Home > Broadway National Bank > Performance and Condition Ratios
Broadway National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 2,713 |
| Cost of funding earning assets | 1.4191% | 2,177 |
| Net interest margin | 3.2676% | 2,711 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.5459% | 2,167 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.1099% | 1,894 |
| Return on assets (ROA) | 1.0909% | 1,918 |
| Pretax return on assets | 1.0909% | 2,434 |
| Return on Equity (ROE) | 18.9100% | 718 |
| Retained earnings to average equity (ytd only) | 8.3457% | 1,443 |
| Net charge-offs to loans | 0.2188% | 496 |
| Credit loss provision to net charge-offs | 166.9059% | 1,367 |
| Earnings coverage of net charge-offs (x) | 10.1998% | 2,252 |
| Efficiency ratio | 65.6494% | 2,390 |
| Assets per employee ($millions) | 8.2752% | 1,293 |
| Cash dividends to net income (ytd only)* | 55.8608% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,406 |
| Loan loss allowance to noncurrent loans | 191.1808% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 1,601 |
| Noncurrent loans to loans | 0.5131% | 1,501 |
| Net loans and leases to total assets | 61.2500% | 2,733 |
| Net loans and leases to deposits | 69.1000% | 2,944 |
| Net loans and leases to core deposits | 74.6624% | 3,043 |
| Total domestic deposits to total assets | 88.6500% | 1,168 |
| Equity capital to assets | 6.4642% | 4,130 |
| Core capital (leverage) ratio | 9.6980% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7380% | 1,964 |
| Memoranda: | ||
| Average total assets | $5,335,194,400 | 264 |
| Average earning assets | $4,979,374,400 | 256 |
| Average equity | $307,809,800 | 390 |
| Average total loans | $3,185,264,800 | 288 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 2,665 |
| Cost of funding earning assets | 1.3235% | 2,081 |
| Net interest margin | 3.2808% | 2,733 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 2.5597% | 2,056 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.1502% | 1,921 |
| Return on assets (ROA) | 1.1247% | 1,957 |
| Pretax return on assets | 1.1247% | 2,490 |
| Return on Equity (ROE) | 20.1100% | 712 |
| Retained earnings to average equity (ytd only) | 10.4997% | 1,261 |
| Net charge-offs to loans | 0.1774% | 489 |
| Credit loss provision to net charge-offs | 161.8138% | 1,267 |
| Earnings coverage of net charge-offs (x) | 12.6294% | 2,061 |
| Efficiency ratio | 65.8809% | 2,294 |
| Assets per employee ($millions) | 8.0237% | 1,335 |
| Cash dividends to net income (ytd only)* | 47.7792% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 3,611 |
| Loan loss allowance to noncurrent loans | 821.5186% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 2,957 |
| Noncurrent loans to loans | 0.1139% | 3,004 |
| Net loans and leases to total assets | 61.0100% | 2,746 |
| Net loans and leases to deposits | 67.0489% | 3,050 |
| Net loans and leases to core deposits | 71.2098% | 3,154 |
| Total domestic deposits to total assets | 91.0000% | 671 |
| Equity capital to assets | 5.2333% | 4,206 |
| Core capital (leverage) ratio | 9.6418% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6317% | 2,035 |
| Memoranda: | ||
| Average total assets | $5,322,209,250 | 268 |
| Average earning assets | $4,968,064,000 | 259 |
| Average equity | $297,703,250 | 400 |
| Average total loans | $3,148,451,000 | 294 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 2,764 |
| Cost of funding earning assets | 1.1745% | 2,066 |
| Net interest margin | 3.2776% | 2,807 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 2.5409% | 2,094 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.1667% | 1,924 |
| Return on assets (ROA) | 1.1285% | 2,037 |
| Pretax return on assets | 1.1285% | 2,567 |
| Return on Equity (ROE) | 19.7500% | 736 |
| Retained earnings to average equity (ytd only) | 10.8217% | 1,219 |
| Net charge-offs to loans | 0.1381% | 546 |
| Credit loss provision to net charge-offs | 192.5408% | 1,069 |
| Earnings coverage of net charge-offs (x) | 16.5142% | 1,828 |
| Efficiency ratio | 65.6364% | 2,298 |
| Assets per employee ($millions) | 8.3897% | 1,142 |
| Cash dividends to net income (ytd only)* | 45.2113% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 3,687 |
| Loan loss allowance to noncurrent loans | 1,282.6068% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,100 |
| Noncurrent loans to loans | 0.0724% | 3,182 |
| Net loans and leases to total assets | 59.8800% | 2,781 |
| Net loans and leases to deposits | 69.5239% | 2,824 |
| Net loans and leases to core deposits | 72.6494% | 2,979 |
| Total domestic deposits to total assets | 86.1300% | 2,193 |
| Equity capital to assets | 5.7474% | 4,216 |
| Core capital (leverage) ratio | 9.6637% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3949% | 2,135 |
| Memoranda: | ||
| Average total assets | $5,325,710,667 | 261 |
| Average earning assets | $4,972,473,667 | 254 |
| Average equity | $304,277,667 | 378 |
| Average total loans | $3,107,424,000 | 286 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 2,745 |
| Cost of funding earning assets | 0.9865% | 2,090 |
| Net interest margin | 3.3351% | 2,779 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.4935% | 2,263 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.2771% | 1,732 |
| Return on assets (ROA) | 1.2005% | 1,888 |
| Pretax return on assets | 1.2005% | 2,420 |
| Return on Equity (ROE) | 21.0800% | 654 |
| Retained earnings to average equity (ytd only) | 14.0734% | 928 |
| Net charge-offs to loans | 0.0885% | 637 |
| Credit loss provision to net charge-offs | 278.9318% | 718 |
| Earnings coverage of net charge-offs (x) | 28.2700% | 1,330 |
| Efficiency ratio | 63.4953% | 2,524 |
| Assets per employee ($millions) | 8.3486% | 1,182 |
| Cash dividends to net income (ytd only)* | 33.2226% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 3,732 |
| Loan loss allowance to noncurrent loans | 2,717.0074% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,334 |
| Noncurrent loans to loans | 0.0348% | 3,497 |
| Net loans and leases to total assets | 57.6900% | 2,893 |
| Net loans and leases to deposits | 66.3402% | 2,904 |
| Net loans and leases to core deposits | 68.2685% | 3,072 |
| Total domestic deposits to total assets | 86.9700% | 2,277 |
| Equity capital to assets | 6.0604% | 4,181 |
| Core capital (leverage) ratio | 9.5796% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $5,316,458,500 | 274 |
| Average earning assets | $4,962,124,000 | 263 |
| Average equity | $302,840,000 | 389 |
| Average total loans | $3,046,137,500 | 298 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2817% | 3,634 |
| Cost of funding earning assets | 0.2240% | 3,563 |
| Net interest margin | 3.0577% | 3,294 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 2.4938% | 2,136 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2536% | 1,589 |
| Return on assets (ROA) | 1.2483% | 1,556 |
| Pretax return on assets | 1.2483% | 2,283 |
| Return on Equity (ROE) | 19.3600% | 534 |
| Retained earnings to average equity (ytd only) | 10.7618% | 942 |
| Net charge-offs to loans | 0.0423% | 1,273 |
| Credit loss provision to net charge-offs | 182.7225% | 1,175 |
| Earnings coverage of net charge-offs (x) | 59.8979% | 1,259 |
| Efficiency ratio | 65.8544% | 2,249 |
| Assets per employee ($millions) | 8.6839% | 1,021 |
| Cash dividends to net income (ytd only)* | 44.4203% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 3,564 |
| Loan loss allowance to noncurrent loans | 955.8541% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,002 |
| Noncurrent loans to loans | 0.1005% | 3,045 |
| Net loans and leases to total assets | 55.8100% | 3,049 |
| Net loans and leases to deposits | 64.5555% | 2,992 |
| Net loans and leases to core deposits | 65.8571% | 3,139 |
| Total domestic deposits to total assets | 86.4500% | 2,587 |
| Equity capital to assets | 5.3331% | 4,282 |
| Core capital (leverage) ratio | 9.2309% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $5,308,598,800 | 266 |
| Average earning assets | $4,960,543,800 | 257 |
| Average equity | $342,239,200 | 350 |
| Average total loans | $2,710,140,400 | 302 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0114% | 3,869 |
| Cost of funding earning assets | 0.0954% | 4,318 |
| Net interest margin | 2.9159% | 3,447 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 2.4491% | 2,162 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1922% | 1,728 |
| Return on assets (ROA) | 1.1967% | 1,680 |
| Pretax return on assets | 1.1967% | 2,383 |
| Return on Equity (ROE) | 17.7900% | 670 |
| Retained earnings to average equity (ytd only) | 9.9710% | 1,346 |
| Net charge-offs to loans | 0.0206% | 1,422 |
| Credit loss provision to net charge-offs | 182.8010% | 1,028 |
| Earnings coverage of net charge-offs (x) | 118.3784% | 856 |
| Efficiency ratio | 66.9150% | 2,164 |
| Assets per employee ($millions) | 8.8110% | 965 |
| Cash dividends to net income (ytd only)* | 43.9579% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 3,593 |
| Loan loss allowance to noncurrent loans | 1,310.7807% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,258 |
| Noncurrent loans to loans | 0.0744% | 3,345 |
| Net loans and leases to total assets | 53.3300% | 3,156 |
| Net loans and leases to deposits | 59.9874% | 3,201 |
| Net loans and leases to core deposits | 61.0983% | 3,295 |
| Total domestic deposits to total assets | 88.9000% | 2,132 |
| Equity capital to assets | 4.9384% | 4,308 |
| Core capital (leverage) ratio | 9.2099% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $5,304,939,750 | 266 |
| Average earning assets | $4,959,457,750 | 258 |
| Average equity | $356,825,500 | 340 |
| Average total loans | $2,637,744,500 | 302 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7882% | 3,998 |
| Cost of funding earning assets | 0.0558% | 4,560 |
| Net interest margin | 2.7324% | 3,636 |
| Noninterest income to average assets | 0.9660% | 721 |
| Noninterest expense to average assets | 2.4332% | 2,136 |
| Loan and lease loss provision to assets | 0.0026% | 2,562 |
| Net operating income to assets | 1.0832% | 1,843 |
| Return on assets (ROA) | 1.0900% | 1,794 |
| Pretax return on assets | 1.0900% | 2,442 |
| Return on Equity (ROE) | 14.8653% | 922 |
| Retained earnings to average equity (ytd only) | 8.3580% | 1,487 |
| Net charge-offs to loans | 0.0206% | 1,322 |
| Credit loss provision to net charge-offs | 26.2357% | 1,582 |
| Earnings coverage of net charge-offs (x) | 109.0304% | 778 |
| Efficiency ratio | 69.1444% | 2,083 |
| Assets per employee ($millions) | 8.5797% | 1,038 |
| Cash dividends to net income (ytd only)* | 43.7748% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,450 |
| Loan loss allowance to noncurrent loans | 1,376.9652% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,367 |
| Noncurrent loans to loans | 0.0751% | 3,423 |
| Net loans and leases to total assets | 50.1208% | 3,367 |
| Net loans and leases to deposits | 55.0398% | 3,463 |
| Net loans and leases to core deposits | 56.1707% | 3,555 |
| Total domestic deposits to total assets | 91.0629% | 1,201 |
| Equity capital to assets | 6.2527% | 4,116 |
| Core capital (leverage) ratio | 9.2008% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,281,691,333 | 263 |
| Average earning assets | $4,935,142,000 | 258 |
| Average equity | $387,292,000 | 315 |
| Average total loans | $2,552,193,333 | 306 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6131% | 4,096 |
| Cost of funding earning assets | 0.0529% | 4,577 |
| Net interest margin | 2.5602% | 3,756 |
| Noninterest income to average assets | 0.9774% | 712 |
| Noninterest expense to average assets | 2.3989% | 2,168 |
| Loan and lease loss provision to assets | -0.0141% | 4,430 |
| Net operating income to assets | 0.9873% | 1,929 |
| Return on assets (ROA) | 1.0009% | 1,876 |
| Pretax return on assets | 1.0009% | 2,434 |
| Return on Equity (ROE) | 12.7128% | 1,107 |
| Retained earnings to average equity (ytd only) | 6.8972% | 1,925 |
| Net charge-offs to loans | 0.0103% | 1,385 |
| Credit loss provision to net charge-offs | -290.6250% | 3,035 |
| Earnings coverage of net charge-offs (x) | 200.7188% | 429 |
| Efficiency ratio | 71.1404% | 2,087 |
| Assets per employee ($millions) | 8.5710% | 1,073 |
| Cash dividends to net income (ytd only)* | 45.7463% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,351 |
| Loan loss allowance to noncurrent loans | 2,790.0000% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 3,617 |
| Noncurrent loans to loans | 0.0392% | 3,692 |
| Net loans and leases to total assets | 46.9608% | 3,490 |
| Net loans and leases to deposits | 51.5087% | 3,604 |
| Net loans and leases to core deposits | 52.8366% | 3,676 |
| Total domestic deposits to total assets | 91.1706% | 944 |
| Equity capital to assets | 6.8711% | 4,276 |
| Core capital (leverage) ratio | 8.8775% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,280,004,500 | 267 |
| Average earning assets | $4,938,725,000 | 263 |
| Average equity | $415,707,500 | 305 |
| Average total loans | $2,489,992,000 | 312 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8293% | 4,166 |
| Cost of funding earning assets | 0.0680% | 4,600 |
| Net interest margin | 2.7613% | 3,750 |
| Noninterest income to average assets | 0.8564% | 1,312 |
