Home > Brookline Bank > Performance and Condition Ratios
Brookline 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 | 5.8373% | 783 |
| Cost of funding earning assets | 2.5213% | 347 |
| Net interest margin | 3.3160% | 2,590 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.9930% | 3,651 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 0.9090% | 2,520 |
| Return on assets (ROA) | 0.9090% | 2,489 |
| Pretax return on assets | 1.1121% | 2,378 |
| Return on Equity (ROE) | 9.6700% | 2,590 |
| Retained earnings to average equity (ytd only) | 1.6253% | 3,671 |
| Net charge-offs to loans | 0.3436% | 319 |
| Credit loss provision to net charge-offs | 97.4247% | 1,873 |
| Earnings coverage of net charge-offs (x) | 4.6251% | 2,577 |
| Efficiency ratio | 58.6551% | 3,225 |
| Assets per employee ($millions) | 11.6084% | 458 |
| Cash dividends to net income (ytd only)* | 83.1872% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,055 |
| Loan loss allowance to noncurrent loans | 197.1512% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 990 |
| Noncurrent loans to loans | 0.6306% | 1,249 |
| Net loans and leases to total assets | 88.4900% | 67 |
| Net loans and leases to deposits | 122.7461% | 68 |
| Net loans and leases to core deposits | 149.8085% | 204 |
| Total domestic deposits to total assets | 72.1000% | 4,225 |
| Equity capital to assets | 9.4805% | 2,360 |
| Core capital (leverage) ratio | 9.4561% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6391% | 2,673 |
| Memoranda: | ||
| Average total assets | $6,149,673,000 | 238 |
| Average earning assets | $5,790,717,800 | 230 |
| Average equity | $578,247,600 | 238 |
| Average total loans | $5,413,008,800 | 195 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7586% | 723 |
| Cost of funding earning assets | 2.4253% | 319 |
| Net interest margin | 3.3334% | 2,613 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.9877% | 3,623 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.9360% | 2,561 |
| Return on assets (ROA) | 0.9360% | 2,550 |
| Pretax return on assets | 1.1528% | 2,409 |
| Return on Equity (ROE) | 9.9800% | 2,638 |
| Retained earnings to average equity (ytd only) | 1.9915% | 3,728 |
| Net charge-offs to loans | 0.3100% | 284 |
| Credit loss provision to net charge-offs | 100.8395% | 1,613 |
| Earnings coverage of net charge-offs (x) | 5.2203% | 2,358 |
| Efficiency ratio | 58.2671% | 3,175 |
| Assets per employee ($millions) | 11.4177% | 449 |
| Cash dividends to net income (ytd only)* | 80.0353% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 1,916 |
| Loan loss allowance to noncurrent loans | 181.3088% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 919 |
| Noncurrent loans to loans | 0.7108% | 1,163 |
| Net loans and leases to total assets | 87.8100% | 85 |
| Net loans and leases to deposits | 119.7009% | 78 |
| Net loans and leases to core deposits | 145.5514% | 171 |
| Total domestic deposits to total assets | 73.3600% | 4,202 |
| Equity capital to assets | 9.4462% | 2,130 |
| Core capital (leverage) ratio | 9.5269% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7192% | 2,683 |
| Memoranda: | ||
| Average total assets | $6,140,270,000 | 240 |
| Average earning assets | $5,775,864,750 | 234 |
| Average equity | $576,162,750 | 239 |
| Average total loans | $5,380,175,750 | 197 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6749% | 664 |
| Cost of funding earning assets | 2.3136% | 268 |
| Net interest margin | 3.3614% | 2,612 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.9755% | 3,646 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.9944% | 2,436 |
| Return on assets (ROA) | 0.9944% | 2,428 |
| Pretax return on assets | 1.2352% | 2,272 |
| Return on Equity (ROE) | 10.6200% | 2,529 |
| Retained earnings to average equity (ytd only) | 3.6919% | 3,286 |
| Net charge-offs to loans | 0.0582% | 957 |
| Credit loss provision to net charge-offs | 520.5112% | 634 |
| Earnings coverage of net charge-offs (x) | 29.8588% | 1,554 |
| Efficiency ratio | 56.4853% | 3,359 |
| Assets per employee ($millions) | 11.3153% | 469 |
| Cash dividends to net income (ytd only)* | 65.2380% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,456 |
| Loan loss allowance to noncurrent loans | 238.4579% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 1,037 |
| Noncurrent loans to loans | 0.5955% | 1,255 |
| Net loans and leases to total assets | 86.9700% | 119 |
| Net loans and leases to deposits | 119.6482% | 95 |
| Net loans and leases to core deposits | 144.4947% | 180 |
| Total domestic deposits to total assets | 72.6900% | 4,266 |
| Equity capital to assets | 9.5764% | 2,108 |
| Core capital (leverage) ratio | 9.3270% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3688% | 2,516 |
| Memoranda: | ||
| Average total assets | $6,166,100,667 | 235 |
| Average earning assets | $5,805,741,333 | 227 |
| Average equity | $577,315,333 | 234 |
| Average total loans | $5,375,764,333 | 188 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4141% | 701 |
| Cost of funding earning assets | 2.0262% | 284 |
| Net interest margin | 3.3878% | 2,664 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 1.9591% | 3,715 |
| Loan and lease loss provision to assets | 0.5600% | 129 |
| Net operating income to assets | 0.9205% | 2,787 |
| Return on assets (ROA) | 0.9205% | 2,741 |
| Pretax return on assets | 1.1628% | 2,532 |
| Return on Equity (ROE) | 9.9400% | 2,804 |
| Retained earnings to average equity (ytd only) | 2.9925% | 3,508 |
| Net charge-offs to loans | 0.0370% | 993 |
| Credit loss provision to net charge-offs | 1,516.4329% | 255 |
| Earnings coverage of net charge-offs (x) | 53.6914% | 1,075 |
| Efficiency ratio | 53.0879% | 3,700 |
| Assets per employee ($millions) | 12.5543% | 344 |
| Cash dividends to net income (ytd only)* | 69.9007% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 1,647 |
| Loan loss allowance to noncurrent loans | 450.3769% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 1,810 |
| Noncurrent loans to loans | 0.3093% | 2,038 |
| Net loans and leases to total assets | 84.8900% | 190 |
| Net loans and leases to deposits | 124.5296% | 59 |
| Net loans and leases to core deposits | 151.5497% | 118 |
| Total domestic deposits to total assets | 68.1700% | 4,457 |
| Equity capital to assets | 9.1000% | 2,439 |
| Core capital (leverage) ratio | 9.3713% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1523% | 2,680 |
| Memoranda: | ||
| Average total assets | $6,216,656,000 | 237 |
| Average earning assets | $5,859,323,000 | 231 |
| Average equity | $575,570,000 | 239 |
| Average total loans | $5,388,146,000 | 192 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 826 |
| Cost of funding earning assets | 0.5057% | 1,348 |
| Net interest margin | 3.9278% | 896 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.0483% | 3,446 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.4397% | 1,027 |
| Return on assets (ROA) | 1.4341% | 1,005 |
| Pretax return on assets | 1.7824% | 771 |
| Return on Equity (ROE) | 13.9400% | 1,550 |
| Retained earnings to average equity (ytd only) | 0.2178% | 4,310 |
| Net charge-offs to loans | 0.0775% | 871 |
| Credit loss provision to net charge-offs | 125.6088% | 1,430 |
| Earnings coverage of net charge-offs (x) | 28.7662% | 1,707 |
| Efficiency ratio | 50.8805% | 4,072 |
| Assets per employee ($millions) | 11.0506% | 497 |
| Cash dividends to net income (ytd only)* | 98.4372% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 1,834 |
| Loan loss allowance to noncurrent loans | 595.0532% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 2,213 |
| Noncurrent loans to loans | 0.2207% | 2,387 |
| Net loans and leases to total assets | 86.1400% | 149 |
| Net loans and leases to deposits | 126.7336% | 49 |
| Net loans and leases to core deposits | 141.2646% | 137 |
| Total domestic deposits to total assets | 67.9700% | 4,507 |
| Equity capital to assets | 9.4255% | 2,067 |
| Core capital (leverage) ratio | 9.7179% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4962% | 2,573 |
| Memoranda: | ||
| Average total assets | $5,702,417,000 | 251 |
| Average earning assets | $5,406,702,600 | 240 |
| Average equity | $586,644,200 | 241 |
| Average total loans | $5,035,279,800 | 194 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 940 |
| Cost of funding earning assets | 0.2987% | 2,182 |
| Net interest margin | 3.8716% | 842 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.0234% | 3,422 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.4089% | 1,066 |
| Return on assets (ROA) | 1.4089% | 1,039 |
| Pretax return on assets | 1.7978% | 735 |
| Return on Equity (ROE) | 13.3900% | 1,589 |
| Retained earnings to average equity (ytd only) | 0.4113% | 4,283 |
| Net charge-offs to loans | 0.0966% | 634 |
| Credit loss provision to net charge-offs | 27.5757% | 1,609 |
| Earnings coverage of net charge-offs (x) | 22.4088% | 1,667 |
| Efficiency ratio | 51.2309% | 4,065 |
| Assets per employee ($millions) | 10.6043% | 554 |
| Cash dividends to net income (ytd only)* | 96.9286% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,052 |
| Loan loss allowance to noncurrent loans | 271.3514% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 1,271 |
| Noncurrent loans to loans | 0.4773% | 1,606 |
| Net loans and leases to total assets | 88.3900% | 52 |
| Net loans and leases to deposits | 113.3868% | 90 |
| Net loans and leases to core deposits | 121.6481% | 234 |
| Total domestic deposits to total assets | 77.9600% | 4,262 |
| Equity capital to assets | 10.0244% | 1,611 |
| Core capital (leverage) ratio | 10.1938% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8024% | 2,554 |
| Memoranda: | ||
| Average total assets | $5,614,083,250 | 253 |
| Average earning assets | $5,332,548,750 | 243 |
| Average equity | $590,609,750 | 241 |
| Average total loans | $4,972,652,250 | 195 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 1,002 |
| Cost of funding earning assets | 0.2230% | 2,608 |
| Net interest margin | 3.7398% | 854 |
| Noninterest income to average assets | 0.2516% | 3,661 |
| Noninterest expense to average assets | 1.9986% | 3,434 |
| Loan and lease loss provision to assets | 0.0985% | 1,016 |
| Net operating income to assets | 1.2884% | 1,170 |
| Return on assets (ROA) | 1.2884% | 1,155 |
| Pretax return on assets | 1.7182% | 718 |
| Return on Equity (ROE) | 12.0550% | 1,655 |
| Retained earnings to average equity (ytd only) | 5.3650% | 2,568 |
| Net charge-offs to loans | 0.1330% | 481 |
| Credit loss provision to net charge-offs | 4.2339% | 1,649 |
| Earnings coverage of net charge-offs (x) | 15.4785% | 1,636 |
| Efficiency ratio | 52.2475% | 4,108 |
| Assets per employee ($millions) | 10.1803% | 625 |
| Cash dividends to net income (ytd only)* | 55.4954% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,142 |
| Loan loss allowance to noncurrent loans | 356.7508% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 1,681 |
| Noncurrent loans to loans | 0.3674% | 2,046 |
| Net loans and leases to total assets | 88.5615% | 35 |
| Net loans and leases to deposits | 110.4744% | 91 |
| Net loans and leases to core deposits | 119.0872% | 206 |
| Total domestic deposits to total assets | 80.1647% | 4,210 |
| Equity capital to assets | 10.7477% | 1,339 |
| Core capital (leverage) ratio | 10.5837% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3472% | 2,361 |
| Memoranda: | ||
| Average total assets | $5,594,339,667 | 249 |
| Average earning assets | $5,330,760,000 | 245 |
| Average equity | $597,908,667 | 238 |
| Average total loans | $4,936,643,333 | 192 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 988 |
| Cost of funding earning assets | 0.1874% | 2,982 |
| Net interest margin | 3.6717% | 785 |
| Noninterest income to average assets | 0.2032% | 3,946 |
| Noninterest expense to average assets | 1.9623% | 3,526 |
| Loan and lease loss provision to assets | 0.0441% | 1,565 |
| Net operating income to assets | 1.2757% | 1,058 |
| Return on assets (ROA) | 1.2757% | 1,051 |
| Pretax return on assets | 1.7047% | 677 |
| Return on Equity (ROE) | 11.9692% | 1,321 |
| Retained earnings to average equity (ytd only) | 5.2881% | 2,482 |
| Net charge-offs to loans | 0.1649% | 360 |
| Credit loss provision to net charge-offs | -22.9023% | 2,780 |
| Earnings coverage of net charge-offs (x) | 12.1219% | 1,423 |
| Efficiency ratio | 52.7256% | 4,141 |
| Assets per employee ($millions) | 10.9515% | 519 |
| Cash dividends to net income (ytd only)* | 55.8191% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 2,218 |
| Loan loss allowance to noncurrent loans | 314.6895% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 1,629 |
| Noncurrent loans to loans | 0.4224% | 1,973 |
| Net loans and leases to total assets | 86.5859% | 44 |
| Net loans and leases to deposits | 107.3684% | 86 |
| Net loans and leases to core deposits | 115.7489% | 179 |
| Total domestic deposits to total assets | 80.6437% | 4,230 |
| Equity capital to assets | 10.5420% | 1,579 |
| Core capital (leverage) ratio | 10.5103% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2156% | 2,520 |
| Memoranda: | ||
| Average total assets | $5,617,365,500 | 253 |
| Average earning assets | $5,366,957,500 | 246 |
| Average equity | $598,705,500 | 243 |
