Home > Burke & Herbert Bank & Trust Company > Performance and Condition Ratios
Burke & Herbert Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 3,186 |
| Cost of funding earning assets | 1.6025% | 1,682 |
| Net interest margin | 2.8487% | 3,571 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.2074% | 3,105 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7835% | 2,924 |
| Return on assets (ROA) | 0.7808% | 2,913 |
| Pretax return on assets | 0.8867% | 2,998 |
| Return on Equity (ROE) | 9.8500% | 2,542 |
| Retained earnings to average equity (ytd only) | 3.1945% | 3,216 |
| Net charge-offs to loans | 0.0049% | 2,539 |
| Credit loss provision to net charge-offs | 239.7959% | 1,103 |
| Earnings coverage of net charge-offs (x) | 329.2347% | 406 |
| Efficiency ratio | 71.1345% | 1,744 |
| Assets per employee ($millions) | 9.0423% | 970 |
| Cash dividends to net income (ytd only)* | 67.5733% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,231 |
| Loan loss allowance to noncurrent loans | 675.7746% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 2,838 |
| Noncurrent loans to loans | 0.1792% | 2,620 |
| Net loans and leases to total assets | 57.0600% | 3,116 |
| Net loans and leases to deposits | 68.7488% | 2,975 |
| Net loans and leases to core deposits | 81.8753% | 2,592 |
| Total domestic deposits to total assets | 83.0000% | 2,892 |
| Equity capital to assets | 8.6638% | 2,921 |
| Core capital (leverage) ratio | 11.2675% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8238% | 958 |
| Memoranda: | ||
| Average total assets | $3,602,021,000 | 349 |
| Average earning assets | $3,316,438,200 | 338 |
| Average equity | $285,491,400 | 416 |
| Average total loans | $2,000,724,800 | 404 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 3,098 |
| Cost of funding earning assets | 1.5009% | 1,602 |
| Net interest margin | 2.9019% | 3,539 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.2004% | 3,075 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7952% | 3,034 |
| Return on assets (ROA) | 0.7915% | 3,048 |
| Pretax return on assets | 0.8977% | 3,105 |
| Return on Equity (ROE) | 10.2300% | 2,576 |
| Retained earnings to average equity (ytd only) | 3.6113% | 3,353 |
| Net charge-offs to loans | 0.0058% | 2,243 |
| Credit loss provision to net charge-offs | 1,201.1628% | 361 |
| Earnings coverage of net charge-offs (x) | 294.2326% | 455 |
| Efficiency ratio | 70.1209% | 1,771 |
| Assets per employee ($millions) | 8.8810% | 969 |
| Cash dividends to net income (ytd only)* | 64.6850% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,057 |
| Loan loss allowance to noncurrent loans | 914.2507% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,061 |
| Noncurrent loans to loans | 0.1377% | 2,867 |
| Net loans and leases to total assets | 57.0700% | 3,108 |
| Net loans and leases to deposits | 68.4875% | 2,945 |
| Net loans and leases to core deposits | 80.7659% | 2,543 |
| Total domestic deposits to total assets | 83.3200% | 2,959 |
| Equity capital to assets | 7.5008% | 3,350 |
| Core capital (leverage) ratio | 11.2682% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3931% | 1,041 |
| Memoranda: | ||
| Average total assets | $3,598,293,000 | 354 |
| Average earning assets | $3,310,558,250 | 342 |
| Average equity | $278,523,000 | 419 |
| Average total loans | $1,978,592,750 | 405 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 3,023 |
| Cost of funding earning assets | 1.3801% | 1,503 |
| Net interest margin | 2.9586% | 3,547 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.1979% | 3,083 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8532% | 2,914 |
| Return on assets (ROA) | 0.8477% | 2,937 |
| Pretax return on assets | 0.9490% | 3,051 |
| Return on Equity (ROE) | 10.8400% | 2,469 |
| Retained earnings to average equity (ytd only) | 3.8238% | 3,245 |
| Net charge-offs to loans | 0.0080% | 1,916 |
| Credit loss provision to net charge-offs | 1,067.9487% | 393 |
| Earnings coverage of net charge-offs (x) | 229.8846% | 539 |
| Efficiency ratio | 68.8227% | 1,883 |
| Assets per employee ($millions) | 8.7717% | 977 |
| Cash dividends to net income (ytd only)* | 64.7255% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 1,949 |
| Loan loss allowance to noncurrent loans | 886.7260% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 2,963 |
| Noncurrent loans to loans | 0.1460% | 2,733 |
| Net loans and leases to total assets | 55.3300% | 3,164 |
| Net loans and leases to deposits | 65.6475% | 3,079 |
| Net loans and leases to core deposits | 76.8513% | 2,700 |
| Total domestic deposits to total assets | 84.2900% | 2,753 |
| Equity capital to assets | 8.0375% | 3,184 |
| Core capital (leverage) ratio | 11.1077% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5684% | 873 |
| Memoranda: | ||
| Average total assets | $3,601,751,333 | 340 |
| Average earning assets | $3,316,012,000 | 330 |
| Average equity | $281,656,333 | 407 |
| Average total loans | $1,946,914,667 | 395 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 3,160 |
| Cost of funding earning assets | 1.1483% | 1,605 |
| Net interest margin | 2.9925% | 3,620 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.1461% | 3,260 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9156% | 2,807 |
| Return on assets (ROA) | 0.9156% | 2,761 |
| Pretax return on assets | 1.0024% | 2,985 |
| Return on Equity (ROE) | 11.8700% | 2,249 |
| Retained earnings to average equity (ytd only) | 3.3518% | 3,423 |
| Net charge-offs to loans | -0.0035% | 3,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.9507% | 2,096 |
| Assets per employee ($millions) | 8.9339% | 959 |
| Cash dividends to net income (ytd only)* | 71.7667% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 1,962 |
| Loan loss allowance to noncurrent loans | 791.8669% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 2,928 |
| Noncurrent loans to loans | 0.1663% | 2,663 |
| Net loans and leases to total assets | 52.4600% | 3,318 |
| Net loans and leases to deposits | 63.4435% | 3,133 |
| Net loans and leases to core deposits | 73.8020% | 2,690 |
| Total domestic deposits to total assets | 82.6900% | 3,355 |
| Equity capital to assets | 7.7962% | 3,385 |
| Core capital (leverage) ratio | 11.0897% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4968% | 910 |
| Memoranda: | ||
| Average total assets | $3,617,577,000 | 352 |
| Average earning assets | $3,328,680,000 | 341 |
| Average equity | $279,011,500 | 417 |
| Average total loans | $1,919,659,500 | 411 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4275% | 3,275 |
| Cost of funding earning assets | 0.2715% | 3,141 |
| Net interest margin | 3.1559% | 3,003 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.2315% | 2,940 |
| Loan and lease loss provision to assets | -0.2100% | 4,637 |
| Net operating income to assets | 1.2674% | 1,539 |
| Return on assets (ROA) | 1.2567% | 1,528 |
| Pretax return on assets | 1.4950% | 1,472 |
| Return on Equity (ROE) | 14.5600% | 1,379 |
| Retained earnings to average equity (ytd only) | 8.7907% | 1,538 |
| Net charge-offs to loans | 0.1801% | 460 |
| Credit loss provision to net charge-offs | -233.0212% | 4,609 |
| Earnings coverage of net charge-offs (x) | 14.4448% | 2,030 |
| Efficiency ratio | 63.2191% | 2,599 |
| Assets per employee ($millions) | 8.6488% | 1,038 |
| Cash dividends to net income (ytd only)* | 39.6044% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 2,825 |
| Loan loss allowance to noncurrent loans | 382.7360% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 2,453 |
| Noncurrent loans to loans | 0.2913% | 2,099 |
| Net loans and leases to total assets | 52.3700% | 3,333 |
| Net loans and leases to deposits | 63.8579% | 3,056 |
| Net loans and leases to core deposits | 66.9048% | 3,072 |
| Total domestic deposits to total assets | 82.0100% | 3,629 |
| Equity capital to assets | 7.6265% | 3,311 |
| Core capital (leverage) ratio | 11.2977% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8055% | 859 |
| Memoranda: | ||
| Average total assets | $3,564,751,200 | 336 |
| Average earning assets | $3,295,655,600 | 328 |
| Average equity | $307,780,600 | 382 |
| Average total loans | $1,778,837,200 | 413 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2424% | 3,326 |
| Cost of funding earning assets | 0.1729% | 3,593 |
| Net interest margin | 3.0695% | 3,019 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.2261% | 2,858 |
| Loan and lease loss provision to assets | -0.2800% | 4,703 |
| Net operating income to assets | 1.1447% | 1,913 |
| Return on assets (ROA) | 1.1466% | 1,878 |
| Pretax return on assets | 1.3738% | 1,796 |
| Return on Equity (ROE) | 12.9000% | 1,733 |
| Retained earnings to average equity (ytd only) | 7.9357% | 2,024 |
| Net charge-offs to loans | 0.2430% | 282 |
| Credit loss provision to net charge-offs | -236.9674% | 4,669 |
| Earnings coverage of net charge-offs (x) | 9.1184% | 2,032 |
| Efficiency ratio | 67.1601% | 2,138 |
| Assets per employee ($millions) | 8.8190% | 963 |
| Cash dividends to net income (ytd only)* | 38.5029% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 2,550 |
| Loan loss allowance to noncurrent loans | 374.2944% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 2,498 |
| Noncurrent loans to loans | 0.3196% | 2,096 |
| Net loans and leases to total assets | 49.4400% | 3,501 |
| Net loans and leases to deposits | 58.1287% | 3,332 |
| Net loans and leases to core deposits | 61.0235% | 3,303 |
| Total domestic deposits to total assets | 85.0500% | 3,272 |
| Equity capital to assets | 7.2968% | 3,339 |
| Core capital (leverage) ratio | 11.0281% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1790% | 836 |
| Memoranda: | ||
| Average total assets | $3,565,112,250 | 339 |
| Average earning assets | $3,301,617,000 | 330 |
| Average equity | $316,786,500 | 378 |
| Average total loans | $1,751,741,250 | 415 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0572% | 3,413 |
| Cost of funding earning assets | 0.1018% | 4,172 |
| Net interest margin | 2.9554% | 3,020 |
| Noninterest income to average assets | 0.4694% | 2,354 |
| Noninterest expense to average assets | 2.2077% | 2,826 |
| Loan and lease loss provision to assets | -0.2886% | 4,718 |
| Net operating income to assets | 1.0838% | 1,837 |
| Return on assets (ROA) | 1.0887% | 1,799 |
| Pretax return on assets | 1.3025% | 1,742 |
| Return on Equity (ROE) | 11.5786% | 1,803 |
| Retained earnings to average equity (ytd only) | 6.9111% | 2,016 |
| Net charge-offs to loans | 0.3620% | 191 |
| Credit loss provision to net charge-offs | -163.2293% | 3,181 |
| Earnings coverage of net charge-offs (x) | 5.7004% | 1,923 |
| Efficiency ratio | 68.6534% | 2,150 |
| Assets per employee ($millions) | 8.9870% | 892 |
| Cash dividends to net income (ytd only)* | 40.3114% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,020 |
| Loan loss allowance to noncurrent loans | 385.2573% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 2,515 |
| Noncurrent loans to loans | 0.3468% | 2,108 |
| Net loans and leases to total assets | 48.1102% | 3,543 |
| Net loans and leases to deposits | 58.2736% | 3,200 |
| Net loans and leases to core deposits | 59.2018% | 3,330 |
| Total domestic deposits to total assets | 82.5591% | 3,936 |
| Equity capital to assets | 8.1191% | 3,028 |
| Core capital (leverage) ratio | 10.9366% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1637% | 830 |
| Memoranda: | ||
| Average total assets | $3,586,434,667 | 333 |
| Average earning assets | $3,332,770,333 | 328 |
| Average equity | $337,225,000 | 360 |
| Average total loans | $1,751,712,667 | 409 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9132% | 3,498 |
| Cost of funding earning assets | 0.0937% | 4,215 |
| Net interest margin | 2.8195% | 3,081 |
| Noninterest income to average assets | 0.4420% | 2,435 |
| Noninterest expense to average assets | 2.1414% | 3,006 |
| Loan and lease loss provision to assets | -0.2942% | 4,726 |
| Net operating income to assets | 1.0081% | 1,847 |
| Return on assets (ROA) | 1.0177% | 1,793 |
| Pretax return on assets | 1.2333% | 1,698 |
| Return on Equity (ROE) | 10.1324% | 1,917 |
| Retained earnings to average equity (ytd only) | 5.7635% | 2,329 |
| Net charge-offs to loans | 0.0023% | 1,732 |
| Credit loss provision to net charge-offs | -26,380.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | 831.7000% | 113 |
| Efficiency ratio | 69.7772% | 2,261 |
| Assets per employee ($millions) | 9.0606% | 890 |
| Cash dividends to net income (ytd only)* | 43.1186% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 1,153 |
| Loan loss allowance to noncurrent loans | 113.8085% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 782 |
| Noncurrent loans to loans | 1.4506% | 576 |
| Net loans and leases to total assets | 48.7436% | 3,306 |
| Net loans and leases to deposits | 58.2202% | 3,056 |
| Net loans and leases to core deposits | 59.1651% | 3,221 |
| Total domestic deposits to total assets | 83.7229% | 3,820 |
| Equity capital to assets | 9.3168% | 2,428 |
| Core capital (leverage) ratio | 10.8774% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7218% | 938 |
| Memoranda: | ||
| Average total assets | $3,586,741,000 | 336 |
| Average earning assets | $3,341,856,500 | 331 |
| Average equity | $360,268,500 | 352 |
