Home > Bank of Colorado > Performance and Condition Ratios
Bank of Colorado, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 3,847 |
| Cost of funding earning assets | 2.1990% | 1,648 |
| Net interest margin | 2.2543% | 4,118 |
| Noninterest income to average assets | 0.3500% | 2,689 |
| Noninterest expense to average assets | 1.6455% | 4,148 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.6753% | 2,992 |
| Return on assets (ROA) | 0.6737% | 3,027 |
| Pretax return on assets | 0.8259% | 2,939 |
| Return on Equity (ROE) | 9.2800% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.2794% | 1,033 |
| Net charge-offs to loans | 0.0549% | 1,228 |
| Credit loss provision to net charge-offs | 96.4800% | 1,533 |
| Earnings coverage of net charge-offs (x) | 25.6856% | 1,492 |
| Efficiency ratio | 65.5301% | 2,601 |
| Assets per employee ($millions) | 10.9640% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 1,979 |
| Loan loss allowance to noncurrent loans | 6,150.8995% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,631 |
| Noncurrent loans to loans | 0.0203% | 3,633 |
| Net loans and leases to total assets | 59.9400% | 2,961 |
| Net loans and leases to deposits | 74.7696% | 2,642 |
| Net loans and leases to core deposits | 81.9437% | 2,675 |
| Total domestic deposits to total assets | 80.1700% | 3,421 |
| Equity capital to assets | 7.2626% | 3,830 |
| Core capital (leverage) ratio | 8.6079% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6325% | 1,361 |
| Memoranda: | ||
| Average total assets | $7,454,816,667 | 209 |
| Average earning assets | $7,148,598,000 | 194 |
| Average equity | $541,266,333 | 265 |
| Average total loans | $4,556,194,333 | 220 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 3,779 |
| Cost of funding earning assets | 2.2119% | 1,532 |
| Net interest margin | 2.2240% | 4,162 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 1.6285% | 4,161 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.6736% | 2,922 |
| Return on assets (ROA) | 0.6703% | 2,955 |
| Pretax return on assets | 0.8052% | 2,908 |
| Return on Equity (ROE) | 9.2300% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.2337% | 1,267 |
| Net charge-offs to loans | 0.0323% | 1,237 |
| Credit loss provision to net charge-offs | 158.7912% | 913 |
| Earnings coverage of net charge-offs (x) | 42.2527% | 1,020 |
| Efficiency ratio | 65.9570% | 2,600 |
| Assets per employee ($millions) | 11.1525% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 1,797 |
| Loan loss allowance to noncurrent loans | 2,414.5575% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,491 |
| Noncurrent loans to loans | 0.0534% | 3,371 |
| Net loans and leases to total assets | 58.9900% | 2,967 |
| Net loans and leases to deposits | 73.0823% | 2,672 |
| Net loans and leases to core deposits | 80.3376% | 2,702 |
| Total domestic deposits to total assets | 80.7200% | 3,422 |
| Equity capital to assets | 7.1137% | 3,852 |
| Core capital (leverage) ratio | 8.5149% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5760% | 1,377 |
| Memoranda: | ||
| Average total assets | $7,355,797,000 | 212 |
| Average earning assets | $7,047,504,000 | 199 |
| Average equity | $534,001,500 | 272 |
| Average total loans | $4,511,572,500 | 226 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 3,944 |
| Cost of funding earning assets | 1.5637% | 1,784 |
| Net interest margin | 2.4520% | 4,142 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 1.8032% | 4,000 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6432% | 3,330 |
| Return on assets (ROA) | 0.6408% | 3,316 |
| Pretax return on assets | 0.8256% | 3,151 |
| Return on Equity (ROE) | 8.9300% | 2,773 |
| Retained earnings to average equity (ytd only) | 5.2494% | 2,508 |
| Net charge-offs to loans | 0.0301% | 1,703 |
| Credit loss provision to net charge-offs | 387.1189% | 798 |
| Earnings coverage of net charge-offs (x) | 46.5633% | 1,338 |
| Efficiency ratio | 66.6650% | 2,265 |
| Assets per employee ($millions) | 10.4068% | 633 |
| Cash dividends to net income (ytd only)* | 41.2012% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 1,798 |
| Loan loss allowance to noncurrent loans | 2,512.7430% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,433 |
| Noncurrent loans to loans | 0.0515% | 3,355 |
| Net loans and leases to total assets | 62.1900% | 2,657 |
| Net loans and leases to deposits | 71.6608% | 2,774 |
| Net loans and leases to core deposits | 78.5739% | 2,792 |
| Total domestic deposits to total assets | 86.7800% | 1,760 |
| Equity capital to assets | 7.4144% | 3,761 |
| Core capital (leverage) ratio | 8.7853% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0874% | 1,510 |
| Memoranda: | ||
| Average total assets | $6,817,262,000 | 217 |
| Average earning assets | $6,507,936,800 | 206 |
| Average equity | $489,348,000 | 270 |
| Average total loans | $4,352,036,800 | 221 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 3,973 |
| Cost of funding earning assets | 1.4236% | 1,800 |
| Net interest margin | 2.4944% | 4,149 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.8428% | 3,892 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.6509% | 3,427 |
| Return on assets (ROA) | 0.6477% | 3,427 |
| Pretax return on assets | 0.8350% | 3,253 |
| Return on Equity (ROE) | 9.1000% | 2,897 |
| Retained earnings to average equity (ytd only) | 6.3211% | 2,529 |
| Net charge-offs to loans | 0.0289% | 1,497 |
| Credit loss provision to net charge-offs | 358.6724% | 779 |
| Earnings coverage of net charge-offs (x) | 48.9775% | 1,326 |
| Efficiency ratio | 66.9120% | 2,158 |
| Assets per employee ($millions) | 10.1891% | 623 |
| Cash dividends to net income (ytd only)* | 30.5567% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 1,696 |
| Loan loss allowance to noncurrent loans | 2,246.2268% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 3,038 |
| Noncurrent loans to loans | 0.0597% | 3,328 |
| Net loans and leases to total assets | 62.6300% | 2,594 |
| Net loans and leases to deposits | 73.0256% | 2,645 |
| Net loans and leases to core deposits | 78.8204% | 2,687 |
| Total domestic deposits to total assets | 85.7600% | 2,266 |
| Equity capital to assets | 6.9448% | 3,641 |
| Core capital (leverage) ratio | 9.1033% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9875% | 1,570 |
| Memoranda: | ||
| Average total assets | $6,736,815,250 | 217 |
| Average earning assets | $6,429,490,500 | 207 |
| Average equity | $479,356,250 | 275 |
| Average total loans | $4,315,595,750 | 226 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8302% | 3,982 |
| Cost of funding earning assets | 1.2552% | 1,836 |
| Net interest margin | 2.5749% | 4,136 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.8876% | 3,843 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.6504% | 3,457 |
| Return on assets (ROA) | 0.6455% | 3,483 |
| Pretax return on assets | 0.8283% | 3,333 |
| Return on Equity (ROE) | 9.0000% | 2,989 |
| Retained earnings to average equity (ytd only) | 4.8130% | 2,988 |
| Net charge-offs to loans | 0.0424% | 1,086 |
| Credit loss provision to net charge-offs | 314.2227% | 844 |
| Earnings coverage of net charge-offs (x) | 33.7916% | 1,492 |
| Efficiency ratio | 67.0726% | 2,100 |
| Assets per employee ($millions) | 9.5642% | 762 |
| Cash dividends to net income (ytd only)* | 46.5030% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 1,795 |
| Loan loss allowance to noncurrent loans | 2,714.0878% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 2,990 |
| Noncurrent loans to loans | 0.0491% | 3,361 |
| Net loans and leases to total assets | 64.6800% | 2,313 |
| Net loans and leases to deposits | 76.1250% | 2,303 |
| Net loans and leases to core deposits | 80.8273% | 2,420 |
| Total domestic deposits to total assets | 84.9600% | 2,547 |
| Equity capital to assets | 7.2032% | 3,690 |
| Core capital (leverage) ratio | 9.1230% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9412% | 1,588 |
| Memoranda: | ||
| Average total assets | $6,662,706,667 | 218 |
| Average earning assets | $6,363,405,333 | 205 |
| Average equity | $478,043,333 | 269 |
| Average total loans | $4,281,619,667 | 219 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 3,981 |
| Cost of funding earning assets | 1.0611% | 1,856 |
| Net interest margin | 2.6681% | 4,118 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.9275% | 3,800 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6972% | 3,476 |
| Return on assets (ROA) | 0.6874% | 3,452 |
| Pretax return on assets | 0.8780% | 3,293 |
| Return on Equity (ROE) | 9.6000% | 2,895 |
| Retained earnings to average equity (ytd only) | 1.1708% | 3,842 |
| Net charge-offs to loans | 0.0422% | 935 |
| Credit loss provision to net charge-offs | 224.7191% | 780 |
| Earnings coverage of net charge-offs (x) | 35.3978% | 1,238 |
| Efficiency ratio | 66.7631% | 2,117 |
| Assets per employee ($millions) | 9.5747% | 784 |
| Cash dividends to net income (ytd only)* | 87.8040% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 1,835 |
| Loan loss allowance to noncurrent loans | 2,041.7082% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 2,904 |
| Noncurrent loans to loans | 0.0660% | 3,259 |
| Net loans and leases to total assets | 63.1500% | 2,345 |
| Net loans and leases to deposits | 71.5624% | 2,503 |
| Net loans and leases to core deposits | 74.7974% | 2,617 |
| Total domestic deposits to total assets | 88.2400% | 1,841 |
| Equity capital to assets | 7.3040% | 3,671 |
| Core capital (leverage) ratio | 9.0613% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0489% | 1,611 |
| Memoranda: | ||
| Average total assets | $6,627,459,500 | 225 |
| Average earning assets | $6,335,477,000 | 212 |
| Average equity | $474,563,500 | 276 |
| Average total loans | $4,215,596,000 | 231 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 3,692 |
| Cost of funding earning assets | 0.2439% | 3,377 |
| Net interest margin | 3.0135% | 3,415 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.8289% | 3,974 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.9986% | 2,570 |
| Return on assets (ROA) | 0.9978% | 2,524 |
| Pretax return on assets | 1.3010% | 2,083 |
| Return on Equity (ROE) | 13.7500% | 1,587 |
| Retained earnings to average equity (ytd only) | 13.7460% | 416 |
| Net charge-offs to loans | 0.0051% | 2,245 |
| Credit loss provision to net charge-offs | 5,653.2663% | 126 |
| Earnings coverage of net charge-offs (x) | 491.7035% | 335 |
| Efficiency ratio | 55.0720% | 3,675 |
| Assets per employee ($millions) | 9.4834% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 1,645 |
| Loan loss allowance to noncurrent loans | 993.8254% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 2,943 |
| Noncurrent loans to loans | 0.1370% | 2,828 |
| Net loans and leases to total assets | 62.3400% | 2,399 |
| Net loans and leases to deposits | 69.7142% | 2,603 |
| Net loans and leases to core deposits | 71.6992% | 2,748 |
| Total domestic deposits to total assets | 89.4200% | 1,589 |
| Equity capital to assets | 7.0159% | 3,659 |
| Core capital (leverage) ratio | 9.0330% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1598% | 1,583 |
| Memoranda: | ||
| Average total assets | $6,651,455,200 | 221 |
| Average earning assets | $6,380,106,000 | 211 |
| Average equity | $482,837,600 | 270 |
| Average total loans | $3,868,307,800 | 232 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1337% | 3,594 |
| Cost of funding earning assets | 0.1412% | 3,929 |
| Net interest margin | 2.9924% | 3,235 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.8316% | 3,920 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.0063% | 2,461 |
| Return on assets (ROA) | 1.0053% | 2,429 |
| Pretax return on assets | 1.3060% | 2,031 |
| Return on Equity (ROE) | 13.7300% | 1,503 |
| Retained earnings to average equity (ytd only) | 13.7346% | 503 |
| Net charge-offs to loans | 0.0049% | 2,000 |
| Credit loss provision to net charge-offs | 5,935.2518% | 93 |
| Earnings coverage of net charge-offs (x) | 529.4029% | 300 |
| Efficiency ratio | 55.0900% | 3,711 |
| Assets per employee ($millions) | 9.6898% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,849 |
| Loan loss allowance to noncurrent loans | 1,109.9506% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 3,163 |
| Noncurrent loans to loans | 0.1206% | 3,044 |
| Net loans and leases to total assets | 59.7400% | 2,528 |
| Net loans and leases to deposits | 65.8623% | 2,731 |
| Net loans and leases to core deposits | 67.5016% | 2,842 |
| Total domestic deposits to total assets | 90.7000% | 1,364 |
| Equity capital to assets | 6.4806% | 3,747 |
| Core capital (leverage) ratio | 8.6950% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9834% | 1,716 |
| Memoranda: | ||
| Average total assets | $6,664,199,750 | 223 |
| Average earning assets | $6,398,176,750 | 211 |
| Average equity | $487,776,000 | 272 |
| Average total loans | $3,792,498,000 | 234 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0058% | 3,546 |
| Cost of funding earning assets | 0.1013% | 4,177 |
| Net interest margin | 2.9046% | 3,156 |
| Noninterest income to average assets | 0.4347% | 2,541 |
| Noninterest expense to average assets | 1.8374% | 3,867 |
| Loan and lease loss provision to assets | 0.1574% | 595 |
| Net operating income to assets | 0.9522% | 2,351 |
| Return on assets (ROA) | 0.9507% | 2,330 |
| Pretax return on assets | 1.2317% | 1,954 |
| Return on Equity (ROE) | 12.5124% | 1,523 |
| Retained earnings to average equity (ytd only) | 12.5124% | 527 |
| Net charge-offs to loans | -0.0016% | 3,085 |
| Credit loss provision to net charge-offs | -18,103.4483% | 3,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5564% | 3,719 |