| Noninterest expense to average assets | 2.4068% | 2,473 |
| Loan and lease loss provision to assets | 0.0108% | 2,865 |
| Net operating income to assets | 1.0277% | 2,569 |
| Return on assets (ROA) | 1.0471% | 2,566 |
| Pretax return on assets | 1.0471% | 3,132 |
| Return on Equity (ROE) | 11.3766% | 2,029 |
| Retained earnings to average equity (ytd only) | 6.6039% | 2,077 |
| Net charge-offs to loans | 0.0493% | 1,327 |
| Credit loss provision to net charge-offs | 44.2182% | 2,175 |
| Earnings coverage of net charge-offs (x) | 42.5138% | 1,400 |
| Efficiency ratio | 69.8574% | 1,748 |
| Assets per employee ($millions) | 8.6142% | 1,045 |
| Cash dividends to net income (ytd only)* | 41.9518% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,187 |
| Loan loss allowance to noncurrent loans | 1,248.1415% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,383 |
| Noncurrent loans to loans | 0.0910% | 3,472 |
| Net loans and leases to total assets | 46.3007% | 3,661 |
| Net loans and leases to deposits | 51.8617% | 3,746 |
| Net loans and leases to core deposits | 53.2321% | 3,815 |
| Total domestic deposits to total assets | 89.2772% | 1,365 |
| Equity capital to assets | 8.8917% | 3,725 |
| Core capital (leverage) ratio | 8.8293% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,027,063,200 | 271 |
| Average earning assets | $4,713,406,400 | 263 |
| Average equity | $462,697,000 | 286 |
| Average total loans | $2,490,103,200 | 305 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8751% | 4,205 |
| Cost of funding earning assets | 0.0723% | 4,677 |
| Net interest margin | 2.8028% | 3,777 |
| Noninterest income to average assets | 0.8461% | 1,391 |
| Noninterest expense to average assets | 2.3897% | 2,469 |
| Loan and lease loss provision to assets | 0.0122% | 2,747 |
| Net operating income to assets | 1.0708% | 2,648 |
| Return on assets (ROA) | 1.0969% | 2,623 |
| Pretax return on assets | 1.0969% | 3,199 |
| Return on Equity (ROE) | 11.8118% | 2,111 |
| Retained earnings to average equity (ytd only) | 6.7287% | 2,530 |
| Net charge-offs to loans | 0.0563% | 1,081 |
| Credit loss provision to net charge-offs | 43.1280% | 1,897 |
| Earnings coverage of net charge-offs (x) | 38.2986% | 1,398 |
| Efficiency ratio | 68.8144% | 1,726 |
| Assets per employee ($millions) | 8.5949% | 1,014 |
| Cash dividends to net income (ytd only)* | 43.0334% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,344 |
| Loan loss allowance to noncurrent loans | 921.7277% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 3,461 |
| Noncurrent loans to loans | 0.1216% | 3,488 |
| Net loans and leases to total assets | 47.6589% | 3,657 |
| Net loans and leases to deposits | 54.4149% | 3,700 |
| Net loans and leases to core deposits | 55.8807% | 3,780 |
| Total domestic deposits to total assets | 87.5842% | 2,071 |
| Equity capital to assets | 9.1437% | 3,705 |
| Core capital (leverage) ratio | 8.9515% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,974,467,250 | 274 |
| Average earning assets | $4,661,635,500 | 265 |
| Average equity | $461,946,500 | 287 |
| Average total loans | $2,499,417,750 | 302 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8937% | 4,233 |
| Cost of funding earning assets | 0.0781% | 4,708 |
| Net interest margin | 2.8156% | 3,758 |
| Noninterest income to average assets | 0.8396% | 1,428 |
| Noninterest expense to average assets | 2.3987% | 2,469 |
| Loan and lease loss provision to assets | 0.0231% | 2,513 |
| Net operating income to assets | 1.0578% | 2,689 |
| Return on assets (ROA) | 1.0975% | 2,627 |
| Pretax return on assets | 1.0975% | 3,222 |
| Return on Equity (ROE) | 11.7553% | 2,146 |
| Retained earnings to average equity (ytd only) | 6.9463% | 2,453 |
| Net charge-offs to loans | 0.0603% | 1,014 |
| Credit loss provision to net charge-offs | 75.3316% | 1,500 |
| Earnings coverage of net charge-offs (x) | 35.1817% | 1,233 |
| Efficiency ratio | 68.9343% | 1,770 |
| Assets per employee ($millions) | 8.2818% | 1,088 |
| Cash dividends to net income (ytd only)* | 40.9089% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 3,209 |
| Loan loss allowance to noncurrent loans | 736.8831% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 3,548 |
| Noncurrent loans to loans | 0.1557% | 3,426 |
| Net loans and leases to total assets | 48.1631% | 3,709 |
| Net loans and leases to deposits | 55.4083% | 3,761 |
| Net loans and leases to core deposits | 57.1787% | 3,821 |
| Total domestic deposits to total assets | 86.9240% | 2,367 |
| Equity capital to assets | 9.1489% | 3,657 |
| Core capital (leverage) ratio | 8.6113% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,907,907,333 | 270 |
| Average earning assets | $4,601,954,333 | 263 |
| Average equity | $458,226,667 | 286 |
| Average total loans | $2,501,258,667 | 302 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 4,195 |
| Cost of funding earning assets | 0.0804% | 4,744 |
| Net interest margin | 2.8643% | 3,605 |
| Noninterest income to average assets | 0.8146% | 1,548 |
| Noninterest expense to average assets | 2.4237% | 2,419 |
| Loan and lease loss provision to assets | 0.0359% | 2,299 |
| Net operating income to assets | 1.0428% | 2,661 |
| Return on assets (ROA) | 1.0884% | 2,587 |
| Pretax return on assets | 1.0884% | 3,137 |
| Return on Equity (ROE) | 11.5358% | 2,178 |
| Retained earnings to average equity (ytd only) | 7.1324% | 2,537 |
| Net charge-offs to loans | 0.0587% | 930 |
| Credit loss provision to net charge-offs | 117.3442% | 1,056 |
| Earnings coverage of net charge-offs (x) | 35.2520% | 1,026 |
| Efficiency ratio | 69.2009% | 1,791 |
| Assets per employee ($millions) | 7.8121% | 1,279 |
| Cash dividends to net income (ytd only)* | 38.1714% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 3,320 |
| Loan loss allowance to noncurrent loans | 840.5286% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 3,716 |
| Noncurrent loans to loans | 0.1337% | 3,647 |
| Net loans and leases to total assets | 51.6692% | 3,478 |
| Net loans and leases to deposits | 59.7821% | 3,505 |
| Net loans and leases to core deposits | 61.4205% | 3,614 |
| Total domestic deposits to total assets | 86.4293% | 2,558 |
| Equity capital to assets | 9.2035% | 3,493 |
| Core capital (leverage) ratio | 8.8996% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,823,483,000 | 267 |
| Average earning assets | $4,526,328,000 | 262 |
| Average equity | $455,106,000 | 286 |
| Average total loans | $2,515,141,500 | 301 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1991% | 4,453 |
| Cost of funding earning assets | 0.1980% | 4,590 |
| Net interest margin | 3.0010% | 3,882 |
| Noninterest income to average assets | 0.8796% | 1,316 |
| Noninterest expense to average assets | 2.6445% | 2,402 |
| Loan and lease loss provision to assets | 0.1919% | 2,034 |
| Net operating income to assets | 0.8400% | 2,940 |
| Return on assets (ROA) | 0.8612% | 2,994 |
| Pretax return on assets | 0.8612% | 3,476 |
| Return on Equity (ROE) | 8.3586% | 2,669 |
| Retained earnings to average equity (ytd only) | 0.2452% | 4,446 |
| Net charge-offs to loans | 0.0688% | 1,805 |
| Credit loss provision to net charge-offs | 507.5518% | 1,238 |
| Earnings coverage of net charge-offs (x) | 27.2875% | 1,688 |
| Efficiency ratio | 71.9313% | 1,691 |
| Assets per employee ($millions) | 7.7096% | 1,163 |
| Cash dividends to net income (ytd only)* | 97.0663% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 3,207 |
| Loan loss allowance to noncurrent loans | 795.8751% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 3,807 |
| Noncurrent loans to loans | 0.1445% | 3,706 |
| Net loans and leases to total assets | 51.4302% | 3,711 |
| Net loans and leases to deposits | 59.9334% | 3,769 |
| Net loans and leases to core deposits | 61.5349% | 3,855 |
| Total domestic deposits to total assets | 85.8122% | 2,451 |
| Equity capital to assets | 9.6719% | 3,438 |
| Core capital (leverage) ratio | 8.8849% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,341,929,000 | 270 |
| Average earning assets | $4,046,586,000 | 267 |
| Average equity | $447,358,800 | 278 |
| Average total loans | $2,387,624,600 | 302 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2194% | 4,566 |
| Cost of funding earning assets | 0.2349% | 4,553 |
| Net interest margin | 2.9846% | 4,012 |
| Noninterest income to average assets | 0.8767% | 1,288 |
| Noninterest expense to average assets | 2.6447% | 2,401 |
| Loan and lease loss provision to assets | 0.2148% | 1,875 |
| Net operating income to assets | 0.7921% | 3,120 |
| Return on assets (ROA) | 0.7952% | 3,227 |
| Pretax return on assets | 0.7952% | 3,659 |
| Return on Equity (ROE) | 7.5866% | 2,970 |
| Retained earnings to average equity (ytd only) | -1.4111% | 4,654 |
| Net charge-offs to loans | 0.0864% | 1,443 |
| Credit loss provision to net charge-offs | 445.2350% | 1,377 |
| Earnings coverage of net charge-offs (x) | 20.8734% | 1,886 |
| Efficiency ratio | 72.4254% | 1,591 |
| Assets per employee ($millions) | 7.3737% | 1,289 |
| Cash dividends to net income (ytd only)* | 118.5998% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,425 |
| Loan loss allowance to noncurrent loans | 542.4091% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 3,745 |
| Noncurrent loans to loans | 0.1948% | 3,615 |
| Net loans and leases to total assets | 54.9055% | 3,720 |
| Net loans and leases to deposits | 64.1430% | 3,786 |
| Net loans and leases to core deposits | 65.9348% | 3,892 |
| Total domestic deposits to total assets | 85.5986% | 2,220 |
| Equity capital to assets | 9.7963% | 3,433 |
| Core capital (leverage) ratio | 9.0091% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,234,350,500 | 271 |
| Average earning assets | $3,936,900,500 | 269 |
| Average equity | $443,806,750 | 277 |
| Average total loans | $2,363,798,000 | 300 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3355% | 4,609 |
| Cost of funding earning assets | 0.3107% | 4,443 |
| Net interest margin | 3.0247% | 4,068 |
| Noninterest income to average assets | 0.9140% | 1,134 |
| Noninterest expense to average assets | 2.7430% | 2,244 |
| Loan and lease loss provision to assets | 0.2054% | 1,999 |
| Net operating income to assets | 0.7717% | 3,152 |
| Return on assets (ROA) | 0.7763% | 3,242 |
| Pretax return on assets | 0.7763% | 3,658 |
| Return on Equity (ROE) | 7.2290% | 3,044 |
| Retained earnings to average equity (ytd only) | -3.2093% | 4,671 |
| Net charge-offs to loans | 0.0810% | 1,435 |
| Credit loss provision to net charge-offs | 453.6060% | 1,294 |
| Earnings coverage of net charge-offs (x) | 21.5748% | 1,650 |
| Efficiency ratio | 73.7330% | 1,492 |
| Assets per employee ($millions) | 7.1768% | 1,345 |
| Cash dividends to net income (ytd only)* | 144.3949% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 3,660 |
| Loan loss allowance to noncurrent loans | 1,835.6934% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 4,240 |
| Noncurrent loans to loans | 0.0535% | 4,270 |
| Net loans and leases to total assets | 56.0935% | 3,675 |
| Net loans and leases to deposits | 65.7844% | 3,745 |
| Net loans and leases to core deposits | 67.8809% | 3,870 |
| Total domestic deposits to total assets | 85.2686% | 2,278 |
| Equity capital to assets | 9.9326% | 3,265 |
| Core capital (leverage) ratio | 9.2919% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,102,235,333 | 275 |
| Average earning assets | $3,805,805,333 | 271 |
| Average equity | $440,530,000 | 279 |
| Average total loans | $2,295,176,667 | 305 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 4,565 |
| Cost of funding earning assets | 0.3783% | 4,430 |
| Net interest margin | 3.1929% | 3,874 |
| Noninterest income to average assets | 1.0373% | 793 |
| Noninterest expense to average assets | 2.8658% | 2,228 |
| Loan and lease loss provision to assets | 0.1135% | 2,263 |
| Net operating income to assets | 1.0121% | 2,139 |
| Return on assets (ROA) | 1.0217% | 2,209 |
| Pretax return on assets | 1.0217% | 2,774 |
| Return on Equity (ROE) | 9.1168% | 2,061 |
| Retained earnings to average equity (ytd only) | -4.6450% | 4,491 |
| Net charge-offs to loans | 0.0725% | 1,305 |
| Credit loss provision to net charge-offs | 281.8878% | 1,221 |
| Earnings coverage of net charge-offs (x) | 27.9439% | 1,225 |
| Efficiency ratio | 71.7993% | 2,106 |
| Assets per employee ($millions) | 6.2852% | 1,470 |
| Cash dividends to net income (ytd only)* | 150.9504% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,536 |
| Loan loss allowance to noncurrent loans | 1,460.3493% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 4,246 |
| Noncurrent loans to loans | 0.0706% | 4,240 |
| Net loans and leases to total assets | 54.7866% | 3,926 |
| Net loans and leases to deposits | 63.5953% | 4,003 |
| Net loans and leases to core deposits | 66.2967% | 4,068 |
| Total domestic deposits to total assets | 86.1488% | 1,944 |
| Equity capital to assets | 11.1888% | 2,691 |
| Core capital (leverage) ratio | 10.6556% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,892,661,500 | 282 |
| Average earning assets | $3,601,437,500 | 275 |
| Average equity | $436,249,500 | 282 |
| Average total loans | $2,162,090,500 | 310 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 4,238 |