| Average total loans | $1,753,315,000 | 410 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0832% | 3,716 |
| Cost of funding earning assets | 0.1286% | 4,162 |
| Net interest margin | 2.9546% | 3,306 |
| Noninterest income to average assets | 0.5089% | 2,521 |
| Noninterest expense to average assets | 2.1386% | 3,276 |
| Loan and lease loss provision to assets | -0.0284% | 4,267 |
| Net operating income to assets | 1.0234% | 2,581 |
| Return on assets (ROA) | 1.0233% | 2,655 |
| Pretax return on assets | 1.1443% | 2,835 |
| Return on Equity (ROE) | 9.3733% | 2,769 |
| Retained earnings to average equity (ytd only) | 5.5190% | 2,557 |
| Net charge-offs to loans | -0.0008% | 3,262 |
| Credit loss provision to net charge-offs | 7,157.1429% | 101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7092% | 2,302 |
| Assets per employee ($millions) | 9.1228% | 880 |
| Cash dividends to net income (ytd only)* | 41.1199% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 836 |
| Loan loss allowance to noncurrent loans | 120.7456% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7251% | 864 |
| Noncurrent loans to loans | 1.5038% | 603 |
| Net loans and leases to total assets | 47.3422% | 3,562 |
| Net loans and leases to deposits | 58.4510% | 3,210 |
| Net loans and leases to core deposits | 59.4988% | 3,354 |
| Total domestic deposits to total assets | 80.9946% | 4,107 |
| Equity capital to assets | 10.7580% | 1,965 |
| Core capital (leverage) ratio | 10.8104% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8416% | 918 |
| Memoranda: | ||
| Average total assets | $3,534,242,400 | 330 |
| Average earning assets | $3,284,435,200 | 326 |
| Average equity | $385,829,600 | 327 |
| Average total loans | $1,782,871,800 | 396 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1205% | 3,769 |
| Cost of funding earning assets | 0.1385% | 4,204 |
| Net interest margin | 2.9820% | 3,350 |
| Noninterest income to average assets | 0.5219% | 2,532 |
| Noninterest expense to average assets | 2.0954% | 3,379 |
| Loan and lease loss provision to assets | 0.0298% | 2,399 |
| Net operating income to assets | 1.0449% | 2,747 |
| Return on assets (ROA) | 1.0447% | 2,813 |
| Pretax return on assets | 1.1638% | 3,036 |
| Return on Equity (ROE) | 9.5342% | 2,915 |
| Retained earnings to average equity (ytd only) | 5.6740% | 2,967 |
| Net charge-offs to loans | -0.0058% | 3,481 |
| Credit loss provision to net charge-offs | -1,007.6923% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7056% | 2,433 |
| Assets per employee ($millions) | 8.9808% | 898 |
| Cash dividends to net income (ytd only)* | 40.4876% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9741% | 666 |
| Loan loss allowance to noncurrent loans | 126.3925% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 976 |
| Noncurrent loans to loans | 1.5619% | 663 |
| Net loans and leases to total assets | 46.8581% | 3,727 |
| Net loans and leases to deposits | 57.2112% | 3,470 |
| Net loans and leases to core deposits | 58.2998% | 3,601 |
| Total domestic deposits to total assets | 81.9038% | 3,945 |
| Equity capital to assets | 10.9122% | 2,081 |
| Core capital (leverage) ratio | 10.6084% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2629% | 916 |
| Memoranda: | ||
| Average total assets | $3,512,367,250 | 334 |
| Average earning assets | $3,259,351,250 | 329 |
| Average equity | $384,880,250 | 329 |
| Average total loans | $1,792,009,250 | 399 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1317% | 3,802 |
| Cost of funding earning assets | 0.1468% | 4,230 |
| Net interest margin | 2.9849% | 3,364 |
| Noninterest income to average assets | 0.5441% | 2,430 |
| Noninterest expense to average assets | 2.1041% | 3,375 |
| Loan and lease loss provision to assets | 0.0443% | 2,131 |
| Net operating income to assets | 1.0462% | 2,734 |
| Return on assets (ROA) | 1.0459% | 2,812 |
| Pretax return on assets | 1.1633% | 3,017 |
| Return on Equity (ROE) | 9.5317% | 2,936 |
| Retained earnings to average equity (ytd only) | 5.6590% | 2,939 |
| Net charge-offs to loans | -0.0179% | 3,941 |
| Credit loss provision to net charge-offs | -474.8466% | 3,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5318% | 2,493 |
| Assets per employee ($millions) | 8.9768% | 867 |
| Cash dividends to net income (ytd only)* | 40.6298% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 760 |
| Loan loss allowance to noncurrent loans | 121.8094% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 1,052 |
| Noncurrent loans to loans | 1.5450% | 727 |
| Net loans and leases to total assets | 49.3288% | 3,624 |
| Net loans and leases to deposits | 60.3459% | 3,367 |
| Net loans and leases to core deposits | 61.6270% | 3,498 |
| Total domestic deposits to total assets | 81.7435% | 3,969 |
| Equity capital to assets | 10.9861% | 1,986 |
| Core capital (leverage) ratio | 10.6462% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8712% | 984 |
| Memoranda: | ||
| Average total assets | $3,497,686,333 | 333 |
| Average earning assets | $3,243,140,667 | 329 |
| Average equity | $383,813,333 | 325 |
| Average total loans | $1,822,669,667 | 394 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1517% | 3,778 |
| Cost of funding earning assets | 0.1573% | 4,254 |
| Net interest margin | 2.9943% | 3,271 |
| Noninterest income to average assets | 0.4542% | 2,818 |
| Noninterest expense to average assets | 2.0307% | 3,625 |
| Loan and lease loss provision to assets | 0.0590% | 1,947 |
| Net operating income to assets | 1.0281% | 2,718 |
| Return on assets (ROA) | 1.0277% | 2,798 |
| Pretax return on assets | 1.1376% | 3,021 |
| Return on Equity (ROE) | 9.3709% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.4577% | 3,079 |
| Net charge-offs to loans | -0.0356% | 4,252 |
| Credit loss provision to net charge-offs | -312.1951% | 3,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9135% | 2,619 |
| Assets per employee ($millions) | 8.6981% | 911 |
| Cash dividends to net income (ytd only)* | 41.7592% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8149% | 850 |
| Loan loss allowance to noncurrent loans | 120.4410% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 1,137 |
| Noncurrent loans to loans | 1.5069% | 831 |
| Net loans and leases to total assets | 51.5063% | 3,492 |
| Net loans and leases to deposits | 62.8619% | 3,235 |
| Net loans and leases to core deposits | 64.2193% | 3,393 |
| Total domestic deposits to total assets | 81.9355% | 3,906 |
| Equity capital to assets | 10.7273% | 2,056 |
| Core capital (leverage) ratio | 10.7854% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4511% | 1,003 |
| Memoranda: | ||
| Average total assets | $3,469,128,000 | 334 |
| Average earning assets | $3,213,390,500 | 331 |
| Average equity | $380,453,500 | 327 |
| Average total loans | $1,840,416,000 | 390 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4216% | 4,168 |
| Cost of funding earning assets | 0.3804% | 3,704 |
| Net interest margin | 3.0412% | 3,782 |
| Noninterest income to average assets | 0.5148% | 2,568 |
| Noninterest expense to average assets | 2.1006% | 3,937 |
| Loan and lease loss provision to assets | 0.3924% | 810 |
| Net operating income to assets | 0.7661% | 3,216 |
| Return on assets (ROA) | 0.8222% | 3,132 |
| Pretax return on assets | 0.8823% | 3,416 |
| Return on Equity (ROE) | 7.2100% | 3,118 |
| Retained earnings to average equity (ytd only) | 3.1543% | 3,258 |
| Net charge-offs to loans | 0.2171% | 804 |
| Credit loss provision to net charge-offs | 304.6243% | 1,713 |
| Earnings coverage of net charge-offs (x) | 9.4275% | 2,524 |
| Efficiency ratio | 63.3657% | 2,918 |
| Assets per employee ($millions) | 8.3934% | 913 |
| Cash dividends to net income (ytd only)* | 56.2512% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7751% | 895 |
| Loan loss allowance to noncurrent loans | 381.0395% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 3,038 |
| Noncurrent loans to loans | 0.4659% | 2,570 |
| Net loans and leases to total assets | 52.7042% | 3,614 |
| Net loans and leases to deposits | 64.8619% | 3,372 |
| Net loans and leases to core deposits | 66.4414% | 3,506 |
| Total domestic deposits to total assets | 81.2560% | 3,821 |
| Equity capital to assets | 11.2114% | 2,090 |
| Core capital (leverage) ratio | 10.7537% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4744% | 1,160 |
| Memoranda: | ||
| Average total assets | $3,223,111,600 | 325 |
| Average earning assets | $2,967,760,400 | 319 |
| Average equity | $367,532,200 | 314 |
| Average total loans | $1,912,677,400 | 364 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 4,184 |
| Cost of funding earning assets | 0.4314% | 3,634 |
| Net interest margin | 3.0831% | 3,774 |
| Noninterest income to average assets | 0.4814% | 2,691 |
| Noninterest expense to average assets | 2.0989% | 3,949 |
| Loan and lease loss provision to assets | 0.5314% | 529 |
| Net operating income to assets | 0.6548% | 3,611 |
| Return on assets (ROA) | 0.7328% | 3,443 |
| Pretax return on assets | 0.7685% | 3,733 |
| Return on Equity (ROE) | 6.3975% | 3,410 |
| Retained earnings to average equity (ytd only) | 2.2926% | 3,828 |
| Net charge-offs to loans | 0.2866% | 552 |
| Credit loss provision to net charge-offs | 304.5553% | 1,746 |
| Earnings coverage of net charge-offs (x) | 6.9795% | 2,611 |
| Efficiency ratio | 63.2844% | 2,866 |
| Assets per employee ($millions) | 8.1671% | 942 |
| Cash dividends to net income (ytd only)* | 64.1648% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 967 |
| Loan loss allowance to noncurrent loans | 382.4052% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 3,158 |
| Noncurrent loans to loans | 0.4340% | 2,755 |
| Net loans and leases to total assets | 57.6971% | 3,446 |
| Net loans and leases to deposits | 71.0840% | 3,207 |
| Net loans and leases to core deposits | 73.1316% | 3,388 |
| Total domestic deposits to total assets | 81.1675% | 3,618 |
| Equity capital to assets | 11.1497% | 2,282 |
| Core capital (leverage) ratio | 10.7980% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6626% | 1,333 |
| Memoranda: | ||
| Average total assets | $3,170,662,000 | 321 |
| Average earning assets | $2,915,760,250 | 317 |
| Average equity | $363,196,000 | 313 |
| Average total loans | $1,930,350,250 | 360 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 4,287 |
| Cost of funding earning assets | 0.4911% | 3,590 |
| Net interest margin | 3.0934% | 3,910 |
| Noninterest income to average assets | 0.4743% | 2,690 |
| Noninterest expense to average assets | 2.0688% | 4,104 |
| Loan and lease loss provision to assets | 0.5854% | 552 |
| Net operating income to assets | 0.6263% | 3,652 |
| Return on assets (ROA) | 0.7450% | 3,343 |
| Pretax return on assets | 0.7849% | 3,633 |
| Return on Equity (ROE) | 6.4421% | 3,348 |
| Retained earnings to average equity (ytd only) | 2.2931% | 3,642 |
| Net charge-offs to loans | 0.4396% | 361 |
| Credit loss provision to net charge-offs | 215.9231% | 1,853 |
| Earnings coverage of net charge-offs (x) | 4.5933% | 2,586 |
| Efficiency ratio | 62.4243% | 3,058 |
| Assets per employee ($millions) | 8.1959% | 903 |
| Cash dividends to net income (ytd only)* | 64.4041% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,350 |
| Loan loss allowance to noncurrent loans | 417.1232% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 3,492 |
| Noncurrent loans to loans | 0.3528% | 3,137 |
| Net loans and leases to total assets | 58.3789% | 3,482 |
| Net loans and leases to deposits | 71.9688% | 3,262 |
| Net loans and leases to core deposits | 74.1721% | 3,448 |
| Total domestic deposits to total assets | 81.1170% | 3,574 |
| Equity capital to assets | 11.0537% | 2,295 |
| Core capital (leverage) ratio | 11.0198% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8088% | 1,298 |
| Memoranda: | ||
| Average total assets | $3,108,656,333 | 324 |
| Average earning assets | $2,853,797,333 | 319 |
| Average equity | $359,508,667 | 317 |
| Average total loans | $1,917,335,667 | 358 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7595% | 4,283 |
| Cost of funding earning assets | 0.6077% | 3,395 |
| Net interest margin | 3.1519% | 3,977 |
| Noninterest income to average assets | 0.5170% | 2,463 |
| Noninterest expense to average assets | 2.3703% | 3,604 |
| Loan and lease loss provision to assets | 0.2787% | 1,116 |
| Net operating income to assets | 0.6855% | 3,319 |
| Return on assets (ROA) | 0.9216% | 2,559 |
| Pretax return on assets | 1.0134% | 2,805 |
| Return on Equity (ROE) | 7.7779% | 2,602 |
| Retained earnings to average equity (ytd only) | 3.5706% | 2,862 |
| Net charge-offs to loans | 1.2427% | 122 |
| Credit loss provision to net charge-offs | 35.5840% | 2,120 |
| Earnings coverage of net charge-offs (x) | 1.3183% | 2,400 |
| Efficiency ratio | 69.6546% | 2,404 |
| Assets per employee ($millions) | 7.1168% | 1,040 |
| Cash dividends to net income (ytd only)* | 54.0936% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 3,307 |
| Loan loss allowance to noncurrent loans | 325.3106% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 3,678 |
| Noncurrent loans to loans | 0.3321% | 3,302 |
| Net loans and leases to total assets | 59.8529% | 3,510 |
| Net loans and leases to deposits | 74.6936% | 3,201 |
| Net loans and leases to core deposits | 77.2366% | 3,406 |
| Total domestic deposits to total assets | 80.1313% | 3,834 |
