Home > Bankers Trust Company > Performance and Condition Ratios
Bankers Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 1,490 |
| Cost of funding earning assets | 2.5049% | 358 |
| Net interest margin | 2.7978% | 3,672 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.0048% | 3,615 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.9926% | 2,247 |
| Return on assets (ROA) | 0.9892% | 2,232 |
| Pretax return on assets | 1.2124% | 2,109 |
| Return on Equity (ROE) | 12.0000% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.9107% | 808 |
| Net charge-offs to loans | 0.0844% | 1,017 |
| Credit loss provision to net charge-offs | 155.9127% | 1,437 |
| Earnings coverage of net charge-offs (x) | 19.7827% | 1,891 |
| Efficiency ratio | 60.5996% | 3,013 |
| Assets per employee ($millions) | 11.4764% | 471 |
| Cash dividends to net income (ytd only)* | 9.0430% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 1,376 |
| Loan loss allowance to noncurrent loans | 496.0576% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 2,105 |
| Noncurrent loans to loans | 0.2834% | 2,170 |
| Net loans and leases to total assets | 76.5000% | 1,053 |
| Net loans and leases to deposits | 99.9575% | 540 |
| Net loans and leases to core deposits | 116.6476% | 729 |
| Total domestic deposits to total assets | 76.5300% | 3,892 |
| Equity capital to assets | 8.6123% | 2,960 |
| Core capital (leverage) ratio | 10.0427% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2769% | 2,769 |
| Memoranda: | ||
| Average total assets | $6,327,337,200 | 233 |
| Average earning assets | $5,850,448,600 | 227 |
| Average equity | $521,781,800 | 253 |
| Average total loans | $4,936,920,200 | 204 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2349% | 1,387 |
| Cost of funding earning assets | 2.3761% | 348 |
| Net interest margin | 2.8589% | 3,620 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.0312% | 3,515 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.0026% | 2,358 |
| Return on assets (ROA) | 1.0076% | 2,331 |
| Pretax return on assets | 1.2293% | 2,228 |
| Return on Equity (ROE) | 12.3600% | 2,037 |
| Retained earnings to average equity (ytd only) | 11.6238% | 1,041 |
| Net charge-offs to loans | 0.0550% | 1,119 |
| Credit loss provision to net charge-offs | 223.2143% | 1,050 |
| Earnings coverage of net charge-offs (x) | 30.7188% | 1,582 |
| Efficiency ratio | 60.6273% | 2,896 |
| Assets per employee ($millions) | 11.3195% | 466 |
| Cash dividends to net income (ytd only)* | 5.9825% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,369 |
| Loan loss allowance to noncurrent loans | 563.2204% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 2,281 |
| Noncurrent loans to loans | 0.2522% | 2,333 |
| Net loans and leases to total assets | 77.0500% | 988 |
| Net loans and leases to deposits | 101.6199% | 449 |
| Net loans and leases to core deposits | 123.3000% | 476 |
| Total domestic deposits to total assets | 75.8200% | 4,026 |
| Equity capital to assets | 7.7818% | 3,191 |
| Core capital (leverage) ratio | 9.9575% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2145% | 2,782 |
| Memoranda: | ||
| Average total assets | $6,259,443,750 | 235 |
| Average earning assets | $5,780,220,750 | 233 |
| Average equity | $510,147,000 | 259 |
| Average total loans | $4,891,090,500 | 205 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 1,368 |
| Cost of funding earning assets | 2.1319% | 392 |
| Net interest margin | 2.9705% | 3,509 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.0399% | 3,491 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.0659% | 2,221 |
| Return on assets (ROA) | 1.0676% | 2,213 |
| Pretax return on assets | 1.3151% | 2,037 |
| Return on Equity (ROE) | 12.9000% | 1,921 |
| Retained earnings to average equity (ytd only) | 12.3426% | 921 |
| Net charge-offs to loans | -0.0106% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.8518% | 3,094 |
| Assets per employee ($millions) | 11.3142% | 471 |
| Cash dividends to net income (ytd only)* | 4.2890% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 1,269 |
| Loan loss allowance to noncurrent loans | 549.7491% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,136 |
| Noncurrent loans to loans | 0.2679% | 2,196 |
| Net loans and leases to total assets | 77.6300% | 874 |
| Net loans and leases to deposits | 105.3263% | 328 |
| Net loans and leases to core deposits | 121.3277% | 483 |
| Total domestic deposits to total assets | 73.7100% | 4,214 |
| Equity capital to assets | 8.2600% | 3,048 |
| Core capital (leverage) ratio | 10.1001% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2961% | 2,799 |
| Memoranda: | ||
| Average total assets | $6,180,129,667 | 234 |
| Average earning assets | $5,717,658,333 | 231 |
| Average equity | $511,659,000 | 253 |
| Average total loans | $4,828,627,000 | 202 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 1,304 |
| Cost of funding earning assets | 1.8176% | 436 |
| Net interest margin | 3.1428% | 3,252 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.0487% | 3,503 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.1537% | 2,055 |
| Return on assets (ROA) | 1.1561% | 2,018 |
| Pretax return on assets | 1.4211% | 1,835 |
| Return on Equity (ROE) | 13.9500% | 1,784 |
| Retained earnings to average equity (ytd only) | 13.9480% | 948 |
| Net charge-offs to loans | -0.0059% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.4298% | 3,362 |
| Assets per employee ($millions) | 10.9525% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 1,200 |
| Loan loss allowance to noncurrent loans | 17,699.0196% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 3,814 |
| Noncurrent loans to loans | 0.0086% | 3,770 |
| Net loans and leases to total assets | 76.6700% | 909 |
| Net loans and leases to deposits | 102.7224% | 337 |
| Net loans and leases to core deposits | 112.4225% | 630 |
| Total domestic deposits to total assets | 74.6400% | 4,255 |
| Equity capital to assets | 8.4960% | 2,895 |
| Core capital (leverage) ratio | 10.0335% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4029% | 2,882 |
| Memoranda: | ||
| Average total assets | $6,107,862,000 | 243 |
| Average earning assets | $5,654,561,500 | 239 |
| Average equity | $506,279,500 | 260 |
| Average total loans | $4,751,269,500 | 210 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7555% | 2,394 |
| Cost of funding earning assets | 0.6433% | 745 |
| Net interest margin | 3.1122% | 3,144 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.0279% | 3,508 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.1033% | 2,161 |
| Return on assets (ROA) | 1.0931% | 2,145 |
| Pretax return on assets | 1.4139% | 1,728 |
| Return on Equity (ROE) | 12.7900% | 1,882 |
| Retained earnings to average equity (ytd only) | 11.6640% | 742 |
| Net charge-offs to loans | -0.0158% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.0464% | 3,580 |
| Assets per employee ($millions) | 11.0785% | 493 |
| Cash dividends to net income (ytd only)* | 8.8272% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,300 |
| Loan loss allowance to noncurrent loans | 14,968.9655% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,149 |
| Noncurrent loans to loans | 0.0098% | 3,778 |
| Net loans and leases to total assets | 76.5800% | 950 |
| Net loans and leases to deposits | 97.7047% | 537 |
| Net loans and leases to core deposits | 103.9264% | 822 |
| Total domestic deposits to total assets | 78.3800% | 4,060 |
| Equity capital to assets | 8.0817% | 3,010 |
| Core capital (leverage) ratio | 9.7532% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0371% | 2,966 |
| Memoranda: | ||
| Average total assets | $5,865,671,200 | 245 |
| Average earning assets | $5,471,920,200 | 238 |
| Average equity | $501,202,400 | 263 |
| Average total loans | $4,339,580,600 | 216 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3955% | 2,931 |
| Cost of funding earning assets | 0.3654% | 1,562 |
| Net interest margin | 3.0301% | 3,143 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.0190% | 3,430 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.0742% | 2,190 |
| Return on assets (ROA) | 1.0620% | 2,204 |
| Pretax return on assets | 1.3880% | 1,750 |
| Return on Equity (ROE) | 12.2500% | 1,955 |
| Retained earnings to average equity (ytd only) | 11.5049% | 918 |
| Net charge-offs to loans | -0.0233% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.5288% | 3,568 |
| Assets per employee ($millions) | 10.8343% | 521 |
| Cash dividends to net income (ytd only)* | 6.1192% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,470 |
| Loan loss allowance to noncurrent loans | 8,926.2097% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,161 |
| Noncurrent loans to loans | 0.0162% | 3,810 |
| Net loans and leases to total assets | 76.6200% | 848 |
| Net loans and leases to deposits | 99.8249% | 366 |
| Net loans and leases to core deposits | 103.5438% | 671 |
| Total domestic deposits to total assets | 76.7600% | 4,332 |
| Equity capital to assets | 7.8082% | 3,018 |
| Core capital (leverage) ratio | 10.1939% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2347% | 3,002 |
| Memoranda: | ||
| Average total assets | $5,806,030,250 | 247 |
| Average earning assets | $5,432,141,250 | 241 |
| Average equity | $503,170,750 | 267 |
| Average total loans | $4,238,389,250 | 216 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0684% | 3,378 |
| Cost of funding earning assets | 0.2035% | 2,867 |
| Net interest margin | 2.8650% | 3,256 |
| Noninterest income to average assets | 0.7453% | 1,184 |
| Noninterest expense to average assets | 1.9924% | 3,446 |
| Loan and lease loss provision to assets | 0.1317% | 733 |
| Net operating income to assets | 1.0147% | 2,102 |
| Return on assets (ROA) | 1.0148% | 2,072 |
| Pretax return on assets | 1.3217% | 1,678 |
| Return on Equity (ROE) | 11.3265% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.7791% | 827 |
| Net charge-offs to loans | 0.0638% | 774 |
| Credit loss provision to net charge-offs | 289.4136% | 813 |
| Earnings coverage of net charge-offs (x) | 31.9284% | 1,364 |
| Efficiency ratio | 57.8241% | 3,585 |
| Assets per employee ($millions) | 10.8071% | 528 |
| Cash dividends to net income (ytd only)* | 4.8335% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,676 |
| Loan loss allowance to noncurrent loans | 15,609.6203% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 2,900 |
| Noncurrent loans to loans | 0.0091% | 3,926 |
| Net loans and leases to total assets | 76.2360% | 706 |
| Net loans and leases to deposits | 96.7003% | 398 |
| Net loans and leases to core deposits | 99.8720% | 674 |
| Total domestic deposits to total assets | 78.8374% | 4,304 |
| Equity capital to assets | 8.6799% | 2,629 |
| Core capital (leverage) ratio | 10.0446% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6175% | 2,907 |
| Memoranda: | ||
| Average total assets | $5,769,530,000 | 246 |
| Average earning assets | $5,437,929,000 | 240 |
| Average equity | $516,928,333 | 261 |
| Average total loans | $4,118,166,000 | 219 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8436% | 3,656 |
| Cost of funding earning assets | 0.1632% | 3,322 |
| Net interest margin | 2.6803% | 3,448 |
| Noninterest income to average assets | 0.6889% | 1,350 |
| Noninterest expense to average assets | 1.9836% | 3,472 |
| Loan and lease loss provision to assets | 0.1300% | 628 |
| Net operating income to assets | 0.8951% | 2,285 |
| Return on assets (ROA) | 0.8951% | 2,288 |
| Pretax return on assets | 1.1196% | 2,078 |
| Return on Equity (ROE) | 9.8424% | 2,025 |
| Retained earnings to average equity (ytd only) | 8.7774% | 1,337 |
| Net charge-offs to loans | -0.1773% | 4,582 |
| Credit loss provision to net charge-offs | -107.0423% | 2,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3493% | 3,342 |
| Assets per employee ($millions) | 11.0000% | 510 |
| Cash dividends to net income (ytd only)* | 10.8197% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 1,393 |
| Loan loss allowance to noncurrent loans | 1,780.8444% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 2,605 |
| Noncurrent loans to loans | 0.0873% | 3,403 |
| Net loans and leases to total assets | 69.9754% | 1,028 |
| Net loans and leases to deposits | 83.5139% | 919 |
| Net loans and leases to core deposits | 86.6116% | 1,097 |
| Total domestic deposits to total assets | 83.7889% | 3,804 |
| Equity capital to assets | 8.9385% | 2,763 |
| Core capital (leverage) ratio | 9.3891% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1880% | 2,848 |
| Memoranda: | ||
| Average total assets | $5,844,438,000 | 249 |
| Average earning assets | $5,547,797,500 | 237 |
| Average equity | $531,498,500 | 263 |
| Average total loans | $4,004,297,500 | 221 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8692% | 4,106 |
| Cost of funding earning assets | 0.3382% | 2,039 |
| Net interest margin | 2.5310% | 4,149 |
| Noninterest income to average assets | 0.6673% | 1,878 |
| Noninterest expense to average assets | 1.9025% | 3,918 |
| Loan and lease loss provision to assets | 0.1095% | 1,152 |
| Net operating income to assets | 0.8570% | 3,166 |
| Return on assets (ROA) | 0.8588% | 3,227 |
| Pretax return on assets | 1.0664% | 3,081 |
