Home > Bank of Stockton > Performance and Condition Ratios
Bank of Stockton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 4,180 |
| Cost of funding earning assets | 0.8018% | 3,726 |
| Net interest margin | 3.0007% | 3,278 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 1.8229% | 3,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1825% | 1,691 |
| Return on assets (ROA) | 0.9119% | 2,477 |
| Pretax return on assets | 1.1846% | 2,182 |
| Return on Equity (ROE) | 6.5200% | 3,413 |
| Retained earnings to average equity (ytd only) | 4.7304% | 2,702 |
| Net charge-offs to loans | 0.1982% | 538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 15.7739% | 2,034 |
| Efficiency ratio | 54.4152% | 3,645 |
| Assets per employee ($millions) | 10.5899% | 603 |
| Cash dividends to net income (ytd only)* | 27.4275% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4722% | 83 |
| Loan loss allowance to noncurrent loans | 1,293.2751% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 2,652 |
| Noncurrent loans to loans | 0.2685% | 2,226 |
| Net loans and leases to total assets | 47.2900% | 3,766 |
| Net loans and leases to deposits | 58.1277% | 3,629 |
| Net loans and leases to core deposits | 61.6838% | 3,693 |
| Total domestic deposits to total assets | 81.3600% | 3,243 |
| Equity capital to assets | 14.6087% | 590 |
| Core capital (leverage) ratio | 15.4311% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8426% | 957 |
| Memoranda: | ||
| Average total assets | $4,477,784,400 | 295 |
| Average earning assets | $4,183,711,400 | 289 |
| Average equity | $626,482,400 | 226 |
| Average total loans | $2,187,151,400 | 378 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,198 |
| Cost of funding earning assets | 0.6894% | 3,785 |
| Net interest margin | 3.0224% | 3,302 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 1.7076% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3927% | 1,338 |
| Return on assets (ROA) | 0.0037% | 4,392 |
| Pretax return on assets | -0.1043% | 4,446 |
| Return on Equity (ROE) | 0.0300% | 4,378 |
| Retained earnings to average equity (ytd only) | -1.3107% | 4,275 |
| Net charge-offs to loans | 0.2268% | 390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 14.9391% | 1,979 |
| Efficiency ratio | 50.7979% | 3,852 |
| Assets per employee ($millions) | 10.3810% | 598 |
| Cash dividends to net income (ytd only)* | 4,960.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5368% | 76 |
| Loan loss allowance to noncurrent loans | 930.5256% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 2,340 |
| Noncurrent loans to loans | 0.3801% | 1,876 |
| Net loans and leases to total assets | 47.6100% | 3,758 |
| Net loans and leases to deposits | 57.8196% | 3,616 |
| Net loans and leases to core deposits | 61.0241% | 3,656 |
| Total domestic deposits to total assets | 82.3300% | 3,156 |
| Equity capital to assets | 13.6735% | 696 |
| Core capital (leverage) ratio | 14.7318% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4704% | 1,024 |
| Memoranda: | ||
| Average total assets | $4,466,760,250 | 298 |
| Average earning assets | $4,175,477,750 | 290 |
| Average equity | $617,956,000 | 229 |
| Average total loans | $2,180,084,250 | 378 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 4,238 |
| Cost of funding earning assets | 0.5456% | 3,894 |
| Net interest margin | 3.0640% | 3,290 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 1.8099% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3977% | 1,340 |
| Return on assets (ROA) | 0.3282% | 4,142 |
| Pretax return on assets | 0.3713% | 4,156 |
| Return on Equity (ROE) | 2.3600% | 4,228 |
| Retained earnings to average equity (ytd only) | 0.3682% | 4,011 |
| Net charge-offs to loans | 0.1340% | 557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 24.3457% | 1,653 |
| Efficiency ratio | 53.2880% | 3,667 |
| Assets per employee ($millions) | 10.3442% | 601 |
| Cash dividends to net income (ytd only)* | 84.4227% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6289% | 83 |
| Loan loss allowance to noncurrent loans | 1,020.9954% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 2,307 |
| Noncurrent loans to loans | 0.3554% | 1,861 |
| Net loans and leases to total assets | 48.0900% | 3,681 |
| Net loans and leases to deposits | 58.7481% | 3,497 |
| Net loans and leases to core deposits | 61.7292% | 3,547 |
| Total domestic deposits to total assets | 81.8600% | 3,261 |
| Equity capital to assets | 13.9925% | 647 |
| Core capital (leverage) ratio | 14.9823% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2412% | 1,076 |
| Memoranda: | ||
| Average total assets | $4,474,656,000 | 288 |
| Average earning assets | $4,181,685,333 | 283 |
| Average equity | $621,434,000 | 225 |
| Average total loans | $2,175,886,333 | 364 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5212% | 4,240 |
| Cost of funding earning assets | 0.3270% | 4,131 |
| Net interest margin | 3.1943% | 3,128 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 1.7245% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3651% | 1,501 |
| Return on assets (ROA) | 0.8579% | 2,943 |
| Pretax return on assets | 1.1268% | 2,639 |
| Return on Equity (ROE) | 6.2000% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.2002% | 2,715 |
| Net charge-offs to loans | 0.0811% | 663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 45.4146% | 1,136 |
| Efficiency ratio | 49.3663% | 3,991 |
| Assets per employee ($millions) | 10.4749% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7456% | 77 |
| Loan loss allowance to noncurrent loans | 569.2752% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 1,568 |
| Noncurrent loans to loans | 0.6580% | 1,145 |
| Net loans and leases to total assets | 46.8700% | 3,718 |
| Net loans and leases to deposits | 56.8037% | 3,526 |
| Net loans and leases to core deposits | 58.7498% | 3,596 |
| Total domestic deposits to total assets | 82.5200% | 3,400 |
| Equity capital to assets | 14.2162% | 569 |
| Core capital (leverage) ratio | 14.9510% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2670% | 1,120 |
| Memoranda: | ||
| Average total assets | $4,508,664,500 | 298 |
| Average earning assets | $4,213,414,500 | 287 |
| Average equity | $623,852,500 | 230 |
| Average total loans | $2,164,321,000 | 377 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0936% | 3,998 |
| Cost of funding earning assets | 0.0595% | 4,549 |
| Net interest margin | 3.0341% | 3,344 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.6791% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2888% | 1,472 |
| Return on assets (ROA) | 0.4410% | 4,148 |
| Pretax return on assets | 0.5479% | 4,102 |
| Return on Equity (ROE) | 3.3000% | 4,262 |
| Retained earnings to average equity (ytd only) | 1.6823% | 4,050 |
| Net charge-offs to loans | 0.0170% | 1,775 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 222.1124% | 605 |
| Efficiency ratio | 51.0877% | 4,059 |
| Assets per employee ($millions) | 11.0251% | 504 |
| Cash dividends to net income (ytd only)* | 49.0386% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2825% | 97 |
| Loan loss allowance to noncurrent loans | 240.4069% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6463% | 771 |
| Noncurrent loans to loans | 1.3654% | 502 |
| Net loans and leases to total assets | 45.7800% | 3,815 |
| Net loans and leases to deposits | 54.3479% | 3,662 |
| Net loans and leases to core deposits | 55.3226% | 3,750 |
| Total domestic deposits to total assets | 84.2300% | 3,157 |
| Equity capital to assets | 13.4701% | 635 |
| Core capital (leverage) ratio | 14.4288% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1192% | 1,107 |
| Memoranda: | ||
| Average total assets | $4,669,856,400 | 283 |
| Average earning assets | $4,366,470,800 | 277 |
| Average equity | $623,891,000 | 231 |
| Average total loans | $1,991,996,800 | 378 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9680% | 3,944 |
| Cost of funding earning assets | 0.0467% | 4,591 |
| Net interest margin | 2.9213% | 3,430 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.5547% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4396% | 979 |
| Return on assets (ROA) | -0.8095% | 4,689 |
| Pretax return on assets | -1.2238% | 4,697 |
| Return on Equity (ROE) | -6.0700% | 4,671 |
| Retained earnings to average equity (ytd only) | -7.3716% | 4,647 |
| Net charge-offs to loans | 0.0160% | 1,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 245.0773% | 544 |
| Efficiency ratio | 48.9231% | 4,222 |
| Assets per employee ($millions) | 11.0080% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5007% | 87 |
| Loan loss allowance to noncurrent loans | 784.5646% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 2,281 |
| Noncurrent loans to loans | 0.4462% | 1,692 |
| Net loans and leases to total assets | 42.8600% | 3,947 |
| Net loans and leases to deposits | 50.0695% | 3,849 |
| Net loans and leases to core deposits | 51.1667% | 3,895 |
| Total domestic deposits to total assets | 85.5900% | 3,152 |
| Equity capital to assets | 12.1849% | 847 |
| Core capital (leverage) ratio | 13.4048% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2572% | 1,353 |
| Memoranda: | ||
| Average total assets | $4,690,709,250 | 285 |
| Average earning assets | $4,386,629,000 | 277 |
| Average equity | $625,413,500 | 232 |
| Average total loans | $1,947,270,750 | 381 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8451% | 3,906 |
| Cost of funding earning assets | 0.0420% | 4,640 |
| Net interest margin | 2.8031% | 3,439 |
| Noninterest income to average assets | 0.4375% | 2,525 |
| Noninterest expense to average assets | 1.5361% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5685% | 588 |
| Return on assets (ROA) | 0.0742% | 4,503 |
| Pretax return on assets | 0.0315% | 4,527 |
| Return on Equity (ROE) | 0.5415% | 4,511 |
| Retained earnings to average equity (ytd only) | -1.3428% | 4,326 |
| Net charge-offs to loans | 0.0226% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 166.0876% | 598 |
| Efficiency ratio | 50.1673% | 4,235 |
| Assets per employee ($millions) | 11.5389% | 431 |
| Cash dividends to net income (ytd only)* | 347.9749% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5963% | 91 |
| Loan loss allowance to noncurrent loans | 804.6443% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 2,385 |
| Noncurrent loans to loans | 0.4469% | 1,781 |
| Net loans and leases to total assets | 41.2503% | 4,023 |
| Net loans and leases to deposits | 48.9799% | 3,864 |
| Net loans and leases to core deposits | 50.0971% | 3,929 |
| Total domestic deposits to total assets | 84.2189% | 3,643 |
| Equity capital to assets | 13.0217% | 663 |
| Core capital (leverage) ratio | 14.0085% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4439% | 1,315 |
| Memoranda: | ||
| Average total assets | $4,724,169,667 | 280 |
| Average earning assets | $4,423,070,333 | 276 |
| Average equity | $647,443,000 | 222 |
| Average total loans | $1,916,844,333 | 378 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7206% | 3,900 |
| Cost of funding earning assets | 0.0372% | 4,679 |
| Net interest margin | 2.6834% | 3,441 |
| Noninterest income to average assets | 0.4730% | 2,285 |
| Noninterest expense to average assets | 1.4875% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0238% | 1,787 |
| Return on assets (ROA) | 1.8226% | 317 |
| Pretax return on assets | 2.5142% | 180 |
| Return on Equity (ROE) | 12.9842% | 1,039 |
| Retained earnings to average equity (ytd only) | 12.9842% | 470 |
| Net charge-offs to loans | 0.1173% | 462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 32.4475% | 1,096 |
| Efficiency ratio | 49.7418% | 4,324 |
| Assets per employee ($millions) | 11.8288% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7280% | 87 |
| Loan loss allowance to noncurrent loans | 2,093.8697% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,354 |
| Noncurrent loans to loans | 0.1780% | 2,928 |
| Net loans and leases to total assets | 38.5824% | 4,090 |
| Net loans and leases to deposits | 46.8131% | 3,936 |
| Net loans and leases to core deposits | 47.7980% | 3,993 |
| Total domestic deposits to total assets | 82.4179% | 4,025 |
| Equity capital to assets | 13.8373% | 551 |
| Core capital (leverage) ratio | 14.6581% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8912% | 1,291 |
| Memoranda: | ||
| Average total assets | $4,766,927,000 | 279 |
| Average earning assets | $4,472,110,000 | 275 |
| Average equity | $669,149,500 | 221 |
| Average total loans | $1,882,846,500 | 382 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0619% | 3,758 |
| Cost of funding earning assets | 0.0508% | 4,684 |
| Net interest margin | 3.0112% | 3,168 |
| Noninterest income to average assets | 0.5740% | 2,261 |
| Noninterest expense to average assets | 1.5765% | 4,449 |
| Loan and lease loss provision to assets | 0.1351% | 902 |
| Net operating income to assets | 1.1090% | 2,257 |
| Return on assets (ROA) | 2.2594% | 229 |
| Pretax return on assets | 3.1090% | 131 |
| Return on Equity (ROE) | 15.3961% | 863 |
| Retained earnings to average equity (ytd only) | 12.3270% | 495 |