| Average total loans | $4,915,509,500 | 194 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 1,265 |
| Cost of funding earning assets | 0.3041% | 2,375 |
| Net interest margin | 3.7358% | 1,128 |
| Noninterest income to average assets | 0.2939% | 3,638 |
| Noninterest expense to average assets | 1.9064% | 3,908 |
| Loan and lease loss provision to assets | -0.0813% | 4,479 |
| Net operating income to assets | 1.4991% | 1,016 |
| Return on assets (ROA) | 1.5026% | 1,056 |
| Pretax return on assets | 2.0167% | 584 |
| Return on Equity (ROE) | 13.7495% | 1,256 |
| Retained earnings to average equity (ytd only) | 2.1064% | 3,959 |
| Net charge-offs to loans | 0.0842% | 960 |
| Credit loss provision to net charge-offs | -136.6166% | 3,427 |
| Earnings coverage of net charge-offs (x) | 26.1588% | 1,706 |
| Efficiency ratio | 49.4958% | 4,325 |
| Assets per employee ($millions) | 11.2124% | 480 |
| Cash dividends to net income (ytd only)* | 84.6802% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 1,903 |
| Loan loss allowance to noncurrent loans | 249.3766% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 1,357 |
| Noncurrent loans to loans | 0.5630% | 1,725 |
| Net loans and leases to total assets | 86.0307% | 63 |
| Net loans and leases to deposits | 107.1745% | 101 |
| Net loans and leases to core deposits | 117.9052% | 181 |
| Total domestic deposits to total assets | 80.2716% | 4,194 |
| Equity capital to assets | 10.7756% | 1,953 |
| Core capital (leverage) ratio | 10.5145% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1969% | 2,563 |
| Memoranda: | ||
| Average total assets | $5,501,355,400 | 253 |
| Average earning assets | $5,218,120,400 | 243 |
| Average equity | $601,214,600 | 241 |
| Average total loans | $4,823,460,200 | 195 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 1,393 |
| Cost of funding earning assets | 0.3420% | 2,189 |
| Net interest margin | 3.7214% | 1,291 |
| Noninterest income to average assets | 0.1968% | 4,215 |
| Noninterest expense to average assets | 1.8830% | 3,985 |
| Loan and lease loss provision to assets | -0.1409% | 4,677 |
| Net operating income to assets | 1.4856% | 1,306 |
| Return on assets (ROA) | 1.4856% | 1,355 |
| Pretax return on assets | 1.9793% | 830 |
| Return on Equity (ROE) | 13.5456% | 1,538 |
| Retained earnings to average equity (ytd only) | 4.6731% | 3,345 |
| Net charge-offs to loans | 0.0963% | 756 |
| Credit loss provision to net charge-offs | -138.9241% | 3,289 |
| Earnings coverage of net charge-offs (x) | 21.7408% | 1,703 |
| Efficiency ratio | 50.4020% | 4,188 |
| Assets per employee ($millions) | 10.7246% | 522 |
| Cash dividends to net income (ytd only)* | 65.5008% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 1,741 |
| Loan loss allowance to noncurrent loans | 235.8083% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 1,386 |
| Noncurrent loans to loans | 0.6239% | 1,748 |
| Net loans and leases to total assets | 87.7676% | 40 |
| Net loans and leases to deposits | 108.0956% | 112 |
| Net loans and leases to core deposits | 117.8488% | 206 |
| Total domestic deposits to total assets | 81.1944% | 4,062 |
| Equity capital to assets | 11.4991% | 1,679 |
| Core capital (leverage) ratio | 10.8854% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7643% | 2,446 |
| Memoranda: | ||
| Average total assets | $5,480,752,000 | 251 |
| Average earning assets | $5,190,828,500 | 244 |
| Average equity | $601,097,250 | 242 |
| Average total loans | $4,811,283,500 | 196 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 1,427 |
| Cost of funding earning assets | 0.3596% | 2,236 |
| Net interest margin | 3.7016% | 1,345 |
| Noninterest income to average assets | 0.1915% | 4,243 |
| Noninterest expense to average assets | 1.8666% | 4,044 |
| Loan and lease loss provision to assets | -0.0822% | 4,589 |
| Net operating income to assets | 1.4335% | 1,472 |
| Return on assets (ROA) | 1.4335% | 1,536 |
| Pretax return on assets | 1.9100% | 999 |
| Return on Equity (ROE) | 13.2772% | 1,631 |
| Retained earnings to average equity (ytd only) | 3.2365% | 3,766 |
| Net charge-offs to loans | 0.0942% | 770 |
| Credit loss provision to net charge-offs | -95.3448% | 3,053 |
| Earnings coverage of net charge-offs (x) | 22.2139% | 1,493 |
| Efficiency ratio | 50.3135% | 4,212 |
| Assets per employee ($millions) | 10.7079% | 496 |
| Cash dividends to net income (ytd only)* | 75.6239% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 1,423 |
| Loan loss allowance to noncurrent loans | 235.4208% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 1,441 |
| Noncurrent loans to loans | 0.6584% | 1,772 |
| Net loans and leases to total assets | 86.7579% | 64 |
| Net loans and leases to deposits | 108.7888% | 125 |
| Net loans and leases to core deposits | 117.0864% | 253 |
| Total domestic deposits to total assets | 79.7489% | 4,262 |
| Equity capital to assets | 11.1721% | 1,855 |
| Core capital (leverage) ratio | 10.3723% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5461% | 2,529 |
| Memoranda: | ||
| Average total assets | $5,534,531,000 | 249 |
| Average earning assets | $5,237,403,000 | 243 |
| Average equity | $597,568,000 | 242 |
| Average total loans | $4,835,567,000 | 197 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 1,532 |
| Cost of funding earning assets | 0.4100% | 2,008 |
| Net interest margin | 3.6294% | 1,505 |
| Noninterest income to average assets | 0.1689% | 4,352 |
| Noninterest expense to average assets | 1.8577% | 4,091 |
| Loan and lease loss provision to assets | -0.1279% | 4,752 |
| Net operating income to assets | 1.4035% | 1,563 |
| Return on assets (ROA) | 1.4035% | 1,638 |
| Pretax return on assets | 1.8731% | 1,155 |
| Return on Equity (ROE) | 13.2195% | 1,612 |
| Retained earnings to average equity (ytd only) | 3.1437% | 3,737 |
| Net charge-offs to loans | 0.1282% | 570 |
| Credit loss provision to net charge-offs | -122.1228% | 2,863 |
| Earnings coverage of net charge-offs (x) | 15.6464% | 1,340 |
| Efficiency ratio | 51.3450% | 4,056 |
| Assets per employee ($millions) | 10.8838% | 462 |
| Cash dividends to net income (ytd only)* | 76.2195% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,452 |
| Loan loss allowance to noncurrent loans | 283.7679% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 1,955 |
| Noncurrent loans to loans | 0.5432% | 2,232 |
| Net loans and leases to total assets | 86.9788% | 65 |
| Net loans and leases to deposits | 109.0732% | 142 |
| Net loans and leases to core deposits | 119.2654% | 250 |
| Total domestic deposits to total assets | 79.7435% | 4,234 |
| Equity capital to assets | 10.8483% | 1,969 |
| Core capital (leverage) ratio | 10.1500% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4706% | 2,502 |
| Memoranda: | ||
| Average total assets | $5,608,771,000 | 247 |
| Average earning assets | $5,306,830,500 | 237 |
| Average equity | $595,483,500 | 237 |
| Average total loans | $4,880,154,000 | 195 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 1,788 |
| Cost of funding earning assets | 0.8418% | 1,047 |
| Net interest margin | 3.4818% | 2,526 |
| Noninterest income to average assets | 0.2254% | 4,150 |
| Noninterest expense to average assets | 1.8644% | 4,374 |
| Loan and lease loss provision to assets | 0.7265% | 204 |
| Net operating income to assets | 0.6996% | 3,436 |
| Return on assets (ROA) | 0.7445% | 3,405 |
| Pretax return on assets | 0.9637% | 3,163 |
| Return on Equity (ROE) | 7.2728% | 3,087 |
| Retained earnings to average equity (ytd only) | 1.5623% | 4,009 |
| Net charge-offs to loans | 0.2141% | 815 |
| Credit loss provision to net charge-offs | 395.3249% | 1,444 |
| Earnings coverage of net charge-offs (x) | 8.8878% | 2,562 |
| Efficiency ratio | 53.0566% | 4,304 |
| Assets per employee ($millions) | 11.6727% | 343 |
| Cash dividends to net income (ytd only)* | 78.5191% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 1,339 |
| Loan loss allowance to noncurrent loans | 178.8437% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 1,351 |
| Noncurrent loans to loans | 0.8859% | 1,594 |
| Net loans and leases to total assets | 84.3820% | 156 |
| Net loans and leases to deposits | 111.2664% | 152 |
| Net loans and leases to core deposits | 124.4119% | 262 |
| Total domestic deposits to total assets | 75.8378% | 4,518 |
| Equity capital to assets | 10.3965% | 2,762 |
| Core capital (leverage) ratio | 9.8209% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9735% | 2,635 |
| Memoranda: | ||
| Average total assets | $5,644,793,400 | 229 |
| Average earning assets | $5,305,270,600 | 224 |
| Average equity | $577,877,200 | 237 |
| Average total loans | $4,846,065,800 | 190 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 1,858 |
| Cost of funding earning assets | 0.9375% | 941 |
| Net interest margin | 3.4581% | 2,730 |
| Noninterest income to average assets | 0.2602% | 3,917 |
| Noninterest expense to average assets | 1.9207% | 4,292 |
| Loan and lease loss provision to assets | 0.9852% | 147 |
| Net operating income to assets | 0.4646% | 4,128 |
| Return on assets (ROA) | 0.5247% | 4,065 |
| Pretax return on assets | 0.6771% | 3,950 |
| Return on Equity (ROE) | 5.1461% | 3,850 |
| Retained earnings to average equity (ytd only) | -0.2050% | 4,509 |
| Net charge-offs to loans | 0.2313% | 662 |
| Credit loss provision to net charge-offs | 496.0702% | 1,293 |
| Earnings coverage of net charge-offs (x) | 7.9867% | 2,534 |
| Efficiency ratio | 54.5188% | 4,098 |
| Assets per employee ($millions) | 11.8298% | 333 |
| Cash dividends to net income (ytd only)* | 103.9830% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 1,067 |
| Loan loss allowance to noncurrent loans | 328.1279% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 2,491 |
| Noncurrent loans to loans | 0.4916% | 2,590 |
| Net loans and leases to total assets | 83.8858% | 288 |
| Net loans and leases to deposits | 111.1178% | 211 |
| Net loans and leases to core deposits | 126.9562% | 288 |
| Total domestic deposits to total assets | 75.4927% | 4,468 |
| Equity capital to assets | 10.0511% | 3,184 |
| Core capital (leverage) ratio | 9.3918% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5669% | 2,771 |
| Memoranda: | ||
| Average total assets | $5,620,248,750 | 228 |
| Average earning assets | $5,276,798,500 | 224 |
| Average equity | $573,079,250 | 239 |
| Average total loans | $4,826,570,000 | 187 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 1,853 |
| Cost of funding earning assets | 1.0585% | 822 |
| Net interest margin | 3.4647% | 2,904 |
| Noninterest income to average assets | 0.3089% | 3,611 |
| Noninterest expense to average assets | 1.9852% | 4,257 |
| Loan and lease loss provision to assets | 1.5738% | 74 |
| Net operating income to assets | 0.0010% | 4,775 |
| Return on assets (ROA) | 0.0990% | 4,721 |
| Pretax return on assets | 0.1078% | 4,716 |
| Return on Equity (ROE) | 0.9663% | 4,691 |
| Retained earnings to average equity (ytd only) | -3.6118% | 4,702 |
| Net charge-offs to loans | 0.1455% | 991 |
| Credit loss provision to net charge-offs | 1,256.6859% | 680 |
| Earnings coverage of net charge-offs (x) | 12.5772% | 2,045 |
| Efficiency ratio | 55.5023% | 4,004 |
| Assets per employee ($millions) | 11.8844% | 324 |
| Cash dividends to net income (ytd only)* | 473.7609% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 758 |
| Loan loss allowance to noncurrent loans | 294.8785% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,346 |
| Noncurrent loans to loans | 0.5885% | 2,392 |
| Net loans and leases to total assets | 83.0581% | 323 |
| Net loans and leases to deposits | 118.8640% | 103 |
| Net loans and leases to core deposits | 141.1789% | 157 |
| Total domestic deposits to total assets | 69.8766% | 4,791 |
| Equity capital to assets | 9.7170% | 3,451 |
| Core capital (leverage) ratio | 9.3439% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0237% | 2,959 |
| Memoranda: | ||
| Average total assets | $5,541,743,667 | 229 |
| Average earning assets | $5,200,546,000 | 221 |
| Average equity | $567,917,000 | 241 |
| Average total loans | $4,771,195,333 | 184 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 1,429 |
| Cost of funding earning assets | 1.2387% | 679 |
| Net interest margin | 3.5575% | 2,797 |
| Noninterest income to average assets | 0.3794% | 3,235 |
| Noninterest expense to average assets | 2.2581% | 3,867 |
| Loan and lease loss provision to assets | 2.5712% | 42 |
| Net operating income to assets | -0.7921% | 4,970 |
| Return on assets (ROA) | -0.6525% | 4,929 |
| Pretax return on assets | -0.9258% | 4,945 |
| Return on Equity (ROE) | -6.1877% | 4,950 |
| Retained earnings to average equity (ytd only) | -6.1877% | 4,599 |
| Net charge-offs to loans | 0.1929% | 707 |
| Credit loss provision to net charge-offs | 1,532.8412% | 420 |
| Earnings coverage of net charge-offs (x) | 8.7557% | 1,851 |
| Efficiency ratio | 60.3109% | 3,702 |
| Assets per employee ($millions) | 11.6662% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 938 |
| Loan loss allowance to noncurrent loans | 298.3542% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 2,598 |
| Noncurrent loans to loans | 0.5557% | 2,611 |
| Net loans and leases to total assets | 82.7361% | 378 |