| Assets per employee ($millions) | 9.3377% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 2,085 |
| Loan loss allowance to noncurrent loans | 1,090.7051% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,269 |
| Noncurrent loans to loans | 0.1213% | 3,123 |
| Net loans and leases to total assets | 56.8694% | 2,657 |
| Net loans and leases to deposits | 63.2461% | 2,786 |
| Net loans and leases to core deposits | 64.7263% | 2,913 |
| Total domestic deposits to total assets | 89.9176% | 1,743 |
| Equity capital to assets | 6.9604% | 3,793 |
| Core capital (leverage) ratio | 8.4960% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0221% | 1,698 |
| Memoranda: | ||
| Average total assets | $6,669,873,000 | 221 |
| Average earning assets | $6,415,422,000 | 212 |
| Average equity | $506,776,667 | 264 |
| Average total loans | $3,715,132,667 | 234 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9080% | 3,514 |
| Cost of funding earning assets | 0.0962% | 4,182 |
| Net interest margin | 2.8118% | 3,104 |
| Noninterest income to average assets | 0.4449% | 2,414 |
| Noninterest expense to average assets | 1.8673% | 3,759 |
| Loan and lease loss provision to assets | 0.1352% | 599 |
| Net operating income to assets | 0.8938% | 2,298 |
| Return on assets (ROA) | 0.8936% | 2,301 |
| Pretax return on assets | 1.1522% | 1,972 |
| Return on Equity (ROE) | 11.2846% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.2846% | 726 |
| Net charge-offs to loans | 0.0085% | 1,439 |
| Credit loss provision to net charge-offs | 2,922.0779% | 152 |
| Earnings coverage of net charge-offs (x) | 278.3247% | 339 |
| Efficiency ratio | 58.8204% | 3,600 |
| Assets per employee ($millions) | 9.3223% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 2,356 |
| Loan loss allowance to noncurrent loans | 678.5421% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 3,077 |
| Noncurrent loans to loans | 0.1918% | 2,859 |
| Net loans and leases to total assets | 53.9424% | 2,766 |
| Net loans and leases to deposits | 60.3131% | 2,875 |
| Net loans and leases to core deposits | 61.8416% | 2,982 |
| Total domestic deposits to total assets | 89.4373% | 1,854 |
| Equity capital to assets | 7.2462% | 4,077 |
| Core capital (leverage) ratio | 8.5503% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9841% | 1,798 |
| Memoranda: | ||
| Average total assets | $6,657,252,500 | 224 |
| Average earning assets | $6,416,279,000 | 214 |
| Average equity | $527,163,000 | 265 |
| Average total loans | $3,643,440,500 | 237 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2320% | 3,398 |
| Cost of funding earning assets | 0.1322% | 4,136 |
| Net interest margin | 3.0999% | 2,902 |
| Noninterest income to average assets | 0.6257% | 2,046 |
| Noninterest expense to average assets | 1.8804% | 3,967 |
| Loan and lease loss provision to assets | 0.0317% | 2,413 |
| Net operating income to assets | 1.2997% | 1,600 |
| Return on assets (ROA) | 1.2998% | 1,645 |
| Pretax return on assets | 1.7033% | 1,140 |
| Return on Equity (ROE) | 14.5335% | 1,061 |
| Retained earnings to average equity (ytd only) | 14.5335% | 265 |
| Net charge-offs to loans | 0.0039% | 2,472 |
| Credit loss provision to net charge-offs | 1,466.1654% | 395 |
| Earnings coverage of net charge-offs (x) | 802.6015% | 187 |
| Efficiency ratio | 51.6665% | 4,144 |
| Assets per employee ($millions) | 9.3520% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,498 |
| Loan loss allowance to noncurrent loans | 378.3252% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 2,647 |
| Noncurrent loans to loans | 0.3357% | 2,381 |
| Net loans and leases to total assets | 54.1099% | 2,838 |
| Net loans and leases to deposits | 61.6298% | 2,921 |
| Net loans and leases to core deposits | 63.3673% | 3,039 |
| Total domestic deposits to total assets | 87.7983% | 2,151 |
| Equity capital to assets | 8.6080% | 3,986 |
| Core capital (leverage) ratio | 8.4558% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0957% | 1,813 |
| Memoranda: | ||
| Average total assets | $6,152,999,200 | 225 |
| Average earning assets | $5,933,917,000 | 215 |
| Average equity | $550,274,600 | 257 |
| Average total loans | $3,435,604,800 | 246 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 3,356 |
| Cost of funding earning assets | 0.1423% | 4,177 |
| Net interest margin | 3.1699% | 2,831 |
| Noninterest income to average assets | 0.6158% | 2,145 |
| Noninterest expense to average assets | 1.8703% | 4,007 |
| Loan and lease loss provision to assets | 0.0298% | 2,401 |
| Net operating income to assets | 1.3536% | 1,679 |
| Return on assets (ROA) | 1.3536% | 1,735 |
| Pretax return on assets | 1.7703% | 1,235 |
| Return on Equity (ROE) | 14.9834% | 1,142 |
| Retained earnings to average equity (ytd only) | 14.9834% | 397 |
| Net charge-offs to loans | 0.0034% | 2,224 |
| Credit loss provision to net charge-offs | 1,569.7674% | 387 |
| Earnings coverage of net charge-offs (x) | 949.3953% | 173 |
| Efficiency ratio | 50.6109% | 4,163 |
| Assets per employee ($millions) | 9.1395% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,469 |
| Loan loss allowance to noncurrent loans | 382.7718% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 2,876 |
| Noncurrent loans to loans | 0.3403% | 2,565 |
| Net loans and leases to total assets | 53.6231% | 3,014 |
| Net loans and leases to deposits | 61.1076% | 3,130 |
| Net loans and leases to core deposits | 62.9248% | 3,228 |
| Total domestic deposits to total assets | 87.7519% | 1,974 |
| Equity capital to assets | 8.8649% | 3,952 |
| Core capital (leverage) ratio | 8.3619% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1241% | 1,923 |
| Memoranda: | ||
| Average total assets | $6,047,631,000 | 229 |
| Average earning assets | $5,827,684,250 | 218 |
| Average equity | $546,361,000 | 258 |
| Average total loans | $3,393,704,500 | 250 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4250% | 3,100 |
| Cost of funding earning assets | 0.1540% | 4,176 |
| Net interest margin | 3.2710% | 2,548 |
| Noninterest income to average assets | 0.7217% | 1,740 |
| Noninterest expense to average assets | 1.9791% | 3,763 |
| Loan and lease loss provision to assets | 0.0322% | 2,339 |
| Net operating income to assets | 1.4235% | 1,507 |
| Return on assets (ROA) | 1.4235% | 1,574 |
| Pretax return on assets | 1.8625% | 1,093 |
| Return on Equity (ROE) | 15.6512% | 1,030 |
| Retained earnings to average equity (ytd only) | 15.6512% | 365 |
| Net charge-offs to loans | 0.0047% | 1,978 |
| Credit loss provision to net charge-offs | 1,210.1266% | 412 |
| Earnings coverage of net charge-offs (x) | 711.5696% | 194 |
| Efficiency ratio | 50.7561% | 4,167 |
| Assets per employee ($millions) | 8.9609% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,344 |
| Loan loss allowance to noncurrent loans | 308.9744% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 2,765 |
| Noncurrent loans to loans | 0.4269% | 2,399 |
| Net loans and leases to total assets | 53.6907% | 3,168 |
| Net loans and leases to deposits | 61.2673% | 3,275 |
| Net loans and leases to core deposits | 63.1195% | 3,367 |
| Total domestic deposits to total assets | 87.6335% | 2,025 |
| Equity capital to assets | 8.8878% | 3,904 |
| Core capital (leverage) ratio | 8.4055% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1051% | 1,940 |
| Memoranda: | ||
| Average total assets | $5,934,005,333 | 231 |
| Average earning assets | $5,718,282,667 | 219 |
| Average equity | $539,702,333 | 259 |
| Average total loans | $3,367,963,000 | 251 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5672% | 2,739 |
| Cost of funding earning assets | 0.1689% | 4,171 |
| Net interest margin | 3.3983% | 2,118 |
| Noninterest income to average assets | 0.7895% | 1,609 |
| Noninterest expense to average assets | 2.0483% | 3,566 |
| Loan and lease loss provision to assets | 0.0012% | 2,732 |
| Net operating income to assets | 1.5317% | 1,261 |
| Return on assets (ROA) | 1.5316% | 1,322 |
| Pretax return on assets | 2.0114% | 927 |
| Return on Equity (ROE) | 16.6354% | 904 |
| Retained earnings to average equity (ytd only) | 16.6354% | 452 |
| Net charge-offs to loans | 0.0047% | 1,744 |
| Credit loss provision to net charge-offs | 46.1538% | 1,326 |
| Earnings coverage of net charge-offs (x) | 745.5128% | 125 |
| Efficiency ratio | 50.1108% | 4,178 |
| Assets per employee ($millions) | 8.4666% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,508 |
| Loan loss allowance to noncurrent loans | 206.9050% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 2,268 |
| Noncurrent loans to loans | 0.6208% | 2,013 |
| Net loans and leases to total assets | 56.8858% | 2,930 |
| Net loans and leases to deposits | 65.4557% | 2,982 |
| Net loans and leases to core deposits | 67.6140% | 3,092 |
| Total domestic deposits to total assets | 86.9073% | 2,344 |
| Equity capital to assets | 9.0334% | 3,645 |
| Core capital (leverage) ratio | 8.5846% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9964% | 1,899 |
| Memoranda: | ||
| Average total assets | $5,778,120,500 | 241 |
| Average earning assets | $5,562,772,000 | 224 |
| Average equity | $531,997,000 | 257 |
| Average total loans | $3,352,830,000 | 252 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6686% | 3,658 |
| Cost of funding earning assets | 0.3371% | 3,939 |
| Net interest margin | 3.3315% | 2,977 |
| Noninterest income to average assets | 0.7108% | 1,829 |
| Noninterest expense to average assets | 2.1634% | 3,774 |
| Loan and lease loss provision to assets | 0.1015% | 3,063 |
| Net operating income to assets | 1.2541% | 1,372 |
| Return on assets (ROA) | 1.2541% | 1,478 |
| Pretax return on assets | 1.6325% | 999 |
| Return on Equity (ROE) | 12.9031% | 1,068 |
| Retained earnings to average equity (ytd only) | 11.0717% | 428 |
| Net charge-offs to loans | 0.0044% | 3,200 |
| Credit loss provision to net charge-offs | 3,829.1045% | 275 |
| Earnings coverage of net charge-offs (x) | 654.2687% | 175 |
| Efficiency ratio | 55.0396% | 4,088 |
| Assets per employee ($millions) | 8.2181% | 964 |
| Cash dividends to net income (ytd only)* | 14.1933% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 2,243 |
| Loan loss allowance to noncurrent loans | 172.7351% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 2,221 |
| Noncurrent loans to loans | 0.7744% | 1,779 |
| Net loans and leases to total assets | 57.6672% | 3,127 |
| Net loans and leases to deposits | 66.9494% | 3,191 |
| Net loans and leases to core deposits | 69.4193% | 3,289 |
| Total domestic deposits to total assets | 86.1355% | 2,311 |
| Equity capital to assets | 9.3905% | 3,707 |
| Core capital (leverage) ratio | 8.5850% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6143% | 2,008 |
| Memoranda: | ||
| Average total assets | $5,056,245,000 | 250 |
| Average earning assets | $4,836,327,200 | 240 |
| Average equity | $491,431,800 | 263 |
| Average total loans | $3,019,303,800 | 261 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7113% | 3,777 |
| Cost of funding earning assets | 0.3845% | 3,897 |
| Net interest margin | 3.3268% | 3,111 |
| Noninterest income to average assets | 0.6585% | 1,954 |
| Noninterest expense to average assets | 2.1572% | 3,788 |
| Loan and lease loss provision to assets | 0.0972% | 3,110 |
| Net operating income to assets | 1.2158% | 1,593 |
| Return on assets (ROA) | 1.2158% | 1,717 |
| Pretax return on assets | 1.5820% | 1,230 |
| Return on Equity (ROE) | 12.3897% | 1,278 |
| Retained earnings to average equity (ytd only) | 11.0075% | 575 |
| Net charge-offs to loans | 0.0036% | 3,037 |
| Credit loss provision to net charge-offs | 4,476.2500% | 253 |
| Earnings coverage of net charge-offs (x) | 773.6875% | 155 |
| Efficiency ratio | 55.7129% | 3,953 |
| Assets per employee ($millions) | 7.9508% | 1,016 |
| Cash dividends to net income (ytd only)* | 11.1557% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,254 |
| Loan loss allowance to noncurrent loans | 210.9675% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 2,642 |
| Noncurrent loans to loans | 0.6054% | 2,287 |
| Net loans and leases to total assets | 61.6001% | 3,057 |
| Net loans and leases to deposits | 72.0633% | 3,123 |
| Net loans and leases to core deposits | 74.7929% | 3,256 |
| Total domestic deposits to total assets | 85.4805% | 2,254 |
| Equity capital to assets | 9.6893% | 3,526 |
| Core capital (leverage) ratio | 8.6671% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7981% | 1,894 |
| Memoranda: | ||
| Average total assets | $4,915,012,250 | 249 |
| Average earning assets | $4,694,725,250 | 240 |
| Average equity | $482,326,000 | 264 |
| Average total loans | $2,952,749,000 | 265 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 4,081 |
| Cost of funding earning assets | 0.4581% | 3,755 |
| Net interest margin | 3.2465% | 3,537 |
| Noninterest income to average assets | 0.5824% | 2,198 |
| Noninterest expense to average assets | 2.1888% | 3,818 |
| Loan and lease loss provision to assets | 0.0866% | 3,199 |
| Net operating income to assets | 1.0790% | 2,037 |
| Return on assets (ROA) | 1.0791% | 2,164 |
| Pretax return on assets | 1.4027% | 1,721 |
| Return on Equity (ROE) | 10.9449% | 1,646 |
| Retained earnings to average equity (ytd only) | 8.8220% | 1,063 |
| Net charge-offs to loans | 0.0025% | 2,914 |
| Credit loss provision to net charge-offs | 5,747.2222% | 206 |
| Earnings coverage of net charge-offs (x) | 988.1667% | 91 |
| Efficiency ratio | 58.8937% | 3,571 |
| Assets per employee ($millions) | 7.8152% | 1,036 |
| Cash dividends to net income (ytd only)* | 19.3964% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,086 |