| Net charge-offs to loans | -0.0872% | 4,541 |
| Credit loss provision to net charge-offs | -370.3704% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8569% | 4,460 |
| Assets per employee ($millions) | 11.9169% | 406 |
| Cash dividends to net income (ytd only)* | 19.9342% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8493% | 72 |
| Loan loss allowance to noncurrent loans | 1,735.2642% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 3,340 |
| Noncurrent loans to loans | 0.2218% | 2,857 |
| Net loans and leases to total assets | 37.4244% | 4,227 |
| Net loans and leases to deposits | 45.5371% | 4,119 |
| Net loans and leases to core deposits | 46.5389% | 4,160 |
| Total domestic deposits to total assets | 82.1845% | 3,934 |
| Equity capital to assets | 14.2364% | 624 |
| Core capital (leverage) ratio | 14.3369% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7149% | 1,335 |
| Memoranda: | ||
| Average total assets | $4,440,621,800 | 285 |
| Average earning assets | $4,115,367,600 | 281 |
| Average equity | $651,658,800 | 231 |
| Average total loans | $1,857,047,000 | 385 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0830% | 3,849 |
| Cost of funding earning assets | 0.0554% | 4,755 |
| Net interest margin | 3.0276% | 3,240 |
| Noninterest income to average assets | 0.6073% | 2,186 |
| Noninterest expense to average assets | 1.5926% | 4,473 |
| Loan and lease loss provision to assets | 0.0918% | 1,302 |
| Net operating income to assets | 1.2420% | 2,016 |
| Return on assets (ROA) | 1.5044% | 1,312 |
| Pretax return on assets | 2.0520% | 733 |
| Return on Equity (ROE) | 10.1681% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.0994% | 2,025 |
| Net charge-offs to loans | -0.0984% | 4,606 |
| Credit loss provision to net charge-offs | -218.9781% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7817% | 4,456 |
| Assets per employee ($millions) | 11.5484% | 425 |
| Cash dividends to net income (ytd only)* | 20.3455% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7573% | 80 |
| Loan loss allowance to noncurrent loans | 1,987.4091% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 3,605 |
| Noncurrent loans to loans | 0.1891% | 3,192 |
| Net loans and leases to total assets | 38.1855% | 4,290 |
| Net loans and leases to deposits | 46.3388% | 4,217 |
| Net loans and leases to core deposits | 47.4828% | 4,262 |
| Total domestic deposits to total assets | 82.4050% | 3,844 |
| Equity capital to assets | 14.3048% | 669 |
| Core capital (leverage) ratio | 14.1388% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9818% | 1,353 |
| Memoranda: | ||
| Average total assets | $4,356,110,000 | 288 |
| Average earning assets | $4,024,250,000 | 284 |
| Average equity | $644,496,000 | 232 |
| Average total loans | $1,856,312,500 | 388 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 3,887 |
| Cost of funding earning assets | 0.0603% | 4,785 |
| Net interest margin | 3.0314% | 3,241 |
| Noninterest income to average assets | 0.6603% | 1,966 |
| Noninterest expense to average assets | 1.5669% | 4,553 |
| Loan and lease loss provision to assets | 0.1402% | 868 |
| Net operating income to assets | 1.2126% | 2,142 |
| Return on assets (ROA) | 1.8448% | 681 |
| Pretax return on assets | 2.5387% | 338 |
| Return on Equity (ROE) | 12.3231% | 1,940 |
| Retained earnings to average equity (ytd only) | 9.2016% | 1,646 |
| Net charge-offs to loans | -0.0370% | 4,240 |
| Credit loss provision to net charge-offs | -867.0520% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4761% | 4,540 |
| Assets per employee ($millions) | 10.8103% | 486 |
| Cash dividends to net income (ytd only)* | 25.3306% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6594% | 84 |
| Loan loss allowance to noncurrent loans | 1,548.3671% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 3,547 |
| Noncurrent loans to loans | 0.2363% | 3,102 |
| Net loans and leases to total assets | 40.8861% | 4,246 |
| Net loans and leases to deposits | 50.1541% | 4,100 |
| Net loans and leases to core deposits | 51.5080% | 4,156 |
| Total domestic deposits to total assets | 81.5210% | 4,005 |
| Equity capital to assets | 14.9201% | 540 |
| Core capital (leverage) ratio | 14.4676% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0226% | 1,334 |
| Memoranda: | ||
| Average total assets | $4,279,911,000 | 290 |
| Average earning assets | $3,932,245,333 | 287 |
| Average equity | $640,717,333 | 232 |
| Average total loans | $1,868,736,667 | 386 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1730% | 3,734 |
| Cost of funding earning assets | 0.0650% | 4,809 |
| Net interest margin | 3.1080% | 2,959 |
| Noninterest income to average assets | 0.5056% | 2,583 |
| Noninterest expense to average assets | 1.6711% | 4,435 |
| Loan and lease loss provision to assets | 0.1411% | 946 |
| Net operating income to assets | 0.8873% | 3,160 |
| Return on assets (ROA) | 3.1917% | 143 |
| Pretax return on assets | 4.4538% | 87 |
| Return on Equity (ROE) | 21.2838% | 448 |
| Retained earnings to average equity (ytd only) | 21.2838% | 231 |
| Net charge-offs to loans | -0.0217% | 4,031 |
| Credit loss provision to net charge-offs | -1,470.5882% | 3,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8975% | 4,189 |
| Assets per employee ($millions) | 10.6173% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4488% | 104 |
| Loan loss allowance to noncurrent loans | 1,734.4353% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 3,639 |
| Noncurrent loans to loans | 0.1988% | 3,396 |
| Net loans and leases to total assets | 43.7765% | 4,128 |
| Net loans and leases to deposits | 54.3448% | 3,914 |
| Net loans and leases to core deposits | 55.8947% | 3,980 |
| Total domestic deposits to total assets | 80.5532% | 4,133 |
| Equity capital to assets | 15.5293% | 437 |
| Core capital (leverage) ratio | 15.4534% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4977% | 1,165 |
| Memoranda: | ||
| Average total assets | $4,252,395,500 | 291 |
| Average earning assets | $3,890,349,000 | 288 |
| Average equity | $637,687,000 | 227 |
| Average total loans | $1,883,249,500 | 379 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7560% | 3,427 |
| Cost of funding earning assets | 0.1522% | 4,721 |
| Net interest margin | 3.6038% | 2,132 |
| Noninterest income to average assets | 0.5631% | 2,360 |
| Noninterest expense to average assets | 1.7507% | 4,545 |
| Loan and lease loss provision to assets | 0.1877% | 2,074 |
| Net operating income to assets | 1.5588% | 695 |
| Return on assets (ROA) | 0.8174% | 3,147 |
| Pretax return on assets | 1.0211% | 2,974 |
| Return on Equity (ROE) | 5.1475% | 3,864 |
| Retained earnings to average equity (ytd only) | 3.4585% | 3,102 |
| Net charge-offs to loans | 0.0264% | 2,509 |
| Credit loss provision to net charge-offs | 1,372.5490% | 609 |
| Earnings coverage of net charge-offs (x) | 156.1216% | 551 |
| Efficiency ratio | 44.8739% | 4,762 |
| Assets per employee ($millions) | 10.8588% | 410 |
| Cash dividends to net income (ytd only)* | 32.8106% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4304% | 100 |
| Loan loss allowance to noncurrent loans | 1,881.1232% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 3,833 |
| Noncurrent loans to loans | 0.1824% | 3,563 |
| Net loans and leases to total assets | 41.7780% | 4,367 |
| Net loans and leases to deposits | 50.9866% | 4,267 |
| Net loans and leases to core deposits | 52.4313% | 4,319 |
| Total domestic deposits to total assets | 81.9390% | 3,678 |
| Equity capital to assets | 14.4771% | 684 |
| Core capital (leverage) ratio | 15.0270% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6137% | 1,122 |
| Memoranda: | ||
| Average total assets | $3,728,433,600 | 301 |
| Average earning assets | $3,438,013,600 | 296 |
| Average equity | $592,098,200 | 231 |
| Average total loans | $1,930,592,400 | 362 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 3,303 |
| Cost of funding earning assets | 0.1722% | 4,751 |
| Net interest margin | 3.7129% | 1,900 |
| Noninterest income to average assets | 0.5818% | 2,245 |
| Noninterest expense to average assets | 1.7560% | 4,558 |
| Loan and lease loss provision to assets | 0.1488% | 2,536 |
| Net operating income to assets | 1.7055% | 569 |
| Return on assets (ROA) | 0.0208% | 4,777 |
| Pretax return on assets | -0.0268% | 4,796 |
| Return on Equity (ROE) | 0.1274% | 4,781 |
| Retained earnings to average equity (ytd only) | -1.0140% | 4,616 |
| Net charge-offs to loans | 0.0166% | 2,538 |
| Credit loss provision to net charge-offs | 1,652.8926% | 576 |
| Earnings coverage of net charge-offs (x) | 250.3512% | 409 |
| Efficiency ratio | 43.5499% | 4,810 |
| Assets per employee ($millions) | 9.5776% | 583 |
| Cash dividends to net income (ytd only)* | 896.0573% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0478% | 129 |
| Loan loss allowance to noncurrent loans | 2,626.2436% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 4,102 |
| Noncurrent loans to loans | 0.1161% | 3,911 |
| Net loans and leases to total assets | 50.6008% | 4,065 |
| Net loans and leases to deposits | 62.7925% | 3,882 |
| Net loans and leases to core deposits | 64.9039% | 3,958 |
| Total domestic deposits to total assets | 80.5842% | 3,755 |
| Equity capital to assets | 15.6056% | 525 |
| Core capital (leverage) ratio | 15.1377% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9877% | 1,250 |
| Memoranda: | ||
| Average total assets | $3,582,801,500 | 305 |
| Average earning assets | $3,308,689,500 | 298 |
| Average equity | $584,097,250 | 230 |
| Average total loans | $1,946,988,250 | 356 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,251 |
| Cost of funding earning assets | 0.1930% | 4,778 |
| Net interest margin | 3.8365% | 1,724 |
| Noninterest income to average assets | 0.5770% | 2,222 |
| Noninterest expense to average assets | 1.7293% | 4,656 |
| Loan and lease loss provision to assets | 0.1431% | 2,584 |
| Net operating income to assets | 1.9879% | 344 |
| Return on assets (ROA) | -0.9772% | 4,957 |
| Pretax return on assets | -1.5147% | 4,990 |
| Return on Equity (ROE) | -5.9013% | 4,939 |
| Retained earnings to average equity (ytd only) | -7.6299% | 4,866 |
| Net charge-offs to loans | 0.0153% | 2,441 |
| Credit loss provision to net charge-offs | 1,700.6803% | 555 |
| Earnings coverage of net charge-offs (x) | 283.0204% | 334 |
| Efficiency ratio | 41.8301% | 4,867 |
| Assets per employee ($millions) | 9.6188% | 565 |
| Cash dividends to net income (ytd only)* | -29.2912% | 5,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9440% | 141 |
| Loan loss allowance to noncurrent loans | 2,152.4820% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 4,122 |
| Noncurrent loans to loans | 0.1368% | 3,911 |
| Net loans and leases to total assets | 52.1870% | 4,016 |
| Net loans and leases to deposits | 64.8113% | 3,819 |
| Net loans and leases to core deposits | 67.2808% | 3,906 |
| Total domestic deposits to total assets | 80.5213% | 3,722 |
| Equity capital to assets | 15.4394% | 549 |
| Core capital (leverage) ratio | 15.3802% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2398% | 1,430 |
| Memoranda: | ||
| Average total assets | $3,493,675,333 | 308 |
| Average earning assets | $3,218,187,667 | 302 |
| Average equity | $578,515,000 | 233 |
| Average total loans | $1,926,162,333 | 356 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 3,206 |
| Cost of funding earning assets | 0.2076% | 4,873 |
| Net interest margin | 3.9931% | 1,409 |
| Noninterest income to average assets | 0.5917% | 2,071 |
| Noninterest expense to average assets | 1.8722% | 4,574 |
| Loan and lease loss provision to assets | 0.1194% | 2,199 |
| Net operating income to assets | 2.6556% | 93 |
| Return on assets (ROA) | -6.2282% | 5,097 |
| Pretax return on assets | -8.9697% | 5,100 |
| Return on Equity (ROE) | -36.2307% | 5,092 |
| Retained earnings to average equity (ytd only) | -36.2307% | 5,062 |
| Net charge-offs to loans | 0.0124% | 2,139 |
| Credit loss provision to net charge-offs | 1,724.1379% | 378 |
| Earnings coverage of net charge-offs (x) | 345.8793% | 204 |
| Efficiency ratio | 43.6393% | 4,889 |
| Assets per employee ($millions) | 8.4855% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1743% | 127 |
| Loan loss allowance to noncurrent loans | 3,461.3744% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,300 |
| Noncurrent loans to loans | 0.0917% | 4,144 |
| Net loans and leases to total assets | 53.3074% | 4,038 |
| Net loans and leases to deposits | 66.9795% | 3,798 |
| Net loans and leases to core deposits | 69.9927% | 3,880 |
| Total domestic deposits to total assets | 79.5876% | 3,931 |
| Equity capital to assets | 16.5069% | 506 |
| Core capital (leverage) ratio | 15.5967% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5665% | 1,733 |
| Memoranda: | ||
| Average total assets | $3,350,418,000 | 308 |
| Average earning assets | $3,084,057,500 | 302 |
| Average equity | $575,953,500 | 235 |
| Average total loans | $1,872,941,000 | 355 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 3,480 |
| Cost of funding earning assets | 0.2051% | 4,955 |
| Net interest margin | 4.1164% | 1,493 |