| Equity capital to assets | 11.4035% | 2,523 |
| Core capital (leverage) ratio | 11.9402% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2934% | 1,283 |
| Memoranda: | ||
| Average total assets | $2,995,115,000 | 324 |
| Average earning assets | $2,742,349,500 | 320 |
| Average equity | $354,901,500 | 318 |
| Average total loans | $1,887,776,000 | 353 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 4,041 |
| Cost of funding earning assets | 0.7948% | 2,711 |
| Net interest margin | 3.3041% | 3,981 |
| Noninterest income to average assets | 0.5101% | 2,676 |
| Noninterest expense to average assets | 2.8671% | 2,386 |
| Loan and lease loss provision to assets | 0.2119% | 945 |
| Net operating income to assets | 0.4679% | 4,473 |
| Return on assets (ROA) | 0.5762% | 4,284 |
| Pretax return on assets | 0.5675% | 4,467 |
| Return on Equity (ROE) | 4.7911% | 4,271 |
| Retained earnings to average equity (ytd only) | 0.5610% | 4,531 |
| Net charge-offs to loans | -0.0340% | 4,738 |
| Credit loss provision to net charge-offs | -980.0628% | 4,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0327% | 863 |
| Assets per employee ($millions) | 6.2988% | 1,419 |
| Cash dividends to net income (ytd only)* | 88.2907% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,011 |
| Loan loss allowance to noncurrent loans | 215.1391% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 2,833 |
| Noncurrent loans to loans | 0.5967% | 2,395 |
| Net loans and leases to total assets | 64.9332% | 3,081 |
| Net loans and leases to deposits | 77.6730% | 3,039 |
| Net loans and leases to core deposits | 80.5579% | 3,248 |
| Total domestic deposits to total assets | 83.5982% | 2,996 |
| Equity capital to assets | 12.3354% | 1,932 |
| Core capital (leverage) ratio | 12.2829% | 1,607 |
| Tier 1 risk-based capital ratio | 16.4682% | 2,226 |
| Total risk-based capital ratio | 17.6001% | 2,218 |
| Memoranda: | ||
| Average total assets | $2,946,525,200 | 315 |
| Average earning assets | $2,700,337,600 | 315 |
| Average equity | $354,365,600 | 307 |
| Average total loans | $1,872,775,800 | 342 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 4,111 |
| Cost of funding earning assets | 0.8252% | 2,592 |
| Net interest margin | 3.2937% | 4,097 |
| Noninterest income to average assets | 0.4944% | 2,768 |
| Noninterest expense to average assets | 2.6754% | 2,929 |
| Loan and lease loss provision to assets | 0.0320% | 3,268 |
| Net operating income to assets | 0.7001% | 4,015 |
| Return on assets (ROA) | 0.8249% | 3,675 |
| Pretax return on assets | 0.9517% | 3,731 |
| Return on Equity (ROE) | 6.9020% | 3,720 |
| Retained earnings to average equity (ytd only) | 2.6721% | 4,021 |
| Net charge-offs to loans | -0.0117% | 4,426 |
| Credit loss provision to net charge-offs | -433.5366% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1007% | 1,320 |
| Assets per employee ($millions) | 6.1774% | 1,472 |
| Cash dividends to net income (ytd only)* | 61.2858% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,764 |
| Loan loss allowance to noncurrent loans | 199.1681% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,248 |
| Noncurrent loans to loans | 0.4842% | 2,848 |
| Net loans and leases to total assets | 64.0864% | 3,279 |
| Net loans and leases to deposits | 77.3560% | 3,164 |
| Net loans and leases to core deposits | 80.4009% | 3,360 |
| Total domestic deposits to total assets | 82.8461% | 3,214 |
| Equity capital to assets | 12.3678% | 1,996 |
| Core capital (leverage) ratio | 12.2658% | 1,700 |
| Tier 1 risk-based capital ratio | 16.5441% | 2,252 |
| Total risk-based capital ratio | 17.3863% | 2,316 |
| Memoranda: | ||
| Average total assets | $2,966,663,000 | 320 |
| Average earning assets | $2,721,258,000 | 316 |
| Average equity | $354,575,000 | 313 |
| Average total loans | $1,869,677,000 | 345 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 4,115 |
| Cost of funding earning assets | 0.8137% | 2,580 |
| Net interest margin | 3.3056% | 4,129 |
| Noninterest income to average assets | 0.4794% | 2,786 |
| Noninterest expense to average assets | 2.6238% | 3,136 |
| Loan and lease loss provision to assets | 0.0318% | 3,194 |
| Net operating income to assets | 0.7520% | 3,822 |
| Return on assets (ROA) | 0.9285% | 3,236 |
| Pretax return on assets | 1.0570% | 3,362 |
| Return on Equity (ROE) | 7.8579% | 3,349 |
| Retained earnings to average equity (ytd only) | 3.6011% | 3,450 |
| Net charge-offs to loans | -0.0191% | 4,529 |
| Credit loss provision to net charge-offs | -266.2921% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7089% | 1,557 |
| Assets per employee ($millions) | 6.0631% | 1,498 |
| Cash dividends to net income (ytd only)* | 54.1727% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 3,846 |
| Loan loss allowance to noncurrent loans | 185.4416% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 3,169 |
| Noncurrent loans to loans | 0.5162% | 2,733 |
| Net loans and leases to total assets | 63.2362% | 3,426 |
| Net loans and leases to deposits | 77.5411% | 3,187 |
| Net loans and leases to core deposits | 80.4926% | 3,386 |
| Total domestic deposits to total assets | 81.5519% | 3,649 |
| Equity capital to assets | 12.2117% | 2,047 |
| Core capital (leverage) ratio | 12.0413% | 1,801 |
| Tier 1 risk-based capital ratio | 16.4439% | 2,263 |
| Total risk-based capital ratio | 17.2715% | 2,347 |
| Memoranda: | ||
| Average total assets | $2,983,636,330 | 322 |
| Average earning assets | $2,737,289,000 | 315 |
| Average equity | $352,562,000 | 316 |
| Average total loans | $1,863,972,330 | 346 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 4,040 |
| Cost of funding earning assets | 0.7560% | 2,762 |
| Net interest margin | 3.3807% | 3,934 |
| Noninterest income to average assets | 0.4595% | 2,799 |
| Noninterest expense to average assets | 2.5301% | 3,419 |
| Loan and lease loss provision to assets | 0.0315% | 2,992 |
| Net operating income to assets | 0.8948% | 3,252 |
| Return on assets (ROA) | 1.1234% | 2,424 |
| Pretax return on assets | 1.2586% | 2,594 |
| Return on Equity (ROE) | 9.6653% | 2,514 |
| Retained earnings to average equity (ytd only) | 5.3628% | 2,757 |
| Net charge-offs to loans | 0.0022% | 2,684 |
| Credit loss provision to net charge-offs | 2,370.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 776.3000% | 87 |
| Efficiency ratio | 71.0022% | 2,187 |
| Assets per employee ($millions) | 6.3500% | 1,317 |
| Cash dividends to net income (ytd only)* | 44.5142% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 3,990 |
| Loan loss allowance to noncurrent loans | 130.9064% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 2,766 |
| Noncurrent loans to loans | 0.7201% | 2,221 |
| Net loans and leases to total assets | 61.3934% | 3,560 |
| Net loans and leases to deposits | 77.5995% | 3,103 |
| Net loans and leases to core deposits | 80.0946% | 3,366 |
| Total domestic deposits to total assets | 79.1157% | 4,332 |
| Equity capital to assets | 11.7434% | 2,190 |
| Core capital (leverage) ratio | 11.9734% | 1,791 |
| Tier 1 risk-based capital ratio | 16.3492% | 2,317 |
| Total risk-based capital ratio | 17.1555% | 2,414 |
| Memoranda: | ||
| Average total assets | $3,005,144,500 | 322 |
| Average earning assets | $2,759,101,500 | 319 |
| Average equity | $349,292,500 | 321 |
| Average total loans | $1,857,203,500 | 350 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 4,113 |
| Cost of funding earning assets | 0.5506% | 3,045 |
| Net interest margin | 3.4185% | 3,946 |
| Noninterest income to average assets | 0.5537% | 2,529 |
| Noninterest expense to average assets | 2.4837% | 3,656 |
| Loan and lease loss provision to assets | 0.0377% | 3,451 |
| Net operating income to assets | 1.1165% | 2,529 |
| Return on assets (ROA) | 1.1287% | 2,482 |
| Pretax return on assets | 1.2003% | 2,879 |
| Return on Equity (ROE) | 10.0834% | 2,482 |
| Retained earnings to average equity (ytd only) | 5.6428% | 2,391 |
| Net charge-offs to loans | 0.0035% | 3,606 |
| Credit loss provision to net charge-offs | 1,739.3939% | 246 |
| Earnings coverage of net charge-offs (x) | 565.4394% | 197 |
| Efficiency ratio | 66.9702% | 2,715 |
| Assets per employee ($millions) | 6.3973% | 1,269 |
| Cash dividends to net income (ytd only)* | 44.0386% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 4,022 |
| Loan loss allowance to noncurrent loans | 123.4745% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 2,656 |
| Noncurrent loans to loans | 0.7571% | 2,111 |
| Net loans and leases to total assets | 61.0481% | 3,662 |
| Net loans and leases to deposits | 79.5045% | 3,004 |
| Net loans and leases to core deposits | 81.5668% | 3,294 |
| Total domestic deposits to total assets | 76.7857% | 4,666 |
| Equity capital to assets | 11.5030% | 2,250 |
| Core capital (leverage) ratio | 11.8289% | 1,851 |
| Tier 1 risk-based capital ratio | 15.9973% | 2,405 |
| Total risk-based capital ratio | 16.7818% | 2,526 |
| Memoranda: | ||
| Average total assets | $3,046,563,600 | 316 |
| Average earning assets | $2,811,670,200 | 312 |
| Average equity | $341,037,200 | 321 |
| Average total loans | $1,862,487,600 | 345 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 4,112 |
| Cost of funding earning assets | 0.5124% | 3,114 |
| Net interest margin | 3.4256% | 3,930 |
| Noninterest income to average assets | 0.5104% | 2,803 |
| Noninterest expense to average assets | 2.4558% | 3,713 |
| Loan and lease loss provision to assets | 0.0408% | 3,187 |
| Net operating income to assets | 1.0603% | 2,821 |
| Return on assets (ROA) | 1.0619% | 2,829 |
| Pretax return on assets | 1.1804% | 3,066 |
| Return on Equity (ROE) | 9.5508% | 2,820 |
| Retained earnings to average equity (ytd only) | 5.2346% | 3,096 |
| Net charge-offs to loans | 0.0057% | 3,232 |
| Credit loss provision to net charge-offs | 1,170.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 349.4881% | 269 |
| Efficiency ratio | 66.8178% | 2,749 |
| Assets per employee ($millions) | 6.4594% | 1,205 |
| Cash dividends to net income (ytd only)* | 45.1916% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 4,162 |
| Loan loss allowance to noncurrent loans | 165.8903% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 3,272 |
| Noncurrent loans to loans | 0.5575% | 2,709 |
| Net loans and leases to total assets | 60.3181% | 3,813 |
| Net loans and leases to deposits | 79.8380% | 3,066 |
| Net loans and leases to core deposits | 81.9664% | 3,329 |
| Total domestic deposits to total assets | 75.5506% | 4,831 |
| Equity capital to assets | 11.1053% | 2,566 |
| Core capital (leverage) ratio | 11.5253% | 2,147 |
| Tier 1 risk-based capital ratio | 15.6234% | 2,592 |
| Total risk-based capital ratio | 16.3901% | 2,742 |
| Memoranda: | ||
| Average total assets | $3,056,524,250 | 315 |
| Average earning assets | $2,823,997,750 | 310 |
| Average equity | $339,830,750 | 319 |
| Average total loans | $1,864,892,750 | 343 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 4,135 |
| Cost of funding earning assets | 0.4657% | 3,250 |
| Net interest margin | 3.4105% | 3,919 |
| Noninterest income to average assets | 0.5250% | 2,724 |
| Noninterest expense to average assets | 2.4253% | 3,838 |
| Loan and lease loss provision to assets | 0.0407% | 3,096 |
| Net operating income to assets | 1.0877% | 2,626 |
| Return on assets (ROA) | 1.0877% | 2,636 |
| Pretax return on assets | 1.2127% | 2,898 |
| Return on Equity (ROE) | 9.7792% | 2,671 |
| Retained earnings to average equity (ytd only) | 5.5376% | 2,803 |
| Net charge-offs to loans | 0.0038% | 3,042 |
| Credit loss provision to net charge-offs | 1,733.3333% | 246 |
| Earnings coverage of net charge-offs (x) | 533.3056% | 167 |
| Efficiency ratio | 65.9272% | 2,997 |
| Assets per employee ($millions) | 6.2975% | 1,269 |
| Cash dividends to net income (ytd only)* | 43.3733% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,377 |
| Loan loss allowance to noncurrent loans | 156.0078% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 3,288 |
| Noncurrent loans to loans | 0.5710% | 2,707 |
| Net loans and leases to total assets | 61.1705% | 3,689 |
| Net loans and leases to deposits | 80.3643% | 2,909 |
| Net loans and leases to core deposits | 82.4236% | 3,205 |
| Total domestic deposits to total assets | 76.1165% | 4,844 |
| Equity capital to assets | 11.1218% | 2,526 |
| Core capital (leverage) ratio | 11.5170% | 2,059 |
| Tier 1 risk-based capital ratio | 15.3665% | 2,700 |
| Total risk-based capital ratio | 16.1096% | 2,865 |
| Memoranda: | ||
| Average total assets | $3,063,386,670 | 313 |
| Average earning assets | $2,832,764,670 | 306 |
| Average equity | $340,724,330 | 315 |
| Average total loans | $1,870,419,000 | 341 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 4,140 |
| Cost of funding earning assets | 0.4399% | 3,284 |
| Net interest margin | 3.3877% | 3,922 |
| Noninterest income to average assets | 0.4646% | 3,034 |
| Noninterest expense to average assets | 2.3293% | 4,119 |
| Loan and lease loss provision to assets | 0.0407% | 2,941 |
| Net operating income to assets | 1.0968% | 2,434 |
| Return on assets (ROA) | 1.0968% | 2,445 |
| Pretax return on assets | 1.2283% | 2,648 |
| Return on Equity (ROE) | 9.8612% | 2,504 |
| Retained earnings to average equity (ytd only) | 5.6112% | 2,892 |