| Loan loss allowance to noncurrent loans | 173.2615% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 2,518 |
| Noncurrent loans to loans | 0.7406% | 2,026 |
| Net loans and leases to total assets | 60.0368% | 3,324 |
| Net loans and leases to deposits | 70.2415% | 3,397 |
| Net loans and leases to core deposits | 73.1119% | 3,513 |
| Total domestic deposits to total assets | 85.4719% | 2,221 |
| Equity capital to assets | 9.4830% | 3,672 |
| Core capital (leverage) ratio | 8.6057% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9668% | 1,834 |
| Memoranda: | ||
| Average total assets | $4,777,680,333 | 252 |
| Average earning assets | $4,555,535,667 | 244 |
| Average equity | $471,051,000 | 267 |
| Average total loans | $2,829,034,000 | 272 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 4,065 |
| Cost of funding earning assets | 0.5963% | 3,455 |
| Net interest margin | 3.2880% | 3,620 |
| Noninterest income to average assets | 0.5817% | 2,120 |
| Noninterest expense to average assets | 2.2687% | 3,840 |
| Loan and lease loss provision to assets | 0.0571% | 3,048 |
| Net operating income to assets | 1.0626% | 1,959 |
| Return on assets (ROA) | 1.0626% | 2,064 |
| Pretax return on assets | 1.3844% | 1,608 |
| Return on Equity (ROE) | 10.5446% | 1,556 |
| Retained earnings to average equity (ytd only) | 6.1736% | 1,810 |
| Net charge-offs to loans | 0.0112% | 2,185 |
| Credit loss provision to net charge-offs | 875.6757% | 628 |
| Earnings coverage of net charge-offs (x) | 221.1216% | 317 |
| Efficiency ratio | 60.4212% | 3,685 |
| Assets per employee ($millions) | 6.8378% | 1,170 |
| Cash dividends to net income (ytd only)* | 41.4525% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 1,420 |
| Loan loss allowance to noncurrent loans | 375.1519% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 3,541 |
| Noncurrent loans to loans | 0.3940% | 3,073 |
| Net loans and leases to total assets | 57.7700% | 3,689 |
| Net loans and leases to deposits | 68.6287% | 3,686 |
| Net loans and leases to core deposits | 72.2852% | 3,742 |
| Total domestic deposits to total assets | 84.1777% | 2,720 |
| Equity capital to assets | 10.2464% | 3,561 |
| Core capital (leverage) ratio | 9.2515% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9265% | 1,930 |
| Memoranda: | ||
| Average total assets | $4,540,598,000 | 254 |
| Average earning assets | $4,320,375,000 | 247 |
| Average equity | $457,561,000 | 274 |
| Average total loans | $2,646,539,000 | 281 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 4,059 |
| Cost of funding earning assets | 0.7220% | 3,058 |
| Net interest margin | 3.3688% | 3,829 |
| Noninterest income to average assets | 0.9394% | 1,098 |
| Noninterest expense to average assets | 2.2753% | 4,010 |
| Loan and lease loss provision to assets | 0.0103% | 3,803 |
| Net operating income to assets | 1.4169% | 1,287 |
| Return on assets (ROA) | 1.4169% | 1,361 |
| Pretax return on assets | 1.8540% | 829 |
| Return on Equity (ROE) | 14.5854% | 777 |
| Retained earnings to average equity (ytd only) | 12.4196% | 210 |
| Net charge-offs to loans | 0.0125% | 3,238 |
| Credit loss provision to net charge-offs | 138.2445% | 1,863 |
| Earnings coverage of net charge-offs (x) | 250.0125% | 331 |
| Efficiency ratio | 54.2711% | 4,396 |
| Assets per employee ($millions) | 6.9759% | 1,046 |
| Cash dividends to net income (ytd only)* | 14.8493% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 1,267 |
| Loan loss allowance to noncurrent loans | 379.0949% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 3,540 |
| Noncurrent loans to loans | 0.3924% | 3,029 |
| Net loans and leases to total assets | 57.0708% | 3,843 |
| Net loans and leases to deposits | 67.5604% | 3,859 |
| Net loans and leases to core deposits | 71.1969% | 3,899 |
| Total domestic deposits to total assets | 84.4737% | 2,694 |
| Equity capital to assets | 9.9063% | 4,004 |
| Core capital (leverage) ratio | 9.1228% | 4,430 |
| Tier 1 risk-based capital ratio | 14.0830% | 3,226 |
| Total risk-based capital ratio | 15.3344% | 3,134 |
| Memoranda: | ||
| Average total assets | $4,277,669,800 | 253 |
| Average earning assets | $4,063,767,200 | 244 |
| Average equity | $415,545,000 | 279 |
| Average total loans | $2,549,548,800 | 282 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 4,152 |
| Cost of funding earning assets | 0.7338% | 3,050 |
| Net interest margin | 3.3686% | 3,942 |
| Noninterest income to average assets | 1.0257% | 886 |
| Noninterest expense to average assets | 2.2725% | 4,022 |
| Loan and lease loss provision to assets | 0.0070% | 3,744 |
| Net operating income to assets | 1.4863% | 1,226 |
| Return on assets (ROA) | 1.4863% | 1,283 |
| Pretax return on assets | 1.9430% | 783 |
| Return on Equity (ROE) | 15.3813% | 701 |
| Retained earnings to average equity (ytd only) | 12.4364% | 331 |
| Net charge-offs to loans | 0.0147% | 2,869 |
| Credit loss provision to net charge-offs | 78.8530% | 2,519 |
| Earnings coverage of net charge-offs (x) | 221.0613% | 415 |
| Efficiency ratio | 53.1303% | 4,481 |
| Assets per employee ($millions) | 6.8755% | 1,081 |
| Cash dividends to net income (ytd only)* | 19.1457% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,272 |
| Loan loss allowance to noncurrent loans | 188.8045% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 2,671 |
| Noncurrent loans to loans | 0.7891% | 2,000 |
| Net loans and leases to total assets | 57.8985% | 3,888 |
| Net loans and leases to deposits | 68.5191% | 3,883 |
| Net loans and leases to core deposits | 72.4515% | 3,917 |
| Total domestic deposits to total assets | 84.4998% | 2,629 |
| Equity capital to assets | 9.9192% | 4,103 |
| Core capital (leverage) ratio | 9.1512% | 4,514 |
| Tier 1 risk-based capital ratio | 13.6152% | 3,517 |
| Total risk-based capital ratio | 14.8665% | 3,426 |
| Memoranda: | ||
| Average total assets | $4,216,993,250 | 256 |
| Average earning assets | $4,001,986,250 | 249 |
| Average equity | $407,480,750 | 286 |
| Average total loans | $2,532,244,750 | 286 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 4,176 |
| Cost of funding earning assets | 0.7257% | 3,012 |
| Net interest margin | 3.3679% | 3,995 |
| Noninterest income to average assets | 1.1031% | 702 |
| Noninterest expense to average assets | 2.2666% | 4,090 |
| Loan and lease loss provision to assets | 0.0093% | 3,559 |
| Net operating income to assets | 1.5504% | 1,013 |
| Return on assets (ROA) | 1.5503% | 1,053 |
| Pretax return on assets | 2.0240% | 651 |
| Return on Equity (ROE) | 16.1972% | 559 |
| Retained earnings to average equity (ytd only) | 11.6622% | 449 |
| Net charge-offs to loans | 0.0081% | 2,856 |
| Credit loss provision to net charge-offs | 188.2353% | 1,269 |
| Earnings coverage of net charge-offs (x) | 413.3235% | 188 |
| Efficiency ratio | 52.0246% | 4,652 |
| Assets per employee ($millions) | 6.7565% | 1,115 |
| Cash dividends to net income (ytd only)* | 27.9990% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,180 |
| Loan loss allowance to noncurrent loans | 374.9518% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 3,597 |
| Noncurrent loans to loans | 0.4087% | 3,066 |
| Net loans and leases to total assets | 58.5601% | 3,858 |
| Net loans and leases to deposits | 69.2096% | 3,902 |
| Net loans and leases to core deposits | 73.2153% | 3,932 |
| Total domestic deposits to total assets | 84.6127% | 2,636 |
| Equity capital to assets | 9.8482% | 4,097 |
| Core capital (leverage) ratio | 9.0128% | 4,617 |
| Tier 1 risk-based capital ratio | 13.4336% | 3,616 |
| Total risk-based capital ratio | 14.6854% | 3,516 |
| Memoranda: | ||
| Average total assets | $4,146,726,000 | 262 |
| Average earning assets | $3,936,188,330 | 255 |
| Average equity | $396,907,670 | 293 |
| Average total loans | $2,508,860,330 | 290 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 4,301 |
| Cost of funding earning assets | 0.6746% | 3,179 |
| Net interest margin | 3.3557% | 4,018 |
| Noninterest income to average assets | 0.5570% | 2,245 |
| Noninterest expense to average assets | 2.1630% | 4,346 |
| Loan and lease loss provision to assets | 0.0070% | 3,341 |
| Net operating income to assets | 1.1994% | 2,058 |
| Return on assets (ROA) | 1.1992% | 2,110 |
| Pretax return on assets | 1.5679% | 1,550 |
| Return on Equity (ROE) | 12.7209% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.7209% | 508 |
| Net charge-offs to loans | 0.0061% | 2,481 |
| Credit loss provision to net charge-offs | 186.8421% | 1,094 |
| Earnings coverage of net charge-offs (x) | 423.2895% | 183 |
| Efficiency ratio | 57.0609% | 4,210 |
| Assets per employee ($millions) | 6.6937% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 1,152 |
| Loan loss allowance to noncurrent loans | 165.8261% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 2,365 |
| Noncurrent loans to loans | 0.9407% | 1,782 |
| Net loans and leases to total assets | 59.1903% | 3,770 |
| Net loans and leases to deposits | 69.1995% | 3,832 |
| Net loans and leases to core deposits | 72.9591% | 3,869 |
| Total domestic deposits to total assets | 85.5357% | 2,468 |
| Equity capital to assets | 9.5842% | 4,181 |
| Core capital (leverage) ratio | 9.1331% | 4,539 |
| Tier 1 risk-based capital ratio | 13.2925% | 3,721 |
| Total risk-based capital ratio | 14.5447% | 3,628 |
| Memoranda: | ||
| Average total assets | $4,085,047,500 | 265 |
| Average earning assets | $3,872,461,000 | 256 |
| Average equity | $385,097,500 | 303 |
| Average total loans | $2,493,548,500 | 294 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 3,980 |
| Cost of funding earning assets | 0.4556% | 3,642 |
| Net interest margin | 3.5600% | 3,516 |
| Noninterest income to average assets | 0.7351% | 1,710 |
| Noninterest expense to average assets | 2.3283% | 4,053 |
| Loan and lease loss provision to assets | 0.0609% | 2,940 |
| Net operating income to assets | 1.6823% | 718 |
| Return on assets (ROA) | 1.6858% | 708 |
| Pretax return on assets | 1.7139% | 1,134 |
| Return on Equity (ROE) | 17.8719% | 403 |
| Retained earnings to average equity (ytd only) | 10.5632% | 514 |
| Net charge-offs to loans | 0.0295% | 2,812 |
| Credit loss provision to net charge-offs | 321.7087% | 974 |
| Earnings coverage of net charge-offs (x) | 93.5560% | 770 |
| Efficiency ratio | 55.9441% | 4,416 |
| Assets per employee ($millions) | 6.4946% | 1,217 |
| Cash dividends to net income (ytd only)* | 40.8946% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,127 |
| Loan loss allowance to noncurrent loans | 180.7307% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 2,436 |
| Noncurrent loans to loans | 0.8609% | 1,877 |
| Net loans and leases to total assets | 61.0157% | 3,664 |
| Net loans and leases to deposits | 71.1691% | 3,733 |
| Net loans and leases to core deposits | 74.7863% | 3,798 |
| Total domestic deposits to total assets | 85.7333% | 2,351 |
| Equity capital to assets | 9.2652% | 4,356 |
| Core capital (leverage) ratio | 8.9272% | 4,716 |
| Tier 1 risk-based capital ratio | 13.0621% | 3,813 |
| Total risk-based capital ratio | 14.3145% | 3,697 |
| Memoranda: | ||
| Average total assets | $3,771,369,400 | 275 |
| Average earning assets | $3,564,180,200 | 266 |
| Average equity | $355,743,600 | 311 |
| Average total loans | $2,419,300,600 | 292 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 4,005 |
| Cost of funding earning assets | 0.4040% | 3,829 |
| Net interest margin | 3.5713% | 3,456 |
| Noninterest income to average assets | 0.7674% | 1,591 |
| Noninterest expense to average assets | 2.3752% | 3,912 |
| Loan and lease loss provision to assets | 0.0715% | 2,530 |
| Net operating income to assets | 1.8056% | 593 |
| Return on assets (ROA) | 1.8105% | 593 |
| Pretax return on assets | 1.6998% | 1,276 |
| Return on Equity (ROE) | 19.1020% | 331 |
| Retained earnings to average equity (ytd only) | 11.1343% | 618 |
| Net charge-offs to loans | 0.0328% | 2,427 |
| Credit loss provision to net charge-offs | 336.2098% | 934 |
| Earnings coverage of net charge-offs (x) | 83.1066% | 863 |
| Efficiency ratio | 56.4790% | 4,319 |
| Assets per employee ($millions) | 6.2147% | 1,340 |
| Cash dividends to net income (ytd only)* | 41.7114% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,122 |
| Loan loss allowance to noncurrent loans | 168.3424% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 2,375 |
| Noncurrent loans to loans | 0.9391% | 1,808 |
| Net loans and leases to total assets | 62.4359% | 3,610 |
| Net loans and leases to deposits | 72.4957% | 3,729 |
| Net loans and leases to core deposits | 75.8831% | 3,814 |
| Total domestic deposits to total assets | 86.1237% | 2,131 |
| Equity capital to assets | 9.2509% | 4,319 |
| Core capital (leverage) ratio | 9.1616% | 4,555 |
| Tier 1 risk-based capital ratio | 12.9943% | 3,910 |
| Total risk-based capital ratio | 14.2474% | 3,818 |
| Memoranda: | ||
| Average total assets | $3,707,544,500 | 277 |
| Average earning assets | $3,502,894,750 | 267 |
| Average equity | $351,409,750 | 310 |
| Average total loans | $2,400,193,500 | 290 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 3,953 |
| Cost of funding earning assets | 0.3465% | 4,095 |
| Net interest margin | 3.5937% | 3,340 |
| Noninterest income to average assets | 0.7548% | 1,625 |
| Noninterest expense to average assets | 2.3712% | 3,973 |
| Loan and lease loss provision to assets | 0.1035% | 1,878 |
| Net operating income to assets | 2.0562% | 333 |
| Return on assets (ROA) | 2.0638% | 325 |
| Pretax return on assets | 1.6848% | 1,256 |
| Return on Equity (ROE) | 21.5921% | 178 |
| Retained earnings to average equity (ytd only) | 15.8734% | 162 |
| Net charge-offs to loans | 0.0294% | 2,272 |