| Cost of funding earning assets | 0.4605% | 4,236 |
| Net interest margin | 3.5487% | 3,290 |
| Noninterest income to average assets | 1.0930% | 798 |
| Noninterest expense to average assets | 2.9085% | 2,268 |
| Loan and lease loss provision to assets | 0.0631% | 2,773 |
| Net operating income to assets | 1.4021% | 1,336 |
| Return on assets (ROA) | 1.4031% | 1,407 |
| Pretax return on assets | 1.4031% | 2,148 |
| Return on Equity (ROE) | 12.7781% | 1,246 |
| Retained earnings to average equity (ytd only) | 6.3948% | 1,671 |
| Net charge-offs to loans | -0.0324% | 4,728 |
| Credit loss provision to net charge-offs | -339.9425% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4997% | 2,691 |
| Assets per employee ($millions) | 6.1905% | 1,496 |
| Cash dividends to net income (ytd only)* | 49.9553% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,355 |
| Loan loss allowance to noncurrent loans | 1,226.9360% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,238 |
| Noncurrent loans to loans | 0.0834% | 4,186 |
| Net loans and leases to total assets | 55.1631% | 3,985 |
| Net loans and leases to deposits | 64.2873% | 4,059 |
| Net loans and leases to core deposits | 66.9885% | 4,133 |
| Total domestic deposits to total assets | 85.8072% | 2,138 |
| Equity capital to assets | 11.2257% | 2,787 |
| Core capital (leverage) ratio | 10.8619% | 2,628 |
| Tier 1 risk-based capital ratio | 15.3200% | 2,649 |
| Total risk-based capital ratio | 16.2047% | 2,740 |
| Memoranda: | ||
| Average total assets | $3,747,567,600 | 280 |
| Average earning assets | $3,464,461,800 | 270 |
| Average equity | $411,508,800 | 284 |
| Average total loans | $2,149,032,200 | 308 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 4,491 |
| Cost of funding earning assets | 0.4682% | 4,270 |
| Net interest margin | 3.4612% | 3,692 |
| Noninterest income to average assets | 1.0455% | 846 |
| Noninterest expense to average assets | 2.8457% | 2,420 |
| Loan and lease loss provision to assets | 0.0880% | 2,151 |
| Net operating income to assets | 1.3090% | 1,815 |
| Return on assets (ROA) | 1.3104% | 1,892 |
| Pretax return on assets | 1.3104% | 2,629 |
| Return on Equity (ROE) | 12.0029% | 1,615 |
| Retained earnings to average equity (ytd only) | 6.4714% | 2,133 |
| Net charge-offs to loans | -0.0279% | 4,677 |
| Credit loss provision to net charge-offs | -546.6667% | 4,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0720% | 2,576 |
| Assets per employee ($millions) | 6.2015% | 1,462 |
| Cash dividends to net income (ytd only)* | 46.0847% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 3,636 |
| Loan loss allowance to noncurrent loans | 1,070.0838% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 4,289 |
| Noncurrent loans to loans | 0.0924% | 4,236 |
| Net loans and leases to total assets | 56.9322% | 3,971 |
| Net loans and leases to deposits | 66.4884% | 4,027 |
| Net loans and leases to core deposits | 69.0698% | 4,100 |
| Total domestic deposits to total assets | 85.6273% | 2,153 |
| Equity capital to assets | 11.1012% | 3,010 |
| Core capital (leverage) ratio | 10.9396% | 2,701 |
| Tier 1 risk-based capital ratio | 14.9867% | 2,855 |
| Total risk-based capital ratio | 15.8570% | 2,953 |
| Memoranda: | ||
| Average total assets | $3,726,482,750 | 283 |
| Average earning assets | $3,442,299,750 | 276 |
| Average equity | $406,846,250 | 288 |
| Average total loans | $2,152,374,750 | 313 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 4,509 |
| Cost of funding earning assets | 0.4571% | 4,300 |
| Net interest margin | 3.4757% | 3,670 |
| Noninterest income to average assets | 1.0703% | 744 |
| Noninterest expense to average assets | 2.8877% | 2,313 |
| Loan and lease loss provision to assets | 0.0982% | 1,901 |
| Net operating income to assets | 1.2959% | 1,786 |
| Return on assets (ROA) | 1.2966% | 1,846 |
| Pretax return on assets | 1.2966% | 2,571 |
| Return on Equity (ROE) | 11.9451% | 1,595 |
| Retained earnings to average equity (ytd only) | 6.8825% | 1,861 |
| Net charge-offs to loans | 0.0609% | 1,772 |
| Credit loss provision to net charge-offs | 278.6482% | 940 |
| Earnings coverage of net charge-offs (x) | 39.5668% | 1,256 |
| Efficiency ratio | 67.4415% | 2,620 |
| Assets per employee ($millions) | 5.9589% | 1,573 |
| Cash dividends to net income (ytd only)* | 42.3819% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 4,059 |
| Loan loss allowance to noncurrent loans | 130.7551% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 2,712 |
| Noncurrent loans to loans | 0.6939% | 2,237 |
| Net loans and leases to total assets | 59.1146% | 3,814 |
| Net loans and leases to deposits | 69.2877% | 3,899 |
| Net loans and leases to core deposits | 71.7167% | 4,026 |
| Total domestic deposits to total assets | 85.3176% | 2,336 |
| Equity capital to assets | 11.2021% | 2,851 |
| Core capital (leverage) ratio | 10.8765% | 2,713 |
| Tier 1 risk-based capital ratio | 14.5882% | 3,025 |
| Total risk-based capital ratio | 15.3821% | 3,169 |
| Memoranda: | ||
| Average total assets | $3,695,277,000 | 286 |
| Average earning assets | $3,414,394,670 | 278 |
| Average equity | $401,102,670 | 291 |
| Average total loans | $2,137,640,000 | 313 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 4,578 |
| Cost of funding earning assets | 0.4445% | 4,316 |
| Net interest margin | 3.4397% | 3,774 |
| Noninterest income to average assets | 0.9382% | 948 |
| Noninterest expense to average assets | 2.8759% | 2,340 |
| Loan and lease loss provision to assets | 0.0823% | 2,053 |
| Net operating income to assets | 1.1612% | 2,210 |
| Return on assets (ROA) | 1.1612% | 2,263 |
| Pretax return on assets | 1.1612% | 2,933 |
| Return on Equity (ROE) | 10.8714% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.8714% | 829 |
| Net charge-offs to loans | 0.0262% | 1,931 |
| Credit loss provision to net charge-offs | 551.4493% | 579 |
| Earnings coverage of net charge-offs (x) | 83.3188% | 743 |
| Efficiency ratio | 69.8136% | 2,374 |
| Assets per employee ($millions) | 5.9327% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 4,112 |
| Loan loss allowance to noncurrent loans | 127.3854% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 2,831 |
| Noncurrent loans to loans | 0.7139% | 2,241 |
| Net loans and leases to total assets | 56.5386% | 4,026 |
| Net loans and leases to deposits | 65.2216% | 4,111 |
| Net loans and leases to core deposits | 67.4471% | 4,211 |
| Total domestic deposits to total assets | 86.6868% | 1,968 |
| Equity capital to assets | 10.8049% | 3,046 |
| Core capital (leverage) ratio | 10.8794% | 2,679 |
| Tier 1 risk-based capital ratio | 14.8946% | 2,921 |
| Total risk-based capital ratio | 15.6762% | 3,061 |
| Memoranda: | ||
| Average total assets | $3,698,622,500 | 286 |
| Average earning assets | $3,420,689,000 | 279 |
| Average equity | $395,054,000 | 294 |
| Average total loans | $2,106,231,000 | 321 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7454% | 4,597 |
| Cost of funding earning assets | 0.3772% | 4,117 |
| Net interest margin | 3.3682% | 4,081 |
| Noninterest income to average assets | 1.0017% | 935 |
| Noninterest expense to average assets | 2.8488% | 2,520 |
| Loan and lease loss provision to assets | 0.0641% | 2,875 |
| Net operating income to assets | 1.2099% | 2,119 |
| Return on assets (ROA) | 1.2104% | 2,114 |
| Pretax return on assets | 1.2104% | 2,843 |
| Return on Equity (ROE) | 11.7177% | 1,811 |
| Retained earnings to average equity (ytd only) | 6.2600% | 2,051 |
| Net charge-offs to loans | 0.1088% | 1,658 |
| Credit loss provision to net charge-offs | 107.0280% | 2,394 |
| Earnings coverage of net charge-offs (x) | 21.2729% | 1,952 |
| Efficiency ratio | 69.0992% | 2,368 |
| Assets per employee ($millions) | 5.6912% | 1,778 |
| Cash dividends to net income (ytd only)* | 46.5762% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 4,131 |
| Loan loss allowance to noncurrent loans | 118.2590% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 2,659 |
| Noncurrent loans to loans | 0.7657% | 2,087 |
| Net loans and leases to total assets | 56.3179% | 4,110 |
| Net loans and leases to deposits | 65.3736% | 4,162 |
| Net loans and leases to core deposits | 67.3716% | 4,276 |
| Total domestic deposits to total assets | 86.1478% | 2,160 |
| Equity capital to assets | 10.5542% | 3,125 |
| Core capital (leverage) ratio | 10.5396% | 2,972 |
| Tier 1 risk-based capital ratio | 14.8047% | 2,924 |
| Total risk-based capital ratio | 15.5797% | 3,070 |
| Memoranda: | ||
| Average total assets | $3,635,213,200 | 285 |
| Average earning assets | $3,368,419,600 | 277 |
| Average equity | $375,509,200 | 299 |
| Average total loans | $2,000,018,600 | 328 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 4,656 |
| Cost of funding earning assets | 0.3569% | 4,137 |
| Net interest margin | 3.3409% | 4,183 |
| Noninterest income to average assets | 0.9852% | 986 |
| Noninterest expense to average assets | 2.7886% | 2,675 |
| Loan and lease loss provision to assets | 0.0751% | 2,455 |
| Net operating income to assets | 1.2186% | 2,159 |
| Return on assets (ROA) | 1.2194% | 2,158 |
| Pretax return on assets | 1.2194% | 2,917 |
| Return on Equity (ROE) | 11.8691% | 1,840 |
| Retained earnings to average equity (ytd only) | 6.7140% | 2,273 |
| Net charge-offs to loans | -0.0264% | 4,707 |
| Credit loss provision to net charge-offs | -521.4286% | 4,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3096% | 2,480 |
| Assets per employee ($millions) | 5.7836% | 1,660 |
| Cash dividends to net income (ytd only)* | 43.4328% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,472 |
| Loan loss allowance to noncurrent loans | 117.4521% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 2,637 |
| Noncurrent loans to loans | 0.8926% | 1,912 |
| Net loans and leases to total assets | 53.7678% | 4,375 |
| Net loans and leases to deposits | 63.1382% | 4,381 |
| Net loans and leases to core deposits | 64.8520% | 4,468 |
| Total domestic deposits to total assets | 85.1590% | 2,543 |
| Equity capital to assets | 10.0866% | 3,554 |
| Core capital (leverage) ratio | 10.4159% | 3,170 |
| Tier 1 risk-based capital ratio | 14.8727% | 2,938 |
| Total risk-based capital ratio | 15.7556% | 3,034 |
| Memoranda: | ||
| Average total assets | $3,630,585,750 | 283 |
| Average earning assets | $3,365,603,500 | 276 |
| Average equity | $372,980,750 | 299 |
| Average total loans | $1,980,897,500 | 329 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 4,649 |
| Cost of funding earning assets | 0.3179% | 4,286 |
| Net interest margin | 3.3511% | 4,103 |
| Noninterest income to average assets | 0.9709% | 1,011 |
| Noninterest expense to average assets | 2.8076% | 2,640 |
| Loan and lease loss provision to assets | 0.0782% | 2,342 |
| Net operating income to assets | 1.1932% | 2,230 |
| Return on assets (ROA) | 1.1943% | 2,224 |
| Pretax return on assets | 1.1943% | 2,963 |
| Return on Equity (ROE) | 11.5530% | 1,887 |
| Retained earnings to average equity (ytd only) | 6.7549% | 2,188 |
| Net charge-offs to loans | -0.0403% | 4,843 |
| Credit loss provision to net charge-offs | -355.4156% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8299% | 2,511 |
| Assets per employee ($millions) | 5.9214% | 1,527 |
| Cash dividends to net income (ytd only)* | 41.5312% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,723 |
| Loan loss allowance to noncurrent loans | 1,187.2896% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 4,563 |
| Noncurrent loans to loans | 0.0858% | 4,525 |
| Net loans and leases to total assets | 55.0049% | 4,247 |
| Net loans and leases to deposits | 64.4462% | 4,253 |
| Net loans and leases to core deposits | 65.7419% | 4,379 |
| Total domestic deposits to total assets | 85.3501% | 2,544 |
| Equity capital to assets | 10.2875% | 3,351 |
| Core capital (leverage) ratio | 10.3454% | 3,188 |
| Tier 1 risk-based capital ratio | 14.6025% | 3,068 |
| Total risk-based capital ratio | 15.4604% | 3,177 |
| Memoranda: | ||
| Average total assets | $3,606,941,000 | 282 |
| Average earning assets | $3,345,434,000 | 276 |
| Average equity | $372,854,670 | 293 |
| Average total loans | $1,970,759,670 | 330 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 4,703 |
| Cost of funding earning assets | 0.2534% | 4,688 |
| Net interest margin | 3.3484% | 4,056 |
| Noninterest income to average assets | 0.9090% | 1,124 |
| Noninterest expense to average assets | 2.7943% | 2,707 |
| Loan and lease loss provision to assets | 0.0961% | 1,909 |
| Net operating income to assets | 1.1246% | 2,314 |
| Return on assets (ROA) | 1.1262% | 2,324 |
| Pretax return on assets | 1.1262% | 3,064 |
| Return on Equity (ROE) | 10.8684% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.8684% | 926 |
| Net charge-offs to loans | 0.0381% | 1,762 |
| Credit loss provision to net charge-offs | 465.5914% | 626 |
| Earnings coverage of net charge-offs (x) | 59.1398% | 850 |
| Efficiency ratio | 69.5956% | 2,553 |
| Assets per employee ($millions) | 5.8180% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,054 |
| Loan loss allowance to noncurrent loans | 1,360.2393% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 4,677 |
| Noncurrent loans to loans | 0.0722% | 4,656 |