| Noninterest income to average assets | 0.5957% | 2,244 |
| Noninterest expense to average assets | 2.1287% | 4,312 |
| Loan and lease loss provision to assets | 0.1081% | 1,921 |
| Net operating income to assets | 1.3409% | 1,540 |
| Return on assets (ROA) | 3.8883% | 59 |
| Pretax return on assets | 5.3867% | 47 |
| Return on Equity (ROE) | 23.0680% | 109 |
| Retained earnings to average equity (ytd only) | 21.4645% | 25 |
| Net charge-offs to loans | 0.1107% | 1,620 |
| Credit loss provision to net charge-offs | 166.6667% | 1,551 |
| Earnings coverage of net charge-offs (x) | 34.9986% | 1,427 |
| Efficiency ratio | 48.1543% | 4,827 |
| Assets per employee ($millions) | 8.6535% | 559 |
| Cash dividends to net income (ytd only)* | 6.9511% | 3,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0173% | 126 |
| Loan loss allowance to noncurrent loans | 1,333.1633% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 3,953 |
| Noncurrent loans to loans | 0.2263% | 3,639 |
| Net loans and leases to total assets | 55.0327% | 3,998 |
| Net loans and leases to deposits | 71.0996% | 3,584 |
| Net loans and leases to core deposits | 74.2487% | 3,700 |
| Total domestic deposits to total assets | 77.4022% | 4,446 |
| Equity capital to assets | 17.8712% | 379 |
| Core capital (leverage) ratio | 17.4022% | 379 |
| Tier 1 risk-based capital ratio | 14.4318% | 3,059 |
| Total risk-based capital ratio | 15.6845% | 2,954 |
| Memoranda: | ||
| Average total assets | $3,237,387,400 | 304 |
| Average earning assets | $2,991,167,400 | 298 |
| Average equity | $545,691,200 | 233 |
| Average total loans | $1,896,343,600 | 338 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 3,566 |
| Cost of funding earning assets | 0.1996% | 5,039 |
| Net interest margin | 4.1320% | 1,546 |
| Noninterest income to average assets | 0.5980% | 2,212 |
| Noninterest expense to average assets | 2.0544% | 4,446 |
| Loan and lease loss provision to assets | 0.1455% | 1,316 |
| Net operating income to assets | 1.3285% | 1,737 |
| Return on assets (ROA) | 4.3023% | 48 |
| Pretax return on assets | 5.9809% | 40 |
| Return on Equity (ROE) | 25.9325% | 74 |
| Retained earnings to average equity (ytd only) | 24.6797% | 26 |
| Net charge-offs to loans | 0.1149% | 1,329 |
| Credit loss provision to net charge-offs | 214.3295% | 1,242 |
| Earnings coverage of net charge-offs (x) | 34.7967% | 1,486 |
| Efficiency ratio | 46.2779% | 4,927 |
| Assets per employee ($millions) | 8.5594% | 564 |
| Cash dividends to net income (ytd only)* | 4.8312% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0455% | 127 |
| Loan loss allowance to noncurrent loans | 1,361.9976% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 4,050 |
| Noncurrent loans to loans | 0.2236% | 3,746 |
| Net loans and leases to total assets | 55.6965% | 4,064 |
| Net loans and leases to deposits | 71.9638% | 3,615 |
| Net loans and leases to core deposits | 75.1015% | 3,756 |
| Total domestic deposits to total assets | 77.3951% | 4,458 |
| Equity capital to assets | 17.5313% | 430 |
| Core capital (leverage) ratio | 17.2332% | 408 |
| Tier 1 risk-based capital ratio | 14.1939% | 3,228 |
| Total risk-based capital ratio | 15.4470% | 3,133 |
| Memoranda: | ||
| Average total assets | $3,207,349,500 | 308 |
| Average earning assets | $2,964,026,000 | 300 |
| Average equity | $532,105,750 | 239 |
| Average total loans | $1,894,122,000 | 341 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 3,628 |
| Cost of funding earning assets | 0.1869% | 5,104 |
| Net interest margin | 4.1148% | 1,570 |
| Noninterest income to average assets | 0.5905% | 2,194 |
| Noninterest expense to average assets | 2.0658% | 4,473 |
| Loan and lease loss provision to assets | 0.1891% | 937 |
| Net operating income to assets | 1.2918% | 1,809 |
| Return on assets (ROA) | 4.0710% | 50 |
| Pretax return on assets | 5.6531% | 39 |
| Return on Equity (ROE) | 25.0327% | 93 |
| Retained earnings to average equity (ytd only) | 23.0944% | 38 |
| Net charge-offs to loans | 0.0992% | 1,379 |
| Credit loss provision to net charge-offs | 319.8294% | 859 |
| Earnings coverage of net charge-offs (x) | 39.3038% | 1,259 |
| Efficiency ratio | 46.8126% | 4,952 |
| Assets per employee ($millions) | 8.2532% | 610 |
| Cash dividends to net income (ytd only)* | 7.7433% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0452% | 125 |
| Loan loss allowance to noncurrent loans | 1,969.1162% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 4,305 |
| Noncurrent loans to loans | 0.1546% | 3,985 |
| Net loans and leases to total assets | 58.1148% | 3,905 |
| Net loans and leases to deposits | 73.9802% | 3,521 |
| Net loans and leases to core deposits | 77.1261% | 3,636 |
| Total domestic deposits to total assets | 78.5546% | 4,306 |
| Equity capital to assets | 17.0019% | 468 |
| Core capital (leverage) ratio | 16.4288% | 494 |
| Tier 1 risk-based capital ratio | 13.5376% | 3,564 |
| Total risk-based capital ratio | 14.7912% | 3,457 |
| Memoranda: | ||
| Average total assets | $3,172,304,670 | 310 |
| Average earning assets | $2,929,308,670 | 303 |
| Average equity | $515,900,330 | 246 |
| Average total loans | $1,891,199,330 | 344 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 3,693 |
| Cost of funding earning assets | 0.1669% | 5,186 |
| Net interest margin | 4.0880% | 1,580 |
| Noninterest income to average assets | 0.5728% | 2,170 |
| Noninterest expense to average assets | 2.0361% | 4,583 |
| Loan and lease loss provision to assets | 0.1895% | 863 |
| Net operating income to assets | 0.9950% | 2,865 |
| Return on assets (ROA) | 6.3838% | 33 |
| Pretax return on assets | 8.9477% | 31 |
| Return on Equity (ROE) | 40.1731% | 26 |
| Retained earnings to average equity (ytd only) | 40.1731% | 12 |
| Net charge-offs to loans | 0.2096% | 667 |
| Credit loss provision to net charge-offs | 152.1298% | 1,222 |
| Earnings coverage of net charge-offs (x) | 18.5892% | 1,621 |
| Efficiency ratio | 46.5407% | 5,006 |
| Assets per employee ($millions) | 8.2533% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0296% | 129 |
| Loan loss allowance to noncurrent loans | 1,329.5748% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 4,129 |
| Noncurrent loans to loans | 0.2279% | 3,763 |
| Net loans and leases to total assets | 57.1621% | 3,972 |
| Net loans and leases to deposits | 72.4915% | 3,568 |
| Net loans and leases to core deposits | 75.3445% | 3,704 |
| Total domestic deposits to total assets | 78.8535% | 4,377 |
| Equity capital to assets | 16.7042% | 479 |
| Core capital (leverage) ratio | 16.2576% | 502 |
| Tier 1 risk-based capital ratio | 13.3749% | 3,681 |
| Total risk-based capital ratio | 14.6281% | 3,585 |
| Memoranda: | ||
| Average total assets | $3,165,595,500 | 312 |
| Average earning assets | $2,926,645,000 | 307 |
| Average equity | $503,033,500 | 251 |
| Average total loans | $1,882,036,500 | 348 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 3,534 |
| Cost of funding earning assets | 0.0997% | 5,284 |
| Net interest margin | 4.0684% | 1,777 |
| Noninterest income to average assets | 0.8121% | 1,410 |
| Noninterest expense to average assets | 2.2536% | 4,219 |
| Loan and lease loss provision to assets | 0.1654% | 1,227 |
| Net operating income to assets | 1.6655% | 742 |
| Return on assets (ROA) | 1.3973% | 1,430 |
| Pretax return on assets | 1.7932% | 942 |
| Return on Equity (ROE) | 9.1548% | 2,915 |
| Retained earnings to average equity (ytd only) | 5.6491% | 2,387 |
| Net charge-offs to loans | 0.1922% | 997 |
| Credit loss provision to net charge-offs | 143.3897% | 1,896 |
| Earnings coverage of net charge-offs (x) | 19.9277% | 2,029 |
| Efficiency ratio | 49.2661% | 4,983 |
| Assets per employee ($millions) | 8.1493% | 631 |
| Cash dividends to net income (ytd only)* | 38.2935% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9584% | 140 |
| Loan loss allowance to noncurrent loans | 1,967.9298% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 4,367 |
| Noncurrent loans to loans | 0.1503% | 4,069 |
| Net loans and leases to total assets | 58.1851% | 3,943 |
| Net loans and leases to deposits | 71.7554% | 3,688 |
| Net loans and leases to core deposits | 74.1953% | 3,836 |
| Total domestic deposits to total assets | 81.0880% | 3,869 |
| Equity capital to assets | 15.0752% | 693 |
| Core capital (leverage) ratio | 14.7552% | 742 |
| Tier 1 risk-based capital ratio | 12.6196% | 4,063 |
| Total risk-based capital ratio | 13.8735% | 3,945 |
| Memoranda: | ||
| Average total assets | $3,023,704,400 | 322 |
| Average earning assets | $2,779,288,000 | 313 |
| Average equity | $461,507,200 | 259 |
| Average total loans | $1,814,396,600 | 350 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 3,553 |
| Cost of funding earning assets | 0.0842% | 5,387 |
| Net interest margin | 4.0416% | 1,817 |
| Noninterest income to average assets | 0.7783% | 1,546 |
| Noninterest expense to average assets | 2.1534% | 4,421 |
| Loan and lease loss provision to assets | 0.1561% | 1,252 |
| Net operating income to assets | 1.6189% | 934 |
| Return on assets (ROA) | 1.5114% | 1,163 |
| Pretax return on assets | 2.0435% | 560 |
| Return on Equity (ROE) | 9.8705% | 2,683 |
| Retained earnings to average equity (ytd only) | 7.5792% | 1,858 |
| Net charge-offs to loans | 0.1338% | 1,207 |
| Credit loss provision to net charge-offs | 194.3365% | 1,415 |
| Earnings coverage of net charge-offs (x) | 29.0744% | 1,644 |
| Efficiency ratio | 47.7186% | 5,062 |
| Assets per employee ($millions) | 7.9095% | 671 |
| Cash dividends to net income (ytd only)* | 23.2138% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0272% | 135 |
| Loan loss allowance to noncurrent loans | 1,006.1148% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 4,018 |
| Noncurrent loans to loans | 0.3009% | 3,601 |
| Net loans and leases to total assets | 59.3491% | 3,915 |
| Net loans and leases to deposits | 74.0118% | 3,591 |
| Net loans and leases to core deposits | 76.8289% | 3,752 |
| Total domestic deposits to total assets | 80.1888% | 4,069 |
| Equity capital to assets | 15.6048% | 600 |
| Core capital (leverage) ratio | 15.2275% | 650 |
| Tier 1 risk-based capital ratio | 12.7315% | 4,064 |
| Total risk-based capital ratio | 13.9858% | 3,959 |
| Memoranda: | ||
| Average total assets | $2,989,150,000 | 322 |
| Average earning assets | $2,744,427,750 | 316 |
| Average equity | $457,717,750 | 258 |
| Average total loans | $1,794,032,750 | 354 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,573 |
| Cost of funding earning assets | 0.0716% | 5,457 |
| Net interest margin | 3.9901% | 1,896 |
| Noninterest income to average assets | 0.8144% | 1,433 |
| Noninterest expense to average assets | 2.1382% | 4,517 |
| Loan and lease loss provision to assets | 0.1345% | 1,464 |
| Net operating income to assets | 1.5206% | 1,108 |
| Return on assets (ROA) | 0.8793% | 3,550 |
| Pretax return on assets | 1.3910% | 2,182 |
| Return on Equity (ROE) | 5.7802% | 4,318 |
| Retained earnings to average equity (ytd only) | 4.5129% | 3,334 |
| Net charge-offs to loans | 0.1135% | 1,245 |
| Credit loss provision to net charge-offs | 198.8072% | 1,315 |
| Earnings coverage of net charge-offs (x) | 34.5368% | 1,395 |
| Efficiency ratio | 47.5229% | 5,139 |
| Assets per employee ($millions) | 7.9082% | 646 |
| Cash dividends to net income (ytd only)* | 21.9247% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0079% | 140 |
| Loan loss allowance to noncurrent loans | 1,385.0199% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 4,325 |
| Noncurrent loans to loans | 0.2172% | 3,940 |
| Net loans and leases to total assets | 60.0996% | 3,797 |
| Net loans and leases to deposits | 75.2929% | 3,412 |
| Net loans and leases to core deposits | 77.9813% | 3,582 |
| Total domestic deposits to total assets | 79.8210% | 4,271 |
| Equity capital to assets | 15.3724% | 614 |
| Core capital (leverage) ratio | 14.9850% | 674 |
| Tier 1 risk-based capital ratio | 12.5220% | 4,171 |
| Total risk-based capital ratio | 13.7764% | 4,066 |
| Memoranda: | ||
| Average total assets | $2,973,113,330 | 321 |
| Average earning assets | $2,727,880,000 | 313 |
| Average equity | $452,304,000 | 256 |
| Average total loans | $1,772,424,000 | 358 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 3,618 |
| Cost of funding earning assets | 0.0698% | 5,516 |
| Net interest margin | 3.9276% | 1,938 |
| Noninterest income to average assets | 0.5835% | 2,344 |
| Noninterest expense to average assets | 2.1562% | 4,524 |
| Loan and lease loss provision to assets | 0.0674% | 2,414 |
| Net operating income to assets | 1.6255% | 812 |
| Return on assets (ROA) | -0.1283% | 5,421 |
| Pretax return on assets | -0.2600% | 5,458 |
| Return on Equity (ROE) | -0.8475% | 5,414 |
| Retained earnings to average equity (ytd only) | -0.8475% | 4,900 |
| Net charge-offs to loans | 0.0295% | 1,908 |
| Credit loss provision to net charge-offs | 390.6250% | 703 |
| Earnings coverage of net charge-offs (x) | 117.5547% | 533 |
| Efficiency ratio | 51.2705% | 5,010 |
| Assets per employee ($millions) | 7.7985% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1668% | 125 |