| Return on Equity (ROE) | 9.3137% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.2637% | 1,437 |
| Net charge-offs to loans | 0.1100% | 804 |
| Credit loss provision to net charge-offs | 146.7553% | 1,504 |
| Earnings coverage of net charge-offs (x) | 15.7342% | 1,996 |
| Efficiency ratio | 61.8445% | 2,891 |
| Assets per employee ($millions) | 11.5866% | 440 |
| Cash dividends to net income (ytd only)* | 11.2738% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,585 |
| Loan loss allowance to noncurrent loans | 1,634.5580% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 2,818 |
| Noncurrent loans to loans | 0.0913% | 3,470 |
| Net loans and leases to total assets | 65.0976% | 1,570 |
| Net loans and leases to deposits | 77.7737% | 1,416 |
| Net loans and leases to core deposits | 80.6732% | 1,543 |
| Total domestic deposits to total assets | 83.7013% | 3,639 |
| Equity capital to assets | 9.2415% | 3,378 |
| Core capital (leverage) ratio | 8.9166% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1383% | 2,857 |
| Memoranda: | ||
| Average total assets | $5,845,980,400 | 237 |
| Average earning assets | $5,563,974,800 | 227 |
| Average equity | $539,044,800 | 261 |
| Average total loans | $3,964,475,800 | 220 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8533% | 4,232 |
| Cost of funding earning assets | 0.3377% | 2,223 |
| Net interest margin | 2.5156% | 4,245 |
| Noninterest income to average assets | 0.7060% | 1,806 |
| Noninterest expense to average assets | 1.9234% | 3,885 |
| Loan and lease loss provision to assets | 0.1072% | 1,128 |
| Net operating income to assets | 0.8565% | 3,369 |
| Return on assets (ROA) | 0.8588% | 3,422 |
| Pretax return on assets | 1.0693% | 3,271 |
| Return on Equity (ROE) | 9.3197% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.6146% | 1,828 |
| Net charge-offs to loans | 0.0936% | 775 |
| Credit loss provision to net charge-offs | 167.8045% | 1,290 |
| Earnings coverage of net charge-offs (x) | 18.3669% | 1,787 |
| Efficiency ratio | 62.1050% | 2,679 |
| Assets per employee ($millions) | 11.6637% | 413 |
| Cash dividends to net income (ytd only)* | 7.5656% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,594 |
| Loan loss allowance to noncurrent loans | 841.0859% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 2,740 |
| Noncurrent loans to loans | 0.1796% | 3,231 |
| Net loans and leases to total assets | 65.9662% | 1,554 |
| Net loans and leases to deposits | 79.7123% | 1,318 |
| Net loans and leases to core deposits | 83.1761% | 1,482 |
| Total domestic deposits to total assets | 82.7553% | 3,767 |
| Equity capital to assets | 9.4008% | 3,469 |
| Core capital (leverage) ratio | 9.1497% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4369% | 2,878 |
| Memoranda: | ||
| Average total assets | $5,807,011,000 | 242 |
| Average earning assets | $5,519,327,250 | 230 |
| Average equity | $535,140,750 | 262 |
| Average total loans | $3,964,035,500 | 221 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8351% | 4,301 |
| Cost of funding earning assets | 0.2972% | 2,799 |
| Net interest margin | 2.5379% | 4,262 |
| Noninterest income to average assets | 0.6967% | 1,819 |
| Noninterest expense to average assets | 1.9336% | 3,880 |
| Loan and lease loss provision to assets | 0.1035% | 1,220 |
| Net operating income to assets | 0.8577% | 3,343 |
| Return on assets (ROA) | 0.8583% | 3,417 |
| Pretax return on assets | 1.0754% | 3,287 |
| Return on Equity (ROE) | 9.3765% | 2,985 |
| Retained earnings to average equity (ytd only) | 8.8433% | 1,759 |
| Net charge-offs to loans | 0.1376% | 581 |
| Credit loss provision to net charge-offs | 109.4891% | 1,310 |
| Earnings coverage of net charge-offs (x) | 12.4668% | 1,721 |
| Efficiency ratio | 62.1389% | 2,710 |
| Assets per employee ($millions) | 11.0121% | 454 |
| Cash dividends to net income (ytd only)* | 5.6864% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 1,705 |
| Loan loss allowance to noncurrent loans | 1,188.4862% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 3,212 |
| Noncurrent loans to loans | 0.1232% | 3,574 |
| Net loans and leases to total assets | 66.9141% | 1,595 |
| Net loans and leases to deposits | 82.1928% | 1,205 |
| Net loans and leases to core deposits | 86.2807% | 1,394 |
| Total domestic deposits to total assets | 81.4112% | 4,027 |
| Equity capital to assets | 9.3639% | 3,458 |
| Core capital (leverage) ratio | 8.9281% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3269% | 2,895 |
| Memoranda: | ||
| Average total assets | $5,798,732,000 | 237 |
| Average earning assets | $5,518,092,667 | 228 |
| Average equity | $530,774,667 | 261 |
| Average total loans | $3,983,358,667 | 222 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8248% | 4,350 |
| Cost of funding earning assets | 0.2810% | 3,181 |
| Net interest margin | 2.5438% | 4,238 |
| Noninterest income to average assets | 0.7171% | 1,817 |
| Noninterest expense to average assets | 1.9194% | 3,938 |
| Loan and lease loss provision to assets | 0.1032% | 1,316 |
| Net operating income to assets | 0.8924% | 3,145 |
| Return on assets (ROA) | 0.8924% | 3,228 |
| Pretax return on assets | 1.1192% | 3,068 |
| Return on Equity (ROE) | 9.8624% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.7863% | 2,020 |
| Net charge-offs to loans | 0.0014% | 1,885 |
| Credit loss provision to net charge-offs | 10,714.2857% | 54 |
| Earnings coverage of net charge-offs (x) | 1,268.8571% | 69 |
| Efficiency ratio | 61.0925% | 2,898 |
| Assets per employee ($millions) | 11.2309% | 417 |
| Cash dividends to net income (ytd only)* | 10.9106% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,702 |
| Loan loss allowance to noncurrent loans | 1,157.0865% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 3,718 |
| Noncurrent loans to loans | 0.1270% | 3,672 |
| Net loans and leases to total assets | 67.4024% | 1,608 |
| Net loans and leases to deposits | 82.9079% | 1,258 |
| Net loans and leases to core deposits | 87.5958% | 1,400 |
| Total domestic deposits to total assets | 81.2980% | 4,014 |
| Equity capital to assets | 9.0421% | 3,637 |
| Core capital (leverage) ratio | 8.7927% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4334% | 2,831 |
| Memoranda: | ||
| Average total assets | $5,812,929,000 | 239 |
| Average earning assets | $5,540,739,000 | 227 |
| Average equity | $525,998,500 | 262 |
| Average total loans | $4,015,756,500 | 224 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5393% | 3,942 |
| Cost of funding earning assets | 0.5951% | 2,350 |
| Net interest margin | 2.9442% | 4,024 |
| Noninterest income to average assets | 0.6884% | 1,899 |
| Noninterest expense to average assets | 2.0509% | 4,037 |
| Loan and lease loss provision to assets | 0.3766% | 864 |
| Net operating income to assets | 0.8781% | 2,794 |
| Return on assets (ROA) | 0.8850% | 2,901 |
| Pretax return on assets | 1.0523% | 2,871 |
| Return on Equity (ROE) | 9.3410% | 2,265 |
| Retained earnings to average equity (ytd only) | 4.0103% | 2,813 |
| Net charge-offs to loans | 0.4514% | 366 |
| Credit loss provision to net charge-offs | 109.9021% | 2,725 |
| Earnings coverage of net charge-offs (x) | 4.1458% | 3,020 |
| Efficiency ratio | 59.0779% | 3,581 |
| Assets per employee ($millions) | 11.0209% | 397 |
| Cash dividends to net income (ytd only)* | 57.0676% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,924 |
| Loan loss allowance to noncurrent loans | 152.4252% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 1,599 |
| Noncurrent loans to loans | 0.9268% | 1,517 |
| Net loans and leases to total assets | 68.7764% | 1,723 |
| Net loans and leases to deposits | 84.9625% | 1,362 |
| Net loans and leases to core deposits | 90.8244% | 1,468 |
| Total domestic deposits to total assets | 80.9492% | 3,880 |
| Equity capital to assets | 9.0554% | 4,008 |
| Core capital (leverage) ratio | 8.4365% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9636% | 2,931 |
| Memoranda: | ||
| Average total assets | $5,363,685,600 | 236 |
| Average earning assets | $5,070,487,600 | 230 |
| Average equity | $508,191,400 | 255 |
| Average total loans | $4,071,775,600 | 219 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 3,857 |
| Cost of funding earning assets | 0.6550% | 2,298 |
| Net interest margin | 3.0149% | 3,940 |
| Noninterest income to average assets | 0.7145% | 1,752 |
| Noninterest expense to average assets | 2.0973% | 3,952 |
| Loan and lease loss provision to assets | 0.3222% | 1,222 |
| Net operating income to assets | 0.9375% | 2,575 |
| Return on assets (ROA) | 0.9459% | 2,668 |
| Pretax return on assets | 1.1534% | 2,555 |
| Return on Equity (ROE) | 9.8634% | 2,061 |
| Retained earnings to average equity (ytd only) | 5.4297% | 2,362 |
| Net charge-offs to loans | 0.1089% | 1,247 |
| Credit loss provision to net charge-offs | 381.3814% | 1,517 |
| Earnings coverage of net charge-offs (x) | 17.3447% | 2,022 |
| Efficiency ratio | 58.8691% | 3,540 |
| Assets per employee ($millions) | 10.8228% | 400 |
| Cash dividends to net income (ytd only)* | 44.9511% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,329 |
| Loan loss allowance to noncurrent loans | 843.5316% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 3,469 |
| Noncurrent loans to loans | 0.1801% | 3,662 |
| Net loans and leases to total assets | 74.5196% | 1,307 |
| Net loans and leases to deposits | 94.2665% | 904 |
| Net loans and leases to core deposits | 100.8694% | 1,102 |
| Total domestic deposits to total assets | 79.0521% | 4,052 |
| Equity capital to assets | 9.3131% | 3,850 |
| Core capital (leverage) ratio | 9.0376% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7061% | 2,988 |
| Memoranda: | ||
| Average total assets | $5,255,357,500 | 237 |
| Average earning assets | $4,964,735,500 | 230 |
| Average equity | $504,003,250 | 254 |
| Average total loans | $4,078,694,250 | 219 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 3,770 |
| Cost of funding earning assets | 0.7655% | 2,017 |
| Net interest margin | 3.0713% | 3,965 |
| Noninterest income to average assets | 0.7462% | 1,589 |
| Noninterest expense to average assets | 2.1369% | 3,957 |
| Loan and lease loss provision to assets | 0.3352% | 1,276 |
| Net operating income to assets | 0.9330% | 2,564 |
| Return on assets (ROA) | 0.9366% | 2,681 |
| Pretax return on assets | 1.1781% | 2,437 |
| Return on Equity (ROE) | 9.6643% | 2,091 |
| Retained earnings to average equity (ytd only) | 3.4929% | 3,184 |
| Net charge-offs to loans | 0.1670% | 890 |
| Credit loss provision to net charge-offs | 256.3338% | 1,735 |
| Earnings coverage of net charge-offs (x) | 11.5380% | 2,095 |
| Efficiency ratio | 58.6140% | 3,607 |
| Assets per employee ($millions) | 10.0135% | 500 |
| Cash dividends to net income (ytd only)* | 63.8577% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 1,427 |
| Loan loss allowance to noncurrent loans | 777.4811% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 3,509 |
| Noncurrent loans to loans | 0.1859% | 3,715 |
| Net loans and leases to total assets | 76.2447% | 1,097 |
| Net loans and leases to deposits | 95.8441% | 813 |
| Net loans and leases to core deposits | 104.1819% | 989 |
| Total domestic deposits to total assets | 79.5508% | 3,929 |
| Equity capital to assets | 9.4609% | 3,695 |
| Core capital (leverage) ratio | 9.1923% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6134% | 3,064 |
| Memoranda: | ||
| Average total assets | $5,131,193,667 | 242 |
| Average earning assets | $4,844,207,667 | 233 |
| Average equity | $497,296,000 | 257 |
| Average total loans | $4,018,747,667 | 221 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 3,516 |
| Cost of funding earning assets | 0.9625% | 1,594 |
| Net interest margin | 3.1407% | 4,007 |
| Noninterest income to average assets | 0.8223% | 1,247 |
| Noninterest expense to average assets | 2.2118% | 3,979 |
| Loan and lease loss provision to assets | 0.2767% | 1,127 |
| Net operating income to assets | 1.0233% | 2,103 |
| Return on assets (ROA) | 1.0306% | 2,173 |
| Pretax return on assets | 1.3081% | 1,851 |
| Return on Equity (ROE) | 10.4983% | 1,576 |
| Retained earnings to average equity (ytd only) | -2.0364% | 4,258 |
| Net charge-offs to loans | 0.2214% | 636 |
| Credit loss provision to net charge-offs | 158.4750% | 1,555 |
| Earnings coverage of net charge-offs (x) | 9.0248% | 1,838 |
| Efficiency ratio | 58.4006% | 3,950 |
| Assets per employee ($millions) | 9.0811% | 522 |
| Cash dividends to net income (ytd only)* | 119.3978% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 1,604 |
| Loan loss allowance to noncurrent loans | 677.5835% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 3,507 |
| Noncurrent loans to loans | 0.2105% | 3,721 |
| Net loans and leases to total assets | 78.2793% | 932 |
| Net loans and leases to deposits | 99.2604% | 602 |
| Net loans and leases to core deposits | 108.6777% | 913 |
| Total domestic deposits to total assets | 78.8626% | 4,077 |
| Equity capital to assets | 9.8143% | 3,947 |
| Core capital (leverage) ratio | 9.5583% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3333% | 3,266 |
| Memoranda: | ||
| Average total assets | $4,988,149,500 | 244 |
| Average earning assets | $4,709,175,000 | 231 |
