | 15.5700% | 3,090 |
| Memoranda: | ||
| Average total assets | $3,721,798,200 | 264 |
| Average earning assets | $3,410,428,800 | 264 |
| Average equity | $388,122,800 | 274 |
| Average total loans | $2,543,856,800 | 272 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4401% | 4,907 |
| Cost of funding earning assets | 0.4657% | 2,565 |
| Net interest margin | 2.9744% | 4,975 |
| Noninterest income to average assets | 1.3249% | 597 |
| Noninterest expense to average assets | 3.0843% | 1,845 |
| Loan and lease loss provision to assets | 0.0108% | 3,924 |
| Net operating income to assets | 0.6841% | 4,056 |
| Return on assets (ROA) | 0.6789% | 4,145 |
| Pretax return on assets | 0.9495% | 3,871 |
| Return on Equity (ROE) | 6.5404% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.5404% | 1,945 |
| Net charge-offs to loans | 0.0614% | 2,236 |
| Credit loss provision to net charge-offs | 25.8176% | 3,109 |
| Earnings coverage of net charge-offs (x) | 23.1739% | 1,826 |
| Efficiency ratio | 76.0101% | 1,588 |
| Assets per employee ($millions) | 4.9180% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 3,007 |
| Loan loss allowance to noncurrent loans | 457.3411% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 4,354 |
| Noncurrent loans to loans | 0.2595% | 4,032 |
| Net loans and leases to total assets | 67.8304% | 2,865 |
| Net loans and leases to deposits | 92.7142% | 1,456 |
| Net loans and leases to core deposits | 102.7940% | 1,484 |
| Total domestic deposits to total assets | 73.1607% | 5,300 |
| Equity capital to assets | 10.5470% | 3,320 |
| Core capital (leverage) ratio | 10.0368% | 3,527 |
| Tier 1 risk-based capital ratio | 14.4826% | 3,192 |
| Total risk-based capital ratio | 15.6800% | 3,140 |
| Memoranda: | ||
| Average total assets | $3,710,342,250 | 265 |
| Average earning assets | $3,401,765,500 | 264 |
| Average equity | $385,124,500 | 276 |
| Average total loans | $2,522,267,500 | 274 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3973% | 4,977 |
| Cost of funding earning assets | 0.4517% | 2,584 |
| Net interest margin | 2.9456% | 5,011 |
| Noninterest income to average assets | 1.2726% | 642 |
| Noninterest expense to average assets | 3.1014% | 1,838 |
| Loan and lease loss provision to assets | 0.0081% | 3,766 |
| Net operating income to assets | 0.6256% | 4,180 |
| Return on assets (ROA) | 0.6227% | 4,246 |
| Pretax return on assets | 0.8653% | 4,057 |
| Return on Equity (ROE) | 6.0326% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.0326% | 2,094 |
| Net charge-offs to loans | 0.0607% | 2,054 |
| Credit loss provision to net charge-offs | 19.7368% | 2,789 |
| Earnings coverage of net charge-offs (x) | 21.3171% | 1,757 |
| Efficiency ratio | 77.8380% | 1,484 |
| Assets per employee ($millions) | 4.9838% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,994 |
| Loan loss allowance to noncurrent loans | 402.1994% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 4,309 |
| Noncurrent loans to loans | 0.2991% | 3,968 |
| Net loans and leases to total assets | 67.1937% | 2,922 |
| Net loans and leases to deposits | 90.9031% | 1,619 |
| Net loans and leases to core deposits | 103.6644% | 1,380 |
| Total domestic deposits to total assets | 73.9179% | 5,298 |
| Equity capital to assets | 10.2744% | 3,601 |
| Core capital (leverage) ratio | 9.9036% | 3,653 |
| Tier 1 risk-based capital ratio | 13.5833% | 3,648 |
| Total risk-based capital ratio | 14.7383% | 3,620 |
| Memoranda: | ||
| Average total assets | $3,693,030,670 | 266 |
| Average earning assets | $3,392,834,670 | 267 |
| Average equity | $381,229,670 | 279 |
| Average total loans | $2,502,150,670 | 276 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3644% | 5,008 |
| Cost of funding earning assets | 0.4106% | 2,897 |
| Net interest margin | 2.9538% | 4,987 |
| Noninterest income to average assets | 1.2844% | 616 |
| Noninterest expense to average assets | 3.1441% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6174% | 4,078 |
| Return on assets (ROA) | 0.6177% | 4,134 |
| Pretax return on assets | 0.8633% | 3,888 |
| Return on Equity (ROE) | 5.9697% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.9697% | 2,356 |
| Net charge-offs to loans | 0.0745% | 1,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 17.1196% | 1,611 |
| Efficiency ratio | 78.3538% | 1,582 |
| Assets per employee ($millions) | 4.9140% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,794 |
| Loan loss allowance to noncurrent loans | 467.0878% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 4,440 |
| Noncurrent loans to loans | 0.2686% | 4,150 |
| Net loans and leases to total assets | 66.5792% | 2,885 |
| Net loans and leases to deposits | 92.3411% | 1,292 |
| Net loans and leases to core deposits | 103.5863% | 1,246 |
| Total domestic deposits to total assets | 72.1013% | 5,537 |
| Equity capital to assets | 10.3795% | 3,320 |
| Core capital (leverage) ratio | 9.9909% | 3,509 |
| Tier 1 risk-based capital ratio | 13.8747% | 3,562 |
| Total risk-based capital ratio | 15.0794% | 3,494 |
| Memoranda: | ||
| Average total assets | $3,650,683,000 | 272 |
| Average earning assets | $3,364,896,000 | 270 |
| Average equity | $377,775,000 | 281 |
| Average total loans | $2,468,577,500 | 280 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 4,906 |
| Cost of funding earning assets | 0.3926% | 3,069 |
| Net interest margin | 3.0464% | 4,859 |
| Noninterest income to average assets | 1.3148% | 660 |
| Noninterest expense to average assets | 3.0744% | 2,109 |
| Loan and lease loss provision to assets | 0.0376% | 3,619 |
| Net operating income to assets | 0.7038% | 3,764 |
| Return on assets (ROA) | 0.7176% | 3,815 |
| Pretax return on assets | 1.0362% | 3,338 |
| Return on Equity (ROE) | 6.7528% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.7528% | 1,333 |
| Net charge-offs to loans | 0.0483% | 3,075 |
| Credit loss provision to net charge-offs | 113.1419% | 2,326 |
| Earnings coverage of net charge-offs (x) | 31.7406% | 1,382 |
| Efficiency ratio | 74.3718% | 2,244 |
| Assets per employee ($millions) | 4.9396% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,653 |
| Loan loss allowance to noncurrent loans | 359.8584% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 4,267 |
| Noncurrent loans to loans | 0.3557% | 3,858 |
| Net loans and leases to total assets | 66.9481% | 2,937 |
| Net loans and leases to deposits | 94.5736% | 1,135 |
| Net loans and leases to core deposits | 106.2066% | 1,118 |
| Total domestic deposits to total assets | 70.7894% | 5,622 |
| Equity capital to assets | 10.3162% | 3,370 |
| Core capital (leverage) ratio | 9.9135% | 3,607 |
| Tier 1 risk-based capital ratio | 13.8396% | 3,554 |
| Total risk-based capital ratio | 15.0786% | 3,471 |
| Memoranda: | ||
| Average total assets | $3,460,748,600 | 272 |
| Average earning assets | $3,196,032,000 | 270 |
| Average equity | $367,742,600 | 273 |
| Average total loans | $2,377,588,600 | 275 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 4,919 |
| Cost of funding earning assets | 0.3937% | 3,082 |
| Net interest margin | 3.0589% | 4,881 |
| Noninterest income to average assets | 1.2907% | 697 |
| Noninterest expense to average assets | 3.0982% | 2,031 |
| Loan and lease loss provision to assets | 0.0449% | 3,342 |
| Net operating income to assets | 0.6698% | 4,004 |
| Return on assets (ROA) | 0.6883% | 4,047 |
| Pretax return on assets | 1.0006% | 3,629 |
| Return on Equity (ROE) | 6.4279% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.4279% | 1,951 |
| Net charge-offs to loans | 0.0736% | 2,266 |
| Credit loss provision to net charge-offs | 88.4615% | 2,555 |
| Earnings coverage of net charge-offs (x) | 20.0877% | 1,895 |
| Efficiency ratio | 75.1601% | 2,081 |
