Home > Byline Bank > Performance and Condition Ratios
Byline Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5374% | 339 |
| Cost of funding earning assets | 1.8719% | 1,120 |
| Net interest margin | 4.6655% | 492 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.5569% | 2,137 |
| Loan and lease loss provision to assets | 0.3900% | 250 |
| Net operating income to assets | 1.4749% | 1,068 |
| Return on assets (ROA) | 1.4854% | 1,014 |
| Pretax return on assets | 2.0064% | 665 |
| Return on Equity (ROE) | 12.5900% | 1,823 |
| Retained earnings to average equity (ytd only) | 8.8993% | 1,281 |
| Net charge-offs to loans | 0.3851% | 271 |
| Credit loss provision to net charge-offs | 139.7588% | 1,529 |
| Earnings coverage of net charge-offs (x) | 8.3270% | 2,353 |
| Efficiency ratio | 50.2107% | 3,968 |
| Assets per employee ($millions) | 8.4000% | 1,227 |
| Cash dividends to net income (ytd only)* | 29.2939% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,001 |
| Loan loss allowance to noncurrent loans | 158.6192% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 701 |
| Noncurrent loans to loans | 0.9565% | 774 |
| Net loans and leases to total assets | 74.4100% | 1,302 |
| Net loans and leases to deposits | 91.4662% | 1,144 |
| Net loans and leases to core deposits | 107.8551% | 1,042 |
| Total domestic deposits to total assets | 81.3500% | 3,247 |
| Equity capital to assets | 12.5419% | 980 |
| Core capital (leverage) ratio | 11.2968% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9680% | 2,253 |
| Memoranda: | ||
| Average total assets | $8,043,666,800 | 187 |
| Average earning assets | $7,338,134,200 | 183 |
| Average equity | $949,278,800 | 173 |
| Average total loans | $5,986,443,400 | 180 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4222% | 329 |
| Cost of funding earning assets | 1.7104% | 1,172 |
| Net interest margin | 4.7118% | 454 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.5950% | 1,959 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 1.4750% | 1,175 |
| Return on assets (ROA) | 1.4784% | 1,152 |
| Pretax return on assets | 1.9972% | 751 |
| Return on Equity (ROE) | 12.7500% | 1,953 |
| Retained earnings to average equity (ytd only) | 9.3049% | 1,605 |
| Net charge-offs to loans | 0.2495% | 355 |
| Credit loss provision to net charge-offs | 221.2459% | 1,058 |
| Earnings coverage of net charge-offs (x) | 13.0250% | 2,049 |
| Efficiency ratio | 50.3494% | 3,888 |
| Assets per employee ($millions) | 8.3874% | 1,171 |
| Cash dividends to net income (ytd only)* | 27.0423% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 890 |
| Loan loss allowance to noncurrent loans | 202.9883% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 982 |
| Noncurrent loans to loans | 0.7865% | 1,056 |
| Net loans and leases to total assets | 72.9300% | 1,474 |
| Net loans and leases to deposits | 93.1275% | 959 |
| Net loans and leases to core deposits | 110.8952% | 842 |
| Total domestic deposits to total assets | 78.3200% | 3,780 |
| Equity capital to assets | 11.7278% | 1,116 |
| Core capital (leverage) ratio | 11.2483% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8055% | 2,342 |
| Memoranda: | ||
| Average total assets | $7,836,994,500 | 194 |
| Average earning assets | $7,142,990,250 | 190 |
| Average equity | $908,469,750 | 179 |
| Average total loans | $5,807,476,500 | 184 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0893% | 399 |
| Cost of funding earning assets | 1.5002% | 1,241 |
| Net interest margin | 4.5891% | 542 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.5648% | 2,016 |
| Loan and lease loss provision to assets | 0.4200% | 195 |
| Net operating income to assets | 1.4540% | 1,203 |
| Return on assets (ROA) | 1.4660% | 1,164 |
| Pretax return on assets | 1.9798% | 769 |
| Return on Equity (ROE) | 12.7100% | 1,965 |
| Retained earnings to average equity (ytd only) | 9.9219% | 1,420 |
| Net charge-offs to loans | 0.1964% | 404 |
| Credit loss provision to net charge-offs | 297.5175% | 870 |
| Earnings coverage of net charge-offs (x) | 16.3683% | 1,830 |
| Efficiency ratio | 50.2670% | 3,906 |
| Assets per employee ($millions) | 7.6540% | 1,506 |
| Cash dividends to net income (ytd only)* | 21.9106% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 826 |
| Loan loss allowance to noncurrent loans | 242.1159% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 1,015 |
| Noncurrent loans to loans | 0.6839% | 1,095 |
| Net loans and leases to total assets | 72.8600% | 1,425 |
| Net loans and leases to deposits | 92.7119% | 969 |
| Net loans and leases to core deposits | 111.9824% | 747 |
| Total domestic deposits to total assets | 78.5800% | 3,776 |
| Equity capital to assets | 11.7045% | 1,132 |
| Core capital (leverage) ratio | 11.1179% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8918% | 2,337 |
| Memoranda: | ||
| Average total assets | $7,471,781,667 | 197 |
| Average earning assets | $6,816,801,333 | 192 |
| Average equity | $862,092,333 | 177 |
| Average total loans | $5,536,434,667 | 182 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9057% | 351 |
| Cost of funding earning assets | 1.3094% | 1,209 |
| Net interest margin | 4.5963% | 508 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 2.5653% | 2,062 |
| Loan and lease loss provision to assets | 0.5300% | 137 |
| Net operating income to assets | 1.3886% | 1,437 |
| Return on assets (ROA) | 1.4035% | 1,375 |
| Pretax return on assets | 1.8905% | 923 |
| Return on Equity (ROE) | 12.2500% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.4342% | 1,827 |
| Net charge-offs to loans | 0.0851% | 655 |
| Credit loss provision to net charge-offs | 829.3766% | 407 |
| Earnings coverage of net charge-offs (x) | 38.0811% | 1,209 |
| Efficiency ratio | 50.0818% | 3,926 |
| Assets per employee ($millions) | 7.7380% | 1,494 |
| Cash dividends to net income (ytd only)* | 23.0132% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 943 |
| Loan loss allowance to noncurrent loans | 194.3979% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 739 |
| Noncurrent loans to loans | 0.8394% | 909 |
| Net loans and leases to total assets | 72.5800% | 1,364 |
| Net loans and leases to deposits | 93.4206% | 823 |
| Net loans and leases to core deposits | 112.1737% | 637 |
| Total domestic deposits to total assets | 77.6900% | 4,031 |
| Equity capital to assets | 11.5327% | 1,143 |
| Core capital (leverage) ratio | 10.8539% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5549% | 2,556 |
| Memoranda: | ||
| Average total assets | $7,430,437,500 | 203 |
| Average earning assets | $6,774,761,500 | 198 |
| Average equity | $851,032,500 | 184 |
| Average total loans | $5,506,396,000 | 188 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 525 |
| Cost of funding earning assets | 0.4520% | 1,711 |
| Net interest margin | 4.2371% | 491 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 2.5564% | 1,951 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 1.3634% | 1,233 |
| Return on assets (ROA) | 1.3572% | 1,214 |
| Pretax return on assets | 1.7739% | 778 |
| Return on Equity (ROE) | 11.3500% | 2,363 |
| Retained earnings to average equity (ytd only) | 8.5049% | 1,641 |
| Net charge-offs to loans | 0.1561% | 530 |
| Credit loss provision to net charge-offs | 285.9269% | 932 |
| Earnings coverage of net charge-offs (x) | 18.8453% | 1,922 |
| Efficiency ratio | 52.6353% | 3,924 |
| Assets per employee ($millions) | 7.5511% | 1,585 |
| Cash dividends to net income (ytd only)* | 25.0917% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 1,212 |
| Loan loss allowance to noncurrent loans | 227.4024% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 907 |
| Noncurrent loans to loans | 0.6587% | 1,131 |
| Net loans and leases to total assets | 73.3200% | 1,278 |
| Net loans and leases to deposits | 94.1745% | 768 |
| Net loans and leases to core deposits | 107.0164% | 715 |
| Total domestic deposits to total assets | 77.8600% | 4,107 |
| Equity capital to assets | 11.3721% | 1,121 |
| Core capital (leverage) ratio | 10.6688% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3372% | 2,634 |
| Memoranda: | ||
| Average total assets | $7,047,349,000 | 212 |
| Average earning assets | $6,434,068,000 | 209 |
| Average equity | $842,440,600 | 185 |
| Average total loans | $5,078,811,600 | 191 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 641 |
| Cost of funding earning assets | 0.2905% | 2,276 |
| Net interest margin | 4.0685% | 546 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.5307% | 1,921 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 1.3695% | 1,174 |
| Return on assets (ROA) | 1.3504% | 1,189 |
| Pretax return on assets | 1.7685% | 785 |
| Return on Equity (ROE) | 11.1500% | 2,319 |
| Retained earnings to average equity (ytd only) | 8.3110% | 1,881 |
| Net charge-offs to loans | 0.1455% | 450 |
| Credit loss provision to net charge-offs | 277.3915% | 850 |
| Earnings coverage of net charge-offs (x) | 20.0193% | 1,714 |
| Efficiency ratio | 52.7707% | 3,946 |
| Assets per employee ($millions) | 7.4721% | 1,631 |
| Cash dividends to net income (ytd only)* | 25.4885% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,434 |
| Loan loss allowance to noncurrent loans | 161.2143% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 868 |
| Noncurrent loans to loans | 0.7554% | 1,073 |
| Net loans and leases to total assets | 72.2100% | 1,270 |
| Net loans and leases to deposits | 93.0049% | 698 |
| Net loans and leases to core deposits | 102.2459% | 733 |
| Total domestic deposits to total assets | 77.6400% | 4,285 |
| Equity capital to assets | 11.2619% | 1,077 |
| Core capital (leverage) ratio | 10.6913% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3481% | 2,705 |
| Memoranda: | ||
| Average total assets | $6,972,376,000 | 214 |
| Average earning assets | $6,370,244,750 | 214 |
| Average equity | $844,166,250 | 183 |
| Average total loans | $4,981,244,250 | 194 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 810 |
| Cost of funding earning assets | 0.1490% | 3,589 |
| Net interest margin | 3.9296% | 579 |
| Noninterest income to average assets | 0.9997% | 667 |
| Noninterest expense to average assets | 2.5359% | 1,820 |
| Loan and lease loss provision to assets | 0.3172% | 206 |
| Net operating income to assets | 1.3529% | 1,014 |
| Return on assets (ROA) | 1.3372% | 1,037 |
| Pretax return on assets | 1.7243% | 709 |
| Return on Equity (ROE) | 10.7798% | 2,059 |
| Retained earnings to average equity (ytd only) | 7.9659% | 1,634 |
| Net charge-offs to loans | 0.1428% | 456 |
| Credit loss provision to net charge-offs | 313.3947% | 787 |
| Earnings coverage of net charge-offs (x) | 20.3685% | 1,551 |
| Efficiency ratio | 52.9707% | 4,049 |
| Assets per employee ($millions) | 7.3917% | 1,676 |
| Cash dividends to net income (ytd only)* | 26.1034% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,662 |
| Loan loss allowance to noncurrent loans | 157.4083% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 887 |
| Noncurrent loans to loans | 0.7649% | 1,125 |
| Net loans and leases to total assets | 71.9692% | 1,103 |
| Net loans and leases to deposits | 94.5387% | 494 |
| Net loans and leases to core deposits | 103.6373% | 525 |
| Total domestic deposits to total assets | 76.1268% | 4,452 |
| Equity capital to assets | 11.6845% | 967 |
| Core capital (leverage) ratio | 10.6793% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3375% | 2,720 |
| Memoranda: | ||
| Average total assets | $6,875,538,667 | 214 |
| Average earning assets | $6,294,544,667 | 216 |
| Average equity | $852,908,667 | 181 |
| Average total loans | $4,871,843,667 | 193 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 791 |
| Cost of funding earning assets | 0.0950% | 4,198 |
| Net interest margin | 3.8956% | 506 |
| Noninterest income to average assets | 1.1505% | 517 |
| Noninterest expense to average assets | 2.5951% | 1,620 |
| Loan and lease loss provision to assets | 0.2958% | 210 |
| Net operating income to assets | 1.4243% | 752 |
| Return on assets (ROA) | 1.4226% | 750 |
| Pretax return on assets | 1.8313% | 511 |
| Return on Equity (ROE) | 11.1277% | 1,570 |
| Retained earnings to average equity (ytd only) | 8.3484% | 1,472 |
| Net charge-offs to loans | 0.0466% | 829 |
| Credit loss provision to net charge-offs | 909.8361% | 359 |
| Earnings coverage of net charge-offs (x) | 65.4863% | 820 |
| Efficiency ratio | 52.9309% | 4,130 |
| Assets per employee ($millions) | 6.9551% | 2,024 |
| Cash dividends to net income (ytd only)* | 24.9771% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,692 |
| Loan loss allowance to noncurrent loans | 199.9059% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 1,298 |
| Noncurrent loans to loans | 0.6160% | 1,520 |
| Net loans and leases to total assets | 69.8982% | 1,034 |
| Net loans and leases to deposits | 85.6276% | 768 |
| Net loans and leases to core deposits | 90.6010% | 898 |
| Total domestic deposits to total assets | 81.6305% | 4,124 |
| Equity capital to assets | 12.4447% | 825 |
| Core capital (leverage) ratio | 10.9676% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8143% | 2,672 |
