Home > Cambridge Savings Bank > Performance and Condition Ratios
Cambridge Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 2,119 |
| Cost of funding earning assets | 2.3402% | 506 |
| Net interest margin | 2.6353% | 3,923 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.0195% | 3,587 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.4186% | 3,831 |
| Return on assets (ROA) | 0.3541% | 3,945 |
| Pretax return on assets | 0.4207% | 3,932 |
| Return on Equity (ROE) | 4.1600% | 3,861 |
| Retained earnings to average equity (ytd only) | 4.1612% | 2,899 |
| Net charge-offs to loans | 0.0981% | 922 |
| Credit loss provision to net charge-offs | 161.4025% | 1,397 |
| Earnings coverage of net charge-offs (x) | 7.5818% | 2,392 |
| Efficiency ratio | 76.6265% | 1,195 |
| Assets per employee ($millions) | 14.1627% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 3,639 |
| Loan loss allowance to noncurrent loans | 481.0635% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 2,475 |
| Noncurrent loans to loans | 0.1916% | 2,555 |
| Net loans and leases to total assets | 81.9800% | 434 |
| Net loans and leases to deposits | 104.7077% | 330 |
| Net loans and leases to core deposits | 128.9837% | 416 |
| Total domestic deposits to total assets | 78.3000% | 3,693 |
| Equity capital to assets | 8.7995% | 2,828 |
| Core capital (leverage) ratio | 8.8058% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6837% | 2,658 |
| Memoranda: | ||
| Average total assets | $6,739,431,000 | 218 |
| Average earning assets | $6,305,480,000 | 212 |
| Average equity | $573,461,400 | 241 |
| Average total loans | $5,539,225,400 | 190 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 2,072 |
| Cost of funding earning assets | 2.2020% | 499 |
| Net interest margin | 2.6918% | 3,893 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.9152% | 3,778 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.5623% | 3,639 |
| Return on assets (ROA) | 0.5065% | 3,750 |
| Pretax return on assets | 0.6295% | 3,683 |
| Return on Equity (ROE) | 6.0100% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.0052% | 2,633 |
| Net charge-offs to loans | 0.1273% | 633 |
| Credit loss provision to net charge-offs | 116.0578% | 1,508 |
| Earnings coverage of net charge-offs (x) | 7.7186% | 2,223 |
| Efficiency ratio | 70.2274% | 1,758 |
| Assets per employee ($millions) | 14.3318% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 3,815 |
| Loan loss allowance to noncurrent loans | 540.8238% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 2,673 |
| Noncurrent loans to loans | 0.1616% | 2,742 |
| Net loans and leases to total assets | 81.5800% | 470 |
| Net loans and leases to deposits | 107.9265% | 247 |
| Net loans and leases to core deposits | 133.4127% | 301 |
| Total domestic deposits to total assets | 75.5900% | 4,049 |
| Equity capital to assets | 8.1846% | 2,936 |
| Core capital (leverage) ratio | 8.5604% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0623% | 2,814 |
| Memoranda: | ||
| Average total assets | $6,707,064,750 | 218 |
| Average earning assets | $6,273,947,250 | 213 |
| Average equity | $565,720,000 | 243 |
| Average total loans | $5,503,084,500 | 191 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 2,016 |
| Cost of funding earning assets | 2.0131% | 482 |
| Net interest margin | 2.7757% | 3,857 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.9674% | 3,667 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6248% | 3,519 |
| Return on assets (ROA) | 0.5360% | 3,743 |
| Pretax return on assets | 0.6719% | 3,659 |
| Return on Equity (ROE) | 6.2900% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.2897% | 2,515 |
| Net charge-offs to loans | 0.0036% | 2,184 |
| Credit loss provision to net charge-offs | 3,151.5464% | 172 |
| Earnings coverage of net charge-offs (x) | 291.0619% | 459 |
| Efficiency ratio | 69.6477% | 1,798 |
| Assets per employee ($millions) | 13.8277% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 3,669 |
| Loan loss allowance to noncurrent loans | 281.2405% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 1,830 |
| Noncurrent loans to loans | 0.3328% | 1,939 |
| Net loans and leases to total assets | 81.7500% | 451 |
| Net loans and leases to deposits | 107.7764% | 253 |
| Net loans and leases to core deposits | 129.0320% | 343 |
| Total domestic deposits to total assets | 75.8500% | 4,057 |
| Equity capital to assets | 8.4744% | 2,885 |
| Core capital (leverage) ratio | 8.6776% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2834% | 2,801 |