| Net loans and leases to deposits | 118.7776% | 89 |
| Net loans and leases to core deposits | 143.7375% | 145 |
| Total domestic deposits to total assets | 69.6563% | 4,864 |
| Equity capital to assets | 10.1816% | 3,621 |
| Core capital (leverage) ratio | 9.9792% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2711% | 3,018 |
| Memoranda: | ||
| Average total assets | $5,329,627,000 | 229 |
| Average earning assets | $5,014,925,500 | 223 |
| Average equity | $562,017,500 | 245 |
| Average total loans | $4,635,419,500 | 186 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0905% | 1,233 |
| Cost of funding earning assets | 1.4108% | 541 |
| Net interest margin | 3.6797% | 2,874 |
| Noninterest income to average assets | 0.3036% | 3,872 |
| Noninterest expense to average assets | 1.8539% | 4,710 |
| Loan and lease loss provision to assets | 0.1648% | 1,266 |
| Net operating income to assets | 1.3449% | 1,525 |
| Return on assets (ROA) | 1.3440% | 1,606 |
| Pretax return on assets | 1.7736% | 1,013 |
| Return on Equity (ROE) | 12.1467% | 1,457 |
| Retained earnings to average equity (ytd only) | 6.7211% | 1,517 |
| Net charge-offs to loans | 0.1167% | 1,577 |
| Credit loss provision to net charge-offs | 157.7175% | 1,633 |
| Earnings coverage of net charge-offs (x) | 18.5607% | 2,051 |
| Efficiency ratio | 48.6541% | 4,799 |
| Assets per employee ($millions) | 11.4691% | 260 |
| Cash dividends to net income (ytd only)* | 44.6676% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 3,903 |
| Loan loss allowance to noncurrent loans | 269.5140% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 3,207 |
| Noncurrent loans to loans | 0.3388% | 3,229 |
| Net loans and leases to total assets | 89.4105% | 54 |
| Net loans and leases to deposits | 124.7168% | 59 |
| Net loans and leases to core deposits | 152.3429% | 106 |
| Total domestic deposits to total assets | 71.6908% | 4,876 |
| Equity capital to assets | 10.9620% | 3,042 |
| Core capital (leverage) ratio | 10.4194% | 3,049 |
| Tier 1 risk-based capital ratio | 11.4381% | 4,655 |
| Total risk-based capital ratio | 12.3776% | 4,698 |
| Memoranda: | ||
| Average total assets | $4,830,587,200 | 235 |
| Average earning assets | $4,580,804,600 | 227 |
| Average equity | $534,497,000 | 239 |
| Average total loans | $4,326,352,800 | 193 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 1,226 |
| Cost of funding earning assets | 1.4271% | 520 |
| Net interest margin | 3.6991% | 2,927 |
| Noninterest income to average assets | 0.2930% | 3,985 |
| Noninterest expense to average assets | 1.8755% | 4,725 |
| Loan and lease loss provision to assets | 0.1337% | 1,438 |
| Net operating income to assets | 1.3519% | 1,637 |
| Return on assets (ROA) | 1.3507% | 1,707 |
| Pretax return on assets | 1.7890% | 1,120 |
| Return on Equity (ROE) | 12.1778% | 1,553 |
| Retained earnings to average equity (ytd only) | 8.5440% | 1,188 |
| Net charge-offs to loans | 0.1165% | 1,321 |
| Credit loss provision to net charge-offs | 128.4379% | 1,844 |
| Earnings coverage of net charge-offs (x) | 18.4820% | 2,050 |
| Efficiency ratio | 49.1378% | 4,790 |
| Assets per employee ($millions) | 11.5523% | 240 |
| Cash dividends to net income (ytd only)* | 29.8397% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 4,094 |
| Loan loss allowance to noncurrent loans | 230.2321% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 3,160 |
| Noncurrent loans to loans | 0.3859% | 3,167 |
| Net loans and leases to total assets | 87.5357% | 114 |
| Net loans and leases to deposits | 122.9665% | 76 |
| Net loans and leases to core deposits | 150.9858% | 123 |
| Total domestic deposits to total assets | 71.1867% | 4,952 |
| Equity capital to assets | 10.8969% | 3,199 |
| Core capital (leverage) ratio | 10.5257% | 3,090 |
| Tier 1 risk-based capital ratio | 11.4186% | 4,712 |
| Total risk-based capital ratio | 12.3190% | 4,771 |
| Memoranda: | ||
| Average total assets | $4,796,699,000 | 236 |
| Average earning assets | $4,546,922,500 | 229 |
| Average equity | $532,024,500 | 240 |
| Average total loans | $4,287,647,500 | 195 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 1,109 |
| Cost of funding earning assets | 1.4100% | 521 |
| Net interest margin | 3.7391% | 2,795 |
| Noninterest income to average assets | 0.2672% | 4,151 |
| Noninterest expense to average assets | 1.8722% | 4,791 |
| Loan and lease loss provision to assets | 0.1790% | 1,005 |
| Net operating income to assets | 1.3424% | 1,611 |
| Return on assets (ROA) | 1.3406% | 1,679 |
| Pretax return on assets | 1.7668% | 1,129 |
| Return on Equity (ROE) | 12.0130% | 1,572 |
| Retained earnings to average equity (ytd only) | 12.0130% | 403 |
| Net charge-offs to loans | 0.1716% | 948 |
| Credit loss provision to net charge-offs | 116.2325% | 1,793 |
| Earnings coverage of net charge-offs (x) | 12.6460% | 2,144 |
| Efficiency ratio | 48.7789% | 4,854 |
| Assets per employee ($millions) | 11.1360% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 4,127 |
| Loan loss allowance to noncurrent loans | 283.8726% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 3,355 |
| Noncurrent loans to loans | 0.3143% | 3,412 |
| Net loans and leases to total assets | 88.9189% | 80 |
| Net loans and leases to deposits | 121.6393% | 72 |
| Net loans and leases to core deposits | 149.7140% | 136 |
| Total domestic deposits to total assets | 73.1005% | 4,899 |
| Equity capital to assets | 11.1888% | 2,870 |
| Core capital (leverage) ratio | 10.7279% | 2,867 |
| Tier 1 risk-based capital ratio | 11.7003% | 4,573 |
| Total risk-based capital ratio | 12.6171% | 4,649 |
| Memoranda: | ||
| Average total assets | $4,735,921,670 | 242 |
| Average earning assets | $4,499,817,000 | 232 |
| Average equity | $528,512,000 | 241 |
| Average total loans | $4,251,027,670 | 197 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 1,105 |
| Cost of funding earning assets | 1.3577% | 530 |
| Net interest margin | 3.7368% | 2,756 |
| Noninterest income to average assets | 0.2863% | 3,964 |
| Noninterest expense to average assets | 1.8437% | 4,870 |
| Loan and lease loss provision to assets | 0.0992% | 1,769 |
| Net operating income to assets | 1.4607% | 1,201 |
| Return on assets (ROA) | 1.4570% | 1,243 |
| Pretax return on assets | 1.8972% | 802 |
| Return on Equity (ROE) | 13.0735% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.0735% | 449 |
| Net charge-offs to loans | 0.0973% | 1,165 |
| Credit loss provision to net charge-offs | 113.5610% | 1,467 |
| Earnings coverage of net charge-offs (x) | 22.8927% | 1,481 |
| Efficiency ratio | 47.7138% | 4,957 |
| Assets per employee ($millions) | 11.2629% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 4,170 |
| Loan loss allowance to noncurrent loans | 182.0346% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 2,676 |
| Noncurrent loans to loans | 0.4929% | 2,838 |
| Net loans and leases to total assets | 88.8669% | 71 |
| Net loans and leases to deposits | 117.6915% | 109 |
| Net loans and leases to core deposits | 143.0336% | 164 |
| Total domestic deposits to total assets | 75.5083% | 4,816 |
| Equity capital to assets | 11.0253% | 2,829 |
| Core capital (leverage) ratio | 10.6417% | 2,903 |
| Tier 1 risk-based capital ratio | 11.6964% | 4,628 |
| Total risk-based capital ratio | 12.6284% | 4,704 |
| Memoranda: | ||
| Average total assets | $4,692,933,500 | 243 |
| Average earning assets | $4,467,658,500 | 233 |
| Average equity | $523,011,000 | 244 |
| Average total loans | $4,213,451,000 | 198 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 1,565 |
| Cost of funding earning assets | 1.0155% | 713 |
| Net interest margin | 3.7758% | 2,757 |
| Noninterest income to average assets | 0.2265% | 4,563 |
| Noninterest expense to average assets | 1.9268% | 4,856 |
| Loan and lease loss provision to assets | 0.0600% | 2,962 |
| Net operating income to assets | 1.4082% | 1,403 |
| Return on assets (ROA) | 1.3338% | 1,662 |
| Pretax return on assets | 1.7793% | 974 |
| Return on Equity (ROE) | 12.3247% | 1,607 |
| Retained earnings to average equity (ytd only) | 10.1049% | 602 |
| Net charge-offs to loans | 0.1125% | 1,622 |
| Credit loss provision to net charge-offs | 59.7606% | 3,104 |
| Earnings coverage of net charge-offs (x) | 19.0646% | 2,091 |
| Efficiency ratio | 49.9451% | 4,946 |
| Assets per employee ($millions) | 11.0840% | 255 |
| Cash dividends to net income (ytd only)* | 18.0109% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 4,114 |
| Loan loss allowance to noncurrent loans | 221.9044% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 2,904 |
| Noncurrent loans to loans | 0.4103% | 3,063 |
| Net loans and leases to total assets | 89.0783% | 78 |
| Net loans and leases to deposits | 120.7790% | 92 |
| Net loans and leases to core deposits | 146.5265% | 153 |
| Total domestic deposits to total assets | 73.7531% | 4,963 |
| Equity capital to assets | 11.2665% | 2,456 |
| Core capital (leverage) ratio | 11.0187% | 2,507 |
| Tier 1 risk-based capital ratio | 12.3180% | 4,228 |
| Total risk-based capital ratio | 13.2731% | 4,306 |
| Memoranda: | ||
| Average total assets | $4,579,002,000 | 241 |
| Average earning assets | $4,382,008,000 | 231 |
| Average equity | $495,543,200 | 246 |
| Average total loans | $4,084,226,200 | 201 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 1,676 |
| Cost of funding earning assets | 0.9426% | 770 |
| Net interest margin | 3.7590% | 2,794 |
| Noninterest income to average assets | 0.2125% | 4,695 |
| Noninterest expense to average assets | 1.9153% | 4,880 |
| Loan and lease loss provision to assets | 0.0967% | 2,045 |
| Net operating income to assets | 1.3665% | 1,602 |
| Return on assets (ROA) | 1.2928% | 1,887 |
| Pretax return on assets | 1.7255% | 1,218 |
| Return on Equity (ROE) | 12.0724% | 1,767 |
| Retained earnings to average equity (ytd only) | 12.0724% | 472 |
| Net charge-offs to loans | 0.1400% | 1,164 |
| Credit loss provision to net charge-offs | 77.5850% | 2,555 |
| Earnings coverage of net charge-offs (x) | 15.2148% | 2,241 |
| Efficiency ratio | 50.0307% | 4,942 |
| Assets per employee ($millions) | 11.1600% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 4,064 |
| Loan loss allowance to noncurrent loans | 212.4857% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 2,874 |
| Noncurrent loans to loans | 0.4449% | 3,061 |
| Net loans and leases to total assets | 88.6514% | 120 |
| Net loans and leases to deposits | 123.4701% | 78 |
| Net loans and leases to core deposits | 147.4547% | 147 |
| Total domestic deposits to total assets | 71.7999% | 5,144 |
| Equity capital to assets | 11.2048% | 2,468 |
| Core capital (leverage) ratio | 10.9072% | 2,671 |
| Tier 1 risk-based capital ratio | 12.6590% | 4,108 |
| Total risk-based capital ratio | 13.6737% | 4,126 |
| Memoranda: | ||
| Average total assets | $4,562,704,250 | 240 |
| Average earning assets | $4,368,547,250 | 231 |
| Average equity | $488,619,000 | 246 |
| Average total loans | $4,061,538,750 | 201 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 1,792 |
| Cost of funding earning assets | 0.8348% | 988 |
| Net interest margin | 3.7619% | 2,705 |
| Noninterest income to average assets | 0.1719% | 4,965 |
| Noninterest expense to average assets | 1.9514% | 4,879 |
| Loan and lease loss provision to assets | 0.0558% | 2,794 |
| Net operating income to assets | 1.3281% | 1,667 |
| Return on assets (ROA) | 1.2513% | 1,974 |
| Pretax return on assets | 1.6913% | 1,236 |
| Return on Equity (ROE) | 11.8700% | 1,769 |
| Retained earnings to average equity (ytd only) | 11.8700% | 537 |
| Net charge-offs to loans | 0.1634% | 948 |
| Credit loss provision to net charge-offs | 38.4196% | 2,573 |
| Earnings coverage of net charge-offs (x) | 12.5692% | 2,196 |
| Efficiency ratio | 51.4898% | 4,936 |
| Assets per employee ($millions) | 11.1544% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 4,229 |
| Loan loss allowance to noncurrent loans | 271.8680% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 3,277 |
| Noncurrent loans to loans | 0.3397% | 3,482 |
| Net loans and leases to total assets | 88.3051% | 125 |
| Net loans and leases to deposits | 126.4298% | 64 |
| Net loans and leases to core deposits | 149.2651% | 126 |
| Total domestic deposits to total assets | 69.8452% | 5,283 |
| Equity capital to assets | 10.8840% | 2,748 |
| Core capital (leverage) ratio | 10.6125% | 2,911 |
| Tier 1 risk-based capital ratio | 12.2960% | 4,312 |
| Total risk-based capital ratio | 13.2859% | 4,348 |
| Memoranda: | ||
| Average total assets | $4,550,971,330 | 238 |
| Average earning assets | $4,359,925,330 | 227 |
| Average equity | $479,762,670 | 245 |
| Average total loans | $4,043,715,670 | 200 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 2,249 |
| Cost of funding earning assets | 0.7229% | 1,328 |
| Net interest margin | 3.6616% | 2,951 |
| Noninterest income to average assets | 0.1653% | 5,030 |
| Noninterest expense to average assets | 2.0416% | 4,772 |
| Loan and lease loss provision to assets | 0.0456% | 2,853 |
| Net operating income to assets | 1.2103% | 1,963 |
| Return on assets (ROA) | 1.1354% | 2,280 |
| Pretax return on assets | 1.5145% | 1,650 |