| Net charge-offs to loans | -0.0148% | 4,413 |
| Credit loss provision to net charge-offs | -452.1739% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7334% | 3,367 |
| Assets per employee ($millions) | 6.4825% | 1,216 |
| Cash dividends to net income (ytd only)* | 43.0985% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,490 |
| Loan loss allowance to noncurrent loans | 146.0842% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 3,288 |
| Noncurrent loans to loans | 0.6088% | 2,720 |
| Net loans and leases to total assets | 60.9219% | 3,659 |
| Net loans and leases to deposits | 79.2313% | 2,895 |
| Net loans and leases to core deposits | 84.9929% | 2,896 |
| Total domestic deposits to total assets | 76.8912% | 4,869 |
| Equity capital to assets | 11.1160% | 2,463 |
| Core capital (leverage) ratio | 11.1973% | 2,250 |
| Tier 1 risk-based capital ratio | 15.2220% | 2,778 |
| Total risk-based capital ratio | 15.9582% | 2,938 |
| Memoranda: | ||
| Average total assets | $3,064,795,000 | 313 |
| Average earning assets | $2,834,982,000 | 307 |
| Average equity | $340,891,500 | 316 |
| Average total loans | $1,861,132,500 | 342 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,091 |
| Cost of funding earning assets | 0.3584% | 3,631 |
| Net interest margin | 3.4281% | 3,763 |
| Noninterest income to average assets | 0.4705% | 3,187 |
| Noninterest expense to average assets | 2.4244% | 4,004 |
| Loan and lease loss provision to assets | 0.1025% | 2,176 |
| Net operating income to assets | 0.9053% | 2,685 |
| Return on assets (ROA) | 0.9059% | 2,701 |
| Pretax return on assets | 1.1121% | 3,135 |
| Return on Equity (ROE) | 8.1988% | 2,701 |
| Retained earnings to average equity (ytd only) | 3.9782% | 2,808 |
| Net charge-offs to loans | 0.2696% | 970 |
| Credit loss provision to net charge-offs | 65.2021% | 3,162 |
| Earnings coverage of net charge-offs (x) | 7.7212% | 3,005 |
| Efficiency ratio | 66.6380% | 3,143 |
| Assets per employee ($millions) | 6.5590% | 1,174 |
| Cash dividends to net income (ytd only)* | 51.4781% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 4,575 |
| Loan loss allowance to noncurrent loans | 137.4323% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 3,273 |
| Noncurrent loans to loans | 0.6375% | 2,624 |
| Net loans and leases to total assets | 59.4699% | 3,884 |
| Net loans and leases to deposits | 79.9891% | 2,924 |
| Net loans and leases to core deposits | 86.4655% | 2,877 |
| Total domestic deposits to total assets | 74.3475% | 5,151 |
| Equity capital to assets | 11.1295% | 2,509 |
| Core capital (leverage) ratio | 11.0153% | 2,321 |
| Tier 1 risk-based capital ratio | 14.6661% | 3,007 |
| Total risk-based capital ratio | 15.3639% | 3,202 |
| Memoranda: | ||
| Average total assets | $3,069,338,400 | 303 |
| Average earning assets | $2,836,220,400 | 296 |
| Average equity | $339,146,400 | 304 |
| Average total loans | $1,789,603,000 | 339 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 4,139 |
| Cost of funding earning assets | 0.3337% | 3,824 |
| Net interest margin | 3.4275% | 3,748 |
| Noninterest income to average assets | 0.4718% | 3,199 |
| Noninterest expense to average assets | 2.4180% | 3,971 |
| Loan and lease loss provision to assets | 0.0260% | 3,615 |
| Net operating income to assets | 1.0634% | 2,267 |
| Return on assets (ROA) | 1.0644% | 2,298 |
| Pretax return on assets | 1.1958% | 2,926 |
| Return on Equity (ROE) | 9.6505% | 2,280 |
| Retained earnings to average equity (ytd only) | 5.5833% | 2,488 |
| Net charge-offs to loans | 0.0635% | 2,209 |
| Credit loss provision to net charge-offs | 70.7692% | 2,693 |
| Earnings coverage of net charge-offs (x) | 33.2023% | 1,471 |
| Efficiency ratio | 66.4522% | 3,129 |
| Assets per employee ($millions) | 6.7359% | 1,057 |
| Cash dividends to net income (ytd only)* | 42.1453% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 4,274 |
| Loan loss allowance to noncurrent loans | 112.0901% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 2,992 |
| Noncurrent loans to loans | 0.8575% | 2,222 |
| Net loans and leases to total assets | 58.0046% | 4,055 |
| Net loans and leases to deposits | 78.8983% | 3,078 |
| Net loans and leases to core deposits | 85.0362% | 3,041 |
| Total domestic deposits to total assets | 73.5181% | 5,276 |
| Equity capital to assets | 11.0564% | 2,810 |
| Core capital (leverage) ratio | 11.1334% | 2,341 |
| Tier 1 risk-based capital ratio | 15.2958% | 2,795 |
| Total risk-based capital ratio | 16.0853% | 2,924 |
| Memoranda: | ||
| Average total assets | $3,064,345,000 | 305 |
| Average earning assets | $2,831,400,750 | 296 |
| Average equity | $337,976,500 | 302 |
| Average total loans | $1,773,641,250 | 343 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 4,191 |
| Cost of funding earning assets | 0.3039% | 4,042 |
| Net interest margin | 3.4072% | 3,746 |
| Noninterest income to average assets | 0.4711% | 3,212 |
| Noninterest expense to average assets | 2.4666% | 3,861 |
| Loan and lease loss provision to assets | 0.0164% | 3,627 |
| Net operating income to assets | 1.0268% | 2,301 |
| Return on assets (ROA) | 1.0268% | 2,343 |
| Pretax return on assets | 1.1349% | 3,033 |
| Return on Equity (ROE) | 9.3178% | 2,349 |
| Retained earnings to average equity (ytd only) | 5.2115% | 2,575 |
| Net charge-offs to loans | 0.1169% | 1,467 |
| Credit loss provision to net charge-offs | 24.3164% | 2,761 |
| Earnings coverage of net charge-offs (x) | 17.0869% | 1,943 |
| Efficiency ratio | 68.1774% | 2,979 |
| Assets per employee ($millions) | 6.6773% | 1,061 |
| Cash dividends to net income (ytd only)* | 44.0692% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 4,527 |
| Loan loss allowance to noncurrent loans | 224.2087% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 4,084 |
| Noncurrent loans to loans | 0.4137% | 3,540 |
| Net loans and leases to total assets | 58.5954% | 3,967 |
| Net loans and leases to deposits | 78.1525% | 3,103 |
| Net loans and leases to core deposits | 84.1728% | 3,047 |
| Total domestic deposits to total assets | 74.9757% | 5,202 |
| Equity capital to assets | 10.9451% | 2,869 |
| Core capital (leverage) ratio | 11.0994% | 2,317 |
| Tier 1 risk-based capital ratio | 14.9822% | 2,933 |
| Total risk-based capital ratio | 15.7435% | 3,089 |
| Memoranda: | ||
| Average total assets | $3,039,478,670 | 310 |
| Average earning assets | $2,807,149,330 | 299 |
| Average equity | $334,950,330 | 307 |
| Average total loans | $1,752,054,330 | 348 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6791% | 4,173 |
| Cost of funding earning assets | 0.2931% | 4,115 |
| Net interest margin | 3.3860% | 3,692 |
| Noninterest income to average assets | 0.4776% | 3,141 |
| Noninterest expense to average assets | 2.4816% | 3,868 |
| Loan and lease loss provision to assets | 0.0316% | 3,150 |
| Net operating income to assets | 1.0002% | 2,301 |
| Return on assets (ROA) | 1.0002% | 2,351 |
| Pretax return on assets | 1.0897% | 3,026 |
| Return on Equity (ROE) | 9.0438% | 2,397 |
| Retained earnings to average equity (ytd only) | 4.8930% | 2,952 |
| Net charge-offs to loans | 0.0685% | 1,642 |
| Credit loss provision to net charge-offs | 81.1644% | 1,752 |
| Earnings coverage of net charge-offs (x) | 28.7705% | 1,245 |
| Efficiency ratio | 68.8771% | 3,068 |
| Assets per employee ($millions) | 6.7702% | 1,050 |
| Cash dividends to net income (ytd only)* | 45.8962% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 4,143 |
| Loan loss allowance to noncurrent loans | 245.9791% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 4,185 |
| Noncurrent loans to loans | 0.4159% | 3,598 |
| Net loans and leases to total assets | 56.9865% | 4,064 |
| Net loans and leases to deposits | 73.7470% | 3,426 |
| Net loans and leases to core deposits | 79.2349% | 3,359 |
| Total domestic deposits to total assets | 77.2729% | 5,081 |
| Equity capital to assets | 11.0163% | 2,613 |
| Core capital (leverage) ratio | 11.2251% | 2,167 |
| Tier 1 risk-based capital ratio | 15.3172% | 2,825 |
| Total risk-based capital ratio | 16.1386% | 2,953 |
| Memoranda: | ||
| Average total assets | $2,996,736,500 | 312 |
| Average earning assets | $2,766,085,500 | 308 |
| Average equity | $331,411,000 | 308 |
| Average total loans | $1,703,968,000 | 352 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 4,041 |
| Cost of funding earning assets | 0.2590% | 4,479 |
| Net interest margin | 3.4958% | 3,447 |
| Noninterest income to average assets | 0.4993% | 3,244 |
| Noninterest expense to average assets | 2.6307% | 3,584 |
| Loan and lease loss provision to assets | 0.0229% | 3,914 |
| Net operating income to assets | 1.0178% | 2,275 |
| Return on assets (ROA) | 1.0168% | 2,380 |
| Pretax return on assets | 1.0815% | 3,169 |
| Return on Equity (ROE) | 8.5476% | 2,645 |
| Retained earnings to average equity (ytd only) | 4.3396% | 2,812 |
| Net charge-offs to loans | -0.0014% | 4,679 |
| Credit loss provision to net charge-offs | -2,945.4545% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4134% | 2,841 |
| Assets per employee ($millions) | 6.6413% | 1,080 |
| Cash dividends to net income (ytd only)* | 49.2300% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,839 |
| Loan loss allowance to noncurrent loans | 221.8123% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 4,128 |
| Noncurrent loans to loans | 0.4861% | 3,413 |
| Net loans and leases to total assets | 55.4939% | 4,309 |
| Net loans and leases to deposits | 74.1857% | 3,490 |
| Net loans and leases to core deposits | 76.9973% | 3,660 |
| Total domestic deposits to total assets | 74.8040% | 5,368 |
| Equity capital to assets | 11.1501% | 2,478 |
| Core capital (leverage) ratio | 11.4257% | 1,992 |
| Tier 1 risk-based capital ratio | 14.9793% | 2,972 |
| Total risk-based capital ratio | 15.7910% | 3,110 |
| Memoranda: | ||
| Average total assets | $2,828,971,200 | 311 |
| Average earning assets | $2,619,367,800 | 303 |
| Average equity | $336,526,000 | 291 |
| Average total loans | $1,544,645,800 | 366 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 4,065 |
| Cost of funding earning assets | 0.2572% | 4,538 |
| Net interest margin | 3.4973% | 3,477 |
| Noninterest income to average assets | 0.4992% | 3,254 |
| Noninterest expense to average assets | 2.5637% | 3,785 |
| Loan and lease loss provision to assets | 0.0232% | 3,782 |
| Net operating income to assets | 1.0836% | 2,070 |
| Return on assets (ROA) | 1.0853% | 2,162 |
| Pretax return on assets | 1.1566% | 3,019 |
| Return on Equity (ROE) | 8.9745% | 2,504 |
| Retained earnings to average equity (ytd only) | 5.0096% | 2,818 |
| Net charge-offs to loans | -0.0004% | 4,416 |
| Credit loss provision to net charge-offs | -9,720.0000% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5195% | 3,137 |
| Assets per employee ($millions) | 6.4800% | 1,121 |
| Cash dividends to net income (ytd only)* | 44.1798% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,814 |
| Loan loss allowance to noncurrent loans | 178.2635% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 3,987 |
| Noncurrent loans to loans | 0.6191% | 3,160 |
| Net loans and leases to total assets | 54.3926% | 4,463 |
| Net loans and leases to deposits | 71.1795% | 3,868 |
| Net loans and leases to core deposits | 73.9353% | 4,010 |
| Total domestic deposits to total assets | 76.4161% | 5,179 |
| Equity capital to assets | 11.8090% | 2,247 |
| Core capital (leverage) ratio | 11.5954% | 1,962 |
| Tier 1 risk-based capital ratio | 15.3428% | 2,895 |
| Total risk-based capital ratio | 16.1707% | 3,016 |
| Memoranda: | ||
| Average total assets | $2,795,712,250 | 312 |
| Average earning assets | $2,591,974,250 | 304 |
| Average equity | $338,091,000 | 291 |
| Average total loans | $1,515,394,500 | 371 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7633% | 4,078 |
| Cost of funding earning assets | 0.2581% | 4,568 |
| Net interest margin | 3.5052% | 3,473 |
| Noninterest income to average assets | 0.4976% | 3,209 |
| Noninterest expense to average assets | 2.5783% | 3,797 |
| Loan and lease loss provision to assets | 0.0235% | 3,661 |
| Net operating income to assets | 1.0900% | 1,993 |
| Return on assets (ROA) | 1.0919% | 2,113 |
| Pretax return on assets | 1.1501% | 2,987 |
| Return on Equity (ROE) | 8.9543% | 2,513 |
| Retained earnings to average equity (ytd only) | 4.9573% | 2,766 |
| Net charge-offs to loans | 0.0053% | 3,518 |
| Credit loss provision to net charge-offs | 830.7692% | 435 |
| Earnings coverage of net charge-offs (x) | 413.6154% | 165 |
| Efficiency ratio | 68.7547% | 3,201 |
| Assets per employee ($millions) | 6.3700% | 1,153 |
| Cash dividends to net income (ytd only)* | 44.6381% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 3,665 |
| Loan loss allowance to noncurrent loans | 152.3284% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 3,844 |
| Noncurrent loans to loans | 0.7533% | 2,861 |
| Net loans and leases to total assets | 52.3429% | 4,637 |
| Net loans and leases to deposits | 66.7713% | 4,285 |
| Net loans and leases to core deposits | 69.2880% | 4,383 |
| Total domestic deposits to total assets | 78.3913% | 4,917 |
| Equity capital to assets | 11.9116% | 2,185 |
| Core capital (leverage) ratio | 11.8449% | 1,732 |
| Tier 1 risk-based capital ratio | 15.9579% | 2,663 |
| Total risk-based capital ratio | 16.8191% | 2,773 |