| Net loans and leases to total assets | 54.3023% | 4,256 |
| Net loans and leases to deposits | 64.5939% | 4,176 |
| Net loans and leases to core deposits | 65.1811% | 4,362 |
| Total domestic deposits to total assets | 84.0672% | 3,297 |
| Equity capital to assets | 10.3316% | 3,236 |
| Core capital (leverage) ratio | 10.4224% | 3,035 |
| Tier 1 risk-based capital ratio | 14.7057% | 3,024 |
| Total risk-based capital ratio | 15.5345% | 3,153 |
| Memoranda: | ||
| Average total assets | $3,604,377,500 | 279 |
| Average earning assets | $3,343,493,500 | 274 |
| Average equity | $373,487,000 | 295 |
| Average total loans | $1,952,504,000 | 334 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4127% | 4,923 |
| Cost of funding earning assets | 0.1478% | 5,271 |
| Net interest margin | 3.2649% | 4,274 |
| Noninterest income to average assets | 1.1064% | 832 |
| Noninterest expense to average assets | 2.8281% | 2,684 |
| Loan and lease loss provision to assets | 0.0831% | 2,541 |
| Net operating income to assets | 1.2234% | 1,445 |
| Return on assets (ROA) | 1.2229% | 1,470 |
| Pretax return on assets | 1.2229% | 2,672 |
| Return on Equity (ROE) | 11.9169% | 1,232 |
| Retained earnings to average equity (ytd only) | 5.4809% | 1,828 |
| Net charge-offs to loans | 0.1611% | 1,516 |
| Credit loss provision to net charge-offs | 103.0250% | 2,483 |
| Earnings coverage of net charge-offs (x) | 16.2010% | 2,197 |
| Efficiency ratio | 68.4001% | 2,818 |
| Assets per employee ($millions) | 5.7812% | 1,674 |
| Cash dividends to net income (ytd only)* | 54.0070% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 4,151 |
| Loan loss allowance to noncurrent loans | 956.8497% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 4,612 |
| Noncurrent loans to loans | 0.1007% | 4,537 |
| Net loans and leases to total assets | 52.9901% | 4,443 |
| Net loans and leases to deposits | 63.6219% | 4,339 |
| Net loans and leases to core deposits | 64.2268% | 4,519 |
| Total domestic deposits to total assets | 83.2890% | 3,470 |
| Equity capital to assets | 10.3923% | 3,279 |
| Core capital (leverage) ratio | 10.1409% | 3,256 |
| Tier 1 risk-based capital ratio | 14.4577% | 3,111 |
| Total risk-based capital ratio | 15.2729% | 3,253 |
| Memoranda: | ||
| Average total assets | $3,566,272,200 | 273 |
| Average earning assets | $3,307,659,200 | 268 |
| Average equity | $365,960,200 | 283 |
| Average total loans | $1,785,378,800 | 340 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3810% | 4,985 |
| Cost of funding earning assets | 0.1358% | 5,392 |
| Net interest margin | 3.2452% | 4,341 |
| Noninterest income to average assets | 1.1114% | 824 |
| Noninterest expense to average assets | 2.7803% | 2,796 |
| Loan and lease loss provision to assets | 0.0724% | 2,628 |
| Net operating income to assets | 1.2688% | 1,435 |
| Return on assets (ROA) | 1.2708% | 1,462 |
| Pretax return on assets | 1.2708% | 2,622 |
| Return on Equity (ROE) | 12.4237% | 1,208 |
| Retained earnings to average equity (ytd only) | 5.6979% | 2,431 |
| Net charge-offs to loans | 0.0905% | 1,893 |
| Credit loss provision to net charge-offs | 162.7319% | 1,578 |
| Earnings coverage of net charge-offs (x) | 30.1358% | 1,547 |
| Efficiency ratio | 67.4588% | 2,975 |
| Assets per employee ($millions) | 5.6874% | 1,735 |
| Cash dividends to net income (ytd only)* | 54.1371% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,770 |
| Loan loss allowance to noncurrent loans | 621.1712% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 4,558 |
| Noncurrent loans to loans | 0.1695% | 4,387 |
| Net loans and leases to total assets | 51.0308% | 4,642 |
| Net loans and leases to deposits | 60.0790% | 4,638 |
| Net loans and leases to core deposits | 60.6376% | 4,786 |
| Total domestic deposits to total assets | 84.9395% | 2,735 |
| Equity capital to assets | 10.5680% | 3,294 |
| Core capital (leverage) ratio | 10.2162% | 3,295 |
| Tier 1 risk-based capital ratio | 14.8641% | 2,980 |
| Total risk-based capital ratio | 15.7334% | 3,107 |
| Memoranda: | ||
| Average total assets | $3,553,082,750 | 274 |
| Average earning assets | $3,295,657,000 | 268 |
| Average equity | $363,425,500 | 285 |
| Average total loans | $1,747,629,500 | 348 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3410% | 5,043 |
| Cost of funding earning assets | 0.1250% | 5,478 |
| Net interest margin | 3.2160% | 4,364 |
| Noninterest income to average assets | 1.0904% | 841 |
| Noninterest expense to average assets | 2.7706% | 2,858 |
| Loan and lease loss provision to assets | 0.0745% | 2,476 |
| Net operating income to assets | 1.2318% | 1,495 |
| Return on assets (ROA) | 1.2331% | 1,521 |
| Pretax return on assets | 1.2331% | 2,647 |
| Return on Equity (ROE) | 12.1909% | 1,240 |
| Retained earnings to average equity (ytd only) | 5.3647% | 2,485 |
| Net charge-offs to loans | 0.0619% | 2,039 |
| Credit loss provision to net charge-offs | 248.6842% | 1,086 |
| Earnings coverage of net charge-offs (x) | 43.6147% | 1,189 |
| Efficiency ratio | 67.9592% | 3,023 |
| Assets per employee ($millions) | 5.7325% | 1,668 |
| Cash dividends to net income (ytd only)* | 55.9943% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,643 |
| Loan loss allowance to noncurrent loans | 302.5797% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 4,215 |
| Noncurrent loans to loans | 0.3601% | 3,738 |
| Net loans and leases to total assets | 49.9916% | 4,714 |
| Net loans and leases to deposits | 58.6004% | 4,726 |
| Net loans and leases to core deposits | 59.1130% | 4,871 |
| Total domestic deposits to total assets | 85.3093% | 2,689 |
| Equity capital to assets | 10.6007% | 3,227 |
| Core capital (leverage) ratio | 9.9833% | 3,558 |
| Tier 1 risk-based capital ratio | 14.8430% | 2,997 |
| Total risk-based capital ratio | 15.7279% | 3,102 |
| Memoranda: | ||
| Average total assets | $3,552,566,670 | 276 |
| Average earning assets | $3,299,053,000 | 268 |
| Average equity | $359,349,670 | 291 |
| Average total loans | $1,719,084,670 | 357 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2289% | 5,199 |
| Cost of funding earning assets | 0.1269% | 5,518 |
| Net interest margin | 3.1020% | 4,642 |
| Noninterest income to average assets | 1.0477% | 914 |
| Noninterest expense to average assets | 2.7174% | 3,079 |
| Loan and lease loss provision to assets | 0.0814% | 2,187 |
| Net operating income to assets | 1.1395% | 1,711 |
| Return on assets (ROA) | 1.1410% | 1,744 |
| Pretax return on assets | 1.1410% | 2,817 |
| Return on Equity (ROE) | 11.5531% | 1,388 |
| Retained earnings to average equity (ytd only) | 11.5531% | 524 |
| Net charge-offs to loans | 0.0613% | 1,716 |
| Credit loss provision to net charge-offs | 280.6950% | 823 |
| Earnings coverage of net charge-offs (x) | 42.0927% | 999 |
| Efficiency ratio | 68.9993% | 3,049 |
| Assets per employee ($millions) | 5.9056% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,649 |
| Loan loss allowance to noncurrent loans | 316.0605% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 4,297 |
| Noncurrent loans to loans | 0.3517% | 3,838 |
| Net loans and leases to total assets | 46.8457% | 4,902 |
| Net loans and leases to deposits | 56.0993% | 4,809 |
| Net loans and leases to core deposits | 56.6075% | 4,944 |
| Total domestic deposits to total assets | 83.5049% | 3,657 |
| Equity capital to assets | 9.9655% | 3,798 |
| Core capital (leverage) ratio | 10.0072% | 3,484 |
| Tier 1 risk-based capital ratio | 15.3345% | 2,820 |
| Total risk-based capital ratio | 16.2329% | 2,900 |
| Memoranda: | ||
| Average total assets | $3,571,849,000 | 277 |
| Average earning assets | $3,328,298,000 | 272 |
| Average equity | $352,770,500 | 295 |
| Average total loans | $1,690,598,000 | 354 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2505% | 5,236 |
| Cost of funding earning assets | 0.1047% | 5,682 |
| Net interest margin | 3.1458% | 4,603 |
| Noninterest income to average assets | 1.0207% | 1,084 |
| Noninterest expense to average assets | 2.7695% | 3,119 |
| Loan and lease loss provision to assets | 0.0811% | 2,738 |
| Net operating income to assets | 1.1072% | 1,870 |
| Return on assets (ROA) | 1.1191% | 1,908 |
| Pretax return on assets | 1.1191% | 3,022 |
| Return on Equity (ROE) | 10.3144% | 1,843 |
| Retained earnings to average equity (ytd only) | 4.8592% | 2,441 |
| Net charge-offs to loans | 0.0677% | 2,728 |
| Credit loss provision to net charge-offs | 254.5370% | 1,135 |
| Earnings coverage of net charge-offs (x) | 37.3162% | 1,235 |
| Efficiency ratio | 69.9761% | 2,903 |
| Assets per employee ($millions) | 5.7111% | 1,687 |
| Cash dividends to net income (ytd only)* | 52.8894% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,642 |
| Loan loss allowance to noncurrent loans | 265.0200% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 4,307 |
| Noncurrent loans to loans | 0.4196% | 3,639 |
| Net loans and leases to total assets | 46.7632% | 4,968 |
| Net loans and leases to deposits | 55.7222% | 4,925 |
| Net loans and leases to core deposits | 56.2314% | 5,042 |
| Total domestic deposits to total assets | 83.9219% | 3,447 |
| Equity capital to assets | 9.7852% | 3,961 |
| Core capital (leverage) ratio | 9.8986% | 3,625 |
| Tier 1 risk-based capital ratio | 15.1623% | 2,897 |
| Total risk-based capital ratio | 16.0620% | 2,991 |
| Memoranda: | ||
| Average total assets | $3,357,075,600 | 277 |
| Average earning assets | $3,134,331,400 | 274 |
| Average equity | $364,237,600 | 278 |
| Average total loans | $1,578,777,200 | 360 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2256% | 5,325 |
| Cost of funding earning assets | 0.1019% | 5,762 |
| Net interest margin | 3.1237% | 4,710 |
| Noninterest income to average assets | 1.0224% | 1,100 |
| Noninterest expense to average assets | 2.8011% | 3,007 |
| Loan and lease loss provision to assets | 0.0899% | 2,428 |
| Net operating income to assets | 1.0478% | 2,209 |
| Return on assets (ROA) | 1.0638% | 2,255 |
| Pretax return on assets | 1.0638% | 3,380 |
| Return on Equity (ROE) | 9.5547% | 2,245 |
| Retained earnings to average equity (ytd only) | 4.0781% | 3,399 |
| Net charge-offs to loans | 0.0921% | 2,032 |
| Credit loss provision to net charge-offs | 207.9070% | 1,406 |
| Earnings coverage of net charge-offs (x) | 26.3060% | 1,604 |
| Efficiency ratio | 71.1150% | 2,719 |
| Assets per employee ($millions) | 5.4206% | 1,937 |
| Cash dividends to net income (ytd only)* | 57.3185% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,700 |
| Loan loss allowance to noncurrent loans | 253.1167% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 4,381 |
| Noncurrent loans to loans | 0.4444% | 3,692 |
| Net loans and leases to total assets | 46.5899% | 5,053 |
| Net loans and leases to deposits | 54.7494% | 5,066 |
| Net loans and leases to core deposits | 55.2730% | 5,185 |
| Total domestic deposits to total assets | 85.0965% | 2,764 |
| Equity capital to assets | 10.9600% | 3,058 |
| Core capital (leverage) ratio | 10.0687% | 3,476 |
| Tier 1 risk-based capital ratio | 15.3068% | 2,911 |
| Total risk-based capital ratio | 16.2162% | 2,996 |
| Memoranda: | ||
| Average total assets | $3,313,975,750 | 277 |
| Average earning assets | $3,094,072,750 | 274 |
| Average equity | $368,955,250 | 271 |
| Average total loans | $1,556,207,250 | 363 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2052% | 5,421 |
| Cost of funding earning assets | 0.1004% | 5,853 |
| Net interest margin | 3.1048% | 4,821 |
| Noninterest income to average assets | 1.0204% | 1,070 |
| Noninterest expense to average assets | 2.8268% | 2,931 |
| Loan and lease loss provision to assets | 0.1214% | 1,884 |
| Net operating income to assets | 0.9674% | 2,538 |
| Return on assets (ROA) | 0.9904% | 2,570 |
| Pretax return on assets | 0.9904% | 3,622 |
| Return on Equity (ROE) | 8.8481% | 2,560 |
| Retained earnings to average equity (ytd only) | 3.3285% | 3,778 |
| Net charge-offs to loans | 0.1347% | 1,524 |
| Credit loss provision to net charge-offs | 192.1890% | 1,341 |
| Earnings coverage of net charge-offs (x) | 17.2314% | 1,884 |
| Efficiency ratio | 72.1922% | 2,616 |
| Assets per employee ($millions) | 5.2541% | 2,032 |
| Cash dividends to net income (ytd only)* | 62.3823% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 3,698 |
| Loan loss allowance to noncurrent loans | 242.2837% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 4,378 |
| Noncurrent loans to loans | 0.4718% | 3,671 |
| Net loans and leases to total assets | 46.5302% | 5,094 |
| Net loans and leases to deposits | 54.3157% | 5,119 |
| Net loans and leases to core deposits | 54.8341% | 5,234 |
| Total domestic deposits to total assets | 85.6663% | 2,574 |
| Equity capital to assets | 11.1696% | 2,881 |
| Core capital (leverage) ratio | 10.1197% | 3,428 |
| Tier 1 risk-based capital ratio | 15.6357% | 2,810 |
| Total risk-based capital ratio | 16.5668% | 2,871 |
| Memoranda: | ||
| Average total assets | $3,282,111,670 | 278 |
| Average earning assets | $3,060,712,330 | 275 |
| Average equity | $367,377,330 | 272 |
| Average total loans | $1,539,415,330 | 366 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2011% | 5,480 |
| Cost of funding earning assets | 0.0985% | 5,923 |
| Net interest margin | 3.1025% | 4,856 |