| Credit loss provision to net charge-offs | 539.6011% | 672 |
| Earnings coverage of net charge-offs (x) | 92.8177% | 732 |
| Efficiency ratio | 56.1954% | 4,456 |
| Assets per employee ($millions) | 5.8191% | 1,620 |
| Cash dividends to net income (ytd only)* | 26.4852% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 1,108 |
| Loan loss allowance to noncurrent loans | 153.1628% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 2,137 |
| Noncurrent loans to loans | 1.0453% | 1,678 |
| Net loans and leases to total assets | 65.1319% | 3,258 |
| Net loans and leases to deposits | 75.9089% | 3,346 |
| Net loans and leases to core deposits | 79.1746% | 3,485 |
| Total domestic deposits to total assets | 85.8028% | 2,368 |
| Equity capital to assets | 9.7752% | 3,848 |
| Core capital (leverage) ratio | 9.4168% | 4,224 |
| Tier 1 risk-based capital ratio | 12.9236% | 3,935 |
| Total risk-based capital ratio | 14.1770% | 3,856 |
| Memoranda: | ||
| Average total assets | $3,659,017,670 | 278 |
| Average earning assets | $3,458,810,000 | 270 |
| Average equity | $349,730,000 | 307 |
| Average total loans | $2,385,465,330 | 290 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8494% | 4,083 |
| Cost of funding earning assets | 0.3185% | 4,204 |
| Net interest margin | 3.5308% | 3,423 |
| Noninterest income to average assets | 0.7401% | 1,658 |
| Noninterest expense to average assets | 2.3464% | 4,071 |
| Loan and lease loss provision to assets | 0.1251% | 1,504 |
| Net operating income to assets | 1.6112% | 832 |
| Return on assets (ROA) | 1.6112% | 834 |
| Pretax return on assets | 1.6112% | 1,359 |
| Return on Equity (ROE) | 17.0508% | 506 |
| Retained earnings to average equity (ytd only) | 17.0508% | 191 |
| Net charge-offs to loans | 0.0362% | 1,799 |
| Credit loss provision to net charge-offs | 534.5794% | 559 |
| Earnings coverage of net charge-offs (x) | 74.2056% | 740 |
| Efficiency ratio | 56.4917% | 4,519 |
| Assets per employee ($millions) | 5.9442% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 1,118 |
| Loan loss allowance to noncurrent loans | 129.2033% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 1,933 |
| Noncurrent loans to loans | 1.2526% | 1,442 |
| Net loans and leases to total assets | 64.0039% | 3,302 |
| Net loans and leases to deposits | 74.8613% | 3,328 |
| Net loans and leases to core deposits | 77.4757% | 3,537 |
| Total domestic deposits to total assets | 85.4966% | 2,755 |
| Equity capital to assets | 9.5970% | 4,003 |
| Core capital (leverage) ratio | 9.1143% | 4,551 |
| Tier 1 risk-based capital ratio | 12.6683% | 4,132 |
| Total risk-based capital ratio | 13.9241% | 4,029 |
| Memoranda: | ||
| Average total assets | $3,658,413,500 | 276 |
| Average earning assets | $3,463,333,000 | 268 |
| Average equity | $345,697,000 | 313 |
| Average total loans | $2,366,815,500 | 289 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,164 |
| Cost of funding earning assets | 0.2610% | 4,472 |
| Net interest margin | 3.5055% | 3,511 |
| Noninterest income to average assets | 0.8070% | 1,543 |
| Noninterest expense to average assets | 2.3584% | 4,183 |
| Loan and lease loss provision to assets | 0.0867% | 2,456 |
| Net operating income to assets | 1.6756% | 557 |
| Return on assets (ROA) | 1.6782% | 566 |
| Pretax return on assets | 1.6782% | 1,064 |
| Return on Equity (ROE) | 17.3509% | 364 |
| Retained earnings to average equity (ytd only) | 10.4917% | 286 |
| Net charge-offs to loans | 0.0066% | 3,843 |
| Credit loss provision to net charge-offs | 2,013.5135% | 187 |
| Earnings coverage of net charge-offs (x) | 409.2297% | 210 |
| Efficiency ratio | 56.2320% | 4,749 |
| Assets per employee ($millions) | 6.1310% | 1,427 |
| Cash dividends to net income (ytd only)* | 39.5319% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 1,219 |
| Loan loss allowance to noncurrent loans | 131.2346% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 2,020 |
| Noncurrent loans to loans | 1.1952% | 1,490 |
| Net loans and leases to total assets | 63.3307% | 3,449 |
| Net loans and leases to deposits | 73.8270% | 3,532 |
| Net loans and leases to core deposits | 76.2637% | 3,718 |
| Total domestic deposits to total assets | 85.7826% | 2,540 |
| Equity capital to assets | 9.3043% | 4,422 |
| Core capital (leverage) ratio | 8.6620% | 4,985 |
| Tier 1 risk-based capital ratio | 12.0777% | 4,479 |
| Total risk-based capital ratio | 13.3328% | 4,364 |
| Memoranda: | ||
| Average total assets | $3,436,671,200 | 279 |
| Average earning assets | $3,248,666,600 | 271 |
| Average equity | $332,404,200 | 308 |
| Average total loans | $2,248,364,200 | 290 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,240 |
| Cost of funding earning assets | 0.2581% | 4,496 |
| Net interest margin | 3.4714% | 3,594 |
| Noninterest income to average assets | 0.8182% | 1,519 |
| Noninterest expense to average assets | 2.3714% | 4,092 |
| Loan and lease loss provision to assets | 0.0836% | 2,424 |
| Net operating income to assets | 1.6436% | 642 |
| Return on assets (ROA) | 1.6471% | 661 |
| Pretax return on assets | 1.6471% | 1,251 |
| Return on Equity (ROE) | 16.8541% | 448 |
| Retained earnings to average equity (ytd only) | 10.8681% | 429 |
| Net charge-offs to loans | 0.0022% | 3,685 |
| Credit loss provision to net charge-offs | 5,713.5135% | 84 |
| Earnings coverage of net charge-offs (x) | 1,181.0233% | 84 |
| Efficiency ratio | 56.8468% | 4,631 |
| Assets per employee ($millions) | 5.9122% | 1,561 |
| Cash dividends to net income (ytd only)* | 35.5163% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 1,297 |
| Loan loss allowance to noncurrent loans | 117.0403% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 1,955 |
| Noncurrent loans to loans | 1.3433% | 1,408 |
| Net loans and leases to total assets | 64.1890% | 3,369 |
| Net loans and leases to deposits | 74.9673% | 3,476 |
| Net loans and leases to core deposits | 77.5307% | 3,681 |
| Total domestic deposits to total assets | 85.6227% | 2,472 |
| Equity capital to assets | 9.6985% | 4,245 |
| Core capital (leverage) ratio | 8.7746% | 4,998 |
| Tier 1 risk-based capital ratio | 11.9301% | 4,681 |
| Total risk-based capital ratio | 13.1850% | 4,549 |
| Memoranda: | ||
| Average total assets | $3,373,119,250 | 281 |
| Average earning assets | $3,187,606,250 | 272 |
| Average equity | $329,652,500 | 308 |
| Average total loans | $2,216,778,750 | 291 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6419% | 4,387 |
| Cost of funding earning assets | 0.2544% | 4,501 |
| Net interest margin | 3.3876% | 3,818 |
| Noninterest income to average assets | 0.7988% | 1,576 |
| Noninterest expense to average assets | 2.3500% | 4,208 |
| Loan and lease loss provision to assets | 0.0817% | 2,358 |
| Net operating income to assets | 1.5690% | 754 |
| Return on assets (ROA) | 1.5723% | 768 |
| Pretax return on assets | 1.5723% | 1,425 |
| Return on Equity (ROE) | 16.0444% | 523 |
| Retained earnings to average equity (ytd only) | 14.0103% | 181 |
| Net charge-offs to loans | 0.0179% | 2,889 |
| Credit loss provision to net charge-offs | 693.3333% | 506 |
| Earnings coverage of net charge-offs (x) | 140.1385% | 528 |
| Efficiency ratio | 57.7062% | 4,636 |
| Assets per employee ($millions) | 5.6726% | 1,726 |
| Cash dividends to net income (ytd only)* | 12.6777% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 1,222 |
| Loan loss allowance to noncurrent loans | 113.4420% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 1,848 |
| Noncurrent loans to loans | 1.4265% | 1,333 |
| Net loans and leases to total assets | 65.1677% | 3,232 |
| Net loans and leases to deposits | 76.6018% | 3,269 |
| Net loans and leases to core deposits | 78.9174% | 3,513 |
| Total domestic deposits to total assets | 85.0734% | 2,777 |
| Equity capital to assets | 10.2863% | 3,582 |
| Core capital (leverage) ratio | 9.2053% | 4,481 |
| Tier 1 risk-based capital ratio | 12.8191% | 4,108 |
| Total risk-based capital ratio | 14.0742% | 4,019 |
| Memoranda: | ||
| Average total assets | $3,311,110,000 | 285 |
| Average earning assets | $3,129,539,670 | 275 |
| Average equity | $324,475,330 | 315 |
| Average total loans | $2,182,013,670 | 298 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5649% | 4,509 |
| Cost of funding earning assets | 0.2437% | 4,586 |
| Net interest margin | 3.3213% | 3,941 |
| Noninterest income to average assets | 0.7446% | 1,767 |
| Noninterest expense to average assets | 2.3085% | 4,385 |
| Loan and lease loss provision to assets | 0.0830% | 2,158 |
| Net operating income to assets | 1.4949% | 814 |
| Return on assets (ROA) | 1.4949% | 840 |
| Pretax return on assets | 1.4949% | 1,544 |
| Return on Equity (ROE) | 15.6450% | 573 |
| Retained earnings to average equity (ytd only) | 11.4683% | 536 |
| Net charge-offs to loans | 0.0206% | 2,368 |
| Credit loss provision to net charge-offs | 612.5000% | 504 |
| Earnings coverage of net charge-offs (x) | 116.4911% | 469 |
| Efficiency ratio | 58.2760% | 4,684 |
| Assets per employee ($millions) | 5.8115% | 1,645 |
| Cash dividends to net income (ytd only)* | 26.6969% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 1,316 |
| Loan loss allowance to noncurrent loans | 106.6640% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.9892% | 1,849 |
| Noncurrent loans to loans | 1.5245% | 1,299 |
| Net loans and leases to total assets | 63.5643% | 3,323 |
| Net loans and leases to deposits | 75.6190% | 3,244 |
| Net loans and leases to core deposits | 77.9264% | 3,474 |
| Total domestic deposits to total assets | 84.0587% | 3,458 |
| Equity capital to assets | 9.6826% | 4,084 |
| Core capital (leverage) ratio | 8.9784% | 4,764 |
| Tier 1 risk-based capital ratio | 12.4147% | 4,438 |
| Total risk-based capital ratio | 13.6697% | 4,334 |
| Memoranda: | ||
| Average total assets | $3,307,417,500 | 288 |
| Average earning assets | $3,128,692,500 | 278 |
| Average equity | $316,037,000 | 324 |
| Average total loans | $2,173,940,500 | 298 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 4,438 |
| Cost of funding earning assets | 0.2405% | 4,649 |
| Net interest margin | 3.3892% | 3,856 |
| Noninterest income to average assets | 0.8999% | 1,415 |
| Noninterest expense to average assets | 2.3666% | 4,376 |
| Loan and lease loss provision to assets | 0.0725% | 2,905 |
| Net operating income to assets | 1.6639% | 593 |
| Return on assets (ROA) | 1.6650% | 619 |
| Pretax return on assets | 1.6650% | 1,096 |
| Return on Equity (ROE) | 17.0111% | 400 |
| Retained earnings to average equity (ytd only) | 9.4988% | 498 |
| Net charge-offs to loans | 0.0366% | 3,294 |
| Credit loss provision to net charge-offs | 297.7690% | 993 |
| Earnings coverage of net charge-offs (x) | 71.2822% | 780 |
| Efficiency ratio | 56.5534% | 5,010 |
| Assets per employee ($millions) | 5.8658% | 1,568 |
| Cash dividends to net income (ytd only)* | 44.1611% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 1,449 |
| Loan loss allowance to noncurrent loans | 90.6803% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 1,580 |
| Noncurrent loans to loans | 1.7281% | 1,113 |
| Net loans and leases to total assets | 65.8111% | 3,102 |
| Net loans and leases to deposits | 78.2996% | 3,066 |
| Net loans and leases to core deposits | 80.6721% | 3,337 |
| Total domestic deposits to total assets | 84.0504% | 3,406 |
| Equity capital to assets | 9.4265% | 4,351 |
| Core capital (leverage) ratio | 8.7947% | 4,973 |
| Tier 1 risk-based capital ratio | 12.0595% | 4,688 |
| Total risk-based capital ratio | 13.3143% | 4,569 |
| Memoranda: | ||
| Average total assets | $3,128,105,600 | 288 |
| Average earning assets | $2,956,347,000 | 280 |
| Average equity | $306,165,000 | 317 |
| Average total loans | $2,083,933,400 | 299 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 4,445 |
| Cost of funding earning assets | 0.2399% | 4,705 |
| Net interest margin | 3.3958% | 3,856 |
| Noninterest income to average assets | 0.8353% | 1,623 |
| Noninterest expense to average assets | 2.3713% | 4,353 |
| Loan and lease loss provision to assets | 0.0692% | 2,836 |
| Net operating income to assets | 1.6038% | 724 |
| Return on assets (ROA) | 1.6052% | 759 |
| Pretax return on assets | 1.6052% | 1,362 |
| Return on Equity (ROE) | 16.2409% | 518 |
| Retained earnings to average equity (ytd only) | 9.6901% | 641 |
| Net charge-offs to loans | 0.0526% | 2,613 |
| Credit loss provision to net charge-offs | 197.6572% | 1,454 |
| Earnings coverage of net charge-offs (x) | 47.7902% | 1,114 |
| Efficiency ratio | 57.4780% | 4,893 |
| Assets per employee ($millions) | 5.6898% | 1,672 |
| Cash dividends to net income (ytd only)* | 40.3356% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 1,568 |
| Loan loss allowance to noncurrent loans | 197.3530% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 3,194 |
| Noncurrent loans to loans | 0.7947% | 2,683 |
| Net loans and leases to total assets | 66.0218% | 3,117 |
| Net loans and leases to deposits | 79.1514% | 3,064 |
| Net loans and leases to core deposits | 81.7686% | 3,302 |
| Total domestic deposits to total assets | 83.4121% | 3,443 |
| Equity capital to assets | 9.9987% | 4,125 |
| Core capital (leverage) ratio | 8.8275% | 5,027 |
| Tier 1 risk-based capital ratio | 12.0655% | 4,748 |
| Total risk-based capital ratio | 13.3198% | 4,650 |
| Memoranda: | ||
| Average total assets | $3,088,916,250 | 288 |
| Average earning assets | $2,918,984,250 | 282 |
| Average equity | $305,294,750 | 318 |
| Average total loans | $2,055,862,250 | 300 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6398% | 4,475 |
| Cost of funding earning assets | 0.2402% | 4,753 |
| Net interest margin | 3.3995% | 3,892 |