| Average equity | $489,681,500 | 262 |
| Average total loans | $3,932,646,500 | 219 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6352% | 2,508 |
| Cost of funding earning assets | 1.2234% | 964 |
| Net interest margin | 3.4117% | 3,715 |
| Noninterest income to average assets | 0.7850% | 1,490 |
| Noninterest expense to average assets | 2.2417% | 4,083 |
| Loan and lease loss provision to assets | 0.0918% | 2,197 |
| Net operating income to assets | 1.3048% | 1,673 |
| Return on assets (ROA) | 1.3298% | 1,664 |
| Pretax return on assets | 1.7167% | 1,147 |
| Return on Equity (ROE) | 13.6754% | 965 |
| Retained earnings to average equity (ytd only) | 10.7536% | 371 |
| Net charge-offs to loans | 0.1442% | 1,360 |
| Credit loss provision to net charge-offs | 79.3217% | 2,803 |
| Earnings coverage of net charge-offs (x) | 15.3554% | 2,235 |
| Efficiency ratio | 55.7828% | 4,231 |
| Assets per employee ($millions) | 9.1240% | 480 |
| Cash dividends to net income (ytd only)* | 21.3653% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 1,458 |
| Loan loss allowance to noncurrent loans | 1,536.0178% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 3,938 |
| Noncurrent loans to loans | 0.0924% | 4,154 |
| Net loans and leases to total assets | 77.1555% | 1,234 |
| Net loans and leases to deposits | 98.9096% | 679 |
| Net loans and leases to core deposits | 109.8027% | 863 |
| Total domestic deposits to total assets | 78.0061% | 4,358 |
| Equity capital to assets | 9.8195% | 4,087 |
| Core capital (leverage) ratio | 9.4754% | 4,087 |
| Tier 1 risk-based capital ratio | 10.3738% | 5,057 |
| Total risk-based capital ratio | 11.6240% | 4,991 |
| Memoranda: | ||
| Average total assets | $4,738,992,400 | 241 |
| Average earning assets | $4,491,627,800 | 231 |
| Average equity | $460,811,600 | 260 |
| Average total loans | $3,803,252,200 | 216 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 2,338 |
| Cost of funding earning assets | 1.2383% | 940 |
| Net interest margin | 3.4878% | 3,599 |
| Noninterest income to average assets | 0.8565% | 1,250 |
| Noninterest expense to average assets | 2.2949% | 3,969 |
| Loan and lease loss provision to assets | 0.0952% | 2,013 |
| Net operating income to assets | 1.3622% | 1,607 |
| Return on assets (ROA) | 1.3891% | 1,570 |
| Pretax return on assets | 1.8076% | 1,076 |
| Return on Equity (ROE) | 14.3233% | 921 |
| Retained earnings to average equity (ytd only) | 12.1194% | 369 |
| Net charge-offs to loans | 0.1921% | 898 |
| Credit loss provision to net charge-offs | 61.3519% | 2,698 |
| Earnings coverage of net charge-offs (x) | 12.0444% | 2,393 |
| Efficiency ratio | 55.1176% | 4,267 |
| Assets per employee ($millions) | 8.8163% | 519 |
| Cash dividends to net income (ytd only)* | 15.3871% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,333 |
| Loan loss allowance to noncurrent loans | 271.4386% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 2,639 |
| Noncurrent loans to loans | 0.5416% | 2,671 |
| Net loans and leases to total assets | 74.0324% | 1,816 |
| Net loans and leases to deposits | 93.5542% | 1,263 |
| Net loans and leases to core deposits | 102.8878% | 1,421 |
| Total domestic deposits to total assets | 79.1332% | 4,158 |
| Equity capital to assets | 9.7807% | 4,227 |
| Core capital (leverage) ratio | 9.6642% | 4,007 |
| Tier 1 risk-based capital ratio | 10.7618% | 4,997 |
| Total risk-based capital ratio | 12.0125% | 4,907 |
| Memoranda: | ||
| Average total assets | $4,678,310,750 | 245 |
| Average earning assets | $4,435,902,750 | 233 |
| Average equity | $453,720,000 | 268 |
| Average total loans | $3,779,319,250 | 218 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 2,195 |
| Cost of funding earning assets | 1.2182% | 943 |
| Net interest margin | 3.5401% | 3,467 |
| Noninterest income to average assets | 0.7158% | 1,651 |
| Noninterest expense to average assets | 2.3250% | 3,941 |
| Loan and lease loss provision to assets | 0.1027% | 1,821 |
| Net operating income to assets | 1.2741% | 1,867 |
| Return on assets (ROA) | 1.2740% | 1,930 |
| Pretax return on assets | 1.6622% | 1,356 |
| Return on Equity (ROE) | 13.1762% | 1,189 |
| Retained earnings to average equity (ytd only) | 11.1406% | 528 |
| Net charge-offs to loans | 0.2712% | 623 |
| Credit loss provision to net charge-offs | 45.7187% | 2,499 |
| Earnings coverage of net charge-offs (x) | 7.8609% | 2,455 |
| Efficiency ratio | 56.8448% | 4,147 |
| Assets per employee ($millions) | 8.3485% | 594 |
| Cash dividends to net income (ytd only)* | 15.4495% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 1,645 |
| Loan loss allowance to noncurrent loans | 318.3431% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 2,809 |
| Noncurrent loans to loans | 0.4375% | 2,966 |
| Net loans and leases to total assets | 80.6699% | 783 |
| Net loans and leases to deposits | 102.6128% | 507 |
| Net loans and leases to core deposits | 116.5236% | 663 |
| Total domestic deposits to total assets | 78.6158% | 4,297 |
| Equity capital to assets | 9.8358% | 4,108 |
| Core capital (leverage) ratio | 9.9507% | 3,640 |
| Tier 1 risk-based capital ratio | 10.2331% | 5,190 |
| Total risk-based capital ratio | 11.4774% | 5,116 |
| Memoranda: | ||
| Average total assets | $4,597,915,670 | 246 |
| Average earning assets | $4,382,476,670 | 235 |
| Average equity | $444,573,000 | 271 |
| Average total loans | $3,806,971,000 | 219 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 2,163 |
| Cost of funding earning assets | 1.1880% | 937 |
| Net interest margin | 3.5311% | 3,494 |
| Noninterest income to average assets | 0.7304% | 1,504 |
| Noninterest expense to average assets | 2.3359% | 3,936 |
| Loan and lease loss provision to assets | 0.1039% | 1,702 |
| Net operating income to assets | 1.2680% | 1,823 |
| Return on assets (ROA) | 1.2677% | 1,872 |
| Pretax return on assets | 1.6559% | 1,321 |
| Return on Equity (ROE) | 13.2296% | 1,148 |
| Retained earnings to average equity (ytd only) | 11.8053% | 648 |
| Net charge-offs to loans | 0.0400% | 1,703 |
| Credit loss provision to net charge-offs | 312.1693% | 798 |
| Earnings coverage of net charge-offs (x) | 52.8810% | 990 |
| Efficiency ratio | 57.0286% | 4,217 |
| Assets per employee ($millions) | 8.2089% | 622 |
| Cash dividends to net income (ytd only)* | 10.7661% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,298 |
| Loan loss allowance to noncurrent loans | 244.8274% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 2,366 |
| Noncurrent loans to loans | 0.6178% | 2,476 |
| Net loans and leases to total assets | 81.5308% | 643 |
| Net loans and leases to deposits | 102.6986% | 463 |
| Net loans and leases to core deposits | 114.3182% | 726 |
| Total domestic deposits to total assets | 79.3885% | 4,279 |
| Equity capital to assets | 9.7298% | 4,062 |
| Core capital (leverage) ratio | 9.7858% | 3,829 |
| Tier 1 risk-based capital ratio | 10.2496% | 5,233 |
| Total risk-based capital ratio | 11.5009% | 5,176 |
| Memoranda: | ||
| Average total assets | $4,542,585,500 | 248 |
| Average earning assets | $4,329,701,500 | 237 |
| Average equity | $435,296,500 | 273 |
| Average total loans | $3,784,433,000 | 221 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 2,732 |
| Cost of funding earning assets | 0.9702% | 839 |
| Net interest margin | 3.4388% | 3,883 |
| Noninterest income to average assets | 0.7431% | 1,677 |
| Noninterest expense to average assets | 2.1919% | 4,358 |
| Loan and lease loss provision to assets | 0.1462% | 1,461 |
| Net operating income to assets | 1.3058% | 1,773 |
| Return on assets (ROA) | 1.3020% | 1,778 |
| Pretax return on assets | 1.6794% | 1,218 |
| Return on Equity (ROE) | 14.9728% | 835 |
| Retained earnings to average equity (ytd only) | 11.7697% | 338 |
| Net charge-offs to loans | 0.1506% | 1,276 |
| Credit loss provision to net charge-offs | 120.3209% | 2,164 |
| Earnings coverage of net charge-offs (x) | 15.0677% | 2,345 |
| Efficiency ratio | 54.4955% | 4,572 |
| Assets per employee ($millions) | 8.0015% | 658 |
| Cash dividends to net income (ytd only)* | 21.3929% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 1,319 |
| Loan loss allowance to noncurrent loans | 285.7447% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 2,605 |
| Noncurrent loans to loans | 0.5221% | 2,707 |
| Net loans and leases to total assets | 82.5935% | 575 |
| Net loans and leases to deposits | 109.4771% | 266 |
| Net loans and leases to core deposits | 123.2779% | 461 |
| Total domestic deposits to total assets | 75.4436% | 4,822 |
| Equity capital to assets | 9.4334% | 4,183 |
| Core capital (leverage) ratio | 9.5571% | 4,049 |
| Tier 1 risk-based capital ratio | 9.9575% | 5,316 |
| Total risk-based capital ratio | 11.2082% | 5,269 |
| Memoranda: | ||
| Average total assets | $4,618,384,800 | 239 |
| Average earning assets | $4,403,927,800 | 228 |
| Average equity | $401,608,000 | 278 |
| Average total loans | $3,724,655,600 | 217 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 3,005 |
| Cost of funding earning assets | 0.9187% | 846 |
| Net interest margin | 3.3698% | 4,103 |
| Noninterest income to average assets | 0.7686% | 1,585 |
| Noninterest expense to average assets | 2.2074% | 4,307 |
| Loan and lease loss provision to assets | 0.1239% | 1,621 |
| Net operating income to assets | 1.2754% | 1,950 |
| Return on assets (ROA) | 1.2742% | 1,954 |
| Pretax return on assets | 1.6518% | 1,411 |
| Return on Equity (ROE) | 14.9612% | 884 |
| Retained earnings to average equity (ytd only) | 12.5362% | 413 |
| Net charge-offs to loans | 0.1209% | 1,301 |
| Credit loss provision to net charge-offs | 128.2699% | 1,913 |
| Earnings coverage of net charge-offs (x) | 18.4037% | 2,055 |
| Efficiency ratio | 55.3991% | 4,459 |
| Assets per employee ($millions) | 7.9037% | 676 |
| Cash dividends to net income (ytd only)* | 16.2090% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,327 |
| Loan loss allowance to noncurrent loans | 238.1349% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 2,631 |
| Noncurrent loans to loans | 0.6324% | 2,503 |
| Net loans and leases to total assets | 82.2498% | 670 |
| Net loans and leases to deposits | 107.9164% | 357 |
| Net loans and leases to core deposits | 119.4313% | 590 |
| Total domestic deposits to total assets | 76.2162% | 4,765 |
| Equity capital to assets | 9.1461% | 4,421 |
| Core capital (leverage) ratio | 9.4765% | 4,205 |
| Tier 1 risk-based capital ratio | 9.8655% | 5,402 |
| Total risk-based capital ratio | 11.1164% | 5,360 |
| Memoranda: | ||
| Average total assets | $4,644,776,250 | 239 |
| Average earning assets | $4,432,729,750 | 225 |
| Average equity | $395,581,500 | 278 |
| Average total loans | $3,709,884,250 | 219 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 3,407 |
| Cost of funding earning assets | 0.8737% | 812 |
| Net interest margin | 3.2388% | 4,416 |
| Noninterest income to average assets | 0.7407% | 1,683 |
| Noninterest expense to average assets | 2.1827% | 4,406 |
| Loan and lease loss provision to assets | 0.0800% | 2,309 |
| Net operating income to assets | 1.2101% | 2,156 |
| Return on assets (ROA) | 1.2083% | 2,160 |
| Pretax return on assets | 1.5732% | 1,591 |
| Return on Equity (ROE) | 14.5283% | 953 |
| Retained earnings to average equity (ytd only) | 12.2933% | 476 |
| Net charge-offs to loans | 0.0248% | 2,364 |
| Credit loss provision to net charge-offs | 409.5861% | 807 |
| Earnings coverage of net charge-offs (x) | 84.7887% | 795 |
| Efficiency ratio | 56.8685% | 4,378 |
| Assets per employee ($millions) | 7.8123% | 673 |
| Cash dividends to net income (ytd only)* | 15.3835% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 1,233 |
| Loan loss allowance to noncurrent loans | 553.4881% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 3,845 |
| Noncurrent loans to loans | 0.2803% | 3,699 |
| Net loans and leases to total assets | 81.4029% | 791 |
| Net loans and leases to deposits | 105.4105% | 465 |
| Net loans and leases to core deposits | 119.6939% | 572 |
| Total domestic deposits to total assets | 77.2246% | 4,703 |
| Equity capital to assets | 9.0393% | 4,526 |
| Core capital (leverage) ratio | 9.1813% | 4,487 |
| Tier 1 risk-based capital ratio | 9.8168% | 5,462 |
| Total risk-based capital ratio | 11.0682% | 5,417 |
| Memoranda: | ||
| Average total assets | $4,701,870,000 | 232 |
| Average earning assets | $4,496,495,000 | 222 |
| Average equity | $391,058,000 | 277 |
| Average total loans | $3,701,280,330 | 214 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,890 |
| Cost of funding earning assets | 0.7954% | 970 |
| Net interest margin | 3.1182% | 4,665 |
| Noninterest income to average assets | 0.6878% | 1,886 |
| Noninterest expense to average assets | 2.1232% | 4,608 |
| Loan and lease loss provision to assets | 0.0777% | 2,220 |
| Net operating income to assets | 1.1269% | 2,300 |
| Return on assets (ROA) | 1.1235% | 2,334 |
| Pretax return on assets | 1.4699% | 1,765 |
| Return on Equity (ROE) | 14.0663% | 1,000 |
| Retained earnings to average equity (ytd only) | 12.4631% | 603 |
| Net charge-offs to loans | -0.0283% | 4,714 |
| Credit loss provision to net charge-offs | -357.4144% | 3,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7732% | 4,374 |