| Assets per employee ($millions) | 5.0006% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,710 |
| Loan loss allowance to noncurrent loans | 334.2004% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 4,319 |
| Noncurrent loans to loans | 0.3877% | 3,870 |
| Net loans and leases to total assets | 66.3419% | 3,063 |
| Net loans and leases to deposits | 93.9143% | 1,263 |
| Net loans and leases to core deposits | 104.2575% | 1,321 |
| Total domestic deposits to total assets | 70.6408% | 5,659 |
| Equity capital to assets | 10.4735% | 3,595 |
| Core capital (leverage) ratio | 10.0971% | 3,446 |
| Tier 1 risk-based capital ratio | 13.7089% | 3,736 |
| Total risk-based capital ratio | 14.9492% | 3,661 |
| Memoranda: | ||
| Average total assets | $3,418,277,500 | 269 |
| Average earning assets | $3,158,075,750 | 268 |
| Average equity | $366,042,000 | 273 |
| Average total loans | $2,356,446,000 | 273 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 4,895 |
| Cost of funding earning assets | 0.3963% | 3,082 |
| Net interest margin | 3.0931% | 4,853 |
| Noninterest income to average assets | 1.2515% | 724 |
| Noninterest expense to average assets | 3.1052% | 2,045 |
| Loan and lease loss provision to assets | 0.0506% | 3,136 |
| Net operating income to assets | 0.6467% | 4,052 |
| Return on assets (ROA) | 0.6532% | 4,175 |
| Pretax return on assets | 0.9655% | 3,722 |
| Return on Equity (ROE) | 6.0526% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.0526% | 2,091 |
| Net charge-offs to loans | 0.0973% | 1,870 |
| Credit loss provision to net charge-offs | 74.6924% | 2,427 |
| Earnings coverage of net charge-offs (x) | 14.8699% | 2,032 |
| Efficiency ratio | 75.4246% | 2,161 |
| Assets per employee ($millions) | 4.7886% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,841 |
| Loan loss allowance to noncurrent loans | 290.7399% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 4,149 |
| Noncurrent loans to loans | 0.4439% | 3,779 |
| Net loans and leases to total assets | 68.7549% | 2,670 |
| Net loans and leases to deposits | 96.7234% | 998 |
| Net loans and leases to core deposits | 108.2744% | 1,024 |
| Total domestic deposits to total assets | 71.0840% | 5,726 |
| Equity capital to assets | 10.7098% | 3,388 |
| Core capital (leverage) ratio | 10.1478% | 3,389 |
| Tier 1 risk-based capital ratio | 13.7931% | 3,726 |
| Total risk-based capital ratio | 15.0432% | 3,641 |
| Memoranda: | ||
| Average total assets | $3,362,566,330 | 271 |
| Average earning assets | $3,109,464,330 | 269 |
| Average equity | $362,883,330 | 275 |
| Average total loans | $2,338,645,000 | 273 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5550% | 4,751 |
| Cost of funding earning assets | 0.3974% | 3,101 |
| Net interest margin | 3.1577% | 4,710 |
| Noninterest income to average assets | 1.2089% | 744 |
| Noninterest expense to average assets | 3.0648% | 2,193 |
| Loan and lease loss provision to assets | 0.0362% | 3,180 |
| Net operating income to assets | 0.6537% | 3,959 |
| Return on assets (ROA) | 0.6652% | 4,022 |
| Pretax return on assets | 1.0445% | 3,301 |
| Return on Equity (ROE) | 6.1395% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.1395% | 2,309 |
| Net charge-offs to loans | 0.0432% | 2,139 |
| Credit loss provision to net charge-offs | 120.4819% | 1,437 |
| Earnings coverage of net charge-offs (x) | 35.3735% | 1,084 |
| Efficiency ratio | 74.1559% | 2,449 |
| Assets per employee ($millions) | 4.7180% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 2,618 |
| Loan loss allowance to noncurrent loans | 298.3762% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 4,177 |
| Noncurrent loans to loans | 0.4551% | 3,814 |
| Net loans and leases to total assets | 68.6263% | 2,556 |
| Net loans and leases to deposits | 96.8423% | 862 |
| Net loans and leases to core deposits | 109.3749% | 885 |
| Total domestic deposits to total assets | 70.8640% | 5,829 |
| Equity capital to assets | 10.9364% | 3,014 |
| Core capital (leverage) ratio | 10.1830% | 3,335 |
| Tier 1 risk-based capital ratio | 13.9520% | 3,724 |
| Total risk-based capital ratio | 15.2029% | 3,646 |
| Memoranda: | ||
| Average total assets | $3,315,150,500 | 274 |
| Average earning assets | $3,064,290,000 | 269 |
| Average equity | $359,184,000 | 276 |
| Average total loans | $2,303,861,000 | 274 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 4,823 |
| Cost of funding earning assets | 0.3684% | 3,504 |
| Net interest margin | 3.1702% | 4,713 |
| Noninterest income to average assets | 1.2638% | 746 |
| Noninterest expense to average assets | 3.2049% | 1,959 |
| Loan and lease loss provision to assets | 0.0883% | 2,534 |
| Net operating income to assets | 0.6698% | 3,952 |
| Return on assets (ROA) | 0.7043% | 3,895 |
| Pretax return on assets | 0.9481% | 3,659 |
| Return on Equity (ROE) | 6.5069% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.0739% | 1,754 |
| Net charge-offs to loans | 0.0679% | 2,881 |
| Credit loss provision to net charge-offs | 188.2079% | 1,466 |
| Earnings coverage of net charge-offs (x) | 21.1026% | 1,832 |
| Efficiency ratio | 76.3056% | 2,219 |
| Assets per employee ($millions) | 4.7679% | 2,650 |
| Cash dividends to net income (ytd only)* | 6.6542% | 4,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 2,565 |
| Loan loss allowance to noncurrent loans | 260.9466% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 4,013 |
| Noncurrent loans to loans | 0.5241% | 3,593 |
| Net loans and leases to total assets | 68.4688% | 2,631 |
| Net loans and leases to deposits | 96.7992% | 923 |
| Net loans and leases to core deposits | 109.2072% | 903 |
| Total domestic deposits to total assets | 70.7329% | 5,861 |
| Equity capital to assets | 10.7322% | 3,098 |
| Core capital (leverage) ratio | 10.1719% | 3,293 |
| Tier 1 risk-based capital ratio | 14.0017% | 3,712 |
| Total risk-based capital ratio | 15.2528% | 3,642 |
| Memoranda: | ||
| Average total assets | $3,200,440,800 | 268 |
| Average earning assets | $2,958,736,400 | 262 |
| Average equity | $346,432,200 | 273 |
| Average total loans | $2,210,684,400 | 264 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5470% | 4,871 |
| Cost of funding earning assets | 0.3670% | 3,585 |
| Net interest margin | 3.1800% | 4,736 |
| Noninterest income to average assets | 1.2735% | 736 |
| Noninterest expense to average assets | 3.2433% | 1,842 |
| Loan and lease loss provision to assets | 0.0998% | 2,183 |
| Net operating income to assets | 0.6496% | 4,135 |
| Return on assets (ROA) | 0.6984% | 4,017 |
| Pretax return on assets | 0.9362% | 3,859 |
| Return on Equity (ROE) | 6.4375% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.8572% | 2,337 |
| Net charge-offs to loans | 0.0711% | 2,549 |
| Credit loss provision to net charge-offs | 203.6847% | 1,317 |
| Earnings coverage of net charge-offs (x) | 19.8115% | 1,912 |
| Efficiency ratio | 76.8589% | 2,111 |
| Assets per employee ($millions) | 4.7293% | 2,656 |
| Cash dividends to net income (ytd only)* | 9.0149% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 2,654 |
| Loan loss allowance to noncurrent loans | 255.4511% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 4,120 |
| Noncurrent loans to loans | 0.5436% | 3,715 |
| Net loans and leases to total assets | 69.1222% | 2,517 |
| Net loans and leases to deposits | 96.8561% | 919 |
| Net loans and leases to core deposits | 108.2607% | 967 |
| Total domestic deposits to total assets | 71.3659% | 5,908 |
| Equity capital to assets | 10.9477% | 3,082 |
| Core capital (leverage) ratio | 10.1897% | 3,388 |
| Tier 1 risk-based capital ratio | 14.0871% | 3,804 |
| Total risk-based capital ratio | 15.3385% | 3,742 |
| Memoranda: | ||
| Average total assets | $3,174,520,250 | 273 |
| Average earning assets | $2,935,702,750 | 268 |
| Average equity | $344,389,000 | 280 |