| Noninterest income to average assets | 0.7866% | 1,776 |
| Noninterest expense to average assets | 2.3523% | 4,471 |
| Loan and lease loss provision to assets | 0.0610% | 2,915 |
| Net operating income to assets | 1.5896% | 741 |
| Return on assets (ROA) | 1.5902% | 784 |
| Pretax return on assets | 1.5902% | 1,398 |
| Return on Equity (ROE) | 16.1548% | 518 |
| Retained earnings to average equity (ytd only) | 8.1626% | 1,119 |
| Net charge-offs to loans | 0.0473% | 2,538 |
| Credit loss provision to net charge-offs | 194.3633% | 1,326 |
| Earnings coverage of net charge-offs (x) | 52.5637% | 967 |
| Efficiency ratio | 57.5820% | 4,962 |
| Assets per employee ($millions) | 5.4678% | 1,826 |
| Cash dividends to net income (ytd only)* | 49.4723% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 1,478 |
| Loan loss allowance to noncurrent loans | 158.3369% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 2,859 |
| Noncurrent loans to loans | 1.0217% | 2,246 |
| Net loans and leases to total assets | 66.2596% | 3,046 |
| Net loans and leases to deposits | 79.7888% | 2,956 |
| Net loans and leases to core deposits | 82.6859% | 3,210 |
| Total domestic deposits to total assets | 83.0437% | 3,636 |
| Equity capital to assets | 10.2340% | 3,932 |
| Core capital (leverage) ratio | 8.7723% | 5,091 |
| Tier 1 risk-based capital ratio | 12.0644% | 4,785 |
| Total risk-based capital ratio | 13.3188% | 4,703 |
| Memoranda: | ||
| Average total assets | $3,050,771,330 | 290 |
| Average earning assets | $2,886,338,000 | 282 |
| Average equity | $300,294,670 | 318 |
| Average total loans | $2,024,946,330 | 304 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 4,570 |
| Cost of funding earning assets | 0.2408% | 4,794 |
| Net interest margin | 3.3780% | 3,948 |
| Noninterest income to average assets | 0.7399% | 1,857 |
| Noninterest expense to average assets | 2.3430% | 4,539 |
| Loan and lease loss provision to assets | 0.0384% | 3,142 |
| Net operating income to assets | 1.5576% | 771 |
| Return on assets (ROA) | 1.5584% | 809 |
| Pretax return on assets | 1.5584% | 1,411 |
| Return on Equity (ROE) | 16.1547% | 519 |
| Retained earnings to average equity (ytd only) | 10.7081% | 707 |
| Net charge-offs to loans | 0.0784% | 1,702 |
| Credit loss provision to net charge-offs | 74.3003% | 1,876 |
| Earnings coverage of net charge-offs (x) | 30.9160% | 1,167 |
| Efficiency ratio | 58.2786% | 4,960 |
| Assets per employee ($millions) | 5.5004% | 1,829 |
| Cash dividends to net income (ytd only)* | 33.7154% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 1,542 |
| Loan loss allowance to noncurrent loans | 149.2992% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 2,786 |
| Noncurrent loans to loans | 1.0872% | 2,219 |
| Net loans and leases to total assets | 65.7236% | 2,990 |
| Net loans and leases to deposits | 78.8616% | 2,910 |
| Net loans and leases to core deposits | 81.6578% | 3,160 |
| Total domestic deposits to total assets | 83.3404% | 3,774 |
| Equity capital to assets | 9.9621% | 4,129 |
| Core capital (leverage) ratio | 8.7898% | 5,083 |
| Tier 1 risk-based capital ratio | 12.0625% | 4,876 |
| Total risk-based capital ratio | 13.3170% | 4,789 |
| Memoranda: | ||
| Average total assets | $3,045,160,500 | 288 |
| Average earning assets | $2,883,821,500 | 284 |
| Average equity | $293,759,500 | 323 |
| Average total loans | $2,006,308,000 | 302 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6677% | 4,465 |
| Cost of funding earning assets | 0.2409% | 4,880 |
| Net interest margin | 3.4267% | 3,811 |
| Noninterest income to average assets | 0.8357% | 1,655 |
| Noninterest expense to average assets | 2.3775% | 4,567 |
| Loan and lease loss provision to assets | 0.0510% | 3,303 |
| Net operating income to assets | 1.6436% | 643 |
| Return on assets (ROA) | 1.6442% | 660 |
| Pretax return on assets | 1.6442% | 1,127 |
| Return on Equity (ROE) | 16.7944% | 478 |
| Retained earnings to average equity (ytd only) | 4.3028% | 2,916 |
| Net charge-offs to loans | -0.0027% | 4,901 |
| Credit loss provision to net charge-offs | -2,901.9608% | 5,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2043% | 5,236 |
| Assets per employee ($millions) | 5.6972% | 1,618 |
| Cash dividends to net income (ytd only)* | 74.3798% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 1,465 |
| Loan loss allowance to noncurrent loans | 331.9681% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 4,114 |
| Noncurrent loans to loans | 0.4978% | 3,699 |
| Net loans and leases to total assets | 63.9006% | 3,302 |
| Net loans and leases to deposits | 76.5062% | 3,194 |
| Net loans and leases to core deposits | 79.1907% | 3,424 |
| Total domestic deposits to total assets | 83.5233% | 3,658 |
| Equity capital to assets | 9.3355% | 4,745 |
| Core capital (leverage) ratio | 8.5301% | 5,391 |
| Tier 1 risk-based capital ratio | 11.7239% | 5,116 |
| Total risk-based capital ratio | 12.9780% | 5,034 |
| Memoranda: | ||
| Average total assets | $2,902,730,000 | 286 |
| Average earning assets | $2,741,502,600 | 281 |
| Average equity | $284,190,000 | 316 |
| Average total loans | $1,869,390,800 | 300 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6821% | 4,468 |
| Cost of funding earning assets | 0.2437% | 4,951 |
| Net interest margin | 3.4383% | 3,806 |
| Noninterest income to average assets | 0.8400% | 1,655 |
| Noninterest expense to average assets | 2.4041% | 4,501 |
| Loan and lease loss provision to assets | 0.0611% | 2,959 |
| Net operating income to assets | 1.6201% | 739 |
| Return on assets (ROA) | 1.6208% | 766 |
| Pretax return on assets | 1.6208% | 1,328 |
| Return on Equity (ROE) | 16.3520% | 552 |
| Retained earnings to average equity (ytd only) | 5.3078% | 2,718 |
| Net charge-offs to loans | -0.0177% | 5,160 |
| Credit loss provision to net charge-offs | -537.7049% | 5,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6674% | 5,159 |
| Assets per employee ($millions) | 5.4797% | 1,803 |
| Cash dividends to net income (ytd only)* | 67.5404% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 1,379 |
| Loan loss allowance to noncurrent loans | 300.2097% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 4,111 |
| Noncurrent loans to loans | 0.5806% | 3,588 |
| Net loans and leases to total assets | 63.6837% | 3,355 |
| Net loans and leases to deposits | 76.7723% | 3,223 |
| Net loans and leases to core deposits | 79.5738% | 3,454 |
| Total domestic deposits to total assets | 82.9514% | 3,834 |
| Equity capital to assets | 9.9487% | 4,225 |
| Core capital (leverage) ratio | 8.7682% | 5,276 |
| Tier 1 risk-based capital ratio | 12.2560% | 4,918 |
| Total risk-based capital ratio | 13.5111% | 4,812 |
| Memoranda: | ||
| Average total assets | $2,862,135,500 | 294 |
| Average earning assets | $2,701,391,500 | 286 |
| Average equity | $283,701,500 | 321 |
| Average total loans | $1,838,856,250 | 304 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 4,467 |
| Cost of funding earning assets | 0.2467% | 4,973 |
| Net interest margin | 3.4326% | 3,781 |
| Noninterest income to average assets | 0.8108% | 1,731 |
| Noninterest expense to average assets | 2.3835% | 4,605 |
| Loan and lease loss provision to assets | 0.0785% | 2,551 |
| Net operating income to assets | 1.5905% | 759 |
| Return on assets (ROA) | 1.5921% | 783 |
| Pretax return on assets | 1.5921% | 1,349 |
| Return on Equity (ROE) | 16.0821% | 603 |
| Retained earnings to average equity (ytd only) | 3.6528% | 3,700 |
| Net charge-offs to loans | -0.0238% | 5,228 |
| Credit loss provision to net charge-offs | -514.2857% | 5,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6455% | 5,261 |
| Assets per employee ($millions) | 5.3021% | 1,922 |
| Cash dividends to net income (ytd only)* | 77.2866% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 1,478 |
| Loan loss allowance to noncurrent loans | 291.1956% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 4,151 |
| Noncurrent loans to loans | 0.6034% | 3,660 |
| Net loans and leases to total assets | 63.5290% | 3,339 |
| Net loans and leases to deposits | 77.7272% | 3,066 |
| Net loans and leases to core deposits | 80.7380% | 3,300 |
| Total domestic deposits to total assets | 81.7332% | 4,374 |
| Equity capital to assets | 9.7379% | 4,360 |
| Core capital (leverage) ratio | 8.4932% | 5,537 |
| Tier 1 risk-based capital ratio | 12.1102% | 5,073 |
| Total risk-based capital ratio | 13.3656% | 4,965 |
| Memoranda: | ||
| Average total assets | $2,844,443,330 | 295 |
| Average earning assets | $2,686,166,670 | 285 |
| Average equity | $281,593,000 | 325 |
| Average total loans | $1,821,992,330 | 305 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6071% | 4,669 |
| Cost of funding earning assets | 0.2436% | 5,090 |
| Net interest margin | 3.3635% | 3,976 |
| Noninterest income to average assets | 0.7615% | 1,858 |
| Noninterest expense to average assets | 2.3603% | 4,708 |
| Loan and lease loss provision to assets | 0.1014% | 2,005 |
| Net operating income to assets | 1.4767% | 888 |
| Return on assets (ROA) | 1.4788% | 941 |
| Pretax return on assets | 1.4788% | 1,634 |
| Return on Equity (ROE) | 14.8144% | 739 |
| Retained earnings to average equity (ytd only) | 14.8144% | 300 |
| Net charge-offs to loans | -0.0997% | 5,857 |
| Credit loss provision to net charge-offs | -159.6882% | 4,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8051% | 5,242 |
| Assets per employee ($millions) | 5.4721% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 1,535 |
| Loan loss allowance to noncurrent loans | 263.2716% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 4,147 |
| Noncurrent loans to loans | 0.6766% | 3,592 |
| Net loans and leases to total assets | 61.4080% | 3,463 |
| Net loans and leases to deposits | 75.2949% | 3,136 |
| Net loans and leases to core deposits | 78.1469% | 3,363 |
| Total domestic deposits to total assets | 81.5566% | 4,653 |
| Equity capital to assets | 9.9098% | 4,255 |
| Core capital (leverage) ratio | 8.4993% | 5,520 |
| Tier 1 risk-based capital ratio | 12.4636% | 4,929 |
| Total risk-based capital ratio | 13.7183% | 4,841 |
| Memoranda: | ||
| Average total assets | $2,827,149,000 | 292 |
| Average earning assets | $2,670,281,000 | 287 |
| Average equity | $282,211,000 | 322 |
| Average total loans | $1,802,123,500 | 306 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6931% | 4,793 |
| Cost of funding earning assets | 0.2713% | 5,078 |
| Net interest margin | 3.4218% | 4,099 |
| Noninterest income to average assets | 0.7690% | 1,995 |
| Noninterest expense to average assets | 2.2950% | 5,125 |
| Loan and lease loss provision to assets | 0.1069% | 2,369 |
| Net operating income to assets | 1.5852% | 728 |
| Return on assets (ROA) | 1.5901% | 759 |
| Pretax return on assets | 1.5901% | 1,267 |
| Return on Equity (ROE) | 16.0198% | 619 |
| Retained earnings to average equity (ytd only) | 11.7567% | 317 |
| Net charge-offs to loans | 0.0085% | 4,748 |
| Credit loss provision to net charge-offs | 1,984.2857% | 155 |
| Earnings coverage of net charge-offs (x) | 314.1786% | 179 |
| Efficiency ratio | 56.7280% | 5,596 |
| Assets per employee ($millions) | 5.7642% | 1,547 |
| Cash dividends to net income (ytd only)* | 26.6118% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7654% | 1,612 |
| Loan loss allowance to noncurrent loans | 302.1668% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 4,496 |
| Noncurrent loans to loans | 0.5843% | 3,918 |
| Net loans and leases to total assets | 63.9018% | 3,239 |
| Net loans and leases to deposits | 78.7993% | 2,864 |
| Net loans and leases to core deposits | 81.8706% | 3,126 |
| Total domestic deposits to total assets | 81.0944% | 4,721 |
| Equity capital to assets | 10.0596% | 4,032 |
| Core capital (leverage) ratio | 8.9956% | 5,011 |
| Tier 1 risk-based capital ratio | 12.7481% | 4,889 |
| Total risk-based capital ratio | 14.0035% | 4,790 |
| Memoranda: | ||
| Average total assets | $2,599,475,200 | 294 |
| Average earning assets | $2,444,720,800 | 287 |
| Average equity | $258,024,000 | 324 |
| Average total loans | $1,644,448,200 | 309 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 4,895 |
| Cost of funding earning assets | 0.2764% | 5,135 |
| Net interest margin | 3.4121% | 4,187 |
| Noninterest income to average assets | 0.7591% | 2,056 |
| Noninterest expense to average assets | 2.3145% | 5,068 |
| Loan and lease loss provision to assets | 0.1069% | 2,255 |
| Net operating income to assets | 1.5425% | 857 |
| Return on assets (ROA) | 1.5449% | 885 |
| Pretax return on assets | 1.5449% | 1,497 |
| Return on Equity (ROE) | 15.6197% | 727 |
| Retained earnings to average equity (ytd only) | 9.8415% | 750 |
| Net charge-offs to loans | 0.0240% | 4,036 |
| Credit loss provision to net charge-offs | 709.3103% | 429 |
| Earnings coverage of net charge-offs (x) | 109.4681% | 547 |
| Efficiency ratio | 57.5424% | 5,501 |
| Assets per employee ($millions) | 5.6923% | 1,567 |
| Cash dividends to net income (ytd only)* | 36.9934% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 1,689 |
| Loan loss allowance to noncurrent loans | 303.1803% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 4,769 |
| Noncurrent loans to loans | 0.5945% | 4,149 |
| Net loans and leases to total assets | 62.1226% | 3,466 |
| Net loans and leases to deposits | 79.7495% | 2,727 |
| Net loans and leases to core deposits | 83.1046% | 2,986 |
| Total domestic deposits to total assets | 77.8972% | 5,553 |
| Equity capital to assets | 9.8459% | 4,365 |
| Core capital (leverage) ratio | 9.0446% | 5,013 |
| Tier 1 risk-based capital ratio | 12.5366% | 5,148 |
| Total risk-based capital ratio | 13.7923% | 5,079 |
| Memoranda: | ||