| Memoranda: | ||
| Average total assets | $6,754,205,000 | 223 |
| Average earning assets | $6,196,390,000 | 220 |
| Average equity | $863,499,000 | 187 |
| Average total loans | $4,715,088,000 | 199 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 1,127 |
| Cost of funding earning assets | 0.1014% | 4,374 |
| Net interest margin | 4.0172% | 684 |
| Noninterest income to average assets | 1.0949% | 861 |
| Noninterest expense to average assets | 2.7639% | 1,444 |
| Loan and lease loss provision to assets | 0.0221% | 2,631 |
| Net operating income to assets | 1.4814% | 1,058 |
| Return on assets (ROA) | 1.4965% | 1,079 |
| Pretax return on assets | 2.0027% | 600 |
| Return on Equity (ROE) | 11.6385% | 1,934 |
| Retained earnings to average equity (ytd only) | 8.8136% | 1,251 |
| Net charge-offs to loans | 0.2832% | 315 |
| Credit loss provision to net charge-offs | 11.3899% | 2,302 |
| Earnings coverage of net charge-offs (x) | 10.3598% | 2,211 |
| Efficiency ratio | 55.7045% | 3,734 |
| Assets per employee ($millions) | 6.9136% | 1,979 |
| Cash dividends to net income (ytd only)* | 24.2721% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 2,905 |
| Loan loss allowance to noncurrent loans | 166.7687% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 1,272 |
| Noncurrent loans to loans | 0.7169% | 1,418 |
| Net loans and leases to total assets | 68.0071% | 1,266 |
| Net loans and leases to deposits | 87.2218% | 698 |
| Net loans and leases to core deposits | 91.0723% | 922 |
| Total domestic deposits to total assets | 77.9703% | 4,393 |
| Equity capital to assets | 13.1315% | 864 |
| Core capital (leverage) ratio | 10.8713% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3812% | 2,497 |
| Memoranda: | ||
| Average total assets | $6,607,407,800 | 213 |
| Average earning assets | $6,043,944,600 | 213 |
| Average equity | $849,587,200 | 189 |
| Average total loans | $4,517,070,800 | 203 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 1,353 |
| Cost of funding earning assets | 0.1056% | 4,453 |
| Net interest margin | 3.9743% | 831 |
| Noninterest income to average assets | 1.0793% | 949 |
| Noninterest expense to average assets | 2.5135% | 2,080 |
| Loan and lease loss provision to assets | 0.0557% | 1,868 |
| Net operating income to assets | 1.5994% | 1,035 |
| Return on assets (ROA) | 1.6233% | 1,023 |
| Pretax return on assets | 2.1727% | 578 |
| Return on Equity (ROE) | 12.6930% | 1,803 |
| Retained earnings to average equity (ytd only) | 10.1610% | 1,273 |
| Net charge-offs to loans | 0.2520% | 326 |
| Credit loss provision to net charge-offs | 32.3567% | 1,945 |
| Earnings coverage of net charge-offs (x) | 12.7793% | 1,942 |
| Efficiency ratio | 51.0548% | 4,119 |
| Assets per employee ($millions) | 6.9228% | 1,922 |
| Cash dividends to net income (ytd only)* | 19.9484% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,479 |
| Loan loss allowance to noncurrent loans | 102.7886% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 730 |
| Noncurrent loans to loans | 1.2658% | 869 |
| Net loans and leases to total assets | 68.6704% | 1,240 |
| Net loans and leases to deposits | 88.1583% | 708 |
| Net loans and leases to core deposits | 92.0581% | 923 |
| Total domestic deposits to total assets | 77.8944% | 4,436 |
| Equity capital to assets | 12.9802% | 987 |
| Core capital (leverage) ratio | 11.2353% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5000% | 2,547 |
| Memoranda: | ||
| Average total assets | $6,587,899,250 | 214 |
| Average earning assets | $6,020,861,000 | 214 |
| Average equity | $842,509,250 | 189 |
| Average total loans | $4,495,941,500 | 204 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 1,430 |
| Cost of funding earning assets | 0.1151% | 4,472 |
| Net interest margin | 3.9451% | 901 |
| Noninterest income to average assets | 1.0501% | 996 |
| Noninterest expense to average assets | 2.4477% | 2,316 |
| Loan and lease loss provision to assets | 0.0732% | 1,609 |
| Net operating income to assets | 1.5894% | 1,071 |
| Return on assets (ROA) | 1.6289% | 1,043 |
| Pretax return on assets | 2.1817% | 596 |
| Return on Equity (ROE) | 12.8020% | 1,782 |
| Retained earnings to average equity (ytd only) | 10.8828% | 1,150 |
| Net charge-offs to loans | 0.3163% | 269 |
| Credit loss provision to net charge-offs | 34.1304% | 1,684 |
| Earnings coverage of net charge-offs (x) | 10.2815% | 1,806 |
| Efficiency ratio | 50.2496% | 4,218 |
| Assets per employee ($millions) | 6.9332% | 1,857 |
| Cash dividends to net income (ytd only)* | 14.9911% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 2,091 |
| Loan loss allowance to noncurrent loans | 115.1538% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 873 |
| Noncurrent loans to loans | 1.1925% | 1,007 |
| Net loans and leases to total assets | 67.8726% | 1,460 |
| Net loans and leases to deposits | 85.9744% | 914 |
| Net loans and leases to core deposits | 89.7913% | 1,152 |
| Total domestic deposits to total assets | 78.9451% | 4,350 |
| Equity capital to assets | 13.0868% | 920 |
| Core capital (leverage) ratio | 10.7287% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2248% | 2,280 |
| Memoranda: | ||
| Average total assets | $6,552,432,000 | 215 |
| Average earning assets | $5,983,391,000 | 214 |
| Average equity | $833,701,000 | 189 |
| Average total loans | $4,442,055,333 | 207 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0252% | 1,558 |
| Cost of funding earning assets | 0.1281% | 4,474 |
| Net interest margin | 3.8971% | 989 |
| Noninterest income to average assets | 0.8592% | 1,430 |
| Noninterest expense to average assets | 2.3171% | 2,733 |
| Loan and lease loss provision to assets | 0.2662% | 371 |
| Net operating income to assets | 1.3604% | 1,659 |
| Return on assets (ROA) | 1.4208% | 1,594 |
| Pretax return on assets | 1.9023% | 1,113 |
| Return on Equity (ROE) | 11.3280% | 2,259 |
| Retained earnings to average equity (ytd only) | 10.3562% | 1,558 |
| Net charge-offs to loans | 0.4641% | 178 |
| Credit loss provision to net charge-offs | 85.2264% | 1,188 |
| Earnings coverage of net charge-offs (x) | 6.6987% | 1,639 |
| Efficiency ratio | 50.1362% | 4,176 |
| Assets per employee ($millions) | 7.3369% | 1,568 |
| Cash dividends to net income (ytd only)* | 8.5789% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 1,731 |
| Loan loss allowance to noncurrent loans | 121.6477% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8879% | 980 |
| Noncurrent loans to loans | 1.2027% | 1,094 |
| Net loans and leases to total assets | 65.5182% | 1,861 |
| Net loans and leases to deposits | 86.6130% | 916 |
| Net loans and leases to core deposits | 91.3271% | 1,151 |
| Total domestic deposits to total assets | 75.6447% | 4,602 |
| Equity capital to assets | 12.1771% | 1,214 |
| Core capital (leverage) ratio | 10.6763% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1743% | 2,220 |
| Memoranda: | ||
| Average total assets | $6,563,129,000 | 217 |
| Average earning assets | $5,978,248,500 | 214 |
| Average equity | $823,200,000 | 190 |
| Average total loans | $4,415,831,500 | 212 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 1,867 |
| Cost of funding earning assets | 0.3580% | 3,827 |
| Net interest margin | 3.9436% | 1,105 |
| Noninterest income to average assets | 0.8517% | 1,390 |
| Noninterest expense to average assets | 2.6845% | 2,285 |
| Loan and lease loss provision to assets | 0.9170% | 122 |
| Net operating income to assets | 0.6058% | 3,738 |
| Return on assets (ROA) | 0.6839% | 3,613 |
| Pretax return on assets | 0.9436% | 3,242 |
| Return on Equity (ROE) | 5.2334% | 3,839 |
| Retained earnings to average equity (ytd only) | 4.2928% | 2,653 |
| Net charge-offs to loans | 0.5168% | 303 |
| Credit loss provision to net charge-offs | 259.7688% | 1,889 |
| Earnings coverage of net charge-offs (x) | 4.9908% | 2,916 |
| Efficiency ratio | 57.5661% | 3,784 |
| Assets per employee ($millions) | 6.9539% | 1,617 |
| Cash dividends to net income (ytd only)* | 17.9735% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 1,498 |
| Loan loss allowance to noncurrent loans | 98.7836% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1516% | 773 |
| Noncurrent loans to loans | 1.5445% | 858 |
| Net loans and leases to total assets | 67.0791% | 1,940 |
| Net loans and leases to deposits | 88.5680% | 1,036 |
| Net loans and leases to core deposits | 95.8329% | 1,127 |
| Total domestic deposits to total assets | 75.7373% | 4,524 |
| Equity capital to assets | 12.9291% | 1,120 |
| Core capital (leverage) ratio | 10.7229% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1649% | 2,181 |
| Memoranda: | ||
| Average total assets | $6,101,452,400 | 216 |
| Average earning assets | $5,561,383,800 | 216 |
| Average equity | $797,334,000 | 189 |
| Average total loans | $4,167,425,800 | 215 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 1,986 |
| Cost of funding earning assets | 0.4269% | 3,660 |
| Net interest margin | 3.9154% | 1,317 |
| Noninterest income to average assets | 0.9007% | 1,221 |
| Noninterest expense to average assets | 2.6580% | 2,368 |
| Loan and lease loss provision to assets | 1.0106% | 133 |
| Net operating income to assets | 0.5726% | 3,853 |
| Return on assets (ROA) | 0.6200% | 3,807 |
| Pretax return on assets | 0.8664% | 3,472 |
| Return on Equity (ROE) | 4.7312% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.4660% | 3,322 |
| Net charge-offs to loans | 0.5302% | 278 |
| Credit loss provision to net charge-offs | 278.8909% | 1,830 |
| Earnings coverage of net charge-offs (x) | 5.0144% | 2,770 |
| Efficiency ratio | 56.5639% | 3,853 |
| Assets per employee ($millions) | 6.7325% | 1,659 |
| Cash dividends to net income (ytd only)* | 26.7427% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 1,798 |
| Loan loss allowance to noncurrent loans | 87.7748% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.2009% | 836 |
| Noncurrent loans to loans | 1.5777% | 899 |
| Net loans and leases to total assets | 67.2149% | 2,359 |
| Net loans and leases to deposits | 89.0669% | 1,362 |
| Net loans and leases to core deposits | 96.4131% | 1,421 |
| Total domestic deposits to total assets | 75.4656% | 4,471 |
| Equity capital to assets | 12.5172% | 1,418 |
| Core capital (leverage) ratio | 10.4881% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5034% | 1,999 |
| Memoranda: | ||
| Average total assets | $6,030,895,500 | 214 |
| Average earning assets | $5,505,607,500 | 217 |
| Average equity | $790,329,750 | 189 |
| Average total loans | $4,122,167,500 | 217 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 1,870 |
| Cost of funding earning assets | 0.5378% | 3,301 |
| Net interest margin | 3.9785% | 1,378 |
| Noninterest income to average assets | 0.6775% | 1,821 |
| Noninterest expense to average assets | 2.6919% | 2,406 |
| Loan and lease loss provision to assets | 1.0199% | 199 |
| Net operating income to assets | 0.4230% | 4,180 |
| Return on assets (ROA) | 0.4639% | 4,166 |
| Pretax return on assets | 0.6466% | 3,977 |
| Return on Equity (ROE) | 3.4826% | 4,250 |
| Retained earnings to average equity (ytd only) | 1.5668% | 3,915 |
| Net charge-offs to loans | 0.5276% | 302 |
| Credit loss provision to net charge-offs | 282.5243% | 1,667 |
| Earnings coverage of net charge-offs (x) | 4.4729% | 2,598 |
| Efficiency ratio | 59.5168% | 3,481 |
| Assets per employee ($millions) | 6.4918% | 1,783 |
| Cash dividends to net income (ytd only)* | 55.0095% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 2,688 |
| Loan loss allowance to noncurrent loans | 73.2721% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.2315% | 877 |
| Noncurrent loans to loans | 1.5933% | 929 |
| Net loans and leases to total assets | 67.9858% | 2,353 |
| Net loans and leases to deposits | 86.4801% | 1,718 |
| Net loans and leases to core deposits | 96.0512% | 1,579 |
| Total domestic deposits to total assets | 78.6144% | 4,093 |
| Equity capital to assets | 12.4925% | 1,379 |
| Core capital (leverage) ratio | 9.8543% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2088% | 2,100 |
| Memoranda: | ||
| Average total assets | $5,877,829,333 | 215 |
| Average earning assets | $5,361,510,333 | 219 |
| Average equity | $782,980,667 | 191 |
| Average total loans | $4,021,701,333 | 220 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 1,068 |
| Cost of funding earning assets | 0.7592% | 2,613 |
| Net interest margin | 4.1882% | 945 |
| Noninterest income to average assets | 0.5697% | 2,180 |
| Noninterest expense to average assets | 3.0425% | 1,777 |
| Loan and lease loss provision to assets | 1.0283% | 207 |
| Net operating income to assets | 0.2197% | 4,496 |
| Return on assets (ROA) | 0.2621% | 4,450 |
| Pretax return on assets | 0.3566% | 4,372 |
| Return on Equity (ROE) | 1.9008% | 4,466 |
| Retained earnings to average equity (ytd only) | -0.1625% | 4,019 |
| Net charge-offs to loans | 0.4746% | 308 |
| Credit loss provision to net charge-offs | 317.6225% | 1,134 |
| Earnings coverage of net charge-offs (x) | 4.1116% | 2,158 |
| Efficiency ratio | 66.4856% | 2,888 |
| Assets per employee ($millions) | 5.7812% | 1,859 |