| Return on Equity (ROE) | 10.9500% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.9500% | 909 |
| Net charge-offs to loans | 0.0391% | 1,747 |
| Credit loss provision to net charge-offs | 131.2977% | 1,327 |
| Earnings coverage of net charge-offs (x) | 47.1399% | 977 |
| Efficiency ratio | 55.4107% | 4,657 |
| Assets per employee ($millions) | 10.9878% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 4,046 |
| Loan loss allowance to noncurrent loans | 289.5148% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 3,378 |
| Noncurrent loans to loans | 0.3400% | 3,542 |
| Net loans and leases to total assets | 87.9794% | 137 |
| Net loans and leases to deposits | 125.1551% | 66 |
| Net loans and leases to core deposits | 143.1705% | 181 |
| Total domestic deposits to total assets | 70.2963% | 5,354 |
| Equity capital to assets | 10.6141% | 2,957 |
| Core capital (leverage) ratio | 10.9334% | 2,507 |
| Tier 1 risk-based capital ratio | 12.0001% | 4,544 |
| Total risk-based capital ratio | 13.0580% | 4,554 |
| Memoranda: | ||
| Average total assets | $4,528,643,500 | 240 |
| Average earning assets | $4,344,437,500 | 228 |
| Average equity | $469,551,000 | 250 |
| Average total loans | $4,017,574,500 | 200 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 1,944 |
| Cost of funding earning assets | 0.6067% | 1,552 |
| Net interest margin | 3.8214% | 2,348 |
| Noninterest income to average assets | 0.1998% | 4,950 |
| Noninterest expense to average assets | 1.8184% | 5,227 |
| Loan and lease loss provision to assets | 0.3266% | 513 |
| Net operating income to assets | 0.9924% | 2,281 |
| Return on assets (ROA) | 0.9154% | 2,649 |
| Pretax return on assets | 1.6384% | 1,197 |
| Return on Equity (ROE) | 9.1737% | 2,231 |
| Retained earnings to average equity (ytd only) | 7.3087% | 978 |
| Net charge-offs to loans | 0.2605% | 1,001 |
| Credit loss provision to net charge-offs | 141.2320% | 1,874 |
| Earnings coverage of net charge-offs (x) | 8.8309% | 2,860 |
| Efficiency ratio | 47.1047% | 5,354 |
| Assets per employee ($millions) | 10.7256% | 255 |
| Cash dividends to net income (ytd only)* | 20.3302% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,475 |
| Loan loss allowance to noncurrent loans | 259.3130% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 3,119 |
| Noncurrent loans to loans | 0.4146% | 3,289 |
| Net loans and leases to total assets | 88.1249% | 134 |
| Net loans and leases to deposits | 126.5814% | 60 |
| Net loans and leases to core deposits | 144.7378% | 163 |
| Total domestic deposits to total assets | 69.6191% | 5,420 |
| Equity capital to assets | 10.0543% | 3,639 |
| Core capital (leverage) ratio | 10.3462% | 3,020 |
| Tier 1 risk-based capital ratio | 11.8080% | 4,655 |
| Total risk-based capital ratio | 12.9510% | 4,605 |
| Memoranda: | ||
| Average total assets | $4,029,826,400 | 251 |
| Average earning assets | $3,860,106,000 | 240 |
| Average equity | $402,138,800 | 269 |
| Average total loans | $3,577,166,800 | 209 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 1,921 |
| Cost of funding earning assets | 0.5857% | 1,637 |
| Net interest margin | 3.8299% | 2,288 |
| Noninterest income to average assets | 0.1887% | 5,069 |
| Noninterest expense to average assets | 1.8464% | 5,209 |
| Loan and lease loss provision to assets | 0.3442% | 437 |
| Net operating income to assets | 1.0798% | 2,179 |
| Return on assets (ROA) | 1.0090% | 2,558 |
| Pretax return on assets | 1.5931% | 1,448 |
| Return on Equity (ROE) | 10.1310% | 2,071 |
| Retained earnings to average equity (ytd only) | 7.6189% | 1,381 |
| Net charge-offs to loans | 0.1225% | 1,568 |
| Credit loss provision to net charge-offs | 316.7946% | 944 |
| Earnings coverage of net charge-offs (x) | 18.4826% | 2,045 |
| Efficiency ratio | 47.9017% | 5,346 |
| Assets per employee ($millions) | 10.6166% | 262 |
| Cash dividends to net income (ytd only)* | 24.7958% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 3,003 |
| Loan loss allowance to noncurrent loans | 189.7124% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 2,625 |
| Noncurrent loans to loans | 0.6258% | 2,832 |
| Net loans and leases to total assets | 87.9443% | 158 |
| Net loans and leases to deposits | 124.7418% | 64 |
| Net loans and leases to core deposits | 141.5201% | 188 |
| Total domestic deposits to total assets | 70.5010% | 5,461 |
| Equity capital to assets | 10.1320% | 3,764 |
| Core capital (leverage) ratio | 10.2085% | 3,303 |
| Tier 1 risk-based capital ratio | 11.7979% | 4,771 |
| Total risk-based capital ratio | 13.0479% | 4,637 |
| Memoranda: | ||
| Average total assets | $3,996,895,000 | 253 |
| Average earning assets | $3,825,589,500 | 243 |
| Average equity | $398,069,250 | 268 |
| Average total loans | $3,544,653,000 | 212 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 1,932 |
| Cost of funding earning assets | 0.5747% | 1,613 |
| Net interest margin | 3.7886% | 2,326 |
| Noninterest income to average assets | 0.1518% | 5,301 |
| Noninterest expense to average assets | 1.8481% | 5,260 |
| Loan and lease loss provision to assets | 0.4386% | 282 |
| Net operating income to assets | 0.9538% | 2,638 |
| Return on assets (ROA) | 0.8873% | 3,036 |
| Pretax return on assets | 1.4251% | 1,918 |
| Return on Equity (ROE) | 8.9622% | 2,528 |
| Retained earnings to average equity (ytd only) | 5.1461% | 2,612 |
| Net charge-offs to loans | 0.1305% | 1,375 |
| Credit loss provision to net charge-offs | 379.5554% | 817 |
| Earnings coverage of net charge-offs (x) | 16.7040% | 1,965 |
| Efficiency ratio | 48.9121% | 5,360 |
| Assets per employee ($millions) | 10.4571% | 263 |
| Cash dividends to net income (ytd only)* | 42.5798% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 3,071 |
| Loan loss allowance to noncurrent loans | 174.5536% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 2,532 |
| Noncurrent loans to loans | 0.6825% | 2,708 |
| Net loans and leases to total assets | 87.1831% | 189 |
| Net loans and leases to deposits | 121.8912% | 79 |
| Net loans and leases to core deposits | 137.7778% | 208 |
| Total domestic deposits to total assets | 71.5254% | 5,481 |
| Equity capital to assets | 9.9175% | 4,004 |
| Core capital (leverage) ratio | 10.0804% | 3,429 |
| Tier 1 risk-based capital ratio | 11.5914% | 4,894 |
| Total risk-based capital ratio | 12.8414% | 4,782 |
| Memoranda: | ||
| Average total assets | $3,970,264,670 | 257 |
| Average earning assets | $3,800,498,330 | 244 |
| Average equity | $393,073,000 | 273 |
| Average total loans | $3,516,745,000 | 216 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 1,937 |
| Cost of funding earning assets | 0.5667% | 1,611 |
| Net interest margin | 3.7409% | 2,349 |
| Noninterest income to average assets | 0.1599% | 5,317 |
| Noninterest expense to average assets | 1.8234% | 5,342 |
| Loan and lease loss provision to assets | 0.7626% | 131 |
| Net operating income to assets | 0.7315% | 3,552 |
| Return on assets (ROA) | 0.6738% | 3,859 |
| Pretax return on assets | 1.1010% | 2,979 |
| Return on Equity (ROE) | 6.8116% | 3,492 |
| Retained earnings to average equity (ytd only) | -0.8915% | 5,046 |
| Net charge-offs to loans | 0.1051% | 1,321 |
| Credit loss provision to net charge-offs | 817.6471% | 385 |
| Earnings coverage of net charge-offs (x) | 20.6002% | 1,478 |
| Efficiency ratio | 48.6937% | 5,435 |
| Assets per employee ($millions) | 15.5567% | 76 |
| Cash dividends to net income (ytd only)* | 113.0881% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,042 |
| Loan loss allowance to noncurrent loans | 175.3894% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 2,789 |
| Noncurrent loans to loans | 0.6931% | 2,767 |
| Net loans and leases to total assets | 87.7796% | 116 |
| Net loans and leases to deposits | 123.5215% | 64 |
| Net loans and leases to core deposits | 139.4280% | 177 |
| Total domestic deposits to total assets | 71.0642% | 5,592 |
| Equity capital to assets | 9.8456% | 3,935 |
| Core capital (leverage) ratio | 9.9182% | 3,605 |
| Tier 1 risk-based capital ratio | 11.4671% | 5,051 |
| Total risk-based capital ratio | 12.7174% | 4,949 |
| Memoranda: | ||
| Average total assets | $3,937,180,500 | 257 |
| Average earning assets | $3,772,922,500 | 244 |
| Average equity | $389,452,000 | 272 |
| Average total loans | $3,494,359,500 | 215 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 2,244 |
| Cost of funding earning assets | 0.5424% | 1,771 |
| Net interest margin | 3.7287% | 2,580 |
| Noninterest income to average assets | 0.2471% | 4,944 |
| Noninterest expense to average assets | 1.8142% | 5,462 |
| Loan and lease loss provision to assets | 0.1255% | 1,978 |
| Net operating income to assets | 1.2129% | 1,459 |
| Return on assets (ROA) | 1.1375% | 1,834 |
| Pretax return on assets | 1.7940% | 816 |
| Return on Equity (ROE) | 11.2736% | 1,483 |
| Retained earnings to average equity (ytd only) | 2.7919% | 3,915 |
| Net charge-offs to loans | 0.1495% | 1,768 |
| Credit loss provision to net charge-offs | 94.7316% | 2,710 |
| Earnings coverage of net charge-offs (x) | 15.0604% | 2,238 |
| Efficiency ratio | 47.6291% | 5,586 |
| Assets per employee ($millions) | 15.4447% | 77 |
| Cash dividends to net income (ytd only)* | 75.2350% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 4,103 |
| Loan loss allowance to noncurrent loans | 147.1283% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 2,857 |
| Noncurrent loans to loans | 0.7040% | 2,776 |
| Net loans and leases to total assets | 87.7271% | 139 |
| Net loans and leases to deposits | 122.3127% | 71 |
| Net loans and leases to core deposits | 136.2115% | 214 |
| Total domestic deposits to total assets | 71.7236% | 5,581 |
| Equity capital to assets | 9.9380% | 3,781 |
| Core capital (leverage) ratio | 10.0664% | 3,407 |
| Tier 1 risk-based capital ratio | 11.5265% | 5,041 |
| Total risk-based capital ratio | 12.6146% | 5,036 |
| Memoranda: | ||
| Average total assets | $3,797,571,800 | 249 |
| Average earning assets | $3,627,707,800 | 237 |
| Average equity | $383,177,400 | 261 |
| Average total loans | $3,364,283,600 | 209 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,228 |
| Cost of funding earning assets | 0.5415% | 1,778 |
| Net interest margin | 3.7378% | 2,561 |
| Noninterest income to average assets | 0.2423% | 5,024 |
| Noninterest expense to average assets | 1.8049% | 5,511 |
| Loan and lease loss provision to assets | 0.1071% | 2,141 |
| Net operating income to assets | 1.2255% | 1,538 |
| Return on assets (ROA) | 1.1475% | 1,921 |
| Pretax return on assets | 1.8193% | 867 |
| Return on Equity (ROE) | 11.3285% | 1,546 |
| Retained earnings to average equity (ytd only) | 2.5914% | 4,360 |
| Net charge-offs to loans | 0.0219% | 3,244 |
| Credit loss provision to net charge-offs | 550.8197% | 656 |
| Earnings coverage of net charge-offs (x) | 103.1296% | 642 |
| Efficiency ratio | 47.3815% | 5,613 |
| Assets per employee ($millions) | 15.4756% | 73 |
| Cash dividends to net income (ytd only)* | 77.1248% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,673 |
| Loan loss allowance to noncurrent loans | 174.7245% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 3,183 |
| Noncurrent loans to loans | 0.6469% | 3,081 |
| Net loans and leases to total assets | 87.8430% | 142 |
| Net loans and leases to deposits | 123.1463% | 85 |
| Net loans and leases to core deposits | 139.6381% | 200 |
| Total domestic deposits to total assets | 71.3322% | 5,626 |
| Equity capital to assets | 10.0732% | 4,066 |
| Core capital (leverage) ratio | 10.0383% | 3,521 |
| Tier 1 risk-based capital ratio | 11.6271% | 5,020 |
| Total risk-based capital ratio | 12.8180% | 4,960 |
| Memoranda: | ||
| Average total assets | $3,766,226,000 | 249 |
| Average earning assets | $3,594,024,500 | 237 |
| Average equity | $381,506,000 | 264 |
| Average total loans | $3,335,977,000 | 211 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,281 |
| Cost of funding earning assets | 0.5345% | 1,834 |
| Net interest margin | 3.7289% | 2,584 |
| Noninterest income to average assets | 0.2619% | 4,911 |
| Noninterest expense to average assets | 1.7802% | 5,617 |
| Loan and lease loss provision to assets | 0.1025% | 2,135 |
| Net operating income to assets | 1.2398% | 1,465 |
| Return on assets (ROA) | 1.1568% | 1,860 |
| Pretax return on assets | 1.8536% | 778 |
| Return on Equity (ROE) | 11.3980% | 1,512 |
| Retained earnings to average equity (ytd only) | -1.8027% | 5,515 |
| Net charge-offs to loans | 0.0265% | 2,950 |
| Credit loss provision to net charge-offs | 437.7574% | 728 |
| Earnings coverage of net charge-offs (x) | 87.0709% | 652 |
| Efficiency ratio | 46.6100% | 5,728 |
| Assets per employee ($millions) | 14.5113% | 85 |
| Cash dividends to net income (ytd only)* | 115.8158% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,872 |
| Loan loss allowance to noncurrent loans | 238.7859% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 3,851 |
| Noncurrent loans to loans | 0.4666% | 3,692 |
| Net loans and leases to total assets | 87.4240% | 175 |
| Net loans and leases to deposits | 124.9377% | 67 |
| Net loans and leases to core deposits | 142.2946% | 167 |
| Total domestic deposits to total assets | 69.9741% | 5,783 |
| Equity capital to assets | 9.8620% | 4,376 |