| Average total loans | $2,189,939,000 | 270 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 4,889 |
| Cost of funding earning assets | 0.3681% | 3,624 |
| Net interest margin | 3.1699% | 4,752 |
| Noninterest income to average assets | 1.2411% | 788 |
| Noninterest expense to average assets | 3.2917% | 1,731 |
| Loan and lease loss provision to assets | 0.1028% | 2,118 |
| Net operating income to assets | 0.5854% | 4,415 |
| Return on assets (ROA) | 0.6534% | 4,215 |
| Pretax return on assets | 0.8654% | 4,082 |
| Return on Equity (ROE) | 6.0415% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.1643% | 2,756 |
| Net charge-offs to loans | 0.0816% | 2,236 |
| Credit loss provision to net charge-offs | 183.6158% | 1,323 |
| Earnings coverage of net charge-offs (x) | 15.6780% | 1,959 |
| Efficiency ratio | 78.8508% | 1,941 |
| Assets per employee ($millions) | 4.6754% | 2,708 |
| Cash dividends to net income (ytd only)* | 14.5194% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 2,819 |
| Loan loss allowance to noncurrent loans | 226.8086% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 4,074 |
| Noncurrent loans to loans | 0.6120% | 3,638 |
| Net loans and leases to total assets | 67.9941% | 2,643 |
| Net loans and leases to deposits | 96.5599% | 904 |
| Net loans and leases to core deposits | 109.2582% | 877 |
| Total domestic deposits to total assets | 70.4165% | 6,018 |
| Equity capital to assets | 10.6897% | 3,227 |
| Core capital (leverage) ratio | 10.1335% | 3,424 |
| Tier 1 risk-based capital ratio | 14.1470% | 3,844 |
| Total risk-based capital ratio | 15.3986% | 3,772 |
| Memoranda: | ||
| Average total assets | $3,162,304,670 | 274 |
| Average earning assets | $2,921,109,670 | 267 |
| Average equity | $342,002,000 | 285 |
| Average total loans | $2,169,623,330 | 272 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5625% | 4,795 |
| Cost of funding earning assets | 0.3755% | 3,587 |
| Net interest margin | 3.1870% | 4,657 |
| Noninterest income to average assets | 1.2033% | 785 |
| Noninterest expense to average assets | 3.2017% | 1,981 |
| Loan and lease loss provision to assets | 0.1116% | 1,850 |
| Net operating income to assets | 0.6386% | 4,092 |
| Return on assets (ROA) | 0.6416% | 4,199 |
| Pretax return on assets | 0.8385% | 4,106 |
| Return on Equity (ROE) | 5.8978% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.8978% | 2,552 |
| Net charge-offs to loans | 0.1303% | 1,469 |
| Credit loss provision to net charge-offs | 125.1788% | 1,403 |
| Earnings coverage of net charge-offs (x) | 10.6094% | 1,920 |
| Efficiency ratio | 77.0871% | 2,327 |
| Assets per employee ($millions) | 4.5659% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 2,875 |
| Loan loss allowance to noncurrent loans | 198.7309% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 3,954 |
| Noncurrent loans to loans | 0.7090% | 3,499 |
| Net loans and leases to total assets | 66.9352% | 2,616 |
| Net loans and leases to deposits | 94.1736% | 961 |
| Net loans and leases to core deposits | 106.2216% | 922 |
| Total domestic deposits to total assets | 71.0764% | 6,083 |
| Equity capital to assets | 10.9161% | 3,071 |
| Core capital (leverage) ratio | 10.2660% | 3,259 |
| Tier 1 risk-based capital ratio | 14.3345% | 3,813 |
| Total risk-based capital ratio | 15.5892% | 3,734 |
| Memoranda: | ||
| Average total assets | $3,135,104,000 | 274 |
| Average earning assets | $2,896,599,500 | 266 |
| Average equity | $341,074,500 | 281 |
| Average total loans | $2,145,457,000 | 273 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 4,805 |
| Cost of funding earning assets | 0.3955% | 3,736 |
| Net interest margin | 3.2950% | 4,584 |
| Noninterest income to average assets | 1.1962% | 841 |
| Noninterest expense to average assets | 3.1045% | 2,498 |
| Loan and lease loss provision to assets | 0.1414% | 1,875 |
| Net operating income to assets | 0.7118% | 3,829 |
| Return on assets (ROA) | 0.7144% | 3,927 |
| Pretax return on assets | 0.9924% | 3,526 |
| Return on Equity (ROE) | 6.7730% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.7730% | 1,509 |
| Net charge-offs to loans | 0.1204% | 2,833 |
| Credit loss provision to net charge-offs | 171.9682% | 1,413 |
| Earnings coverage of net charge-offs (x) | 13.7475% | 2,243 |
| Efficiency ratio | 73.1213% | 3,003 |
| Assets per employee ($millions) | 4.5947% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 2,951 |
| Loan loss allowance to noncurrent loans | 181.5797% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 3,930 |
| Noncurrent loans to loans | 0.7711% | 3,386 |
| Net loans and leases to total assets | 68.0176% | 2,551 |
| Net loans and leases to deposits | 93.7547% | 1,101 |
| Net loans and leases to core deposits | 106.6303% | 976 |
| Total domestic deposits to total assets | 72.5485% | 6,049 |
| Equity capital to assets | 10.8417% | 3,069 |
| Core capital (leverage) ratio | 10.0362% | 3,527 |
| Tier 1 risk-based capital ratio | 14.5084% | 3,772 |
| Total risk-based capital ratio | 15.7624% | 3,713 |
| Memoranda: | ||
| Average total assets | $3,059,597,600 | 264 |
| Average earning assets | $2,821,270,400 | 260 |
| Average equity | $322,739,200 | 278 |
| Average total loans | $2,088,599,800 | 264 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6984% | 4,865 |
| Cost of funding earning assets | 0.3989% | 3,795 |
| Net interest margin | 3.2995% | 4,606 |
| Noninterest income to average assets | 1.1609% | 890 |
| Noninterest expense to average assets | 3.1053% | 2,456 |
| Loan and lease loss provision to assets | 0.1510% | 1,651 |
| Net operating income to assets | 0.6829% | 4,026 |
| Return on assets (ROA) | 0.6855% | 4,103 |
| Pretax return on assets | 0.9491% | 3,796 |
| Return on Equity (ROE) | 6.5455% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.5455% | 2,073 |
| Net charge-offs to loans | 0.1493% | 2,294 |
| Credit loss provision to net charge-offs | 148.5149% | 1,595 |
| Earnings coverage of net charge-offs (x) | 10.7856% | 2,503 |
| Efficiency ratio | 73.6815% | 2,869 |
| Assets per employee ($millions) | 4.6492% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 3,213 |
| Loan loss allowance to noncurrent loans | 205.4794% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 4,411 |
| Noncurrent loans to loans | 0.6778% | 3,916 |
| Net loans and leases to total assets | 68.2688% | 2,487 |
| Net loans and leases to deposits | 95.4205% | 926 |
| Net loans and leases to core deposits | 105.3404% | 998 |
| Total domestic deposits to total assets | 71.5452% | 6,201 |
| Equity capital to assets | 10.8082% | 3,168 |
| Core capital (leverage) ratio | 10.0757% | 3,564 |
| Tier 1 risk-based capital ratio | 14.3914% | 3,948 |
| Total risk-based capital ratio | 15.6433% | 3,889 |
| Memoranda: | ||
| Average total assets | $3,046,844,750 | 261 |
| Average earning assets | $2,807,975,250 | 259 |
| Average equity | $319,113,250 | 278 |
| Average total loans | $2,074,298,000 | 260 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 4,853 |
| Cost of funding earning assets | 0.3985% | 3,884 |
| Net interest margin | 3.3048% | 4,568 |
| Noninterest income to average assets | 1.1195% | 945 |
| Noninterest expense to average assets | 3.0996% | 2,502 |
| Loan and lease loss provision to assets | 0.1690% | 1,450 |
| Net operating income to assets | 0.6523% | 4,084 |
| Return on assets (ROA) | 0.6511% | 4,192 |
| Pretax return on assets | 0.8920% | 3,916 |
| Return on Equity (ROE) | 6.2836% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.2836% | 2,164 |
| Net charge-offs to loans | 0.1442% | 2,232 |
| Credit loss provision to net charge-offs | 173.1675% | 1,316 |
| Earnings coverage of net charge-offs (x) | 10.8884% | 2,202 |
| Efficiency ratio | 74.2100% | 2,942 |