| Noninterest income to average assets | 1.0358% | 1,011 |
| Noninterest expense to average assets | 2.8657% | 2,830 |
| Loan and lease loss provision to assets | 0.1850% | 1,075 |
| Net operating income to assets | 0.8798% | 2,855 |
| Return on assets (ROA) | 0.8830% | 2,965 |
| Pretax return on assets | 0.8830% | 3,917 |
| Return on Equity (ROE) | 7.8804% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.8782% | 1,512 |
| Net charge-offs to loans | 0.0453% | 2,115 |
| Credit loss provision to net charge-offs | 872.2543% | 413 |
| Earnings coverage of net charge-offs (x) | 50.2081% | 886 |
| Efficiency ratio | 72.9087% | 2,658 |
| Assets per employee ($millions) | 5.2436% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0278% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 3,548 |
| Loan loss allowance to noncurrent loans | 200.2634% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 4,221 |
| Noncurrent loans to loans | 0.5937% | 3,409 |
| Net loans and leases to total assets | 46.3445% | 5,093 |
| Net loans and leases to deposits | 53.2318% | 5,152 |
| Net loans and leases to core deposits | 53.7167% | 5,273 |
| Total domestic deposits to total assets | 87.0616% | 2,184 |
| Equity capital to assets | 11.3103% | 2,613 |
| Core capital (leverage) ratio | 10.3092% | 3,184 |
| Tier 1 risk-based capital ratio | 16.1849% | 2,594 |
| Total risk-based capital ratio | 17.1536% | 2,666 |
| Memoranda: | ||
| Average total assets | $3,262,858,500 | 278 |
| Average earning assets | $3,044,336,000 | 272 |
| Average equity | $365,616,000 | 273 |
| Average total loans | $1,527,644,500 | 366 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1265% | 5,606 |
| Cost of funding earning assets | 0.1088% | 5,928 |
| Net interest margin | 3.0176% | 5,095 |
| Noninterest income to average assets | 1.0986% | 975 |
| Noninterest expense to average assets | 2.7270% | 3,493 |
| Loan and lease loss provision to assets | 0.0357% | 3,634 |
| Net operating income to assets | 1.1431% | 1,753 |
| Return on assets (ROA) | 1.1428% | 1,822 |
| Pretax return on assets | 1.1428% | 2,872 |
| Return on Equity (ROE) | 10.5258% | 1,792 |
| Retained earnings to average equity (ytd only) | 4.9336% | 2,465 |
| Net charge-offs to loans | 0.0594% | 3,031 |
| Credit loss provision to net charge-offs | 133.8728% | 1,960 |
| Earnings coverage of net charge-offs (x) | 44.2127% | 1,087 |
| Efficiency ratio | 69.5608% | 3,295 |
| Assets per employee ($millions) | 5.2479% | 2,062 |
| Cash dividends to net income (ytd only)* | 53.1287% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 3,980 |
| Loan loss allowance to noncurrent loans | 292.7632% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 4,665 |
| Noncurrent loans to loans | 0.3798% | 4,089 |
| Net loans and leases to total assets | 46.2161% | 5,140 |
| Net loans and leases to deposits | 53.8642% | 5,169 |
| Net loans and leases to core deposits | 54.3827% | 5,287 |
| Total domestic deposits to total assets | 85.8013% | 2,734 |
| Equity capital to assets | 11.0999% | 2,726 |
| Core capital (leverage) ratio | 10.1423% | 3,330 |
| Tier 1 risk-based capital ratio | 16.1456% | 2,622 |
| Total risk-based capital ratio | 17.0521% | 2,718 |
| Memoranda: | ||
| Average total assets | $3,244,203,400 | 264 |
| Average earning assets | $3,018,010,800 | 256 |
| Average equity | $352,237,600 | 270 |
| Average total loans | $1,455,448,400 | 362 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1265% | 5,674 |
| Cost of funding earning assets | 0.1116% | 6,011 |
| Net interest margin | 3.0149% | 5,159 |
| Noninterest income to average assets | 1.0632% | 1,060 |
| Noninterest expense to average assets | 2.6962% | 3,577 |
| Loan and lease loss provision to assets | 0.0355% | 3,512 |
| Net operating income to assets | 1.1340% | 1,883 |
| Return on assets (ROA) | 1.1344% | 1,957 |
| Pretax return on assets | 1.1344% | 3,079 |
| Return on Equity (ROE) | 10.5073% | 1,898 |
| Retained earnings to average equity (ytd only) | 5.0565% | 2,871 |
| Net charge-offs to loans | 0.0423% | 3,035 |
| Credit loss provision to net charge-offs | 188.6214% | 1,399 |
| Earnings coverage of net charge-offs (x) | 62.2186% | 894 |
| Efficiency ratio | 69.4350% | 3,304 |
| Assets per employee ($millions) | 5.0989% | 2,178 |
| Cash dividends to net income (ytd only)* | 51.8762% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 4,001 |
| Loan loss allowance to noncurrent loans | 276.5556% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 4,534 |
| Noncurrent loans to loans | 0.4119% | 4,131 |
| Net loans and leases to total assets | 45.7672% | 5,246 |
| Net loans and leases to deposits | 53.9676% | 5,254 |
| Net loans and leases to core deposits | 54.5312% | 5,377 |
| Total domestic deposits to total assets | 84.8051% | 3,096 |
| Equity capital to assets | 11.0038% | 3,023 |
| Core capital (leverage) ratio | 10.0359% | 3,571 |
| Tier 1 risk-based capital ratio | 16.0212% | 2,784 |
| Total risk-based capital ratio | 16.9378% | 2,893 |
| Memoranda: | ||
| Average total assets | $3,241,828,500 | 265 |
| Average earning assets | $3,013,446,000 | 260 |
| Average equity | $350,007,250 | 277 |
| Average total loans | $1,439,149,000 | 365 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1038% | 5,741 |
| Cost of funding earning assets | 0.1148% | 6,066 |
| Net interest margin | 2.9889% | 5,252 |
| Noninterest income to average assets | 1.0501% | 1,074 |
| Noninterest expense to average assets | 2.6449% | 3,755 |
| Loan and lease loss provision to assets | 0.0381% | 3,357 |
| Net operating income to assets | 1.1447% | 1,795 |
| Return on assets (ROA) | 1.1450% | 1,869 |
| Pretax return on assets | 1.1450% | 2,990 |
| Return on Equity (ROE) | 10.6727% | 1,790 |
| Retained earnings to average equity (ytd only) | 5.3714% | 2,625 |
| Net charge-offs to loans | 0.0579% | 2,571 |
| Credit loss provision to net charge-offs | 150.3650% | 1,526 |
| Earnings coverage of net charge-offs (x) | 46.7129% | 1,010 |
| Efficiency ratio | 68.7852% | 3,541 |
| Assets per employee ($millions) | 5.2176% | 2,027 |
| Cash dividends to net income (ytd only)* | 49.6718% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 4,021 |
| Loan loss allowance to noncurrent loans | 244.8552% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 4,919 |
| Noncurrent loans to loans | 0.4740% | 4,055 |
| Net loans and leases to total assets | 43.7249% | 5,395 |
| Net loans and leases to deposits | 52.1496% | 5,373 |
| Net loans and leases to core deposits | 52.7323% | 5,500 |
| Total domestic deposits to total assets | 83.8451% | 3,636 |
| Equity capital to assets | 10.5336% | 3,408 |
| Core capital (leverage) ratio | 9.8752% | 3,768 |
| Tier 1 risk-based capital ratio | 16.0204% | 2,846 |
| Total risk-based capital ratio | 16.9395% | 2,956 |
| Memoranda: | ||
| Average total assets | $3,246,569,330 | 265 |
| Average earning assets | $3,016,995,330 | 261 |
| Average equity | $348,290,330 | 279 |
| Average total loans | $1,420,796,000 | 366 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0748% | 5,813 |
| Cost of funding earning assets | 0.1193% | 6,121 |
| Net interest margin | 2.9555% | 5,331 |
| Noninterest income to average assets | 1.0372% | 1,039 |
| Noninterest expense to average assets | 2.6771% | 3,668 |
| Loan and lease loss provision to assets | 0.0381% | 3,144 |
| Net operating income to assets | 1.0688% | 1,975 |
| Return on assets (ROA) | 1.0695% | 2,096 |
| Pretax return on assets | 1.0695% | 3,219 |
| Return on Equity (ROE) | 9.8782% | 2,061 |
| Retained earnings to average equity (ytd only) | 9.8782% | 958 |
| Net charge-offs to loans | 0.0330% | 2,538 |
| Credit loss provision to net charge-offs | 265.5172% | 890 |
| Earnings coverage of net charge-offs (x) | 77.0948% | 612 |
| Efficiency ratio | 70.4262% | 3,406 |
| Assets per employee ($millions) | 5.1823% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 4,109 |
| Loan loss allowance to noncurrent loans | 186.9328% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 4,747 |
| Noncurrent loans to loans | 0.6295% | 3,699 |
| Net loans and leases to total assets | 43.3717% | 5,396 |
| Net loans and leases to deposits | 51.1304% | 5,381 |
| Net loans and leases to core deposits | 51.7105% | 5,509 |
| Total domestic deposits to total assets | 84.8257% | 3,490 |
| Equity capital to assets | 10.9295% | 3,053 |
| Core capital (leverage) ratio | 9.8735% | 3,787 |
| Tier 1 risk-based capital ratio | 16.0305% | 2,906 |
| Total risk-based capital ratio | 16.9520% | 2,998 |
| Memoranda: | ||
| Average total assets | $3,231,528,000 | 263 |
| Average earning assets | $3,003,481,500 | 261 |
| Average equity | $349,860,000 | 274 |
| Average total loans | $1,406,425,500 | 366 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0308% | 6,028 |
| Cost of funding earning assets | 0.1347% | 6,175 |
| Net interest margin | 2.8961% | 5,654 |
| Noninterest income to average assets | 1.1110% | 991 |
| Noninterest expense to average assets | 2.7735% | 3,584 |
| Loan and lease loss provision to assets | 0.0337% | 3,921 |
| Net operating income to assets | 0.9833% | 2,465 |
| Return on assets (ROA) | 0.9819% | 2,550 |
| Pretax return on assets | 0.9819% | 3,570 |
| Return on Equity (ROE) | 9.1313% | 2,525 |
| Retained earnings to average equity (ytd only) | 5.7583% | 2,093 |
| Net charge-offs to loans | 0.0827% | 3,317 |
| Credit loss provision to net charge-offs | 95.4887% | 2,525 |
| Earnings coverage of net charge-offs (x) | 28.8562% | 1,383 |
| Efficiency ratio | 72.8282% | 3,064 |
| Assets per employee ($millions) | 5.1173% | 2,174 |
| Cash dividends to net income (ytd only)* | 36.9392% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,993 |
| Loan loss allowance to noncurrent loans | 242.5485% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 5,032 |
| Noncurrent loans to loans | 0.4948% | 4,175 |
| Net loans and leases to total assets | 42.6326% | 5,571 |
| Net loans and leases to deposits | 50.7878% | 5,544 |
| Net loans and leases to core deposits | 51.3600% | 5,643 |
| Total domestic deposits to total assets | 83.9427% | 3,741 |
| Equity capital to assets | 10.7220% | 3,210 |
| Core capital (leverage) ratio | 9.9004% | 3,710 |
| Tier 1 risk-based capital ratio | 16.2815% | 2,819 |
| Total risk-based capital ratio | 17.2348% | 2,910 |
| Memoranda: | ||
| Average total assets | $3,019,262,000 | 266 |
| Average earning assets | $2,793,322,400 | 263 |
| Average equity | $324,662,800 | 276 |
| Average total loans | $1,286,673,600 | 367 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0205% | 6,117 |
| Cost of funding earning assets | 0.1398% | 6,241 |
| Net interest margin | 2.8807% | 5,743 |
| Noninterest income to average assets | 1.1175% | 974 |
| Noninterest expense to average assets | 2.7782% | 3,548 |
| Loan and lease loss provision to assets | 0.0395% | 3,621 |
| Net operating income to assets | 0.9597% | 2,645 |
| Return on assets (ROA) | 0.9597% | 2,719 |
| Pretax return on assets | 0.9597% | 3,758 |
| Return on Equity (ROE) | 8.9176% | 2,737 |
| Retained earnings to average equity (ytd only) | 5.0106% | 3,074 |
| Net charge-offs to loans | 0.0999% | 2,801 |
| Credit loss provision to net charge-offs | 93.0233% | 2,377 |
| Earnings coverage of net charge-offs (x) | 23.5423% | 1,585 |
| Efficiency ratio | 73.2001% | 2,956 |
| Assets per employee ($millions) | 4.9885% | 2,253 |
| Cash dividends to net income (ytd only)* | 43.8128% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 4,033 |
| Loan loss allowance to noncurrent loans | 214.7904% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 5,229 |
| Noncurrent loans to loans | 0.5765% | 4,189 |
| Net loans and leases to total assets | 42.5985% | 5,631 |
| Net loans and leases to deposits | 50.5193% | 5,618 |
| Net loans and leases to core deposits | 51.2035% | 5,731 |
| Total domestic deposits to total assets | 84.3211% | 3,635 |
| Equity capital to assets | 10.7616% | 3,225 |
| Core capital (leverage) ratio | 10.0010% | 3,680 |
| Tier 1 risk-based capital ratio | 16.3555% | 2,875 |
| Total risk-based capital ratio | 17.3305% | 2,972 |
| Memoranda: | ||
| Average total assets | $2,971,933,250 | 269 |
| Average earning assets | $2,744,080,500 | 265 |
| Average equity | $319,822,750 | 275 |
| Average total loans | $1,262,212,500 | 369 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0335% | 6,144 |
| Cost of funding earning assets | 0.1435% | 6,303 |
| Net interest margin | 2.8900% | 5,751 |
| Noninterest income to average assets | 1.1197% | 944 |
| Noninterest expense to average assets | 2.8157% | 3,442 |
| Loan and lease loss provision to assets | 0.0588% | 3,100 |
| Net operating income to assets | 0.9112% | 2,747 |
| Return on assets (ROA) | 0.9112% | 2,851 |
| Pretax return on assets | 0.9112% | 3,840 |
| Return on Equity (ROE) | 8.4668% | 2,851 |
| Retained earnings to average equity (ytd only) | 4.5462% | 3,281 |
| Net charge-offs to loans | 0.1340% | 2,331 |
| Credit loss provision to net charge-offs | 103.9855% | 1,921 |
| Earnings coverage of net charge-offs (x) | 17.1425% | 1,749 |
| Efficiency ratio | 74.0234% | 2,975 |
| Assets per employee ($millions) | 4.6859% | 2,636 |
| Cash dividends to net income (ytd only)* | 46.3062% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 3,768 |