| Cash dividends to net income (ytd only)* | 108.5482% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,309 |
| Loan loss allowance to noncurrent loans | 55.5460% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.4766% | 733 |
| Noncurrent loans to loans | 1.9446% | 746 |
| Net loans and leases to total assets | 66.8814% | 2,711 |
| Net loans and leases to deposits | 90.0925% | 1,502 |
| Net loans and leases to core deposits | 99.9575% | 1,477 |
| Total domestic deposits to total assets | 74.2364% | 4,641 |
| Equity capital to assets | 13.6345% | 1,167 |
| Core capital (leverage) ratio | 10.6956% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9286% | 2,322 |
| Memoranda: | ||
| Average total assets | $5,622,803,000 | 215 |
| Average earning assets | $5,107,054,500 | 219 |
| Average equity | $775,467,500 | 194 |
| Average total loans | $3,835,475,500 | 221 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5637% | 502 |
| Cost of funding earning assets | 0.9569% | 1,922 |
| Net interest margin | 4.6069% | 564 |
| Noninterest income to average assets | 1.0072% | 957 |
| Noninterest expense to average assets | 3.2726% | 1,353 |
| Loan and lease loss provision to assets | 0.3940% | 368 |
| Net operating income to assets | 1.1111% | 2,398 |
| Return on assets (ROA) | 1.1497% | 2,356 |
| Pretax return on assets | 1.5609% | 1,615 |
| Return on Equity (ROE) | 8.3353% | 3,028 |
| Retained earnings to average equity (ytd only) | 6.4733% | 1,622 |
| Net charge-offs to loans | 0.3755% | 530 |
| Credit loss provision to net charge-offs | 148.2001% | 1,733 |
| Earnings coverage of net charge-offs (x) | 7.1702% | 2,897 |
| Efficiency ratio | 60.3519% | 3,638 |
| Assets per employee ($millions) | 5.5110% | 2,047 |
| Cash dividends to net income (ytd only)* | 22.3392% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 4,186 |
| Loan loss allowance to noncurrent loans | 53.3734% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 885 |
| Noncurrent loans to loans | 1.5757% | 895 |
| Net loans and leases to total assets | 68.2583% | 2,645 |
| Net loans and leases to deposits | 90.4952% | 1,535 |
| Net loans and leases to core deposits | 97.9486% | 1,731 |
| Total domestic deposits to total assets | 75.4275% | 4,664 |
| Equity capital to assets | 13.9545% | 1,113 |
| Core capital (leverage) ratio | 10.9197% | 2,574 |
| Tier 1 risk-based capital ratio | 13.1104% | 3,738 |
| Total risk-based capital ratio | 13.8722% | 3,880 |
| Memoranda: | ||
| Average total assets | $5,256,486,400 | 216 |
| Average earning assets | $4,759,666,400 | 216 |
| Average equity | $725,014,400 | 197 |
| Average total loans | $3,721,361,800 | 219 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6419% | 458 |
| Cost of funding earning assets | 0.9712% | 1,886 |
| Net interest margin | 4.6707% | 522 |
| Noninterest income to average assets | 0.9909% | 953 |
| Noninterest expense to average assets | 3.2819% | 1,306 |
| Loan and lease loss provision to assets | 0.4192% | 311 |
| Net operating income to assets | 1.0935% | 2,597 |
| Return on assets (ROA) | 1.1379% | 2,508 |
| Pretax return on assets | 1.5748% | 1,719 |
| Return on Equity (ROE) | 8.2757% | 3,206 |
| Retained earnings to average equity (ytd only) | 6.7814% | 1,964 |
| Net charge-offs to loans | 0.3579% | 473 |
| Credit loss provision to net charge-offs | 164.2447% | 1,527 |
| Earnings coverage of net charge-offs (x) | 7.5933% | 2,729 |
| Efficiency ratio | 60.0525% | 3,635 |
| Assets per employee ($millions) | 5.4113% | 2,113 |
| Cash dividends to net income (ytd only)* | 18.0562% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 4,339 |
| Loan loss allowance to noncurrent loans | 51.3661% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.2888% | 945 |
| Noncurrent loans to loans | 1.6020% | 922 |
| Net loans and leases to total assets | 70.0663% | 2,459 |
| Net loans and leases to deposits | 93.1127% | 1,306 |
| Net loans and leases to core deposits | 100.8984% | 1,586 |
| Total domestic deposits to total assets | 75.2489% | 4,721 |
| Equity capital to assets | 13.9927% | 1,160 |
| Core capital (leverage) ratio | 10.7427% | 2,897 |
| Tier 1 risk-based capital ratio | 12.9647% | 3,868 |
| Total risk-based capital ratio | 13.7237% | 4,041 |
| Memoranda: | ||
| Average total assets | $5,191,486,500 | 219 |
| Average earning assets | $4,700,407,750 | 219 |
| Average equity | $713,818,750 | 202 |
| Average total loans | $3,702,354,000 | 223 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5127% | 556 |
| Cost of funding earning assets | 0.9393% | 1,967 |
| Net interest margin | 4.5734% | 654 |
| Noninterest income to average assets | 0.9345% | 991 |
| Noninterest expense to average assets | 3.2465% | 1,412 |
| Loan and lease loss provision to assets | 0.4066% | 297 |
| Net operating income to assets | 1.0307% | 2,802 |
| Return on assets (ROA) | 1.0933% | 2,621 |
| Pretax return on assets | 1.5118% | 1,817 |
| Return on Equity (ROE) | 8.0011% | 3,294 |
| Retained earnings to average equity (ytd only) | 6.7124% | 1,945 |
| Net charge-offs to loans | 0.2439% | 692 |
| Credit loss provision to net charge-offs | 233.0119% | 1,083 |
| Earnings coverage of net charge-offs (x) | 10.5405% | 2,264 |
| Efficiency ratio | 60.9649% | 3,584 |
| Assets per employee ($millions) | 5.3702% | 2,082 |
| Cash dividends to net income (ytd only)* | 16.1071% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 4,431 |
| Loan loss allowance to noncurrent loans | 56.4456% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.1738% | 1,148 |
| Noncurrent loans to loans | 1.4209% | 1,088 |
| Net loans and leases to total assets | 71.4865% | 2,292 |
| Net loans and leases to deposits | 94.6870% | 1,184 |
| Net loans and leases to core deposits | 101.5184% | 1,594 |
| Total domestic deposits to total assets | 75.4976% | 4,725 |
| Equity capital to assets | 13.8219% | 1,191 |
| Core capital (leverage) ratio | 10.5711% | 3,011 |
| Tier 1 risk-based capital ratio | 12.6032% | 4,074 |
| Total risk-based capital ratio | 13.3488% | 4,250 |
| Memoranda: | ||
| Average total assets | $5,110,992,000 | 224 |
| Average earning assets | $4,639,129,330 | 222 |
| Average equity | $698,352,330 | 204 |
| Average total loans | $3,657,050,000 | 226 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 634 |
| Cost of funding earning assets | 0.9050% | 1,974 |
| Net interest margin | 4.4946% | 748 |
| Noninterest income to average assets | 0.9112% | 1,021 |
| Noninterest expense to average assets | 3.2384% | 1,409 |
| Loan and lease loss provision to assets | 0.3216% | 384 |
| Net operating income to assets | 1.0417% | 2,688 |
| Return on assets (ROA) | 1.0734% | 2,618 |
| Pretax return on assets | 1.4825% | 1,830 |
| Return on Equity (ROE) | 7.9054% | 3,308 |
| Retained earnings to average equity (ytd only) | 6.7207% | 2,152 |
| Net charge-offs to loans | 0.2363% | 609 |
| Credit loss provision to net charge-offs | 190.9742% | 1,079 |
| Earnings coverage of net charge-offs (x) | 10.4742% | 1,961 |
| Efficiency ratio | 61.8856% | 3,551 |
| Assets per employee ($millions) | 5.4010% | 2,070 |
| Cash dividends to net income (ytd only)* | 14.9858% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7597% | 4,634 |
| Loan loss allowance to noncurrent loans | 56.7178% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 1,322 |
| Noncurrent loans to loans | 1.3394% | 1,215 |
| Net loans and leases to total assets | 70.7239% | 2,376 |
| Net loans and leases to deposits | 92.4985% | 1,339 |
| Net loans and leases to core deposits | 99.4810% | 1,665 |
| Total domestic deposits to total assets | 76.4595% | 4,713 |
| Equity capital to assets | 13.6482% | 1,157 |
| Core capital (leverage) ratio | 10.6682% | 2,876 |
| Tier 1 risk-based capital ratio | 12.8450% | 3,958 |
| Total risk-based capital ratio | 13.5519% | 4,158 |
| Memoranda: | ||
| Average total assets | $4,973,328,500 | 231 |
| Average earning assets | $4,526,989,500 | 228 |
| Average equity | $675,283,000 | 210 |
| Average total loans | $3,544,764,500 | 231 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 551 |
| Cost of funding earning assets | 0.6600% | 2,322 |
| Net interest margin | 4.6695% | 518 |
| Noninterest income to average assets | 1.2022% | 635 |
| Noninterest expense to average assets | 3.5608% | 917 |
| Loan and lease loss provision to assets | 0.4375% | 297 |
| Net operating income to assets | 1.0579% | 2,768 |
| Return on assets (ROA) | 1.0609% | 2,741 |
| Pretax return on assets | 1.4287% | 2,040 |
| Return on Equity (ROE) | 8.0162% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.5061% | 1,455 |
| Net charge-offs to loans | 0.3454% | 550 |
| Credit loss provision to net charge-offs | 182.4757% | 1,550 |
| Earnings coverage of net charge-offs (x) | 7.7672% | 2,961 |
| Efficiency ratio | 63.2427% | 3,294 |
| Assets per employee ($millions) | 5.2385% | 2,215 |
| Cash dividends to net income (ytd only)* | 6.3633% | 3,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7156% | 4,770 |
| Loan loss allowance to noncurrent loans | 53.1006% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 1,267 |
| Noncurrent loans to loans | 1.3477% | 1,163 |
| Net loans and leases to total assets | 70.7757% | 2,449 |
| Net loans and leases to deposits | 92.7841% | 1,425 |
| Net loans and leases to core deposits | 98.7328% | 1,815 |
| Total domestic deposits to total assets | 76.2800% | 4,720 |
| Equity capital to assets | 13.5071% | 1,142 |
| Core capital (leverage) ratio | 10.5719% | 2,954 |
| Tier 1 risk-based capital ratio | 12.7210% | 4,000 |
| Total risk-based capital ratio | 13.4125% | 4,208 |
| Memoranda: | ||
| Average total assets | $4,295,718,600 | 251 |
| Average earning assets | $3,883,126,600 | 252 |
| Average equity | $568,523,600 | 223 |
| Average total loans | $2,982,369,600 | 255 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1525% | 684 |
| Cost of funding earning assets | 0.5990% | 2,481 |
| Net interest margin | 4.5535% | 664 |
| Noninterest income to average assets | 1.1997% | 655 |
| Noninterest expense to average assets | 3.6499% | 795 |
| Loan and lease loss provision to assets | 0.4809% | 240 |
| Net operating income to assets | 0.8822% | 3,615 |
| Return on assets (ROA) | 0.8823% | 3,617 |
| Pretax return on assets | 1.1744% | 3,099 |
| Return on Equity (ROE) | 6.7079% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.1930% | 2,554 |
| Net charge-offs to loans | 0.3837% | 422 |
| Credit loss provision to net charge-offs | 181.9768% | 1,486 |
| Earnings coverage of net charge-offs (x) | 6.2632% | 2,897 |
| Efficiency ratio | 66.4938% | 2,785 |
| Assets per employee ($millions) | 5.3196% | 2,102 |
| Cash dividends to net income (ytd only)* | 7.6752% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6761% | 4,920 |
| Loan loss allowance to noncurrent loans | 44.4765% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.1710% | 1,207 |
| Noncurrent loans to loans | 1.5201% | 1,068 |
| Net loans and leases to total assets | 70.0082% | 2,645 |
| Net loans and leases to deposits | 91.5513% | 1,680 |
| Net loans and leases to core deposits | 96.6758% | 2,052 |
| Total domestic deposits to total assets | 76.4688% | 4,733 |
| Equity capital to assets | 13.1543% | 1,269 |
| Core capital (leverage) ratio | 10.2814% | 3,317 |
| Tier 1 risk-based capital ratio | 12.1163% | 4,436 |
| Total risk-based capital ratio | 12.7720% | 4,664 |
| Memoranda: | ||
| Average total assets | $4,134,672,750 | 256 |
| Average earning assets | $3,727,697,250 | 259 |
| Average equity | $543,845,500 | 229 |
| Average total loans | $2,847,598,750 | 262 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 1,342 |
| Cost of funding earning assets | 0.5177% | 2,872 |
| Net interest margin | 4.2459% | 1,173 |
| Noninterest income to average assets | 1.3253% | 552 |
| Noninterest expense to average assets | 3.8887% | 609 |
| Loan and lease loss provision to assets | 0.4682% | 249 |
| Net operating income to assets | 0.6156% | 4,445 |
| Return on assets (ROA) | 0.6157% | 4,451 |
| Pretax return on assets | 0.7865% | 4,287 |
| Return on Equity (ROE) | 4.6813% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.1711% | 3,526 |
| Net charge-offs to loans | 0.4610% | 332 |
| Credit loss provision to net charge-offs | 148.9491% | 1,585 |
| Earnings coverage of net charge-offs (x) | 3.9908% | 2,835 |
| Efficiency ratio | 73.7035% | 1,747 |
| Assets per employee ($millions) | 5.0506% | 2,349 |
| Cash dividends to net income (ytd only)* | 10.8987% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5869% | 5,125 |
| Loan loss allowance to noncurrent loans | 38.1287% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2095% | 1,187 |
| Noncurrent loans to loans | 1.5392% | 1,080 |
| Net loans and leases to total assets | 69.5033% | 2,650 |
| Net loans and leases to deposits | 91.0275% | 1,708 |
| Net loans and leases to core deposits | 95.5284% | 2,101 |
| Total domestic deposits to total assets | 76.3541% | 4,826 |
| Equity capital to assets | 13.2052% | 1,222 |
| Core capital (leverage) ratio | 10.0656% | 3,508 |
| Tier 1 risk-based capital ratio | 11.7610% | 4,643 |
| Total risk-based capital ratio | 12.3202% | 4,909 |