| Memoranda: | ||
| Average total assets | $6,630,559,000 | 219 |
| Average earning assets | $6,205,601,667 | 210 |
| Average equity | $565,048,667 | 238 |
| Average total loans | $5,434,420,333 | 186 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 1,873 |
| Cost of funding earning assets | 1.7877% | 461 |
| Net interest margin | 2.9036% | 3,789 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.9546% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7229% | 3,416 |
| Return on assets (ROA) | 0.6029% | 3,648 |
| Pretax return on assets | 0.7777% | 3,515 |
| Return on Equity (ROE) | 7.0500% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.0547% | 2,477 |
| Net charge-offs to loans | 0.0009% | 2,028 |
| Credit loss provision to net charge-offs | 4,150.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 1,273.4167% | 77 |
| Efficiency ratio | 67.6352% | 2,021 |
| Assets per employee ($millions) | 13.6671% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 3,822 |
| Loan loss allowance to noncurrent loans | 538.2852% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 2,545 |
| Noncurrent loans to loans | 0.1696% | 2,638 |
| Net loans and leases to total assets | 80.4300% | 501 |
| Net loans and leases to deposits | 105.0102% | 281 |
| Net loans and leases to core deposits | 125.0710% | 347 |
| Total domestic deposits to total assets | 76.5900% | 4,113 |
| Equity capital to assets | 8.4848% | 2,909 |
| Core capital (leverage) ratio | 8.7163% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3427% | 2,893 |
| Memoranda: | ||
| Average total assets | $6,578,786,500 | 227 |
| Average earning assets | $6,156,587,500 | 220 |
| Average equity | $562,235,000 | 244 |
| Average total loans | $5,373,069,500 | 193 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 2,185 |
| Cost of funding earning assets | 0.5912% | 933 |
| Net interest margin | 3.2436% | 2,724 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.0350% | 3,484 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9089% | 2,924 |
| Return on assets (ROA) | 0.8689% | 3,018 |
| Pretax return on assets | 1.1294% | 2,671 |
| Return on Equity (ROE) | 9.6500% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.6502% | 1,257 |
| Net charge-offs to loans | 0.0349% | 1,380 |
| Credit loss provision to net charge-offs | 73.4932% | 1,712 |
| Earnings coverage of net charge-offs (x) | 42.8758% | 1,465 |
| Efficiency ratio | 62.7200% | 2,672 |
| Assets per employee ($millions) | 13.5447% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 3,714 |
| Loan loss allowance to noncurrent loans | 364.7090% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 2,138 |
| Noncurrent loans to loans | 0.2505% | 2,275 |
| Net loans and leases to total assets | 81.4400% | 457 |
| Net loans and leases to deposits | 110.0299% | 155 |
| Net loans and leases to core deposits | 126.6408% | 269 |
| Total domestic deposits to total assets | 74.0100% | 4,356 |
| Equity capital to assets | 8.6095% | 2,627 |
| Core capital (leverage) ratio | 9.0138% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1893% | 2,941 |
| Memoranda: | ||
| Average total assets | $5,806,553,600 | 249 |
| Average earning assets | $5,451,028,800 | 239 |
| Average equity | $522,795,000 | 261 |
| Average total loans | $4,659,596,000 | 202 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5937% | 2,366 |
| Cost of funding earning assets | 0.3628% | 1,588 |
| Net interest margin | 3.2309% | 2,526 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.0062% | 3,470 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9243% | 2,778 |
| Return on assets (ROA) | 0.8651% | 2,993 |
| Pretax return on assets | 1.1309% | 2,627 |
| Return on Equity (ROE) | 9.4900% | 2,878 |
| Retained earnings to average equity (ytd only) | 9.4890% | 1,488 |
| Net charge-offs to loans | 0.0069% | 1,896 |
| Credit loss provision to net charge-offs | 297.0085% | 819 |
| Earnings coverage of net charge-offs (x) | 220.9316% | 589 |
| Efficiency ratio | 61.9580% | 2,830 |
| Assets per employee ($millions) | 12.9898% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,498 |
| Loan loss allowance to noncurrent loans | 308.0440% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 1,912 |
| Noncurrent loans to loans | 0.3240% | 2,075 |
| Net loans and leases to total assets | 79.9500% | 534 |
| Net loans and leases to deposits | 105.2438% | 204 |
| Net loans and leases to core deposits | 113.9547% | 366 |