| Assets per employee ($millions) | 4.5742% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 3,393 |
| Loan loss allowance to noncurrent loans | 210.2079% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 4,611 |
| Noncurrent loans to loans | 0.6625% | 4,052 |
| Net loans and leases to total assets | 67.4442% | 2,507 |
| Net loans and leases to deposits | 98.1433% | 655 |
| Net loans and leases to core deposits | 109.0796% | 726 |
| Total domestic deposits to total assets | 68.7201% | 6,398 |
| Equity capital to assets | 10.5363% | 3,401 |
| Core capital (leverage) ratio | 9.8587% | 3,807 |
| Tier 1 risk-based capital ratio | 14.2199% | 4,116 |
| Total risk-based capital ratio | 15.4731% | 4,045 |
| Memoranda: | ||
| Average total assets | $3,047,391,330 | 259 |
| Average earning assets | $2,805,743,330 | 256 |
| Average equity | $315,773,670 | 276 |
| Average total loans | $2,062,968,000 | 258 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 4,883 |
| Cost of funding earning assets | 0.3912% | 4,076 |
| Net interest margin | 3.2983% | 4,542 |
| Noninterest income to average assets | 1.0545% | 1,007 |
| Noninterest expense to average assets | 3.0443% | 2,714 |
| Loan and lease loss provision to assets | 0.2243% | 1,001 |
| Net operating income to assets | 0.6100% | 4,154 |
| Return on assets (ROA) | 0.5950% | 4,301 |
| Pretax return on assets | 0.8054% | 4,092 |
| Return on Equity (ROE) | 5.7916% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.7916% | 2,650 |
| Net charge-offs to loans | 0.0764% | 2,385 |
| Credit loss provision to net charge-offs | 435.8974% | 608 |
| Earnings coverage of net charge-offs (x) | 20.4051% | 1,334 |
| Efficiency ratio | 74.0889% | 3,125 |
| Assets per employee ($millions) | 4.5798% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 3,448 |
| Loan loss allowance to noncurrent loans | 193.6935% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 4,606 |
| Noncurrent loans to loans | 0.7402% | 4,014 |
| Net loans and leases to total assets | 66.7952% | 2,433 |
| Net loans and leases to deposits | 94.5324% | 742 |
| Net loans and leases to core deposits | 104.0974% | 853 |
| Total domestic deposits to total assets | 70.6585% | 6,417 |
| Equity capital to assets | 10.3525% | 3,399 |
| Core capital (leverage) ratio | 9.7905% | 3,876 |
| Tier 1 risk-based capital ratio | 14.2571% | 4,160 |
| Total risk-based capital ratio | 15.5097% | 4,105 |
| Memoranda: | ||
| Average total assets | $3,031,866,500 | 260 |
| Average earning assets | $2,794,157,500 | 255 |
| Average equity | $311,484,000 | 275 |
| Average total loans | $2,041,675,500 | 256 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7098% | 5,102 |
| Cost of funding earning assets | 0.5231% | 3,369 |
| Net interest margin | 3.1867% | 5,044 |
| Noninterest income to average assets | 1.2073% | 967 |
| Noninterest expense to average assets | 3.0902% | 2,766 |
| Loan and lease loss provision to assets | 0.1360% | 2,606 |
| Net operating income to assets | 0.6729% | 3,929 |
| Return on assets (ROA) | 0.6773% | 3,999 |
| Pretax return on assets | 0.9187% | 3,683 |
| Return on Equity (ROE) | 6.6260% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.6260% | 1,607 |
| Net charge-offs to loans | 0.1789% | 3,033 |
| Credit loss provision to net charge-offs | 115.8940% | 2,079 |
| Earnings coverage of net charge-offs (x) | 8.9352% | 2,579 |
| Efficiency ratio | 74.3921% | 3,062 |
| Assets per employee ($millions) | 4.5387% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 3,672 |
| Loan loss allowance to noncurrent loans | 168.0414% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 4,536 |
| Noncurrent loans to loans | 0.8308% | 3,905 |
| Net loans and leases to total assets | 65.9776% | 2,695 |
| Net loans and leases to deposits | 91.8948% | 1,065 |
| Net loans and leases to core deposits | 103.8497% | 920 |
| Total domestic deposits to total assets | 71.7969% | 6,436 |
| Equity capital to assets | 10.1944% | 3,512 |
| Core capital (leverage) ratio | 9.5423% | 4,200 |
| Tier 1 risk-based capital ratio | 14.1499% | 4,191 |
| Total risk-based capital ratio | 15.4018% | 4,141 |
| Memoranda: | ||
| Average total assets | $2,959,062,600 | 256 |
| Average earning assets | $2,722,215,600 | 250 |
| Average equity | $302,488,400 | 274 |
| Average total loans | $1,941,358,800 | 261 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 5,225 |
| Cost of funding earning assets | 0.5499% | 3,264 |
| Net interest margin | 3.1289% | 5,236 |
| Noninterest income to average assets | 1.2035% | 1,007 |
| Noninterest expense to average assets | 3.0974% | 2,660 |
| Loan and lease loss provision to assets | 0.1359% | 2,584 |
| Net operating income to assets | 0.6296% | 4,220 |
| Return on assets (ROA) | 0.6822% | 4,084 |
| Pretax return on assets | 0.9168% | 3,804 |
| Return on Equity (ROE) | 6.6684% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.6684% | 2,054 |
| Net charge-offs to loans | 0.1869% | 2,725 |
| Credit loss provision to net charge-offs | 111.3999% | 2,117 |
| Earnings coverage of net charge-offs (x) | 8.0468% | 2,686 |
| Efficiency ratio | 75.6580% | 2,779 |
| Assets per employee ($millions) | 4.5478% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 3,884 |
| Loan loss allowance to noncurrent loans | 166.8912% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 4,776 |
| Noncurrent loans to loans | 0.8406% | 4,154 |
| Net loans and leases to total assets | 64.7604% | 2,860 |
| Net loans and leases to deposits | 91.0802% | 1,057 |
| Net loans and leases to core deposits | 100.8418% | 1,061 |
| Total domestic deposits to total assets | 71.1025% | 6,545 |
| Equity capital to assets | 10.0129% | 3,881 |
| Core capital (leverage) ratio | 9.4694% | 4,451 |
| Tier 1 risk-based capital ratio | 14.0798% | 4,370 |
| Total risk-based capital ratio | 15.3317% | 4,315 |
| Memoranda: | ||
| Average total assets | $2,943,134,250 | 253 |
| Average earning assets | $2,704,901,000 | 249 |
| Average equity | $301,072,000 | 275 |
| Average total loans | $1,921,050,750 | 261 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 5,136 |
| Cost of funding earning assets | 0.5829% | 3,101 |
| Net interest margin | 3.1187% | 5,221 |
| Noninterest income to average assets | 1.2032% | 1,056 |
| Noninterest expense to average assets | 3.1449% | 2,531 |
| Loan and lease loss provision to assets | 0.1631% | 2,288 |
| Net operating income to assets | 0.5670% | 4,469 |
| Return on assets (ROA) | 0.6480% | 4,225 |
| Pretax return on assets | 0.8685% | 4,028 |
| Return on Equity (ROE) | 6.2886% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.2886% | 2,270 |
| Net charge-offs to loans | 0.1804% | 2,676 |
| Credit loss provision to net charge-offs | 138.8889% | 1,632 |
| Earnings coverage of net charge-offs (x) | 7.8632% | 2,489 |
| Efficiency ratio | 77.0197% | 2,622 |
| Assets per employee ($millions) | 4.3992% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 3,803 |
| Loan loss allowance to noncurrent loans | 240.5720% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 5,271 |
| Noncurrent loans to loans | 0.6035% | 4,748 |
| Net loans and leases to total assets | 64.8967% | 2,774 |
| Net loans and leases to deposits | 89.0477% | 1,221 |
| Net loans and leases to core deposits | 101.1103% | 996 |
| Total domestic deposits to total assets | 72.8786% | 6,509 |
| Equity capital to assets | 10.0184% | 3,895 |
| Core capital (leverage) ratio | 9.5210% | 4,214 |
| Tier 1 risk-based capital ratio | 14.0684% | 4,375 |
| Total risk-based capital ratio | 15.3209% | 4,334 |
| Memoranda: | ||
| Average total assets | $2,911,539,670 | 257 |
| Average earning assets | $2,674,982,000 | 250 |
| Average equity | $300,035,000 | 275 |
| Average total loans | $1,896,281,670 | 263 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7239% | 5,082 |
| Cost of funding earning assets | 0.6117% | 2,996 |