| Loan loss allowance to noncurrent loans | 1,182.6302% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 4,192 |
| Noncurrent loans to loans | 0.2678% | 3,812 |
| Net loans and leases to total assets | 56.9937% | 4,029 |
| Net loans and leases to deposits | 70.5512% | 3,736 |
| Net loans and leases to core deposits | 73.0851% | 3,878 |
| Total domestic deposits to total assets | 80.7834% | 4,250 |
| Equity capital to assets | 15.1849% | 628 |
| Core capital (leverage) ratio | 14.6649% | 722 |
| Tier 1 risk-based capital ratio | 12.9821% | 3,955 |
| Total risk-based capital ratio | 14.1512% | 3,894 |
| Memoranda: | ||
| Average total assets | $2,968,968,000 | 322 |
| Average earning assets | $2,721,287,000 | 315 |
| Average equity | $449,299,000 | 256 |
| Average total loans | $1,734,947,000 | 367 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 4,018 |
| Cost of funding earning assets | 0.0708% | 5,576 |
| Net interest margin | 3.7384% | 2,639 |
| Noninterest income to average assets | 0.8680% | 1,362 |
| Noninterest expense to average assets | 2.2948% | 4,340 |
| Loan and lease loss provision to assets | 0.2040% | 1,009 |
| Net operating income to assets | 1.5482% | 727 |
| Return on assets (ROA) | 1.6169% | 648 |
| Pretax return on assets | 1.8592% | 667 |
| Return on Equity (ROE) | 11.1539% | 1,417 |
| Retained earnings to average equity (ytd only) | 8.9069% | 524 |
| Net charge-offs to loans | 0.1118% | 1,945 |
| Credit loss provision to net charge-offs | 315.8458% | 907 |
| Earnings coverage of net charge-offs (x) | 30.7184% | 1,521 |
| Efficiency ratio | 53.3550% | 5,003 |
| Assets per employee ($millions) | 8.2600% | 584 |
| Cash dividends to net income (ytd only)* | 20.1454% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1456% | 123 |
| Loan loss allowance to noncurrent loans | 446.8435% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 3,059 |
| Noncurrent loans to loans | 0.7040% | 2,448 |
| Net loans and leases to total assets | 56.1953% | 4,169 |
| Net loans and leases to deposits | 69.5569% | 3,913 |
| Net loans and leases to core deposits | 71.7902% | 4,064 |
| Total domestic deposits to total assets | 80.7904% | 4,171 |
| Equity capital to assets | 15.0821% | 663 |
| Core capital (leverage) ratio | 10.4746% | 2,867 |
| Tier 1 risk-based capital ratio | 9.4467% | 5,604 |
| Total risk-based capital ratio | 13.6426% | 4,182 |
| Memoranda: | ||
| Average total assets | $2,891,710,400 | 314 |
| Average earning assets | $2,638,556,200 | 309 |
| Average equity | $419,180,000 | 259 |
| Average total loans | $1,670,514,200 | 358 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 4,013 |
| Cost of funding earning assets | 0.0703% | 5,640 |
| Net interest margin | 3.7300% | 2,658 |
| Noninterest income to average assets | 0.7530% | 1,770 |
| Noninterest expense to average assets | 2.2288% | 4,469 |
| Loan and lease loss provision to assets | 0.2279% | 803 |
| Net operating income to assets | 1.1219% | 1,986 |
| Return on assets (ROA) | 1.2864% | 1,409 |
| Pretax return on assets | 1.9465% | 613 |
| Return on Equity (ROE) | 8.9689% | 2,620 |
| Retained earnings to average equity (ytd only) | 6.8877% | 1,750 |
| Net charge-offs to loans | 0.0584% | 2,289 |
| Credit loss provision to net charge-offs | 675.8621% | 493 |
| Earnings coverage of net charge-offs (x) | 57.0995% | 1,021 |
| Efficiency ratio | 53.3725% | 4,982 |
| Assets per employee ($millions) | 7.7065% | 702 |
| Cash dividends to net income (ytd only)* | 23.2043% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2113% | 127 |
| Loan loss allowance to noncurrent loans | 1,476.4166% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 4,520 |
| Noncurrent loans to loans | 0.2175% | 4,191 |
| Net loans and leases to total assets | 57.0655% | 4,148 |
| Net loans and leases to deposits | 70.8836% | 3,886 |
| Net loans and leases to core deposits | 73.6104% | 4,009 |
| Total domestic deposits to total assets | 80.5059% | 4,206 |
| Equity capital to assets | 14.7305% | 804 |
| Core capital (leverage) ratio | 10.9548% | 2,502 |
| Tier 1 risk-based capital ratio | 9.7296% | 5,645 |
| Total risk-based capital ratio | 13.6540% | 4,286 |
| Memoranda: | ||
| Average total assets | $2,867,111,000 | 317 |
| Average earning assets | $2,614,112,750 | 314 |
| Average equity | $411,232,000 | 260 |
| Average total loans | $1,654,424,750 | 362 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 4,042 |
| Cost of funding earning assets | 0.0685% | 5,686 |
| Net interest margin | 3.6897% | 2,688 |
| Noninterest income to average assets | 0.8120% | 1,528 |
| Noninterest expense to average assets | 2.2470% | 4,464 |
| Loan and lease loss provision to assets | 0.2378% | 713 |
| Net operating income to assets | 1.1361% | 1,831 |
| Return on assets (ROA) | 1.1408% | 1,872 |
| Pretax return on assets | 1.6991% | 1,061 |
| Return on Equity (ROE) | 8.0264% | 3,016 |
| Retained earnings to average equity (ytd only) | 4.8675% | 2,800 |
| Net charge-offs to loans | 0.0425% | 2,342 |
| Credit loss provision to net charge-offs | 977.0115% | 393 |
| Earnings coverage of net charge-offs (x) | 79.2931% | 773 |
| Efficiency ratio | 53.5122% | 5,055 |
| Assets per employee ($millions) | 7.7338% | 683 |
| Cash dividends to net income (ytd only)* | 39.3562% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1973% | 134 |
| Loan loss allowance to noncurrent loans | 1,376.2969% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 4,558 |
| Noncurrent loans to loans | 0.2323% | 4,195 |
| Net loans and leases to total assets | 56.2479% | 4,203 |
| Net loans and leases to deposits | 69.5436% | 3,943 |
| Net loans and leases to core deposits | 72.4347% | 4,061 |
| Total domestic deposits to total assets | 80.8814% | 4,208 |
| Equity capital to assets | 14.3691% | 863 |
| Core capital (leverage) ratio | 10.8072% | 2,590 |
| Tier 1 risk-based capital ratio | 9.5891% | 5,701 |
| Total risk-based capital ratio | 13.5858% | 4,286 |
| Memoranda: | ||
| Average total assets | $2,859,506,000 | 322 |
| Average earning assets | $2,607,839,330 | 319 |
| Average equity | $406,409,000 | 261 |
| Average total loans | $1,637,944,330 | 368 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 4,079 |
| Cost of funding earning assets | 0.0678% | 5,750 |
| Net interest margin | 3.6445% | 2,715 |
| Noninterest income to average assets | 0.6925% | 2,005 |
| Noninterest expense to average assets | 2.1767% | 4,707 |
| Loan and lease loss provision to assets | 0.2108% | 771 |
| Net operating income to assets | 1.0927% | 1,900 |
| Return on assets (ROA) | 1.1020% | 1,902 |
| Pretax return on assets | 1.6435% | 1,141 |
| Return on Equity (ROE) | 7.7970% | 3,022 |
| Retained earnings to average equity (ytd only) | 3.8205% | 3,545 |
| Net charge-offs to loans | 0.1707% | 961 |
| Credit loss provision to net charge-offs | 217.0767% | 961 |
| Earnings coverage of net charge-offs (x) | 18.9566% | 1,549 |
| Efficiency ratio | 53.8911% | 5,137 |
| Assets per employee ($millions) | 7.6719% | 707 |
| Cash dividends to net income (ytd only)* | 51.0009% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1711% | 148 |
| Loan loss allowance to noncurrent loans | 1,291.1743% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 4,607 |
| Noncurrent loans to loans | 0.2456% | 4,227 |
| Net loans and leases to total assets | 55.2375% | 4,233 |
| Net loans and leases to deposits | 68.3283% | 3,965 |
| Net loans and leases to core deposits | 71.1598% | 4,062 |
| Total domestic deposits to total assets | 80.8413% | 4,446 |
| Equity capital to assets | 14.3670% | 794 |
| Core capital (leverage) ratio | 10.5557% | 2,837 |
| Tier 1 risk-based capital ratio | 9.5865% | 5,764 |
| Total risk-based capital ratio | 13.6423% | 4,362 |
| Memoranda: | ||
| Average total assets | $2,846,906,000 | 327 |
| Average earning assets | $2,596,976,000 | 324 |
| Average equity | $402,360,000 | 263 |
| Average total loans | $1,618,827,000 | 370 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 3,858 |
| Cost of funding earning assets | 0.0705% | 5,803 |
| Net interest margin | 3.7435% | 2,525 |
| Noninterest income to average assets | 0.6313% | 2,499 |
| Noninterest expense to average assets | 2.4293% | 4,212 |
| Loan and lease loss provision to assets | 0.2697% | 748 |
| Net operating income to assets | 0.9164% | 2,742 |
| Return on assets (ROA) | 1.2124% | 1,550 |
| Pretax return on assets | 1.7756% | 850 |
| Return on Equity (ROE) | 8.5943% | 2,619 |
| Retained earnings to average equity (ytd only) | 7.3464% | 1,096 |
| Net charge-offs to loans | 0.1751% | 1,569 |
| Credit loss provision to net charge-offs | 265.0690% | 1,086 |
| Earnings coverage of net charge-offs (x) | 15.8232% | 2,170 |
| Efficiency ratio | 59.8339% | 4,609 |
| Assets per employee ($millions) | 7.6959% | 681 |
| Cash dividends to net income (ytd only)* | 14.5199% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1230% | 151 |
| Loan loss allowance to noncurrent loans | 1,192.0047% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 4,622 |
| Noncurrent loans to loans | 0.2620% | 4,212 |
| Net loans and leases to total assets | 54.9098% | 4,357 |
| Net loans and leases to deposits | 67.1842% | 4,154 |
| Net loans and leases to core deposits | 70.1649% | 4,228 |
| Total domestic deposits to total assets | 81.7302% | 4,146 |
| Equity capital to assets | 13.9008% | 919 |
| Core capital (leverage) ratio | 10.3910% | 3,002 |
| Tier 1 risk-based capital ratio | 9.6238% | 5,806 |
| Total risk-based capital ratio | 13.5527% | 4,389 |
| Memoranda: | ||
| Average total assets | $2,706,680,200 | 323 |
| Average earning assets | $2,464,060,600 | 322 |
| Average equity | $381,844,800 | 265 |
| Average total loans | $1,572,991,600 | 364 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 3,988 |
| Cost of funding earning assets | 0.0711% | 5,868 |
| Net interest margin | 3.7072% | 2,694 |
| Noninterest income to average assets | 0.6681% | 2,329 |
| Noninterest expense to average assets | 2.3267% | 4,472 |
| Loan and lease loss provision to assets | 0.2248% | 905 |
| Net operating income to assets | 0.9786% | 2,523 |
| Return on assets (ROA) | 1.3786% | 1,169 |
| Pretax return on assets | 2.1050% | 458 |
| Return on Equity (ROE) | 9.7342% | 2,175 |
| Retained earnings to average equity (ytd only) | 8.9262% | 836 |
| Net charge-offs to loans | 0.1029% | 1,917 |
| Credit loss provision to net charge-offs | 373.4440% | 888 |
| Earnings coverage of net charge-offs (x) | 28.4838% | 1,537 |
| Efficiency ratio | 57.2656% | 4,923 |
| Assets per employee ($millions) | 7.3854% | 762 |
| Cash dividends to net income (ytd only)* | 8.2998% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0551% | 176 |
| Loan loss allowance to noncurrent loans | 853.6543% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 4,498 |
| Noncurrent loans to loans | 0.3579% | 3,974 |
| Net loans and leases to total assets | 56.9301% | 4,203 |
| Net loans and leases to deposits | 70.2795% | 3,964 |
| Net loans and leases to core deposits | 73.0417% | 4,082 |
| Total domestic deposits to total assets | 81.0053% | 4,241 |
| Equity capital to assets | 14.3664% | 911 |
| Core capital (leverage) ratio | 10.7089% | 2,777 |
| Tier 1 risk-based capital ratio | 9.8127% | 5,830 |
| Total risk-based capital ratio | 13.7589% | 4,370 |
| Memoranda: | ||
| Average total assets | $2,669,551,750 | 324 |
| Average earning assets | $2,428,844,750 | 325 |
| Average equity | $378,082,000 | 266 |
| Average total loans | $1,561,659,000 | 362 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 4,007 |
| Cost of funding earning assets | 0.0717% | 5,948 |
| Net interest margin | 3.7130% | 2,646 |
| Noninterest income to average assets | 0.6319% | 2,456 |
| Noninterest expense to average assets | 2.2829% | 4,657 |
| Loan and lease loss provision to assets | 0.2270% | 907 |
| Net operating income to assets | 1.0332% | 2,239 |
| Return on assets (ROA) | 1.0390% | 2,350 |
| Pretax return on assets | 1.5133% | 1,631 |
| Return on Equity (ROE) | 7.3726% | 3,331 |
| Retained earnings to average equity (ytd only) | 6.1426% | 2,042 |
| Net charge-offs to loans | 0.0692% | 2,203 |
| Credit loss provision to net charge-offs | 561.7978% | 602 |
| Earnings coverage of net charge-offs (x) | 42.8689% | 1,106 |
| Efficiency ratio | 56.5436% | 5,076 |
| Assets per employee ($millions) | 7.2514% | 784 |
| Cash dividends to net income (ytd only)* | 16.6824% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0811% | 176 |
| Loan loss allowance to noncurrent loans | 885.7796% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 4,573 |
| Noncurrent loans to loans | 0.3478% | 4,127 |
| Net loans and leases to total assets | 56.6628% | 4,236 |
| Net loans and leases to deposits | 70.6349% | 3,927 |
| Net loans and leases to core deposits | 73.6343% | 4,018 |
| Total domestic deposits to total assets | 80.2192% | 4,492 |
| Equity capital to assets | 14.6824% | 818 |
| Core capital (leverage) ratio | 10.2465% | 3,275 |
| Tier 1 risk-based capital ratio | 9.2739% | 5,978 |
| Total risk-based capital ratio | 13.5826% | 4,547 |
| Memoranda: | ||
| Average total assets | $2,643,614,330 | 325 |
| Average earning assets | $2,408,499,330 | 327 |