| Memoranda: | ||
| Average total assets | $2,753,452,670 | 314 |
| Average earning assets | $2,554,891,330 | 307 |
| Average equity | $335,749,000 | 292 |
| Average total loans | $1,484,740,330 | 374 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 4,014 |
| Cost of funding earning assets | 0.2605% | 4,605 |
| Net interest margin | 3.5208% | 3,391 |
| Noninterest income to average assets | 0.4885% | 3,204 |
| Noninterest expense to average assets | 2.5414% | 3,939 |
| Loan and lease loss provision to assets | 0.0241% | 3,366 |
| Net operating income to assets | 1.1302% | 1,789 |
| Return on assets (ROA) | 1.1329% | 1,886 |
| Pretax return on assets | 1.2012% | 2,698 |
| Return on Equity (ROE) | 9.1765% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.1278% | 2,855 |
| Net charge-offs to loans | 0.0131% | 2,684 |
| Credit loss provision to net charge-offs | 337.5000% | 791 |
| Earnings coverage of net charge-offs (x) | 171.1042% | 356 |
| Efficiency ratio | 67.5209% | 3,541 |
| Assets per employee ($millions) | 5.9875% | 1,407 |
| Cash dividends to net income (ytd only)* | 44.1204% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 3,675 |
| Loan loss allowance to noncurrent loans | 141.2119% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 3,624 |
| Noncurrent loans to loans | 0.8271% | 2,769 |
| Net loans and leases to total assets | 54.2830% | 4,426 |
| Net loans and leases to deposits | 66.0038% | 4,257 |
| Net loans and leases to core deposits | 68.7104% | 4,340 |
| Total domestic deposits to total assets | 82.2423% | 4,134 |
| Equity capital to assets | 12.3898% | 1,757 |
| Core capital (leverage) ratio | 12.1717% | 1,514 |
| Tier 1 risk-based capital ratio | 15.8301% | 2,768 |
| Total risk-based capital ratio | 16.6848% | 2,890 |
| Memoranda: | ||
| Average total assets | $2,687,372,000 | 315 |
| Average earning assets | $2,500,028,000 | 309 |
| Average equity | $331,761,500 | 294 |
| Average total loans | $1,463,137,000 | 377 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 3,804 |
| Cost of funding earning assets | 0.2759% | 4,521 |
| Net interest margin | 3.5947% | 3,160 |
| Noninterest income to average assets | 0.4580% | 3,604 |
| Noninterest expense to average assets | 2.4611% | 4,351 |
| Loan and lease loss provision to assets | 0.0023% | 4,341 |
| Net operating income to assets | 1.1612% | 1,693 |
| Return on assets (ROA) | 1.1598% | 1,773 |
| Pretax return on assets | 1.3617% | 2,064 |
| Return on Equity (ROE) | 9.5771% | 2,191 |
| Retained earnings to average equity (ytd only) | 5.1712% | 2,299 |
| Net charge-offs to loans | 0.0065% | 4,219 |
| Credit loss provision to net charge-offs | 67.4157% | 3,168 |
| Earnings coverage of net charge-offs (x) | 408.5056% | 155 |
| Efficiency ratio | 64.3128% | 4,196 |
| Assets per employee ($millions) | 5.9562% | 1,416 |
| Cash dividends to net income (ytd only)* | 46.0049% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 3,502 |
| Loan loss allowance to noncurrent loans | 132.5953% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 3,528 |
| Noncurrent loans to loans | 0.9035% | 2,533 |
| Net loans and leases to total assets | 53.3120% | 4,560 |
| Net loans and leases to deposits | 64.4175% | 4,434 |
| Net loans and leases to core deposits | 67.2858% | 4,491 |
| Total domestic deposits to total assets | 82.7602% | 3,924 |
| Equity capital to assets | 12.3000% | 1,740 |
| Core capital (leverage) ratio | 11.9841% | 1,627 |
| Tier 1 risk-based capital ratio | 16.0115% | 2,682 |
| Total risk-based capital ratio | 16.8808% | 2,803 |
| Memoranda: | ||
| Average total assets | $2,662,177,800 | 304 |
| Average earning assets | $2,494,857,200 | 293 |
| Average equity | $322,382,000 | 285 |
| Average total loans | $1,365,310,400 | 373 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 3,764 |
| Cost of funding earning assets | 0.2778% | 4,587 |
| Net interest margin | 3.6130% | 3,108 |
| Noninterest income to average assets | 0.4510% | 3,710 |
| Noninterest expense to average assets | 2.4115% | 4,478 |
| Loan and lease loss provision to assets | 0.0023% | 4,203 |
| Net operating income to assets | 1.1135% | 1,948 |
| Return on assets (ROA) | 1.1101% | 2,039 |
| Pretax return on assets | 1.4245% | 1,917 |
| Return on Equity (ROE) | 9.2032% | 2,464 |
| Retained earnings to average equity (ytd only) | 4.8970% | 2,989 |
| Net charge-offs to loans | 0.0063% | 3,954 |
| Credit loss provision to net charge-offs | 70.3125% | 2,763 |
| Earnings coverage of net charge-offs (x) | 446.2406% | 163 |
| Efficiency ratio | 62.7561% | 4,448 |
| Assets per employee ($millions) | 6.0658% | 1,328 |
| Cash dividends to net income (ytd only)* | 46.7903% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 3,522 |
| Loan loss allowance to noncurrent loans | 171.3293% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 4,107 |
| Noncurrent loans to loans | 0.7143% | 3,194 |
| Net loans and leases to total assets | 52.0685% | 4,755 |
| Net loans and leases to deposits | 62.6617% | 4,668 |
| Net loans and leases to core deposits | 65.5605% | 4,723 |
| Total domestic deposits to total assets | 83.0947% | 3,782 |
| Equity capital to assets | 12.1695% | 1,987 |
| Core capital (leverage) ratio | 11.8706% | 1,763 |
| Tier 1 risk-based capital ratio | 15.9928% | 2,799 |
| Total risk-based capital ratio | 16.8750% | 2,916 |
| Memoranda: | ||
| Average total assets | $2,660,628,250 | 310 |
| Average earning assets | $2,497,642,000 | 301 |
| Average equity | $320,925,000 | 294 |
| Average total loans | $1,346,684,750 | 380 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 3,680 |
| Cost of funding earning assets | 0.2801% | 4,615 |
| Net interest margin | 3.6219% | 3,008 |
| Noninterest income to average assets | 0.4371% | 3,801 |
| Noninterest expense to average assets | 2.3730% | 4,649 |
| Loan and lease loss provision to assets | 0.0023% | 4,036 |
| Net operating income to assets | 1.1355% | 1,822 |
| Return on assets (ROA) | 1.1309% | 1,917 |
| Pretax return on assets | 1.4569% | 1,779 |
| Return on Equity (ROE) | 9.4036% | 2,335 |
| Retained earnings to average equity (ytd only) | 5.1962% | 2,731 |
| Net charge-offs to loans | 0.0068% | 3,659 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 432.3333% | 153 |
| Efficiency ratio | 61.8275% | 4,697 |
| Assets per employee ($millions) | 6.2155% | 1,208 |
| Cash dividends to net income (ytd only)* | 44.7426% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 3,276 |
| Loan loss allowance to noncurrent loans | 233.6492% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 4,615 |
| Noncurrent loans to loans | 0.5536% | 3,797 |
| Net loans and leases to total assets | 49.0609% | 5,008 |
| Net loans and leases to deposits | 59.0049% | 4,931 |
| Net loans and leases to core deposits | 61.7345% | 4,961 |
| Total domestic deposits to total assets | 83.1471% | 3,888 |
| Equity capital to assets | 11.9269% | 2,084 |
| Core capital (leverage) ratio | 11.7616% | 1,798 |
| Tier 1 risk-based capital ratio | 16.2038% | 2,758 |
| Total risk-based capital ratio | 17.1079% | 2,884 |
| Memoranda: | ||
| Average total assets | $2,655,831,670 | 310 |
| Average earning assets | $2,493,809,330 | 300 |
| Average equity | $319,388,000 | 295 |
| Average total loans | $1,325,546,000 | 385 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 3,398 |
| Cost of funding earning assets | 0.2842% | 4,617 |
| Net interest margin | 3.6706% | 2,731 |
| Noninterest income to average assets | 0.4610% | 3,568 |
| Noninterest expense to average assets | 2.3064% | 4,860 |
| Loan and lease loss provision to assets | 0.0023% | 3,684 |
| Net operating income to assets | 1.2250% | 1,475 |
| Return on assets (ROA) | 1.2232% | 1,569 |
| Pretax return on assets | 1.5981% | 1,272 |
| Return on Equity (ROE) | 10.1292% | 1,943 |
| Retained earnings to average equity (ytd only) | 6.0371% | 2,480 |
| Net charge-offs to loans | 0.0015% | 3,258 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 2,116.4000% | 16 |
| Efficiency ratio | 59.0020% | 5,227 |
| Assets per employee ($millions) | 6.2600% | 1,216 |
| Cash dividends to net income (ytd only)* | 40.3987% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 3,460 |
| Loan loss allowance to noncurrent loans | 208.0014% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 4,504 |
| Noncurrent loans to loans | 0.6198% | 3,718 |
| Net loans and leases to total assets | 49.6333% | 4,891 |
| Net loans and leases to deposits | 59.9952% | 4,746 |
| Net loans and leases to core deposits | 62.7882% | 4,795 |
| Total domestic deposits to total assets | 82.7289% | 4,259 |
| Equity capital to assets | 12.0810% | 1,967 |
| Core capital (leverage) ratio | 11.8564% | 1,733 |
| Tier 1 risk-based capital ratio | 16.3900% | 2,737 |
| Total risk-based capital ratio | 17.3162% | 2,824 |
| Memoranda: | ||
| Average total assets | $2,641,208,500 | 308 |
| Average earning assets | $2,481,011,500 | 298 |
| Average equity | $318,959,000 | 296 |
| Average total loans | $1,321,026,500 | 383 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,399 |
| Cost of funding earning assets | 0.3082% | 4,704 |
| Net interest margin | 3.7718% | 2,723 |
| Noninterest income to average assets | 0.4321% | 3,952 |
| Noninterest expense to average assets | 2.2713% | 5,188 |
| Loan and lease loss provision to assets | 0.0023% | 4,558 |
| Net operating income to assets | 1.3003% | 1,307 |
| Return on assets (ROA) | 1.2915% | 1,376 |
| Pretax return on assets | 1.6874% | 1,011 |
| Return on Equity (ROE) | 11.0637% | 1,707 |
| Retained earnings to average equity (ytd only) | 6.3942% | 1,710 |
| Net charge-offs to loans | 0.0465% | 3,899 |
| Credit loss provision to net charge-offs | 10.3806% | 4,099 |
| Earnings coverage of net charge-offs (x) | 76.6938% | 656 |
| Efficiency ratio | 57.1758% | 5,549 |
| Assets per employee ($millions) | 6.1836% | 1,258 |
| Cash dividends to net income (ytd only)* | 42.2055% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 3,279 |
| Loan loss allowance to noncurrent loans | 196.7992% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 4,478 |
| Noncurrent loans to loans | 0.6747% | 3,658 |
| Net loans and leases to total assets | 49.0847% | 5,059 |
| Net loans and leases to deposits | 59.7993% | 4,920 |
| Net loans and leases to core deposits | 62.8024% | 4,936 |
| Total domestic deposits to total assets | 82.0825% | 4,388 |
| Equity capital to assets | 12.0714% | 1,968 |
| Core capital (leverage) ratio | 11.6727% | 1,846 |
| Tier 1 risk-based capital ratio | 15.9982% | 2,961 |
| Total risk-based capital ratio | 16.9162% | 3,075 |
| Memoranda: | ||
| Average total assets | $2,605,720,800 | 292 |
| Average earning assets | $2,445,894,600 | 286 |
| Average equity | $304,166,400 | 294 |
| Average total loans | $1,243,673,800 | 380 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 3,516 |
| Cost of funding earning assets | 0.3100% | 4,780 |
| Net interest margin | 3.7524% | 2,801 |
| Noninterest income to average assets | 0.4165% | 4,128 |
| Noninterest expense to average assets | 2.2711% | 5,177 |
| Loan and lease loss provision to assets | 0.0254% | 3,902 |
| Net operating income to assets | 1.2542% | 1,513 |
| Return on assets (ROA) | 1.2435% | 1,600 |
| Pretax return on assets | 1.6282% | 1,237 |
| Return on Equity (ROE) | 10.7449% | 1,890 |
| Retained earnings to average equity (ytd only) | 6.1578% | 2,308 |
| Net charge-offs to loans | 0.0172% | 4,188 |
| Credit loss provision to net charge-offs | 311.3208% | 886 |
| Earnings coverage of net charge-offs (x) | 204.7907% | 316 |
| Efficiency ratio | 57.6596% | 5,489 |
| Assets per employee ($millions) | 6.3331% | 1,125 |
| Cash dividends to net income (ytd only)* | 42.6912% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 3,172 |
| Loan loss allowance to noncurrent loans | 116.6356% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 3,840 |
| Noncurrent loans to loans | 1.2010% | 2,643 |
| Net loans and leases to total assets | 48.7912% | 5,125 |
| Net loans and leases to deposits | 58.8713% | 5,026 |
| Net loans and leases to core deposits | 61.8647% | 5,041 |
| Total domestic deposits to total assets | 82.8777% | 4,187 |
| Equity capital to assets | 11.9903% | 2,066 |
| Core capital (leverage) ratio | 11.4975% | 2,067 |
| Tier 1 risk-based capital ratio | 15.4971% | 3,322 |
| Total risk-based capital ratio | 16.4478% | 3,418 |
| Memoranda: | ||
| Average total assets | $2,603,231,500 | 290 |
| Average earning assets | $2,443,572,750 | 281 |
| Average equity | $301,271,000 | 293 |
| Average total loans | $1,229,298,500 | 379 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 3,560 |
| Cost of funding earning assets | 0.3145% | 4,832 |
| Net interest margin | 3.7324% | 2,832 |
| Noninterest income to average assets | 0.3891% | 4,322 |
| Noninterest expense to average assets | 2.2540% | 5,275 |
| Loan and lease loss provision to assets | 0.0254% | 3,772 |
| Net operating income to assets | 1.2374% | 1,487 |
| Return on assets (ROA) | 1.2060% | 1,634 |
| Pretax return on assets | 1.5714% | 1,329 |
| Return on Equity (ROE) | 10.5486% | 1,918 |
| Retained earnings to average equity (ytd only) | 6.0271% | 2,308 |
| Net charge-offs to loans | -0.0429% | 5,807 |
| Credit loss provision to net charge-offs | -127.4131% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9214% | 5,564 |
| Assets per employee ($millions) | 6.2853% | 1,117 |