| Core capital (leverage) ratio | 10.0359% | 3,527 |
| Tier 1 risk-based capital ratio | 11.2276% | 5,301 |
| Total risk-based capital ratio | 12.3818% | 5,263 |
| Memoranda: | ||
| Average total assets | $3,732,004,000 | 253 |
| Average earning assets | $3,560,342,670 | 238 |
| Average equity | $378,768,000 | 267 |
| Average total loans | $3,302,169,670 | 212 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 2,213 |
| Cost of funding earning assets | 0.5277% | 1,887 |
| Net interest margin | 3.7487% | 2,483 |
| Noninterest income to average assets | 0.3082% | 4,524 |
| Noninterest expense to average assets | 1.7904% | 5,666 |
| Loan and lease loss provision to assets | 0.1592% | 1,311 |
| Net operating income to assets | 1.2411% | 1,427 |
| Return on assets (ROA) | 1.1507% | 1,823 |
| Pretax return on assets | 1.8439% | 779 |
| Return on Equity (ROE) | 11.1727% | 1,541 |
| Retained earnings to average equity (ytd only) | -4.6781% | 5,593 |
| Net charge-offs to loans | 0.0022% | 3,047 |
| Credit loss provision to net charge-offs | 8,127.7778% | 40 |
| Earnings coverage of net charge-offs (x) | 1,068.6111% | 38 |
| Efficiency ratio | 46.0978% | 5,809 |
| Assets per employee ($millions) | 14.8364% | 90 |
| Cash dividends to net income (ytd only)* | 141.8708% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 3,821 |
| Loan loss allowance to noncurrent loans | 290.0776% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 4,168 |
| Noncurrent loans to loans | 0.3938% | 4,028 |
| Net loans and leases to total assets | 87.7182% | 132 |
| Net loans and leases to deposits | 125.2452% | 59 |
| Net loans and leases to core deposits | 141.6986% | 158 |
| Total domestic deposits to total assets | 70.0371% | 5,862 |
| Equity capital to assets | 10.1340% | 3,913 |
| Core capital (leverage) ratio | 10.3770% | 3,100 |
| Tier 1 risk-based capital ratio | 11.5732% | 5,185 |
| Total risk-based capital ratio | 12.7649% | 5,126 |
| Memoranda: | ||
| Average total assets | $3,675,253,000 | 255 |
| Average earning assets | $3,505,549,500 | 241 |
| Average equity | $378,530,000 | 267 |
| Average total loans | $3,253,366,000 | 211 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,452 |
| Cost of funding earning assets | 0.5069% | 2,100 |
| Net interest margin | 3.7246% | 2,659 |
| Noninterest income to average assets | 0.2154% | 5,305 |
| Noninterest expense to average assets | 1.8323% | 5,698 |
| Loan and lease loss provision to assets | 0.0629% | 3,038 |
| Net operating income to assets | 1.2029% | 1,536 |
| Return on assets (ROA) | 1.1295% | 1,870 |
| Pretax return on assets | 1.7929% | 816 |
| Return on Equity (ROE) | 11.0375% | 1,600 |
| Retained earnings to average equity (ytd only) | 11.0375% | 342 |
| Net charge-offs to loans | 0.0567% | 3,085 |
| Credit loss provision to net charge-offs | 126.8768% | 2,048 |
| Earnings coverage of net charge-offs (x) | 38.9284% | 1,203 |
| Efficiency ratio | 48.7112% | 5,816 |
| Assets per employee ($millions) | 14.7421% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,830 |
| Loan loss allowance to noncurrent loans | 703.2476% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 5,021 |
| Noncurrent loans to loans | 0.1615% | 4,847 |
| Net loans and leases to total assets | 87.3013% | 155 |
| Net loans and leases to deposits | 125.8685% | 65 |
| Net loans and leases to core deposits | 140.3262% | 160 |
| Total domestic deposits to total assets | 69.3591% | 5,923 |
| Equity capital to assets | 10.4693% | 3,395 |
| Core capital (leverage) ratio | 10.7803% | 2,619 |
| Tier 1 risk-based capital ratio | 12.0820% | 4,898 |
| Total risk-based capital ratio | 13.2669% | 4,837 |
| Memoranda: | ||
| Average total assets | $3,521,016,800 | 246 |
| Average earning assets | $3,352,347,200 | 237 |
| Average equity | $360,309,200 | 266 |
| Average total loans | $3,077,746,200 | 207 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,462 |
| Cost of funding earning assets | 0.5054% | 2,165 |
| Net interest margin | 3.7281% | 2,654 |
| Noninterest income to average assets | 0.1979% | 5,459 |
| Noninterest expense to average assets | 1.8319% | 5,735 |
| Loan and lease loss provision to assets | 0.0023% | 4,201 |
| Net operating income to assets | 1.2286% | 1,560 |
| Return on assets (ROA) | 1.1577% | 1,875 |
| Pretax return on assets | 1.8403% | 821 |
| Return on Equity (ROE) | 11.3815% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.3815% | 428 |
| Net charge-offs to loans | 0.0550% | 2,818 |
| Credit loss provision to net charge-offs | 4.7771% | 3,489 |
| Earnings coverage of net charge-offs (x) | 39.9308% | 1,250 |
| Efficiency ratio | 48.9116% | 5,828 |
| Assets per employee ($millions) | 14.7781% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 4,116 |
| Loan loss allowance to noncurrent loans | 589.4190% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 5,087 |
| Noncurrent loans to loans | 0.1900% | 4,887 |
| Net loans and leases to total assets | 87.2296% | 171 |
| Net loans and leases to deposits | 127.7700% | 50 |
| Net loans and leases to core deposits | 139.7866% | 167 |
| Total domestic deposits to total assets | 68.2708% | 6,029 |
| Equity capital to assets | 10.6079% | 3,459 |
| Core capital (leverage) ratio | 10.8287% | 2,674 |
| Tier 1 risk-based capital ratio | 11.9287% | 5,121 |
| Total risk-based capital ratio | 13.0752% | 5,109 |
| Memoranda: | ||
| Average total assets | $3,494,629,500 | 254 |
| Average earning assets | $3,325,307,750 | 244 |
| Average equity | $355,467,750 | 273 |
| Average total loans | $3,046,578,250 | 210 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 2,488 |
| Cost of funding earning assets | 0.5054% | 2,202 |
| Net interest margin | 3.7129% | 2,654 |
| Noninterest income to average assets | 0.1884% | 5,561 |
| Noninterest expense to average assets | 1.8272% | 5,816 |
| Loan and lease loss provision to assets | -0.0060% | 5,950 |
| Net operating income to assets | 1.2022% | 1,597 |
| Return on assets (ROA) | 1.1279% | 1,930 |
| Pretax return on assets | 1.8258% | 851 |
| Return on Equity (ROE) | 11.2501% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.2501% | 474 |
| Net charge-offs to loans | 0.0224% | 3,217 |
| Credit loss provision to net charge-offs | -30.5882% | 4,762 |
| Earnings coverage of net charge-offs (x) | 97.2647% | 610 |
| Efficiency ratio | 49.1027% | 5,897 |
| Assets per employee ($millions) | 13.9195% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,977 |
| Loan loss allowance to noncurrent loans | 648.1678% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 5,245 |
| Noncurrent loans to loans | 0.1804% | 5,055 |
| Net loans and leases to total assets | 86.6038% | 207 |
| Net loans and leases to deposits | 124.4130% | 70 |
| Net loans and leases to core deposits | 133.6844% | 222 |
| Total domestic deposits to total assets | 69.6099% | 6,049 |
| Equity capital to assets | 10.4223% | 3,531 |
| Core capital (leverage) ratio | 10.6186% | 2,827 |
| Tier 1 risk-based capital ratio | 12.0226% | 5,133 |
| Total risk-based capital ratio | 13.2381% | 5,060 |
| Memoranda: | ||
| Average total assets | $3,492,036,000 | 254 |
| Average earning assets | $3,322,644,670 | 246 |
| Average equity | $350,113,000 | 277 |
| Average total loans | $3,032,193,670 | 213 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 2,301 |
| Cost of funding earning assets | 0.5121% | 2,182 |
| Net interest margin | 3.7311% | 2,506 |
| Noninterest income to average assets | 0.1280% | 5,960 |
| Noninterest expense to average assets | 1.8662% | 5,806 |
| Loan and lease loss provision to assets | -0.0458% | 6,149 |
| Net operating income to assets | 1.1794% | 1,606 |
| Return on assets (ROA) | 1.1108% | 1,940 |
| Pretax return on assets | 1.7918% | 876 |
| Return on Equity (ROE) | 11.2987% | 1,552 |
| Retained earnings to average equity (ytd only) | 11.2987% | 674 |
| Net charge-offs to loans | 0.0441% | 2,361 |
| Credit loss provision to net charge-offs | -120.0000% | 4,516 |
| Earnings coverage of net charge-offs (x) | 47.5582% | 864 |
| Efficiency ratio | 50.7009% | 5,873 |
| Assets per employee ($millions) | 14.3271% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,992 |
| Loan loss allowance to noncurrent loans | 729.1874% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 5,396 |
| Noncurrent loans to loans | 0.1644% | 5,179 |
| Net loans and leases to total assets | 83.9753% | 309 |
| Net loans and leases to deposits | 119.3397% | 90 |
| Net loans and leases to core deposits | 127.8000% | 274 |
| Total domestic deposits to total assets | 70.3666% | 6,109 |
| Equity capital to assets | 10.1772% | 3,907 |
| Core capital (leverage) ratio | 9.9481% | 3,667 |
| Tier 1 risk-based capital ratio | 12.0229% | 5,216 |
| Total risk-based capital ratio | 13.2717% | 5,120 |
| Memoranda: | ||
| Average total assets | $3,512,032,000 | 250 |
| Average earning assets | $3,344,105,500 | 241 |
| Average equity | $345,278,500 | 277 |
| Average total loans | $3,035,801,000 | 210 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 3,008 |
| Cost of funding earning assets | 0.5655% | 2,087 |
| Net interest margin | 3.6159% | 3,354 |
| Noninterest income to average assets | 0.1359% | 6,012 |
| Noninterest expense to average assets | 1.9129% | 5,914 |
| Loan and lease loss provision to assets | 0.0641% | 3,227 |
| Net operating income to assets | 1.0305% | 2,262 |
| Return on assets (ROA) | 0.9710% | 2,607 |
| Pretax return on assets | 1.5365% | 1,420 |
| Return on Equity (ROE) | 10.5551% | 1,875 |
| Retained earnings to average equity (ytd only) | 3.5667% | 3,688 |
| Net charge-offs to loans | 0.0706% | 3,468 |
| Credit loss provision to net charge-offs | 103.7370% | 2,308 |
| Earnings coverage of net charge-offs (x) | 26.8723% | 1,451 |
| Efficiency ratio | 53.5210% | 5,880 |
| Assets per employee ($millions) | 14.0048% | 91 |
| Cash dividends to net income (ytd only)* | 66.2092% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 4,315 |
| Loan loss allowance to noncurrent loans | 602.7041% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 5,356 |
| Noncurrent loans to loans | 0.1898% | 5,149 |
| Net loans and leases to total assets | 86.8332% | 159 |
| Net loans and leases to deposits | 128.8390% | 48 |
| Net loans and leases to core deposits | 136.7095% | 187 |
| Total domestic deposits to total assets | 67.3967% | 6,287 |
| Equity capital to assets | 9.4969% | 4,730 |
| Core capital (leverage) ratio | 9.5976% | 4,103 |
| Tier 1 risk-based capital ratio | 10.7247% | 6,018 |
| Total risk-based capital ratio | 11.8975% | 5,984 |
| Memoranda: | ||
| Average total assets | $3,421,998,400 | 244 |
| Average earning assets | $3,252,789,800 | 233 |
| Average equity | $314,804,600 | 285 |
| Average total loans | $2,995,760,800 | 199 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1712% | 3,084 |
| Cost of funding earning assets | 0.5726% | 2,084 |
| Net interest margin | 3.5986% | 3,430 |
| Noninterest income to average assets | 0.1532% | 5,998 |
| Noninterest expense to average assets | 1.9102% | 5,935 |
| Loan and lease loss provision to assets | 0.1316% | 1,906 |
| Net operating income to assets | 0.9848% | 2,519 |
| Return on assets (ROA) | 0.9233% | 2,900 |
| Pretax return on assets | 1.4683% | 1,741 |
| Return on Equity (ROE) | 10.1234% | 2,158 |
| Retained earnings to average equity (ytd only) | 0.6219% | 5,620 |
| Net charge-offs to loans | 0.0637% | 3,296 |
| Credit loss provision to net charge-offs | 236.3508% | 1,107 |
| Earnings coverage of net charge-offs (x) | 29.8267% | 1,375 |
| Efficiency ratio | 53.4605% | 5,880 |
| Assets per employee ($millions) | 14.2517% | 89 |
| Cash dividends to net income (ytd only)* | 93.8567% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 4,144 |
| Loan loss allowance to noncurrent loans | 640.7508% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 5,532 |
| Noncurrent loans to loans | 0.1898% | 5,339 |
| Net loans and leases to total assets | 85.9838% | 197 |
| Net loans and leases to deposits | 128.0227% | 50 |
| Net loans and leases to core deposits | 134.0489% | 189 |
| Total domestic deposits to total assets | 67.1629% | 6,376 |
| Equity capital to assets | 9.2256% | 5,120 |
| Core capital (leverage) ratio | 9.3457% | 4,576 |
| Tier 1 risk-based capital ratio | 10.4433% | 6,225 |
| Total risk-based capital ratio | 11.6802% | 6,182 |
| Memoranda: | ||
| Average total assets | $3,384,691,750 | 244 |
| Average earning assets | $3,215,216,750 | 230 |
| Average equity | $308,717,000 | 289 |
| Average total loans | $2,960,477,750 | 200 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 2,992 |
| Cost of funding earning assets | 0.5789% | 2,080 |
| Net interest margin | 3.6097% | 3,322 |
| Noninterest income to average assets | 0.1526% | 6,032 |
| Noninterest expense to average assets | 1.9589% | 5,896 |
| Loan and lease loss provision to assets | 0.1471% | 1,680 |
| Net operating income to assets | 0.9502% | 2,551 |
| Return on assets (ROA) | 0.8962% | 2,927 |
| Pretax return on assets | 1.4170% | 1,832 |
| Return on Equity (ROE) | 9.8657% | 2,216 |
| Retained earnings to average equity (ytd only) | -4.7011% | 6,214 |
| Net charge-offs to loans | 0.0656% | 3,056 |
| Credit loss provision to net charge-offs | 255.8577% | 974 |