| Total domestic deposits to total assets | 75.9700% | 4,369 |
| Equity capital to assets | 8.7838% | 2,357 |
| Core capital (leverage) ratio | 9.4396% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6749% | 2,900 |
| Memoranda: | ||
| Average total assets | $5,639,604,000 | 252 |
| Average earning assets | $5,302,866,750 | 244 |
| Average equity | $514,141,000 | 264 |
| Average total loans | $4,494,183,750 | 208 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4143% | 2,393 |
| Cost of funding earning assets | 0.2544% | 2,202 |
| Net interest margin | 3.1598% | 2,329 |
| Noninterest income to average assets | 0.2232% | 3,858 |
| Noninterest expense to average assets | 2.0389% | 3,326 |
| Loan and lease loss provision to assets | 0.0071% | 2,473 |
| Net operating income to assets | 0.8770% | 2,679 |
| Return on assets (ROA) | 0.7892% | 2,964 |
| Pretax return on assets | 1.0395% | 2,608 |
| Return on Equity (ROE) | 8.5399% | 2,851 |
| Retained earnings to average equity (ytd only) | 8.5399% | 1,419 |
| Net charge-offs to loans | 0.0092% | 1,646 |
| Credit loss provision to net charge-offs | 97.5000% | 1,314 |
| Earnings coverage of net charge-offs (x) | 158.3750% | 618 |
| Efficiency ratio | 63.5843% | 2,830 |
| Assets per employee ($millions) | 12.4866% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 3,223 |
| Loan loss allowance to noncurrent loans | 334.0302% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 2,018 |
| Noncurrent loans to loans | 0.3240% | 2,179 |
| Net loans and leases to total assets | 78.7398% | 502 |
| Net loans and leases to deposits | 101.2166% | 237 |
| Net loans and leases to core deposits | 105.6642% | 464 |
| Total domestic deposits to total assets | 77.7934% | 4,364 |
| Equity capital to assets | 8.8720% | 2,476 |
| Core capital (leverage) ratio | 9.3163% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3710% | 2,709 |
| Memoranda: | ||
| Average total assets | $5,471,419,000 | 254 |
| Average earning assets | $5,148,814,333 | 249 |
| Average equity | $505,625,000 | 265 |
| Average total loans | $4,338,293,667 | 210 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3795% | 2,149 |
| Cost of funding earning assets | 0.2564% | 2,081 |
| Net interest margin | 3.1232% | 2,099 |
| Noninterest income to average assets | 0.1714% | 4,138 |
| Noninterest expense to average assets | 2.1282% | 3,055 |
| Loan and lease loss provision to assets | 0.0146% | 2,092 |
| Net operating income to assets | 0.7484% | 2,860 |
| Return on assets (ROA) | 0.6948% | 3,067 |
| Pretax return on assets | 0.9028% | 2,763 |
| Return on Equity (ROE) | 7.3626% | 2,923 |
| Retained earnings to average equity (ytd only) | 7.3626% | 1,779 |
| Net charge-offs to loans | 0.0025% | 1,719 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 507.7308% | 204 |
| Efficiency ratio | 68.1472% | 2,487 |
| Assets per employee ($millions) | 11.8515% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,047 |
| Loan loss allowance to noncurrent loans | 333.2408% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 2,029 |
| Noncurrent loans to loans | 0.3487% | 2,237 |
| Net loans and leases to total assets | 77.8125% | 387 |
| Net loans and leases to deposits | 92.4086% | 417 |
| Net loans and leases to core deposits | 97.4490% | 597 |
| Total domestic deposits to total assets | 84.2048% | 3,726 |
| Equity capital to assets | 9.3310% | 2,418 |
| Core capital (leverage) ratio | 9.2156% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0877% | 2,579 |
| Memoranda: | ||
| Average total assets | $5,360,186,000 | 263 |
| Average earning assets | $5,049,105,500 | 258 |
| Average equity | $505,855,500 | 270 |
| Average total loans | $4,241,238,500 | 212 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4056% | 2,916 |
| Cost of funding earning assets | 0.3293% | 2,129 |
| Net interest margin | 3.0763% | 2,977 |
| Noninterest income to average assets | 0.3802% | 3,163 |
| Noninterest expense to average assets | 2.1283% | 3,311 |
| Loan and lease loss provision to assets | 0.0456% | 2,141 |
| Net operating income to assets | 0.8566% | 3,167 |
| Return on assets (ROA) | 0.8993% | 3,107 |
| Pretax return on assets | 1.1520% | 2,814 |
| Return on Equity (ROE) | 9.7085% | 2,636 |
| Retained earnings to average equity (ytd only) | 9.7085% | 993 |
| Net charge-offs to loans | 0.0061% | 2,358 |
| Credit loss provision to net charge-offs | 944.8819% | 553 |
| Earnings coverage of net charge-offs (x) | 236.9921% | 486 |
| Efficiency ratio | 64.8144% | 2,430 |