| Cash dividends to net income (ytd only)* | 42.8635% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 2,865 |
| Loan loss allowance to noncurrent loans | 114.6135% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 3,807 |
| Noncurrent loans to loans | 1.3151% | 2,611 |
| Net loans and leases to total assets | 46.2770% | 5,335 |
| Net loans and leases to deposits | 55.1913% | 5,267 |
| Net loans and leases to core deposits | 58.0787% | 5,268 |
| Total domestic deposits to total assets | 83.8483% | 3,975 |
| Equity capital to assets | 11.8605% | 2,098 |
| Core capital (leverage) ratio | 11.2377% | 2,214 |
| Tier 1 risk-based capital ratio | 15.7847% | 3,201 |
| Total risk-based capital ratio | 16.7832% | 3,290 |
| Memoranda: | ||
| Average total assets | $2,599,121,670 | 287 |
| Average earning assets | $2,438,923,000 | 279 |
| Average equity | $297,157,000 | 292 |
| Average total loans | $1,207,633,330 | 382 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,525 |
| Cost of funding earning assets | 0.3167% | 4,901 |
| Net interest margin | 3.7228% | 2,775 |
| Noninterest income to average assets | 0.2289% | 5,522 |
| Noninterest expense to average assets | 2.1758% | 5,522 |
| Loan and lease loss provision to assets | 0.0254% | 3,502 |
| Net operating income to assets | 1.1721% | 1,562 |
| Return on assets (ROA) | 1.1697% | 1,639 |
| Pretax return on assets | 1.5186% | 1,381 |
| Return on Equity (ROE) | 10.4250% | 1,900 |
| Retained earnings to average equity (ytd only) | 5.9521% | 2,570 |
| Net charge-offs to loans | -0.0436% | 5,752 |
| Credit loss provision to net charge-offs | -125.9542% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4418% | 5,605 |
| Assets per employee ($millions) | 6.5088% | 1,017 |
| Cash dividends to net income (ytd only)* | 42.9060% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,072 |
| Loan loss allowance to noncurrent loans | 194.9461% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 4,705 |
| Noncurrent loans to loans | 0.7785% | 3,912 |
| Net loans and leases to total assets | 44.4267% | 5,469 |
| Net loans and leases to deposits | 53.0507% | 5,374 |
| Net loans and leases to core deposits | 55.8961% | 5,359 |
| Total domestic deposits to total assets | 83.7437% | 4,370 |
| Equity capital to assets | 11.2915% | 2,441 |
| Core capital (leverage) ratio | 11.1640% | 2,254 |
| Tier 1 risk-based capital ratio | 16.1342% | 3,098 |
| Total risk-based capital ratio | 17.1549% | 3,172 |
| Memoranda: | ||
| Average total assets | $2,600,778,000 | 285 |
| Average earning assets | $2,441,049,000 | 278 |
| Average equity | $291,797,500 | 293 |
| Average total loans | $1,201,627,000 | 382 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 3,408 |
| Cost of funding earning assets | 0.3948% | 4,706 |
| Net interest margin | 3.7880% | 2,697 |
| Noninterest income to average assets | 0.4704% | 3,959 |
| Noninterest expense to average assets | 2.1581% | 5,717 |
| Loan and lease loss provision to assets | 0.0278% | 4,560 |
| Net operating income to assets | 1.3674% | 1,096 |
| Return on assets (ROA) | 1.3260% | 1,227 |
| Pretax return on assets | 1.7816% | 787 |
| Return on Equity (ROE) | 12.2899% | 1,331 |
| Retained earnings to average equity (ytd only) | 7.2370% | 1,341 |
| Net charge-offs to loans | -0.0033% | 5,888 |
| Credit loss provision to net charge-offs | -1,861.5385% | 6,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6380% | 6,169 |
| Assets per employee ($millions) | 6.5615% | 962 |
| Cash dividends to net income (ytd only)* | 41.1137% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 3,333 |
| Loan loss allowance to noncurrent loans | 148.0572% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 4,644 |
| Noncurrent loans to loans | 0.9924% | 3,534 |
| Net loans and leases to total assets | 46.6342% | 5,431 |
| Net loans and leases to deposits | 55.3038% | 5,368 |
| Net loans and leases to core deposits | 58.6506% | 5,335 |
| Total domestic deposits to total assets | 84.3237% | 4,044 |
| Equity capital to assets | 11.1454% | 2,481 |
| Core capital (leverage) ratio | 10.9730% | 2,415 |
| Tier 1 risk-based capital ratio | 15.8012% | 3,201 |
| Total risk-based capital ratio | 16.7996% | 3,297 |
| Memoranda: | ||
| Average total assets | $2,607,061,400 | 286 |
| Average earning assets | $2,445,315,000 | 276 |
| Average equity | $281,288,800 | 292 |
| Average total loans | $1,195,973,600 | 374 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 3,436 |
| Cost of funding earning assets | 0.4073% | 4,762 |
| Net interest margin | 3.7792% | 2,717 |
| Noninterest income to average assets | 0.4821% | 3,924 |
| Noninterest expense to average assets | 2.1435% | 5,736 |
| Loan and lease loss provision to assets | 0.0365% | 4,285 |
| Net operating income to assets | 1.3668% | 1,177 |
| Return on assets (ROA) | 1.3258% | 1,332 |
| Pretax return on assets | 1.7918% | 923 |
| Return on Equity (ROE) | 12.3874% | 1,375 |
| Retained earnings to average equity (ytd only) | 7.4530% | 1,668 |
| Net charge-offs to loans | -0.0209% | 6,050 |
| Credit loss provision to net charge-offs | -383.4225% | 6,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2246% | 6,167 |
| Assets per employee ($millions) | 6.6059% | 892 |
| Cash dividends to net income (ytd only)* | 39.8341% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 3,472 |
| Loan loss allowance to noncurrent loans | 142.3785% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 4,872 |
| Noncurrent loans to loans | 1.0509% | 3,700 |
| Net loans and leases to total assets | 45.1336% | 5,620 |
| Net loans and leases to deposits | 53.6710% | 5,566 |
| Net loans and leases to core deposits | 57.0284% | 5,524 |
| Total domestic deposits to total assets | 84.0931% | 4,151 |
| Equity capital to assets | 10.7011% | 3,068 |
| Core capital (leverage) ratio | 10.6833% | 2,806 |
| Tier 1 risk-based capital ratio | 15.5804% | 3,425 |
| Total risk-based capital ratio | 16.5893% | 3,498 |
| Memoranda: | ||
| Average total assets | $2,619,085,000 | 285 |
| Average earning assets | $2,456,918,500 | 277 |
| Average equity | $280,309,500 | 290 |
| Average total loans | $1,192,179,750 | 375 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 3,197 |
| Cost of funding earning assets | 0.4129% | 4,830 |
| Net interest margin | 3.8245% | 2,459 |
| Noninterest income to average assets | 0.4768% | 3,979 |
| Noninterest expense to average assets | 2.1454% | 5,762 |
| Loan and lease loss provision to assets | 0.0534% | 3,919 |
| Net operating income to assets | 1.3761% | 1,129 |
| Return on assets (ROA) | 1.3145% | 1,372 |
| Pretax return on assets | 1.7832% | 963 |
| Return on Equity (ROE) | 12.2816% | 1,410 |
| Retained earnings to average equity (ytd only) | 7.4834% | 1,674 |
| Net charge-offs to loans | 0.0570% | 3,889 |
| Credit loss provision to net charge-offs | 206.4897% | 1,164 |
| Earnings coverage of net charge-offs (x) | 74.1917% | 608 |
| Efficiency ratio | 52.7743% | 6,236 |
| Assets per employee ($millions) | 6.5901% | 868 |
| Cash dividends to net income (ytd only)* | 39.0686% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 3,698 |
| Loan loss allowance to noncurrent loans | 218.0416% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 5,433 |
| Noncurrent loans to loans | 0.6767% | 4,586 |
| Net loans and leases to total assets | 44.1650% | 5,726 |
| Net loans and leases to deposits | 52.6808% | 5,628 |
| Net loans and leases to core deposits | 55.7788% | 5,615 |
| Total domestic deposits to total assets | 83.8352% | 4,392 |
| Equity capital to assets | 10.5497% | 3,236 |
| Core capital (leverage) ratio | 10.4783% | 2,903 |
| Tier 1 risk-based capital ratio | 15.5553% | 3,450 |
| Total risk-based capital ratio | 16.5487% | 3,557 |
| Memoranda: | ||
| Average total assets | $2,620,137,330 | 285 |
| Average earning assets | $2,458,350,670 | 277 |
| Average equity | $280,435,000 | 288 |
| Average total loans | $1,190,040,670 | 373 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 3,186 |
| Cost of funding earning assets | 0.4156% | 4,957 |
| Net interest margin | 3.8139% | 2,394 |
| Noninterest income to average assets | 0.4801% | 3,924 |
| Noninterest expense to average assets | 2.1416% | 5,824 |
| Loan and lease loss provision to assets | 0.0535% | 3,732 |
| Net operating income to assets | 1.3650% | 1,110 |
| Return on assets (ROA) | 1.3357% | 1,289 |
| Pretax return on assets | 1.8193% | 854 |
| Return on Equity (ROE) | 12.3907% | 1,321 |
| Retained earnings to average equity (ytd only) | 7.7545% | 1,839 |
| Net charge-offs to loans | 0.0823% | 3,021 |
| Credit loss provision to net charge-offs | 142.2764% | 1,419 |
| Earnings coverage of net charge-offs (x) | 50.8455% | 668 |
| Efficiency ratio | 52.8196% | 6,326 |
| Assets per employee ($millions) | 6.5593% | 963 |
| Cash dividends to net income (ytd only)* | 37.4170% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 4,078 |
| Loan loss allowance to noncurrent loans | 184.3357% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 5,245 |
| Noncurrent loans to loans | 0.7777% | 4,562 |
| Net loans and leases to total assets | 45.1255% | 5,535 |
| Net loans and leases to deposits | 54.3231% | 5,407 |
| Net loans and leases to core deposits | 57.6285% | 5,370 |
| Total domestic deposits to total assets | 83.0688% | 4,836 |
| Equity capital to assets | 10.9047% | 3,072 |
| Core capital (leverage) ratio | 10.4523% | 2,844 |
| Tier 1 risk-based capital ratio | 14.7530% | 3,996 |
| Total risk-based capital ratio | 15.6987% | 4,178 |
| Memoranda: | ||
| Average total assets | $2,615,482,000 | 287 |
| Average earning assets | $2,451,252,500 | 280 |
| Average equity | $281,953,000 | 291 |
| Average total loans | $1,195,717,000 | 371 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 2,637 |
| Cost of funding earning assets | 0.5261% | 5,020 |
| Net interest margin | 4.1638% | 1,765 |
| Noninterest income to average assets | 0.4661% | 4,132 |
| Noninterest expense to average assets | 2.2015% | 5,921 |
| Loan and lease loss provision to assets | 0.1136% | 4,219 |
| Net operating income to assets | 1.4889% | 934 |
| Return on assets (ROA) | 1.4501% | 1,119 |
| Pretax return on assets | 2.0033% | 594 |
| Return on Equity (ROE) | 13.9491% | 1,003 |
| Retained earnings to average equity (ytd only) | 8.3837% | 1,004 |
| Net charge-offs to loans | 0.0958% | 4,712 |
| Credit loss provision to net charge-offs | 247.1146% | 993 |
| Earnings coverage of net charge-offs (x) | 47.2102% | 702 |
| Efficiency ratio | 50.3524% | 6,573 |
| Assets per employee ($millions) | 6.5509% | 982 |
| Cash dividends to net income (ytd only)* | 39.8979% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 4,049 |
| Loan loss allowance to noncurrent loans | 125.5067% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 4,926 |
| Noncurrent loans to loans | 1.1343% | 3,949 |
| Net loans and leases to total assets | 45.0022% | 5,728 |
| Net loans and leases to deposits | 53.8767% | 5,666 |
| Net loans and leases to core deposits | 57.2890% | 5,610 |
| Total domestic deposits to total assets | 83.5282% | 4,528 |
| Equity capital to assets | 10.6561% | 3,331 |
| Core capital (leverage) ratio | 10.3437% | 2,955 |
| Tier 1 risk-based capital ratio | 14.1841% | 4,253 |
| Total risk-based capital ratio | 15.1066% | 4,444 |
| Memoranda: | ||
| Average total assets | $2,524,998,800 | 288 |
| Average earning assets | $2,368,759,600 | 275 |
| Average equity | $262,497,400 | 304 |
| Average total loans | $1,212,327,600 | 363 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 2,535 |
| Cost of funding earning assets | 0.5520% | 5,069 |
| Net interest margin | 4.2085% | 1,712 |
| Noninterest income to average assets | 0.4544% | 4,256 |
| Noninterest expense to average assets | 2.1958% | 5,964 |
| Loan and lease loss provision to assets | 0.1529% | 3,617 |
| Net operating income to assets | 1.4649% | 1,085 |
| Return on assets (ROA) | 1.4261% | 1,289 |
| Pretax return on assets | 2.0013% | 704 |
| Return on Equity (ROE) | 13.8081% | 1,149 |
| Retained earnings to average equity (ytd only) | 8.4504% | 1,425 |
| Net charge-offs to loans | 0.0839% | 4,549 |
| Credit loss provision to net charge-offs | 375.0327% | 719 |
| Earnings coverage of net charge-offs (x) | 54.1689% | 712 |
| Efficiency ratio | 49.8499% | 6,598 |
| Assets per employee ($millions) | 6.3228% | 1,045 |
| Cash dividends to net income (ytd only)* | 38.8008% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 4,212 |
| Loan loss allowance to noncurrent loans | 131.1804% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 5,017 |
| Noncurrent loans to loans | 1.0949% | 4,240 |
| Net loans and leases to total assets | 47.4037% | 5,623 |
| Net loans and leases to deposits | 56.8061% | 5,556 |
| Net loans and leases to core deposits | 60.5041% | 5,504 |
| Total domestic deposits to total assets | 83.4482% | 4,459 |
| Equity capital to assets | 10.6798% | 3,627 |
| Core capital (leverage) ratio | 10.3057% | 3,157 |
| Tier 1 risk-based capital ratio | 13.7788% | 4,700 |
| Total risk-based capital ratio | 14.7158% | 4,860 |
| Memoranda: | ||
| Average total assets | $2,501,162,250 | 289 |
| Average earning assets | $2,347,742,500 | 277 |
| Average equity | $258,315,250 | 308 |
| Average total loans | $1,216,348,500 | 364 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 2,435 |