| Earnings coverage of net charge-offs (x) | 28.1412% | 1,314 |
| Efficiency ratio | 54.7283% | 5,850 |
| Assets per employee ($millions) | 13.5828% | 96 |
| Cash dividends to net income (ytd only)* | 147.6510% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 4,219 |
| Loan loss allowance to noncurrent loans | 605.1216% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 5,580 |
| Noncurrent loans to loans | 0.2048% | 5,402 |
| Net loans and leases to total assets | 86.5706% | 148 |
| Net loans and leases to deposits | 127.8528% | 44 |
| Net loans and leases to core deposits | 133.3805% | 194 |
| Total domestic deposits to total assets | 67.7111% | 6,431 |
| Equity capital to assets | 8.6089% | 5,707 |
| Core capital (leverage) ratio | 8.7111% | 5,381 |
| Tier 1 risk-based capital ratio | 9.5711% | 6,486 |
| Total risk-based capital ratio | 10.8211% | 6,465 |
| Memoranda: | ||
| Average total assets | $3,325,277,000 | 246 |
| Average earning assets | $3,154,474,000 | 233 |
| Average equity | $302,055,670 | 288 |
| Average total loans | $2,913,547,330 | 198 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,832 |
| Cost of funding earning assets | 0.5826% | 2,138 |
| Net interest margin | 3.6290% | 3,145 |
| Noninterest income to average assets | 0.2718% | 5,197 |
| Noninterest expense to average assets | 2.1132% | 5,657 |
| Loan and lease loss provision to assets | 0.1398% | 1,737 |
| Net operating income to assets | 0.9439% | 2,435 |
| Return on assets (ROA) | 0.8923% | 2,755 |
| Pretax return on assets | 1.4044% | 1,728 |
| Return on Equity (ROE) | 9.5608% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.5608% | 1,089 |
| Net charge-offs to loans | 0.0532% | 2,635 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 34.2388% | 967 |
| Efficiency ratio | 56.9082% | 5,765 |
| Assets per employee ($millions) | 13.2040% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 4,286 |
| Loan loss allowance to noncurrent loans | 449.9263% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 5,437 |
| Noncurrent loans to loans | 0.2821% | 5,263 |
| Net loans and leases to total assets | 85.9676% | 143 |
| Net loans and leases to deposits | 123.5537% | 54 |
| Net loans and leases to core deposits | 128.6587% | 200 |
| Total domestic deposits to total assets | 69.5792% | 6,462 |
| Equity capital to assets | 9.3246% | 4,731 |
| Core capital (leverage) ratio | 9.4061% | 4,413 |
| Tier 1 risk-based capital ratio | 10.3918% | 6,364 |
| Total risk-based capital ratio | 11.6421% | 6,329 |
| Memoranda: | ||
| Average total assets | $3,269,696,500 | 246 |
| Average earning assets | $3,096,973,000 | 236 |
| Average equity | $305,163,000 | 283 |
| Average total loans | $2,864,180,500 | 200 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 2,369 |
| Cost of funding earning assets | 0.6810% | 1,951 |
| Net interest margin | 3.7760% | 2,741 |
| Noninterest income to average assets | 0.0700% | 6,484 |
| Noninterest expense to average assets | 1.9382% | 6,127 |
| Loan and lease loss provision to assets | 0.0926% | 3,257 |
| Net operating income to assets | 1.0507% | 2,116 |
| Return on assets (ROA) | 0.9892% | 2,441 |
| Pretax return on assets | 1.5353% | 1,338 |
| Return on Equity (ROE) | 10.4038% | 1,955 |
| Retained earnings to average equity (ytd only) | 5.3967% | 2,347 |
| Net charge-offs to loans | 0.0760% | 4,148 |
| Credit loss provision to net charge-offs | 137.5472% | 1,702 |
| Earnings coverage of net charge-offs (x) | 25.1429% | 1,340 |
| Efficiency ratio | 53.0939% | 6,210 |
| Assets per employee ($millions) | 13.1105% | 114 |
| Cash dividends to net income (ytd only)* | 48.1278% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 4,331 |
| Loan loss allowance to noncurrent loans | 575.0401% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 5,722 |
| Noncurrent loans to loans | 0.2196% | 5,528 |
| Net loans and leases to total assets | 87.0244% | 117 |
| Net loans and leases to deposits | 123.1058% | 53 |
| Net loans and leases to core deposits | 128.1955% | 213 |
| Total domestic deposits to total assets | 70.6908% | 6,493 |
| Equity capital to assets | 9.3418% | 4,630 |
| Core capital (leverage) ratio | 9.3725% | 4,445 |
| Tier 1 risk-based capital ratio | 10.4347% | 6,389 |
| Total risk-based capital ratio | 11.6850% | 6,340 |
| Memoranda: | ||
| Average total assets | $3,150,689,600 | 243 |
| Average earning assets | $2,970,537,200 | 232 |
| Average equity | $299,573,600 | 278 |
| Average total loans | $2,787,899,800 | 193 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5080% | 2,201 |
| Cost of funding earning assets | 0.7004% | 1,942 |
| Net interest margin | 3.8076% | 2,610 |
| Noninterest income to average assets | 0.0639% | 6,588 |
| Noninterest expense to average assets | 1.9609% | 6,081 |
| Loan and lease loss provision to assets | 0.0677% | 3,701 |
| Net operating income to assets | 1.0697% | 2,120 |
| Return on assets (ROA) | 1.0147% | 2,407 |
| Pretax return on assets | 1.5667% | 1,424 |
| Return on Equity (ROE) | 10.6243% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.6243% | 656 |
| Net charge-offs to loans | 0.0591% | 4,060 |
| Credit loss provision to net charge-offs | 129.2683% | 1,823 |
| Earnings coverage of net charge-offs (x) | 32.2650% | 1,176 |
| Efficiency ratio | 53.4175% | 6,152 |
| Assets per employee ($millions) | 13.1833% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 4,563 |
| Loan loss allowance to noncurrent loans | 485.6694% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 5,745 |
| Noncurrent loans to loans | 0.2607% | 5,579 |
| Net loans and leases to total assets | 86.4695% | 131 |
| Net loans and leases to deposits | 123.8679% | 55 |
| Net loans and leases to core deposits | 129.1326% | 202 |
| Total domestic deposits to total assets | 69.8078% | 6,608 |
| Equity capital to assets | 9.6675% | 4,340 |
| Core capital (leverage) ratio | 9.7186% | 4,077 |
| Tier 1 risk-based capital ratio | 10.8909% | 6,328 |
| Total risk-based capital ratio | 12.1404% | 6,293 |
| Memoranda: | ||
| Average total assets | $3,132,064,000 | 240 |
| Average earning assets | $2,950,151,500 | 227 |
| Average equity | $299,144,250 | 277 |
| Average total loans | $2,774,225,250 | 190 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5840% | 1,896 |
| Cost of funding earning assets | 0.7201% | 1,921 |
| Net interest margin | 3.8639% | 2,330 |
| Noninterest income to average assets | 0.0743% | 6,606 |
| Noninterest expense to average assets | 1.9665% | 6,103 |
| Loan and lease loss provision to assets | 0.0741% | 3,558 |
| Net operating income to assets | 1.0800% | 1,998 |
| Return on assets (ROA) | 1.0284% | 2,325 |
| Pretax return on assets | 1.6225% | 1,300 |
| Return on Equity (ROE) | 10.8130% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.8130% | 678 |
| Net charge-offs to loans | 0.0545% | 3,917 |
| Credit loss provision to net charge-offs | 152.9880% | 1,510 |
| Earnings coverage of net charge-offs (x) | 36.0810% | 999 |
| Efficiency ratio | 52.6424% | 6,247 |
| Assets per employee ($millions) | 13.1412% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 4,584 |
| Loan loss allowance to noncurrent loans | 474.0351% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 5,754 |
| Noncurrent loans to loans | 0.2708% | 5,626 |
| Net loans and leases to total assets | 87.2232% | 111 |
| Net loans and leases to deposits | 123.9710% | 58 |
| Net loans and leases to core deposits | 129.5232% | 192 |
| Total domestic deposits to total assets | 70.3577% | 6,647 |
| Equity capital to assets | 9.6181% | 4,427 |
| Core capital (leverage) ratio | 9.5884% | 4,098 |
| Tier 1 risk-based capital ratio | 10.7741% | 6,422 |
| Total risk-based capital ratio | 12.0236% | 6,387 |
| Memoranda: | ||
| Average total assets | $3,108,234,670 | 240 |
| Average earning assets | $2,928,472,330 | 228 |
| Average equity | $295,625,000 | 279 |
| Average total loans | $2,763,763,330 | 190 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5503% | 1,987 |
| Cost of funding earning assets | 0.7508% | 1,844 |
| Net interest margin | 3.7995% | 2,453 |
| Noninterest income to average assets | 0.0951% | 6,588 |
| Noninterest expense to average assets | 2.0364% | 6,030 |
| Loan and lease loss provision to assets | 0.0655% | 3,540 |
| Net operating income to assets | 1.0217% | 2,136 |
| Return on assets (ROA) | 0.9665% | 2,498 |
| Pretax return on assets | 1.5225% | 1,509 |
| Return on Equity (ROE) | 10.2204% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.2204% | 1,054 |
| Net charge-offs to loans | 0.0431% | 3,431 |
| Credit loss provision to net charge-offs | 170.3704% | 1,237 |
| Earnings coverage of net charge-offs (x) | 42.7677% | 744 |
| Efficiency ratio | 55.0364% | 6,151 |
| Assets per employee ($millions) | 13.0784% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 4,750 |
| Loan loss allowance to noncurrent loans | 395.9063% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 5,694 |
| Noncurrent loans to loans | 0.3263% | 5,586 |
| Net loans and leases to total assets | 87.5055% | 81 |
| Net loans and leases to deposits | 124.5102% | 49 |
| Net loans and leases to core deposits | 130.2127% | 176 |
| Total domestic deposits to total assets | 70.2798% | 6,749 |
| Equity capital to assets | 9.5476% | 4,785 |
| Core capital (leverage) ratio | 9.5149% | 4,056 |
| Tier 1 risk-based capital ratio | 10.4284% | 6,598 |
| Total risk-based capital ratio | 11.6783% | 6,585 |
| Memoranda: | ||
| Average total assets | $3,091,977,000 | 245 |
| Average earning assets | $2,917,001,500 | 231 |
| Average equity | $292,397,000 | 285 |
| Average total loans | $2,758,104,000 | 193 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7332% | 2,455 |
| Cost of funding earning assets | 0.9166% | 1,840 |
| Net interest margin | 3.8167% | 3,154 |
| Noninterest income to average assets | 0.1241% | 6,416 |
| Noninterest expense to average assets | 1.6898% | 6,732 |
| Loan and lease loss provision to assets | 0.1988% | 3,153 |
| Net operating income to assets | 1.2095% | 1,571 |
| Return on assets (ROA) | 1.1684% | 1,864 |
| Pretax return on assets | 1.8210% | 884 |
| Return on Equity (ROE) | 12.0174% | 1,506 |
| Retained earnings to average equity (ytd only) | 1.6733% | 5,021 |
| Net charge-offs to loans | 0.0775% | 4,898 |
| Credit loss provision to net charge-offs | 288.2353% | 844 |
| Earnings coverage of net charge-offs (x) | 29.8872% | 1,017 |
| Efficiency ratio | 44.5073% | 6,832 |
| Assets per employee ($millions) | 15.2692% | 90 |
| Cash dividends to net income (ytd only)* | 86.0758% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 4,750 |
| Loan loss allowance to noncurrent loans | 355.9831% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 5,692 |
| Noncurrent loans to loans | 0.3586% | 5,587 |
| Net loans and leases to total assets | 88.6102% | 75 |
| Net loans and leases to deposits | 126.6287% | 51 |
| Net loans and leases to core deposits | 132.5060% | 167 |
| Total domestic deposits to total assets | 69.9764% | 6,785 |
| Equity capital to assets | 9.3652% | 5,046 |
| Core capital (leverage) ratio | 9.1662% | 4,635 |
| Tier 1 risk-based capital ratio | 9.6423% | 6,785 |
| Total risk-based capital ratio | 10.8839% | 6,766 |
| Memoranda: | ||
| Average total assets | $2,983,085,200 | 244 |
| Average earning assets | $2,834,500,400 | 235 |
| Average equity | $290,022,200 | 279 |
| Average total loans | $2,652,537,800 | 192 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 2,623 |
| Cost of funding earning assets | 0.9529% | 1,842 |
| Net interest margin | 3.7871% | 3,390 |
| Noninterest income to average assets | 0.1224% | 6,522 |
| Noninterest expense to average assets | 1.8968% | 6,530 |
| Loan and lease loss provision to assets | 0.1944% | 3,148 |
| Net operating income to assets | 1.0711% | 2,206 |
| Return on assets (ROA) | 1.0324% | 2,574 |
| Pretax return on assets | 1.5947% | 1,593 |
| Return on Equity (ROE) | 10.5180% | 2,130 |
| Retained earnings to average equity (ytd only) | 1.3328% | 5,640 |
| Net charge-offs to loans | 0.0711% | 4,704 |
| Credit loss provision to net charge-offs | 308.2916% | 873 |
| Earnings coverage of net charge-offs (x) | 28.9849% | 1,126 |
| Efficiency ratio | 50.8484% | 6,528 |
| Assets per employee ($millions) | 13.6022% | 110 |
| Cash dividends to net income (ytd only)* | 87.3286% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 5,022 |
| Loan loss allowance to noncurrent loans | 383.3797% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 5,972 |
| Noncurrent loans to loans | 0.3274% | 5,818 |
| Net loans and leases to total assets | 88.4662% | 82 |
| Net loans and leases to deposits | 126.4299% | 55 |
| Net loans and leases to core deposits | 132.1023% | 175 |
| Total domestic deposits to total assets | 69.9725% | 6,844 |
| Equity capital to assets | 9.3798% | 5,368 |
| Core capital (leverage) ratio | 9.1990% | 4,763 |
| Tier 1 risk-based capital ratio | 9.8248% | 6,838 |
| Total risk-based capital ratio | 11.0292% | 6,834 |
| Memoranda: | ||
| Average total assets | $2,957,761,750 | 247 |
| Average earning assets | $2,813,433,500 | 236 |
| Average equity | $290,313,000 | 280 |
| Average total loans | $2,623,568,250 | 195 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 2,800 |