| Loan loss allowance to noncurrent loans | 104.7553% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 4,352 |
| Noncurrent loans to loans | 1.2568% | 2,709 |
| Net loans and leases to total assets | 42.3979% | 5,649 |
| Net loans and leases to deposits | 49.5012% | 5,672 |
| Net loans and leases to core deposits | 50.1872% | 5,782 |
| Total domestic deposits to total assets | 85.6501% | 3,216 |
| Equity capital to assets | 11.0462% | 2,828 |
| Core capital (leverage) ratio | 10.1388% | 3,426 |
| Tier 1 risk-based capital ratio | 16.8571% | 2,681 |
| Total risk-based capital ratio | 17.8830% | 2,733 |
| Memoranda: | ||
| Average total assets | $2,926,629,670 | 271 |
| Average earning assets | $2,699,726,000 | 263 |
| Average equity | $314,946,000 | 279 |
| Average total loans | $1,236,119,000 | 376 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0328% | 6,207 |
| Cost of funding earning assets | 0.1440% | 6,387 |
| Net interest margin | 2.8887% | 5,776 |
| Noninterest income to average assets | 1.0901% | 940 |
| Noninterest expense to average assets | 2.8013% | 3,562 |
| Loan and lease loss provision to assets | 0.0825% | 2,518 |
| Net operating income to assets | 0.8742% | 2,773 |
| Return on assets (ROA) | 0.8742% | 2,845 |
| Pretax return on assets | 0.8742% | 3,811 |
| Return on Equity (ROE) | 8.2335% | 2,825 |
| Retained earnings to average equity (ytd only) | 8.2335% | 1,518 |
| Net charge-offs to loans | 0.2511% | 1,321 |
| Credit loss provision to net charge-offs | 78.4595% | 1,912 |
| Earnings coverage of net charge-offs (x) | 9.0979% | 1,966 |
| Efficiency ratio | 74.1854% | 3,104 |
| Assets per employee ($millions) | 4.6472% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 3,921 |
| Loan loss allowance to noncurrent loans | 89.4067% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6559% | 4,155 |
| Noncurrent loans to loans | 1.4944% | 2,546 |
| Net loans and leases to total assets | 41.4864% | 5,709 |
| Net loans and leases to deposits | 47.5511% | 5,760 |
| Net loans and leases to core deposits | 48.1759% | 5,866 |
| Total domestic deposits to total assets | 87.2459% | 2,668 |
| Equity capital to assets | 10.7961% | 2,942 |
| Core capital (leverage) ratio | 10.1151% | 3,409 |
| Tier 1 risk-based capital ratio | 17.0957% | 2,644 |
| Total risk-based capital ratio | 18.1312% | 2,701 |
| Memoranda: | ||
| Average total assets | $2,913,898,500 | 271 |
| Average earning assets | $2,691,150,000 | 264 |
| Average equity | $309,372,000 | 278 |
| Average total loans | $1,220,017,500 | 376 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0460% | 6,294 |
| Cost of funding earning assets | 0.1568% | 6,511 |
| Net interest margin | 2.8892% | 5,808 |
| Noninterest income to average assets | 1.1287% | 1,102 |
| Noninterest expense to average assets | 2.7871% | 3,774 |
| Loan and lease loss provision to assets | 0.0371% | 4,378 |
| Net operating income to assets | 0.9786% | 2,431 |
| Return on assets (ROA) | 0.9242% | 2,754 |
| Pretax return on assets | 0.9242% | 3,665 |
| Return on Equity (ROE) | 8.4111% | 2,819 |
| Retained earnings to average equity (ytd only) | 3.9625% | 3,382 |
| Net charge-offs to loans | 0.1198% | 3,612 |
| Credit loss provision to net charge-offs | 78.2353% | 3,091 |
| Earnings coverage of net charge-offs (x) | 21.4368% | 1,495 |
| Efficiency ratio | 72.9324% | 3,301 |
| Assets per employee ($millions) | 4.5813% | 2,752 |
| Cash dividends to net income (ytd only)* | 52.8893% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 3,730 |
| Loan loss allowance to noncurrent loans | 70.5666% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 3,779 |
| Noncurrent loans to loans | 1.9597% | 2,031 |
| Net loans and leases to total assets | 41.1102% | 5,885 |
| Net loans and leases to deposits | 47.5994% | 5,920 |
| Net loans and leases to core deposits | 48.2504% | 6,020 |
| Total domestic deposits to total assets | 86.3671% | 3,064 |
| Equity capital to assets | 10.4352% | 3,242 |
| Core capital (leverage) ratio | 10.0124% | 3,554 |
| Tier 1 risk-based capital ratio | 17.1342% | 2,548 |
| Total risk-based capital ratio | 18.2024% | 2,593 |
| Memoranda: | ||
| Average total assets | $2,870,554,200 | 263 |
| Average earning assets | $2,656,790,000 | 259 |
| Average equity | $315,406,000 | 264 |
| Average total loans | $1,134,905,200 | 392 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0508% | 6,367 |
| Cost of funding earning assets | 0.1611% | 6,589 |
| Net interest margin | 2.8897% | 5,841 |
| Noninterest income to average assets | 1.1001% | 1,208 |
| Noninterest expense to average assets | 2.7719% | 3,755 |
| Loan and lease loss provision to assets | 0.0332% | 4,357 |
| Net operating income to assets | 0.9688% | 2,506 |
| Return on assets (ROA) | 0.9701% | 2,602 |
| Pretax return on assets | 0.9701% | 3,615 |
| Return on Equity (ROE) | 8.7184% | 2,780 |
| Retained earnings to average equity (ytd only) | 4.3126% | 3,611 |
| Net charge-offs to loans | 0.1375% | 3,163 |
| Credit loss provision to net charge-offs | 61.9792% | 3,254 |
| Earnings coverage of net charge-offs (x) | 18.6945% | 1,664 |
| Efficiency ratio | 73.0856% | 3,207 |
| Assets per employee ($millions) | 4.5561% | 2,793 |
| Cash dividends to net income (ytd only)* | 50.5348% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 3,780 |
| Loan loss allowance to noncurrent loans | 85.7892% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 4,340 |
| Noncurrent loans to loans | 1.6629% | 2,690 |
| Net loans and leases to total assets | 39.5867% | 6,059 |
| Net loans and leases to deposits | 45.7923% | 6,119 |
| Net loans and leases to core deposits | 46.5686% | 6,189 |
| Total domestic deposits to total assets | 86.4483% | 2,991 |
| Equity capital to assets | 10.3139% | 3,489 |
| Core capital (leverage) ratio | 9.8590% | 3,879 |
| Tier 1 risk-based capital ratio | 17.3692% | 2,551 |
| Total risk-based capital ratio | 18.4601% | 2,590 |
| Memoranda: | ||
| Average total assets | $2,865,498,000 | 262 |
| Average earning assets | $2,651,425,000 | 256 |
| Average equity | $318,842,500 | 260 |
| Average total loans | $1,117,363,750 | 393 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0315% | 6,417 |
| Cost of funding earning assets | 0.1644% | 6,651 |
| Net interest margin | 2.8671% | 5,854 |
| Noninterest income to average assets | 1.0931% | 1,278 |
| Noninterest expense to average assets | 2.7705% | 3,778 |
| Loan and lease loss provision to assets | 0.0280% | 4,368 |
| Net operating income to assets | 0.9494% | 2,575 |
| Return on assets (ROA) | 0.9511% | 2,711 |
| Pretax return on assets | 0.9511% | 3,715 |
| Return on Equity (ROE) | 8.3430% | 2,922 |
| Retained earnings to average equity (ytd only) | 4.1323% | 3,660 |
| Net charge-offs to loans | 0.1410% | 2,973 |
| Credit loss provision to net charge-offs | 51.4139% | 3,183 |
| Earnings coverage of net charge-offs (x) | 17.9602% | 1,578 |
| Efficiency ratio | 73.5564% | 3,215 |
| Assets per employee ($millions) | 4.6276% | 2,609 |
| Cash dividends to net income (ytd only)* | 50.4707% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 3,795 |
| Loan loss allowance to noncurrent loans | 86.1947% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 4,502 |
| Noncurrent loans to loans | 1.6869% | 2,787 |
| Net loans and leases to total assets | 38.3680% | 6,155 |
| Net loans and leases to deposits | 46.0751% | 6,099 |
| Net loans and leases to core deposits | 46.9015% | 6,189 |
| Total domestic deposits to total assets | 83.2727% | 4,602 |
| Equity capital to assets | 10.4028% | 3,425 |
| Core capital (leverage) ratio | 9.7525% | 3,865 |
| Tier 1 risk-based capital ratio | 17.3236% | 2,581 |
| Total risk-based capital ratio | 18.4317% | 2,619 |
| Memoranda: | ||
| Average total assets | $2,859,325,670 | 262 |
| Average earning assets | $2,647,627,670 | 254 |
| Average equity | $325,972,330 | 258 |
| Average total loans | $1,103,748,670 | 396 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0297% | 6,481 |
| Cost of funding earning assets | 0.1745% | 6,700 |
| Net interest margin | 2.8552% | 5,902 |
| Noninterest income to average assets | 1.0717% | 1,296 |
| Noninterest expense to average assets | 2.8003% | 3,697 |
| Loan and lease loss provision to assets | 0.0251% | 4,158 |
| Net operating income to assets | 0.8895% | 2,705 |
| Return on assets (ROA) | 0.8895% | 2,849 |
| Pretax return on assets | 0.8895% | 3,800 |
| Return on Equity (ROE) | 7.4641% | 3,237 |
| Retained earnings to average equity (ytd only) | 6.8486% | 2,229 |
| Net charge-offs to loans | 0.1054% | 2,817 |
| Credit loss provision to net charge-offs | 61.8881% | 2,417 |
| Earnings coverage of net charge-offs (x) | 22.5804% | 1,132 |
| Efficiency ratio | 75.0067% | 3,098 |
| Assets per employee ($millions) | 4.4950% | 2,980 |
| Cash dividends to net income (ytd only)* | 8.2471% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,644 |
| Loan loss allowance to noncurrent loans | 93.5754% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 4,658 |
| Noncurrent loans to loans | 1.6507% | 3,066 |
| Net loans and leases to total assets | 37.8099% | 6,160 |
| Net loans and leases to deposits | 43.8605% | 6,213 |
| Net loans and leases to core deposits | 44.5938% | 6,284 |
| Total domestic deposits to total assets | 86.2049% | 3,412 |
| Equity capital to assets | 11.8478% | 2,142 |
| Core capital (leverage) ratio | 9.9738% | 3,418 |
| Tier 1 risk-based capital ratio | 17.9755% | 2,374 |
| Total risk-based capital ratio | 19.1385% | 2,375 |
| Memoranda: | ||
| Average total assets | $2,824,363,000 | 271 |
| Average earning assets | $2,614,778,000 | 258 |
| Average equity | $336,596,500 | 253 |
| Average total loans | $1,085,384,000 | 402 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4779% | 6,379 |
| Cost of funding earning assets | 0.1944% | 6,851 |
| Net interest margin | 3.2835% | 5,308 |
| Noninterest income to average assets | 1.1159% | 1,250 |
| Noninterest expense to average assets | 2.9504% | 3,462 |
| Loan and lease loss provision to assets | 0.0763% | 4,768 |
| Net operating income to assets | 1.1098% | 1,911 |
| Return on assets (ROA) | 1.1509% | 1,931 |
| Pretax return on assets | 1.1509% | 2,986 |
| Return on Equity (ROE) | 9.1254% | 2,580 |
| Retained earnings to average equity (ytd only) | 5.3073% | 2,498 |
| Net charge-offs to loans | 0.1223% | 4,457 |
| Credit loss provision to net charge-offs | 148.5821% | 1,834 |
| Earnings coverage of net charge-offs (x) | 23.1090% | 1,233 |
| Efficiency ratio | 70.9634% | 3,629 |
| Assets per employee ($millions) | 4.5806% | 2,818 |
| Cash dividends to net income (ytd only)* | 41.8397% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 3,438 |
| Loan loss allowance to noncurrent loans | 95.9767% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 4,716 |
| Noncurrent loans to loans | 1.6366% | 3,168 |
| Net loans and leases to total assets | 37.8518% | 6,318 |
| Net loans and leases to deposits | 44.1198% | 6,361 |
| Net loans and leases to core deposits | 45.0858% | 6,416 |
| Total domestic deposits to total assets | 85.7933% | 3,462 |
| Equity capital to assets | 11.9882% | 2,053 |
| Core capital (leverage) ratio | 10.0215% | 3,367 |
| Tier 1 risk-based capital ratio | 17.8514% | 2,315 |
| Total risk-based capital ratio | 19.0351% | 2,310 |
| Memoranda: | ||
| Average total assets | $2,610,877,600 | 278 |
| Average earning assets | $2,401,784,000 | 271 |
| Average equity | $329,279,400 | 260 |
| Average total loans | $1,095,715,800 | 394 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5763% | 6,419 |
| Cost of funding earning assets | 0.1976% | 6,954 |
| Net interest margin | 3.3786% | 5,100 |
| Noninterest income to average assets | 1.1338% | 1,176 |
| Noninterest expense to average assets | 2.9913% | 3,260 |
| Loan and lease loss provision to assets | 0.0951% | 4,388 |
| Net operating income to assets | 1.1538% | 1,890 |
| Return on assets (ROA) | 1.2096% | 1,880 |
| Pretax return on assets | 1.2096% | 2,959 |
| Return on Equity (ROE) | 9.4629% | 2,607 |
| Retained earnings to average equity (ytd only) | 6.0458% | 2,674 |
| Net charge-offs to loans | 0.1232% | 4,142 |
| Credit loss provision to net charge-offs | 179.9213% | 1,551 |
| Earnings coverage of net charge-offs (x) | 23.6172% | 1,305 |
| Efficiency ratio | 70.1835% | 3,655 |
| Assets per employee ($millions) | 4.3013% | 3,269 |
| Cash dividends to net income (ytd only)* | 36.1101% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 3,547 |
| Loan loss allowance to noncurrent loans | 93.5168% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 4,760 |
| Noncurrent loans to loans | 1.7025% | 3,228 |
| Net loans and leases to total assets | 39.6840% | 6,309 |
| Net loans and leases to deposits | 46.7950% | 6,332 |
| Net loans and leases to core deposits | 47.8412% | 6,429 |
| Total domestic deposits to total assets | 84.8039% | 3,837 |
| Equity capital to assets | 12.6817% | 1,779 |
| Core capital (leverage) ratio | 10.2907% | 3,175 |
| Tier 1 risk-based capital ratio | 17.8579% | 2,405 |
| Total risk-based capital ratio | 19.0751% | 2,384 |
| Memoranda: | ||
| Average total assets | $2,561,624,250 | 281 |
| Average earning assets | $2,355,206,500 | 276 |
| Average equity | $327,445,250 | 262 |