| Cost of funding earning assets | 0.5775% | 5,095 |
| Net interest margin | 4.2413% | 1,634 |
| Noninterest income to average assets | 0.4751% | 4,094 |
| Noninterest expense to average assets | 2.2125% | 5,963 |
| Loan and lease loss provision to assets | 0.1534% | 3,601 |
| Net operating income to assets | 1.4880% | 1,011 |
| Return on assets (ROA) | 1.4294% | 1,265 |
| Pretax return on assets | 2.0093% | 689 |
| Return on Equity (ROE) | 14.0010% | 1,121 |
| Retained earnings to average equity (ytd only) | 8.7153% | 1,369 |
| Net charge-offs to loans | 0.1096% | 4,088 |
| Credit loss provision to net charge-offs | 286.8066% | 1,021 |
| Earnings coverage of net charge-offs (x) | 41.9760% | 845 |
| Efficiency ratio | 49.6330% | 6,667 |
| Assets per employee ($millions) | 6.2482% | 1,096 |
| Cash dividends to net income (ytd only)* | 37.7525% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 4,614 |
| Loan loss allowance to noncurrent loans | 92.2700% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 4,660 |
| Noncurrent loans to loans | 1.4743% | 3,699 |
| Net loans and leases to total assets | 48.1902% | 5,592 |
| Net loans and leases to deposits | 57.8319% | 5,467 |
| Net loans and leases to core deposits | 61.5706% | 5,429 |
| Total domestic deposits to total assets | 83.3281% | 4,614 |
| Equity capital to assets | 10.4667% | 3,725 |
| Core capital (leverage) ratio | 10.1022% | 3,272 |
| Tier 1 risk-based capital ratio | 13.3851% | 4,912 |
| Total risk-based capital ratio | 14.2687% | 5,148 |
| Memoranda: | ||
| Average total assets | $2,493,956,330 | 289 |
| Average earning assets | $2,341,889,000 | 277 |
| Average equity | $254,610,670 | 310 |
| Average total loans | $1,217,359,330 | 363 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7856% | 2,688 |
| Cost of funding earning assets | 0.6096% | 5,056 |
| Net interest margin | 4.1760% | 1,832 |
| Noninterest income to average assets | 0.4431% | 4,346 |
| Noninterest expense to average assets | 2.2327% | 5,958 |
| Loan and lease loss provision to assets | 0.1533% | 3,458 |
| Net operating income to assets | 1.4087% | 1,208 |
| Return on assets (ROA) | 1.4102% | 1,353 |
| Pretax return on assets | 1.9878% | 751 |
| Return on Equity (ROE) | 13.9895% | 1,184 |
| Retained earnings to average equity (ytd only) | 8.7907% | 1,665 |
| Net charge-offs to loans | 0.1505% | 3,191 |
| Credit loss provision to net charge-offs | 208.7336% | 1,299 |
| Earnings coverage of net charge-offs (x) | 29.1245% | 942 |
| Efficiency ratio | 51.0711% | 6,607 |
| Assets per employee ($millions) | 6.5809% | 938 |
| Cash dividends to net income (ytd only)* | 37.1617% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,974 |
| Loan loss allowance to noncurrent loans | 91.4028% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 4,862 |
| Noncurrent loans to loans | 1.4331% | 3,961 |
| Net loans and leases to total assets | 47.1643% | 5,659 |
| Net loans and leases to deposits | 56.9860% | 5,487 |
| Net loans and leases to core deposits | 60.7041% | 5,462 |
| Total domestic deposits to total assets | 82.7646% | 5,021 |
| Equity capital to assets | 10.0515% | 4,064 |
| Core capital (leverage) ratio | 9.9361% | 3,449 |
| Tier 1 risk-based capital ratio | 13.5751% | 4,773 |
| Total risk-based capital ratio | 14.4502% | 5,039 |
| Memoranda: | ||
| Average total assets | $2,494,414,500 | 287 |
| Average earning assets | $2,346,639,500 | 275 |
| Average equity | $251,446,500 | 306 |
| Average total loans | $1,217,054,500 | 361 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0460% | 2,677 |
| Cost of funding earning assets | 0.8329% | 4,608 |
| Net interest margin | 4.2131% | 2,016 |
| Noninterest income to average assets | 0.4027% | 4,590 |
| Noninterest expense to average assets | 1.9992% | 6,674 |
| Loan and lease loss provision to assets | 0.1614% | 4,615 |
| Net operating income to assets | 1.5171% | 794 |
| Return on assets (ROA) | 1.5007% | 899 |
| Pretax return on assets | 2.1817% | 383 |
| Return on Equity (ROE) | 14.8804% | 763 |
| Retained earnings to average equity (ytd only) | 8.9272% | 828 |
| Net charge-offs to loans | 0.1853% | 4,661 |
| Credit loss provision to net charge-offs | 165.0842% | 1,645 |
| Earnings coverage of net charge-offs (x) | 24.2054% | 996 |
| Efficiency ratio | 45.7885% | 7,057 |
| Assets per employee ($millions) | 6.3447% | 1,032 |
| Cash dividends to net income (ytd only)* | 40.0067% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 5,173 |
| Loan loss allowance to noncurrent loans | 79.6279% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 4,731 |
| Noncurrent loans to loans | 1.5690% | 3,805 |
| Net loans and leases to total assets | 49.1963% | 5,695 |
| Net loans and leases to deposits | 59.8873% | 5,494 |
| Net loans and leases to core deposits | 63.8793% | 5,476 |
| Total domestic deposits to total assets | 82.1480% | 5,079 |
| Equity capital to assets | 10.1101% | 4,025 |
| Core capital (leverage) ratio | 9.9140% | 3,435 |
| Tier 1 risk-based capital ratio | 13.3417% | 4,812 |
| Total risk-based capital ratio | 14.1938% | 5,097 |
| Memoranda: | ||
| Average total assets | $2,369,490,000 | 295 |
| Average earning assets | $2,229,042,800 | 281 |
| Average equity | $238,965,200 | 305 |
| Average total loans | $1,250,678,600 | 344 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1205% | 2,512 |
| Cost of funding earning assets | 0.8806% | 4,547 |
| Net interest margin | 4.2399% | 1,948 |
| Noninterest income to average assets | 0.4138% | 4,556 |
| Noninterest expense to average assets | 2.0182% | 6,657 |
| Loan and lease loss provision to assets | 0.1812% | 4,221 |
| Net operating income to assets | 1.4985% | 932 |
| Return on assets (ROA) | 1.4779% | 1,067 |
| Pretax return on assets | 2.1708% | 453 |
| Return on Equity (ROE) | 14.6638% | 904 |
| Retained earnings to average equity (ytd only) | 8.9176% | 1,173 |
| Net charge-offs to loans | 0.1840% | 4,327 |
| Credit loss provision to net charge-offs | 183.8524% | 1,606 |
| Earnings coverage of net charge-offs (x) | 24.1776% | 1,087 |
| Efficiency ratio | 45.8640% | 7,068 |
| Assets per employee ($millions) | 6.3894% | 996 |
| Cash dividends to net income (ytd only)* | 39.1864% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 5,141 |
| Loan loss allowance to noncurrent loans | 88.8863% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.9423% | 4,870 |
| Noncurrent loans to loans | 1.4311% | 4,143 |
| Net loans and leases to total assets | 48.6796% | 5,875 |
| Net loans and leases to deposits | 59.7129% | 5,665 |
| Net loans and leases to core deposits | 63.9375% | 5,622 |
| Total domestic deposits to total assets | 81.5228% | 5,251 |
| Equity capital to assets | 10.1755% | 4,126 |
| Core capital (leverage) ratio | 9.9260% | 3,537 |
| Tier 1 risk-based capital ratio | 13.0937% | 5,026 |
| Total risk-based capital ratio | 13.9467% | 5,311 |
| Memoranda: | ||
| Average total assets | $2,346,425,500 | 300 |
| Average earning assets | $2,206,294,750 | 284 |
| Average equity | $236,485,500 | 312 |
| Average total loans | $1,256,745,750 | 342 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2154% | 2,203 |
| Cost of funding earning assets | 0.8960% | 4,703 |
| Net interest margin | 4.3194% | 1,602 |
| Noninterest income to average assets | 0.4180% | 4,531 |
| Noninterest expense to average assets | 2.0255% | 6,737 |
| Loan and lease loss provision to assets | 0.2201% | 3,716 |
| Net operating income to assets | 1.5162% | 856 |
| Return on assets (ROA) | 1.5177% | 916 |
| Pretax return on assets | 2.2340% | 388 |
| Return on Equity (ROE) | 15.1101% | 785 |
| Retained earnings to average equity (ytd only) | 9.4112% | 984 |
| Net charge-offs to loans | 0.1941% | 3,989 |
| Credit loss provision to net charge-offs | 205.9774% | 1,463 |
| Earnings coverage of net charge-offs (x) | 22.9443% | 1,106 |
| Efficiency ratio | 45.2402% | 7,191 |
| Assets per employee ($millions) | 6.1535% | 1,093 |
| Cash dividends to net income (ytd only)* | 37.7161% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 5,474 |
| Loan loss allowance to noncurrent loans | 134.4892% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7135% | 5,478 |
| Noncurrent loans to loans | 0.9057% | 5,152 |
| Net loans and leases to total assets | 52.1876% | 5,547 |
| Net loans and leases to deposits | 64.7180% | 5,184 |
| Net loans and leases to core deposits | 69.2352% | 5,157 |
| Total domestic deposits to total assets | 80.6384% | 5,639 |
| Equity capital to assets | 10.2278% | 3,847 |
| Core capital (leverage) ratio | 9.9962% | 3,271 |
| Tier 1 risk-based capital ratio | 12.8027% | 5,093 |
| Total risk-based capital ratio | 13.6465% | 5,423 |
| Memoranda: | ||
| Average total assets | $2,317,119,670 | 310 |
| Average earning assets | $2,177,566,670 | 291 |
| Average equity | $232,745,000 | 316 |
| Average total loans | $1,275,562,000 | 346 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1876% | 2,265 |
| Cost of funding earning assets | 0.9074% | 4,866 |
| Net interest margin | 4.2802% | 1,622 |
| Noninterest income to average assets | 0.4034% | 4,675 |
| Noninterest expense to average assets | 2.0252% | 6,788 |
| Loan and lease loss provision to assets | 0.2217% | 3,442 |
| Net operating income to assets | 1.4815% | 905 |
| Return on assets (ROA) | 1.4829% | 947 |
| Pretax return on assets | 2.1842% | 410 |
| Return on Equity (ROE) | 14.9020% | 834 |
| Retained earnings to average equity (ytd only) | 9.1914% | 1,323 |
| Net charge-offs to loans | 0.0681% | 4,244 |
| Credit loss provision to net charge-offs | 579.5455% | 644 |
| Earnings coverage of net charge-offs (x) | 62.8364% | 473 |
| Efficiency ratio | 45.7265% | 7,215 |
| Assets per employee ($millions) | 5.9440% | 1,240 |
| Cash dividends to net income (ytd only)* | 38.3208% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 5,796 |
| Loan loss allowance to noncurrent loans | 145.7602% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 5,826 |
| Noncurrent loans to loans | 0.7962% | 5,438 |
| Net loans and leases to total assets | 54.6249% | 5,219 |
| Net loans and leases to deposits | 68.3947% | 4,624 |
| Net loans and leases to core deposits | 73.6574% | 4,570 |
| Total domestic deposits to total assets | 79.8672% | 5,977 |
| Equity capital to assets | 10.0353% | 3,736 |
| Core capital (leverage) ratio | 9.7573% | 3,439 |
| Tier 1 risk-based capital ratio | 12.6196% | 5,145 |
| Total risk-based capital ratio | 13.4580% | 5,503 |
| Memoranda: | ||
| Average total assets | $2,300,366,500 | 311 |
| Average earning assets | $2,163,530,500 | 296 |
| Average equity | $228,909,000 | 316 |
| Average total loans | $1,292,412,500 | 347 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6392% | 1,772 |
| Cost of funding earning assets | 1.0104% | 5,643 |
| Net interest margin | 4.6288% | 951 |
| Noninterest income to average assets | 0.5044% | 4,131 |
| Noninterest expense to average assets | 2.0473% | 6,949 |
| Loan and lease loss provision to assets | 0.2633% | 4,690 |
| Net operating income to assets | 1.7016% | 514 |
| Return on assets (ROA) | 1.5924% | 682 |
| Pretax return on assets | 2.3678% | 229 |
| Return on Equity (ROE) | 16.1104% | 573 |
| Retained earnings to average equity (ytd only) | 9.5957% | 586 |
| Net charge-offs to loans | 0.3889% | 4,094 |
| Credit loss provision to net charge-offs | 111.5074% | 3,935 |
| Earnings coverage of net charge-offs (x) | 11.8339% | 1,567 |
| Efficiency ratio | 42.2878% | 7,453 |
| Assets per employee ($millions) | 6.0386% | 1,180 |
| Cash dividends to net income (ytd only)* | 40.4377% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 6,110 |
| Loan loss allowance to noncurrent loans | 119.2404% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 5,673 |
| Noncurrent loans to loans | 0.8886% | 5,281 |
| Net loans and leases to total assets | 56.5085% | 5,257 |
| Net loans and leases to deposits | 70.8126% | 4,713 |
| Net loans and leases to core deposits | 76.6183% | 4,628 |
| Total domestic deposits to total assets | 79.8001% | 5,887 |
| Equity capital to assets | 9.8654% | 3,919 |
| Core capital (leverage) ratio | 10.1615% | 2,914 |
| Tier 1 risk-based capital ratio | 12.3158% | 5,191 |
| Total risk-based capital ratio | 13.0941% | 5,613 |
| Memoranda: | ||
| Average total assets | $2,149,458,800 | 332 |
| Average earning assets | $2,013,977,600 | 314 |
| Average equity | $212,459,200 | 333 |
| Average total loans | $1,305,090,000 | 353 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7119% | 1,681 |
| Cost of funding earning assets | 1.0196% | 5,846 |
| Net interest margin | 4.6922% | 858 |
| Noninterest income to average assets | 0.4657% | 4,445 |
| Noninterest expense to average assets | 2.0448% | 6,969 |
| Loan and lease loss provision to assets | 0.2447% | 4,643 |
| Net operating income to assets | 1.7252% | 595 |
| Return on assets (ROA) | 1.5759% | 851 |
| Pretax return on assets | 2.3451% | 305 |
| Return on Equity (ROE) | 15.9357% | 712 |
| Retained earnings to average equity (ytd only) | 9.3220% | 957 |
| Net charge-offs to loans | 0.2805% | 4,263 |
| Credit loss provision to net charge-offs | 141.4421% | 2,797 |
| Earnings coverage of net charge-offs (x) | 16.2567% | 1,389 |
| Efficiency ratio | 42.0961% | 7,525 |
| Assets per employee ($millions) | 5.9327% | 1,286 |