| Cost of funding earning assets | 0.9762% | 1,897 |
| Net interest margin | 3.7541% | 3,567 |
| Noninterest income to average assets | 0.1120% | 6,624 |
| Noninterest expense to average assets | 1.8524% | 6,679 |
| Loan and lease loss provision to assets | 0.2038% | 3,031 |
| Net operating income to assets | 1.0318% | 2,334 |
| Return on assets (ROA) | 0.9950% | 2,715 |
| Pretax return on assets | 1.5970% | 1,557 |
| Return on Equity (ROE) | 9.9823% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.9823% | 978 |
| Net charge-offs to loans | 0.0573% | 4,612 |
| Credit loss provision to net charge-offs | 402.5676% | 729 |
| Earnings coverage of net charge-offs (x) | 36.2986% | 946 |
| Efficiency ratio | 50.1233% | 6,639 |
| Assets per employee ($millions) | 13.0170% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 5,053 |
| Loan loss allowance to noncurrent loans | 353.2919% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 5,925 |
| Noncurrent loans to loans | 0.3584% | 5,826 |
| Net loans and leases to total assets | 86.9612% | 107 |
| Net loans and leases to deposits | 123.4514% | 60 |
| Net loans and leases to core deposits | 128.8995% | 220 |
| Total domestic deposits to total assets | 70.4416% | 6,884 |
| Equity capital to assets | 9.9311% | 4,449 |
| Core capital (leverage) ratio | 9.6065% | 3,991 |
| Tier 1 risk-based capital ratio | 10.4683% | 6,707 |
| Total risk-based capital ratio | 11.6731% | 6,711 |
| Memoranda: | ||
| Average total assets | $2,923,517,670 | 251 |
| Average earning assets | $2,786,417,000 | 238 |
| Average equity | $291,395,000 | 276 |
| Average total loans | $2,584,118,330 | 194 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 2,650 |
| Cost of funding earning assets | 1.0057% | 1,945 |
| Net interest margin | 3.7924% | 3,423 |
| Noninterest income to average assets | 0.1040% | 6,721 |
| Noninterest expense to average assets | 1.8852% | 6,670 |
| Loan and lease loss provision to assets | 0.2518% | 2,436 |
| Net operating income to assets | 1.0414% | 2,320 |
| Return on assets (ROA) | 1.0019% | 2,665 |
| Pretax return on assets | 1.5537% | 1,729 |
| Return on Equity (ROE) | 10.0326% | 2,396 |
| Retained earnings to average equity (ytd only) | 10.0326% | 1,260 |
| Net charge-offs to loans | 0.0878% | 3,636 |
| Credit loss provision to net charge-offs | 323.9286% | 925 |
| Earnings coverage of net charge-offs (x) | 23.7375% | 1,084 |
| Efficiency ratio | 50.4595% | 6,643 |
| Assets per employee ($millions) | 14.0529% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 5,200 |
| Loan loss allowance to noncurrent loans | 335.4596% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 6,032 |
| Noncurrent loans to loans | 0.3758% | 5,920 |
| Net loans and leases to total assets | 87.6578% | 77 |
| Net loans and leases to deposits | 122.4654% | 61 |
| Net loans and leases to core deposits | 127.8642% | 218 |
| Total domestic deposits to total assets | 71.5776% | 6,903 |
| Equity capital to assets | 10.0204% | 4,101 |
| Core capital (leverage) ratio | 9.6805% | 3,797 |
| Tier 1 risk-based capital ratio | 10.7215% | 6,658 |
| Total risk-based capital ratio | 11.9645% | 6,648 |
| Memoranda: | ||
| Average total assets | $2,881,811,500 | 254 |
| Average earning assets | $2,755,588,000 | 241 |
| Average equity | $287,782,000 | 276 |
| Average total loans | $2,551,977,500 | 196 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 3,219 |
| Cost of funding earning assets | 1.0966% | 2,696 |
| Net interest margin | 3.8312% | 3,666 |
| Noninterest income to average assets | 0.0458% | 6,852 |
| Noninterest expense to average assets | 1.8363% | 6,916 |
| Loan and lease loss provision to assets | 0.1161% | 5,149 |
| Net operating income to assets | 1.0833% | 1,885 |
| Return on assets (ROA) | 1.0391% | 2,193 |
| Pretax return on assets | 1.7202% | 948 |
| Return on Equity (ROE) | 7.6350% | 3,087 |
| Retained earnings to average equity (ytd only) | -35.5383% | 7,128 |
| Net charge-offs to loans | 0.0805% | 5,520 |
| Credit loss provision to net charge-offs | 166.5453% | 1,627 |
| Earnings coverage of net charge-offs (x) | 26.9740% | 923 |
| Efficiency ratio | 48.5318% | 6,916 |
| Assets per employee ($millions) | 10.5729% | 198 |
| Cash dividends to net income (ytd only)* | 565.4646% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 5,222 |
| Loan loss allowance to noncurrent loans | 643.0861% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 6,506 |
| Noncurrent loans to loans | 0.1930% | 6,365 |
| Net loans and leases to total assets | 87.2317% | 99 |
| Net loans and leases to deposits | 122.0602% | 77 |
| Net loans and leases to core deposits | 128.3030% | 256 |
| Total domestic deposits to total assets | 71.4662% | 6,901 |
| Equity capital to assets | 9.9512% | 4,227 |
| Core capital (leverage) ratio | 9.6253% | 3,830 |
| Tier 1 risk-based capital ratio | 10.3731% | 6,743 |
| Total risk-based capital ratio | 11.5605% | 6,741 |
| Memoranda: | ||
| Average total assets | $2,756,848,600 | 264 |
| Average earning assets | $2,641,654,800 | 238 |
| Average equity | $375,192,800 | 230 |
| Average total loans | $2,387,690,800 | 206 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 3,337 |
| Cost of funding earning assets | 1.1189% | 2,838 |
| Net interest margin | 3.8293% | 3,726 |
| Noninterest income to average assets | 0.0322% | 7,010 |
| Noninterest expense to average assets | 1.8217% | 6,963 |
| Loan and lease loss provision to assets | 0.1183% | 4,952 |
| Net operating income to assets | 1.0828% | 2,030 |
| Return on assets (ROA) | 1.0381% | 2,339 |
| Pretax return on assets | 1.7206% | 1,097 |
| Return on Equity (ROE) | 7.1276% | 3,466 |
| Retained earnings to average equity (ytd only) | -9.2885% | 6,831 |
| Net charge-offs to loans | 0.0936% | 5,038 |
| Credit loss provision to net charge-offs | 146.6425% | 2,148 |
| Earnings coverage of net charge-offs (x) | 23.3527% | 1,118 |
| Efficiency ratio | 48.2162% | 6,950 |
| Assets per employee ($millions) | 10.3421% | 226 |
| Cash dividends to net income (ytd only)* | 230.3173% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 5,228 |
| Loan loss allowance to noncurrent loans | 314.9008% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 6,067 |
| Noncurrent loans to loans | 0.3982% | 6,057 |
| Net loans and leases to total assets | 86.2011% | 128 |
| Net loans and leases to deposits | 122.8943% | 76 |
| Net loans and leases to core deposits | 129.3524% | 256 |
| Total domestic deposits to total assets | 70.1425% | 7,035 |
| Equity capital to assets | 13.8697% | 1,215 |
| Core capital (leverage) ratio | 13.5365% | 1,030 |
| Tier 1 risk-based capital ratio | 15.0887% | 3,616 |
| Total risk-based capital ratio | 16.3150% | 3,595 |
| Memoranda: | ||
| Average total assets | $2,732,392,500 | 265 |
| Average earning assets | $2,620,980,750 | 240 |
| Average equity | $397,972,250 | 220 |
| Average total loans | $2,354,243,500 | 210 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 3,222 |
| Cost of funding earning assets | 1.1353% | 2,999 |
| Net interest margin | 3.8513% | 3,529 |
| Noninterest income to average assets | 0.0929% | 6,862 |
| Noninterest expense to average assets | 1.8030% | 7,081 |
| Loan and lease loss provision to assets | 0.1293% | 4,673 |
| Net operating income to assets | 1.1285% | 1,793 |
| Return on assets (ROA) | 1.0835% | 2,016 |
| Pretax return on assets | 1.8124% | 857 |
| Return on Equity (ROE) | 7.3179% | 3,288 |
| Retained earnings to average equity (ytd only) | -15.4258% | 7,048 |
| Net charge-offs to loans | 0.0924% | 4,750 |
| Credit loss provision to net charge-offs | 163.1530% | 1,855 |
| Earnings coverage of net charge-offs (x) | 25.0700% | 1,047 |
| Efficiency ratio | 46.6400% | 7,126 |
| Assets per employee ($millions) | 10.1657% | 232 |
| Cash dividends to net income (ytd only)* | 310.7935% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 5,122 |
| Loan loss allowance to noncurrent loans | 365.8324% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 6,151 |
| Noncurrent loans to loans | 0.3517% | 6,219 |
| Net loans and leases to total assets | 85.1764% | 172 |
| Net loans and leases to deposits | 120.5475% | 86 |
| Net loans and leases to core deposits | 126.8923% | 302 |
| Total domestic deposits to total assets | 70.6579% | 7,078 |
| Equity capital to assets | 14.0110% | 1,091 |
| Core capital (leverage) ratio | 13.6493% | 953 |
| Tier 1 risk-based capital ratio | 15.4037% | 3,292 |
| Total risk-based capital ratio | 16.6538% | 3,237 |
| Memoranda: | ||
| Average total assets | $2,705,510,670 | 270 |
| Average earning assets | $2,596,944,000 | 245 |
| Average equity | $400,576,670 | 217 |
| Average total loans | $2,320,438,000 | 212 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0126% | 3,051 |
| Cost of funding earning assets | 1.1416% | 3,217 |
| Net interest margin | 3.8710% | 3,294 |
| Noninterest income to average assets | 0.0925% | 6,957 |
| Noninterest expense to average assets | 1.8222% | 7,113 |
| Loan and lease loss provision to assets | 0.1532% | 4,107 |
| Net operating income to assets | 1.1170% | 1,778 |
| Return on assets (ROA) | 1.0747% | 1,981 |
| Pretax return on assets | 1.7961% | 826 |
| Return on Equity (ROE) | 7.0626% | 3,347 |
| Retained earnings to average equity (ytd only) | -19.7024% | 7,152 |
| Net charge-offs to loans | 0.1224% | 3,796 |
| Credit loss provision to net charge-offs | 146.4286% | 1,937 |
| Earnings coverage of net charge-offs (x) | 19.0329% | 1,160 |
| Efficiency ratio | 46.8368% | 7,164 |
| Assets per employee ($millions) | 10.3292% | 219 |
| Cash dividends to net income (ytd only)* | 378.9679% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 5,165 |
| Loan loss allowance to noncurrent loans | 136.2316% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 5,277 |
| Noncurrent loans to loans | 0.9490% | 5,139 |
| Net loans and leases to total assets | 84.6882% | 192 |
| Net loans and leases to deposits | 119.8790% | 95 |
| Net loans and leases to core deposits | 126.3135% | 310 |
| Total domestic deposits to total assets | 70.6448% | 7,149 |
| Equity capital to assets | 14.6707% | 835 |
| Core capital (leverage) ratio | 14.3365% | 769 |
| Tier 1 risk-based capital ratio | 16.7084% | 2,583 |
| Total risk-based capital ratio | 17.9590% | 2,556 |
| Memoranda: | ||
| Average total assets | $2,675,737,000 | 271 |
| Average earning assets | $2,572,259,500 | 252 |
| Average equity | $407,159,000 | 210 |
| Average total loans | $2,287,720,500 | 216 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2301% | 3,461 |
| Cost of funding earning assets | 1.3935% | 3,311 |
| Net interest margin | 3.8366% | 3,795 |
| Noninterest income to average assets | 0.0966% | 6,912 |
| Noninterest expense to average assets | 1.8635% | 7,204 |
| Loan and lease loss provision to assets | 0.1469% | 5,719 |
| Net operating income to assets | 1.0561% | 1,850 |
| Return on assets (ROA) | 1.0274% | 2,053 |
| Pretax return on assets | 1.7411% | 870 |
| Return on Equity (ROE) | 6.4191% | 3,387 |
| Retained earnings to average equity (ytd only) | 2.2073% | 4,343 |
| Net charge-offs to loans | 0.2366% | 4,864 |
| Credit loss provision to net charge-offs | 73.2253% | 5,785 |
| Earnings coverage of net charge-offs (x) | 9.5511% | 1,806 |
| Efficiency ratio | 48.0495% | 7,263 |
| Assets per employee ($millions) | 10.6234% | 219 |
| Cash dividends to net income (ytd only)* | 65.6132% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 4,909 |
| Loan loss allowance to noncurrent loans | 222.1848% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 6,015 |
| Noncurrent loans to loans | 0.5931% | 5,857 |
| Net loans and leases to total assets | 84.0704% | 301 |
| Net loans and leases to deposits | 122.1639% | 106 |
| Net loans and leases to core deposits | 129.4271% | 339 |
| Total domestic deposits to total assets | 68.8177% | 7,292 |
| Equity capital to assets | 15.7753% | 627 |
| Core capital (leverage) ratio | 15.4216% | 595 |
| Tier 1 risk-based capital ratio | 17.5786% | 2,144 |
| Total risk-based capital ratio | 18.8290% | 2,109 |
| Memoranda: | ||
| Average total assets | $2,584,053,600 | 275 |
| Average earning assets | $2,480,627,400 | 261 |
| Average equity | $413,581,400 | 207 |
| Average total loans | $2,190,660,200 | 224 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2871% | 3,413 |
| Cost of funding earning assets | 1.4551% | 3,245 |
| Net interest margin | 3.8319% | 3,833 |
| Noninterest income to average assets | 0.0980% | 7,055 |
| Noninterest expense to average assets | 1.8964% | 7,214 |
| Loan and lease loss provision to assets | 0.1287% | 5,740 |
| Net operating income to assets | 1.0459% | 2,085 |
| Return on assets (ROA) | 1.0182% | 2,289 |
| Pretax return on assets | 1.7249% | 1,067 |
| Return on Equity (ROE) | 6.3383% | 3,660 |
| Retained earnings to average equity (ytd only) | 2.3144% | 4,780 |
| Net charge-offs to loans | 0.1962% | 4,767 |
| Credit loss provision to net charge-offs | 77.4688% | 5,212 |
| Earnings coverage of net charge-offs (x) | 11.3219% | 1,803 |
| Efficiency ratio | 48.9473% | 7,215 |
| Assets per employee ($millions) | 10.4658% | 233 |
| Cash dividends to net income (ytd only)* | 63.4857% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 4,539 |