| Average equity | $372,544,000 | 269 |
| Average total loans | $1,544,423,000 | 364 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 4,088 |
| Cost of funding earning assets | 0.0689% | 6,016 |
| Net interest margin | 3.6937% | 2,694 |
| Noninterest income to average assets | 0.6344% | 2,348 |
| Noninterest expense to average assets | 2.2730% | 4,731 |
| Loan and lease loss provision to assets | 0.2290% | 811 |
| Net operating income to assets | 1.0323% | 2,153 |
| Return on assets (ROA) | 1.0431% | 2,227 |
| Pretax return on assets | 1.5111% | 1,547 |
| Return on Equity (ROE) | 7.5645% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.5645% | 1,637 |
| Net charge-offs to loans | 0.0528% | 2,000 |
| Credit loss provision to net charge-offs | 742.5743% | 467 |
| Earnings coverage of net charge-offs (x) | 55.9257% | 814 |
| Efficiency ratio | 56.5395% | 5,147 |
| Assets per employee ($millions) | 7.2849% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0657% | 208 |
| Loan loss allowance to noncurrent loans | 778.2294% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 4,534 |
| Noncurrent loans to loans | 0.3939% | 4,027 |
| Net loans and leases to total assets | 56.5478% | 4,194 |
| Net loans and leases to deposits | 69.8965% | 3,868 |
| Net loans and leases to core deposits | 72.8442% | 3,990 |
| Total domestic deposits to total assets | 80.9023% | 4,520 |
| Equity capital to assets | 14.2278% | 906 |
| Core capital (leverage) ratio | 10.3499% | 3,128 |
| Tier 1 risk-based capital ratio | 9.3007% | 6,033 |
| Total risk-based capital ratio | 13.2988% | 4,801 |
| Memoranda: | ||
| Average total assets | $2,620,291,000 | 325 |
| Average earning assets | $2,385,769,000 | 326 |
| Average equity | $361,319,000 | 275 |
| Average total loans | $1,530,216,000 | 365 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7844% | 4,091 |
| Cost of funding earning assets | 0.0687% | 6,065 |
| Net interest margin | 3.7157% | 2,691 |
| Noninterest income to average assets | 0.8302% | 1,672 |
| Noninterest expense to average assets | 2.3853% | 4,547 |
| Loan and lease loss provision to assets | 0.0977% | 2,359 |
| Net operating income to assets | 1.1395% | 1,774 |
| Return on assets (ROA) | 1.2061% | 1,592 |
| Pretax return on assets | 1.8031% | 802 |
| Return on Equity (ROE) | 8.9842% | 2,462 |
| Retained earnings to average equity (ytd only) | 7.5925% | 1,068 |
| Net charge-offs to loans | -0.0980% | 5,771 |
| Credit loss provision to net charge-offs | -176.4706% | 5,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8912% | 5,263 |
| Assets per employee ($millions) | 7.1717% | 832 |
| Cash dividends to net income (ytd only)* | 15.4905% | 3,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0304% | 215 |
| Loan loss allowance to noncurrent loans | 736.1556% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 4,522 |
| Noncurrent loans to loans | 0.4117% | 3,977 |
| Net loans and leases to total assets | 56.6907% | 4,234 |
| Net loans and leases to deposits | 68.7311% | 4,057 |
| Net loans and leases to core deposits | 71.5253% | 4,171 |
| Total domestic deposits to total assets | 82.4818% | 4,019 |
| Equity capital to assets | 13.3426% | 1,190 |
| Core capital (leverage) ratio | 10.0195% | 3,480 |
| Tier 1 risk-based capital ratio | 9.2833% | 6,075 |
| Total risk-based capital ratio | 12.7323% | 5,170 |
| Memoranda: | ||
| Average total assets | $2,456,764,600 | 327 |
| Average earning assets | $2,219,251,400 | 325 |
| Average equity | $329,810,600 | 277 |
| Average total loans | $1,387,057,400 | 371 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7844% | 4,144 |
| Cost of funding earning assets | 0.0677% | 6,161 |
| Net interest margin | 3.7166% | 2,688 |
| Noninterest income to average assets | 0.8737% | 1,533 |
| Noninterest expense to average assets | 2.3424% | 4,671 |
| Loan and lease loss provision to assets | 0.0330% | 3,567 |
| Net operating income to assets | 1.2101% | 1,615 |
| Return on assets (ROA) | 1.3736% | 1,221 |
| Pretax return on assets | 2.0960% | 503 |
| Return on Equity (ROE) | 10.2156% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.2756% | 803 |
| Net charge-offs to loans | -0.1663% | 5,946 |
| Credit loss provision to net charge-offs | -35.5240% | 4,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4585% | 5,412 |
| Assets per employee ($millions) | 6.8995% | 906 |
| Cash dividends to net income (ytd only)* | 9.2017% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1200% | 214 |
| Loan loss allowance to noncurrent loans | 568.7061% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 4,338 |
| Noncurrent loans to loans | 0.5486% | 3,695 |
| Net loans and leases to total assets | 54.7493% | 4,487 |
| Net loans and leases to deposits | 66.4995% | 4,335 |
| Net loans and leases to core deposits | 69.2911% | 4,441 |
| Total domestic deposits to total assets | 82.3305% | 4,062 |
| Equity capital to assets | 13.1798% | 1,363 |
| Core capital (leverage) ratio | 10.5430% | 2,998 |
| Tier 1 risk-based capital ratio | 9.5466% | 6,136 |
| Total risk-based capital ratio | 12.8112% | 5,267 |
| Memoranda: | ||
| Average total assets | $2,421,918,500 | 335 |
| Average earning assets | $2,183,065,750 | 336 |
| Average equity | $325,665,000 | 287 |
| Average total loans | $1,354,379,500 | 378 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 3,970 |
| Cost of funding earning assets | 0.0679% | 6,230 |
| Net interest margin | 3.7580% | 2,485 |
| Noninterest income to average assets | 0.6566% | 2,439 |
| Noninterest expense to average assets | 2.3803% | 4,617 |
| Loan and lease loss provision to assets | 0.0503% | 3,115 |
| Net operating income to assets | 1.0678% | 2,067 |
| Return on assets (ROA) | 1.3128% | 1,337 |
| Pretax return on assets | 1.9798% | 619 |
| Return on Equity (ROE) | 9.6956% | 2,209 |
| Retained earnings to average equity (ytd only) | 8.2752% | 1,158 |
| Net charge-offs to loans | -0.2391% | 6,072 |
| Credit loss provision to net charge-offs | -37.7358% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9327% | 5,119 |
| Assets per employee ($millions) | 7.2671% | 741 |
| Cash dividends to net income (ytd only)* | 14.6503% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2599% | 204 |
| Loan loss allowance to noncurrent loans | 644.3075% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 4,525 |
| Noncurrent loans to loans | 0.5060% | 3,944 |
| Net loans and leases to total assets | 54.6424% | 4,487 |
| Net loans and leases to deposits | 66.4242% | 4,298 |
| Net loans and leases to core deposits | 70.0401% | 4,325 |
| Total domestic deposits to total assets | 82.2627% | 4,206 |
| Equity capital to assets | 13.1584% | 1,320 |
| Core capital (leverage) ratio | 10.4920% | 2,968 |
| Tier 1 risk-based capital ratio | 9.5245% | 6,200 |
| Total risk-based capital ratio | 12.6735% | 5,437 |
| Memoranda: | ||
| Average total assets | $2,387,487,330 | 337 |
| Average earning assets | $2,148,920,670 | 338 |
| Average equity | $323,280,670 | 292 |
| Average total loans | $1,330,152,330 | 384 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 4,588 |
| Cost of funding earning assets | 0.0682% | 6,303 |
| Net interest margin | 3.5638% | 3,154 |
| Noninterest income to average assets | 0.7067% | 2,139 |
| Noninterest expense to average assets | 2.3432% | 4,761 |
| Loan and lease loss provision to assets | 0.1011% | 2,010 |
| Net operating income to assets | 1.0331% | 2,103 |
| Return on assets (ROA) | 1.0111% | 2,350 |
| Pretax return on assets | 1.4345% | 1,759 |
| Return on Equity (ROE) | 7.3614% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.3614% | 1,828 |
| Net charge-offs to loans | 0.0012% | 3,264 |
| Credit loss provision to net charge-offs | 15,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 2,326.0000% | 14 |
| Efficiency ratio | 59.9242% | 5,097 |
| Assets per employee ($millions) | 6.8767% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2422% | 228 |
| Loan loss allowance to noncurrent loans | 616.8947% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 4,617 |
| Noncurrent loans to loans | 0.5256% | 3,992 |
| Net loans and leases to total assets | 54.1917% | 4,421 |
| Net loans and leases to deposits | 66.6933% | 4,084 |
| Net loans and leases to core deposits | 70.1283% | 4,139 |
| Total domestic deposits to total assets | 81.2552% | 4,749 |
| Equity capital to assets | 13.7060% | 1,090 |
| Core capital (leverage) ratio | 10.3524% | 3,160 |
| Tier 1 risk-based capital ratio | 9.2090% | 6,299 |
| Total risk-based capital ratio | 12.7586% | 5,469 |
| Memoranda: | ||
| Average total assets | $2,374,899,500 | 337 |
| Average earning assets | $2,134,779,500 | 335 |
| Average equity | $326,187,000 | 289 |
| Average total loans | $1,313,848,000 | 385 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 4,682 |
| Cost of funding earning assets | 0.0745% | 6,385 |
| Net interest margin | 3.6650% | 3,148 |
| Noninterest income to average assets | 0.7787% | 1,954 |
| Noninterest expense to average assets | 2.7226% | 3,780 |
| Loan and lease loss provision to assets | 0.1447% | 1,828 |
| Net operating income to assets | 0.8531% | 3,105 |
| Return on assets (ROA) | 0.8569% | 3,181 |
| Pretax return on assets | 1.2018% | 2,645 |
| Return on Equity (ROE) | 6.2063% | 4,050 |
| Retained earnings to average equity (ytd only) | 4.5231% | 2,951 |
| Net charge-offs to loans | 0.0772% | 3,383 |
| Credit loss provision to net charge-offs | 349.5763% | 755 |
| Earnings coverage of net charge-offs (x) | 32.4025% | 1,263 |
| Efficiency ratio | 66.9986% | 4,059 |
| Assets per employee ($millions) | 6.9508% | 869 |
| Cash dividends to net income (ytd only)* | 27.1206% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2323% | 231 |
| Loan loss allowance to noncurrent loans | 703.5649% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 4,827 |
| Noncurrent loans to loans | 0.4594% | 4,273 |
| Net loans and leases to total assets | 52.8798% | 4,702 |
| Net loans and leases to deposits | 65.2606% | 4,406 |
| Net loans and leases to core deposits | 68.4033% | 4,462 |
| Total domestic deposits to total assets | 81.0287% | 4,740 |
| Equity capital to assets | 13.7631% | 1,043 |
| Core capital (leverage) ratio | 10.0687% | 3,475 |
| Tier 1 risk-based capital ratio | 11.7083% | 5,540 |
| Total risk-based capital ratio | 16.4735% | 3,315 |
| Memoranda: | ||
| Average total assets | $2,280,908,600 | 329 |
| Average earning assets | $2,044,378,000 | 331 |
| Average equity | $314,939,000 | 284 |
| Average total loans | $1,222,653,800 | 385 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 4,727 |
| Cost of funding earning assets | 0.0758% | 6,467 |
| Net interest margin | 3.6678% | 3,161 |
| Noninterest income to average assets | 0.7233% | 2,210 |
| Noninterest expense to average assets | 2.5391% | 4,399 |
| Loan and lease loss provision to assets | 0.0828% | 2,695 |
| Net operating income to assets | 0.9730% | 2,581 |
| Return on assets (ROA) | 0.9781% | 2,622 |
| Pretax return on assets | 1.3910% | 2,046 |
| Return on Equity (ROE) | 7.0779% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.0927% | 2,352 |
| Net charge-offs to loans | 0.1975% | 1,889 |
| Credit loss provision to net charge-offs | 78.6517% | 2,621 |
| Earnings coverage of net charge-offs (x) | 13.9247% | 2,182 |
| Efficiency ratio | 63.3879% | 4,648 |
| Assets per employee ($millions) | 6.7632% | 886 |
| Cash dividends to net income (ytd only)* | 13.9193% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0776% | 330 |
| Loan loss allowance to noncurrent loans | 330.3421% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 4,114 |
| Noncurrent loans to loans | 0.9316% | 3,233 |
| Net loans and leases to total assets | 54.2554% | 4,547 |
| Net loans and leases to deposits | 66.4297% | 4,288 |
| Net loans and leases to core deposits | 70.0201% | 4,321 |
| Total domestic deposits to total assets | 81.6733% | 4,600 |
| Equity capital to assets | 14.0785% | 977 |
| Core capital (leverage) ratio | 10.4207% | 3,136 |
| Tier 1 risk-based capital ratio | 11.9753% | 5,505 |
| Total risk-based capital ratio | 16.2286% | 3,528 |
| Memoranda: | ||
| Average total assets | $2,253,363,000 | 328 |
| Average earning assets | $2,016,586,000 | 330 |
| Average equity | $311,401,500 | 286 |
| Average total loans | $1,201,657,250 | 388 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,833 |
| Cost of funding earning assets | 0.0761% | 6,532 |
| Net interest margin | 3.6322% | 3,223 |
| Noninterest income to average assets | 0.6165% | 2,728 |
| Noninterest expense to average assets | 2.5611% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9154% | 2,730 |
| Return on assets (ROA) | 0.9206% | 2,801 |
| Pretax return on assets | 1.3102% | 2,217 |
| Return on Equity (ROE) | 6.7046% | 3,779 |
| Retained earnings to average equity (ytd only) | 5.2086% | 2,826 |
| Net charge-offs to loans | 0.3142% | 1,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.9095% | 2,562 |
| Efficiency ratio | 66.2823% | 4,317 |
| Assets per employee ($millions) | 6.5408% | 990 |
| Cash dividends to net income (ytd only)* | 22.3138% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0655% | 355 |