| Assets per employee ($millions) | 9.3710% | 391 |
| Cash dividends to net income (ytd only)* | 11.3971% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 1,347 |
| Loan loss allowance to noncurrent loans | 469.0711% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 3,930 |
| Noncurrent loans to loans | 0.3263% | 3,598 |
| Net loans and leases to total assets | 69.7787% | 2,522 |
| Net loans and leases to deposits | 87.3923% | 2,005 |
| Net loans and leases to core deposits | 97.7174% | 1,851 |
| Total domestic deposits to total assets | 79.8453% | 4,442 |
| Equity capital to assets | 7.4713% | 5,425 |
| Core capital (leverage) ratio | 8.8747% | 4,822 |
| Tier 1 risk-based capital ratio | 9.4253% | 5,562 |
| Total risk-based capital ratio | 10.6766% | 5,546 |
| Memoranda: | ||
| Average total assets | $4,841,931,000 | 222 |
| Average earning assets | $4,638,609,000 | 213 |
| Average equity | $386,740,500 | 284 |
| Average total loans | $3,723,842,000 | 211 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 3,209 |
| Cost of funding earning assets | 0.7151% | 950 |
| Net interest margin | 3.3436% | 4,028 |
| Noninterest income to average assets | 0.8769% | 1,336 |
| Noninterest expense to average assets | 2.3128% | 4,291 |
| Loan and lease loss provision to assets | 0.1215% | 1,882 |
| Net operating income to assets | 0.9202% | 2,596 |
| Return on assets (ROA) | 0.9173% | 2,641 |
| Pretax return on assets | 1.6152% | 1,251 |
| Return on Equity (ROE) | 10.5127% | 1,673 |
| Retained earnings to average equity (ytd only) | 7.4996% | 922 |
| Net charge-offs to loans | 0.0776% | 2,342 |
| Credit loss provision to net charge-offs | 190.7557% | 1,431 |
| Earnings coverage of net charge-offs (x) | 27.3349% | 1,638 |
| Efficiency ratio | 57.0474% | 4,650 |
| Assets per employee ($millions) | 8.0606% | 624 |
| Cash dividends to net income (ytd only)* | 28.6617% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,500 |
| Loan loss allowance to noncurrent loans | 431.2022% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 3,690 |
| Noncurrent loans to loans | 0.3415% | 3,536 |
| Net loans and leases to total assets | 82.7123% | 597 |
| Net loans and leases to deposits | 107.5612% | 337 |
| Net loans and leases to core deposits | 119.1617% | 614 |
| Total domestic deposits to total assets | 76.8979% | 4,864 |
| Equity capital to assets | 8.5884% | 5,053 |
| Core capital (leverage) ratio | 8.6342% | 5,008 |
| Tier 1 risk-based capital ratio | 8.8530% | 5,639 |
| Total risk-based capital ratio | 10.1034% | 5,634 |
| Memoranda: | ||
| Average total assets | $4,279,171,000 | 239 |
| Average earning assets | $4,066,129,000 | 231 |
| Average equity | $373,366,600 | 280 |
| Average total loans | $3,513,045,600 | 215 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 3,322 |
| Cost of funding earning assets | 0.6877% | 1,022 |
| Net interest margin | 3.3229% | 4,095 |
| Noninterest income to average assets | 0.9059% | 1,256 |
| Noninterest expense to average assets | 2.3199% | 4,244 |
| Loan and lease loss provision to assets | 0.0827% | 2,433 |
| Net operating income to assets | 1.1037% | 2,074 |
| Return on assets (ROA) | 1.1034% | 2,125 |
| Pretax return on assets | 1.6566% | 1,228 |
| Return on Equity (ROE) | 12.5939% | 1,151 |
| Retained earnings to average equity (ytd only) | 10.0155% | 582 |
| Net charge-offs to loans | 0.0671% | 2,163 |
| Credit loss provision to net charge-offs | 151.1226% | 1,683 |
| Earnings coverage of net charge-offs (x) | 31.7790% | 1,499 |
| Efficiency ratio | 57.1468% | 4,598 |
| Assets per employee ($millions) | 7.9723% | 641 |
| Cash dividends to net income (ytd only)* | 20.4736% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 1,489 |
| Loan loss allowance to noncurrent loans | 755.4493% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 4,418 |
| Noncurrent loans to loans | 0.2003% | 4,282 |
| Net loans and leases to total assets | 80.4673% | 918 |
| Net loans and leases to deposits | 106.3082% | 404 |
| Net loans and leases to core deposits | 118.0930% | 652 |
| Total domestic deposits to total assets | 75.6925% | 5,052 |
| Equity capital to assets | 8.8908% | 5,002 |
| Core capital (leverage) ratio | 8.9432% | 4,812 |
| Tier 1 risk-based capital ratio | 9.3387% | 5,686 |
| Total risk-based capital ratio | 10.5894% | 5,672 |
| Memoranda: | ||
| Average total assets | $4,230,561,000 | 242 |
| Average earning assets | $4,015,178,500 | 232 |
| Average equity | $370,655,750 | 282 |
| Average total loans | $3,452,424,000 | 218 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 3,379 |
| Cost of funding earning assets | 0.6541% | 1,121 |
| Net interest margin | 3.2942% | 4,128 |
| Noninterest income to average assets | 0.8584% | 1,394 |
| Noninterest expense to average assets | 2.3043% | 4,333 |
| Loan and lease loss provision to assets | 0.0835% | 2,316 |
| Net operating income to assets | 1.0567% | 2,178 |
| Return on assets (ROA) | 1.0563% | 2,220 |
| Pretax return on assets | 1.6001% | 1,343 |
| Return on Equity (ROE) | 12.1185% | 1,265 |
| Retained earnings to average equity (ytd only) | 9.7340% | 635 |
| Net charge-offs to loans | 0.0418% | 2,358 |
| Credit loss provision to net charge-offs | 244.7552% | 1,101 |
| Earnings coverage of net charge-offs (x) | 49.3762% | 1,086 |
| Efficiency ratio | 57.7744% | 4,625 |
| Assets per employee ($millions) | 7.8692% | 652 |
| Cash dividends to net income (ytd only)* | 19.6766% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 1,425 |
| Loan loss allowance to noncurrent loans | 694.2518% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 4,425 |
| Noncurrent loans to loans | 0.2221% | 4,229 |
| Net loans and leases to total assets | 79.6276% | 1,006 |
| Net loans and leases to deposits | 106.8224% | 366 |
| Net loans and leases to core deposits | 113.8533% | 806 |
| Total domestic deposits to total assets | 74.5420% | 5,244 |
| Equity capital to assets | 8.7127% | 5,132 |
| Core capital (leverage) ratio | 9.0429% | 4,680 |
| Tier 1 risk-based capital ratio | 9.2753% | 5,726 |
| Total risk-based capital ratio | 10.5264% | 5,719 |
| Memoranda: | ||
| Average total assets | $4,192,445,000 | 244 |
| Average earning assets | $3,983,618,330 | 234 |
| Average equity | $365,441,330 | 289 |
| Average total loans | $3,419,914,670 | 221 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9231% | 3,311 |
| Cost of funding earning assets | 0.6247% | 1,217 |
| Net interest margin | 3.2984% | 4,012 |
| Noninterest income to average assets | 0.9070% | 1,215 |
| Noninterest expense to average assets | 2.3383% | 4,295 |
| Loan and lease loss provision to assets | 0.0848% | 2,125 |
| Net operating income to assets | 1.0656% | 2,007 |
| Return on assets (ROA) | 1.0656% | 2,047 |
| Pretax return on assets | 1.6149% | 1,197 |
| Return on Equity (ROE) | 12.2214% | 1,177 |
| Retained earnings to average equity (ytd only) | 10.4990% | 705 |
| Net charge-offs to loans | 0.0086% | 2,673 |
| Credit loss provision to net charge-offs | 1,198.6301% | 269 |
| Earnings coverage of net charge-offs (x) | 240.3151% | 241 |
| Efficiency ratio | 57.9082% | 4,725 |
| Assets per employee ($millions) | 7.6876% | 705 |
| Cash dividends to net income (ytd only)* | 14.0935% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 1,467 |
| Loan loss allowance to noncurrent loans | 690.5369% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 4,481 |
| Noncurrent loans to loans | 0.2266% | 4,300 |
| Net loans and leases to total assets | 81.5658% | 618 |
| Net loans and leases to deposits | 112.0952% | 172 |
| Net loans and leases to core deposits | 117.2683% | 550 |
| Total domestic deposits to total assets | 72.7647% | 5,501 |
| Equity capital to assets | 8.8098% | 4,991 |
| Core capital (leverage) ratio | 8.8136% | 4,941 |
| Tier 1 risk-based capital ratio | 9.1540% | 5,799 |
| Total risk-based capital ratio | 10.4052% | 5,794 |
| Memoranda: | ||
| Average total assets | $4,128,565,500 | 245 |
| Average earning assets | $3,918,956,500 | 235 |
| Average equity | $359,959,000 | 292 |
| Average total loans | $3,382,901,500 | 223 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8086% | 3,878 |
| Cost of funding earning assets | 0.5646% | 1,573 |
| Net interest margin | 3.2440% | 4,317 |
| Noninterest income to average assets | 1.0813% | 966 |
| Noninterest expense to average assets | 2.5600% | 3,811 |
| Loan and lease loss provision to assets | 0.1130% | 2,179 |
| Net operating income to assets | 0.9793% | 2,438 |
| Return on assets (ROA) | 0.9770% | 2,561 |
| Pretax return on assets | 1.4769% | 1,660 |
| Return on Equity (ROE) | 11.2186% | 1,499 |
| Retained earnings to average equity (ytd only) | 7.9750% | 864 |
| Net charge-offs to loans | 0.0228% | 3,590 |
| Credit loss provision to net charge-offs | 617.2840% | 556 |
| Earnings coverage of net charge-offs (x) | 87.0508% | 672 |
| Efficiency ratio | 61.6361% | 4,321 |
| Assets per employee ($millions) | 7.6888% | 682 |
| Cash dividends to net income (ytd only)* | 28.9129% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,416 |
| Loan loss allowance to noncurrent loans | 652.7304% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 4,507 |
| Noncurrent loans to loans | 0.2424% | 4,282 |
| Net loans and leases to total assets | 79.7300% | 927 |
| Net loans and leases to deposits | 107.0265% | 301 |
| Net loans and leases to core deposits | 111.4727% | 806 |
| Total domestic deposits to total assets | 74.4956% | 5,402 |
| Equity capital to assets | 8.6273% | 5,169 |
| Core capital (leverage) ratio | 8.4603% | 5,301 |
| Tier 1 risk-based capital ratio | 9.1075% | 5,849 |
| Total risk-based capital ratio | 10.3588% | 5,851 |
| Memoranda: | ||
| Average total assets | $3,982,722,200 | 235 |
| Average earning assets | $3,771,633,400 | 228 |
| Average equity | $346,835,000 | 286 |
| Average total loans | $3,197,755,600 | 218 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 3,908 |
| Cost of funding earning assets | 0.5555% | 1,644 |
| Net interest margin | 3.2480% | 4,350 |
| Noninterest income to average assets | 1.1444% | 879 |
| Noninterest expense to average assets | 2.6316% | 3,560 |
| Loan and lease loss provision to assets | 0.1604% | 1,443 |
| Net operating income to assets | 0.9478% | 2,666 |
| Return on assets (ROA) | 0.9476% | 2,802 |
| Pretax return on assets | 1.4272% | 1,944 |
| Return on Equity (ROE) | 10.8550% | 1,726 |
| Retained earnings to average equity (ytd only) | 8.0817% | 1,140 |
| Net charge-offs to loans | 0.1185% | 1,763 |
| Credit loss provision to net charge-offs | 168.9790% | 1,642 |
| Earnings coverage of net charge-offs (x) | 16.7268% | 2,092 |
| Efficiency ratio | 62.3682% | 4,166 |
| Assets per employee ($millions) | 7.9289% | 606 |
| Cash dividends to net income (ytd only)* | 25.5488% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 1,438 |
| Loan loss allowance to noncurrent loans | 547.3865% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 4,459 |
| Noncurrent loans to loans | 0.2942% | 4,202 |
| Net loans and leases to total assets | 75.7093% | 1,573 |
| Net loans and leases to deposits | 102.6579% | 530 |
| Net loans and leases to core deposits | 107.3300% | 1,094 |
| Total domestic deposits to total assets | 73.7491% | 5,457 |
| Equity capital to assets | 8.6544% | 5,432 |
| Core capital (leverage) ratio | 8.5854% | 5,279 |
| Tier 1 risk-based capital ratio | 9.4719% | 5,884 |
| Total risk-based capital ratio | 10.7236% | 5,870 |
| Memoranda: | ||
| Average total assets | $3,948,100,500 | 232 |
| Average earning assets | $3,737,867,000 | 227 |
| Average equity | $344,656,000 | 286 |
| Average total loans | $3,162,526,250 | 219 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 3,886 |
| Cost of funding earning assets | 0.5470% | 1,720 |
| Net interest margin | 3.2728% | 4,318 |
| Noninterest income to average assets | 1.2772% | 701 |
| Noninterest expense to average assets | 2.8640% | 2,792 |
| Loan and lease loss provision to assets | 0.2312% | 876 |
| Net operating income to assets | 0.8582% | 3,057 |
| Return on assets (ROA) | 0.8580% | 3,182 |
| Pretax return on assets | 1.2816% | 2,480 |
| Return on Equity (ROE) | 9.7991% | 2,136 |
| Retained earnings to average equity (ytd only) | 7.2424% | 1,491 |
| Net charge-offs to loans | -0.0157% | 4,852 |
| Credit loss provision to net charge-offs | -1,814.5161% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4321% | 3,770 |
| Assets per employee ($millions) | 7.5934% | 677 |
| Cash dividends to net income (ytd only)* | 26.0914% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 1,419 |
| Loan loss allowance to noncurrent loans | 438.6484% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 4,191 |
| Noncurrent loans to loans | 0.3748% | 4,017 |
| Net loans and leases to total assets | 81.6850% | 660 |
| Net loans and leases to deposits | 111.1895% | 226 |
| Net loans and leases to core deposits | 118.0294% | 570 |
| Total domestic deposits to total assets | 73.4646% | 5,571 |
| Equity capital to assets | 8.8499% | 5,361 |
| Core capital (leverage) ratio | 8.6899% | 5,179 |
| Tier 1 risk-based capital ratio | 9.0751% | 5,996 |
| Total risk-based capital ratio | 10.3275% | 5,992 |
| Memoranda: | ||
| Average total assets | $3,892,430,000 | 238 |
| Average earning assets | $3,686,667,000 | 230 |