| Cash dividends to net income (ytd only)* | 41.5024% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 5,964 |
| Loan loss allowance to noncurrent loans | 124.7655% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 5,530 |
| Noncurrent loans to loans | 0.8781% | 5,470 |
| Net loans and leases to total assets | 58.6151% | 5,167 |
| Net loans and leases to deposits | 74.1546% | 4,478 |
| Net loans and leases to core deposits | 80.6552% | 4,424 |
| Total domestic deposits to total assets | 79.0445% | 6,008 |
| Equity capital to assets | 10.0016% | 4,155 |
| Core capital (leverage) ratio | 9.7445% | 3,564 |
| Tier 1 risk-based capital ratio | 12.1898% | 5,283 |
| Total risk-based capital ratio | 13.0128% | 5,648 |
| Memoranda: | ||
| Average total assets | $2,116,177,500 | 332 |
| Average earning assets | $1,980,636,500 | 319 |
| Average equity | $209,277,750 | 333 |
| Average total loans | $1,305,445,250 | 350 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7353% | 1,615 |
| Cost of funding earning assets | 1.0266% | 6,018 |
| Net interest margin | 4.7087% | 805 |
| Noninterest income to average assets | 0.4899% | 4,195 |
| Noninterest expense to average assets | 2.0537% | 7,013 |
| Loan and lease loss provision to assets | 0.2495% | 4,427 |
| Net operating income to assets | 1.7358% | 544 |
| Return on assets (ROA) | 1.5097% | 961 |
| Pretax return on assets | 2.2498% | 375 |
| Return on Equity (ROE) | 15.3278% | 798 |
| Retained earnings to average equity (ytd only) | 8.5852% | 1,233 |
| Net charge-offs to loans | 0.3231% | 3,707 |
| Credit loss provision to net charge-offs | 123.4568% | 3,273 |
| Earnings coverage of net charge-offs (x) | 14.0347% | 1,551 |
| Efficiency ratio | 41.9951% | 7,591 |
| Assets per employee ($millions) | 5.7212% | 1,433 |
| Cash dividends to net income (ytd only)* | 43.9896% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 6,256 |
| Loan loss allowance to noncurrent loans | 148.6891% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 5,952 |
| Noncurrent loans to loans | 0.6945% | 5,856 |
| Net loans and leases to total assets | 61.1427% | 4,850 |
| Net loans and leases to deposits | 77.4426% | 4,092 |
| Net loans and leases to core deposits | 85.4619% | 3,911 |
| Total domestic deposits to total assets | 78.9523% | 6,054 |
| Equity capital to assets | 9.8529% | 4,199 |
| Core capital (leverage) ratio | 9.7719% | 3,446 |
| Tier 1 risk-based capital ratio | 12.0263% | 5,285 |
| Total risk-based capital ratio | 12.8236% | 5,665 |
| Memoranda: | ||
| Average total assets | $2,083,933,330 | 333 |
| Average earning assets | $1,947,486,330 | 321 |
| Average equity | $205,261,330 | 339 |
| Average total loans | $1,303,438,000 | 353 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8580% | 1,303 |
| Cost of funding earning assets | 1.0528% | 6,127 |
| Net interest margin | 4.8052% | 638 |
| Noninterest income to average assets | 0.5145% | 3,937 |
| Noninterest expense to average assets | 1.9671% | 7,218 |
| Loan and lease loss provision to assets | 0.2536% | 4,015 |
| Net operating income to assets | 1.8435% | 456 |
| Return on assets (ROA) | 1.8415% | 502 |
| Pretax return on assets | 2.7775% | 164 |
| Return on Equity (ROE) | 18.6989% | 463 |
| Retained earnings to average equity (ytd only) | 11.8465% | 772 |
| Net charge-offs to loans | 0.4020% | 2,833 |
| Credit loss provision to net charge-offs | 100.2313% | 3,379 |
| Earnings coverage of net charge-offs (x) | 11.9915% | 1,604 |
| Efficiency ratio | 39.3314% | 7,748 |
| Assets per employee ($millions) | 5.4949% | 1,673 |
| Cash dividends to net income (ytd only)* | 36.6458% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 6,336 |
| Loan loss allowance to noncurrent loans | 187.7554% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 6,087 |
| Noncurrent loans to loans | 0.5469% | 6,199 |
| Net loans and leases to total assets | 61.0817% | 4,930 |
| Net loans and leases to deposits | 78.0589% | 4,027 |
| Net loans and leases to core deposits | 86.8829% | 3,772 |
| Total domestic deposits to total assets | 78.2508% | 6,253 |
| Equity capital to assets | 9.8821% | 4,017 |
| Core capital (leverage) ratio | 10.0374% | 3,120 |
| Tier 1 risk-based capital ratio | 12.2000% | 4,994 |
| Total risk-based capital ratio | 12.9907% | 5,400 |
| Memoranda: | ||
| Average total assets | $2,050,321,000 | 348 |
| Average earning assets | $1,914,524,500 | 333 |
| Average equity | $201,916,000 | 348 |
| Average total loans | $1,290,656,500 | 370 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2033% | 1,233 |
| Cost of funding earning assets | 1.2898% | 6,341 |
| Net interest margin | 4.9134% | 542 |
| Noninterest income to average assets | 0.4679% | 4,668 |
| Noninterest expense to average assets | 2.0788% | 7,232 |
| Loan and lease loss provision to assets | 0.3002% | 5,030 |
| Net operating income to assets | 1.7818% | 374 |
| Return on assets (ROA) | 1.7476% | 425 |
| Pretax return on assets | 2.6007% | 139 |
| Return on Equity (ROE) | 18.1809% | 352 |
| Retained earnings to average equity (ytd only) | 11.3435% | 261 |
| Net charge-offs to loans | 0.2679% | 4,942 |
| Credit loss provision to net charge-offs | 174.7512% | 2,404 |
| Earnings coverage of net charge-offs (x) | 17.1825% | 1,204 |
| Efficiency ratio | 41.3212% | 7,841 |
| Assets per employee ($millions) | 5.4690% | 1,671 |
| Cash dividends to net income (ytd only)* | 37.6078% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 6,249 |
| Loan loss allowance to noncurrent loans | 110.9806% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 5,481 |
| Noncurrent loans to loans | 0.9222% | 5,467 |
| Net loans and leases to total assets | 63.5715% | 4,684 |
| Net loans and leases to deposits | 81.3905% | 3,722 |
| Net loans and leases to core deposits | 97.9380% | 4,224 |
| Total domestic deposits to total assets | 78.1068% | 6,193 |
| Equity capital to assets | 9.8126% | 3,991 |
| Core capital (leverage) ratio | 9.8955% | 3,204 |
| Tier 1 risk-based capital ratio | 11.7086% | 5,188 |
| Total risk-based capital ratio | 12.4902% | 5,627 |
| Memoranda: | ||
| Average total assets | $1,871,940,800 | 376 |
| Average earning assets | $1,738,356,200 | 369 |
| Average equity | $179,936,400 | 382 |
| Average total loans | $1,200,293,400 | 407 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1872% | 1,407 |
| Cost of funding earning assets | 1.3335% | 6,456 |
| Net interest margin | 4.8537% | 617 |
| Noninterest income to average assets | 0.5355% | 4,193 |
| Noninterest expense to average assets | 2.1650% | 7,063 |
| Loan and lease loss provision to assets | 0.2232% | 5,187 |
| Net operating income to assets | 1.7837% | 464 |
| Return on assets (ROA) | 1.7375% | 551 |
| Pretax return on assets | 2.5813% | 172 |
| Return on Equity (ROE) | 18.1795% | 436 |
| Retained earnings to average equity (ytd only) | 11.7548% | 374 |
| Net charge-offs to loans | 0.2034% | 4,773 |
| Credit loss provision to net charge-offs | 171.2138% | 2,717 |
| Earnings coverage of net charge-offs (x) | 22.0412% | 1,178 |
| Efficiency ratio | 42.9695% | 7,863 |
| Assets per employee ($millions) | 5.4776% | 1,634 |
| Cash dividends to net income (ytd only)* | 35.3401% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 6,509 |
| Loan loss allowance to noncurrent loans | 170.0618% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 6,029 |
| Noncurrent loans to loans | 0.5623% | 6,186 |
| Net loans and leases to total assets | 64.4734% | 4,759 |
| Net loans and leases to deposits | 83.4430% | 3,748 |
| Net loans and leases to core deposits | 100.0115% | 4,370 |
| Total domestic deposits to total assets | 77.2663% | 6,275 |
| Equity capital to assets | 9.9411% | 4,161 |
| Core capital (leverage) ratio | 10.1513% | 3,115 |
| Tier 1 risk-based capital ratio | 11.6386% | 5,296 |
| Total risk-based capital ratio | 12.3676% | 5,792 |
| Memoranda: | ||
| Average total assets | $1,836,781,750 | 399 |
| Average earning assets | $1,704,071,000 | 391 |
| Average equity | $175,548,750 | 401 |
| Average total loans | $1,177,203,000 | 430 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1234% | 1,718 |
| Cost of funding earning assets | 1.3897% | 6,515 |
| Net interest margin | 4.7337% | 759 |
| Noninterest income to average assets | 0.5543% | 3,998 |
| Noninterest expense to average assets | 2.2038% | 7,044 |
| Loan and lease loss provision to assets | 0.1721% | 5,344 |
| Net operating income to assets | 1.7287% | 535 |
| Return on assets (ROA) | 1.7324% | 575 |
| Pretax return on assets | 2.5718% | 181 |
| Return on Equity (ROE) | 18.3920% | 461 |
| Retained earnings to average equity (ytd only) | 12.2727% | 404 |
| Net charge-offs to loans | 0.1974% | 4,300 |
| Credit loss provision to net charge-offs | 136.8049% | 3,417 |
| Earnings coverage of net charge-offs (x) | 21.7626% | 1,248 |
| Efficiency ratio | 44.5923% | 7,905 |
| Assets per employee ($millions) | 5.4458% | 1,627 |
| Cash dividends to net income (ytd only)* | 33.2714% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 6,587 |
| Loan loss allowance to noncurrent loans | 150.3075% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 5,986 |
| Noncurrent loans to loans | 0.6272% | 5,994 |
| Net loans and leases to total assets | 62.3331% | 5,301 |
| Net loans and leases to deposits | 80.0301% | 4,544 |
| Net loans and leases to core deposits | 96.9690% | 4,793 |
| Total domestic deposits to total assets | 77.8870% | 6,106 |
| Equity capital to assets | 9.7155% | 4,329 |
| Core capital (leverage) ratio | 10.2933% | 3,004 |
| Tier 1 risk-based capital ratio | 11.9557% | 4,957 |
| Total risk-based capital ratio | 12.6700% | 5,385 |
| Memoranda: | ||
| Average total assets | $1,800,858,000 | 412 |
| Average earning assets | $1,669,309,000 | 403 |
| Average equity | $169,628,330 | 419 |
| Average total loans | $1,147,662,670 | 459 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0723% | 2,062 |
| Cost of funding earning assets | 1.4504% | 6,573 |
| Net interest margin | 4.6218% | 905 |
| Noninterest income to average assets | 0.5123% | 4,207 |
| Noninterest expense to average assets | 2.2286% | 6,767 |
| Loan and lease loss provision to assets | 0.1768% | 4,693 |
| Net operating income to assets | 1.6069% | 779 |
| Return on assets (ROA) | 1.6069% | 852 |
| Pretax return on assets | 2.3739% | 319 |
| Return on Equity (ROE) | 17.3542% | 653 |
| Retained earnings to average equity (ytd only) | 11.6713% | 855 |
| Net charge-offs to loans | 0.1582% | 3,698 |
| Credit loss provision to net charge-offs | 174.1573% | 2,473 |
| Earnings coverage of net charge-offs (x) | 25.1303% | 1,217 |
| Efficiency ratio | 46.6307% | 7,815 |
| Assets per employee ($millions) | 5.2863% | 1,754 |
| Cash dividends to net income (ytd only)* | 32.7466% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 6,286 |
| Loan loss allowance to noncurrent loans | 145.1281% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 5,731 |
| Noncurrent loans to loans | 0.6783% | 5,709 |
| Net loans and leases to total assets | 62.0688% | 5,311 |
| Net loans and leases to deposits | 79.2332% | 4,735 |
| Net loans and leases to core deposits | 95.3219% | 5,033 |
| Total domestic deposits to total assets | 78.3368% | 5,913 |
| Equity capital to assets | 8.9421% | 5,421 |
| Core capital (leverage) ratio | 10.4861% | 2,945 |
| Tier 1 risk-based capital ratio | 12.4906% | 4,558 |
| Total risk-based capital ratio | 13.2540% | 4,846 |
| Memoranda: | ||
| Average total assets | $1,753,709,500 | 423 |
| Average earning assets | $1,619,103,000 | 415 |
| Average equity | $162,381,000 | 435 |
| Average total loans | $1,125,218,000 | 466 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1003% | 5,042 |
| Cost of funding earning assets | 1.7976% | 7,015 |
| Net interest margin | 4.3026% | 1,959 |
| Noninterest income to average assets | 0.5604% | 4,160 |
| Noninterest expense to average assets | 2.0070% | 7,425 |
| Loan and lease loss provision to assets | 0.1945% | 4,932 |
| Net operating income to assets | 1.5791% | 867 |
| Return on assets (ROA) | 1.5800% | 832 |
| Pretax return on assets | 2.3230% | 294 |
| Return on Equity (ROE) | 15.4678% | 857 |
| Retained earnings to average equity (ytd only) | 9.5623% | 514 |
| Net charge-offs to loans | 0.0885% | 5,478 |
| Credit loss provision to net charge-offs | 333.6921% | 1,352 |
| Earnings coverage of net charge-offs (x) | 43.1604% | 854 |
| Efficiency ratio | 44.3706% | 8,000 |
| Assets per employee ($millions) | 4.9548% | 1,988 |
| Cash dividends to net income (ytd only)* | 38.1792% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 6,272 |
| Loan loss allowance to noncurrent loans | 252.6488% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 6,114 |
| Noncurrent loans to loans | 0.3836% | 6,194 |
| Net loans and leases to total assets | 65.0956% | 5,036 |
| Net loans and leases to deposits | 84.9155% | 4,270 |
| Net loans and leases to core deposits | 98.7141% | 4,962 |
| Total domestic deposits to total assets | 76.6593% | 6,079 |
| Equity capital to assets | 9.5967% | 4,546 |
| Core capital (leverage) ratio | 10.8410% | 2,711 |
| Tier 1 risk-based capital ratio | 13.0975% | 4,059 |
| Total risk-based capital ratio | 13.8951% | 4,245 |
| Memoranda: | ||
| Average total assets | $1,593,446,000 | 440 |
| Average earning assets | $1,467,658,800 | 432 |
| Average equity | $162,763,600 | 437 |
| Average total loans | $1,049,881,800 | 474 |