| Loan loss allowance to noncurrent loans | 351.5482% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 4,214 |
| Noncurrent loans to loans | 0.8720% | 3,519 |
| Net loans and leases to total assets | 52.6862% | 4,673 |
| Net loans and leases to deposits | 64.8121% | 4,401 |
| Net loans and leases to core deposits | 68.7528% | 4,395 |
| Total domestic deposits to total assets | 81.2908% | 4,879 |
| Equity capital to assets | 14.1473% | 913 |
| Core capital (leverage) ratio | 10.3266% | 3,172 |
| Tier 1 risk-based capital ratio | 11.9336% | 5,577 |
| Total risk-based capital ratio | 16.5207% | 3,432 |
| Memoranda: | ||
| Average total assets | $2,240,240,330 | 325 |
| Average earning assets | $2,002,887,670 | 330 |
| Average equity | $307,608,000 | 284 |
| Average total loans | $1,174,400,000 | 390 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 5,097 |
| Cost of funding earning assets | 0.0769% | 6,611 |
| Net interest margin | 3.5453% | 3,500 |
| Noninterest income to average assets | 0.5902% | 2,794 |
| Noninterest expense to average assets | 2.5720% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8469% | 2,911 |
| Return on assets (ROA) | 0.8575% | 2,929 |
| Pretax return on assets | 1.2060% | 2,468 |
| Return on Equity (ROE) | 6.3440% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.3440% | 2,356 |
| Net charge-offs to loans | 0.3891% | 938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.9523% | 2,307 |
| Efficiency ratio | 68.3497% | 4,123 |
| Assets per employee ($millions) | 6.2976% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3784% | 299 |
| Loan loss allowance to noncurrent loans | 288.3740% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 4,113 |
| Noncurrent loans to loans | 1.1716% | 3,091 |
| Net loans and leases to total assets | 50.0179% | 4,909 |
| Net loans and leases to deposits | 61.0620% | 4,658 |
| Net loans and leases to core deposits | 64.7856% | 4,616 |
| Total domestic deposits to total assets | 81.9133% | 4,967 |
| Equity capital to assets | 13.8398% | 972 |
| Core capital (leverage) ratio | 10.2387% | 3,237 |
| Tier 1 risk-based capital ratio | 12.3041% | 5,438 |
| Total risk-based capital ratio | 16.4834% | 3,545 |
| Memoranda: | ||
| Average total assets | $2,218,990,500 | 331 |
| Average earning assets | $1,985,858,500 | 335 |
| Average equity | $299,938,500 | 287 |
| Average total loans | $1,141,238,000 | 402 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7212% | 5,065 |
| Cost of funding earning assets | 0.0974% | 6,677 |
| Net interest margin | 3.6238% | 3,362 |
| Noninterest income to average assets | 0.6801% | 2,647 |
| Noninterest expense to average assets | 2.6663% | 4,224 |
| Loan and lease loss provision to assets | 0.2321% | 1,553 |
| Net operating income to assets | 0.7208% | 3,697 |
| Return on assets (ROA) | 0.7555% | 3,609 |
| Pretax return on assets | 1.0400% | 3,191 |
| Return on Equity (ROE) | 6.0335% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.1262% | 2,510 |
| Net charge-offs to loans | 0.0094% | 5,263 |
| Credit loss provision to net charge-offs | 4,901.9608% | 40 |
| Earnings coverage of net charge-offs (x) | 258.5882% | 173 |
| Efficiency ratio | 68.5262% | 4,094 |
| Assets per employee ($millions) | 6.4198% | 1,026 |
| Cash dividends to net income (ytd only)* | 15.0381% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5138% | 287 |
| Loan loss allowance to noncurrent loans | 267.1423% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 4,059 |
| Noncurrent loans to loans | 1.3153% | 2,937 |
| Net loans and leases to total assets | 49.2995% | 5,160 |
| Net loans and leases to deposits | 59.3397% | 4,999 |
| Net loans and leases to core deposits | 62.4998% | 5,017 |
| Total domestic deposits to total assets | 83.0801% | 4,522 |
| Equity capital to assets | 13.1946% | 1,187 |
| Core capital (leverage) ratio | 9.9849% | 3,599 |
| Tier 1 risk-based capital ratio | 12.3959% | 5,353 |
| Total risk-based capital ratio | 16.2515% | 3,608 |
| Memoranda: | ||
| Average total assets | $2,153,840,800 | 332 |
| Average earning assets | $1,908,338,200 | 334 |
| Average equity | $269,692,200 | 301 |
| Average total loans | $1,082,103,000 | 406 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7239% | 5,100 |
| Cost of funding earning assets | 0.1021% | 6,760 |
| Net interest margin | 3.6217% | 3,352 |
| Noninterest income to average assets | 0.6176% | 3,048 |
| Noninterest expense to average assets | 2.5541% | 4,535 |
| Loan and lease loss provision to assets | 0.2932% | 1,169 |
| Net operating income to assets | 0.6885% | 3,916 |
| Return on assets (ROA) | 0.7338% | 3,810 |
| Pretax return on assets | 1.0336% | 3,360 |
| Return on Equity (ROE) | 5.9438% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.8705% | 2,494 |
| Net charge-offs to loans | 0.0563% | 4,103 |
| Credit loss provision to net charge-offs | 1,042.1286% | 296 |
| Earnings coverage of net charge-offs (x) | 44.8868% | 931 |
| Efficiency ratio | 66.9113% | 4,323 |
| Assets per employee ($millions) | 6.1282% | 1,148 |
| Cash dividends to net income (ytd only)* | 1.2328% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5124% | 337 |
| Loan loss allowance to noncurrent loans | 250.1594% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 4,107 |
| Noncurrent loans to loans | 1.4041% | 3,061 |
| Net loans and leases to total assets | 50.6785% | 5,053 |
| Net loans and leases to deposits | 61.3576% | 4,826 |
| Net loans and leases to core deposits | 64.7362% | 4,822 |
| Total domestic deposits to total assets | 82.5954% | 4,719 |
| Equity capital to assets | 12.8130% | 1,415 |
| Core capital (leverage) ratio | 10.1920% | 3,416 |
| Tier 1 risk-based capital ratio | 12.2961% | 5,573 |
| Total risk-based capital ratio | 15.7798% | 4,009 |
| Memoranda: | ||
| Average total assets | $2,136,992,000 | 335 |
| Average earning assets | $1,887,918,000 | 338 |
| Average equity | $263,844,250 | 305 |
| Average total loans | $1,068,894,500 | 408 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 5,206 |
| Cost of funding earning assets | 0.1068% | 6,809 |
| Net interest margin | 3.5738% | 3,473 |
| Noninterest income to average assets | 0.5673% | 3,400 |
| Noninterest expense to average assets | 2.6487% | 4,224 |
| Loan and lease loss provision to assets | 0.3317% | 1,036 |
| Net operating income to assets | 0.5523% | 4,543 |
| Return on assets (ROA) | 0.6299% | 4,313 |
| Pretax return on assets | 0.8425% | 4,147 |
| Return on Equity (ROE) | 5.1669% | 4,633 |
| Retained earnings to average equity (ytd only) | 5.0558% | 3,020 |
| Net charge-offs to loans | 0.0747% | 3,647 |
| Credit loss provision to net charge-offs | 903.3079% | 337 |
| Earnings coverage of net charge-offs (x) | 29.1578% | 1,169 |
| Efficiency ratio | 71.2136% | 3,611 |
| Assets per employee ($millions) | 6.0863% | 1,142 |
| Cash dividends to net income (ytd only)* | 2.1507% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4846% | 377 |
| Loan loss allowance to noncurrent loans | 230.0796% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 4,101 |
| Noncurrent loans to loans | 1.5145% | 3,027 |
| Net loans and leases to total assets | 49.7302% | 5,135 |
| Net loans and leases to deposits | 60.5249% | 4,917 |
| Net loans and leases to core deposits | 63.9705% | 4,897 |
| Total domestic deposits to total assets | 82.1649% | 5,000 |
| Equity capital to assets | 12.5962% | 1,520 |
| Core capital (leverage) ratio | 9.9990% | 3,522 |
| Tier 1 risk-based capital ratio | 12.3089% | 5,619 |
| Total risk-based capital ratio | 15.8411% | 4,002 |
| Memoranda: | ||
| Average total assets | $2,140,490,000 | 335 |
| Average earning assets | $1,887,894,000 | 338 |
| Average equity | $260,969,670 | 307 |
| Average total loans | $1,052,890,000 | 409 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 5,440 |
| Cost of funding earning assets | 0.1106% | 6,889 |
| Net interest margin | 3.4945% | 3,722 |
| Noninterest income to average assets | 0.5700% | 3,301 |
| Noninterest expense to average assets | 2.6156% | 4,355 |
| Loan and lease loss provision to assets | 0.4189% | 725 |
| Net operating income to assets | 0.5047% | 4,633 |
| Return on assets (ROA) | 0.5047% | 4,780 |
| Pretax return on assets | 0.6244% | 4,859 |
| Return on Equity (ROE) | 4.2084% | 4,993 |
| Retained earnings to average equity (ytd only) | 4.2084% | 3,697 |
| Net charge-offs to loans | -0.0140% | 5,565 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4867% | 3,716 |
| Assets per employee ($millions) | 6.3125% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6168% | 383 |
| Loan loss allowance to noncurrent loans | 195.9874% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9779% | 3,970 |
| Noncurrent loans to loans | 1.8454% | 2,808 |
| Net loans and leases to total assets | 46.2724% | 5,409 |
| Net loans and leases to deposits | 55.6536% | 5,280 |
| Net loans and leases to core deposits | 59.0355% | 5,246 |
| Total domestic deposits to total assets | 83.1436% | 4,809 |
| Equity capital to assets | 12.4279% | 1,754 |
| Core capital (leverage) ratio | 9.6622% | 3,833 |
| Tier 1 risk-based capital ratio | 12.4900% | 5,581 |
| Total risk-based capital ratio | 16.2181% | 3,823 |
| Memoranda: | ||
| Average total assets | $2,148,682,000 | 336 |
| Average earning assets | $1,899,210,500 | 340 |
| Average equity | $257,676,000 | 315 |
| Average total loans | $1,032,104,500 | 418 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 5,202 |
| Cost of funding earning assets | 0.1461% | 6,924 |
| Net interest margin | 3.8910% | 2,869 |
| Noninterest income to average assets | 0.7913% | 2,300 |
| Noninterest expense to average assets | 2.6830% | 4,460 |
| Loan and lease loss provision to assets | 0.4425% | 1,430 |
| Net operating income to assets | 0.7883% | 3,335 |
| Return on assets (ROA) | 0.8126% | 3,474 |
| Pretax return on assets | 1.1266% | 3,061 |
| Return on Equity (ROE) | 6.7997% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.2399% | 3,244 |
| Net charge-offs to loans | 0.3259% | 3,017 |
| Credit loss provision to net charge-offs | 277.3568% | 865 |
| Earnings coverage of net charge-offs (x) | 9.6238% | 2,245 |
| Efficiency ratio | 63.4539% | 4,984 |
| Assets per employee ($millions) | 6.2351% | 1,142 |
| Cash dividends to net income (ytd only)* | 37.6466% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3837% | 479 |
| Loan loss allowance to noncurrent loans | 183.0699% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 1.0297% | 3,975 |
| Noncurrent loans to loans | 1.8483% | 2,860 |
| Net loans and leases to total assets | 46.4336% | 5,576 |
| Net loans and leases to deposits | 54.9894% | 5,555 |
| Net loans and leases to core deposits | 58.2153% | 5,524 |
| Total domestic deposits to total assets | 84.4409% | 4,106 |
| Equity capital to assets | 11.5576% | 2,392 |
| Core capital (leverage) ratio | 9.4652% | 4,157 |
| Tier 1 risk-based capital ratio | 12.5410% | 5,440 |
| Total risk-based capital ratio | 15.5237% | 4,140 |
| Memoranda: | ||
| Average total assets | $2,067,680,600 | 344 |
| Average earning assets | $1,821,207,400 | 343 |
| Average equity | $247,082,800 | 315 |
| Average total loans | $1,012,212,000 | 419 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 5,371 |
| Cost of funding earning assets | 0.1545% | 7,029 |
| Net interest margin | 3.8915% | 2,943 |
| Noninterest income to average assets | 0.7621% | 2,417 |
| Noninterest expense to average assets | 2.5625% | 4,872 |
| Loan and lease loss provision to assets | 0.5960% | 935 |
| Net operating income to assets | 0.7682% | 3,609 |
| Return on assets (ROA) | 0.7895% | 3,744 |
| Pretax return on assets | 1.0617% | 3,495 |
| Return on Equity (ROE) | 6.5503% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.6948% | 2,900 |
| Net charge-offs to loans | 0.4436% | 2,332 |
| Credit loss provision to net charge-offs | 273.1343% | 996 |
| Earnings coverage of net charge-offs (x) | 7.4645% | 2,601 |
| Efficiency ratio | 60.9636% | 5,322 |
| Assets per employee ($millions) | 5.9761% | 1,262 |
| Cash dividends to net income (ytd only)* | 13.0610% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4341% | 493 |
| Loan loss allowance to noncurrent loans | 137.4547% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 3,540 |
| Noncurrent loans to loans | 2.4983% | 2,299 |
| Net loans and leases to total assets | 47.2299% | 5,636 |
| Net loans and leases to deposits | 56.7138% | 5,566 |
| Net loans and leases to core deposits | 60.4129% | 5,513 |
| Total domestic deposits to total assets | 83.2776% | 4,529 |
| Equity capital to assets | 12.2486% | 2,073 |
| Core capital (leverage) ratio | 9.9183% | 3,669 |
| Tier 1 risk-based capital ratio | 12.8140% | 5,398 |
| Total risk-based capital ratio | 16.1734% | 3,861 |
| Memoranda: | ||
| Average total assets | $2,046,820,000 | 349 |
| Average earning assets | $1,803,708,000 | 347 |
| Average equity | $246,698,750 | 316 |
| Average total loans | $1,006,809,000 | 420 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 5,459 |
| Cost of funding earning assets | 0.1634% | 7,088 |
| Net interest margin | 3.8966% | 2,917 |
| Noninterest income to average assets | 0.7471% | 2,430 |