| Memoranda: | ||
| Average total assets | $3,874,463,670 | 268 |
| Average earning assets | $3,483,996,330 | 266 |
| Average equity | $509,602,330 | 233 |
| Average total loans | $2,641,952,000 | 273 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 725 |
| Cost of funding earning assets | 0.5071% | 2,741 |
| Net interest margin | 4.4744% | 652 |
| Noninterest income to average assets | 1.3758% | 491 |
| Noninterest expense to average assets | 3.7309% | 727 |
| Loan and lease loss provision to assets | 0.5995% | 170 |
| Net operating income to assets | 0.8746% | 3,393 |
| Return on assets (ROA) | 0.8746% | 3,409 |
| Pretax return on assets | 1.0609% | 3,311 |
| Return on Equity (ROE) | 6.6684% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.1322% | 2,652 |
| Net charge-offs to loans | 0.7317% | 204 |
| Credit loss provision to net charge-offs | 122.3392% | 1,369 |
| Earnings coverage of net charge-offs (x) | 3.3882% | 2,396 |
| Efficiency ratio | 67.5348% | 2,909 |
| Assets per employee ($millions) | 4.0567% | 3,879 |
| Cash dividends to net income (ytd only)* | 8.0407% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 4,861 |
| Loan loss allowance to noncurrent loans | 36.3629% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.7044% | 746 |
| Noncurrent loans to loans | 2.1196% | 731 |
| Net loans and leases to total assets | 65.6295% | 3,098 |
| Net loans and leases to deposits | 88.5742% | 1,860 |
| Net loans and leases to core deposits | 91.6114% | 2,329 |
| Total domestic deposits to total assets | 74.0955% | 5,145 |
| Equity capital to assets | 12.9879% | 1,253 |
| Core capital (leverage) ratio | 10.7873% | 2,641 |
| Tier 1 risk-based capital ratio | 13.5968% | 3,602 |
| Total risk-based capital ratio | 14.3443% | 3,811 |
| Memoranda: | ||
| Average total assets | $3,412,651,500 | 293 |
| Average earning assets | $3,062,653,000 | 291 |
| Average equity | $447,605,000 | 257 |
| Average total loans | $2,285,670,500 | 299 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 1,351 |
| Cost of funding earning assets | 0.3761% | 3,458 |
| Net interest margin | 4.2558% | 1,068 |
| Noninterest income to average assets | 1.5733% | 424 |
| Noninterest expense to average assets | 3.6204% | 878 |
| Loan and lease loss provision to assets | 0.3828% | 390 |
| Net operating income to assets | 0.7595% | 3,350 |
| Return on assets (ROA) | 0.7595% | 3,387 |
| Pretax return on assets | 1.3725% | 2,080 |
| Return on Equity (ROE) | 5.7821% | 3,844 |
| Retained earnings to average equity (ytd only) | 5.1372% | 2,038 |
| Net charge-offs to loans | 0.3124% | 812 |
| Credit loss provision to net charge-offs | 184.1776% | 1,477 |
| Earnings coverage of net charge-offs (x) | 8.4460% | 2,913 |
| Efficiency ratio | 65.6185% | 3,324 |
| Assets per employee ($millions) | 3.9869% | 3,985 |
| Cash dividends to net income (ytd only)* | 11.1527% | 3,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7319% | 4,997 |
| Loan loss allowance to noncurrent loans | 36.7205% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 779 |
| Noncurrent loans to loans | 1.9930% | 765 |
| Net loans and leases to total assets | 67.3407% | 2,909 |
| Net loans and leases to deposits | 91.2621% | 1,617 |
| Net loans and leases to core deposits | 94.3006% | 2,167 |
| Total domestic deposits to total assets | 73.7882% | 5,199 |
| Equity capital to assets | 13.2478% | 1,147 |
| Core capital (leverage) ratio | 10.8921% | 2,433 |
| Tier 1 risk-based capital ratio | 13.5667% | 3,590 |
| Total risk-based capital ratio | 14.2772% | 3,790 |
| Memoranda: | ||
| Average total assets | $3,305,792,600 | 286 |
| Average earning assets | $2,953,480,400 | 286 |
| Average equity | $434,204,800 | 252 |
| Average total loans | $2,199,305,600 | 296 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 1,433 |
| Cost of funding earning assets | 0.3563% | 3,608 |
| Net interest margin | 4.2200% | 1,106 |
| Noninterest income to average assets | 1.5692% | 442 |
| Noninterest expense to average assets | 3.6542% | 811 |
| Loan and lease loss provision to assets | 0.3770% | 382 |
| Net operating income to assets | 0.9703% | 2,687 |
| Return on assets (ROA) | 0.9703% | 2,743 |
| Pretax return on assets | 1.3085% | 2,443 |
| Return on Equity (ROE) | 7.4036% | 3,442 |
| Retained earnings to average equity (ytd only) | 6.7235% | 1,834 |
| Net charge-offs to loans | 0.2601% | 829 |
| Credit loss provision to net charge-offs | 219.0162% | 1,262 |
| Earnings coverage of net charge-offs (x) | 9.7915% | 2,660 |
| Efficiency ratio | 66.6839% | 3,097 |
| Assets per employee ($millions) | 4.0101% | 3,975 |
| Cash dividends to net income (ytd only)* | 9.1858% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 5,094 |
| Loan loss allowance to noncurrent loans | 31.8219% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.9392% | 685 |
| Noncurrent loans to loans | 2.2635% | 710 |
| Net loans and leases to total assets | 66.6591% | 3,019 |
| Net loans and leases to deposits | 85.8877% | 2,306 |
| Net loans and leases to core deposits | 88.6936% | 2,711 |
| Total domestic deposits to total assets | 77.6119% | 4,784 |
| Equity capital to assets | 13.4741% | 1,168 |
| Core capital (leverage) ratio | 10.5677% | 2,911 |
| Tier 1 risk-based capital ratio | 13.5934% | 3,643 |
| Total risk-based capital ratio | 14.3005% | 3,884 |
| Memoranda: | ||
| Average total assets | $3,290,997,250 | 286 |
| Average earning assets | $2,940,515,000 | 287 |
| Average equity | $431,309,500 | 251 |
| Average total loans | $2,178,456,000 | 298 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,554 |
| Cost of funding earning assets | 0.3320% | 3,769 |
| Net interest margin | 4.1542% | 1,192 |
| Noninterest income to average assets | 1.6273% | 427 |
| Noninterest expense to average assets | 3.6119% | 857 |
| Loan and lease loss provision to assets | 0.3290% | 447 |
| Net operating income to assets | 0.8386% | 3,203 |
| Return on assets (ROA) | 0.8386% | 3,259 |
| Pretax return on assets | 1.3972% | 2,029 |
| Return on Equity (ROE) | 6.4598% | 3,850 |
| Retained earnings to average equity (ytd only) | 5.7098% | 2,285 |
| Net charge-offs to loans | 0.2180% | 937 |
| Credit loss provision to net charge-offs | 229.0678% | 1,143 |
| Earnings coverage of net charge-offs (x) | 12.0195% | 2,228 |
| Efficiency ratio | 65.9093% | 3,368 |
| Assets per employee ($millions) | 3.9359% | 4,073 |
| Cash dividends to net income (ytd only)* | 11.6102% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6478% | 5,303 |
| Loan loss allowance to noncurrent loans | 25.8700% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 2.0338% | 618 |
| Noncurrent loans to loans | 2.5042% | 599 |
| Net loans and leases to total assets | 65.3410% | 3,201 |
| Net loans and leases to deposits | 84.1234% | 2,460 |
| Net loans and leases to core deposits | 87.3545% | 2,763 |
| Total domestic deposits to total assets | 77.6728% | 4,868 |
| Equity capital to assets | 13.2194% | 1,269 |
| Core capital (leverage) ratio | 10.3751% | 3,046 |
| Tier 1 risk-based capital ratio | 13.6930% | 3,590 |
| Total risk-based capital ratio | 14.3263% | 3,866 |
| Memoranda: | ||
| Average total assets | $3,286,568,000 | 290 |
| Average earning assets | $2,935,758,000 | 289 |
| Average equity | $426,672,000 | 254 |
| Average total loans | $2,165,079,330 | 302 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4150% | 1,598 |
| Cost of funding earning assets | 0.2923% | 4,122 |
| Net interest margin | 4.1227% | 1,164 |
| Noninterest income to average assets | 1.6189% | 426 |
| Noninterest expense to average assets | 3.6287% | 857 |
| Loan and lease loss provision to assets | 0.2297% | 679 |
| Net operating income to assets | 0.8685% | 2,907 |
| Return on assets (ROA) | 0.8685% | 2,961 |
| Pretax return on assets | 1.4469% | 1,705 |
| Return on Equity (ROE) | 6.7573% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.0014% | 2,338 |
| Net charge-offs to loans | 0.1836% | 925 |
| Credit loss provision to net charge-offs | 189.6690% | 1,044 |
| Earnings coverage of net charge-offs (x) | 13.8455% | 1,758 |
| Efficiency ratio | 66.6377% | 3,390 |
| Assets per employee ($millions) | 4.1438% | 3,771 |
| Cash dividends to net income (ytd only)* | 11.1872% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5438% | 5,551 |
| Loan loss allowance to noncurrent loans | 23.3727% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 1.9370% | 694 |
| Noncurrent loans to loans | 2.3265% | 699 |
| Net loans and leases to total assets | 65.6899% | 3,022 |
| Net loans and leases to deposits | 83.3010% | 2,364 |
| Net loans and leases to core deposits | 86.8472% | 2,649 |
| Total domestic deposits to total assets | 78.8585% | 4,849 |
| Equity capital to assets | 12.9720% | 1,268 |
| Core capital (leverage) ratio | 9.8330% | 3,717 |
| Tier 1 risk-based capital ratio | 13.3010% | 3,888 |
| Total risk-based capital ratio | 13.8476% | 4,235 |
| Memoranda: | ||
| Average total assets | $3,293,392,500 | 290 |
| Average earning assets | $2,944,868,500 | 291 |
| Average equity | $423,303,500 | 257 |
| Average total loans | $2,172,571,500 | 299 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,347 |
| Cost of funding earning assets | 0.2124% | 4,905 |
| Net interest margin | 3.7466% | 2,519 |
| Noninterest income to average assets | 0.8563% | 1,553 |
| Noninterest expense to average assets | 3.6872% | 901 |
| Loan and lease loss provision to assets | 0.3769% | 435 |
| Net operating income to assets | 2.4226% | 161 |
| Return on assets (ROA) | 2.5380% | 140 |
| Pretax return on assets | 0.3010% | 5,365 |
| Return on Equity (ROE) | 24.8321% | 80 |
| Retained earnings to average equity (ytd only) | 24.8321% | 26 |
| Net charge-offs to loans | 0.4231% | 613 |
| Credit loss provision to net charge-offs | 146.5874% | 1,867 |
| Earnings coverage of net charge-offs (x) | 2.1878% | 3,868 |
| Efficiency ratio | 84.1924% | 991 |
| Assets per employee ($millions) | 4.1156% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5029% | 5,657 |
| Loan loss allowance to noncurrent loans | 20.4685% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 2.1215% | 630 |
| Noncurrent loans to loans | 2.4570% | 644 |
| Net loans and leases to total assets | 65.5549% | 3,140 |
| Net loans and leases to deposits | 86.3845% | 2,118 |
| Net loans and leases to core deposits | 90.4573% | 2,460 |
| Total domestic deposits to total assets | 75.8874% | 5,251 |
| Equity capital to assets | 12.7345% | 1,376 |
| Core capital (leverage) ratio | 10.3484% | 3,053 |
| Tier 1 risk-based capital ratio | 13.1115% | 3,992 |
| Total risk-based capital ratio | 13.6131% | 4,351 |
| Memoranda: | ||
| Average total assets | $2,746,938,600 | 317 |
| Average earning assets | $2,487,921,000 | 320 |
| Average equity | $280,753,000 | 335 |
| Average total loans | $1,669,177,000 | 349 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 3,922 |
| Cost of funding earning assets | 0.2051% | 5,015 |
| Net interest margin | 3.5938% | 3,095 |
| Noninterest income to average assets | 0.6454% | 2,451 |
| Noninterest expense to average assets | 3.5933% | 1,007 |
| Loan and lease loss provision to assets | 0.2732% | 648 |
| Net operating income to assets | 0.0615% | 5,671 |
| Return on assets (ROA) | 0.2237% | 5,492 |
| Pretax return on assets | 0.2127% | 5,547 |
| Return on Equity (ROE) | 2.3729% | 5,390 |
| Retained earnings to average equity (ytd only) | 2.3729% | 4,494 |
| Net charge-offs to loans | 0.5598% | 377 |
| Credit loss provision to net charge-offs | 82.5309% | 2,632 |
| Earnings coverage of net charge-offs (x) | 0.9778% | 3,743 |
| Efficiency ratio | 88.8109% | 626 |
| Assets per employee ($millions) | 4.0292% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3782% | 5,812 |
| Loan loss allowance to noncurrent loans | 11.1359% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 2.6803% | 483 |
| Noncurrent loans to loans | 3.3965% | 392 |
| Net loans and leases to total assets | 62.3119% | 3,614 |
| Net loans and leases to deposits | 75.7636% | 3,425 |
| Net loans and leases to core deposits | 77.6571% | 3,693 |
| Total domestic deposits to total assets | 82.2452% | 3,859 |
| Equity capital to assets | 9.4378% | 4,733 |
| Core capital (leverage) ratio | 8.2751% | 5,514 |
| Tier 1 risk-based capital ratio | 11.4376% | 5,128 |
| Total risk-based capital ratio | 11.8158% | 5,511 |
| Memoranda: | ||
| Average total assets | $2,609,530,750 | 331 |
| Average earning assets | $2,375,584,250 | 331 |
| Average equity | $245,991,000 | 366 |
| Average total loans | $1,543,474,500 | 364 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8686% | 3,710 |
| Cost of funding earning assets | 0.2054% | 5,086 |
| Net interest margin | 3.6632% | 2,847 |
| Noninterest income to average assets | 0.6416% | 2,408 |
| Noninterest expense to average assets | 3.7059% | 867 |
| Loan and lease loss provision to assets | 0.2859% | 642 |
| Net operating income to assets | -0.0083% | 5,772 |
| Return on assets (ROA) | 0.1812% | 5,611 |
| Pretax return on assets | 0.1636% | 5,659 |
| Return on Equity (ROE) | 1.9227% | 5,522 |
| Retained earnings to average equity (ytd only) | 1.9227% | 4,594 |