| Average equity | $340,828,330 | 288 |
| Average total loans | $3,161,193,670 | 220 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 4,013 |
| Cost of funding earning assets | 0.5384% | 1,803 |
| Net interest margin | 3.2430% | 4,424 |
| Noninterest income to average assets | 1.1706% | 804 |
| Noninterest expense to average assets | 2.5142% | 4,025 |
| Loan and lease loss provision to assets | 0.1034% | 1,984 |
| Net operating income to assets | 1.0642% | 2,038 |
| Return on assets (ROA) | 1.0664% | 2,138 |
| Pretax return on assets | 1.6329% | 1,221 |
| Return on Equity (ROE) | 12.2450% | 1,236 |
| Retained earnings to average equity (ytd only) | 10.4045% | 763 |
| Net charge-offs to loans | -0.0095% | 4,511 |
| Credit loss provision to net charge-offs | -1,351.3514% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1960% | 4,853 |
| Assets per employee ($millions) | 7.5530% | 683 |
| Cash dividends to net income (ytd only)* | 15.0310% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 1,668 |
| Loan loss allowance to noncurrent loans | 936.5776% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 4,961 |
| Noncurrent loans to loans | 0.1689% | 4,815 |
| Net loans and leases to total assets | 80.6426% | 724 |
| Net loans and leases to deposits | 109.8847% | 235 |
| Net loans and leases to core deposits | 116.7045% | 573 |
| Total domestic deposits to total assets | 73.3884% | 5,662 |
| Equity capital to assets | 8.8531% | 5,296 |
| Core capital (leverage) ratio | 8.7466% | 5,132 |
| Tier 1 risk-based capital ratio | 9.2595% | 6,036 |
| Total risk-based capital ratio | 10.5112% | 6,027 |
| Memoranda: | ||
| Average total assets | $3,868,148,000 | 241 |
| Average earning assets | $3,669,642,000 | 231 |
| Average equity | $336,855,000 | 288 |
| Average total loans | $3,105,286,500 | 221 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 4,616 |
| Cost of funding earning assets | 0.5248% | 1,959 |
| Net interest margin | 3.0958% | 4,907 |
| Noninterest income to average assets | 1.1349% | 922 |
| Noninterest expense to average assets | 2.5514% | 4,066 |
| Loan and lease loss provision to assets | 0.0765% | 2,746 |
| Net operating income to assets | 0.9489% | 2,618 |
| Return on assets (ROA) | 0.9488% | 2,695 |
| Pretax return on assets | 1.4370% | 1,761 |
| Return on Equity (ROE) | 11.3615% | 1,483 |
| Retained earnings to average equity (ytd only) | 7.5347% | 1,085 |
| Net charge-offs to loans | -0.0334% | 5,434 |
| Credit loss provision to net charge-offs | -301.2048% | 5,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7652% | 4,482 |
| Assets per employee ($millions) | 7.2759% | 792 |
| Cash dividends to net income (ytd only)* | 33.6825% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 1,748 |
| Loan loss allowance to noncurrent loans | 572.9226% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 4,711 |
| Noncurrent loans to loans | 0.2727% | 4,476 |
| Net loans and leases to total assets | 75.6711% | 1,469 |
| Net loans and leases to deposits | 99.1853% | 740 |
| Net loans and leases to core deposits | 103.7468% | 1,237 |
| Total domestic deposits to total assets | 76.2927% | 5,412 |
| Equity capital to assets | 8.3289% | 5,682 |
| Core capital (leverage) ratio | 8.0568% | 5,803 |
| Tier 1 risk-based capital ratio | 9.1916% | 6,087 |
| Total risk-based capital ratio | 10.4427% | 6,081 |
| Memoranda: | ||
| Average total assets | $3,269,820,800 | 260 |
| Average earning assets | $3,094,794,400 | 251 |
| Average equity | $273,070,400 | 328 |
| Average total loans | $2,482,381,000 | 246 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 4,676 |
| Cost of funding earning assets | 0.5264% | 1,990 |
| Net interest margin | 3.0911% | 4,985 |
| Noninterest income to average assets | 1.1335% | 934 |
| Noninterest expense to average assets | 2.5613% | 4,010 |
| Loan and lease loss provision to assets | 0.0514% | 3,176 |
| Net operating income to assets | 0.9593% | 2,674 |
| Return on assets (ROA) | 0.9595% | 2,756 |
| Pretax return on assets | 1.4455% | 1,846 |
| Return on Equity (ROE) | 11.4818% | 1,534 |
| Retained earnings to average equity (ytd only) | 8.1521% | 1,187 |
| Net charge-offs to loans | -0.0373% | 5,431 |
| Credit loss provision to net charge-offs | -182.2157% | 5,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1198% | 4,387 |
| Assets per employee ($millions) | 7.2504% | 776 |
| Cash dividends to net income (ytd only)* | 29.0005% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,953 |
| Loan loss allowance to noncurrent loans | 564.8773% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 4,840 |
| Noncurrent loans to loans | 0.2751% | 4,597 |
| Net loans and leases to total assets | 73.4009% | 1,836 |
| Net loans and leases to deposits | 94.6106% | 1,125 |
| Net loans and leases to core deposits | 99.0833% | 1,598 |
| Total domestic deposits to total assets | 77.5821% | 5,250 |
| Equity capital to assets | 8.2793% | 5,836 |
| Core capital (leverage) ratio | 8.3983% | 5,630 |
| Tier 1 risk-based capital ratio | 9.3585% | 6,163 |
| Total risk-based capital ratio | 10.6096% | 6,145 |
| Memoranda: | ||
| Average total assets | $3,243,273,000 | 264 |
| Average earning assets | $3,068,308,000 | 257 |
| Average equity | $271,041,500 | 334 |
| Average total loans | $2,454,174,500 | 251 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6164% | 4,675 |
| Cost of funding earning assets | 0.5319% | 1,967 |
| Net interest margin | 3.0846% | 5,001 |
| Noninterest income to average assets | 1.1322% | 944 |
| Noninterest expense to average assets | 2.5581% | 4,049 |
| Loan and lease loss provision to assets | 0.0313% | 3,498 |
| Net operating income to assets | 0.9711% | 2,531 |
| Return on assets (ROA) | 0.9714% | 2,638 |
| Pretax return on assets | 1.4622% | 1,760 |
| Return on Equity (ROE) | 11.5863% | 1,503 |
| Retained earnings to average equity (ytd only) | 8.4857% | 1,077 |
| Net charge-offs to loans | -0.0539% | 5,572 |
| Credit loss provision to net charge-offs | -76.3359% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1470% | 4,491 |
| Assets per employee ($millions) | 6.8033% | 925 |
| Cash dividends to net income (ytd only)* | 26.7607% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 2,234 |
| Loan loss allowance to noncurrent loans | 501.0448% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 4,821 |
| Noncurrent loans to loans | 0.3019% | 4,607 |
| Net loans and leases to total assets | 76.6481% | 1,282 |
| Net loans and leases to deposits | 98.6062% | 743 |
| Net loans and leases to core deposits | 103.2975% | 1,237 |
| Total domestic deposits to total assets | 77.7315% | 5,323 |
| Equity capital to assets | 8.3654% | 5,784 |
| Core capital (leverage) ratio | 8.3844% | 5,650 |
| Tier 1 risk-based capital ratio | 9.2731% | 6,228 |
| Total risk-based capital ratio | 10.5240% | 6,210 |
| Memoranda: | ||
| Average total assets | $3,198,130,000 | 269 |
| Average earning assets | $3,026,339,000 | 260 |
| Average equity | $268,144,000 | 336 |
| Average total loans | $2,432,518,330 | 254 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 4,822 |
| Cost of funding earning assets | 0.5369% | 1,956 |
| Net interest margin | 3.0144% | 5,177 |
| Noninterest income to average assets | 1.1885% | 807 |
| Noninterest expense to average assets | 2.5361% | 4,153 |
| Loan and lease loss provision to assets | 0.0316% | 3,260 |
| Net operating income to assets | 0.9685% | 2,401 |
| Return on assets (ROA) | 0.9692% | 2,534 |
| Pretax return on assets | 1.4712% | 1,657 |
| Return on Equity (ROE) | 11.5467% | 1,467 |
| Retained earnings to average equity (ytd only) | 9.2151% | 1,126 |
| Net charge-offs to loans | -0.0186% | 5,009 |
| Credit loss provision to net charge-offs | -225.2252% | 4,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8108% | 4,652 |
| Assets per employee ($millions) | 6.7124% | 967 |
| Cash dividends to net income (ytd only)* | 20.1928% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 2,186 |
| Loan loss allowance to noncurrent loans | 551.1369% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 4,971 |
| Noncurrent loans to loans | 0.2832% | 4,759 |
| Net loans and leases to total assets | 73.8506% | 1,527 |
| Net loans and leases to deposits | 95.5888% | 860 |
| Net loans and leases to core deposits | 100.0964% | 1,313 |
| Total domestic deposits to total assets | 77.2586% | 5,573 |
| Equity capital to assets | 8.3979% | 5,807 |
| Core capital (leverage) ratio | 8.0724% | 5,898 |
| Tier 1 risk-based capital ratio | 9.4904% | 6,272 |
| Total risk-based capital ratio | 10.7417% | 6,251 |
| Memoranda: | ||
| Average total assets | $3,167,816,500 | 268 |
| Average earning assets | $2,994,311,500 | 262 |
| Average equity | $265,912,000 | 335 |
| Average total loans | $2,380,708,000 | 255 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6820% | 4,847 |
| Cost of funding earning assets | 0.5481% | 2,218 |
| Net interest margin | 3.1339% | 5,117 |
| Noninterest income to average assets | 1.0939% | 1,015 |
| Noninterest expense to average assets | 2.5548% | 4,378 |
| Loan and lease loss provision to assets | 0.0660% | 3,179 |
| Net operating income to assets | 0.9296% | 2,730 |
| Return on assets (ROA) | 0.9296% | 2,819 |
| Pretax return on assets | 1.4062% | 1,864 |
| Return on Equity (ROE) | 11.1254% | 1,682 |
| Retained earnings to average equity (ytd only) | 6.7428% | 1,520 |
| Net charge-offs to loans | 0.0423% | 3,975 |
| Credit loss provision to net charge-offs | 214.1328% | 1,157 |
| Earnings coverage of net charge-offs (x) | 47.7784% | 960 |
| Efficiency ratio | 63.4422% | 4,676 |
| Assets per employee ($millions) | 6.7249% | 943 |
| Cash dividends to net income (ytd only)* | 39.3924% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 2,154 |
| Loan loss allowance to noncurrent loans | 537.7945% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 4,894 |
| Noncurrent loans to loans | 0.2939% | 4,797 |
| Net loans and leases to total assets | 74.0979% | 1,569 |
| Net loans and leases to deposits | 98.6268% | 712 |
| Net loans and leases to core deposits | 103.7331% | 1,141 |
| Total domestic deposits to total assets | 75.1295% | 5,842 |
| Equity capital to assets | 8.3903% | 5,836 |
| Core capital (leverage) ratio | 8.1340% | 5,902 |
| Tier 1 risk-based capital ratio | 9.8372% | 6,300 |
| Total risk-based capital ratio | 11.0879% | 6,261 |
| Memoranda: | ||
| Average total assets | $3,031,201,200 | 265 |
| Average earning assets | $2,836,986,000 | 259 |
| Average equity | $253,277,200 | 329 |
| Average total loans | $2,207,419,800 | 251 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6377% | 5,042 |
| Cost of funding earning assets | 0.5506% | 2,282 |
| Net interest margin | 3.0871% | 5,293 |
| Noninterest income to average assets | 1.0824% | 1,037 |
| Noninterest expense to average assets | 2.4839% | 4,579 |
| Loan and lease loss provision to assets | 0.0554% | 3,262 |
| Net operating income to assets | 0.9446% | 2,707 |
| Return on assets (ROA) | 0.9446% | 2,797 |
| Pretax return on assets | 1.4260% | 1,901 |
| Return on Equity (ROE) | 11.3170% | 1,678 |
| Retained earnings to average equity (ytd only) | 7.5487% | 1,560 |
| Net charge-offs to loans | 0.0473% | 3,552 |
| Credit loss provision to net charge-offs | 162.3377% | 1,499 |
| Earnings coverage of net charge-offs (x) | 43.3935% | 1,072 |
| Efficiency ratio | 62.6407% | 4,792 |
| Assets per employee ($millions) | 6.5101% | 1,019 |
| Cash dividends to net income (ytd only)* | 33.2973% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 2,305 |
| Loan loss allowance to noncurrent loans | 463.2431% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 5,104 |
| Noncurrent loans to loans | 0.3454% | 4,863 |
| Net loans and leases to total assets | 74.8917% | 1,380 |
| Net loans and leases to deposits | 98.4737% | 701 |
| Net loans and leases to core deposits | 103.9939% | 1,105 |
| Total domestic deposits to total assets | 76.0525% | 5,806 |
| Equity capital to assets | 8.6108% | 5,713 |
| Core capital (leverage) ratio | 8.6588% | 5,492 |
| Tier 1 risk-based capital ratio | 9.9174% | 6,361 |
| Total risk-based capital ratio | 11.1671% | 6,334 |
| Memoranda: | ||
| Average total assets | $3,007,229,750 | 265 |
| Average earning assets | $2,808,260,250 | 258 |
| Average equity | $251,003,250 | 330 |
| Average total loans | $2,170,696,000 | 250 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5511% | 5,284 |
| Cost of funding earning assets | 0.5557% | 2,300 |
| Net interest margin | 2.9954% | 5,543 |
| Noninterest income to average assets | 1.0725% | 1,038 |
| Noninterest expense to average assets | 2.4698% | 4,667 |
| Loan and lease loss provision to assets | 0.0334% | 3,621 |
| Net operating income to assets | 0.9067% | 2,770 |
| Return on assets (ROA) | 0.9067% | 2,872 |
| Pretax return on assets | 1.3590% | 2,045 |
| Return on Equity (ROE) | 10.9783% | 1,750 |
| Retained earnings to average equity (ytd only) | 7.5001% | 1,519 |
| Net charge-offs to loans | -0.0663% | 5,997 |
| Credit loss provision to net charge-offs | -71.0042% | 5,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9481% | 4,697 |
| Assets per employee ($millions) | 6.6563% | 942 |
| Cash dividends to net income (ytd only)* | 31.6828% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 2,216 |