| Average total loans | $1,099,695,000 | 393 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5846% | 6,507 |
| Cost of funding earning assets | 0.2013% | 7,030 |
| Net interest margin | 3.3834% | 5,145 |
| Noninterest income to average assets | 1.1474% | 1,083 |
| Noninterest expense to average assets | 3.0219% | 3,178 |
| Loan and lease loss provision to assets | 0.1405% | 3,761 |
| Net operating income to assets | 1.0923% | 2,068 |
| Return on assets (ROA) | 1.1773% | 1,993 |
| Pretax return on assets | 1.1773% | 3,025 |
| Return on Equity (ROE) | 9.1842% | 2,723 |
| Retained earnings to average equity (ytd only) | 5.7883% | 2,832 |
| Net charge-offs to loans | 0.1737% | 3,559 |
| Credit loss provision to net charge-offs | 184.5114% | 1,538 |
| Earnings coverage of net charge-offs (x) | 16.1892% | 1,605 |
| Efficiency ratio | 70.6599% | 3,664 |
| Assets per employee ($millions) | 4.1817% | 3,495 |
| Cash dividends to net income (ytd only)* | 36.9755% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 3,810 |
| Loan loss allowance to noncurrent loans | 65.1436% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 4,173 |
| Noncurrent loans to loans | 2.3702% | 2,533 |
| Net loans and leases to total assets | 42.1815% | 6,175 |
| Net loans and leases to deposits | 49.8156% | 6,192 |
| Net loans and leases to core deposits | 50.8642% | 6,307 |
| Total domestic deposits to total assets | 84.6754% | 4,015 |
| Equity capital to assets | 12.7069% | 1,682 |
| Core capital (leverage) ratio | 10.4017% | 2,917 |
| Tier 1 risk-based capital ratio | 17.4998% | 2,473 |
| Total risk-based capital ratio | 18.7049% | 2,453 |
| Memoranda: | ||
| Average total assets | $2,526,565,330 | 286 |
| Average earning assets | $2,320,399,000 | 279 |
| Average equity | $323,861,330 | 262 |
| Average total loans | $1,107,788,330 | 392 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 6,519 |
| Cost of funding earning assets | 0.2043% | 7,098 |
| Net interest margin | 3.4399% | 4,957 |
| Noninterest income to average assets | 1.1736% | 1,037 |
| Noninterest expense to average assets | 3.0896% | 2,947 |
| Loan and lease loss provision to assets | 0.1981% | 2,962 |
| Net operating income to assets | 1.0412% | 2,322 |
| Return on assets (ROA) | 1.2036% | 1,906 |
| Pretax return on assets | 1.2036% | 2,900 |
| Return on Equity (ROE) | 9.3472% | 2,661 |
| Retained earnings to average equity (ytd only) | 9.3472% | 1,462 |
| Net charge-offs to loans | 0.2948% | 2,483 |
| Credit loss provision to net charge-offs | 151.4706% | 1,653 |
| Earnings coverage of net charge-offs (x) | 9.4755% | 1,842 |
| Efficiency ratio | 71.0086% | 3,620 |
| Assets per employee ($millions) | 4.0279% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 4,098 |
| Loan loss allowance to noncurrent loans | 59.2464% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1970% | 4,127 |
| Noncurrent loans to loans | 2.5508% | 2,554 |
| Net loans and leases to total assets | 43.1715% | 6,085 |
| Net loans and leases to deposits | 50.7802% | 6,088 |
| Net loans and leases to core deposits | 52.0016% | 6,205 |
| Total domestic deposits to total assets | 85.0165% | 4,028 |
| Equity capital to assets | 12.7953% | 1,547 |
| Core capital (leverage) ratio | 10.6404% | 2,606 |
| Tier 1 risk-based capital ratio | 17.5849% | 2,444 |
| Total risk-based capital ratio | 18.7742% | 2,437 |
| Memoranda: | ||
| Average total assets | $2,495,617,000 | 285 |
| Average earning assets | $2,289,133,500 | 280 |
| Average equity | $321,335,500 | 259 |
| Average total loans | $1,107,194,500 | 389 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9878% | 6,475 |
| Cost of funding earning assets | 0.2340% | 7,197 |
| Net interest margin | 3.7538% | 4,061 |
| Noninterest income to average assets | 1.2016% | 917 |
| Noninterest expense to average assets | 3.1688% | 2,972 |
| Loan and lease loss provision to assets | 0.2105% | 4,081 |
| Net operating income to assets | 1.2616% | 1,343 |
| Return on assets (ROA) | 1.2412% | 1,502 |
| Pretax return on assets | 1.2412% | 2,324 |
| Return on Equity (ROE) | 10.1299% | 2,019 |
| Retained earnings to average equity (ytd only) | 6.8294% | 1,582 |
| Net charge-offs to loans | 0.5413% | 2,848 |
| Credit loss provision to net charge-offs | 83.9205% | 4,283 |
| Earnings coverage of net charge-offs (x) | 5.8686% | 2,658 |
| Efficiency ratio | 67.9248% | 4,375 |
| Assets per employee ($millions) | 3.9264% | 4,020 |
| Cash dividends to net income (ytd only)* | 32.5819% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 4,135 |
| Loan loss allowance to noncurrent loans | 56.7502% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.2304% | 4,176 |
| Noncurrent loans to loans | 2.5953% | 2,520 |
| Net loans and leases to total assets | 44.2486% | 6,185 |
| Net loans and leases to deposits | 52.3114% | 6,182 |
| Net loans and leases to core deposits | 53.6128% | 6,327 |
| Total domestic deposits to total assets | 84.5869% | 4,052 |
| Equity capital to assets | 12.9586% | 1,509 |
| Core capital (leverage) ratio | 10.5519% | 2,661 |
| Tier 1 risk-based capital ratio | 17.2284% | 2,500 |
| Total risk-based capital ratio | 18.4025% | 2,494 |
| Memoranda: | ||
| Average total assets | $2,387,482,400 | 294 |
| Average earning assets | $2,187,456,800 | 287 |
| Average equity | $292,529,200 | 267 |
| Average total loans | $1,106,403,200 | 381 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 6,519 |
| Cost of funding earning assets | 0.2424% | 7,284 |
| Net interest margin | 3.8010% | 3,881 |
| Noninterest income to average assets | 1.1730% | 959 |
| Noninterest expense to average assets | 3.1781% | 2,887 |
| Loan and lease loss provision to assets | 0.2194% | 3,818 |
| Net operating income to assets | 1.2592% | 1,489 |
| Return on assets (ROA) | 1.3388% | 1,380 |
| Pretax return on assets | 1.3388% | 2,155 |
| Return on Equity (ROE) | 11.0931% | 1,837 |
| Retained earnings to average equity (ytd only) | 7.7606% | 1,603 |
| Net charge-offs to loans | 0.5303% | 2,640 |
| Credit loss provision to net charge-offs | 88.5682% | 3,817 |
| Earnings coverage of net charge-offs (x) | 5.9682% | 2,655 |
| Efficiency ratio | 67.8911% | 4,344 |
| Assets per employee ($millions) | 3.8245% | 4,251 |
| Cash dividends to net income (ytd only)* | 30.0416% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 4,137 |
| Loan loss allowance to noncurrent loans | 55.1572% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.3237% | 4,159 |
| Noncurrent loans to loans | 2.7054% | 2,584 |
| Net loans and leases to total assets | 45.8735% | 6,160 |
| Net loans and leases to deposits | 54.1451% | 6,201 |
| Net loans and leases to core deposits | 55.5003% | 6,348 |
| Total domestic deposits to total assets | 84.7232% | 3,899 |
| Equity capital to assets | 13.0104% | 1,610 |
| Core capital (leverage) ratio | 10.5072% | 2,858 |
| Tier 1 risk-based capital ratio | 16.9160% | 2,672 |
| Total risk-based capital ratio | 18.1276% | 2,659 |
| Memoranda: | ||
| Average total assets | $2,367,914,250 | 296 |
| Average earning assets | $2,170,284,250 | 290 |
| Average equity | $285,779,500 | 272 |
| Average total loans | $1,106,161,250 | 388 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 6,559 |
| Cost of funding earning assets | 0.2542% | 7,357 |
| Net interest margin | 3.8042% | 3,760 |
| Noninterest income to average assets | 1.1594% | 953 |
| Noninterest expense to average assets | 3.2263% | 2,818 |
| Loan and lease loss provision to assets | 0.2550% | 3,364 |
| Net operating income to assets | 1.1663% | 1,678 |
| Return on assets (ROA) | 1.1896% | 1,699 |
| Pretax return on assets | 1.1896% | 2,523 |
| Return on Equity (ROE) | 10.1273% | 2,081 |
| Retained earnings to average equity (ytd only) | 6.8442% | 1,949 |
| Net charge-offs to loans | 0.6384% | 2,241 |
| Credit loss provision to net charge-offs | 85.4214% | 3,605 |
| Earnings coverage of net charge-offs (x) | 4.7608% | 2,788 |
| Efficiency ratio | 69.0602% | 4,318 |
| Assets per employee ($millions) | 3.7664% | 4,280 |
| Cash dividends to net income (ytd only)* | 32.4187% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 4,039 |
| Loan loss allowance to noncurrent loans | 54.6014% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3592% | 4,192 |
| Noncurrent loans to loans | 2.7828% | 2,619 |
| Net loans and leases to total assets | 45.8564% | 6,287 |
| Net loans and leases to deposits | 54.3936% | 6,282 |
| Net loans and leases to core deposits | 55.9323% | 6,419 |
| Total domestic deposits to total assets | 84.3047% | 4,214 |
| Equity capital to assets | 12.2771% | 1,919 |
| Core capital (leverage) ratio | 10.4245% | 2,795 |
| Tier 1 risk-based capital ratio | 16.5972% | 2,694 |
| Total risk-based capital ratio | 17.8243% | 2,662 |
| Memoranda: | ||
| Average total assets | $2,352,799,670 | 304 |
| Average earning assets | $2,157,341,000 | 294 |
| Average equity | $276,381,330 | 279 |
| Average total loans | $1,100,276,330 | 396 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 6,518 |
| Cost of funding earning assets | 0.2610% | 7,425 |
| Net interest margin | 3.8282% | 3,476 |
| Noninterest income to average assets | 1.1683% | 947 |
| Noninterest expense to average assets | 3.2890% | 2,594 |
| Loan and lease loss provision to assets | 0.2412% | 3,264 |
| Net operating income to assets | 1.1538% | 1,651 |
| Return on assets (ROA) | 1.1538% | 1,700 |
| Pretax return on assets | 1.1538% | 2,543 |
| Return on Equity (ROE) | 10.0510% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.0510% | 1,107 |
| Net charge-offs to loans | 0.7521% | 1,717 |
| Credit loss provision to net charge-offs | 68.4414% | 3,376 |
| Earnings coverage of net charge-offs (x) | 3.9579% | 2,598 |
| Efficiency ratio | 69.8609% | 4,306 |
| Assets per employee ($millions) | 3.7094% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 4,074 |
| Loan loss allowance to noncurrent loans | 52.4669% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.4018% | 4,179 |
| Noncurrent loans to loans | 2.9095% | 2,585 |
| Net loans and leases to total assets | 45.6627% | 6,317 |
| Net loans and leases to deposits | 53.5223% | 6,343 |
| Net loans and leases to core deposits | 54.9997% | 6,483 |
| Total domestic deposits to total assets | 85.3153% | 3,881 |
| Equity capital to assets | 11.7244% | 2,104 |
| Core capital (leverage) ratio | 10.2954% | 2,806 |
| Tier 1 risk-based capital ratio | 16.7662% | 2,561 |
| Total risk-based capital ratio | 18.0162% | 2,530 |
| Memoranda: | ||
| Average total assets | $2,344,681,000 | 308 |
| Average earning assets | $2,153,302,000 | 299 |
| Average equity | $269,147,500 | 284 |
| Average total loans | $1,098,856,500 | 401 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 6,729 |
| Cost of funding earning assets | 0.3302% | 7,484 |
| Net interest margin | 4.0017% | 3,012 |
| Noninterest income to average assets | 1.2888% | 882 |
| Noninterest expense to average assets | 3.3107% | 2,709 |
| Loan and lease loss provision to assets | 0.3408% | 4,105 |
| Net operating income to assets | 1.3021% | 1,169 |
| Return on assets (ROA) | 1.3773% | 1,061 |
| Pretax return on assets | 1.3773% | 1,718 |
| Return on Equity (ROE) | 11.7737% | 1,375 |
| Retained earnings to average equity (ytd only) | 6.9874% | 1,330 |
| Net charge-offs to loans | 0.3613% | 4,212 |
| Credit loss provision to net charge-offs | 194.4514% | 1,634 |
| Earnings coverage of net charge-offs (x) | 9.3733% | 1,833 |
| Efficiency ratio | 66.4840% | 4,876 |
| Assets per employee ($millions) | 3.6813% | 4,505 |
| Cash dividends to net income (ytd only)* | 40.6525% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 3,744 |
| Loan loss allowance to noncurrent loans | 52.9684% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 4,141 |
| Noncurrent loans to loans | 2.9407% | 2,595 |
| Net loans and leases to total assets | 46.6250% | 6,509 |
| Net loans and leases to deposits | 54.9422% | 6,526 |
| Net loans and leases to core deposits | 56.1020% | 6,687 |
| Total domestic deposits to total assets | 84.8618% | 3,923 |
| Equity capital to assets | 11.2331% | 2,469 |
| Core capital (leverage) ratio | 9.9993% | 3,093 |
| Tier 1 risk-based capital ratio | 15.9127% | 2,790 |
| Total risk-based capital ratio | 17.1629% | 2,747 |
| Memoranda: | ||
| Average total assets | $2,272,348,600 | 312 |
| Average earning assets | $2,081,109,800 | 303 |
| Average equity | $265,822,400 | 284 |
| Average total loans | $1,102,398,000 | 409 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 6,836 |
| Cost of funding earning assets | 0.3474% | 7,610 |
| Net interest margin | 4.0391% | 2,911 |
| Noninterest income to average assets | 1.2613% | 866 |
| Noninterest expense to average assets | 3.2821% | 2,623 |
| Loan and lease loss provision to assets | 0.3077% | 4,119 |
| Net operating income to assets | 1.3659% | 1,181 |
| Return on assets (ROA) | 1.3455% | 1,314 |
| Pretax return on assets | 1.3455% | 2,045 |
| Return on Equity (ROE) | 11.3847% | 1,678 |
| Retained earnings to average equity (ytd only) | 6.8974% | 1,905 |
| Net charge-offs to loans | 0.4181% | 3,616 |
| Credit loss provision to net charge-offs | 150.7532% | 2,581 |
| Earnings coverage of net charge-offs (x) | 8.2002% | 2,195 |
| Efficiency ratio | 65.8765% | 4,890 |
| Assets per employee ($millions) | 3.7197% | 4,463 |