| Net charge-offs to loans | 0.6475% | 317 |
| Credit loss provision to net charge-offs | 76.2271% | 2,409 |
| Earnings coverage of net charge-offs (x) | 0.6932% | 3,493 |
| Efficiency ratio | 90.5020% | 576 |
| Assets per employee ($millions) | 3.7156% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4042% | 5,876 |
| Loan loss allowance to noncurrent loans | 10.9429% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 2.9519% | 420 |
| Noncurrent loans to loans | 3.6936% | 351 |
| Net loans and leases to total assets | 60.3655% | 3,833 |
| Net loans and leases to deposits | 74.4570% | 3,534 |
| Net loans and leases to core deposits | 76.2329% | 3,798 |
| Total domestic deposits to total assets | 81.0743% | 4,250 |
| Equity capital to assets | 9.7557% | 4,505 |
| Core capital (leverage) ratio | 8.3333% | 5,507 |
| Tier 1 risk-based capital ratio | 12.0549% | 4,788 |
| Total risk-based capital ratio | 12.4537% | 5,229 |
| Memoranda: | ||
| Average total assets | $2,563,398,000 | 334 |
| Average earning assets | $2,326,334,330 | 337 |
| Average equity | $241,540,330 | 374 |
| Average total loans | $1,485,037,000 | 373 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 3,159 |
| Cost of funding earning assets | 0.2158% | 5,046 |
| Net interest margin | 3.8012% | 2,279 |
| Noninterest income to average assets | 0.5915% | 2,583 |
| Noninterest expense to average assets | 3.9464% | 645 |
| Loan and lease loss provision to assets | 0.3988% | 346 |
| Net operating income to assets | -0.2434% | 5,895 |
| Return on assets (ROA) | -0.1292% | 5,875 |
| Pretax return on assets | -0.1663% | 5,884 |
| Return on Equity (ROE) | -1.3969% | 5,884 |
| Retained earnings to average equity (ytd only) | -1.3969% | 5,325 |
| Net charge-offs to loans | 0.6297% | 350 |
| Credit loss provision to net charge-offs | 112.0374% | 1,500 |
| Earnings coverage of net charge-offs (x) | 0.2416% | 2,951 |
| Efficiency ratio | 94.9270% | 421 |
| Assets per employee ($millions) | 3.4469% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5256% | 5,838 |
| Loan loss allowance to noncurrent loans | 12.8644% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 3.3540% | 350 |
| Noncurrent loans to loans | 4.0854% | 291 |
| Net loans and leases to total assets | 58.4053% | 3,996 |
| Net loans and leases to deposits | 66.4402% | 4,214 |
| Net loans and leases to core deposits | 67.9967% | 4,400 |
| Total domestic deposits to total assets | 87.9065% | 1,692 |
| Equity capital to assets | 9.8873% | 4,229 |
| Core capital (leverage) ratio | 8.3245% | 5,544 |
| Tier 1 risk-based capital ratio | 12.6660% | 4,472 |
| Total risk-based capital ratio | 13.1729% | 4,871 |
| Memoranda: | ||
| Average total assets | $2,520,493,500 | 336 |
| Average earning assets | $2,281,591,000 | 338 |
| Average equity | $233,086,000 | 380 |
| Average total loans | $1,424,707,500 | 387 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 4,173 |
| Cost of funding earning assets | 0.1953% | 5,322 |
| Net interest margin | 3.5620% | 3,277 |
| Noninterest income to average assets | 0.6751% | 2,321 |
| Noninterest expense to average assets | 4.1938% | 545 |
| Loan and lease loss provision to assets | 0.2822% | 640 |
| Net operating income to assets | -0.6223% | 6,063 |
| Return on assets (ROA) | -0.4987% | 6,053 |
| Pretax return on assets | -0.4866% | 6,041 |
| Return on Equity (ROE) | -5.4120% | 6,056 |
| Retained earnings to average equity (ytd only) | -5.7185% | 5,948 |
| Net charge-offs to loans | 0.3247% | 922 |
| Credit loss provision to net charge-offs | 168.3273% | 1,604 |
| Earnings coverage of net charge-offs (x) | -1.9564% | 4,357 |
| Efficiency ratio | 105.3740% | 193 |
| Assets per employee ($millions) | 3.2123% | 5,280 |
| Cash dividends to net income (ytd only)* | -5.6639% | 6,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 5,842 |
| Loan loss allowance to noncurrent loans | 8.0336% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 4.9086% | 178 |
| Noncurrent loans to loans | 7.0605% | 101 |
| Net loans and leases to total assets | 53.9566% | 4,505 |
| Net loans and leases to deposits | 61.3592% | 4,677 |
| Net loans and leases to core deposits | 62.8522% | 4,807 |
| Total domestic deposits to total assets | 87.9356% | 1,665 |
| Equity capital to assets | 8.5870% | 5,489 |
| Core capital (leverage) ratio | 7.4301% | 5,989 |
| Tier 1 risk-based capital ratio | 11.3660% | 5,335 |
| Total risk-based capital ratio | 11.8733% | 5,636 |
| Memoranda: | ||
| Average total assets | $2,478,456,000 | 322 |
| Average earning assets | $2,220,156,200 | 324 |
| Average equity | $228,362,400 | 375 |
| Average total loans | $1,279,453,800 | 393 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 4,176 |
| Cost of funding earning assets | 0.1880% | 5,472 |
| Net interest margin | 3.5850% | 3,217 |
| Noninterest income to average assets | 0.9267% | 1,380 |
| Noninterest expense to average assets | 4.1722% | 547 |
| Loan and lease loss provision to assets | 0.2602% | 640 |
| Net operating income to assets | -0.3136% | 6,088 |
| Return on assets (ROA) | -0.2117% | 6,066 |
| Pretax return on assets | -0.1995% | 6,048 |
| Return on Equity (ROE) | -2.2593% | 6,079 |
| Retained earnings to average equity (ytd only) | -2.6613% | 5,908 |
| Net charge-offs to loans | 0.3247% | 817 |
| Credit loss provision to net charge-offs | 157.2172% | 1,618 |
| Earnings coverage of net charge-offs (x) | -0.2487% | 4,011 |
| Efficiency ratio | 98.0868% | 352 |
| Assets per employee ($millions) | 3.2088% | 5,268 |
| Cash dividends to net income (ytd only)* | -17.7891% | 6,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 6,006 |
| Loan loss allowance to noncurrent loans | 7.8699% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 4.6520% | 232 |
| Noncurrent loans to loans | 6.5390% | 111 |
| Net loans and leases to total assets | 49.9195% | 4,940 |
| Net loans and leases to deposits | 55.7263% | 5,142 |
| Net loans and leases to core deposits | 57.2476% | 5,239 |
| Total domestic deposits to total assets | 89.5797% | 739 |
| Equity capital to assets | 9.0770% | 5,233 |
| Core capital (leverage) ratio | 7.7227% | 6,005 |
| Tier 1 risk-based capital ratio | 12.4174% | 4,813 |
| Total risk-based capital ratio | 12.8719% | 5,238 |
| Memoranda: | ||
| Average total assets | $2,478,093,500 | 327 |
| Average earning assets | $2,214,986,000 | 330 |
| Average equity | $232,215,750 | 375 |
| Average total loans | $1,262,890,750 | 397 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 3,657 |
| Cost of funding earning assets | 0.1831% | 5,591 |
| Net interest margin | 3.7232% | 2,611 |
| Noninterest income to average assets | 0.9974% | 1,189 |
| Noninterest expense to average assets | 4.2507% | 518 |
| Loan and lease loss provision to assets | 0.2533% | 682 |
| Net operating income to assets | -0.1996% | 6,106 |
| Return on assets (ROA) | -0.0871% | 6,071 |
| Pretax return on assets | -0.0744% | 6,057 |
| Return on Equity (ROE) | -0.9200% | 6,080 |
| Retained earnings to average equity (ytd only) | -0.9200% | 5,680 |
| Net charge-offs to loans | 0.3604% | 723 |
| Credit loss provision to net charge-offs | 137.1970% | 1,628 |
| Earnings coverage of net charge-offs (x) | 0.3601% | 3,667 |
| Efficiency ratio | 95.6559% | 448 |
| Assets per employee ($millions) | 3.1329% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4579% | 6,126 |
| Loan loss allowance to noncurrent loans | 6.4509% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 5.1432% | 205 |
| Noncurrent loans to loans | 7.0987% | 115 |
| Net loans and leases to total assets | 48.8376% | 5,027 |
| Net loans and leases to deposits | 55.2935% | 5,171 |
| Net loans and leases to core deposits | 56.9163% | 5,260 |
| Total domestic deposits to total assets | 88.3243% | 1,482 |
| Equity capital to assets | 9.1780% | 5,045 |
| Core capital (leverage) ratio | 7.9015% | 5,976 |
| Tier 1 risk-based capital ratio | 12.8381% | 4,602 |
| Total risk-based capital ratio | 13.2345% | 5,065 |
| Memoranda: | ||
| Average total assets | $2,458,082,000 | 332 |
| Average earning assets | $2,191,750,000 | 332 |
| Average equity | $232,825,330 | 377 |
| Average total loans | $1,259,329,330 | 399 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8417% | 3,853 |
| Cost of funding earning assets | 0.1492% | 5,929 |
| Net interest margin | 3.6925% | 2,643 |
| Noninterest income to average assets | 0.9720% | 1,183 |
| Noninterest expense to average assets | 4.2042% | 553 |
| Loan and lease loss provision to assets | 0.2393% | 709 |
| Net operating income to assets | -0.2016% | 6,146 |
| Return on assets (ROA) | -0.0406% | 6,084 |
| Pretax return on assets | -0.0306% | 6,074 |
| Return on Equity (ROE) | -0.4221% | 6,091 |
| Retained earnings to average equity (ytd only) | -0.4221% | 5,460 |
| Net charge-offs to loans | 0.3672% | 668 |
| Credit loss provision to net charge-offs | 124.4654% | 1,414 |
| Earnings coverage of net charge-offs (x) | 0.2481% | 3,082 |
| Efficiency ratio | 96.0048% | 502 |
| Assets per employee ($millions) | 3.0645% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4026% | 6,238 |
| Loan loss allowance to noncurrent loans | 3.2970% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 8.4067% | 90 |
| Noncurrent loans to loans | 12.2116% | 35 |
| Net loans and leases to total assets | 50.4912% | 4,795 |
| Net loans and leases to deposits | 57.8416% | 4,931 |
| Net loans and leases to core deposits | 59.3874% | 5,044 |
| Total domestic deposits to total assets | 87.2923% | 2,218 |
| Equity capital to assets | 9.4974% | 4,756 |
| Core capital (leverage) ratio | 8.2046% | 5,805 |
| Tier 1 risk-based capital ratio | 12.6781% | 4,797 |
| Total risk-based capital ratio | 13.0310% | 5,284 |
| Memoranda: | ||
| Average total assets | $2,432,408,500 | 332 |
| Average earning assets | $2,160,588,000 | 333 |
| Average equity | $234,080,000 | 374 |
| Average total loans | $1,273,403,000 | 393 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 3,021 |
| Cost of funding earning assets | 0.1417% | 6,147 |
| Net interest margin | 4.0346% | 1,789 |
| Noninterest income to average assets | 1.2027% | 830 |
| Noninterest expense to average assets | 4.5874% | 428 |
| Loan and lease loss provision to assets | 0.2363% | 1,012 |
| Net operating income to assets | -0.0381% | 6,115 |
| Return on assets (ROA) | 0.0669% | 6,026 |
| Pretax return on assets | 0.0669% | 6,026 |
| Return on Equity (ROE) | 0.7065% | 6,007 |
| Retained earnings to average equity (ytd only) | 0.7065% | 5,449 |
| Net charge-offs to loans | 0.1376% | 2,643 |
| Credit loss provision to net charge-offs | 347.8076% | 757 |
| Earnings coverage of net charge-offs (x) | 2.9172% | 4,028 |
| Efficiency ratio | 93.2913% | 634 |
| Assets per employee ($millions) | 2.9195% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3729% | 6,337 |
| Loan loss allowance to noncurrent loans | 2.8453% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 9.4525% | 91 |
| Noncurrent loans to loans | 13.1059% | 39 |
| Net loans and leases to total assets | 53.8840% | 4,595 |
| Net loans and leases to deposits | 60.7943% | 4,831 |
| Net loans and leases to core deposits | 62.4621% | 4,964 |
| Total domestic deposits to total assets | 88.6334% | 1,453 |
| Equity capital to assets | 9.7553% | 4,411 |
| Core capital (leverage) ratio | 7.5623% | 6,185 |
| Tier 1 risk-based capital ratio | 12.5169% | 5,030 |
| Total risk-based capital ratio | 12.8779% | 5,503 |
| Memoranda: | ||
| Average total assets | $2,417,047,800 | 314 |
| Average earning assets | $2,146,456,000 | 315 |
| Average equity | $229,003,200 | 362 |
| Average total loans | $1,193,474,600 | 392 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 3,296 |
| Cost of funding earning assets | 0.1363% | 6,257 |
| Net interest margin | 3.9839% | 1,928 |
| Noninterest income to average assets | 1.1524% | 898 |
| Noninterest expense to average assets | 4.5603% | 432 |
| Loan and lease loss provision to assets | 0.2742% | 755 |
| Net operating income to assets | -0.1413% | 6,242 |
| Return on assets (ROA) | -0.0527% | 6,192 |
| Pretax return on assets | -0.0527% | 6,177 |
| Return on Equity (ROE) | -0.5601% | 6,197 |
| Retained earnings to average equity (ytd only) | -0.5601% | 5,884 |
| Net charge-offs to loans | 0.1480% | 2,307 |
| Credit loss provision to net charge-offs | 384.2956% | 735 |
| Earnings coverage of net charge-offs (x) | 1.8630% | 4,060 |
| Efficiency ratio | 94.5597% | 566 |
| Assets per employee ($millions) | 3.2157% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3778% | 6,426 |
| Loan loss allowance to noncurrent loans | 2.5428% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 9.3936% | 105 |
| Noncurrent loans to loans | 14.8586% | 36 |
| Net loans and leases to total assets | 47.4656% | 5,249 |
| Net loans and leases to deposits | 53.0097% | 5,459 |
| Net loans and leases to core deposits | 54.4737% | 5,534 |
| Total domestic deposits to total assets | 89.5414% | 967 |
| Equity capital to assets | 9.3388% | 4,993 |
| Core capital (leverage) ratio | 7.5480% | 6,264 |
| Tier 1 risk-based capital ratio | 13.4554% | 4,575 |
| Total risk-based capital ratio | 13.8038% | 5,073 |
| Memoranda: | ||