| Loan loss allowance to noncurrent loans | 442.3614% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 5,136 |
| Noncurrent loans to loans | 0.3784% | 4,857 |
| Net loans and leases to total assets | 72.2947% | 1,686 |
| Net loans and leases to deposits | 93.4928% | 1,008 |
| Net loans and leases to core deposits | 99.1943% | 1,344 |
| Total domestic deposits to total assets | 77.3265% | 5,754 |
| Equity capital to assets | 8.3995% | 5,882 |
| Core capital (leverage) ratio | 8.4695% | 5,660 |
| Tier 1 risk-based capital ratio | 9.9917% | 6,401 |
| Total risk-based capital ratio | 11.2417% | 6,358 |
| Memoranda: | ||
| Average total assets | $3,007,091,000 | 262 |
| Average earning assets | $2,800,462,000 | 257 |
| Average equity | $248,344,000 | 328 |
| Average total loans | $2,131,227,670 | 250 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4229% | 5,596 |
| Cost of funding earning assets | 0.5605% | 2,338 |
| Net interest margin | 2.8623% | 5,828 |
| Noninterest income to average assets | 1.1150% | 898 |
| Noninterest expense to average assets | 2.4937% | 4,644 |
| Loan and lease loss provision to assets | 0.0338% | 3,375 |
| Net operating income to assets | 0.8457% | 2,924 |
| Return on assets (ROA) | 0.8457% | 3,000 |
| Pretax return on assets | 1.2585% | 2,253 |
| Return on Equity (ROE) | 10.3297% | 1,928 |
| Retained earnings to average equity (ytd only) | 7.7995% | 1,685 |
| Net charge-offs to loans | -0.1530% | 6,300 |
| Credit loss provision to net charge-offs | -31.7839% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8654% | 4,551 |
| Assets per employee ($millions) | 6.7093% | 920 |
| Cash dividends to net income (ytd only)* | 24.4943% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 2,184 |
| Loan loss allowance to noncurrent loans | 450.3330% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 4,970 |
| Noncurrent loans to loans | 0.3895% | 4,962 |
| Net loans and leases to total assets | 70.2488% | 1,843 |
| Net loans and leases to deposits | 91.5759% | 984 |
| Net loans and leases to core deposits | 97.8853% | 1,246 |
| Total domestic deposits to total assets | 76.7110% | 5,997 |
| Equity capital to assets | 8.3818% | 5,760 |
| Core capital (leverage) ratio | 8.3563% | 5,794 |
| Tier 1 risk-based capital ratio | 10.3288% | 6,385 |
| Total risk-based capital ratio | 11.5786% | 6,343 |
| Memoranda: | ||
| Average total assets | $2,992,998,500 | 263 |
| Average earning assets | $2,792,987,500 | 256 |
| Average equity | $245,041,500 | 332 |
| Average total loans | $2,080,992,500 | 252 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 5,328 |
| Cost of funding earning assets | 0.6152% | 2,521 |
| Net interest margin | 3.0161% | 5,544 |
| Noninterest income to average assets | 1.1508% | 1,064 |
| Noninterest expense to average assets | 2.5650% | 4,572 |
| Loan and lease loss provision to assets | 0.1734% | 2,133 |
| Net operating income to assets | 0.8149% | 3,216 |
| Return on assets (ROA) | 0.8147% | 3,314 |
| Pretax return on assets | 1.2026% | 2,571 |
| Return on Equity (ROE) | 9.8092% | 2,188 |
| Retained earnings to average equity (ytd only) | 5.3831% | 2,362 |
| Net charge-offs to loans | -0.0187% | 6,126 |
| Credit loss provision to net charge-offs | -1,336.8984% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0010% | 4,731 |
| Assets per employee ($millions) | 6.6677% | 909 |
| Cash dividends to net income (ytd only)* | 45.1217% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7704% | 2,162 |
| Loan loss allowance to noncurrent loans | 374.3553% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 4,836 |
| Noncurrent loans to loans | 0.4729% | 4,812 |
| Net loans and leases to total assets | 66.3937% | 2,631 |
| Net loans and leases to deposits | 85.3201% | 1,771 |
| Net loans and leases to core deposits | 90.8675% | 1,918 |
| Total domestic deposits to total assets | 77.8171% | 5,852 |
| Equity capital to assets | 7.9961% | 6,023 |
| Core capital (leverage) ratio | 8.1794% | 5,993 |
| Tier 1 risk-based capital ratio | 10.6255% | 6,325 |
| Total risk-based capital ratio | 11.8754% | 6,281 |
| Memoranda: | ||
| Average total assets | $2,883,449,000 | 260 |
| Average earning assets | $2,667,786,200 | 255 |
| Average equity | $239,490,600 | 330 |
| Average total loans | $1,995,614,800 | 254 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6581% | 5,284 |
| Cost of funding earning assets | 0.6293% | 2,556 |
| Net interest margin | 3.0288% | 5,525 |
| Noninterest income to average assets | 1.1893% | 1,039 |
| Noninterest expense to average assets | 2.5283% | 4,629 |
| Loan and lease loss provision to assets | 0.1872% | 1,950 |
| Net operating income to assets | 0.8580% | 3,056 |
| Return on assets (ROA) | 0.8577% | 3,167 |
| Pretax return on assets | 1.2668% | 2,456 |
| Return on Equity (ROE) | 10.2253% | 2,093 |
| Retained earnings to average equity (ytd only) | 6.4070% | 2,183 |
| Net charge-offs to loans | -0.0402% | 6,243 |
| Credit loss provision to net charge-offs | -668.8963% | 6,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4641% | 4,891 |
| Assets per employee ($millions) | 6.5994% | 895 |
| Cash dividends to net income (ytd only)* | 37.3418% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 2,472 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 4,938 |
| Noncurrent loans to loans | 0.4363% | 5,107 |
| Net loans and leases to total assets | 67.3569% | 2,403 |
| Net loans and leases to deposits | 88.9160% | 1,279 |
| Net loans and leases to core deposits | 93.6067% | 1,609 |
| Total domestic deposits to total assets | 75.7534% | 6,199 |
| Equity capital to assets | 8.1817% | 6,022 |
| Core capital (leverage) ratio | 8.8018% | 5,412 |
| Tier 1 risk-based capital ratio | 10.5164% | 6,446 |
| Total risk-based capital ratio | 11.7680% | 6,416 |
| Memoranda: | ||
| Average total assets | $2,849,193,500 | 265 |
| Average earning assets | $2,627,755,750 | 259 |
| Average equity | $238,983,250 | 329 |
| Average total loans | $1,984,132,250 | 253 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6285% | 5,356 |
| Cost of funding earning assets | 0.6444% | 2,548 |
| Net interest margin | 2.9841% | 5,600 |
| Noninterest income to average assets | 1.0964% | 1,262 |
| Noninterest expense to average assets | 2.4813% | 4,800 |
| Loan and lease loss provision to assets | 0.1422% | 2,554 |
| Net operating income to assets | 0.8343% | 3,126 |
| Return on assets (ROA) | 0.8343% | 3,279 |
| Pretax return on assets | 1.2300% | 2,561 |
| Return on Equity (ROE) | 9.8617% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.3375% | 2,240 |
| Net charge-offs to loans | -0.0778% | 6,422 |
| Credit loss provision to net charge-offs | -261.0966% | 5,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3706% | 4,817 |
| Assets per employee ($millions) | 6.2482% | 1,050 |
| Cash dividends to net income (ytd only)* | 35.7362% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 2,901 |
| Loan loss allowance to noncurrent loans | 329.2685% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 3,864 |
| Noncurrent loans to loans | 0.5069% | 5,002 |
| Net loans and leases to total assets | 72.8587% | 1,430 |
| Net loans and leases to deposits | 97.3346% | 587 |
| Net loans and leases to core deposits | 99.6044% | 1,111 |
| Total domestic deposits to total assets | 74.8538% | 6,371 |
| Equity capital to assets | 8.7676% | 5,477 |
| Core capital (leverage) ratio | 8.6447% | 5,492 |
| Tier 1 risk-based capital ratio | 10.4768% | 6,512 |
| Total risk-based capital ratio | 11.7250% | 6,490 |
| Memoranda: | ||
| Average total assets | $2,813,409,000 | 268 |
| Average earning assets | $2,599,466,000 | 258 |
| Average equity | $238,012,000 | 329 |
| Average total loans | $1,969,908,000 | 255 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 5,771 |
| Cost of funding earning assets | 0.6463% | 2,694 |
| Net interest margin | 2.8289% | 5,976 |
| Noninterest income to average assets | 1.0331% | 1,388 |
| Noninterest expense to average assets | 2.4157% | 5,074 |
| Loan and lease loss provision to assets | 0.1397% | 2,497 |
| Net operating income to assets | 0.7315% | 3,531 |
| Return on assets (ROA) | 0.7315% | 3,669 |
| Pretax return on assets | 1.0823% | 3,024 |
| Return on Equity (ROE) | 8.7981% | 2,578 |
| Retained earnings to average equity (ytd only) | 6.1946% | 2,574 |
| Net charge-offs to loans | 0.0578% | 3,244 |
| Credit loss provision to net charge-offs | 354.6099% | 701 |
| Earnings coverage of net charge-offs (x) | 31.0284% | 948 |
| Efficiency ratio | 66.3890% | 4,598 |
| Assets per employee ($millions) | 6.9758% | 774 |
| Cash dividends to net income (ytd only)* | 29.5914% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 3,406 |
| Loan loss allowance to noncurrent loans | 288.2725% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0129% | 3,901 |
| Noncurrent loans to loans | 0.5543% | 5,054 |
| Net loans and leases to total assets | 68.3015% | 1,956 |
| Net loans and leases to deposits | 91.3852% | 861 |
| Net loans and leases to core deposits | 94.1824% | 1,335 |
| Total domestic deposits to total assets | 74.7402% | 6,485 |
| Equity capital to assets | 8.4399% | 6,069 |
| Core capital (leverage) ratio | 8.2733% | 5,854 |
| Tier 1 risk-based capital ratio | 10.5972% | 6,553 |
| Total risk-based capital ratio | 11.8471% | 6,522 |
| Memoranda: | ||
| Average total assets | $2,864,258,500 | 264 |
| Average earning assets | $2,637,081,500 | 256 |
| Average equity | $238,142,000 | 333 |
| Average total loans | $1,950,236,000 | 260 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 6,080 |
| Cost of funding earning assets | 0.7576% | 3,033 |
| Net interest margin | 2.9265% | 6,179 |
| Noninterest income to average assets | 0.9599% | 1,668 |
| Noninterest expense to average assets | 2.4518% | 5,249 |
| Loan and lease loss provision to assets | 0.2380% | 2,753 |
| Net operating income to assets | 0.6839% | 3,813 |
| Return on assets (ROA) | 0.6843% | 4,076 |
| Pretax return on assets | 0.9811% | 3,614 |
| Return on Equity (ROE) | 8.2847% | 2,970 |
| Retained earnings to average equity (ytd only) | 3.8016% | 3,536 |
| Net charge-offs to loans | 0.3674% | 2,794 |
| Credit loss provision to net charge-offs | 97.3183% | 3,186 |
| Earnings coverage of net charge-offs (x) | 4.9814% | 3,188 |
| Efficiency ratio | 66.7131% | 4,375 |
| Assets per employee ($millions) | 7.0130% | 759 |
| Cash dividends to net income (ytd only)* | 54.1126% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,349 |
| Loan loss allowance to noncurrent loans | 228.5184% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 3,841 |
| Noncurrent loans to loans | 0.6977% | 4,797 |
| Net loans and leases to total assets | 65.7249% | 2,570 |
| Net loans and leases to deposits | 87.9250% | 1,290 |
| Net loans and leases to core deposits | 90.6093% | 1,764 |
| Total domestic deposits to total assets | 74.7511% | 6,468 |
| Equity capital to assets | 8.1909% | 6,289 |
| Core capital (leverage) ratio | 7.9913% | 6,199 |
| Tier 1 risk-based capital ratio | 10.7039% | 6,472 |
| Total risk-based capital ratio | 11.9529% | 6,437 |
| Memoranda: | ||
| Average total assets | $2,835,558,000 | 257 |
| Average earning assets | $2,626,137,800 | 249 |
| Average equity | $234,216,200 | 327 |
| Average total loans | $1,888,030,800 | 260 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 6,248 |
| Cost of funding earning assets | 0.7777% | 3,134 |
| Net interest margin | 2.9068% | 6,348 |
| Noninterest income to average assets | 0.8972% | 1,835 |
| Noninterest expense to average assets | 2.3854% | 5,440 |
| Loan and lease loss provision to assets | 0.2539% | 2,539 |
| Net operating income to assets | 0.6733% | 4,031 |
| Return on assets (ROA) | 0.6739% | 4,298 |
| Pretax return on assets | 0.9598% | 3,877 |
| Return on Equity (ROE) | 8.1412% | 3,216 |
| Retained earnings to average equity (ytd only) | 4.7184% | 3,584 |
| Net charge-offs to loans | 0.2588% | 3,175 |
| Credit loss provision to net charge-offs | 147.4623% | 1,924 |
| Earnings coverage of net charge-offs (x) | 7.0431% | 2,669 |
| Efficiency ratio | 66.2933% | 4,398 |
| Assets per employee ($millions) | 7.7446% | 529 |
| Cash dividends to net income (ytd only)* | 42.0429% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7267% | 3,048 |
| Loan loss allowance to noncurrent loans | 209.9024% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 1.1958% | 3,893 |
| Noncurrent loans to loans | 0.8226% | 4,773 |
| Net loans and leases to total assets | 57.8809% | 4,153 |
| Net loans and leases to deposits | 75.2240% | 3,106 |
| Net loans and leases to core deposits | 77.1850% | 3,584 |
| Total domestic deposits to total assets | 76.9448% | 6,240 |
| Equity capital to assets | 7.4137% | 6,787 |
| Core capital (leverage) ratio | 8.5044% | 5,745 |
| Tier 1 risk-based capital ratio | 11.0060% | 6,477 |
| Total risk-based capital ratio | 12.2561% | 6,460 |
| Memoranda: | ||
| Average total assets | $2,822,108,500 | 260 |
| Average earning assets | $2,622,392,000 | 249 |
| Average equity | $233,604,500 | 327 |
| Average total loans | $1,877,589,750 | 258 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8842% | 5,946 |
| Cost of funding earning assets | 0.8367% | 2,894 |