| Average total assets | $2,566,289,750 | 293 |
| Average earning assets | $2,410,350,500 | 288 |
| Average equity | $253,817,750 | 324 |
| Average total loans | $1,611,232,000 | 309 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 4,944 |
| Cost of funding earning assets | 0.2833% | 5,150 |
| Net interest margin | 3.3878% | 4,226 |
| Noninterest income to average assets | 0.7054% | 2,255 |
| Noninterest expense to average assets | 2.3186% | 5,106 |
| Loan and lease loss provision to assets | 0.1059% | 2,254 |
| Net operating income to assets | 1.4562% | 952 |
| Return on assets (ROA) | 1.4599% | 991 |
| Pretax return on assets | 1.4599% | 1,674 |
| Return on Equity (ROE) | 14.7372% | 834 |
| Retained earnings to average equity (ytd only) | 5.9589% | 2,347 |
| Net charge-offs to loans | 0.0242% | 3,712 |
| Credit loss provision to net charge-offs | 697.3958% | 456 |
| Earnings coverage of net charge-offs (x) | 102.9167% | 549 |
| Efficiency ratio | 58.8665% | 5,452 |
| Assets per employee ($millions) | 5.2849% | 1,887 |
| Cash dividends to net income (ytd only)* | 59.5657% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 1,767 |
| Loan loss allowance to noncurrent loans | 244.5863% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 4,330 |
| Noncurrent loans to loans | 0.7476% | 3,834 |
| Net loans and leases to total assets | 62.9900% | 3,237 |
| Net loans and leases to deposits | 77.3012% | 2,890 |
| Net loans and leases to core deposits | 80.6168% | 3,142 |
| Total domestic deposits to total assets | 81.4865% | 4,815 |
| Equity capital to assets | 9.9679% | 4,154 |
| Core capital (leverage) ratio | 8.7745% | 5,298 |
| Tier 1 risk-based capital ratio | 12.3634% | 5,326 |
| Total risk-based capital ratio | 13.6194% | 5,240 |
| Memoranda: | ||
| Average total assets | $2,529,927,670 | 296 |
| Average earning assets | $2,371,211,000 | 288 |
| Average equity | $250,618,330 | 324 |
| Average total loans | $1,584,136,330 | 308 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6238% | 5,091 |
| Cost of funding earning assets | 0.2828% | 5,245 |
| Net interest margin | 3.3411% | 4,366 |
| Noninterest income to average assets | 0.6617% | 2,392 |
| Noninterest expense to average assets | 2.3519% | 5,063 |
| Loan and lease loss provision to assets | 0.0808% | 2,536 |
| Net operating income to assets | 1.3597% | 1,075 |
| Return on assets (ROA) | 1.3597% | 1,122 |
| Pretax return on assets | 1.3597% | 1,883 |
| Return on Equity (ROE) | 13.7688% | 983 |
| Retained earnings to average equity (ytd only) | 13.7688% | 413 |
| Net charge-offs to loans | 0.0318% | 2,953 |
| Credit loss provision to net charge-offs | 410.4839% | 640 |
| Earnings coverage of net charge-offs (x) | 73.2177% | 573 |
| Efficiency ratio | 61.1137% | 5,252 |
| Assets per employee ($millions) | 5.2179% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8549% | 1,886 |
| Loan loss allowance to noncurrent loans | 231.9344% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 4,419 |
| Noncurrent loans to loans | 0.7997% | 3,872 |
| Net loans and leases to total assets | 61.2719% | 3,348 |
| Net loans and leases to deposits | 75.9174% | 2,820 |
| Net loans and leases to core deposits | 79.0614% | 3,084 |
| Total domestic deposits to total assets | 80.7087% | 5,310 |
| Equity capital to assets | 10.1233% | 3,694 |
| Core capital (leverage) ratio | 8.9650% | 5,066 |
| Tier 1 risk-based capital ratio | 12.6629% | 5,214 |
| Total risk-based capital ratio | 13.9189% | 5,143 |
| Memoranda: | ||
| Average total assets | $2,521,227,500 | 296 |
| Average earning assets | $2,362,357,000 | 286 |
| Average equity | $248,969,500 | 326 |
| Average total loans | $1,558,980,000 | 316 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 5,063 |
| Cost of funding earning assets | 0.3275% | 5,350 |
| Net interest margin | 3.3942% | 4,297 |
| Noninterest income to average assets | 0.8546% | 1,847 |
| Noninterest expense to average assets | 2.3371% | 5,264 |
| Loan and lease loss provision to assets | 0.0468% | 4,187 |
| Net operating income to assets | 1.6545% | 627 |
| Return on assets (ROA) | 1.6546% | 640 |
| Pretax return on assets | 1.6546% | 1,044 |
| Return on Equity (ROE) | 16.5416% | 558 |
| Retained earnings to average equity (ytd only) | 8.9473% | 782 |
| Net charge-offs to loans | 0.1401% | 3,409 |
| Credit loss provision to net charge-offs | 56.1300% | 3,670 |
| Earnings coverage of net charge-offs (x) | 20.4013% | 1,552 |
| Efficiency ratio | 57.1904% | 5,829 |
| Assets per employee ($millions) | 5.2655% | 1,888 |
| Cash dividends to net income (ytd only)* | 45.9103% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8567% | 1,904 |
| Loan loss allowance to noncurrent loans | 207.3521% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 4,370 |
| Noncurrent loans to loans | 0.8954% | 3,749 |
| Net loans and leases to total assets | 60.1042% | 3,696 |
| Net loans and leases to deposits | 73.8434% | 3,284 |
| Net loans and leases to core deposits | 76.8556% | 3,510 |
| Total domestic deposits to total assets | 81.3942% | 5,069 |
| Equity capital to assets | 9.6278% | 4,247 |
| Core capital (leverage) ratio | 8.5303% | 5,632 |
| Tier 1 risk-based capital ratio | 12.3129% | 5,422 |
| Total risk-based capital ratio | 13.5691% | 5,340 |
| Memoranda: | ||
| Average total assets | $2,435,431,000 | 301 |
| Average earning assets | $2,284,501,000 | 288 |
| Average equity | $243,603,400 | 327 |
| Average total loans | $1,449,416,000 | 315 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7109% | 5,134 |
| Cost of funding earning assets | 0.3372% | 5,412 |
| Net interest margin | 3.3737% | 4,387 |
| Noninterest income to average assets | 0.8936% | 1,777 |
| Noninterest expense to average assets | 2.3502% | 5,181 |
| Loan and lease loss provision to assets | 0.0574% | 3,903 |
| Net operating income to assets | 1.6527% | 678 |
| Return on assets (ROA) | 1.6528% | 713 |
| Pretax return on assets | 1.6528% | 1,205 |
| Return on Equity (ROE) | 16.3632% | 598 |
| Retained earnings to average equity (ytd only) | 8.7028% | 1,160 |
| Net charge-offs to loans | 0.1958% | 2,667 |
| Credit loss provision to net charge-offs | 49.6176% | 3,511 |
| Earnings coverage of net charge-offs (x) | 14.7907% | 1,914 |
| Efficiency ratio | 57.2646% | 5,770 |
| Assets per employee ($millions) | 5.0927% | 2,059 |
| Cash dividends to net income (ytd only)* | 46.8149% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 2,043 |
| Loan loss allowance to noncurrent loans | 256.1951% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 4,301 |
| Noncurrent loans to loans | 0.7358% | 4,377 |
| Net loans and leases to total assets | 59.3570% | 3,796 |
| Net loans and leases to deposits | 71.9309% | 3,520 |
| Net loans and leases to core deposits | 74.9680% | 3,738 |
| Total domestic deposits to total assets | 82.5195% | 4,750 |
| Equity capital to assets | 9.5762% | 4,451 |
| Core capital (leverage) ratio | 8.5872% | 5,676 |
| Tier 1 risk-based capital ratio | 12.2013% | 5,646 |
| Total risk-based capital ratio | 13.4579% | 5,573 |
| Memoranda: | ||
| Average total assets | $2,412,433,500 | 303 |
| Average earning assets | $2,264,385,250 | 293 |
| Average equity | $243,670,500 | 324 |
| Average total loans | $1,424,813,500 | 327 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6552% | 5,276 |
| Cost of funding earning assets | 0.3449% | 5,454 |
| Net interest margin | 3.3103% | 4,534 |
| Noninterest income to average assets | 0.9090% | 1,788 |
| Noninterest expense to average assets | 2.3189% | 5,302 |
| Loan and lease loss provision to assets | 0.0624% | 3,764 |
| Net operating income to assets | 1.6394% | 693 |
| Return on assets (ROA) | 1.6395% | 759 |
| Pretax return on assets | 1.6395% | 1,254 |
| Return on Equity (ROE) | 15.9412% | 678 |
| Retained earnings to average equity (ytd only) | 11.0415% | 634 |
| Net charge-offs to loans | 0.2583% | 2,174 |
| Credit loss provision to net charge-offs | 41.2549% | 3,389 |
| Earnings coverage of net charge-offs (x) | 11.2510% | 2,064 |
| Efficiency ratio | 57.1772% | 5,838 |
| Assets per employee ($millions) | 5.0607% | 2,040 |
| Cash dividends to net income (ytd only)* | 30.7361% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 2,073 |
| Loan loss allowance to noncurrent loans | 285.9488% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 4,512 |
| Noncurrent loans to loans | 0.6699% | 4,596 |
| Net loans and leases to total assets | 58.9961% | 3,830 |
| Net loans and leases to deposits | 72.5600% | 3,368 |
| Net loans and leases to core deposits | 76.0509% | 3,534 |
| Total domestic deposits to total assets | 81.3067% | 5,260 |
| Equity capital to assets | 9.6554% | 4,377 |
| Core capital (leverage) ratio | 8.2903% | 5,892 |
| Tier 1 risk-based capital ratio | 12.5022% | 5,496 |
| Total risk-based capital ratio | 13.7592% | 5,432 |
| Memoranda: | ||
| Average total assets | $2,381,367,670 | 307 |
| Average earning assets | $2,238,537,670 | 294 |
| Average equity | $244,912,330 | 323 |
| Average total loans | $1,394,470,330 | 327 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 5,392 |
| Cost of funding earning assets | 0.3541% | 5,488 |
| Net interest margin | 3.2662% | 4,646 |
| Noninterest income to average assets | 0.9128% | 1,718 |
| Noninterest expense to average assets | 2.3134% | 5,387 |
| Loan and lease loss provision to assets | 0.1197% | 2,726 |
| Net operating income to assets | 1.5519% | 765 |
| Return on assets (ROA) | 1.5519% | 836 |
| Pretax return on assets | 1.5519% | 1,421 |
| Return on Equity (ROE) | 14.6140% | 838 |
| Retained earnings to average equity (ytd only) | 14.6140% | 383 |
| Net charge-offs to loans | 0.4877% | 1,228 |
| Credit loss provision to net charge-offs | 42.5350% | 2,714 |
| Earnings coverage of net charge-offs (x) | 5.9391% | 2,300 |
| Efficiency ratio | 57.6440% | 5,894 |
| Assets per employee ($millions) | 5.1294% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1393% | 1,708 |
| Loan loss allowance to noncurrent loans | 216.7347% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 4,258 |
| Noncurrent loans to loans | 0.9871% | 4,157 |
| Net loans and leases to total assets | 56.5992% | 3,990 |
| Net loans and leases to deposits | 69.9070% | 3,495 |
| Net loans and leases to core deposits | 73.1354% | 3,688 |
| Total domestic deposits to total assets | 80.9635% | 5,509 |
| Equity capital to assets | 10.8321% | 3,165 |
| Core capital (leverage) ratio | 9.1896% | 4,584 |
| Tier 1 risk-based capital ratio | 13.9938% | 4,505 |
| Total risk-based capital ratio | 15.2530% | 4,460 |
| Memoranda: | ||
| Average total assets | $2,332,170,000 | 319 |
| Average earning assets | $2,193,630,500 | 304 |
| Average equity | $247,653,000 | 325 |
| Average total loans | $1,345,937,500 | 336 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 5,644 |
| Cost of funding earning assets | 0.4387% | 5,661 |
| Net interest margin | 3.4386% | 4,751 |
| Noninterest income to average assets | 0.8637% | 1,978 |
| Noninterest expense to average assets | 2.3191% | 5,640 |
| Loan and lease loss provision to assets | 0.1526% | 3,704 |
| Net operating income to assets | 1.6244% | 726 |
| Return on assets (ROA) | 1.6249% | 801 |
| Pretax return on assets | 1.6249% | 1,321 |
| Return on Equity (ROE) | 15.5247% | 730 |
| Retained earnings to average equity (ytd only) | 9.9173% | 612 |
| Net charge-offs to loans | 0.1274% | 4,409 |
| Credit loss provision to net charge-offs | 205.8465% | 1,245 |
| Earnings coverage of net charge-offs (x) | 23.9708% | 1,196 |
| Efficiency ratio | 56.1999% | 6,037 |
| Assets per employee ($millions) | 5.1899% | 1,999 |
| Cash dividends to net income (ytd only)* | 36.1191% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 1,561 |
| Loan loss allowance to noncurrent loans | 133.5587% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 4,086 |
| Noncurrent loans to loans | 1.6422% | 3,160 |
| Net loans and leases to total assets | 56.3255% | 4,232 |
| Net loans and leases to deposits | 68.1672% | 3,960 |
| Net loans and leases to core deposits | 71.3826% | 4,118 |
| Total domestic deposits to total assets | 82.6285% | 4,877 |
| Equity capital to assets | 10.4084% | 3,637 |
| Core capital (leverage) ratio | 8.8354% | 5,123 |
| Tier 1 risk-based capital ratio | 13.4470% | 4,793 |
| Total risk-based capital ratio | 14.7071% | 4,743 |
| Memoranda: | ||
| Average total assets | $2,215,018,800 | 323 |
| Average earning assets | $2,082,159,800 | 311 |
| Average equity | $231,836,400 | 331 |
| Average total loans | $1,288,911,000 | 339 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 5,709 |
| Cost of funding earning assets | 0.4572% | 5,743 |
| Net interest margin | 3.4752% | 4,733 |
| Noninterest income to average assets | 0.8494% | 2,036 |
| Noninterest expense to average assets | 2.3265% | 5,607 |
| Loan and lease loss provision to assets | 0.1518% | 3,639 |
| Net operating income to assets | 1.6420% | 775 |
| Return on assets (ROA) | 1.6425% | 852 |
| Pretax return on assets | 1.6425% | 1,443 |
| Return on Equity (ROE) | 15.6694% | 785 |
| Retained earnings to average equity (ytd only) | 8.0923% | 1,582 |
| Net charge-offs to loans | 0.1149% | 4,233 |
| Credit loss provision to net charge-offs | 226.5269% | 1,219 |
| Earnings coverage of net charge-offs (x) | 26.7648% | 1,203 |
| Efficiency ratio | 56.0431% | 6,055 |
| Assets per employee ($millions) | 4.9699% | 2,226 |
| Cash dividends to net income (ytd only)* | 48.3559% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,637 |
| Loan loss allowance to noncurrent loans | 112.6370% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.2109% | 3,868 |
| Noncurrent loans to loans | 1.9859% | 2,859 |