| Cash dividends to net income (ytd only)* | 39.4147% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 4,428 |
| Loan loss allowance to noncurrent loans | 45.7277% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 1.4991% | 4,206 |
| Noncurrent loans to loans | 3.0751% | 2,596 |
| Net loans and leases to total assets | 45.7393% | 6,716 |
| Net loans and leases to deposits | 54.5803% | 6,722 |
| Net loans and leases to core deposits | 55.6863% | 6,874 |
| Total domestic deposits to total assets | 83.8017% | 4,231 |
| Equity capital to assets | 12.2386% | 2,016 |
| Core capital (leverage) ratio | 9.8934% | 3,366 |
| Tier 1 risk-based capital ratio | 15.7794% | 2,867 |
| Total risk-based capital ratio | 16.9113% | 2,879 |
| Memoranda: | ||
| Average total assets | $2,255,106,000 | 311 |
| Average earning assets | $2,062,628,250 | 304 |
| Average equity | $266,527,500 | 277 |
| Average total loans | $1,100,769,500 | 411 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 6,796 |
| Cost of funding earning assets | 0.3737% | 7,676 |
| Net interest margin | 4.0790% | 2,662 |
| Noninterest income to average assets | 1.3166% | 733 |
| Noninterest expense to average assets | 3.3221% | 2,495 |
| Loan and lease loss provision to assets | 0.3072% | 3,928 |
| Net operating income to assets | 1.4140% | 1,072 |
| Return on assets (ROA) | 1.3622% | 1,238 |
| Pretax return on assets | 1.3622% | 1,916 |
| Return on Equity (ROE) | 11.6705% | 1,536 |
| Retained earnings to average equity (ytd only) | 6.9260% | 1,870 |
| Net charge-offs to loans | 0.3369% | 3,647 |
| Credit loss provision to net charge-offs | 183.6286% | 2,146 |
| Earnings coverage of net charge-offs (x) | 10.2872% | 1,910 |
| Efficiency ratio | 65.5222% | 5,062 |
| Assets per employee ($millions) | 3.5349% | 4,827 |
| Cash dividends to net income (ytd only)* | 40.6541% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 4,540 |
| Loan loss allowance to noncurrent loans | 57.1207% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.3758% | 4,420 |
| Noncurrent loans to loans | 2.4122% | 3,236 |
| Net loans and leases to total assets | 47.8999% | 6,631 |
| Net loans and leases to deposits | 56.3277% | 6,700 |
| Net loans and leases to core deposits | 57.4996% | 6,860 |
| Total domestic deposits to total assets | 85.0380% | 3,604 |
| Equity capital to assets | 11.9881% | 2,101 |
| Core capital (leverage) ratio | 10.0002% | 3,162 |
| Tier 1 risk-based capital ratio | 15.4448% | 2,928 |
| Total risk-based capital ratio | 16.5634% | 2,961 |
| Memoranda: | ||
| Average total assets | $2,226,909,000 | 312 |
| Average earning assets | $2,034,549,330 | 306 |
| Average equity | $259,921,000 | 284 |
| Average total loans | $1,105,885,000 | 415 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 6,830 |
| Cost of funding earning assets | 0.4013% | 7,772 |
| Net interest margin | 4.0773% | 2,539 |
| Noninterest income to average assets | 1.2797% | 740 |
| Noninterest expense to average assets | 3.3586% | 2,350 |
| Loan and lease loss provision to assets | 0.2581% | 3,972 |
| Net operating income to assets | 1.3867% | 1,103 |
| Return on assets (ROA) | 1.2861% | 1,399 |
| Pretax return on assets | 1.2861% | 2,087 |
| Return on Equity (ROE) | 11.1725% | 1,729 |
| Retained earnings to average equity (ytd only) | 11.1725% | 884 |
| Net charge-offs to loans | 0.4097% | 2,814 |
| Credit loss provision to net charge-offs | 125.4609% | 2,801 |
| Earnings coverage of net charge-offs (x) | 7.9947% | 2,004 |
| Efficiency ratio | 66.7726% | 4,958 |
| Assets per employee ($millions) | 3.5974% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 5,243 |
| Loan loss allowance to noncurrent loans | 64.9306% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 5,170 |
| Noncurrent loans to loans | 1.9192% | 3,903 |
| Net loans and leases to total assets | 48.8775% | 6,585 |
| Net loans and leases to deposits | 57.3427% | 6,668 |
| Net loans and leases to core deposits | 58.8081% | 6,830 |
| Total domestic deposits to total assets | 85.2374% | 3,544 |
| Equity capital to assets | 11.6660% | 2,253 |
| Core capital (leverage) ratio | 9.9759% | 3,193 |
| Tier 1 risk-based capital ratio | 15.1909% | 3,013 |
| Total risk-based capital ratio | 16.2276% | 3,084 |
| Memoranda: | ||
| Average total assets | $2,214,504,000 | 321 |
| Average earning assets | $2,022,394,000 | 313 |
| Average equity | $254,912,000 | 291 |
| Average total loans | $1,112,007,000 | 430 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 6,972 |
| Cost of funding earning assets | 0.6176% | 7,766 |
| Net interest margin | 4.1699% | 2,181 |
| Noninterest income to average assets | 1.4909% | 645 |
| Noninterest expense to average assets | 3.5275% | 2,316 |
| Loan and lease loss provision to assets | 0.5106% | 3,824 |
| Net operating income to assets | 1.2428% | 1,147 |
| Return on assets (ROA) | 1.1729% | 1,362 |
| Pretax return on assets | 1.1729% | 2,026 |
| Return on Equity (ROE) | 10.2324% | 1,625 |
| Retained earnings to average equity (ytd only) | 6.6783% | 1,083 |
| Net charge-offs to loans | 0.6750% | 3,160 |
| Credit loss provision to net charge-offs | 141.1376% | 3,441 |
| Earnings coverage of net charge-offs (x) | 4.8467% | 2,787 |
| Efficiency ratio | 66.4346% | 5,302 |
| Assets per employee ($millions) | 3.4729% | 5,074 |
| Cash dividends to net income (ytd only)* | 34.7343% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 5,294 |
| Loan loss allowance to noncurrent loans | 143.4441% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 6,307 |
| Noncurrent loans to loans | 0.8436% | 5,603 |
| Net loans and leases to total assets | 50.3338% | 6,602 |
| Net loans and leases to deposits | 58.1834% | 6,774 |
| Net loans and leases to core deposits | 63.1084% | 7,145 |
| Total domestic deposits to total assets | 86.5089% | 2,759 |
| Equity capital to assets | 11.3527% | 2,431 |
| Core capital (leverage) ratio | 9.7609% | 3,381 |
| Tier 1 risk-based capital ratio | 14.3460% | 3,292 |
| Total risk-based capital ratio | 15.3164% | 3,411 |
| Memoranda: | ||
| Average total assets | $2,050,785,800 | 346 |
| Average earning assets | $1,863,932,600 | 341 |
| Average equity | $235,076,400 | 302 |
| Average total loans | $1,099,155,000 | 448 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 7,039 |
| Cost of funding earning assets | 0.6593% | 7,848 |
| Net interest margin | 4.1733% | 2,142 |
| Noninterest income to average assets | 1.5068% | 648 |
| Noninterest expense to average assets | 3.5423% | 2,165 |
| Loan and lease loss provision to assets | 0.5605% | 3,148 |
| Net operating income to assets | 1.1940% | 1,479 |
| Return on assets (ROA) | 1.1334% | 1,698 |
| Pretax return on assets | 1.1334% | 2,464 |
| Return on Equity (ROE) | 9.8618% | 1,971 |
| Retained earnings to average equity (ytd only) | 5.4978% | 2,206 |
| Net charge-offs to loans | 0.3256% | 4,010 |
| Credit loss provision to net charge-offs | 316.9035% | 1,301 |
| Earnings coverage of net charge-offs (x) | 9.9196% | 2,038 |
| Efficiency ratio | 66.5081% | 5,287 |
| Assets per employee ($millions) | 3.4516% | 5,047 |
| Cash dividends to net income (ytd only)* | 44.2512% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 3,668 |
| Loan loss allowance to noncurrent loans | 175.2047% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 6,324 |
| Noncurrent loans to loans | 0.8303% | 5,638 |
| Net loans and leases to total assets | 50.7298% | 6,718 |
| Net loans and leases to deposits | 58.3465% | 6,944 |
| Net loans and leases to core deposits | 63.6843% | 7,258 |
| Total domestic deposits to total assets | 86.9458% | 2,204 |
| Equity capital to assets | 11.3099% | 2,738 |
| Core capital (leverage) ratio | 9.9232% | 3,371 |
| Tier 1 risk-based capital ratio | 13.9532% | 3,576 |
| Total risk-based capital ratio | 15.1228% | 3,564 |
| Memoranda: | ||
| Average total assets | $2,015,627,500 | 365 |
| Average earning assets | $1,830,536,000 | 355 |
| Average equity | $231,649,000 | 317 |
| Average total loans | $1,094,809,750 | 463 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9205% | 6,983 |
| Cost of funding earning assets | 0.6984% | 7,922 |
| Net interest margin | 4.2222% | 1,909 |
| Noninterest income to average assets | 1.5420% | 626 |
| Noninterest expense to average assets | 3.6624% | 1,913 |
| Loan and lease loss provision to assets | 0.4461% | 3,306 |
| Net operating income to assets | 1.2585% | 1,334 |
| Return on assets (ROA) | 1.2075% | 1,542 |
| Pretax return on assets | 1.2075% | 2,281 |
| Return on Equity (ROE) | 10.4459% | 1,866 |
| Retained earnings to average equity (ytd only) | 5.9617% | 2,040 |
| Net charge-offs to loans | 0.3234% | 3,564 |
| Credit loss provision to net charge-offs | 249.1468% | 1,875 |
| Earnings coverage of net charge-offs (x) | 9.5205% | 2,117 |
| Efficiency ratio | 67.8679% | 5,173 |
| Assets per employee ($millions) | 3.1680% | 5,668 |
| Cash dividends to net income (ytd only)* | 42.9282% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,131 |
| Loan loss allowance to noncurrent loans | 130.5098% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 6,178 |
| Noncurrent loans to loans | 0.8979% | 5,417 |
| Net loans and leases to total assets | 54.4971% | 6,384 |
| Net loans and leases to deposits | 62.8182% | 6,672 |
| Net loans and leases to core deposits | 69.0895% | 7,072 |
| Total domestic deposits to total assets | 86.7536% | 2,375 |
| Equity capital to assets | 11.2151% | 2,742 |
| Core capital (leverage) ratio | 10.0264% | 3,269 |
| Tier 1 risk-based capital ratio | 13.9515% | 3,547 |
| Total risk-based capital ratio | 14.9148% | 3,643 |
| Memoranda: | ||
| Average total assets | $1,963,812,330 | 382 |
| Average earning assets | $1,779,035,000 | 378 |
| Average equity | $227,016,330 | 325 |
| Average total loans | $1,087,199,330 | 482 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 7,125 |
| Cost of funding earning assets | 0.7254% | 7,978 |
| Net interest margin | 4.1949% | 1,919 |
| Noninterest income to average assets | 1.4938% | 632 |
| Noninterest expense to average assets | 3.6964% | 1,665 |
| Loan and lease loss provision to assets | 0.4973% | 2,484 |
| Net operating income to assets | 1.0898% | 1,997 |
| Return on assets (ROA) | 1.0191% | 2,371 |
| Pretax return on assets | 1.0191% | 3,274 |
| Return on Equity (ROE) | 8.6799% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.6799% | 1,572 |
| Net charge-offs to loans | 0.2443% | 3,179 |
| Credit loss provision to net charge-offs | 367.0229% | 1,388 |
| Earnings coverage of net charge-offs (x) | 11.7130% | 1,859 |
| Efficiency ratio | 69.5771% | 4,660 |
| Assets per employee ($millions) | 3.1446% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 5,267 |
| Loan loss allowance to noncurrent loans | 127.0211% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 6,018 |
| Noncurrent loans to loans | 0.8886% | 5,230 |
| Net loans and leases to total assets | 53.7212% | 6,500 |
| Net loans and leases to deposits | 62.1146% | 6,729 |
| Net loans and leases to core deposits | 68.8395% | 7,090 |
| Total domestic deposits to total assets | 86.4872% | 2,453 |
| Equity capital to assets | 11.6932% | 2,452 |
| Core capital (leverage) ratio | 10.3381% | 3,080 |
| Tier 1 risk-based capital ratio | 14.0640% | 3,549 |
| Total risk-based capital ratio | 15.0035% | 3,640 |
| Memoranda: | ||
| Average total assets | $1,933,539,000 | 383 |
| Average earning assets | $1,746,802,500 | 386 |
| Average equity | $227,008,000 | 327 |
| Average total loans | $1,072,650,500 | 490 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5538% | 7,187 |
| Cost of funding earning assets | 1.1891% | 7,954 |
| Net interest margin | 4.3647% | 1,782 |
| Noninterest income to average assets | 1.8356% | 402 |
| Noninterest expense to average assets | 3.7293% | 1,893 |
| Loan and lease loss provision to assets | 0.2647% | 4,278 |
| Net operating income to assets | 1.7506% | 605 |
| Return on assets (ROA) | 1.7366% | 598 |
| Pretax return on assets | 1.7366% | 1,073 |
| Return on Equity (ROE) | 14.4125% | 1,028 |
| Retained earnings to average equity (ytd only) | 7.8414% | 891 |
| Net charge-offs to loans | 0.2297% | 3,944 |
| Credit loss provision to net charge-offs | 211.9185% | 2,279 |
| Earnings coverage of net charge-offs (x) | 16.1351% | 1,866 |
| Efficiency ratio | 64.5403% | 5,440 |
| Assets per employee ($millions) | 2.9413% | 6,193 |
| Cash dividends to net income (ytd only)* | 45.5930% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 6,185 |
| Loan loss allowance to noncurrent loans | 532.8069% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 7,140 |
| Noncurrent loans to loans | 0.1845% | 6,836 |
| Net loans and leases to total assets | 56.1296% | 6,420 |
| Net loans and leases to deposits | 65.1911% | 6,699 |
| Net loans and leases to core deposits | 72.5841% | 7,037 |
| Total domestic deposits to total assets | 86.1001% | 2,357 |
| Equity capital to assets | 11.7908% | 2,440 |
| Core capital (leverage) ratio | 10.6450% | 2,867 |
| Tier 1 risk-based capital ratio | 14.1713% | 3,467 |
| Total risk-based capital ratio | 15.0094% | 3,586 |
| Memoranda: | ||
| Average total assets | $1,807,047,000 | 395 |
| Average earning assets | $1,618,400,800 | 398 |
| Average equity | $217,741,800 | 343 |
| Average total loans | $982,433,800 | 501 |