| Average total assets | $2,427,197,500 | 310 |
| Average earning assets | $2,157,275,000 | 314 |
| Average equity | $228,296,500 | 355 |
| Average total loans | $1,170,513,500 | 397 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 3,456 |
| Cost of funding earning assets | 0.1278% | 6,369 |
| Net interest margin | 3.9440% | 1,996 |
| Noninterest income to average assets | 1.1101% | 965 |
| Noninterest expense to average assets | 4.5750% | 416 |
| Loan and lease loss provision to assets | 0.2487% | 884 |
| Net operating income to assets | -0.2125% | 6,326 |
| Return on assets (ROA) | -0.0750% | 6,257 |
| Pretax return on assets | -0.0750% | 6,242 |
| Return on Equity (ROE) | -0.7956% | 6,262 |
| Retained earnings to average equity (ytd only) | -0.7956% | 5,826 |
| Net charge-offs to loans | 0.0309% | 3,577 |
| Credit loss provision to net charge-offs | 1,661.3260% | 229 |
| Earnings coverage of net charge-offs (x) | 2.4199% | 3,551 |
| Efficiency ratio | 96.5512% | 536 |
| Assets per employee ($millions) | 3.1580% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3061% | 6,535 |
| Loan loss allowance to noncurrent loans | 1.8023% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 10.4375% | 94 |
| Noncurrent loans to loans | 16.9821% | 23 |
| Net loans and leases to total assets | 48.1154% | 5,164 |
| Net loans and leases to deposits | 53.9027% | 5,366 |
| Net loans and leases to core deposits | 55.4894% | 5,446 |
| Total domestic deposits to total assets | 89.2634% | 1,216 |
| Equity capital to assets | 9.5831% | 4,647 |
| Core capital (leverage) ratio | 7.6105% | 6,271 |
| Tier 1 risk-based capital ratio | 14.1093% | 4,187 |
| Total risk-based capital ratio | 14.4067% | 4,747 |
| Memoranda: | ||
| Average total assets | $2,418,392,000 | 309 |
| Average earning assets | $2,146,837,330 | 310 |
| Average equity | $228,015,670 | 352 |
| Average total loans | $1,171,004,670 | 393 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 3,583 |
| Cost of funding earning assets | 0.1201% | 6,496 |
| Net interest margin | 3.9059% | 2,065 |
| Noninterest income to average assets | 0.9568% | 1,240 |
| Noninterest expense to average assets | 4.7336% | 374 |
| Loan and lease loss provision to assets | 0.2143% | 1,071 |
| Net operating income to assets | -0.5284% | 6,483 |
| Return on assets (ROA) | -0.4605% | 6,462 |
| Pretax return on assets | -0.4605% | 6,446 |
| Return on Equity (ROE) | -4.9244% | 6,465 |
| Retained earnings to average equity (ytd only) | -4.9244% | 6,120 |
| Net charge-offs to loans | 0.0003% | 3,658 |
| Credit loss provision to net charge-offs | 130,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | -1,905.0000% | 3,659 |
| Efficiency ratio | 104.3352% | 363 |
| Assets per employee ($millions) | 3.1281% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1733% | 6,646 |
| Loan loss allowance to noncurrent loans | 0.8169% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 12.8093% | 66 |
| Noncurrent loans to loans | 21.2169% | 11 |
| Net loans and leases to total assets | 48.1264% | 5,111 |
| Net loans and leases to deposits | 53.6161% | 5,320 |
| Net loans and leases to core deposits | 55.4197% | 5,399 |
| Total domestic deposits to total assets | 89.7610% | 1,197 |
| Equity capital to assets | 9.3378% | 4,715 |
| Core capital (leverage) ratio | 7.5048% | 6,337 |
| Tier 1 risk-based capital ratio | 13.5900% | 4,610 |
| Total risk-based capital ratio | 13.7610% | 5,245 |
| Memoranda: | ||
| Average total assets | $2,425,977,000 | 307 |
| Average earning assets | $2,150,709,500 | 312 |
| Average equity | $226,871,500 | 353 |
| Average total loans | $1,176,572,000 | 389 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1729% | 6,694 |
| Cost of funding earning assets | 0.0419% | 6,756 |
| Net interest margin | 2.1310% | 6,606 |
| Noninterest income to average assets | 0.5256% | 3,589 |
| Noninterest expense to average assets | 2.3149% | 5,333 |
| Loan and lease loss provision to assets | 0.0325% | 4,467 |
| Net operating income to assets | 0.0614% | 6,113 |
| Return on assets (ROA) | 0.0730% | 6,141 |
| Pretax return on assets | 0.0730% | 6,123 |
| Return on Equity (ROE) | 1.0113% | 6,079 |
| Retained earnings to average equity (ytd only) | 1.0113% | 5,388 |
| Net charge-offs to loans | 0.0054% | 5,360 |
| Credit loss provision to net charge-offs | 1,065.3333% | 239 |
| Earnings coverage of net charge-offs (x) | 30.7733% | 1,158 |
| Efficiency ratio | 93.5979% | 769 |
| Assets per employee ($millions) | 3.1285% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0610% | 6,738 |
| Loan loss allowance to noncurrent loans | 0.2937% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 12.6721% | 70 |
| Noncurrent loans to loans | 20.7871% | 17 |
| Net loans and leases to total assets | 48.7569% | 5,218 |
| Net loans and leases to deposits | 54.4697% | 5,433 |
| Net loans and leases to core deposits | 56.1763% | 5,520 |
| Total domestic deposits to total assets | 89.5120% | 1,326 |
| Equity capital to assets | 9.3657% | 4,594 |
| Core capital (leverage) ratio | 7.4782% | 6,380 |
| Tier 1 risk-based capital ratio | 14.3999% | 4,016 |
| Total risk-based capital ratio | 14.4654% | 4,786 |
| Memoranda: | ||
| Average total assets | $2,459,655,000 | 298 |
| Average earning assets | $2,173,628,200 | 300 |
| Average equity | $177,588,000 | 428 |
| Average total loans | $1,386,102,600 | 328 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4900% | 6,832 |
| Cost of funding earning assets | 0.0220% | 6,853 |
| Net interest margin | 1.4680% | 6,809 |
| Noninterest income to average assets | 0.2975% | 5,317 |
| Noninterest expense to average assets | 1.5367% | 6,611 |
| Loan and lease loss provision to assets | 0.0299% | 4,412 |
| Net operating income to assets | 0.0272% | 6,261 |
| Return on assets (ROA) | 0.0296% | 6,311 |
| Pretax return on assets | 0.0296% | 6,289 |
| Return on Equity (ROE) | 0.4426% | 6,282 |
| Retained earnings to average equity (ytd only) | 0.4426% | 5,793 |
| Net charge-offs to loans | 0.0069% | 5,031 |
| Credit loss provision to net charge-offs | 747.2973% | 389 |
| Earnings coverage of net charge-offs (x) | 14.2708% | 1,957 |
| Efficiency ratio | 93.8992% | 744 |
| Assets per employee ($millions) | 3.1756% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0377% | 6,824 |
| Loan loss allowance to noncurrent loans | 1.5151% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 4.1751% | 740 |
| Noncurrent loans to loans | 2.4856% | 1,744 |
| Net loans and leases to total assets | 51.5940% | 4,933 |
| Net loans and leases to deposits | 57.4656% | 5,237 |
| Net loans and leases to core deposits | 59.3208% | 5,347 |
| Total domestic deposits to total assets | 89.7825% | 1,116 |
| Equity capital to assets | 9.2397% | 4,882 |
| Core capital (leverage) ratio | 7.6670% | 6,383 |
| Tier 1 risk-based capital ratio | 14.4079% | 4,142 |
| Total risk-based capital ratio | 14.4464% | 4,928 |
| Memoranda: | ||
| Average total assets | $2,466,859,250 | 297 |
| Average earning assets | $2,178,246,500 | 301 |
| Average equity | $165,069,000 | 456 |
| Average total loans | $1,436,147,000 | 323 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,939 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 0.0000% | 6,934 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 0.0000% | 6,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0000% | 6,302 |
| Return on assets (ROA) | 0.0000% | 6,366 |
| Pretax return on assets | 0.0000% | 6,353 |
| Return on Equity (ROE) | 0.0000% | 6,367 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 3.2792% | 5,315 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 3.5153% | 1,097 |
| Noncurrent loans to loans | 0.0391% | 6,281 |
| Net loans and leases to total assets | 52.9910% | 4,739 |
| Net loans and leases to deposits | 59.1144% | 5,059 |
| Net loans and leases to core deposits | 61.0669% | 5,170 |
| Total domestic deposits to total assets | 89.6414% | 1,234 |
| Equity capital to assets | 9.0829% | 5,130 |
| Core capital (leverage) ratio | 7.9213% | 6,238 |
| Tier 1 risk-based capital ratio | 13.6188% | 4,698 |
| Total risk-based capital ratio | 13.6188% | 5,536 |
| Memoranda: | ||
| Average total assets | $2,467,716,670 | 299 |
| Average earning assets | $2,175,952,330 | 304 |
| Average equity | $144,194,670 | 516 |
| Average total loans | $1,490,894,670 | 309 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 2,245 |
| Cost of funding earning assets | 0.1822% | 6,660 |
| Net interest margin | 4.2951% | 981 |
| Noninterest income to average assets | -0.3035% | 6,969 |
| Noninterest expense to average assets | 5.0348% | 359 |
| Loan and lease loss provision to assets | 0.3436% | 962 |
| Net operating income to assets | -1.8953% | 6,919 |
| Return on assets (ROA) | -1.8953% | 6,920 |
| Pretax return on assets | -1.8953% | 6,910 |
| Return on Equity (ROE) | -42.1962% | 6,959 |
| Retained earnings to average equity (ytd only) | -42.1962% | 6,945 |
| Net charge-offs to loans | 1.5605% | 341 |
| Credit loss provision to net charge-offs | 30.4158% | 2,884 |
| Earnings coverage of net charge-offs (x) | -1.3737% | 3,986 |
| Efficiency ratio | 144.3940% | 98 |
| Assets per employee ($millions) | 2.8076% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0939% | 264 |
| Loan loss allowance to noncurrent loans | 32.4350% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 14.5924% | 82 |
| Noncurrent loans to loans | 12.6218% | 119 |
| Net loans and leases to total assets | 69.8338% | 1,688 |
| Net loans and leases to deposits | 73.7149% | 2,957 |
| Net loans and leases to core deposits | 75.4037% | 3,398 |
| Total domestic deposits to total assets | 94.7350% | 51 |
| Equity capital to assets | 4.3658% | 6,926 |
| Core capital (leverage) ratio | 4.1618% | 6,929 |
| Tier 1 risk-based capital ratio | 6.2187% | 6,923 |
| Total risk-based capital ratio | 7.5572% | 6,924 |
| Memoranda: | ||
| Average total assets | $809,171,500 | 827 |
| Average earning assets | $713,371,000 | 861 |
| Average equity | $36,344,500 | 1,946 |
| Average total loans | $585,711,500 | 712 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 1,931 |
| Cost of funding earning assets | 0.3178% | 6,370 |
| Net interest margin | 4.5561% | 847 |
| Noninterest income to average assets | 0.5297% | 3,713 |
| Noninterest expense to average assets | 4.2456% | 723 |
| Loan and lease loss provision to assets | 1.5388% | 203 |
| Net operating income to assets | -4.6604% | 7,052 |
| Return on assets (ROA) | -4.6730% | 7,052 |
| Pretax return on assets | -1.3298% | 6,809 |
| Return on Equity (ROE) | -61.1417% | 7,039 |
| Retained earnings to average equity (ytd only) | -61.1417% | 7,038 |
| Net charge-offs to loans | 3.0369% | 161 |
| Credit loss provision to net charge-offs | 69.7452% | 4,176 |
| Earnings coverage of net charge-offs (x) | 0.1004% | 5,439 |
| Efficiency ratio | 94.9293% | 755 |
| Assets per employee ($millions) | 2.9728% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2058% | 249 |
| Loan loss allowance to noncurrent loans | 37.9701% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 13.1587% | 109 |
| Noncurrent loans to loans | 11.0767% | 183 |
| Net loans and leases to total assets | 68.9474% | 2,046 |
| Net loans and leases to deposits | 73.4115% | 3,188 |
| Net loans and leases to core deposits | 75.0541% | 3,653 |
| Total domestic deposits to total assets | 93.9190% | 70 |
| Equity capital to assets | 4.6112% | 6,970 |
| Core capital (leverage) ratio | 4.4252% | 6,965 |
| Tier 1 risk-based capital ratio | 6.7195% | 6,968 |
| Total risk-based capital ratio | 8.0533% | 6,966 |
| Memoranda: | ||
| Average total assets | $905,455,600 | 727 |
| Average earning assets | $782,503,800 | 763 |
| Average equity | $69,203,200 | 1,019 |
| Average total loans | $657,809,200 | 628 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 1,892 |
| Cost of funding earning assets | 0.3457% | 6,399 |
| Net interest margin | 4.5871% | 842 |
| Noninterest income to average assets | 0.6277% | 3,119 |
| Noninterest expense to average assets | 4.2634% | 679 |
| Loan and lease loss provision to assets | 1.6170% | 186 |
| Net operating income to assets | -0.8493% | 6,819 |
| Return on assets (ROA) | -0.8485% | 6,841 |
| Pretax return on assets | -1.3074% | 6,927 |
| Return on Equity (ROE) | -10.1943% | 6,867 |
| Retained earnings to average equity (ytd only) | -10.1943% | 6,822 |
| Net charge-offs to loans | 3.1873% | 164 |
| Credit loss provision to net charge-offs | 69.6874% | 3,914 |
| Earnings coverage of net charge-offs (x) | 0.1329% | 5,269 |
| Efficiency ratio | 93.1480% | 826 |
| Assets per employee ($millions) | 3.2039% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1982% | 265 |
| Loan loss allowance to noncurrent loans | 38.2423% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 12.6314% | 141 |
| Noncurrent loans to loans | 10.9778% | 206 |
| Net loans and leases to total assets | 67.8028% | 2,324 |
| Net loans and leases to deposits | 75.0759% | 3,132 |
| Net loans and leases to core deposits | 77.0252% | 3,600 |
| Total domestic deposits to total assets | 90.3123% | 671 |
| Equity capital to assets | 8.4167% | 6,335 |