| Net loans and leases to total assets | 57.0935% | 4,283 |
| Net loans and leases to deposits | 68.9847% | 4,033 |
| Net loans and leases to core deposits | 72.6885% | 4,170 |
| Total domestic deposits to total assets | 82.7626% | 4,739 |
| Equity capital to assets | 10.5791% | 3,757 |
| Core capital (leverage) ratio | 8.7522% | 5,398 |
| Tier 1 risk-based capital ratio | 13.3511% | 4,986 |
| Total risk-based capital ratio | 14.6117% | 4,939 |
| Memoranda: | ||
| Average total assets | $2,182,312,250 | 329 |
| Average earning assets | $2,054,094,500 | 312 |
| Average equity | $228,754,500 | 333 |
| Average total loans | $1,273,404,000 | 344 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 5,743 |
| Cost of funding earning assets | 0.4768% | 5,783 |
| Net interest margin | 3.4902% | 4,717 |
| Noninterest income to average assets | 0.8367% | 2,019 |
| Noninterest expense to average assets | 2.3306% | 5,659 |
| Loan and lease loss provision to assets | 0.1564% | 3,561 |
| Net operating income to assets | 1.6332% | 780 |
| Return on assets (ROA) | 1.6335% | 866 |
| Pretax return on assets | 1.6335% | 1,440 |
| Return on Equity (ROE) | 15.6334% | 831 |
| Retained earnings to average equity (ytd only) | 8.5526% | 1,430 |
| Net charge-offs to loans | 0.1509% | 3,706 |
| Credit loss provision to net charge-offs | 177.6261% | 1,586 |
| Earnings coverage of net charge-offs (x) | 20.3267% | 1,392 |
| Efficiency ratio | 56.1411% | 6,099 |
| Assets per employee ($millions) | 4.8539% | 2,355 |
| Cash dividends to net income (ytd only)* | 45.2924% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2538% | 1,668 |
| Loan loss allowance to noncurrent loans | 104.8563% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.3467% | 3,747 |
| Noncurrent loans to loans | 2.1494% | 2,763 |
| Net loans and leases to total assets | 57.1026% | 4,311 |
| Net loans and leases to deposits | 68.6238% | 4,104 |
| Net loans and leases to core deposits | 72.8524% | 4,191 |
| Total domestic deposits to total assets | 83.2110% | 4,672 |
| Equity capital to assets | 10.6182% | 3,548 |
| Core capital (leverage) ratio | 8.7333% | 5,327 |
| Tier 1 risk-based capital ratio | 13.3943% | 4,904 |
| Total risk-based capital ratio | 14.6549% | 4,857 |
| Memoranda: | ||
| Average total assets | $2,162,609,000 | 331 |
| Average earning assets | $2,034,551,000 | 312 |
| Average equity | $225,965,330 | 334 |
| Average total loans | $1,261,543,330 | 351 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 5,771 |
| Cost of funding earning assets | 0.4972% | 5,837 |
| Net interest margin | 3.4974% | 4,716 |
| Noninterest income to average assets | 0.7990% | 2,173 |
| Noninterest expense to average assets | 2.3434% | 5,653 |
| Loan and lease loss provision to assets | 0.2496% | 2,465 |
| Net operating income to assets | 1.4936% | 1,035 |
| Return on assets (ROA) | 1.4938% | 1,155 |
| Pretax return on assets | 1.4938% | 1,886 |
| Return on Equity (ROE) | 14.4143% | 1,101 |
| Retained earnings to average equity (ytd only) | 10.8349% | 1,081 |
| Net charge-offs to loans | 0.1133% | 3,445 |
| Credit loss provision to net charge-offs | 378.0899% | 813 |
| Earnings coverage of net charge-offs (x) | 26.4017% | 1,005 |
| Efficiency ratio | 56.9120% | 6,036 |
| Assets per employee ($millions) | 4.8604% | 2,438 |
| Cash dividends to net income (ytd only)* | 24.8324% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2983% | 1,680 |
| Loan loss allowance to noncurrent loans | 97.2196% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.4739% | 3,658 |
| Noncurrent loans to loans | 2.3640% | 2,738 |
| Net loans and leases to total assets | 56.5124% | 4,287 |
| Net loans and leases to deposits | 67.5729% | 4,137 |
| Net loans and leases to core deposits | 71.7394% | 4,189 |
| Total domestic deposits to total assets | 83.6318% | 4,665 |
| Equity capital to assets | 10.4538% | 3,550 |
| Core capital (leverage) ratio | 8.7264% | 5,257 |
| Tier 1 risk-based capital ratio | 13.2997% | 4,981 |
| Total risk-based capital ratio | 14.5608% | 4,962 |
| Memoranda: | ||
| Average total assets | $2,156,649,500 | 326 |
| Average earning assets | $2,027,347,500 | 306 |
| Average equity | $223,500,000 | 332 |
| Average total loans | $1,257,143,500 | 351 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 5,580 |
| Cost of funding earning assets | 0.6353% | 5,897 |
| Net interest margin | 3.7226% | 4,192 |
| Noninterest income to average assets | 0.8188% | 1,968 |
| Noninterest expense to average assets | 2.4305% | 5,697 |
| Loan and lease loss provision to assets | 0.3671% | 2,791 |
| Net operating income to assets | 1.5074% | 809 |
| Return on assets (ROA) | 1.5275% | 849 |
| Pretax return on assets | 1.5275% | 1,400 |
| Return on Equity (ROE) | 14.7626% | 786 |
| Retained earnings to average equity (ytd only) | 3.3548% | 3,831 |
| Net charge-offs to loans | 0.5169% | 2,922 |
| Credit loss provision to net charge-offs | 116.8963% | 2,761 |
| Earnings coverage of net charge-offs (x) | 5.9684% | 2,631 |
| Efficiency ratio | 56.0251% | 6,314 |
| Assets per employee ($millions) | 4.7256% | 2,551 |
| Cash dividends to net income (ytd only)* | 77.2748% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2178% | 1,769 |
| Loan loss allowance to noncurrent loans | 98.9675% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.5573% | 3,611 |
| Noncurrent loans to loans | 2.2410% | 2,908 |
| Net loans and leases to total assets | 57.4450% | 4,473 |
| Net loans and leases to deposits | 68.9638% | 4,281 |
| Net loans and leases to core deposits | 73.8854% | 4,258 |
| Total domestic deposits to total assets | 83.2974% | 4,623 |
| Equity capital to assets | 10.2715% | 3,820 |
| Core capital (leverage) ratio | 8.5460% | 5,487 |
| Tier 1 risk-based capital ratio | 12.8436% | 5,202 |
| Total risk-based capital ratio | 14.1036% | 5,171 |
| Memoranda: | ||
| Average total assets | $2,033,294,200 | 342 |
| Average earning assets | $1,904,185,000 | 324 |
| Average equity | $210,382,400 | 336 |
| Average total loans | $1,235,473,400 | 349 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 5,542 |
| Cost of funding earning assets | 0.6692% | 5,939 |
| Net interest margin | 3.7511% | 4,103 |
| Noninterest income to average assets | 0.8313% | 1,923 |
| Noninterest expense to average assets | 2.4625% | 5,584 |
| Loan and lease loss provision to assets | 0.3602% | 2,706 |
| Net operating income to assets | 1.5217% | 890 |
| Return on assets (ROA) | 1.5449% | 933 |
| Pretax return on assets | 1.5449% | 1,531 |
| Return on Equity (ROE) | 14.9016% | 850 |
| Retained earnings to average equity (ytd only) | 4.0049% | 3,866 |
| Net charge-offs to loans | 0.6651% | 2,254 |
| Credit loss provision to net charge-offs | 88.3456% | 3,828 |
| Earnings coverage of net charge-offs (x) | 4.6160% | 3,007 |
| Efficiency ratio | 56.2491% | 6,243 |
| Assets per employee ($millions) | 4.6631% | 2,670 |
| Cash dividends to net income (ytd only)* | 73.1246% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1315% | 1,999 |
| Loan loss allowance to noncurrent loans | 124.8589% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.1844% | 4,419 |
| Noncurrent loans to loans | 1.7071% | 3,749 |
| Net loans and leases to total assets | 57.6169% | 4,561 |
| Net loans and leases to deposits | 69.5327% | 4,375 |
| Net loans and leases to core deposits | 74.9119% | 4,330 |
| Total domestic deposits to total assets | 82.8631% | 4,735 |
| Equity capital to assets | 10.5758% | 3,607 |
| Core capital (leverage) ratio | 8.6962% | 5,416 |
| Tier 1 risk-based capital ratio | 13.2498% | 4,914 |
| Total risk-based capital ratio | 14.5090% | 4,881 |
| Memoranda: | ||
| Average total assets | $2,006,443,500 | 350 |
| Average earning assets | $1,879,127,000 | 331 |
| Average equity | $208,007,750 | 343 |
| Average total loans | $1,229,938,000 | 350 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 5,433 |
| Cost of funding earning assets | 0.7003% | 5,956 |
| Net interest margin | 3.7757% | 3,909 |
| Noninterest income to average assets | 0.8388% | 1,844 |
| Noninterest expense to average assets | 2.5326% | 5,425 |
| Loan and lease loss provision to assets | 0.3406% | 2,740 |
| Net operating income to assets | 1.5017% | 891 |
| Return on assets (ROA) | 1.5049% | 939 |
| Pretax return on assets | 1.5049% | 1,516 |
| Return on Equity (ROE) | 14.6196% | 869 |
| Retained earnings to average equity (ytd only) | 0.8960% | 5,510 |
| Net charge-offs to loans | 0.1963% | 3,974 |
| Credit loss provision to net charge-offs | 279.1563% | 1,092 |
| Earnings coverage of net charge-offs (x) | 15.1009% | 1,427 |
| Efficiency ratio | 57.4536% | 6,235 |
| Assets per employee ($millions) | 4.4417% | 2,941 |
| Cash dividends to net income (ytd only)* | 93.8715% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3721% | 1,637 |
| Loan loss allowance to noncurrent loans | 104.2673% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.6014% | 3,797 |
| Noncurrent loans to loans | 2.2750% | 3,130 |
| Net loans and leases to total assets | 59.2765% | 4,417 |
| Net loans and leases to deposits | 71.2659% | 4,239 |
| Net loans and leases to core deposits | 77.2173% | 4,162 |
| Total domestic deposits to total assets | 83.1765% | 4,687 |
| Equity capital to assets | 10.5191% | 3,482 |
| Core capital (leverage) ratio | 8.6348% | 5,336 |
| Tier 1 risk-based capital ratio | 12.9179% | 4,984 |
| Total risk-based capital ratio | 14.1800% | 4,953 |
| Memoranda: | ||
| Average total assets | $1,982,007,000 | 355 |
| Average earning assets | $1,856,177,670 | 338 |
| Average equity | $204,027,000 | 351 |
| Average total loans | $1,231,788,000 | 352 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5054% | 5,318 |
| Cost of funding earning assets | 0.7218% | 6,019 |
| Net interest margin | 3.7837% | 3,684 |
| Noninterest income to average assets | 0.8854% | 1,709 |
| Noninterest expense to average assets | 2.6353% | 5,096 |
| Loan and lease loss provision to assets | 0.1647% | 3,985 |
| Net operating income to assets | 1.6256% | 656 |
| Return on assets (ROA) | 1.6269% | 691 |
| Pretax return on assets | 1.6269% | 1,131 |
| Return on Equity (ROE) | 15.9829% | 677 |
| Retained earnings to average equity (ytd only) | 5.9936% | 2,640 |
| Net charge-offs to loans | 0.0944% | 4,000 |
| Credit loss provision to net charge-offs | 277.3973% | 1,143 |
| Earnings coverage of net charge-offs (x) | 30.1507% | 827 |
| Efficiency ratio | 59.1095% | 6,116 |
| Assets per employee ($millions) | 4.3584% | 3,111 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2443% | 1,870 |
| Loan loss allowance to noncurrent loans | 107.9338% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 4,106 |
| Noncurrent loans to loans | 2.0793% | 3,473 |
| Net loans and leases to total assets | 60.4302% | 4,185 |
| Net loans and leases to deposits | 72.9174% | 3,935 |
| Net loans and leases to core deposits | 79.3324% | 3,840 |
| Total domestic deposits to total assets | 82.8749% | 4,973 |
| Equity capital to assets | 10.2690% | 3,443 |
| Core capital (leverage) ratio | 8.8490% | 4,854 |
| Tier 1 risk-based capital ratio | 13.0453% | 4,796 |
| Total risk-based capital ratio | 14.3058% | 4,769 |
| Memoranda: | ||
| Average total assets | $1,966,972,500 | 356 |
| Average earning assets | $1,840,438,000 | 342 |
| Average equity | $200,214,000 | 352 |
| Average total loans | $1,236,848,000 | 355 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 4,738 |
| Cost of funding earning assets | 0.9990% | 5,699 |
| Net interest margin | 3.9624% | 3,201 |
| Noninterest income to average assets | 0.8146% | 2,206 |
| Noninterest expense to average assets | 2.5748% | 5,526 |
| Loan and lease loss provision to assets | 0.5215% | 3,067 |
| Net operating income to assets | 1.4156% | 915 |
| Return on assets (ROA) | 1.4279% | 959 |
| Pretax return on assets | 1.4279% | 1,570 |
| Return on Equity (ROE) | 14.1469% | 857 |
| Retained earnings to average equity (ytd only) | 8.4845% | 843 |
| Net charge-offs to loans | 0.6780% | 2,974 |
| Credit loss provision to net charge-offs | 116.4791% | 3,692 |
| Earnings coverage of net charge-offs (x) | 4.3266% | 2,967 |
| Efficiency ratio | 56.4113% | 6,541 |
| Assets per employee ($millions) | 4.3354% | 3,141 |
| Cash dividends to net income (ytd only)* | 40.0262% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1350% | 1,992 |
| Loan loss allowance to noncurrent loans | 132.2792% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 4,569 |
| Noncurrent loans to loans | 1.6140% | 4,085 |
| Net loans and leases to total assets | 62.5821% | 4,153 |
| Net loans and leases to deposits | 75.6983% | 3,887 |
| Net loans and leases to core deposits | 82.4133% | 3,838 |
| Total domestic deposits to total assets | 82.6730% | 4,937 |
| Equity capital to assets | 10.0883% | 3,635 |
| Core capital (leverage) ratio | 8.6503% | 5,104 |
| Tier 1 risk-based capital ratio | 12.6350% | 4,911 |
| Total risk-based capital ratio | 13.8947% | 4,884 |
| Memoranda: | ||
| Average total assets | $1,924,662,800 | 361 |
| Average earning assets | $1,795,876,000 | 348 |
| Average equity | $194,261,000 | 359 |
| Average total loans | $1,270,878,600 | 358 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 4,709 |
| Cost of funding earning assets | 1.0559% | 5,672 |
| Net interest margin | 3.9666% | 3,252 |
| Noninterest income to average assets | 0.7788% | 2,329 |
| Noninterest expense to average assets | 2.5796% | 5,405 |
| Loan and lease loss provision to assets | 0.6230% | 2,442 |
| Net operating income to assets | 1.2762% | 1,395 |
| Return on assets (ROA) | 1.2905% | 1,439 |
| Pretax return on assets | 1.2905% | 2,202 |
| Return on Equity (ROE) | 12.7843% | 1,320 |