| Net interest margin | 3.1122% | 5,218 |
| Noninterest income to average assets | 1.1963% | 1,054 |
| Noninterest expense to average assets | 3.1460% | 2,524 |
| Loan and lease loss provision to assets | 0.2427% | 1,489 |
| Net operating income to assets | 0.4956% | 4,689 |
| Return on assets (ROA) | 0.5636% | 4,544 |
| Pretax return on assets | 0.7562% | 4,347 |
| Return on Equity (ROE) | 5.3926% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.3926% | 3,010 |
| Net charge-offs to loans | 0.2831% | 1,833 |
| Credit loss provision to net charge-offs | 132.3752% | 1,494 |
| Earnings coverage of net charge-offs (x) | 4.9546% | 2,436 |
| Efficiency ratio | 77.3145% | 2,721 |
| Assets per employee ($millions) | 4.3840% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 3,859 |
| Loan loss allowance to noncurrent loans | 234.8930% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 5,345 |
| Noncurrent loans to loans | 0.6356% | 4,860 |
| Net loans and leases to total assets | 64.0063% | 2,706 |
| Net loans and leases to deposits | 87.4590% | 1,196 |
| Net loans and leases to core deposits | 101.8845% | 833 |
| Total domestic deposits to total assets | 73.1844% | 6,587 |
| Equity capital to assets | 10.4515% | 3,598 |
| Core capital (leverage) ratio | 9.5814% | 3,955 |
| Tier 1 risk-based capital ratio | 14.2979% | 4,287 |
| Total risk-based capital ratio | 15.5671% | 4,248 |
| Memoranda: | ||
| Average total assets | $2,884,786,000 | 261 |
| Average earning assets | $2,649,058,000 | 255 |
| Average equity | $301,527,000 | 281 |
| Average total loans | $1,868,139,000 | 269 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 4,976 |
| Cost of funding earning assets | 0.7694% | 2,923 |
| Net interest margin | 3.3230% | 5,169 |
| Noninterest income to average assets | 1.2868% | 934 |
| Noninterest expense to average assets | 3.2257% | 2,531 |
| Loan and lease loss provision to assets | 0.1552% | 3,673 |
| Net operating income to assets | 0.6935% | 3,767 |
| Return on assets (ROA) | 0.7118% | 3,945 |
| Pretax return on assets | 0.9727% | 3,647 |
| Return on Equity (ROE) | 6.5032% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.3960% | 1,873 |
| Net charge-offs to loans | 0.2166% | 3,658 |
| Credit loss provision to net charge-offs | 107.2351% | 2,762 |
| Earnings coverage of net charge-offs (x) | 7.6204% | 2,561 |
| Efficiency ratio | 74.2356% | 3,031 |
| Assets per employee ($millions) | 4.3643% | 3,220 |
| Cash dividends to net income (ytd only)* | 1.6497% | 4,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,772 |
| Loan loss allowance to noncurrent loans | 212.2192% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 5,337 |
| Noncurrent loans to loans | 0.7039% | 4,782 |
| Net loans and leases to total assets | 63.5742% | 2,970 |
| Net loans and leases to deposits | 86.0232% | 1,512 |
| Net loans and leases to core deposits | 95.9577% | 1,307 |
| Total domestic deposits to total assets | 73.9036% | 6,536 |
| Equity capital to assets | 10.4531% | 3,580 |
| Core capital (leverage) ratio | 9.6465% | 3,897 |
| Tier 1 risk-based capital ratio | 14.1984% | 4,247 |
| Total risk-based capital ratio | 15.4569% | 4,199 |
| Memoranda: | ||
| Average total assets | $2,674,082,600 | 272 |
| Average earning assets | $2,447,732,000 | 268 |
| Average equity | $292,684,800 | 277 |
| Average total loans | $1,786,407,800 | 270 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 4,954 |
| Cost of funding earning assets | 0.7993% | 2,946 |
| Net interest margin | 3.3595% | 5,184 |
| Noninterest income to average assets | 1.2633% | 928 |
| Noninterest expense to average assets | 3.2815% | 2,323 |
| Loan and lease loss provision to assets | 0.1727% | 3,404 |
| Net operating income to assets | 0.6564% | 4,107 |
| Return on assets (ROA) | 0.6795% | 4,273 |
| Pretax return on assets | 0.9157% | 4,041 |
| Return on Equity (ROE) | 6.1326% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.9886% | 2,702 |
| Net charge-offs to loans | 0.2062% | 3,497 |
| Credit loss provision to net charge-offs | 124.2236% | 2,328 |
| Earnings coverage of net charge-offs (x) | 7.6043% | 2,580 |
| Efficiency ratio | 75.3416% | 2,771 |
| Assets per employee ($millions) | 4.1254% | 3,637 |
| Cash dividends to net income (ytd only)* | 2.3475% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 3,691 |
| Loan loss allowance to noncurrent loans | 243.1096% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 5,586 |
| Noncurrent loans to loans | 0.6418% | 5,156 |
| Net loans and leases to total assets | 65.4334% | 2,747 |
| Net loans and leases to deposits | 84.9021% | 1,745 |
| Net loans and leases to core deposits | 93.4385% | 1,630 |
| Total domestic deposits to total assets | 77.0692% | 6,219 |
| Equity capital to assets | 10.9701% | 3,308 |
| Core capital (leverage) ratio | 9.8592% | 3,747 |
| Tier 1 risk-based capital ratio | 14.5122% | 4,177 |
| Total risk-based capital ratio | 15.7763% | 4,138 |
| Memoranda: | ||
| Average total assets | $2,624,672,000 | 277 |
| Average earning assets | $2,402,810,750 | 273 |
| Average equity | $290,809,750 | 278 |
| Average total loans | $1,769,669,500 | 268 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 4,897 |
| Cost of funding earning assets | 0.8282% | 2,967 |
| Net interest margin | 3.3867% | 5,131 |
| Noninterest income to average assets | 1.2426% | 924 |
| Noninterest expense to average assets | 3.3336% | 2,206 |
| Loan and lease loss provision to assets | 0.2040% | 3,028 |
| Net operating income to assets | 0.6124% | 4,323 |
| Return on assets (ROA) | 0.6405% | 4,414 |
| Pretax return on assets | 0.8418% | 4,306 |
| Return on Equity (ROE) | 5.7613% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.5439% | 2,966 |
| Net charge-offs to loans | 0.1468% | 3,736 |
| Credit loss provision to net charge-offs | 205.1084% | 1,389 |
| Earnings coverage of net charge-offs (x) | 10.1409% | 2,091 |
| Efficiency ratio | 76.4757% | 2,672 |
| Assets per employee ($millions) | 3.9983% | 3,882 |
| Cash dividends to net income (ytd only)* | 3.7745% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,561 |
| Loan loss allowance to noncurrent loans | 231.2802% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 5,517 |
| Noncurrent loans to loans | 0.6971% | 5,109 |
| Net loans and leases to total assets | 66.2135% | 2,628 |
| Net loans and leases to deposits | 86.9013% | 1,485 |
| Net loans and leases to core deposits | 95.7455% | 1,449 |
| Total domestic deposits to total assets | 76.1939% | 6,436 |
| Equity capital to assets | 10.9995% | 3,116 |
| Core capital (leverage) ratio | 9.9175% | 3,536 |
| Tier 1 risk-based capital ratio | 14.5460% | 4,070 |
| Total risk-based capital ratio | 15.8135% | 4,023 |
| Memoranda: | ||
| Average total assets | $2,597,480,670 | 281 |
| Average earning assets | $2,377,467,000 | 274 |
| Average equity | $288,787,330 | 280 |
| Average total loans | $1,759,941,000 | 267 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 4,891 |
| Cost of funding earning assets | 0.8521% | 3,049 |
| Net interest margin | 3.4078% | 5,090 |
| Noninterest income to average assets | 1.2693% | 881 |
| Noninterest expense to average assets | 3.3514% | 2,141 |
| Loan and lease loss provision to assets | 0.2956% | 2,113 |
| Net operating income to assets | 0.5902% | 4,390 |
| Return on assets (ROA) | 0.6493% | 4,336 |
| Pretax return on assets | 0.8138% | 4,362 |
| Return on Equity (ROE) | 5.8082% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.8082% | 3,068 |
| Net charge-offs to loans | 0.1689% | 3,075 |
| Credit loss provision to net charge-offs | 257.4526% | 1,115 |
| Earnings coverage of net charge-offs (x) | 9.0176% | 1,892 |
| Efficiency ratio | 76.1013% | 2,774 |
| Assets per employee ($millions) | 3.9835% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 3,629 |