| Net interest margin | 3.0475% | 6,128 |
| Noninterest income to average assets | 0.8889% | 1,824 |
| Noninterest expense to average assets | 2.5093% | 5,108 |
| Loan and lease loss provision to assets | 0.2972% | 2,203 |
| Net operating income to assets | 0.6418% | 4,153 |
| Return on assets (ROA) | 0.6428% | 4,398 |
| Pretax return on assets | 0.9078% | 4,049 |
| Return on Equity (ROE) | 7.4554% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.5482% | 3,580 |
| Net charge-offs to loans | 0.3857% | 2,480 |
| Credit loss provision to net charge-offs | 110.7726% | 2,453 |
| Earnings coverage of net charge-offs (x) | 4.4860% | 3,066 |
| Efficiency ratio | 67.5806% | 4,215 |
| Assets per employee ($millions) | 6.5303% | 940 |
| Cash dividends to net income (ytd only)* | 38.9942% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 3,527 |
| Loan loss allowance to noncurrent loans | 189.9467% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 1.5016% | 3,446 |
| Noncurrent loans to loans | 0.8533% | 4,812 |
| Net loans and leases to total assets | 70.8826% | 1,758 |
| Net loans and leases to deposits | 98.3382% | 507 |
| Net loans and leases to core deposits | 103.8800% | 868 |
| Total domestic deposits to total assets | 72.0804% | 6,799 |
| Equity capital to assets | 8.7087% | 6,017 |
| Core capital (leverage) ratio | 8.5760% | 5,548 |
| Tier 1 risk-based capital ratio | 10.6573% | 6,637 |
| Total risk-based capital ratio | 11.9062% | 6,625 |
| Memoranda: | ||
| Average total assets | $2,691,474,000 | 272 |
| Average earning assets | $2,494,213,670 | 262 |
| Average equity | $232,046,670 | 329 |
| Average total loans | $1,872,457,670 | 257 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8279% | 6,190 |
| Cost of funding earning assets | 0.8708% | 2,909 |
| Net interest margin | 2.9571% | 6,377 |
| Noninterest income to average assets | 0.8654% | 1,888 |
| Noninterest expense to average assets | 2.4252% | 5,389 |
| Loan and lease loss provision to assets | 0.2226% | 2,723 |
| Net operating income to assets | 0.6747% | 4,009 |
| Return on assets (ROA) | 0.6747% | 4,222 |
| Pretax return on assets | 0.9587% | 3,838 |
| Return on Equity (ROE) | 7.8651% | 3,341 |
| Retained earnings to average equity (ytd only) | 6.5675% | 2,644 |
| Net charge-offs to loans | 0.0662% | 3,827 |
| Credit loss provision to net charge-offs | 491.8033% | 661 |
| Earnings coverage of net charge-offs (x) | 26.0984% | 1,011 |
| Efficiency ratio | 67.2441% | 4,313 |
| Assets per employee ($millions) | 6.6105% | 927 |
| Cash dividends to net income (ytd only)* | 16.4980% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7042% | 3,334 |
| Loan loss allowance to noncurrent loans | 187.9406% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 1.9295% | 3,003 |
| Noncurrent loans to loans | 0.9068% | 4,855 |
| Net loans and leases to total assets | 68.5879% | 2,011 |
| Net loans and leases to deposits | 96.3146% | 514 |
| Net loans and leases to core deposits | 100.4878% | 960 |
| Total domestic deposits to total assets | 71.2123% | 6,924 |
| Equity capital to assets | 8.6175% | 5,971 |
| Core capital (leverage) ratio | 8.5398% | 5,523 |
| Tier 1 risk-based capital ratio | 10.8084% | 6,618 |
| Total risk-based capital ratio | 12.0584% | 6,605 |
| Memoranda: | ||
| Average total assets | $2,695,227,000 | 269 |
| Average earning assets | $2,498,379,000 | 258 |
| Average equity | $231,200,000 | 324 |
| Average total loans | $1,841,781,500 | 257 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 6,234 |
| Cost of funding earning assets | 1.0452% | 3,063 |
| Net interest margin | 3.0781% | 6,390 |
| Noninterest income to average assets | 0.9301% | 1,572 |
| Noninterest expense to average assets | 2.4452% | 5,650 |
| Loan and lease loss provision to assets | 0.3313% | 3,036 |
| Net operating income to assets | 0.7096% | 3,439 |
| Return on assets (ROA) | 0.7152% | 3,594 |
| Pretax return on assets | 1.0216% | 3,160 |
| Return on Equity (ROE) | 8.2973% | 2,767 |
| Retained earnings to average equity (ytd only) | 3.9402% | 3,394 |
| Net charge-offs to loans | 0.3935% | 3,448 |
| Credit loss provision to net charge-offs | 123.1739% | 2,562 |
| Earnings coverage of net charge-offs (x) | 5.0003% | 2,921 |
| Efficiency ratio | 64.5167% | 5,036 |
| Assets per employee ($millions) | 6.6835% | 866 |
| Cash dividends to net income (ytd only)* | 52.5125% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 3,114 |
| Loan loss allowance to noncurrent loans | 221.0038% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 1.8990% | 3,107 |
| Noncurrent loans to loans | 0.7795% | 5,123 |
| Net loans and leases to total assets | 65.7316% | 2,834 |
| Net loans and leases to deposits | 95.0792% | 739 |
| Net loans and leases to core deposits | 100.1148% | 1,166 |
| Total domestic deposits to total assets | 69.1335% | 7,028 |
| Equity capital to assets | 8.5385% | 6,091 |
| Core capital (leverage) ratio | 8.2345% | 5,945 |
| Tier 1 risk-based capital ratio | 11.1080% | 6,399 |
| Total risk-based capital ratio | 12.3575% | 6,378 |
| Memoranda: | ||
| Average total assets | $2,595,990,600 | 273 |
| Average earning assets | $2,411,989,600 | 263 |
| Average equity | $223,771,400 | 317 |
| Average total loans | $1,774,174,000 | 257 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 6,334 |
| Cost of funding earning assets | 1.0823% | 3,095 |
| Net interest margin | 3.0561% | 6,479 |
| Noninterest income to average assets | 0.9044% | 1,634 |
| Noninterest expense to average assets | 2.4264% | 5,699 |
| Loan and lease loss provision to assets | 0.3523% | 2,756 |
| Net operating income to assets | 0.6826% | 3,700 |
| Return on assets (ROA) | 0.6901% | 3,842 |
| Pretax return on assets | 0.9798% | 3,476 |
| Return on Equity (ROE) | 7.9868% | 3,044 |
| Retained earnings to average equity (ytd only) | 4.8424% | 3,286 |
| Net charge-offs to loans | 0.5179% | 2,685 |
| Credit loss provision to net charge-offs | 98.9955% | 3,449 |
| Earnings coverage of net charge-offs (x) | 3.7126% | 3,325 |
| Efficiency ratio | 64.7436% | 4,946 |
| Assets per employee ($millions) | 6.4648% | 964 |
| Cash dividends to net income (ytd only)* | 39.3694% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 3,525 |
| Loan loss allowance to noncurrent loans | 145.5517% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 2.1560% | 2,963 |
| Noncurrent loans to loans | 1.1207% | 4,673 |
| Net loans and leases to total assets | 67.2478% | 2,625 |
| Net loans and leases to deposits | 96.9742% | 644 |
| Net loans and leases to core deposits | 102.5878% | 1,064 |
| Total domestic deposits to total assets | 69.3461% | 7,069 |
| Equity capital to assets | 8.7253% | 6,057 |
| Core capital (leverage) ratio | 8.6541% | 5,479 |
| Tier 1 risk-based capital ratio | 11.2121% | 6,422 |
| Total risk-based capital ratio | 12.4621% | 6,403 |
| Memoranda: | ||
| Average total assets | $2,573,298,000 | 275 |
| Average earning assets | $2,394,110,250 | 264 |
| Average equity | $222,362,250 | 324 |
| Average total loans | $1,768,465,750 | 257 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 6,344 |
| Cost of funding earning assets | 1.1221% | 3,089 |
| Net interest margin | 3.0475% | 6,510 |
| Noninterest income to average assets | 0.8151% | 1,949 |
| Noninterest expense to average assets | 2.4288% | 5,752 |
| Loan and lease loss provision to assets | 0.3912% | 2,459 |
| Net operating income to assets | 0.6043% | 4,046 |
| Return on assets (ROA) | 0.6041% | 4,184 |
| Pretax return on assets | 0.8394% | 3,871 |
| Return on Equity (ROE) | 7.0145% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.6342% | 3,234 |
| Net charge-offs to loans | 0.6088% | 2,303 |
| Credit loss provision to net charge-offs | 93.3358% | 3,366 |
| Earnings coverage of net charge-offs (x) | 2.9365% | 3,379 |
| Efficiency ratio | 66.3673% | 4,810 |
| Assets per employee ($millions) | 6.1601% | 1,091 |
| Cash dividends to net income (ytd only)* | 33.9334% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 3,554 |
| Loan loss allowance to noncurrent loans | 145.4212% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 2.2043% | 2,976 |
| Noncurrent loans to loans | 1.1250% | 4,780 |
| Net loans and leases to total assets | 70.0145% | 2,215 |
| Net loans and leases to deposits | 104.1432% | 314 |
| Net loans and leases to core deposits | 110.5259% | 708 |
| Total domestic deposits to total assets | 67.2291% | 7,229 |
| Equity capital to assets | 9.0510% | 5,505 |
| Core capital (leverage) ratio | 8.7118% | 5,208 |
| Tier 1 risk-based capital ratio | 11.2765% | 6,333 |
| Total risk-based capital ratio | 12.5257% | 6,335 |
| Memoranda: | ||
| Average total assets | $2,556,155,000 | 279 |
| Average earning assets | $2,385,982,000 | 266 |
| Average equity | $220,145,000 | 330 |
| Average total loans | $1,759,840,670 | 263 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 6,408 |
| Cost of funding earning assets | 1.1431% | 3,207 |
| Net interest margin | 3.0005% | 6,572 |
| Noninterest income to average assets | 0.9585% | 1,435 |
| Noninterest expense to average assets | 2.4619% | 5,701 |
| Loan and lease loss provision to assets | 0.3861% | 2,251 |
| Net operating income to assets | 0.6597% | 3,707 |
| Return on assets (ROA) | 0.6593% | 3,781 |
| Pretax return on assets | 0.9227% | 3,419 |
| Return on Equity (ROE) | 7.8477% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.8477% | 1,793 |
| Net charge-offs to loans | 0.1751% | 3,443 |
| Credit loss provision to net charge-offs | 325.5208% | 1,003 |
| Earnings coverage of net charge-offs (x) | 11.0378% | 1,585 |
| Efficiency ratio | 65.2824% | 5,155 |
| Assets per employee ($millions) | 6.5193% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 3,157 |
| Loan loss allowance to noncurrent loans | 139.5276% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 2.1284% | 3,150 |
| Noncurrent loans to loans | 1.2573% | 4,586 |
| Net loans and leases to total assets | 68.9665% | 2,330 |
| Net loans and leases to deposits | 100.7080% | 431 |
| Net loans and leases to core deposits | 107.1428% | 888 |
| Total domestic deposits to total assets | 68.4816% | 7,253 |
| Equity capital to assets | 8.7243% | 5,618 |
| Core capital (leverage) ratio | 8.3219% | 5,769 |
| Tier 1 risk-based capital ratio | 11.3197% | 6,237 |
| Total risk-based capital ratio | 12.5696% | 6,222 |
| Memoranda: | ||
| Average total assets | $2,589,896,500 | 277 |
| Average earning assets | $2,427,696,000 | 264 |
| Average equity | $217,592,500 | 333 |
| Average total loans | $1,754,054,500 | 265 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 6,484 |
| Cost of funding earning assets | 1.3522% | 3,556 |
| Net interest margin | 3.1116% | 6,494 |
| Noninterest income to average assets | 0.9316% | 1,736 |
| Noninterest expense to average assets | 2.4955% | 5,817 |
| Loan and lease loss provision to assets | 0.4811% | 3,248 |
| Net operating income to assets | 0.6099% | 3,629 |
| Return on assets (ROA) | 0.6186% | 3,756 |
| Pretax return on assets | 0.8639% | 3,429 |
| Return on Equity (ROE) | 7.1517% | 3,048 |
| Retained earnings to average equity (ytd only) | 3.6706% | 3,286 |
| Net charge-offs to loans | 0.4744% | 3,718 |
| Credit loss provision to net charge-offs | 146.9688% | 2,495 |
| Earnings coverage of net charge-offs (x) | 4.0723% | 3,081 |
| Efficiency ratio | 65.1822% | 5,130 |
| Assets per employee ($millions) | 6.6255% | 894 |
| Cash dividends to net income (ytd only)* | 48.6746% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 3,260 |
| Loan loss allowance to noncurrent loans | 128.7601% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 2.0693% | 3,263 |
| Noncurrent loans to loans | 1.3117% | 4,521 |
| Net loans and leases to total assets | 64.2760% | 3,816 |
| Net loans and leases to deposits | 94.8075% | 982 |
| Net loans and leases to core deposits | 101.7263% | 1,476 |
| Total domestic deposits to total assets | 67.7963% | 7,332 |
| Equity capital to assets | 8.0951% | 6,388 |
| Core capital (leverage) ratio | 8.2416% | 5,764 |
| Tier 1 risk-based capital ratio | 11.3064% | 6,083 |
| Total risk-based capital ratio | 12.5558% | 6,074 |
| Memoranda: | ||
| Average total assets | $2,494,379,400 | 290 |
| Average earning assets | $2,322,254,200 | 277 |
| Average equity | $215,738,800 | 331 |
| Average total loans | $1,720,961,600 | 277 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 6,462 |
| Cost of funding earning assets | 1.3898% | 3,636 |
| Net interest margin | 3.1628% | 6,448 |
| Noninterest income to average assets | 0.9327% | 1,678 |
| Noninterest expense to average assets | 2.5206% | 5,635 |
| Loan and lease loss provision to assets | 0.4809% | 3,066 |
| Net operating income to assets | 0.6219% | 3,785 |
| Return on assets (ROA) | 0.6337% | 3,903 |
| Pretax return on assets | 0.8834% | 3,614 |
| Return on Equity (ROE) | 7.2018% | 3,255 |
| Retained earnings to average equity (ytd only) | 4.8866% | 3,064 |
| Net charge-offs to loans | 0.4377% | 3,546 |
| Credit loss provision to net charge-offs | 157.0263% | 2,434 |
| Earnings coverage of net charge-offs (x) | 4.4015% | 3,067 |
| Efficiency ratio | 65.1568% | 5,025 |
| Assets per employee ($millions) | 6.3106% | 1,068 |
| Cash dividends to net income (ytd only)* | 32.1471% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 3,233 |