| Noninterest expense to average assets | 2.6120% | 4,734 |
| Loan and lease loss provision to assets | 0.7024% | 778 |
| Net operating income to assets | 0.6683% | 4,024 |
| Return on assets (ROA) | 0.7017% | 4,124 |
| Pretax return on assets | 0.9060% | 4,054 |
| Return on Equity (ROE) | 5.8544% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.5570% | 3,571 |
| Net charge-offs to loans | 0.8103% | 1,360 |
| Credit loss provision to net charge-offs | 175.8918% | 1,603 |
| Earnings coverage of net charge-offs (x) | 3.9191% | 3,233 |
| Efficiency ratio | 62.3063% | 5,199 |
| Assets per employee ($millions) | 5.7822% | 1,386 |
| Cash dividends to net income (ytd only)* | 22.1616% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1100% | 709 |
| Loan loss allowance to noncurrent loans | 107.6705% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.6480% | 3,250 |
| Noncurrent loans to loans | 2.8884% | 2,072 |
| Net loans and leases to total assets | 49.5924% | 5,408 |
| Net loans and leases to deposits | 59.7324% | 5,262 |
| Net loans and leases to core deposits | 63.9093% | 5,220 |
| Total domestic deposits to total assets | 83.0242% | 4,747 |
| Equity capital to assets | 12.3771% | 1,896 |
| Core capital (leverage) ratio | 9.7944% | 3,725 |
| Tier 1 risk-based capital ratio | 12.3374% | 5,696 |
| Total risk-based capital ratio | 15.7100% | 4,095 |
| Memoranda: | ||
| Average total assets | $2,035,870,330 | 351 |
| Average earning assets | $1,792,017,330 | 355 |
| Average equity | $244,021,330 | 319 |
| Average total loans | $1,003,360,330 | 419 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 5,550 |
| Cost of funding earning assets | 0.1740% | 7,144 |
| Net interest margin | 3.8950% | 2,949 |
| Noninterest income to average assets | 0.7031% | 2,648 |
| Noninterest expense to average assets | 2.4295% | 5,373 |
| Loan and lease loss provision to assets | 0.6660% | 806 |
| Net operating income to assets | 0.7626% | 3,561 |
| Return on assets (ROA) | 0.7626% | 3,797 |
| Pretax return on assets | 1.0286% | 3,577 |
| Return on Equity (ROE) | 6.4671% | 4,060 |
| Retained earnings to average equity (ytd only) | 6.4671% | 2,710 |
| Net charge-offs to loans | 0.1281% | 3,340 |
| Credit loss provision to net charge-offs | 1,075.9494% | 321 |
| Earnings coverage of net charge-offs (x) | 27.3766% | 988 |
| Efficiency ratio | 58.6805% | 5,819 |
| Assets per employee ($millions) | 5.7679% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3294% | 608 |
| Loan loss allowance to noncurrent loans | 85.1456% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 2.0392% | 2,840 |
| Noncurrent loans to loans | 3.9102% | 1,576 |
| Net loans and leases to total assets | 45.9395% | 5,786 |
| Net loans and leases to deposits | 54.8623% | 5,719 |
| Net loans and leases to core deposits | 59.1418% | 5,614 |
| Total domestic deposits to total assets | 83.7360% | 4,619 |
| Equity capital to assets | 11.9298% | 2,092 |
| Core capital (leverage) ratio | 9.6784% | 3,800 |
| Tier 1 risk-based capital ratio | 12.6684% | 5,472 |
| Total risk-based capital ratio | 15.8188% | 4,007 |
| Memoranda: | ||
| Average total assets | $2,041,916,500 | 345 |
| Average earning assets | $1,793,482,000 | 351 |
| Average equity | $240,789,500 | 318 |
| Average total loans | $987,113,000 | 423 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 4,218 |
| Cost of funding earning assets | 0.2591% | 7,167 |
| Net interest margin | 4.4466% | 1,274 |
| Noninterest income to average assets | 0.8452% | 1,866 |
| Noninterest expense to average assets | 2.9840% | 3,649 |
| Loan and lease loss provision to assets | 0.9778% | 979 |
| Net operating income to assets | 0.6129% | 3,927 |
| Return on assets (ROA) | 0.7016% | 3,668 |
| Pretax return on assets | 0.9185% | 3,549 |
| Return on Equity (ROE) | 6.1120% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.7796% | 2,800 |
| Net charge-offs to loans | 1.7837% | 830 |
| Credit loss provision to net charge-offs | 100.1314% | 3,494 |
| Earnings coverage of net charge-offs (x) | 1.8224% | 4,416 |
| Efficiency ratio | 62.4339% | 5,390 |
| Assets per employee ($millions) | 5.7846% | 1,385 |
| Cash dividends to net income (ytd only)* | 21.7996% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8938% | 897 |
| Loan loss allowance to noncurrent loans | 87.7780% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.8263% | 3,221 |
| Noncurrent loans to loans | 3.2967% | 1,966 |
| Net loans and leases to total assets | 47.7360% | 5,855 |
| Net loans and leases to deposits | 56.7548% | 5,821 |
| Net loans and leases to core deposits | 60.7143% | 5,779 |
| Total domestic deposits to total assets | 84.1092% | 4,277 |
| Equity capital to assets | 11.6556% | 2,380 |
| Core capital (leverage) ratio | 9.4769% | 4,063 |
| Tier 1 risk-based capital ratio | 12.2506% | 5,647 |
| Total risk-based capital ratio | 15.3280% | 4,220 |
| Memoranda: | ||
| Average total assets | $1,948,287,000 | 357 |
| Average earning assets | $1,716,825,000 | 352 |
| Average equity | $223,657,400 | 318 |
| Average total loans | $1,066,577,800 | 398 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 3,909 |
| Cost of funding earning assets | 0.2767% | 7,250 |
| Net interest margin | 4.5488% | 1,044 |
| Noninterest income to average assets | 0.8879% | 1,691 |
| Noninterest expense to average assets | 3.0026% | 3,545 |
| Loan and lease loss provision to assets | 1.0571% | 792 |
| Net operating income to assets | 0.6684% | 3,778 |
| Return on assets (ROA) | 0.6684% | 3,950 |
| Pretax return on assets | 0.8482% | 3,957 |
| Return on Equity (ROE) | 5.8467% | 4,093 |
| Retained earnings to average equity (ytd only) | 4.9997% | 3,173 |
| Net charge-offs to loans | 1.7693% | 764 |
| Credit loss provision to net charge-offs | 106.2570% | 3,117 |
| Earnings coverage of net charge-offs (x) | 1.9151% | 4,225 |
| Efficiency ratio | 60.9342% | 5,570 |
| Assets per employee ($millions) | 5.4889% | 1,609 |
| Cash dividends to net income (ytd only)* | 14.4872% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8306% | 1,007 |
| Loan loss allowance to noncurrent loans | 70.2202% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.3990% | 2,685 |
| Noncurrent loans to loans | 4.0311% | 1,644 |
| Net loans and leases to total assets | 52.4140% | 5,397 |
| Net loans and leases to deposits | 62.1688% | 5,380 |
| Net loans and leases to core deposits | 67.1163% | 5,293 |
| Total domestic deposits to total assets | 84.3092% | 4,094 |
| Equity capital to assets | 11.5442% | 2,643 |
| Core capital (leverage) ratio | 9.5852% | 4,016 |
| Tier 1 risk-based capital ratio | 12.0052% | 5,891 |
| Total risk-based capital ratio | 14.4842% | 4,896 |
| Memoranda: | ||
| Average total assets | $1,923,417,250 | 362 |
| Average earning assets | $1,699,790,750 | 356 |
| Average equity | $219,901,750 | 327 |
| Average total loans | $1,081,559,250 | 395 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 4,784 |
| Cost of funding earning assets | 0.2859% | 7,327 |
| Net interest margin | 4.3567% | 1,493 |
| Noninterest income to average assets | 0.9152% | 1,602 |
| Noninterest expense to average assets | 3.1592% | 3,053 |
| Loan and lease loss provision to assets | 0.8641% | 1,041 |
| Net operating income to assets | 0.6066% | 4,031 |
| Return on assets (ROA) | 0.6066% | 4,164 |
| Pretax return on assets | 0.7464% | 4,225 |
| Return on Equity (ROE) | 5.3238% | 4,295 |
| Retained earnings to average equity (ytd only) | 4.0398% | 3,632 |
| Net charge-offs to loans | 1.5897% | 926 |
| Credit loss provision to net charge-offs | 95.3316% | 3,295 |
| Earnings coverage of net charge-offs (x) | 1.7768% | 3,980 |
| Efficiency ratio | 66.0247% | 4,868 |
| Assets per employee ($millions) | 5.3587% | 1,701 |
| Cash dividends to net income (ytd only)* | 24.1195% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6218% | 1,284 |
| Loan loss allowance to noncurrent loans | 62.7029% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.6179% | 2,546 |
| Noncurrent loans to loans | 4.1813% | 1,630 |
| Net loans and leases to total assets | 55.5679% | 5,058 |
| Net loans and leases to deposits | 65.9099% | 5,014 |
| Net loans and leases to core deposits | 71.2804% | 4,919 |
| Total domestic deposits to total assets | 84.3088% | 4,213 |
| Equity capital to assets | 11.7446% | 2,292 |
| Core capital (leverage) ratio | 9.5495% | 3,882 |
| Tier 1 risk-based capital ratio | 11.7080% | 6,000 |
| Total risk-based capital ratio | 14.3159% | 4,846 |
| Memoranda: | ||
| Average total assets | $1,909,551,000 | 368 |
| Average earning assets | $1,689,386,330 | 362 |
| Average equity | $217,587,330 | 333 |
| Average total loans | $1,088,763,330 | 400 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 4,506 |
| Cost of funding earning assets | 0.2951% | 7,394 |
| Net interest margin | 4.4092% | 1,256 |
| Noninterest income to average assets | 0.7090% | 2,526 |
| Noninterest expense to average assets | 3.2701% | 2,646 |
| Loan and lease loss provision to assets | 0.7873% | 1,084 |
| Net operating income to assets | 0.4766% | 4,590 |
| Return on assets (ROA) | 0.4766% | 4,670 |
| Pretax return on assets | 0.5568% | 4,844 |
| Return on Equity (ROE) | 4.2484% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.2484% | 3,625 |
| Net charge-offs to loans | 2.1032% | 598 |
| Credit loss provision to net charge-offs | 65.6858% | 3,443 |
| Earnings coverage of net charge-offs (x) | 1.1214% | 3,826 |
| Efficiency ratio | 70.6511% | 4,125 |
| Assets per employee ($millions) | 5.2881% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5500% | 1,387 |
| Loan loss allowance to noncurrent loans | 152.4885% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1826% | 4,588 |
| Noncurrent loans to loans | 1.6722% | 3,976 |
| Net loans and leases to total assets | 54.3430% | 5,255 |
| Net loans and leases to deposits | 63.8951% | 5,269 |
| Net loans and leases to core deposits | 69.1690% | 5,147 |
| Total domestic deposits to total assets | 85.0504% | 4,006 |
| Equity capital to assets | 11.3807% | 2,359 |
| Core capital (leverage) ratio | 9.4405% | 3,899 |
| Tier 1 risk-based capital ratio | 11.9160% | 5,763 |
| Total risk-based capital ratio | 14.2913% | 4,779 |
| Memoranda: | ||
| Average total assets | $1,905,128,000 | 369 |
| Average earning assets | $1,687,377,000 | 365 |
| Average equity | $213,726,500 | 336 |
| Average total loans | $1,085,788,000 | 405 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 4,725 |
| Cost of funding earning assets | 0.4503% | 7,367 |
| Net interest margin | 4.5135% | 1,203 |
| Noninterest income to average assets | 0.7285% | 2,654 |
| Noninterest expense to average assets | 3.0909% | 3,500 |
| Loan and lease loss provision to assets | 0.7158% | 2,290 |
| Net operating income to assets | 0.7065% | 3,206 |
| Return on assets (ROA) | 0.6796% | 3,435 |
| Pretax return on assets | 0.8966% | 3,303 |
| Return on Equity (ROE) | 6.5308% | 3,329 |
| Retained earnings to average equity (ytd only) | 5.7854% | 1,945 |
| Net charge-offs to loans | 1.1092% | 2,008 |
| Credit loss provision to net charge-offs | 107.5731% | 4,124 |
| Earnings coverage of net charge-offs (x) | 2.4765% | 3,882 |
| Efficiency ratio | 64.6322% | 5,236 |
| Assets per employee ($millions) | 5.1524% | 1,943 |
| Cash dividends to net income (ytd only)* | 11.4141% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6291% | 1,257 |
| Loan loss allowance to noncurrent loans | 148.6997% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0743% | 4,857 |
| Noncurrent loans to loans | 1.7681% | 3,858 |
| Net loans and leases to total assets | 56.6950% | 5,230 |
| Net loans and leases to deposits | 66.3350% | 5,359 |
| Net loans and leases to core deposits | 71.8799% | 5,228 |
| Total domestic deposits to total assets | 85.4677% | 3,620 |
| Equity capital to assets | 11.0556% | 2,638 |
| Core capital (leverage) ratio | 9.1908% | 4,186 |
| Tier 1 risk-based capital ratio | 11.3907% | 5,999 |
| Total risk-based capital ratio | 13.4971% | 5,226 |
| Memoranda: | ||
| Average total assets | $1,920,975,000 | 363 |
| Average earning assets | $1,706,737,800 | 366 |
| Average equity | $199,882,600 | 352 |
| Average total loans | $1,152,358,400 | 388 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 4,952 |
| Cost of funding earning assets | 0.4837% | 7,465 |
| Net interest margin | 4.4855% | 1,292 |
| Noninterest income to average assets | 0.7963% | 2,250 |
| Noninterest expense to average assets | 3.0501% | 3,572 |
| Loan and lease loss provision to assets | 0.7961% | 1,908 |
| Net operating income to assets | 0.7006% | 3,409 |
| Return on assets (ROA) | 0.6653% | 3,737 |
| Pretax return on assets | 0.8878% | 3,596 |
| Return on Equity (ROE) | 6.4940% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.4940% | 2,095 |
| Net charge-offs to loans | 1.1045% | 1,839 |
| Credit loss provision to net charge-offs | 119.2946% | 3,462 |
| Earnings coverage of net charge-offs (x) | 2.5938% | 3,853 |
| Efficiency ratio | 63.2070% | 5,404 |
| Assets per employee ($millions) | 4.9957% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6237% | 1,175 |