| Loan loss allowance to noncurrent loans | 230.8550% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 5,573 |
| Noncurrent loans to loans | 0.7035% | 5,255 |
| Net loans and leases to total assets | 66.9298% | 2,297 |
| Net loans and leases to deposits | 88.2439% | 1,137 |
| Net loans and leases to core deposits | 96.0382% | 1,299 |
| Total domestic deposits to total assets | 75.8464% | 6,561 |
| Equity capital to assets | 11.1782% | 2,732 |
| Core capital (leverage) ratio | 9.9176% | 3,474 |
| Tier 1 risk-based capital ratio | 14.5476% | 4,063 |
| Total risk-based capital ratio | 15.8212% | 4,004 |
| Memoranda: | ||
| Average total assets | $2,570,774,500 | 280 |
| Average earning assets | $2,351,810,500 | 273 |
| Average equity | $287,389,000 | 277 |
| Average total loans | $1,747,906,000 | 265 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 4,471 |
| Cost of funding earning assets | 0.9763% | 3,531 |
| Net interest margin | 3.6695% | 4,434 |
| Noninterest income to average assets | 1.1452% | 1,000 |
| Noninterest expense to average assets | 3.2858% | 2,567 |
| Loan and lease loss provision to assets | 0.1777% | 4,413 |
| Net operating income to assets | 0.7186% | 3,397 |
| Return on assets (ROA) | 0.7341% | 3,495 |
| Pretax return on assets | 1.0558% | 3,017 |
| Return on Equity (ROE) | 6.6944% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.6944% | 1,644 |
| Net charge-offs to loans | 0.1878% | 4,644 |
| Credit loss provision to net charge-offs | 139.5422% | 2,117 |
| Earnings coverage of net charge-offs (x) | 9.5118% | 1,966 |
| Efficiency ratio | 72.7688% | 3,434 |
| Assets per employee ($millions) | 3.9632% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 3,666 |
| Loan loss allowance to noncurrent loans | 181.9413% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 5,418 |
| Noncurrent loans to loans | 0.8672% | 4,950 |
| Net loans and leases to total assets | 66.8755% | 2,615 |
| Net loans and leases to deposits | 88.1055% | 1,367 |
| Net loans and leases to core deposits | 96.5158% | 1,454 |
| Total domestic deposits to total assets | 75.9039% | 6,500 |
| Equity capital to assets | 11.1799% | 2,815 |
| Core capital (leverage) ratio | 9.8511% | 3,517 |
| Tier 1 risk-based capital ratio | 14.3527% | 4,077 |
| Total risk-based capital ratio | 15.6151% | 4,037 |
| Memoranda: | ||
| Average total assets | $2,503,900,200 | 280 |
| Average earning assets | $2,287,297,000 | 274 |
| Average equity | $274,559,400 | 281 |
| Average total loans | $1,698,098,000 | 268 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6839% | 4,531 |
| Cost of funding earning assets | 1.0084% | 3,623 |
| Net interest margin | 3.6755% | 4,444 |
| Noninterest income to average assets | 1.1556% | 982 |
| Noninterest expense to average assets | 3.2898% | 2,529 |
| Loan and lease loss provision to assets | 0.1900% | 4,131 |
| Net operating income to assets | 0.7228% | 3,493 |
| Return on assets (ROA) | 0.7235% | 3,672 |
| Pretax return on assets | 1.0348% | 3,268 |
| Return on Equity (ROE) | 6.6319% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.6319% | 2,178 |
| Net charge-offs to loans | 0.1819% | 4,343 |
| Credit loss provision to net charge-offs | 154.0799% | 2,015 |
| Earnings coverage of net charge-offs (x) | 9.9228% | 1,984 |
| Efficiency ratio | 72.5925% | 3,441 |
| Assets per employee ($millions) | 3.9143% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 3,723 |
| Loan loss allowance to noncurrent loans | 181.4803% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 5,551 |
| Noncurrent loans to loans | 0.8747% | 5,109 |
| Net loans and leases to total assets | 66.9447% | 2,684 |
| Net loans and leases to deposits | 88.1674% | 1,418 |
| Net loans and leases to core deposits | 96.5092% | 1,555 |
| Total domestic deposits to total assets | 75.9292% | 6,541 |
| Equity capital to assets | 11.1006% | 3,049 |
| Core capital (leverage) ratio | 9.6739% | 3,886 |
| Tier 1 risk-based capital ratio | 14.1599% | 4,228 |
| Total risk-based capital ratio | 15.4157% | 4,193 |
| Memoranda: | ||
| Average total assets | $2,490,811,500 | 280 |
| Average earning assets | $2,275,610,750 | 276 |
| Average equity | $271,752,250 | 286 |
| Average total loans | $1,688,394,250 | 266 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 4,535 |
| Cost of funding earning assets | 1.0483% | 3,616 |
| Net interest margin | 3.6521% | 4,512 |
| Noninterest income to average assets | 1.1415% | 993 |
| Noninterest expense to average assets | 3.2771% | 2,643 |
| Loan and lease loss provision to assets | 0.2141% | 3,774 |
| Net operating income to assets | 0.6902% | 3,592 |
| Return on assets (ROA) | 0.6912% | 3,702 |
| Pretax return on assets | 0.9889% | 3,280 |
| Return on Equity (ROE) | 6.3736% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.3736% | 2,204 |
| Net charge-offs to loans | 0.1696% | 4,160 |
| Credit loss provision to net charge-offs | 186.4884% | 1,618 |
| Earnings coverage of net charge-offs (x) | 10.4652% | 1,806 |
| Efficiency ratio | 72.8763% | 3,569 |
| Assets per employee ($millions) | 3.8888% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6096% | 3,656 |
| Loan loss allowance to noncurrent loans | 184.2612% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 5,666 |
| Noncurrent loans to loans | 0.8735% | 5,208 |
| Net loans and leases to total assets | 66.5007% | 2,930 |
| Net loans and leases to deposits | 91.3069% | 1,130 |
| Net loans and leases to core deposits | 100.6279% | 1,289 |
| Total domestic deposits to total assets | 72.8321% | 6,941 |
| Equity capital to assets | 10.9260% | 3,030 |
| Core capital (leverage) ratio | 9.6312% | 3,762 |
| Tier 1 risk-based capital ratio | 14.0206% | 4,159 |
| Total risk-based capital ratio | 15.2873% | 4,113 |
| Memoranda: | ||
| Average total assets | $2,475,602,670 | 285 |
| Average earning assets | $2,262,000,000 | 281 |
| Average equity | $268,483,000 | 290 |
| Average total loans | $1,676,058,670 | 273 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 4,424 |
| Cost of funding earning assets | 1.0792% | 3,659 |
| Net interest margin | 3.6416% | 4,363 |
| Noninterest income to average assets | 1.1358% | 1,013 |
| Noninterest expense to average assets | 3.2181% | 2,826 |
| Loan and lease loss provision to assets | 0.2851% | 2,867 |
| Net operating income to assets | 0.6678% | 3,674 |
| Return on assets (ROA) | 0.6676% | 3,747 |
| Pretax return on assets | 0.9546% | 3,303 |
| Return on Equity (ROE) | 6.1793% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.1793% | 2,535 |
| Net charge-offs to loans | 0.1904% | 3,358 |
| Credit loss provision to net charge-offs | 220.9596% | 1,373 |
| Earnings coverage of net charge-offs (x) | 9.6111% | 1,705 |
| Efficiency ratio | 71.8812% | 3,892 |
| Assets per employee ($millions) | 3.8658% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 3,598 |
| Loan loss allowance to noncurrent loans | 195.5904% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 5,783 |
| Noncurrent loans to loans | 0.8340% | 5,368 |
| Net loans and leases to total assets | 65.8510% | 3,054 |
| Net loans and leases to deposits | 90.1389% | 1,215 |
| Net loans and leases to core deposits | 99.6229% | 1,372 |
| Total domestic deposits to total assets | 73.0550% | 6,995 |
| Equity capital to assets | 10.7512% | 2,928 |
| Core capital (leverage) ratio | 9.7740% | 3,419 |
| Tier 1 risk-based capital ratio | 14.0627% | 4,031 |
| Total risk-based capital ratio | 15.3300% | 3,996 |
| Memoranda: | ||
| Average total assets | $2,455,391,500 | 290 |
| Average earning assets | $2,240,130,500 | 283 |
| Average equity | $265,274,500 | 289 |
| Average total loans | $1,663,814,500 | 280 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 3,797 |
| Cost of funding earning assets | 1.3128% | 3,797 |