| Loan loss allowance to noncurrent loans | 156.7950% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 2.0886% | 3,354 |
| Noncurrent loans to loans | 1.0690% | 5,101 |
| Net loans and leases to total assets | 66.5684% | 3,554 |
| Net loans and leases to deposits | 101.2068% | 572 |
| Net loans and leases to core deposits | 110.6787% | 1,000 |
| Total domestic deposits to total assets | 65.7747% | 7,478 |
| Equity capital to assets | 8.7180% | 5,984 |
| Core capital (leverage) ratio | 8.4532% | 5,594 |
| Tier 1 risk-based capital ratio | 11.6643% | 5,766 |
| Total risk-based capital ratio | 12.9143% | 5,749 |
| Memoranda: | ||
| Average total assets | $2,453,764,000 | 290 |
| Average earning assets | $2,277,680,000 | 278 |
| Average equity | $215,904,750 | 319 |
| Average total loans | $1,716,940,000 | 276 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 6,428 |
| Cost of funding earning assets | 1.3910% | 3,932 |
| Net interest margin | 3.2204% | 6,254 |
| Noninterest income to average assets | 0.8619% | 1,833 |
| Noninterest expense to average assets | 2.5179% | 5,655 |
| Loan and lease loss provision to assets | 0.6260% | 2,293 |
| Net operating income to assets | 0.5279% | 4,208 |
| Return on assets (ROA) | 0.5462% | 4,253 |
| Pretax return on assets | 0.7368% | 4,119 |
| Return on Equity (ROE) | 6.1875% | 3,706 |
| Retained earnings to average equity (ytd only) | 4.4407% | 3,247 |
| Net charge-offs to loans | 0.6074% | 2,715 |
| Credit loss provision to net charge-offs | 145.6497% | 2,720 |
| Earnings coverage of net charge-offs (x) | 3.1133% | 3,446 |
| Efficiency ratio | 65.2988% | 5,104 |
| Assets per employee ($millions) | 6.3619% | 1,023 |
| Cash dividends to net income (ytd only)* | 28.2310% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 3,451 |
| Loan loss allowance to noncurrent loans | 149.4854% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 2.1251% | 3,343 |
| Noncurrent loans to loans | 1.0691% | 5,177 |
| Net loans and leases to total assets | 67.9779% | 3,368 |
| Net loans and leases to deposits | 101.3318% | 635 |
| Net loans and leases to core deposits | 112.7328% | 991 |
| Total domestic deposits to total assets | 67.0845% | 7,477 |
| Equity capital to assets | 8.5756% | 6,053 |
| Core capital (leverage) ratio | 8.6054% | 5,228 |
| Tier 1 risk-based capital ratio | 11.3143% | 5,929 |
| Total risk-based capital ratio | 12.5635% | 5,915 |
| Memoranda: | ||
| Average total assets | $2,428,172,670 | 292 |
| Average earning assets | $2,257,504,330 | 282 |
| Average equity | $214,335,330 | 320 |
| Average total loans | $1,718,168,000 | 277 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 6,418 |
| Cost of funding earning assets | 1.4029% | 4,151 |
| Net interest margin | 3.2446% | 6,146 |
| Noninterest income to average assets | 1.0671% | 1,117 |
| Noninterest expense to average assets | 2.6280% | 5,237 |
| Loan and lease loss provision to assets | 0.5043% | 2,479 |
| Net operating income to assets | 0.6783% | 3,533 |
| Return on assets (ROA) | 0.6783% | 3,650 |
| Pretax return on assets | 0.9523% | 3,255 |
| Return on Equity (ROE) | 7.5701% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.5701% | 1,894 |
| Net charge-offs to loans | 0.3174% | 3,143 |
| Credit loss provision to net charge-offs | 221.7295% | 1,702 |
| Earnings coverage of net charge-offs (x) | 6.4043% | 2,229 |
| Efficiency ratio | 64.3386% | 5,428 |
| Assets per employee ($millions) | 6.0788% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 3,483 |
| Loan loss allowance to noncurrent loans | 85.3130% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 2.5783% | 2,828 |
| Noncurrent loans to loans | 1.8671% | 3,973 |
| Net loans and leases to total assets | 70.7485% | 2,749 |
| Net loans and leases to deposits | 107.4031% | 364 |
| Net loans and leases to core deposits | 117.8307% | 877 |
| Total domestic deposits to total assets | 65.8719% | 7,620 |
| Equity capital to assets | 9.0681% | 5,177 |
| Core capital (leverage) ratio | 8.7230% | 4,982 |
| Tier 1 risk-based capital ratio | 11.7068% | 5,486 |
| Total risk-based capital ratio | 12.9595% | 5,433 |
| Memoranda: | ||
| Average total assets | $2,379,430,000 | 307 |
| Average earning assets | $2,212,918,000 | 294 |
| Average equity | $213,207,500 | 328 |
| Average total loans | $1,704,864,500 | 289 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 7,172 |
| Cost of funding earning assets | 1.6143% | 4,971 |
| Net interest margin | 3.0629% | 6,483 |
| Noninterest income to average assets | 0.9276% | 1,840 |
| Noninterest expense to average assets | 2.2866% | 6,786 |
| Loan and lease loss provision to assets | 0.9399% | 2,399 |
| Net operating income to assets | 0.4274% | 4,020 |
| Return on assets (ROA) | 0.4812% | 3,903 |
| Pretax return on assets | 0.6284% | 3,816 |
| Return on Equity (ROE) | 6.4976% | 2,996 |
| Retained earnings to average equity (ytd only) | 2.8932% | 3,152 |
| Net charge-offs to loans | 0.9008% | 2,587 |
| Credit loss provision to net charge-offs | 155.2245% | 2,927 |
| Earnings coverage of net charge-offs (x) | 2.4746% | 3,885 |
| Efficiency ratio | 60.4122% | 6,415 |
| Assets per employee ($millions) | 6.0921% | 1,191 |
| Cash dividends to net income (ytd only)* | 55.4720% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 3,753 |
| Loan loss allowance to noncurrent loans | 75.2923% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 2.7245% | 2,566 |
| Noncurrent loans to loans | 1.9863% | 3,665 |
| Net loans and leases to total assets | 70.3404% | 3,171 |
| Net loans and leases to deposits | 105.6019% | 575 |
| Net loans and leases to core deposits | 119.3072% | 2,002 |
| Total domestic deposits to total assets | 66.6090% | 7,619 |
| Equity capital to assets | 8.8536% | 5,353 |
| Core capital (leverage) ratio | 8.0591% | 6,065 |
| Tier 1 risk-based capital ratio | 11.4009% | 5,508 |
| Total risk-based capital ratio | 12.6422% | 5,475 |
| Memoranda: | ||
| Average total assets | $2,516,172,200 | 292 |
| Average earning assets | $2,347,437,600 | 282 |
| Average equity | $186,330,800 | 371 |
| Average total loans | $1,691,459,400 | 301 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 7,419 |
| Cost of funding earning assets | 1.6464% | 5,179 |
| Net interest margin | 2.9520% | 6,727 |
| Noninterest income to average assets | 0.9573% | 1,751 |
| Noninterest expense to average assets | 2.3166% | 6,654 |
| Loan and lease loss provision to assets | 0.7849% | 2,410 |
| Net operating income to assets | 0.4621% | 4,154 |
| Return on assets (ROA) | 0.5024% | 4,065 |
| Pretax return on assets | 0.6679% | 3,962 |
| Return on Equity (ROE) | 7.1102% | 3,022 |
| Retained earnings to average equity (ytd only) | 4.7370% | 2,638 |
| Net charge-offs to loans | 0.5991% | 2,881 |
| Credit loss provision to net charge-offs | 197.7587% | 2,268 |
| Earnings coverage of net charge-offs (x) | 3.5250% | 3,496 |
| Efficiency ratio | 62.3486% | 6,048 |
| Assets per employee ($millions) | 6.7384% | 882 |
| Cash dividends to net income (ytd only)* | 33.3785% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 3,650 |
| Loan loss allowance to noncurrent loans | 64.1348% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 2.9261% | 2,367 |
| Noncurrent loans to loans | 2.2740% | 3,301 |
| Net loans and leases to total assets | 62.6808% | 5,120 |
| Net loans and leases to deposits | 94.7217% | 1,762 |
| Net loans and leases to core deposits | 106.7304% | 3,618 |
| Total domestic deposits to total assets | 66.1737% | 7,676 |
| Equity capital to assets | 7.2629% | 7,450 |
| Core capital (leverage) ratio | 7.2550% | 7,221 |
| Tier 1 risk-based capital ratio | 10.3666% | 6,606 |
| Total risk-based capital ratio | 11.6188% | 6,542 |
| Memoranda: | ||
| Average total assets | $2,548,187,000 | 301 |
| Average earning assets | $2,381,005,000 | 291 |
| Average equity | $180,055,000 | 387 |
| Average total loans | $1,687,996,500 | 318 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 7,231 |
| Cost of funding earning assets | 1.7640% | 4,936 |
| Net interest margin | 3.0352% | 6,451 |
| Noninterest income to average assets | 1.0319% | 1,494 |
| Noninterest expense to average assets | 2.4445% | 6,319 |
| Loan and lease loss provision to assets | 0.8144% | 2,055 |
| Net operating income to assets | 0.4576% | 4,264 |
| Return on assets (ROA) | 0.5204% | 4,132 |
| Pretax return on assets | 0.6937% | 4,022 |
| Return on Equity (ROE) | 7.8099% | 2,851 |
| Retained earnings to average equity (ytd only) | 5.9815% | 2,030 |
| Net charge-offs to loans | 0.8307% | 2,033 |
| Credit loss provision to net charge-offs | 146.9871% | 3,149 |
| Earnings coverage of net charge-offs (x) | 2.5708% | 3,782 |
| Efficiency ratio | 63.1817% | 6,060 |
| Assets per employee ($millions) | 6.5928% | 930 |
| Cash dividends to net income (ytd only)* | 23.4116% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,125 |
| Loan loss allowance to noncurrent loans | 104.9276% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 2.1670% | 2,977 |
| Noncurrent loans to loans | 1.1183% | 4,982 |
| Net loans and leases to total assets | 64.6227% | 4,852 |
| Net loans and leases to deposits | 94.7214% | 1,990 |
| Net loans and leases to core deposits | 108.1702% | 3,591 |
| Total domestic deposits to total assets | 68.2240% | 7,606 |
| Equity capital to assets | 7.0210% | 7,609 |
| Core capital (leverage) ratio | 6.7438% | 7,682 |
| Tier 1 risk-based capital ratio | 9.8602% | 7,075 |
| Total risk-based capital ratio | 11.0009% | 7,126 |
| Memoranda: | ||
| Average total assets | $2,455,930,000 | 320 |
| Average earning assets | $2,295,629,670 | 313 |
| Average equity | $163,639,000 | 437 |
| Average total loans | $1,638,212,330 | 334 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 7,291 |
| Cost of funding earning assets | 1.8076% | 5,079 |
| Net interest margin | 3.0411% | 6,369 |
| Noninterest income to average assets | 1.2004% | 1,003 |
| Noninterest expense to average assets | 2.3588% | 6,342 |
| Loan and lease loss provision to assets | 0.8206% | 1,575 |
| Net operating income to assets | 0.6360% | 3,860 |
| Return on assets (ROA) | 0.6360% | 4,042 |
| Pretax return on assets | 0.8670% | 3,837 |
| Return on Equity (ROE) | 9.8143% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.8143% | 1,243 |
| Net charge-offs to loans | 0.7630% | 1,679 |
| Credit loss provision to net charge-offs | 159.6234% | 2,651 |
| Earnings coverage of net charge-offs (x) | 3.2828% | 3,221 |
| Efficiency ratio | 58.2945% | 6,653 |
| Assets per employee ($millions) | 6.6914% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 5,666 |
| Loan loss allowance to noncurrent loans | 42.1146% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 2.4564% | 2,333 |
| Noncurrent loans to loans | 2.5479% | 2,587 |
| Net loans and leases to total assets | 65.5477% | 4,687 |
| Net loans and leases to deposits | 99.2205% | 1,509 |
| Net loans and leases to core deposits | 111.6296% | 3,247 |
| Total domestic deposits to total assets | 66.0627% | 7,728 |
| Equity capital to assets | 6.4014% | 7,903 |
| Core capital (leverage) ratio | 6.2502% | 7,955 |
| Tier 1 risk-based capital ratio | 8.8303% | 7,869 |
| Total risk-based capital ratio | 10.4523% | 7,659 |
| Memoranda: | ||
| Average total assets | $2,437,859,000 | 321 |
| Average earning assets | $2,281,434,000 | 314 |
| Average equity | $157,974,000 | 449 |
| Average total loans | $1,642,536,000 | 334 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6669% | 6,880 |
| Cost of funding earning assets | 2.5587% | 3,909 |
| Net interest margin | 3.1082% | 6,629 |
| Noninterest income to average assets | 0.9673% | 1,702 |
| Noninterest expense to average assets | 2.2816% | 6,750 |
| Loan and lease loss provision to assets | 0.8651% | 1,725 |
| Net operating income to assets | 0.5234% | 4,636 |
| Return on assets (ROA) | 0.5399% | 4,421 |
| Pretax return on assets | 0.7016% | 4,394 |
| Return on Equity (ROE) | 8.0303% | 3,063 |
| Retained earnings to average equity (ytd only) | 4.6965% | 2,205 |
| Net charge-offs to loans | 0.9649% | 1,279 |
| Credit loss provision to net charge-offs | 127.3087% | 4,190 |
| Earnings coverage of net charge-offs (x) | 2.2742% | 4,943 |
| Efficiency ratio | 59.6184% | 6,416 |
| Assets per employee ($millions) | 6.5738% | 857 |
| Cash dividends to net income (ytd only)* | 41.5144% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 6,216 |
| Loan loss allowance to noncurrent loans | 42.4769% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 2.4543% | 1,974 |
| Noncurrent loans to loans | 2.3044% | 2,402 |
| Net loans and leases to total assets | 67.8835% | 4,484 |
| Net loans and leases to deposits | 105.4439% | 1,175 |
| Net loans and leases to core deposits | 115.7658% | 3,149 |
| Total domestic deposits to total assets | 64.3788% | 7,766 |
| Equity capital to assets | 6.5629% | 7,916 |
| Core capital (leverage) ratio | 6.2255% | 8,011 |
| Tier 1 risk-based capital ratio | 8.7711% | 7,923 |
| Total risk-based capital ratio | 10.3142% | 7,717 |
| Memoranda: | ||
| Average total assets | $2,230,946,800 | 324 |
| Average earning assets | $2,052,621,800 | 322 |
| Average equity | $149,982,800 | 465 |
| Average total loans | $1,571,222,200 | 337 |