| Core capital (leverage) ratio | 4.7202% | 7,045 |
| Tier 1 risk-based capital ratio | 6.9677% | 7,048 |
| Total risk-based capital ratio | 8.2954% | 7,045 |
| Memoranda: | ||
| Average total assets | $924,470,000 | 719 |
| Average earning assets | $794,869,000 | 754 |
| Average equity | $76,942,750 | 914 |
| Average total loans | $673,022,750 | 614 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 2,411 |
| Cost of funding earning assets | 0.3714% | 6,410 |
| Net interest margin | 4.4535% | 1,077 |
| Noninterest income to average assets | 0.6519% | 2,946 |
| Noninterest expense to average assets | 4.2409% | 698 |
| Loan and lease loss provision to assets | 1.7885% | 185 |
| Net operating income to assets | -0.9953% | 6,905 |
| Return on assets (ROA) | -0.9940% | 6,924 |
| Pretax return on assets | -1.5320% | 7,010 |
| Return on Equity (ROE) | -11.9849% | 6,941 |
| Retained earnings to average equity (ytd only) | -11.9849% | 6,886 |
| Net charge-offs to loans | 3.4788% | 152 |
| Credit loss provision to net charge-offs | 70.0083% | 3,562 |
| Earnings coverage of net charge-offs (x) | 0.0996% | 5,033 |
| Efficiency ratio | 94.2362% | 795 |
| Assets per employee ($millions) | 3.3459% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2399% | 291 |
| Loan loss allowance to noncurrent loans | 40.5169% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 12.2575% | 166 |
| Noncurrent loans to loans | 10.4646% | 237 |
| Net loans and leases to total assets | 68.3903% | 2,219 |
| Net loans and leases to deposits | 75.8632% | 3,015 |
| Net loans and leases to core deposits | 79.0814% | 3,357 |
| Total domestic deposits to total assets | 90.1494% | 843 |
| Equity capital to assets | 8.2905% | 6,386 |
| Core capital (leverage) ratio | 4.7570% | 7,087 |
| Tier 1 risk-based capital ratio | 7.0377% | 7,093 |
| Total risk-based capital ratio | 8.3429% | 7,091 |
| Memoranda: | ||
| Average total assets | $937,863,670 | 706 |
| Average earning assets | $809,394,000 | 744 |
| Average equity | $77,781,000 | 901 |
| Average total loans | $688,748,000 | 600 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 2,576 |
| Cost of funding earning assets | 0.3831% | 6,494 |
| Net interest margin | 4.4304% | 1,163 |
| Noninterest income to average assets | 0.5375% | 3,647 |
| Noninterest expense to average assets | 4.1986% | 744 |
| Loan and lease loss provision to assets | 1.8912% | 161 |
| Net operating income to assets | -1.1062% | 7,017 |
| Return on assets (ROA) | -1.1041% | 7,030 |
| Pretax return on assets | -1.7046% | 7,106 |
| Return on Equity (ROE) | -13.3103% | 7,046 |
| Retained earnings to average equity (ytd only) | -13.3103% | 6,938 |
| Net charge-offs to loans | 4.5426% | 119 |
| Credit loss provision to net charge-offs | 55.9562% | 3,182 |
| Earnings coverage of net charge-offs (x) | 0.0542% | 4,341 |
| Efficiency ratio | 95.7126% | 735 |
| Assets per employee ($millions) | 3.4597% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9777% | 377 |
| Loan loss allowance to noncurrent loans | 38.4478% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 12.0618% | 202 |
| Noncurrent loans to loans | 10.3457% | 282 |
| Net loans and leases to total assets | 70.0521% | 1,743 |
| Net loans and leases to deposits | 78.5306% | 2,412 |
| Net loans and leases to core deposits | 81.8849% | 2,852 |
| Total domestic deposits to total assets | 89.2037% | 1,559 |
| Equity capital to assets | 8.1588% | 6,402 |
| Core capital (leverage) ratio | 5.0004% | 7,120 |
| Tier 1 risk-based capital ratio | 7.1088% | 7,126 |
| Total risk-based capital ratio | 8.4280% | 7,123 |
| Memoranda: | ||
| Average total assets | $951,757,000 | 699 |
| Average earning assets | $825,833,000 | 732 |
| Average equity | $78,946,500 | 876 |
| Average total loans | $708,141,000 | 578 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 2,758 |
| Cost of funding earning assets | 0.5033% | 6,517 |
| Net interest margin | 4.5265% | 1,080 |
| Noninterest income to average assets | 0.0699% | 6,754 |
| Noninterest expense to average assets | 4.1553% | 854 |
| Loan and lease loss provision to assets | 3.9053% | 56 |
| Net operating income to assets | -2.6308% | 7,131 |
| Return on assets (ROA) | -2.6292% | 7,138 |
| Pretax return on assets | -4.0036% | 7,269 |
| Return on Equity (ROE) | -29.4868% | 7,088 |
| Retained earnings to average equity (ytd only) | -29.4868% | 7,081 |
| Net charge-offs to loans | 3.3193% | 248 |
| Credit loss provision to net charge-offs | 148.9178% | 1,908 |
| Earnings coverage of net charge-offs (x) | -0.0384% | 5,854 |
| Efficiency ratio | 102.3681% | 607 |
| Assets per employee ($millions) | 3.5394% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3134% | 292 |
| Loan loss allowance to noncurrent loans | 33.4781% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 12.6635% | 182 |
| Noncurrent loans to loans | 12.8844% | 176 |
| Net loans and leases to total assets | 72.5802% | 1,541 |
| Net loans and leases to deposits | 80.5395% | 2,425 |
| Net loans and leases to core deposits | 84.4918% | 2,817 |
| Total domestic deposits to total assets | 90.1175% | 931 |
| Equity capital to assets | 8.4308% | 6,223 |
| Core capital (leverage) ratio | 5.3468% | 7,110 |
| Tier 1 risk-based capital ratio | 7.6978% | 7,126 |
| Total risk-based capital ratio | 9.0214% | 7,124 |
| Memoranda: | ||
| Average total assets | $988,347,800 | 663 |
| Average earning assets | $870,070,200 | 674 |
| Average equity | $88,127,600 | 763 |
| Average total loans | $780,858,400 | 524 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1124% | 2,545 |
| Cost of funding earning assets | 0.5188% | 6,629 |
| Net interest margin | 4.5937% | 960 |
| Noninterest income to average assets | -0.0429% | 7,153 |
| Noninterest expense to average assets | 4.2121% | 786 |
| Loan and lease loss provision to assets | 4.7051% | 38 |
| Net operating income to assets | -3.2444% | 7,293 |
| Return on assets (ROA) | -3.2426% | 7,294 |
| Pretax return on assets | -4.9102% | 7,375 |
| Return on Equity (ROE) | -35.8986% | 7,232 |
| Retained earnings to average equity (ytd only) | -35.8986% | 7,225 |
| Net charge-offs to loans | 3.4338% | 237 |
| Credit loss provision to net charge-offs | 171.7981% | 1,749 |
| Earnings coverage of net charge-offs (x) | -0.0759% | 5,645 |
| Efficiency ratio | 105.0776% | 523 |
| Assets per employee ($millions) | 3.4900% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4103% | 282 |
| Loan loss allowance to noncurrent loans | 36.4354% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 12.2202% | 220 |
| Noncurrent loans to loans | 12.1045% | 232 |
| Net loans and leases to total assets | 74.6616% | 1,207 |
| Net loans and leases to deposits | 82.9423% | 2,183 |
| Net loans and leases to core deposits | 87.1589% | 2,606 |
| Total domestic deposits to total assets | 90.0163% | 856 |
| Equity capital to assets | 8.5110% | 6,283 |
| Core capital (leverage) ratio | 5.6331% | 7,172 |
| Tier 1 risk-based capital ratio | 7.8620% | 7,202 |
| Total risk-based capital ratio | 9.1822% | 7,200 |
| Memoranda: | ||
| Average total assets | $997,410,500 | 668 |
| Average earning assets | $878,755,000 | 680 |
| Average equity | $90,092,250 | 751 |
| Average total loans | $795,526,750 | 521 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 2,655 |
| Cost of funding earning assets | 0.5380% | 6,713 |
| Net interest margin | 4.5676% | 973 |
| Noninterest income to average assets | -0.3874% | 7,404 |
| Noninterest expense to average assets | 4.3553% | 698 |
| Loan and lease loss provision to assets | 5.2177% | 47 |
| Net operating income to assets | -3.8331% | 7,382 |
| Return on assets (ROA) | -3.8305% | 7,383 |
| Pretax return on assets | -5.9181% | 7,459 |
| Return on Equity (ROE) | -41.6419% | 7,316 |
| Retained earnings to average equity (ytd only) | -41.6419% | 7,313 |
| Net charge-offs to loans | 4.1031% | 196 |
| Credit loss provision to net charge-offs | 158.3895% | 1,922 |
| Earnings coverage of net charge-offs (x) | -0.2138% | 5,416 |
| Efficiency ratio | 119.1746% | 351 |
| Assets per employee ($millions) | 3.4621% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6276% | 547 |
| Loan loss allowance to noncurrent loans | 29.5204% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 12.7333% | 220 |
| Noncurrent loans to loans | 12.2884% | 235 |
| Net loans and leases to total assets | 79.4834% | 589 |
| Net loans and leases to deposits | 88.1294% | 1,479 |
| Net loans and leases to core deposits | 93.2089% | 1,996 |
| Total domestic deposits to total assets | 90.1894% | 872 |
| Equity capital to assets | 9.2256% | 5,240 |
| Core capital (leverage) ratio | 6.2948% | 7,157 |
| Tier 1 risk-based capital ratio | 8.4922% | 7,215 |
| Total risk-based capital ratio | 9.8001% | 7,213 |
| Memoranda: | ||
| Average total assets | $1,008,800,670 | 666 |
| Average earning assets | $891,900,000 | 677 |
| Average equity | $92,796,000 | 737 |
| Average total loans | $809,918,670 | 526 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 2,824 |
| Cost of funding earning assets | 0.5666% | 6,736 |
| Net interest margin | 4.4897% | 1,094 |
| Noninterest income to average assets | -1.6359% | 7,550 |
| Noninterest expense to average assets | 4.6299% | 521 |
| Loan and lease loss provision to assets | 10.0461% | 12 |
| Net operating income to assets | -7.9749% | 7,540 |
| Return on assets (ROA) | -7.9719% | 7,540 |
| Pretax return on assets | -12.3144% | 7,563 |
| Return on Equity (ROE) | -86.7793% | 7,488 |
| Retained earnings to average equity (ytd only) | -86.7793% | 7,481 |
| Net charge-offs to loans | 4.4614% | 188 |
| Credit loss provision to net charge-offs | 283.9679% | 1,120 |
| Earnings coverage of net charge-offs (x) | -0.6425% | 4,832 |
| Efficiency ratio | 196.2553% | 72 |
| Assets per employee ($millions) | 3.5102% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3950% | 312 |
| Loan loss allowance to noncurrent loans | 54.2511% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 8.8152% | 506 |
| Noncurrent loans to loans | 8.1013% | 607 |
| Net loans and leases to total assets | 76.7770% | 907 |
| Net loans and leases to deposits | 86.2339% | 1,692 |
| Net loans and leases to core deposits | 93.8477% | 1,902 |
| Total domestic deposits to total assets | 89.0334% | 1,751 |
| Equity capital to assets | 8.5035% | 5,897 |
| Core capital (leverage) ratio | 5.4341% | 7,316 |
| Tier 1 risk-based capital ratio | 8.0630% | 7,287 |
| Total risk-based capital ratio | 9.3804% | 7,288 |
| Memoranda: | ||
| Average total assets | $1,042,356,000 | 650 |
| Average earning assets | $927,001,500 | 657 |
| Average equity | $95,755,500 | 706 |
| Average total loans | $826,547,500 | 529 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5145% | 2,220 |
| Cost of funding earning assets | 0.5243% | 7,264 |
| Net interest margin | 4.9902% | 440 |
| Noninterest income to average assets | 1.3549% | 799 |
| Noninterest expense to average assets | 3.4465% | 2,318 |
| Loan and lease loss provision to assets | 2.0504% | 635 |
| Net operating income to assets | 0.3685% | 4,683 |
| Return on assets (ROA) | 0.3422% | 4,941 |
| Pretax return on assets | 0.4041% | 4,931 |
| Return on Equity (ROE) | 3.6585% | 4,668 |
| Retained earnings to average equity (ytd only) | 3.6585% | 3,299 |
| Net charge-offs to loans | 1.9429% | 1,055 |
| Credit loss provision to net charge-offs | 139.9033% | 2,707 |
| Earnings coverage of net charge-offs (x) | 1.6958% | 4,456 |
| Efficiency ratio | 58.1012% | 6,326 |
| Assets per employee ($millions) | 3.2407% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8101% | 2,831 |
| Loan loss allowance to noncurrent loans | 57.1970% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 3.0944% | 2,281 |
| Noncurrent loans to loans | 3.1646% | 2,403 |
| Net loans and leases to total assets | 73.8162% | 1,696 |
| Net loans and leases to deposits | 82.2696% | 2,752 |
| Net loans and leases to core deposits | 90.0066% | 2,762 |
| Total domestic deposits to total assets | 89.7248% | 1,255 |
| Equity capital to assets | 9.7741% | 4,026 |
| Core capital (leverage) ratio | 9.6555% | 3,474 |
| Tier 1 risk-based capital ratio | 13.3832% | 4,302 |
| Total risk-based capital ratio | 14.6769% | 4,236 |
| Memoranda: | ||
| Average total assets | $507,842,200 | 1,316 |
| Average earning assets | $465,791,000 | 1,321 |
| Average equity | $47,505,800 | 1,407 |
| Average total loans | $383,096,200 | 1,186 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6405% | 1,914 |
| Cost of funding earning assets | 0.5599% | 7,366 |
| Net interest margin | 5.0806% | 374 |
| Noninterest income to average assets | 1.2796% | 841 |
| Noninterest expense to average assets | 3.4337% | 2,197 |
| Loan and lease loss provision to assets | 2.0652% | 566 |
| Net operating income to assets | 0.4014% | 4,747 |
| Return on assets (ROA) | 0.3621% | 5,103 |
| Pretax return on assets | 0.3861% | 5,258 |
| Return on Equity (ROE) | 3.9134% | 4,818 |
| Retained earnings to average equity (ytd only) | 3.9134% | 3,715 |
| Net charge-offs to loans | 1.5006% | 1,339 |
| Credit loss provision to net charge-offs | 182.2796% | 1,998 |
| Earnings coverage of net charge-offs (x) | 2.2005% | 4,079 |