| Net interest margin | 3.8485% | 3,738 |
| Noninterest income to average assets | 1.2297% | 1,001 |
| Noninterest expense to average assets | 3.3653% | 2,538 |
| Loan and lease loss provision to assets | 0.3236% | 4,222 |
| Net operating income to assets | 0.7294% | 3,103 |
| Return on assets (ROA) | 0.7419% | 3,158 |
| Pretax return on assets | 1.0624% | 2,725 |
| Return on Equity (ROE) | 6.8350% | 3,190 |
| Retained earnings to average equity (ytd only) | 6.7435% | 1,430 |
| Net charge-offs to loans | 0.2790% | 4,630 |
| Credit loss provision to net charge-offs | 166.0156% | 2,061 |
| Earnings coverage of net charge-offs (x) | 7.0180% | 2,221 |
| Efficiency ratio | 70.8012% | 4,018 |
| Assets per employee ($millions) | 3.8251% | 4,193 |
| Cash dividends to net income (ytd only)* | 1.3399% | 3,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 3,698 |
| Loan loss allowance to noncurrent loans | 172.3904% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 5,649 |
| Noncurrent loans to loans | 0.9102% | 5,235 |
| Net loans and leases to total assets | 67.5219% | 3,098 |
| Net loans and leases to deposits | 92.7825% | 1,163 |
| Net loans and leases to core deposits | 99.8638% | 1,630 |
| Total domestic deposits to total assets | 72.7744% | 7,019 |
| Equity capital to assets | 10.8574% | 2,809 |
| Core capital (leverage) ratio | 9.6796% | 3,457 |
| Tier 1 risk-based capital ratio | 13.7317% | 4,035 |
| Total risk-based capital ratio | 14.9937% | 4,005 |
| Memoranda: | ||
| Average total assets | $2,363,793,200 | 301 |
| Average earning assets | $2,152,040,200 | 297 |
| Average equity | $256,589,600 | 296 |
| Average total loans | $1,651,601,400 | 290 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2563% | 3,548 |
| Cost of funding earning assets | 1.3588% | 3,840 |
| Net interest margin | 3.8975% | 3,537 |
| Noninterest income to average assets | 1.2074% | 953 |
| Noninterest expense to average assets | 3.3828% | 2,349 |
| Loan and lease loss provision to assets | 0.3578% | 3,750 |
| Net operating income to assets | 0.7163% | 3,344 |
| Return on assets (ROA) | 0.7210% | 3,474 |
| Pretax return on assets | 1.0257% | 3,087 |
| Return on Equity (ROE) | 6.6428% | 3,513 |
| Retained earnings to average equity (ytd only) | 6.5198% | 2,079 |
| Net charge-offs to loans | 0.3091% | 4,103 |
| Credit loss provision to net charge-offs | 164.9215% | 2,279 |
| Earnings coverage of net charge-offs (x) | 6.3458% | 2,541 |
| Efficiency ratio | 70.7772% | 3,924 |
| Assets per employee ($millions) | 3.7532% | 4,386 |
| Cash dividends to net income (ytd only)* | 1.8511% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 3,652 |
| Loan loss allowance to noncurrent loans | 167.1305% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 5,785 |
| Noncurrent loans to loans | 0.9404% | 5,351 |
| Net loans and leases to total assets | 67.7531% | 3,283 |
| Net loans and leases to deposits | 91.3952% | 1,523 |
| Net loans and leases to core deposits | 98.8468% | 1,951 |
| Total domestic deposits to total assets | 74.1320% | 6,908 |
| Equity capital to assets | 11.1348% | 2,828 |
| Core capital (leverage) ratio | 9.6336% | 3,706 |
| Tier 1 risk-based capital ratio | 13.8215% | 3,961 |
| Total risk-based capital ratio | 15.0759% | 3,928 |
| Memoranda: | ||
| Average total assets | $2,347,508,750 | 302 |
| Average earning assets | $2,139,540,750 | 295 |
| Average equity | $254,807,250 | 293 |
| Average total loans | $1,647,950,750 | 287 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 3,364 |
| Cost of funding earning assets | 1.3983% | 3,884 |
| Net interest margin | 3.9233% | 3,340 |
| Noninterest income to average assets | 1.1596% | 956 |
| Noninterest expense to average assets | 3.3595% | 2,372 |
| Loan and lease loss provision to assets | 0.3886% | 3,388 |
| Net operating income to assets | 0.6970% | 3,420 |
| Return on assets (ROA) | 0.6998% | 3,563 |
| Pretax return on assets | 0.9907% | 3,152 |
| Return on Equity (ROE) | 6.5036% | 3,547 |
| Retained earnings to average equity (ytd only) | 6.3171% | 2,158 |
| Net charge-offs to loans | 0.3597% | 3,556 |
| Credit loss provision to net charge-offs | 152.8898% | 2,569 |
| Earnings coverage of net charge-offs (x) | 5.4113% | 2,671 |
| Efficiency ratio | 70.6553% | 4,048 |
| Assets per employee ($millions) | 3.7597% | 4,323 |
| Cash dividends to net income (ytd only)* | 2.8680% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 3,930 |
| Loan loss allowance to noncurrent loans | 146.4002% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 5,639 |
| Noncurrent loans to loans | 1.0256% | 5,257 |
| Net loans and leases to total assets | 69.2481% | 3,076 |
| Net loans and leases to deposits | 95.7249% | 1,075 |
| Net loans and leases to core deposits | 103.3452% | 1,697 |
| Total domestic deposits to total assets | 72.3407% | 7,153 |
| Equity capital to assets | 11.0591% | 2,798 |
| Core capital (leverage) ratio | 9.4466% | 3,901 |
| Tier 1 risk-based capital ratio | 13.4625% | 4,090 |
| Total risk-based capital ratio | 14.7160% | 4,058 |
| Memoranda: | ||
| Average total assets | $2,341,843,000 | 301 |
| Average earning assets | $2,134,047,670 | 295 |
| Average equity | $251,982,330 | 296 |
| Average total loans | $1,654,731,670 | 289 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3197% | 3,449 |
| Cost of funding earning assets | 1.4688% | 3,746 |
| Net interest margin | 3.8508% | 3,564 |
| Noninterest income to average assets | 1.1673% | 900 |
| Noninterest expense to average assets | 3.2534% | 2,692 |
| Loan and lease loss provision to assets | 0.4779% | 2,589 |
| Net operating income to assets | 0.6743% | 3,552 |
| Return on assets (ROA) | 0.6751% | 3,667 |
| Pretax return on assets | 0.9439% | 3,297 |
| Return on Equity (ROE) | 6.3620% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.3620% | 2,437 |
| Net charge-offs to loans | 0.5099% | 2,538 |
| Credit loss provision to net charge-offs | 132.3251% | 2,670 |
| Earnings coverage of net charge-offs (x) | 3.9338% | 2,743 |
| Efficiency ratio | 69.3007% | 4,446 |
| Assets per employee ($millions) | 3.8263% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 4,140 |
| Loan loss allowance to noncurrent loans | 165.5950% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 5,899 |
| Noncurrent loans to loans | 0.8802% | 5,557 |
| Net loans and leases to total assets | 69.2713% | 3,093 |
| Net loans and leases to deposits | 95.4311% | 1,177 |
| Net loans and leases to core deposits | 100.7258% | 2,056 |
| Total domestic deposits to total assets | 72.5878% | 7,208 |
| Equity capital to assets | 10.8097% | 2,945 |
| Core capital (leverage) ratio | 9.1615% | 4,281 |
| Tier 1 risk-based capital ratio | 13.1883% | 4,215 |
| Total risk-based capital ratio | 14.4465% | 4,168 |
| Memoranda: | ||
| Average total assets | $2,343,490,500 | 312 |
| Average earning assets | $2,134,190,500 | 307 |
| Average equity | $248,662,500 | 298 |
| Average total loans | $1,660,055,000 | 297 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6332% | 3,423 |
| Cost of funding earning assets | 1.7642% | 4,180 |
| Net interest margin | 3.8690% | 3,401 |
| Noninterest income to average assets | 1.1839% | 1,099 |
| Noninterest expense to average assets | 3.2393% | 3,240 |
| Loan and lease loss provision to assets | 0.5040% | 3,857 |
| Net operating income to assets | 0.6686% | 3,066 |
| Return on assets (ROA) | 0.7430% | 2,843 |
| Pretax return on assets | 1.0804% | 2,303 |
| Return on Equity (ROE) | 7.2094% | 2,705 |
| Retained earnings to average equity (ytd only) | 7.2094% | 897 |
| Net charge-offs to loans | 0.5135% | 3,725 |
| Credit loss provision to net charge-offs | 135.3508% | 3,662 |
| Earnings coverage of net charge-offs (x) | 3.9649% | 3,125 |
| Efficiency ratio | 68.3861% | 4,948 |