| Loan loss allowance to noncurrent loans | 219.0841% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 5,339 |
| Noncurrent loans to loans | 1.1976% | 4,848 |
| Net loans and leases to total assets | 58.4924% | 5,183 |
| Net loans and leases to deposits | 69.0233% | 5,272 |
| Net loans and leases to core deposits | 75.4158% | 5,130 |
| Total domestic deposits to total assets | 84.7430% | 3,751 |
| Equity capital to assets | 10.8516% | 3,115 |
| Core capital (leverage) ratio | 9.1918% | 4,385 |
| Tier 1 risk-based capital ratio | 11.0919% | 6,293 |
| Total risk-based capital ratio | 13.0566% | 5,611 |
| Memoranda: | ||
| Average total assets | $1,925,906,000 | 360 |
| Average earning assets | $1,710,936,000 | 362 |
| Average equity | $197,304,750 | 352 |
| Average total loans | $1,163,693,250 | 388 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9243% | 5,292 |
| Cost of funding earning assets | 0.5270% | 7,506 |
| Net interest margin | 4.3973% | 1,451 |
| Noninterest income to average assets | 0.7650% | 2,302 |
| Noninterest expense to average assets | 3.0815% | 3,388 |
| Loan and lease loss provision to assets | 0.7241% | 2,013 |
| Net operating income to assets | 0.6625% | 3,570 |
| Return on assets (ROA) | 0.5754% | 4,117 |
| Pretax return on assets | 0.7600% | 4,027 |
| Return on Equity (ROE) | 5.7274% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.7274% | 2,482 |
| Net charge-offs to loans | 1.3260% | 1,431 |
| Credit loss provision to net charge-offs | 90.2062% | 4,416 |
| Earnings coverage of net charge-offs (x) | 1.9916% | 4,032 |
| Efficiency ratio | 65.2418% | 5,114 |
| Assets per employee ($millions) | 4.8510% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3752% | 1,466 |
| Loan loss allowance to noncurrent loans | 181.6656% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0153% | 5,113 |
| Noncurrent loans to loans | 1.3074% | 4,767 |
| Net loans and leases to total assets | 59.9383% | 5,068 |
| Net loans and leases to deposits | 69.2503% | 5,381 |
| Net loans and leases to core deposits | 75.6595% | 5,234 |
| Total domestic deposits to total assets | 86.5530% | 2,790 |
| Equity capital to assets | 10.2800% | 3,672 |
| Core capital (leverage) ratio | 8.7352% | 5,028 |
| Tier 1 risk-based capital ratio | 10.7656% | 6,474 |
| Total risk-based capital ratio | 12.2331% | 6,244 |
| Memoranda: | ||
| Average total assets | $1,933,415,000 | 358 |
| Average earning assets | $1,721,448,330 | 362 |
| Average equity | $194,224,000 | 353 |
| Average total loans | $1,170,481,000 | 393 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8058% | 5,875 |
| Cost of funding earning assets | 0.5704% | 7,579 |
| Net interest margin | 4.2354% | 1,909 |
| Noninterest income to average assets | 0.7309% | 2,403 |
| Noninterest expense to average assets | 3.0343% | 3,547 |
| Loan and lease loss provision to assets | 0.6118% | 2,080 |
| Net operating income to assets | 0.6517% | 3,655 |
| Return on assets (ROA) | 0.5533% | 4,261 |
| Pretax return on assets | 0.7291% | 4,127 |
| Return on Equity (ROE) | 5.5697% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.5697% | 2,831 |
| Net charge-offs to loans | 0.3171% | 3,146 |
| Credit loss provision to net charge-offs | 320.8556% | 1,242 |
| Earnings coverage of net charge-offs (x) | 7.7112% | 2,052 |
| Efficiency ratio | 66.7482% | 4,963 |
| Assets per employee ($millions) | 5.0645% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6141% | 1,164 |
| Loan loss allowance to noncurrent loans | 154.5729% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.2113% | 4,751 |
| Noncurrent loans to loans | 1.6911% | 4,207 |
| Net loans and leases to total assets | 56.9656% | 5,613 |
| Net loans and leases to deposits | 65.5863% | 5,867 |
| Net loans and leases to core deposits | 72.2843% | 5,677 |
| Total domestic deposits to total assets | 86.8559% | 2,706 |
| Equity capital to assets | 9.9574% | 3,921 |
| Core capital (leverage) ratio | 8.3720% | 5,606 |
| Tier 1 risk-based capital ratio | 10.5470% | 6,591 |
| Total risk-based capital ratio | 12.3996% | 5,972 |
| Memoranda: | ||
| Average total assets | $1,961,446,000 | 362 |
| Average earning assets | $1,747,649,000 | 367 |
| Average equity | $194,840,500 | 358 |
| Average total loans | $1,179,406,500 | 404 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5546% | 3,843 |
| Cost of funding earning assets | 0.9459% | 7,315 |
| Net interest margin | 4.6088% | 966 |
| Noninterest income to average assets | 0.8172% | 2,321 |
| Noninterest expense to average assets | 3.3353% | 2,889 |
| Loan and lease loss provision to assets | 0.7428% | 2,880 |
| Net operating income to assets | 0.6763% | 3,030 |
| Return on assets (ROA) | 0.4357% | 4,104 |
| Pretax return on assets | 0.5257% | 4,118 |
| Return on Equity (ROE) | 4.3111% | 3,958 |
| Retained earnings to average equity (ytd only) | 3.2893% | 2,864 |
| Net charge-offs to loans | 1.0382% | 2,336 |
| Credit loss provision to net charge-offs | 103.3951% | 5,340 |
| Earnings coverage of net charge-offs (x) | 2.1691% | 4,093 |
| Efficiency ratio | 67.6533% | 5,069 |
| Assets per employee ($millions) | 4.9435% | 2,290 |
| Cash dividends to net income (ytd only)* | 23.7023% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3380% | 1,422 |
| Loan loss allowance to noncurrent loans | 172.2709% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9868% | 5,135 |
| Noncurrent loans to loans | 1.3572% | 4,655 |
| Net loans and leases to total assets | 60.3426% | 5,283 |
| Net loans and leases to deposits | 69.4370% | 5,677 |
| Net loans and leases to core deposits | 87.6078% | 5,371 |
| Total domestic deposits to total assets | 86.9027% | 2,564 |
| Equity capital to assets | 9.9093% | 3,886 |
| Core capital (leverage) ratio | 8.4117% | 5,415 |
| Tier 1 risk-based capital ratio | 10.0394% | 6,836 |
| Total risk-based capital ratio | 11.8177% | 6,312 |
| Memoranda: | ||
| Average total assets | $1,803,935,400 | 395 |
| Average earning assets | $1,595,593,600 | 397 |
| Average equity | $182,319,200 | 376 |
| Average total loans | $1,248,362,000 | 393 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6930% | 3,374 |
| Cost of funding earning assets | 1.0088% | 7,370 |
| Net interest margin | 4.6842% | 860 |
| Noninterest income to average assets | 0.8270% | 2,303 |
| Noninterest expense to average assets | 3.3738% | 2,654 |
| Loan and lease loss provision to assets | 0.5581% | 3,157 |
| Net operating income to assets | 0.7261% | 3,116 |
| Return on assets (ROA) | 0.7656% | 3,022 |
| Pretax return on assets | 1.0909% | 2,611 |
| Return on Equity (ROE) | 7.5346% | 2,852 |
| Retained earnings to average equity (ytd only) | 6.7048% | 1,630 |
| Net charge-offs to loans | 1.0147% | 1,944 |
| Credit loss provision to net charge-offs | 77.1959% | 5,828 |
| Earnings coverage of net charge-offs (x) | 2.2029% | 4,168 |
| Efficiency ratio | 67.4781% | 5,074 |
| Assets per employee ($millions) | 4.7319% | 2,505 |
| Cash dividends to net income (ytd only)* | 11.0126% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 1,651 |
| Loan loss allowance to noncurrent loans | 104.2201% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.4121% | 4,279 |
| Noncurrent loans to loans | 1.9851% | 3,663 |
| Net loans and leases to total assets | 63.6406% | 4,944 |
| Net loans and leases to deposits | 73.4000% | 5,461 |
| Net loans and leases to core deposits | 95.4755% | 4,869 |
| Total domestic deposits to total assets | 86.7038% | 2,329 |
| Equity capital to assets | 10.0092% | 4,075 |
| Core capital (leverage) ratio | 8.9371% | 4,753 |
| Tier 1 risk-based capital ratio | 10.9717% | 5,979 |
| Total risk-based capital ratio | 12.3821% | 5,776 |
| Memoranda: | ||
| Average total assets | $1,767,988,500 | 414 |
| Average earning assets | $1,562,330,750 | 419 |
| Average equity | $179,647,500 | 391 |
| Average total loans | $1,259,591,500 | 409 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8400% | 2,848 |
| Cost of funding earning assets | 1.0509% | 7,461 |
| Net interest margin | 4.7891% | 665 |
| Noninterest income to average assets | 0.7789% | 2,527 |
| Noninterest expense to average assets | 3.5702% | 2,143 |
| Loan and lease loss provision to assets | 0.5566% | 2,790 |
| Net operating income to assets | 0.6062% | 3,651 |
| Return on assets (ROA) | 0.6670% | 3,510 |
| Pretax return on assets | 0.9520% | 3,170 |
| Return on Equity (ROE) | 6.5281% | 3,421 |
| Retained earnings to average equity (ytd only) | 5.2593% | 2,366 |
| Net charge-offs to loans | 0.4828% | 2,899 |
| Credit loss provision to net charge-offs | 156.7603% | 2,932 |
| Earnings coverage of net charge-offs (x) | 4.0042% | 3,242 |
| Efficiency ratio | 71.0785% | 4,579 |
| Assets per employee ($millions) | 4.3620% | 3,008 |
| Cash dividends to net income (ytd only)* | 19.4367% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3265% | 1,071 |
| Loan loss allowance to noncurrent loans | 93.9455% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.8034% | 3,471 |
| Noncurrent loans to loans | 2.4765% | 2,927 |
| Net loans and leases to total assets | 71.0026% | 3,463 |
| Net loans and leases to deposits | 82.3977% | 4,158 |
| Net loans and leases to core deposits | 109.1590% | 3,475 |
| Total domestic deposits to total assets | 86.1706% | 2,693 |
| Equity capital to assets | 10.3070% | 3,614 |
| Core capital (leverage) ratio | 9.1177% | 4,432 |
| Tier 1 risk-based capital ratio | 10.6406% | 6,244 |
| Total risk-based capital ratio | 11.9001% | 6,167 |
| Memoranda: | ||
| Average total assets | $1,724,822,670 | 431 |
| Average earning assets | $1,517,365,670 | 440 |
| Average equity | $176,222,330 | 402 |
| Average total loans | $1,268,427,670 | 418 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9001% | 2,795 |
| Cost of funding earning assets | 1.1095% | 7,502 |
| Net interest margin | 4.7906% | 625 |
| Noninterest income to average assets | 0.6891% | 2,955 |
| Noninterest expense to average assets | 3.4742% | 2,163 |
| Loan and lease loss provision to assets | 0.5591% | 2,243 |
| Net operating income to assets | 0.5641% | 4,166 |
| Return on assets (ROA) | 0.6150% | 4,149 |
| Pretax return on assets | 0.9356% | 3,579 |
| Return on Equity (ROE) | 6.0467% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.0467% | 2,602 |
| Net charge-offs to loans | 0.3972% | 2,508 |
| Credit loss provision to net charge-offs | 190.3251% | 2,311 |
| Earnings coverage of net charge-offs (x) | 4.8255% | 2,805 |
| Efficiency ratio | 70.5686% | 4,462 |
| Assets per employee ($millions) | 4.2329% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3182% | 924 |
| Loan loss allowance to noncurrent loans | 96.0976% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.7547% | 3,291 |
| Noncurrent loans to loans | 2.4123% | 2,732 |
| Net loans and leases to total assets | 71.0538% | 3,453 |
| Net loans and leases to deposits | 81.7877% | 4,320 |
| Net loans and leases to core deposits | 107.2275% | 3,770 |
| Total domestic deposits to total assets | 86.8759% | 2,280 |
| Equity capital to assets | 9.9863% | 4,020 |
| Core capital (leverage) ratio | 8.8111% | 4,961 |
| Tier 1 risk-based capital ratio | 10.2022% | 6,718 |
| Total risk-based capital ratio | 11.4617% | 6,617 |
| Memoranda: | ||
| Average total assets | $1,717,012,500 | 427 |
| Average earning assets | $1,506,282,000 | 443 |
| Average equity | $174,639,500 | 413 |
| Average total loans | $1,270,044,000 | 419 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4678% | 3,128 |
| Cost of funding earning assets | 1.6536% | 7,346 |
| Net interest margin | 4.8142% | 760 |
| Noninterest income to average assets | 0.7600% | 2,721 |
| Noninterest expense to average assets | 3.3194% | 2,903 |
| Loan and lease loss provision to assets | 0.2545% | 4,376 |
| Net operating income to assets | 0.9442% | 2,814 |
| Return on assets (ROA) | 0.6983% | 3,735 |
| Pretax return on assets | 1.0636% | 3,168 |
| Return on Equity (ROE) | 5.7183% | 4,059 |
| Retained earnings to average equity (ytd only) | -1.5298% | 5,747 |
| Net charge-offs to loans | 1.3039% | 917 |
| Credit loss provision to net charge-offs | 27.6957% | 6,544 |
| Earnings coverage of net charge-offs (x) | 1.8401% | 5,152 |
| Efficiency ratio | 65.5681% | 5,210 |
| Assets per employee ($millions) | 4.2254% | 3,069 |
| Cash dividends to net income (ytd only)* | 126.7530% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1368% | 1,017 |
| Loan loss allowance to noncurrent loans | 91.9586% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.7471% | 2,799 |
| Noncurrent loans to loans | 2.3237% | 2,381 |
| Net loans and leases to total assets | 73.5799% | 3,211 |
| Net loans and leases to deposits | 88.1673% | 3,773 |
| Net loans and leases to core deposits | 116.6453% | 3,049 |
| Total domestic deposits to total assets | 83.4550% | 3,587 |
| Equity capital to assets | 10.3544% | 3,660 |
| Core capital (leverage) ratio | 9.0858% | 4,617 |
| Tier 1 risk-based capital ratio | 9.3527% | 7,457 |
| Total risk-based capital ratio | 10.6389% | 7,347 |
| Memoranda: | ||
| Average total assets | $1,768,485,400 | 403 |
| Average earning assets | $1,561,233,000 | 409 |
| Average equity | $215,971,800 | 347 |
| Average total loans | $1,246,085,600 | 412 |