| Efficiency ratio | 57.9349% | 6,281 |
| Assets per employee ($millions) | 3.2779% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9599% | 2,326 |
| Loan loss allowance to noncurrent loans | 96.7649% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 2.0862% | 3,358 |
| Noncurrent loans to loans | 2.0254% | 3,647 |
| Net loans and leases to total assets | 73.6886% | 1,864 |
| Net loans and leases to deposits | 82.5765% | 2,990 |
| Net loans and leases to core deposits | 91.4797% | 2,879 |
| Total domestic deposits to total assets | 89.2368% | 1,263 |
| Equity capital to assets | 9.6558% | 4,607 |
| Core capital (leverage) ratio | 9.6825% | 3,643 |
| Tier 1 risk-based capital ratio | 13.0514% | 4,544 |
| Total risk-based capital ratio | 14.3106% | 4,509 |
| Memoranda: | ||
| Average total assets | $510,036,750 | 1,319 |
| Average earning assets | $466,519,000 | 1,327 |
| Average equity | $47,187,500 | 1,427 |
| Average total loans | $385,075,000 | 1,184 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 1,605 |
| Cost of funding earning assets | 0.5902% | 7,425 |
| Net interest margin | 5.1483% | 312 |
| Noninterest income to average assets | 1.2756% | 794 |
| Noninterest expense to average assets | 3.4777% | 2,076 |
| Loan and lease loss provision to assets | 2.5542% | 437 |
| Net operating income to assets | 0.0771% | 5,931 |
| Return on assets (ROA) | 0.0846% | 6,012 |
| Pretax return on assets | -0.0542% | 6,205 |
| Return on Equity (ROE) | 0.9279% | 5,971 |
| Retained earnings to average equity (ytd only) | 0.9279% | 5,390 |
| Net charge-offs to loans | 1.8583% | 1,004 |
| Credit loss provision to net charge-offs | 181.7930% | 2,166 |
| Earnings coverage of net charge-offs (x) | 1.7710% | 4,189 |
| Efficiency ratio | 58.2914% | 6,334 |
| Assets per employee ($millions) | 3.2666% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 2,842 |
| Loan loss allowance to noncurrent loans | 52.4160% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 2.8998% | 2,478 |
| Noncurrent loans to loans | 3.3658% | 2,375 |
| Net loans and leases to total assets | 76.9221% | 1,308 |
| Net loans and leases to deposits | 85.6526% | 2,560 |
| Net loans and leases to core deposits | 93.8643% | 2,738 |
| Total domestic deposits to total assets | 89.8071% | 1,019 |
| Equity capital to assets | 9.6489% | 4,472 |
| Core capital (leverage) ratio | 9.5524% | 3,739 |
| Tier 1 risk-based capital ratio | 12.0844% | 5,238 |
| Total risk-based capital ratio | 13.3291% | 5,212 |
| Memoranda: | ||
| Average total assets | $512,874,330 | 1,319 |
| Average earning assets | $467,264,000 | 1,329 |
| Average equity | $46,774,670 | 1,434 |
| Average total loans | $387,782,000 | 1,190 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5646% | 2,306 |
| Cost of funding earning assets | 0.6122% | 7,519 |
| Net interest margin | 4.9524% | 458 |
| Noninterest income to average assets | 1.0772% | 1,093 |
| Noninterest expense to average assets | 3.4109% | 2,200 |
| Loan and lease loss provision to assets | 3.9671% | 220 |
| Net operating income to assets | -1.0397% | 7,130 |
| Return on assets (ROA) | -1.0368% | 7,147 |
| Pretax return on assets | -1.7478% | 7,335 |
| Return on Equity (ROE) | -11.6847% | 7,197 |
| Retained earnings to average equity (ytd only) | -11.6847% | 7,049 |
| Net charge-offs to loans | 1.3144% | 1,301 |
| Credit loss provision to net charge-offs | 405.9329% | 1,010 |
| Earnings coverage of net charge-offs (x) | 2.2662% | 3,406 |
| Efficiency ratio | 60.6320% | 6,068 |
| Assets per employee ($millions) | 3.4225% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0023% | 2,184 |
| Loan loss allowance to noncurrent loans | 45.6993% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 3.7383% | 1,861 |
| Noncurrent loans to loans | 4.3814% | 1,722 |
| Net loans and leases to total assets | 74.7971% | 1,788 |
| Net loans and leases to deposits | 89.1363% | 2,046 |
| Net loans and leases to core deposits | 94.8724% | 2,721 |
| Total domestic deposits to total assets | 83.9131% | 4,182 |
| Equity capital to assets | 9.0878% | 5,151 |
| Core capital (leverage) ratio | 8.8140% | 4,837 |
| Tier 1 risk-based capital ratio | 11.4059% | 5,760 |
| Total risk-based capital ratio | 12.7659% | 5,633 |
| Memoranda: | ||
| Average total assets | $524,313,500 | 1,327 |
| Average earning assets | $481,548,000 | 1,324 |
| Average equity | $46,522,500 | 1,450 |
| Average total loans | $389,831,000 | 1,215 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0436% | 1,698 |
| Cost of funding earning assets | 1.1089% | 6,948 |
| Net interest margin | 4.9347% | 513 |
| Noninterest income to average assets | 1.3335% | 842 |
| Noninterest expense to average assets | 3.2450% | 3,207 |
| Loan and lease loss provision to assets | 0.6187% | 3,327 |
| Net operating income to assets | 1.3651% | 911 |
| Return on assets (ROA) | 1.1214% | 1,495 |
| Pretax return on assets | 1.6571% | 856 |
| Return on Equity (ROE) | 13.7498% | 829 |
| Retained earnings to average equity (ytd only) | 13.7498% | 130 |
| Net charge-offs to loans | 1.0138% | 2,386 |
| Credit loss provision to net charge-offs | 81.9057% | 6,247 |
| Earnings coverage of net charge-offs (x) | 3.4871% | 3,326 |
| Efficiency ratio | 55.1952% | 7,108 |
| Assets per employee ($millions) | 3.4749% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 6,524 |
| Loan loss allowance to noncurrent loans | 21.1878% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 3.6820% | 1,811 |
| Noncurrent loans to loans | 4.5883% | 1,537 |
| Net loans and leases to total assets | 71.8009% | 2,806 |
| Net loans and leases to deposits | 88.8222% | 2,417 |
| Net loans and leases to core deposits | 107.3064% | 3,181 |
| Total domestic deposits to total assets | 80.8366% | 5,393 |
| Equity capital to assets | 8.6723% | 5,627 |
| Core capital (leverage) ratio | 8.9322% | 4,536 |
| Tier 1 risk-based capital ratio | 11.4784% | 5,410 |
| Total risk-based capital ratio | 12.4440% | 5,685 |
| Memoranda: | ||
| Average total assets | $522,365,800 | 1,314 |
| Average earning assets | $481,187,200 | 1,313 |
| Average equity | $42,604,400 | 1,568 |
| Average total loans | $389,227,400 | 1,235 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2413% | 1,264 |
| Cost of funding earning assets | 1.1993% | 6,888 |
| Net interest margin | 5.0420% | 408 |
| Noninterest income to average assets | 1.3670% | 810 |
| Noninterest expense to average assets | 3.3160% | 2,849 |
| Loan and lease loss provision to assets | 0.5236% | 3,291 |
| Net operating income to assets | 1.4510% | 912 |
| Return on assets (ROA) | 1.1258% | 1,723 |
| Pretax return on assets | 1.6795% | 1,015 |
| Return on Equity (ROE) | 14.0358% | 922 |
| Retained earnings to average equity (ytd only) | 14.0358% | 190 |
| Net charge-offs to loans | 0.3097% | 4,102 |
| Credit loss provision to net charge-offs | 225.2772% | 1,936 |
| Earnings coverage of net charge-offs (x) | 11.5676% | 1,841 |
| Efficiency ratio | 55.2246% | 7,095 |
| Assets per employee ($millions) | 3.4852% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 3,774 |
| Loan loss allowance to noncurrent loans | 34.9883% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 3.4075% | 1,960 |
| Noncurrent loans to loans | 4.0910% | 1,787 |
| Net loans and leases to total assets | 71.3084% | 3,196 |
| Net loans and leases to deposits | 80.7656% | 4,243 |
| Net loans and leases to core deposits | 97.8684% | 4,620 |
| Total domestic deposits to total assets | 88.2905% | 1,523 |
| Equity capital to assets | 8.2113% | 6,628 |
| Core capital (leverage) ratio | 8.4583% | 5,566 |
| Tier 1 risk-based capital ratio | 10.7794% | 6,185 |
| Total risk-based capital ratio | 12.0304% | 6,144 |
| Memoranda: | ||
| Average total assets | $517,434,500 | 1,348 |
| Average earning assets | $475,933,750 | 1,346 |
| Average equity | $41,502,500 | 1,632 |
| Average total loans | $388,272,500 | 1,256 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4230% | 959 |
| Cost of funding earning assets | 1.2481% | 6,966 |
| Net interest margin | 5.1750% | 309 |
| Noninterest income to average assets | 1.3651% | 821 |
| Noninterest expense to average assets | 3.3488% | 2,798 |
| Loan and lease loss provision to assets | 0.6234% | 2,561 |
| Net operating income to assets | 1.4487% | 933 |
| Return on assets (ROA) | 0.9868% | 2,255 |
| Pretax return on assets | 1.4455% | 1,603 |
| Return on Equity (ROE) | 12.4083% | 1,306 |
| Retained earnings to average equity (ytd only) | 12.4083% | 388 |
| Net charge-offs to loans | 0.2846% | 3,768 |
| Credit loss provision to net charge-offs | 288.1603% | 1,624 |
| Earnings coverage of net charge-offs (x) | 12.7031% | 1,796 |
| Efficiency ratio | 54.9250% | 7,236 |
| Assets per employee ($millions) | 3.3101% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 3,607 |
| Loan loss allowance to noncurrent loans | 34.9132% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 3.1473% | 1,996 |
| Noncurrent loans to loans | 4.0772% | 1,645 |
| Net loans and leases to total assets | 71.4786% | 3,354 |
| Net loans and leases to deposits | 77.8882% | 4,893 |
| Net loans and leases to core deposits | 95.8278% | 4,924 |
| Total domestic deposits to total assets | 91.7708% | 254 |
| Equity capital to assets | 7.8676% | 6,895 |
| Core capital (leverage) ratio | 8.2469% | 5,893 |
| Tier 1 risk-based capital ratio | 10.5447% | 6,333 |
| Total risk-based capital ratio | 11.7964% | 6,288 |
| Memoranda: | ||
| Average total assets | $507,522,670 | 1,397 |
| Average earning assets | $464,081,330 | 1,392 |
| Average equity | $40,360,000 | 1,681 |
| Average total loans | $385,748,670 | 1,283 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8249% | 459 |
| Cost of funding earning assets | 1.3091% | 6,992 |
| Net interest margin | 5.5159% | 173 |
| Noninterest income to average assets | 1.5113% | 617 |
| Noninterest expense to average assets | 3.5751% | 1,918 |
| Loan and lease loss provision to assets | 0.3052% | 3,507 |
| Net operating income to assets | 1.8346% | 495 |
| Return on assets (ROA) | 0.8569% | 3,036 |
| Pretax return on assets | 1.2378% | 2,488 |
| Return on Equity (ROE) | 10.7133% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.7133% | 1,033 |
| Net charge-offs to loans | 0.2371% | 3,218 |
| Credit loss provision to net charge-offs | 165.1982% | 2,587 |
| Earnings coverage of net charge-offs (x) | 16.0220% | 1,571 |
| Efficiency ratio | 54.7073% | 7,147 |
| Assets per employee ($millions) | 2.9380% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 4,624 |
| Loan loss allowance to noncurrent loans | 30.5300% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 3.1922% | 1,740 |
| Noncurrent loans to loans | 4.0122% | 1,498 |
| Net loans and leases to total assets | 76.9665% | 2,046 |
| Net loans and leases to deposits | 84.0582% | 3,977 |
| Net loans and leases to core deposits | 105.7891% | 3,942 |
| Total domestic deposits to total assets | 91.5633% | 264 |
| Equity capital to assets | 8.0366% | 6,753 |
| Core capital (leverage) ratio | 8.1019% | 6,286 |
| Tier 1 risk-based capital ratio | 11.2129% | 5,691 |
| Total risk-based capital ratio | 12.4638% | 5,600 |
| Memoranda: | ||
| Average total assets | $491,513,000 | 1,446 |
| Average earning assets | $447,652,000 | 1,448 |
| Average equity | $39,315,500 | 1,727 |
| Average total loans | $383,010,000 | 1,301 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3875% | 504 |
| Cost of funding earning assets | 1.5953% | 7,462 |
| Net interest margin | 5.7922% | 134 |
| Noninterest income to average assets | 1.6013% | 542 |
| Noninterest expense to average assets | 4.0140% | 1,399 |
| Loan and lease loss provision to assets | 0.3037% | 3,944 |
| Net operating income to assets | 1.6525% | 743 |
| Return on assets (ROA) | 1.6868% | 670 |
| Pretax return on assets | 2.5606% | 174 |
| Return on Equity (ROE) | 20.4828% | 339 |
| Retained earnings to average equity (ytd only) | 0.9823% | 4,643 |
| Net charge-offs to loans | 0.4683% | 2,488 |
| Credit loss provision to net charge-offs | 86.2108% | 5,755 |
| Earnings coverage of net charge-offs (x) | 7.9829% | 2,972 |
| Efficiency ratio | 58.8014% | 6,557 |
| Assets per employee ($millions) | 2.8794% | 6,371 |
| Cash dividends to net income (ytd only)* | 95.2041% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 4,688 |
| Loan loss allowance to noncurrent loans | 44.2958% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.1449% | 2,291 |
| Noncurrent loans to loans | 2.6682% | 2,036 |
| Net loans and leases to total assets | 77.0074% | 2,377 |
| Net loans and leases to deposits | 85.5994% | 4,173 |
| Net loans and leases to core deposits | 104.3622% | 4,360 |
| Total domestic deposits to total assets | 89.9625% | 657 |
| Equity capital to assets | 7.9612% | 6,895 |
| Core capital (leverage) ratio | 8.0741% | 6,366 |
| Tier 1 risk-based capital ratio | 9.6597% | 7,133 |
| Total risk-based capital ratio | 10.7772% | 7,198 |
| Memoranda: | ||
| Average total assets | $498,159,600 | 1,358 |
| Average earning assets | $449,383,600 | 1,382 |
| Average equity | $41,024,600 | 1,628 |
| Average total loans | $374,734,200 | 1,297 |