| Retained earnings to average equity (ytd only) | 7.2661% | 1,716 |
| Net charge-offs to loans | 0.7894% | 2,468 |
| Credit loss provision to net charge-offs | 118.5504% | 3,496 |
| Earnings coverage of net charge-offs (x) | 3.6141% | 3,372 |
| Efficiency ratio | 56.8575% | 6,433 |
| Assets per employee ($millions) | 4.2994% | 3,259 |
| Cash dividends to net income (ytd only)* | 43.1639% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1557% | 1,878 |
| Loan loss allowance to noncurrent loans | 146.9962% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 1.1128% | 4,891 |
| Noncurrent loans to loans | 1.4665% | 4,425 |
| Net loans and leases to total assets | 62.3020% | 4,461 |
| Net loans and leases to deposits | 75.6643% | 4,233 |
| Net loans and leases to core deposits | 83.4863% | 4,024 |
| Total domestic deposits to total assets | 82.3400% | 4,858 |
| Equity capital to assets | 10.4286% | 3,602 |
| Core capital (leverage) ratio | 8.4173% | 5,669 |
| Tier 1 risk-based capital ratio | 12.2822% | 5,200 |
| Total risk-based capital ratio | 13.5421% | 5,159 |
| Memoranda: | ||
| Average total assets | $1,914,846,750 | 363 |
| Average earning assets | $1,786,149,250 | 344 |
| Average equity | $193,294,750 | 356 |
| Average total loans | $1,274,628,500 | 354 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 4,568 |
| Cost of funding earning assets | 1.0910% | 5,723 |
| Net interest margin | 3.9868% | 3,080 |
| Noninterest income to average assets | 0.7651% | 2,301 |
| Noninterest expense to average assets | 2.5798% | 5,405 |
| Loan and lease loss provision to assets | 0.9100% | 1,601 |
| Net operating income to assets | 0.9946% | 2,219 |
| Return on assets (ROA) | 1.0109% | 2,225 |
| Pretax return on assets | 1.0109% | 3,076 |
| Return on Equity (ROE) | 10.1289% | 2,059 |
| Retained earnings to average equity (ytd only) | 4.8622% | 2,976 |
| Net charge-offs to loans | 0.4865% | 3,083 |
| Credit loss provision to net charge-offs | 276.9034% | 1,345 |
| Earnings coverage of net charge-offs (x) | 5.7956% | 2,597 |
| Efficiency ratio | 56.6355% | 6,553 |
| Assets per employee ($millions) | 4.1943% | 3,395 |
| Cash dividends to net income (ytd only)* | 51.9967% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4115% | 1,419 |
| Loan loss allowance to noncurrent loans | 156.6277% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 1.2502% | 4,650 |
| Noncurrent loans to loans | 1.5396% | 4,404 |
| Net loans and leases to total assets | 65.0017% | 4,042 |
| Net loans and leases to deposits | 78.2114% | 3,929 |
| Net loans and leases to core deposits | 86.6228% | 3,746 |
| Total domestic deposits to total assets | 83.1102% | 4,526 |
| Equity capital to assets | 10.1102% | 3,879 |
| Core capital (leverage) ratio | 8.2581% | 5,843 |
| Tier 1 risk-based capital ratio | 11.5681% | 5,702 |
| Total risk-based capital ratio | 12.8312% | 5,656 |
| Memoranda: | ||
| Average total assets | $1,902,482,330 | 365 |
| Average earning assets | $1,774,824,670 | 348 |
| Average equity | $189,873,000 | 361 |
| Average total loans | $1,285,207,670 | 356 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 4,553 |
| Cost of funding earning assets | 1.1019% | 5,899 |
| Net interest margin | 3.9928% | 2,894 |
| Noninterest income to average assets | 0.7650% | 2,206 |
| Noninterest expense to average assets | 2.5633% | 5,500 |
| Loan and lease loss provision to assets | 0.9692% | 1,294 |
| Net operating income to assets | 0.9552% | 2,343 |
| Return on assets (ROA) | 0.9569% | 2,401 |
| Pretax return on assets | 0.9569% | 3,245 |
| Return on Equity (ROE) | 9.6518% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.6518% | 1,220 |
| Net charge-offs to loans | 0.2503% | 3,444 |
| Credit loss provision to net charge-offs | 569.1925% | 761 |
| Earnings coverage of net charge-offs (x) | 11.3019% | 1,658 |
| Efficiency ratio | 56.0164% | 6,758 |
| Assets per employee ($millions) | 4.1507% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2896% | 1,593 |
| Loan loss allowance to noncurrent loans | 117.2333% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 1.4144% | 4,387 |
| Noncurrent loans to loans | 1.9531% | 3,854 |
| Net loans and leases to total assets | 65.7694% | 3,914 |
| Net loans and leases to deposits | 80.8911% | 3,476 |
| Net loans and leases to core deposits | 89.5923% | 3,419 |
| Total domestic deposits to total assets | 81.3061% | 5,341 |
| Equity capital to assets | 10.0309% | 3,826 |
| Core capital (leverage) ratio | 8.3416% | 5,660 |
| Tier 1 risk-based capital ratio | 11.4425% | 5,725 |
| Total risk-based capital ratio | 12.7037% | 5,697 |
| Memoranda: | ||
| Average total assets | $1,891,131,000 | 382 |
| Average earning assets | $1,763,185,500 | 361 |
| Average equity | $187,489,000 | 371 |
| Average total loans | $1,286,648,500 | 371 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3582% | 4,904 |
| Cost of funding earning assets | 1.4675% | 5,649 |
| Net interest margin | 3.8907% | 3,306 |
| Noninterest income to average assets | 0.8362% | 2,247 |
| Noninterest expense to average assets | 2.6131% | 5,751 |
| Loan and lease loss provision to assets | 0.6827% | 3,096 |
| Net operating income to assets | 1.1595% | 1,358 |
| Return on assets (ROA) | 1.1996% | 1,296 |
| Pretax return on assets | 1.1996% | 1,956 |
| Return on Equity (ROE) | 12.2150% | 1,106 |
| Retained earnings to average equity (ytd only) | 2.9790% | 3,082 |
| Net charge-offs to loans | 0.7652% | 2,909 |
| Credit loss provision to net charge-offs | 126.2135% | 4,132 |
| Earnings coverage of net charge-offs (x) | 3.4056% | 3,359 |
| Efficiency ratio | 57.5296% | 6,828 |
| Assets per employee ($millions) | 4.1712% | 3,490 |
| Cash dividends to net income (ytd only)* | 75.6117% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 2,128 |
| Loan loss allowance to noncurrent loans | 91.1581% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.5055% | 4,120 |
| Noncurrent loans to loans | 2.1439% | 3,466 |
| Net loans and leases to total assets | 67.4186% | 3,829 |
| Net loans and leases to deposits | 81.6497% | 3,672 |
| Net loans and leases to core deposits | 100.1461% | 3,980 |
| Total domestic deposits to total assets | 82.5705% | 4,714 |
| Equity capital to assets | 9.7971% | 4,007 |
| Core capital (leverage) ratio | 8.1135% | 5,969 |
| Tier 1 risk-based capital ratio | 10.9313% | 5,980 |
| Total risk-based capital ratio | 12.1887% | 5,952 |
| Memoranda: | ||
| Average total assets | $1,873,798,800 | 373 |
| Average earning assets | $1,743,015,400 | 366 |
| Average equity | $184,019,200 | 372 |
| Average total loans | $1,324,554,200 | 371 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 4,931 |
| Cost of funding earning assets | 1.5383% | 5,675 |
| Net interest margin | 3.8652% | 3,366 |
| Noninterest income to average assets | 0.8487% | 2,209 |
| Noninterest expense to average assets | 2.6692% | 5,460 |
| Loan and lease loss provision to assets | 0.5853% | 3,044 |
| Net operating income to assets | 1.1896% | 1,492 |
| Return on assets (ROA) | 1.2232% | 1,472 |
| Pretax return on assets | 1.2232% | 2,190 |
| Return on Equity (ROE) | 12.4475% | 1,254 |
| Retained earnings to average equity (ytd only) | 5.9190% | 1,994 |
| Net charge-offs to loans | 0.6794% | 2,658 |
| Credit loss provision to net charge-offs | 121.0410% | 4,194 |
| Earnings coverage of net charge-offs (x) | 3.6703% | 3,431 |
| Efficiency ratio | 58.9337% | 6,572 |
| Assets per employee ($millions) | 3.9736% | 3,782 |
| Cash dividends to net income (ytd only)* | 52.4484% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 2,156 |
| Loan loss allowance to noncurrent loans | 84.9613% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.5572% | 4,029 |
| Noncurrent loans to loans | 2.1764% | 3,410 |
| Net loans and leases to total assets | 68.8230% | 3,765 |
| Net loans and leases to deposits | 83.6412% | 3,705 |
| Net loans and leases to core deposits | 103.1964% | 4,040 |
| Total domestic deposits to total assets | 82.2836% | 4,550 |
| Equity capital to assets | 10.1720% | 3,879 |
| Core capital (leverage) ratio | 8.2977% | 5,839 |
| Tier 1 risk-based capital ratio | 10.9921% | 5,959 |
| Total risk-based capital ratio | 12.2482% | 5,922 |
| Memoranda: | ||
| Average total assets | $1,869,860,500 | 388 |
| Average earning assets | $1,739,349,250 | 383 |
| Average equity | $183,743,500 | 382 |
| Average total loans | $1,330,867,000 | 385 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4355% | 4,964 |
| Cost of funding earning assets | 1.6178% | 5,677 |
| Net interest margin | 3.8177% | 3,472 |
| Noninterest income to average assets | 0.8443% | 2,196 |
| Noninterest expense to average assets | 2.6813% | 5,448 |
| Loan and lease loss provision to assets | 0.5123% | 2,972 |
| Net operating income to assets | 1.1970% | 1,485 |
| Return on assets (ROA) | 1.2192% | 1,506 |
| Pretax return on assets | 1.2192% | 2,245 |
| Return on Equity (ROE) | 12.5532% | 1,272 |
| Retained earnings to average equity (ytd only) | 9.2562% | 875 |
| Net charge-offs to loans | 0.6222% | 2,477 |
| Credit loss provision to net charge-offs | 115.1261% | 4,023 |
| Earnings coverage of net charge-offs (x) | 3.8413% | 3,297 |
| Efficiency ratio | 59.9294% | 6,565 |
| Assets per employee ($millions) | 4.0099% | 3,654 |
| Cash dividends to net income (ytd only)* | 26.2641% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 2,187 |
| Loan loss allowance to noncurrent loans | 107.9510% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1981% | 4,543 |
| Noncurrent loans to loans | 1.6199% | 4,066 |
| Net loans and leases to total assets | 69.8088% | 3,748 |
| Net loans and leases to deposits | 86.1968% | 3,517 |
| Net loans and leases to core deposits | 106.1469% | 3,822 |
| Total domestic deposits to total assets | 80.9876% | 5,086 |
| Equity capital to assets | 9.8600% | 4,135 |
| Core capital (leverage) ratio | 8.2619% | 5,866 |
| Tier 1 risk-based capital ratio | 10.8223% | 6,056 |
| Total risk-based capital ratio | 12.0774% | 5,988 |
| Memoranda: | ||
| Average total assets | $1,871,940,330 | 395 |
| Average earning assets | $1,738,904,670 | 392 |
| Average equity | $181,802,330 | 393 |
| Average total loans | $1,338,901,670 | 395 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4586% | 5,125 |
| Cost of funding earning assets | 1.7323% | 5,465 |
| Net interest margin | 3.7263% | 3,776 |
| Noninterest income to average assets | 0.7897% | 2,389 |
| Noninterest expense to average assets | 2.6989% | 5,012 |
| Loan and lease loss provision to assets | 0.6453% | 1,962 |
| Net operating income to assets | 0.9028% | 2,696 |
| Return on assets (ROA) | 0.9167% | 2,768 |
| Pretax return on assets | 0.9167% | 3,653 |
| Return on Equity (ROE) | 9.5118% | 2,526 |
| Retained earnings to average equity (ytd only) | 9.5118% | 1,335 |
| Net charge-offs to loans | 0.8586% | 1,522 |
| Credit loss provision to net charge-offs | 104.7271% | 3,612 |
| Earnings coverage of net charge-offs (x) | 2.5123% | 3,491 |
| Efficiency ratio | 62.3682% | 5,984 |
| Assets per employee ($millions) | 3.9796% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7222% | 2,067 |
| Loan loss allowance to noncurrent loans | 149.3633% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 5,100 |
| Noncurrent loans to loans | 1.1530% | 4,683 |
| Net loans and leases to total assets | 69.4862% | 3,798 |
| Net loans and leases to deposits | 85.7050% | 3,684 |
| Net loans and leases to core deposits | 106.5327% | 3,849 |
| Total domestic deposits to total assets | 81.0760% | 4,936 |
| Equity capital to assets | 9.7014% | 4,381 |
| Core capital (leverage) ratio | 8.1640% | 6,167 |
| Tier 1 risk-based capital ratio | 10.4701% | 6,427 |
| Total risk-based capital ratio | 11.7247% | 6,336 |
| Memoranda: | ||
| Average total assets | $1,867,590,000 | 398 |
| Average earning assets | $1,732,755,000 | 392 |
| Average equity | $179,987,500 | 395 |
| Average total loans | $1,340,243,500 | 397 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2312% | 4,347 |
| Cost of funding earning assets | 2.2678% | 5,299 |
| Net interest margin | 3.9634% | 3,294 |
| Noninterest income to average assets | 0.7817% | 2,611 |
| Noninterest expense to average assets | 2.6230% | 5,562 |
| Loan and lease loss provision to assets | 0.3123% | 3,875 |
| Net operating income to assets | 1.4824% | 1,060 |
| Return on assets (ROA) | 0.9300% | 2,730 |
| Pretax return on assets | 0.9300% | 3,620 |
| Return on Equity (ROE) | 9.5926% | 2,403 |
| Retained earnings to average equity (ytd only) | 1.5874% | 4,266 |
| Net charge-offs to loans | 0.1521% | 4,681 |
| Credit loss provision to net charge-offs | 283.5264% | 1,607 |
| Earnings coverage of net charge-offs (x) | 16.2957% | 1,857 |
| Efficiency ratio | 58.1980% | 6,661 |
| Assets per employee ($millions) | 3.8846% | 3,773 |
| Cash dividends to net income (ytd only)* | 83.4516% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6811% | 1,961 |
| Loan loss allowance to noncurrent loans | 123.5182% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 4,297 |
| Noncurrent loans to loans | 1.3610% | 3,796 |
| Net loans and leases to total assets | 71.6105% | 3,671 |
| Net loans and leases to deposits | 88.0910% | 3,793 |
| Net loans and leases to core deposits | 109.2115% | 3,840 |
| Total domestic deposits to total assets | 81.2915% | 4,519 |
| Equity capital to assets | 9.5727% | 4,583 |
| Core capital (leverage) ratio | 8.0663% | 6,381 |
| Tier 1 risk-based capital ratio | 9.9649% | 6,774 |
| Total risk-based capital ratio | 11.2189% | 6,655 |
| Memoranda: | ||
| Average total assets | $1,802,383,400 | 397 |
| Average earning assets | $1,653,463,800 | 389 |
| Average equity | $174,749,400 | 412 |
| Average total loans | $1,305,134,000 | 399 |