| Assets per employee ($millions) | 3.8825% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,389 |
| Loan loss allowance to noncurrent loans | 108.0555% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.9339% | 5,237 |
| Noncurrent loans to loans | 1.2675% | 4,813 |
| Net loans and leases to total assets | 70.3908% | 3,162 |
| Net loans and leases to deposits | 97.0475% | 1,204 |
| Net loans and leases to core deposits | 108.8954% | 3,013 |
| Total domestic deposits to total assets | 72.5322% | 7,202 |
| Equity capital to assets | 10.4154% | 3,266 |
| Core capital (leverage) ratio | 9.1455% | 4,207 |
| Tier 1 risk-based capital ratio | 12.5655% | 4,470 |
| Total risk-based capital ratio | 13.8201% | 4,407 |
| Memoranda: | ||
| Average total assets | $2,311,487,200 | 313 |
| Average earning assets | $2,110,145,400 | 313 |
| Average equity | $238,230,600 | 298 |
| Average total loans | $1,676,425,800 | 306 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6668% | 3,490 |
| Cost of funding earning assets | 1.8211% | 4,283 |
| Net interest margin | 3.8457% | 3,454 |
| Noninterest income to average assets | 1.1721% | 1,142 |
| Noninterest expense to average assets | 3.2648% | 3,054 |
| Loan and lease loss provision to assets | 0.4322% | 3,745 |
| Net operating income to assets | 0.6797% | 3,277 |
| Return on assets (ROA) | 0.6991% | 3,270 |
| Pretax return on assets | 1.0162% | 2,852 |
| Return on Equity (ROE) | 6.8014% | 3,165 |
| Retained earnings to average equity (ytd only) | 6.8014% | 1,589 |
| Net charge-offs to loans | 0.4650% | 3,360 |
| Credit loss provision to net charge-offs | 127.6341% | 3,935 |
| Earnings coverage of net charge-offs (x) | 4.1944% | 3,226 |
| Efficiency ratio | 69.3768% | 4,717 |
| Assets per employee ($millions) | 3.8584% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,498 |
| Loan loss allowance to noncurrent loans | 149.7996% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 5,832 |
| Noncurrent loans to loans | 0.8679% | 5,552 |
| Net loans and leases to total assets | 71.8195% | 3,079 |
| Net loans and leases to deposits | 101.0007% | 1,014 |
| Net loans and leases to core deposits | 109.2802% | 3,313 |
| Total domestic deposits to total assets | 71.1079% | 7,323 |
| Equity capital to assets | 10.6858% | 3,306 |
| Core capital (leverage) ratio | 8.9038% | 4,807 |
| Tier 1 risk-based capital ratio | 12.3842% | 4,644 |
| Total risk-based capital ratio | 13.6350% | 4,586 |
| Memoranda: | ||
| Average total assets | $2,298,249,750 | 325 |
| Average earning assets | $2,099,434,000 | 326 |
| Average equity | $236,221,750 | 310 |
| Average total loans | $1,673,668,000 | 321 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6798% | 3,663 |
| Cost of funding earning assets | 1.8599% | 4,469 |
| Net interest margin | 3.8198% | 3,462 |
| Noninterest income to average assets | 1.1656% | 1,154 |
| Noninterest expense to average assets | 3.2449% | 3,170 |
| Loan and lease loss provision to assets | 0.4651% | 3,196 |
| Net operating income to assets | 0.6475% | 3,474 |
| Return on assets (ROA) | 0.6762% | 3,473 |
| Pretax return on assets | 0.9874% | 3,058 |
| Return on Equity (ROE) | 6.6662% | 3,352 |
| Retained earnings to average equity (ytd only) | 6.6662% | 1,712 |
| Net charge-offs to loans | 0.5427% | 2,699 |
| Credit loss provision to net charge-offs | 117.6600% | 3,949 |
| Earnings coverage of net charge-offs (x) | 3.5678% | 3,388 |
| Efficiency ratio | 69.3940% | 4,904 |
| Assets per employee ($millions) | 3.9323% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 4,554 |
| Loan loss allowance to noncurrent loans | 185.2983% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 6,156 |
| Noncurrent loans to loans | 0.6791% | 5,892 |
| Net loans and leases to total assets | 70.1182% | 3,678 |
| Net loans and leases to deposits | 97.5999% | 1,583 |
| Net loans and leases to core deposits | 104.1290% | 4,050 |
| Total domestic deposits to total assets | 71.8425% | 7,257 |
| Equity capital to assets | 10.1148% | 3,800 |
| Core capital (leverage) ratio | 8.8539% | 4,855 |
| Tier 1 risk-based capital ratio | 11.5830% | 5,299 |
| Total risk-based capital ratio | 12.7884% | 5,270 |
| Memoranda: | ||
| Average total assets | $2,300,367,330 | 332 |
| Average earning assets | $2,101,563,000 | 332 |
| Average equity | $233,326,670 | 316 |
| Average total loans | $1,675,654,000 | 327 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7597% | 3,484 |
| Cost of funding earning assets | 1.8856% | 4,709 |
| Net interest margin | 3.8740% | 3,168 |
| Noninterest income to average assets | 1.1422% | 1,132 |
| Noninterest expense to average assets | 3.0901% | 3,413 |
| Loan and lease loss provision to assets | 0.5695% | 2,211 |
| Net operating income to assets | 0.6918% | 3,599 |
| Return on assets (ROA) | 0.7433% | 3,558 |
| Pretax return on assets | 1.1003% | 2,987 |
| Return on Equity (ROE) | 7.3183% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.3183% | 2,090 |
| Net charge-offs to loans | 0.6560% | 1,872 |
| Credit loss provision to net charge-offs | 117.6684% | 3,322 |
| Earnings coverage of net charge-offs (x) | 3.2933% | 3,219 |
| Efficiency ratio | 65.6603% | 5,395 |
| Assets per employee ($millions) | 3.8101% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 4,571 |
| Loan loss allowance to noncurrent loans | 263.4837% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 6,391 |
| Noncurrent loans to loans | 0.4676% | 6,246 |
| Net loans and leases to total assets | 72.8126% | 3,049 |
| Net loans and leases to deposits | 106.4425% | 830 |
| Net loans and leases to core deposits | 115.1488% | 2,892 |
| Total domestic deposits to total assets | 68.4055% | 7,564 |
| Equity capital to assets | 10.3696% | 3,593 |
| Core capital (leverage) ratio | 8.7612% | 5,044 |
| Tier 1 risk-based capital ratio | 11.7877% | 5,135 |
| Total risk-based capital ratio | 13.0281% | 5,064 |
| Memoranda: | ||
| Average total assets | $2,282,643,500 | 334 |
| Average earning assets | $2,086,925,500 | 332 |
| Average equity | $231,858,500 | 322 |
| Average total loans | $1,684,129,500 | 326 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2859% | 4,045 |
| Cost of funding earning assets | 2.5736% | 3,829 |
| Net interest margin | 3.7123% | 4,420 |
| Noninterest income to average assets | 1.1734% | 1,119 |
| Noninterest expense to average assets | 3.0952% | 3,708 |
| Loan and lease loss provision to assets | 0.4051% | 3,256 |
| Net operating income to assets | 0.7310% | 3,751 |
| Return on assets (ROA) | 0.7446% | 3,537 |
| Pretax return on assets | 1.0714% | 3,134 |
| Return on Equity (ROE) | 7.8909% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.8909% | 879 |
| Net charge-offs to loans | 0.5020% | 2,353 |
| Credit loss provision to net charge-offs | 108.9468% | 4,942 |
| Earnings coverage of net charge-offs (x) | 3.9179% | 4,182 |
| Efficiency ratio | 67.6779% | 4,778 |
| Assets per employee ($millions) | 3.9554% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 4,701 |
| Loan loss allowance to noncurrent loans | 309.5635% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 6,184 |
| Noncurrent loans to loans | 0.3814% | 6,204 |
| Net loans and leases to total assets | 72.9659% | 3,366 |
| Net loans and leases to deposits | 110.4564% | 805 |
| Net loans and leases to core deposits | 119.5881% | 2,734 |
| Total domestic deposits to total assets | 66.0586% | 7,656 |
| Equity capital to assets | 9.9489% | 4,104 |
| Core capital (leverage) ratio | 8.4170% | 5,719 |
| Tier 1 risk-based capital ratio | 11.1510% | 5,598 |
| Total risk-based capital ratio | 12.3349% | 5,537 |
| Memoranda: | ||
| Average total assets | $2,290,456,200 | 318 |
| Average earning assets | $2,084,602,000 | 318 |
| Average equity | $216,136,400 | 346 |
| Average total loans | $1,696,642,800 | 319 |