| Loan loss allowance to noncurrent loans | 364.6211% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 6,577 |
| Noncurrent loans to loans | 0.3804% | 6,431 |
| Net loans and leases to total assets | 83.5052% | 365 |
| Net loans and leases to deposits | 121.9425% | 101 |
| Net loans and leases to core deposits | 128.5357% | 402 |
| Total domestic deposits to total assets | 68.4792% | 7,353 |
| Equity capital to assets | 16.1172% | 652 |
| Core capital (leverage) ratio | 15.7008% | 605 |
| Tier 1 risk-based capital ratio | 18.0892% | 2,004 |
| Total risk-based capital ratio | 19.3405% | 1,959 |
| Memoranda: | ||
| Average total assets | $2,568,763,250 | 276 |
| Average earning assets | $2,466,131,500 | 258 |
| Average equity | $412,654,000 | 205 |
| Average total loans | $2,174,940,750 | 223 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3203% | 3,368 |
| Cost of funding earning assets | 1.5223% | 3,118 |
| Net interest margin | 3.7980% | 3,900 |
| Noninterest income to average assets | 0.0996% | 7,098 |
| Noninterest expense to average assets | 1.8947% | 7,274 |
| Loan and lease loss provision to assets | 0.1504% | 5,395 |
| Net operating income to assets | 1.0143% | 2,145 |
| Return on assets (ROA) | 0.9911% | 2,309 |
| Pretax return on assets | 1.6788% | 1,091 |
| Return on Equity (ROE) | 6.1761% | 3,711 |
| Retained earnings to average equity (ytd only) | 2.5605% | 4,519 |
| Net charge-offs to loans | 0.2188% | 4,290 |
| Credit loss provision to net charge-offs | 81.2131% | 4,671 |
| Earnings coverage of net charge-offs (x) | 9.9945% | 1,951 |
| Efficiency ratio | 49.3033% | 7,267 |
| Assets per employee ($millions) | 10.9058% | 204 |
| Cash dividends to net income (ytd only)* | 58.5420% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 4,373 |
| Loan loss allowance to noncurrent loans | 372.9397% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 6,619 |
| Noncurrent loans to loans | 0.3781% | 6,482 |
| Net loans and leases to total assets | 82.8668% | 448 |
| Net loans and leases to deposits | 125.0468% | 91 |
| Net loans and leases to core deposits | 132.2309% | 386 |
| Total domestic deposits to total assets | 66.2686% | 7,517 |
| Equity capital to assets | 16.0326% | 664 |
| Core capital (leverage) ratio | 15.6130% | 620 |
| Tier 1 risk-based capital ratio | 18.1690% | 1,912 |
| Total risk-based capital ratio | 19.4207% | 1,884 |
| Memoranda: | ||
| Average total assets | $2,563,334,330 | 277 |
| Average earning assets | $2,460,970,000 | 257 |
| Average equity | $411,326,000 | 206 |
| Average total loans | $2,170,249,670 | 226 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3237% | 3,429 |
| Cost of funding earning assets | 1.5803% | 3,077 |
| Net interest margin | 3.7433% | 4,040 |
| Noninterest income to average assets | 0.1109% | 7,137 |
| Noninterest expense to average assets | 1.8241% | 7,441 |
| Loan and lease loss provision to assets | 0.1985% | 4,518 |
| Net operating income to assets | 1.0022% | 2,175 |
| Return on assets (ROA) | 0.9767% | 2,333 |
| Pretax return on assets | 1.6576% | 1,144 |
| Return on Equity (ROE) | 6.0840% | 3,834 |
| Retained earnings to average equity (ytd only) | 3.7228% | 3,921 |
| Net charge-offs to loans | 0.2766% | 3,309 |
| Credit loss provision to net charge-offs | 84.4667% | 3,783 |
| Earnings coverage of net charge-offs (x) | 8.0053% | 2,000 |
| Efficiency ratio | 47.9301% | 7,442 |
| Assets per employee ($millions) | 10.8182% | 212 |
| Cash dividends to net income (ytd only)* | 38.8096% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 4,327 |
| Loan loss allowance to noncurrent loans | 281.9411% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 6,402 |
| Noncurrent loans to loans | 0.5033% | 6,289 |
| Net loans and leases to total assets | 83.5889% | 411 |
| Net loans and leases to deposits | 128.7056% | 84 |
| Net loans and leases to core deposits | 136.1177% | 382 |
| Total domestic deposits to total assets | 64.9458% | 7,649 |
| Equity capital to assets | 16.0689% | 660 |
| Core capital (leverage) ratio | 15.6666% | 632 |
| Tier 1 risk-based capital ratio | 18.1202% | 1,918 |
| Total risk-based capital ratio | 19.3720% | 1,889 |
| Memoranda: | ||
| Average total assets | $2,552,669,500 | 286 |
| Average earning assets | $2,451,391,000 | 268 |
| Average equity | $409,794,000 | 207 |
| Average total loans | $2,169,142,000 | 236 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6461% | 3,366 |
| Cost of funding earning assets | 2.1796% | 2,116 |
| Net interest margin | 3.4664% | 5,098 |
| Noninterest income to average assets | 0.0705% | 7,397 |
| Noninterest expense to average assets | 1.7963% | 7,610 |
| Loan and lease loss provision to assets | 0.3811% | 4,502 |
| Net operating income to assets | 0.7298% | 2,814 |
| Return on assets (ROA) | 0.7655% | 2,747 |
| Pretax return on assets | 1.2883% | 1,727 |
| Return on Equity (ROE) | 4.6569% | 3,817 |
| Retained earnings to average equity (ytd only) | -5.9122% | 6,136 |
| Net charge-offs to loans | 0.3311% | 4,575 |
| Credit loss provision to net charge-offs | 137.8824% | 3,564 |
| Earnings coverage of net charge-offs (x) | 5.8101% | 2,495 |
| Efficiency ratio | 51.0921% | 7,466 |
| Assets per employee ($millions) | 10.7688% | 220 |
| Cash dividends to net income (ytd only)* | 226.9575% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 4,049 |
| Loan loss allowance to noncurrent loans | 208.5128% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 5,989 |
| Noncurrent loans to loans | 0.6888% | 5,859 |
| Net loans and leases to total assets | 83.9373% | 439 |
| Net loans and leases to deposits | 129.8670% | 90 |
| Net loans and leases to core deposits | 166.3932% | 265 |
| Total domestic deposits to total assets | 64.6333% | 7,686 |
| Equity capital to assets | 16.0381% | 694 |
| Core capital (leverage) ratio | 15.6360% | 675 |
| Tier 1 risk-based capital ratio | 18.1025% | 1,863 |
| Total risk-based capital ratio | 19.3547% | 1,822 |
| Memoranda: | ||
| Average total assets | $2,565,981,200 | 287 |
| Average earning assets | $2,466,360,200 | 270 |
| Average equity | $421,786,200 | 205 |
| Average total loans | $2,141,966,600 | 245 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6974% | 3,352 |
| Cost of funding earning assets | 2.3024% | 1,978 |
| Net interest margin | 3.3950% | 5,288 |
| Noninterest income to average assets | 0.0728% | 7,547 |
| Noninterest expense to average assets | 1.7955% | 7,663 |
| Loan and lease loss provision to assets | 0.3706% | 4,106 |
| Net operating income to assets | 0.7020% | 3,199 |
| Return on assets (ROA) | 0.7247% | 3,186 |
| Pretax return on assets | 1.2110% | 2,229 |
| Return on Equity (ROE) | 4.3823% | 4,218 |
| Retained earnings to average equity (ytd only) | -8.0195% | 6,603 |
| Net charge-offs to loans | 0.3383% | 3,949 |
| Credit loss provision to net charge-offs | 131.9188% | 3,791 |
| Earnings coverage of net charge-offs (x) | 5.4863% | 2,807 |
| Efficiency ratio | 52.0731% | 7,407 |
| Assets per employee ($millions) | 10.7774% | 225 |
| Cash dividends to net income (ytd only)* | 282.9972% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,009 |
| Loan loss allowance to noncurrent loans | 469.3986% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 6,879 |
| Noncurrent loans to loans | 0.2958% | 6,770 |
| Net loans and leases to total assets | 83.4028% | 618 |
| Net loans and leases to deposits | 139.0943% | 77 |
| Net loans and leases to core deposits | 180.9876% | 181 |
| Total domestic deposits to total assets | 59.9613% | 7,877 |
| Equity capital to assets | 15.9319% | 800 |
| Core capital (leverage) ratio | 15.4599% | 771 |
| Tier 1 risk-based capital ratio | 18.0999% | 1,953 |
| Total risk-based capital ratio | 19.3516% | 1,910 |
| Memoranda: | ||
| Average total assets | $2,572,117,500 | 298 |
| Average earning assets | $2,472,889,000 | 279 |
| Average equity | $425,333,500 | 209 |
| Average total loans | $2,136,384,500 | 260 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7679% | 3,203 |
| Cost of funding earning assets | 2.4382% | 1,821 |
| Net interest margin | 3.3298% | 5,442 |
| Noninterest income to average assets | 0.0814% | 7,569 |
| Noninterest expense to average assets | 1.7986% | 7,744 |
| Loan and lease loss provision to assets | 0.3633% | 3,747 |
| Net operating income to assets | 0.6796% | 3,346 |
| Return on assets (ROA) | 0.6840% | 3,439 |
| Pretax return on assets | 1.1329% | 2,525 |
| Return on Equity (ROE) | 4.0869% | 4,460 |
| Retained earnings to average equity (ytd only) | -0.5547% | 5,366 |
| Net charge-offs to loans | 0.3388% | 3,480 |
| Credit loss provision to net charge-offs | 129.9167% | 3,580 |
| Earnings coverage of net charge-offs (x) | 5.2994% | 2,864 |
| Efficiency ratio | 53.0618% | 7,425 |
| Assets per employee ($millions) | 11.0859% | 201 |
| Cash dividends to net income (ytd only)* | 113.5718% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 3,895 |
| Loan loss allowance to noncurrent loans | 422.3900% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 6,796 |
| Noncurrent loans to loans | 0.3240% | 6,698 |
| Net loans and leases to total assets | 81.6057% | 1,025 |
| Net loans and leases to deposits | 140.1897% | 83 |
| Net loans and leases to core deposits | 186.8204% | 171 |
| Total domestic deposits to total assets | 58.2109% | 7,978 |
| Equity capital to assets | 16.6614% | 717 |
| Core capital (leverage) ratio | 16.2123% | 719 |
| Tier 1 risk-based capital ratio | 19.1846% | 1,745 |
| Total risk-based capital ratio | 20.4358% | 1,694 |
| Memoranda: | ||
| Average total assets | $2,574,482,670 | 303 |
| Average earning assets | $2,473,573,000 | 287 |
| Average equity | $430,892,330 | 210 |
| Average total loans | $2,125,370,670 | 269 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6907% | 3,854 |
| Cost of funding earning assets | 2.5569% | 1,717 |
| Net interest margin | 3.1338% | 6,092 |
| Noninterest income to average assets | 0.0925% | 7,589 |
| Noninterest expense to average assets | 1.6228% | 7,894 |
| Loan and lease loss provision to assets | 0.4369% | 2,740 |
| Net operating income to assets | 0.6360% | 3,859 |
| Return on assets (ROA) | 0.6299% | 4,064 |
| Pretax return on assets | 1.0370% | 3,217 |
| Return on Equity (ROE) | 3.7552% | 5,055 |
| Retained earnings to average equity (ytd only) | -5.5421% | 6,624 |
| Net charge-offs to loans | 0.4074% | 2,475 |
| Credit loss provision to net charge-offs | 130.0371% | 3,086 |
| Earnings coverage of net charge-offs (x) | 4.4053% | 2,894 |
| Efficiency ratio | 50.4323% | 7,556 |
| Assets per employee ($millions) | 11.0924% | 203 |
| Cash dividends to net income (ytd only)* | 247.5860% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 3,721 |
| Loan loss allowance to noncurrent loans | 414.0629% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 6,681 |
| Noncurrent loans to loans | 0.3291% | 6,607 |
| Net loans and leases to total assets | 81.4206% | 1,116 |
| Net loans and leases to deposits | 142.4331% | 80 |
| Net loans and leases to core deposits | 189.8820% | 181 |
| Total domestic deposits to total assets | 57.1641% | 8,023 |
| Equity capital to assets | 16.6125% | 781 |
| Core capital (leverage) ratio | 16.1530% | 760 |
| Tier 1 risk-based capital ratio | 19.4361% | 1,731 |
| Total risk-based capital ratio | 20.6875% | 1,677 |
| Memoranda: | ||
| Average total assets | $2,564,672,500 | 305 |
| Average earning assets | $2,463,610,500 | 289 |
| Average equity | $430,231,500 | 211 |
| Average total loans | $2,114,901,000 | 268 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1130% | 4,972 |
| Cost of funding earning assets | 2.9366% | 2,115 |
| Net interest margin | 3.1764% | 6,443 |
| Noninterest income to average assets | 0.0843% | 7,719 |
| Noninterest expense to average assets | 1.6954% | 7,875 |
| Loan and lease loss provision to assets | 0.4616% | 2,988 |
| Net operating income to assets | 0.5930% | 4,329 |
| Return on assets (ROA) | 0.5930% | 4,197 |
| Pretax return on assets | 0.9761% | 3,465 |
| Return on Equity (ROE) | 3.3454% | 5,100 |
| Retained earnings to average equity (ytd only) | -0.1144% | 5,307 |
| Net charge-offs to loans | 0.3880% | 2,882 |
| Credit loss provision to net charge-offs | 145.8210% | 3,618 |
| Earnings coverage of net charge-offs (x) | 4.5419% | 3,941 |
| Efficiency ratio | 51.8272% | 7,506 |
| Assets per employee ($millions) | 11.0168% | 205 |
| Cash dividends to net income (ytd only)* | 103.4200% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 3,510 |
| Loan loss allowance to noncurrent loans | 467.0078% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 6,609 |
| Noncurrent loans to loans | 0.2878% | 6,515 |
| Net loans and leases to total assets | 81.2727% | 1,369 |
| Net loans and leases to deposits | 152.4769% | 78 |
| Net loans and leases to core deposits | 200.2112% | 172 |
| Total domestic deposits to total assets | 53.3016% | 8,095 |
| Equity capital to assets | 16.9393% | 789 |
| Core capital (leverage) ratio | 16.4668% | 764 |
| Tier 1 risk-based capital ratio | 19.9110% | 1,632 |
| Total risk-based capital ratio | 21.1622% | 1,594 |
| Memoranda: | ||
| Average total assets | $2,445,600,800 | 307 |
| Average earning assets | $2,347,318,400 | 288 |
| Average equity | $433,514,400 | 209 |
| Average total loans | $1,995,351,200 | 274 |