| Assets per employee ($millions) | 11.8662% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 3,103 |
| Loan loss allowance to noncurrent loans | 329.8191% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 2,153 |
| Noncurrent loans to loans | 0.3502% | 2,327 |
| Net loans and leases to total assets | 78.6068% | 347 |
| Net loans and leases to deposits | 94.4587% | 369 |
| Net loans and leases to core deposits | 99.7549% | 548 |
| Total domestic deposits to total assets | 83.2182% | 3,763 |
| Equity capital to assets | 9.5444% | 3,106 |
| Core capital (leverage) ratio | 8.9417% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9454% | 2,649 |
| Memoranda: | ||
| Average total assets | $5,263,832,000 | 264 |
| Average earning assets | $4,947,800,400 | 254 |
| Average equity | $487,582,200 | 272 |
| Average total loans | $4,137,384,800 | 218 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3812% | 3,156 |
| Cost of funding earning assets | 0.3400% | 2,203 |
| Net interest margin | 3.0412% | 3,202 |
| Noninterest income to average assets | 0.4208% | 2,974 |
| Noninterest expense to average assets | 2.0549% | 3,505 |
| Loan and lease loss provision to assets | 0.0610% | 1,774 |
| Net operating income to assets | 0.8973% | 3,256 |
| Return on assets (ROA) | 0.9405% | 3,201 |
| Pretax return on assets | 1.2158% | 2,879 |
| Return on Equity (ROE) | 10.2321% | 2,650 |
| Retained earnings to average equity (ytd only) | 10.2321% | 1,252 |
| Net charge-offs to loans | 0.0004% | 2,443 |
| Credit loss provision to net charge-offs | 18,461.5385% | 37 |
| Earnings coverage of net charge-offs (x) | 3,698.4615% | 34 |
| Efficiency ratio | 62.4647% | 2,619 |
| Assets per employee ($millions) | 11.7604% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,065 |
| Loan loss allowance to noncurrent loans | 195.4755% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 1,612 |
| Noncurrent loans to loans | 0.6050% | 1,795 |
| Net loans and leases to total assets | 76.9814% | 476 |
| Net loans and leases to deposits | 91.0896% | 543 |
| Net loans and leases to core deposits | 99.9767% | 583 |
| Total domestic deposits to total assets | 84.5118% | 3,295 |
| Equity capital to assets | 9.3208% | 3,539 |
| Core capital (leverage) ratio | 8.8730% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9236% | 2,735 |
| Memoranda: | ||
| Average total assets | $5,244,846,750 | 263 |
| Average earning assets | $4,926,040,750 | 255 |
| Average equity | $482,066,000 | 277 |
| Average total loans | $4,110,111,500 | 219 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 3,253 |
| Cost of funding earning assets | 0.3508% | 2,314 |
| Net interest margin | 3.0228% | 3,264 |
| Noninterest income to average assets | 0.4867% | 2,684 |
| Noninterest expense to average assets | 2.0982% | 3,398 |
| Loan and lease loss provision to assets | 0.0691% | 1,668 |
| Net operating income to assets | 0.8898% | 3,249 |
| Return on assets (ROA) | 0.9477% | 3,152 |
| Pretax return on assets | 1.2297% | 2,831 |
| Return on Equity (ROE) | 10.3613% | 2,631 |
| Retained earnings to average equity (ytd only) | 10.3613% | 1,296 |
| Net charge-offs to loans | 0.0007% | 2,222 |
| Credit loss provision to net charge-offs | 12,857.1429% | 39 |
| Earnings coverage of net charge-offs (x) | 2,280.0714% | 41 |
| Efficiency ratio | 62.8845% | 2,598 |
| Assets per employee ($millions) | 11.8915% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,096 |
| Loan loss allowance to noncurrent loans | 193.5143% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 1,747 |
| Noncurrent loans to loans | 0.6043% | 1,895 |
| Net loans and leases to total assets | 78.4682% | 409 |
| Net loans and leases to deposits | 92.5196% | 518 |
| Net loans and leases to core deposits | 102.0041% | 590 |
| Total domestic deposits to total assets | 84.8125% | 3,173 |
| Equity capital to assets | 9.3175% | 3,496 |
| Core capital (leverage) ratio | 8.7809% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7377% | 2,796 |
| Memoranda: | ||
| Average total assets | $5,209,469,000 | 259 |
| Average earning assets | $4,889,162,667 | 254 |
| Average equity | $476,503,667 | 277 |
| Average total loans | $4,090,630,000 | 221 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 3,217 |
| Cost of funding earning assets | 0.3653% | 2,401 |
| Net interest margin | 3.0268% | 3,190 |
| Noninterest income to average assets | 0.4233% | 2,970 |
| Noninterest expense to average assets | 1.9932% | 3,737 |
| Loan and lease loss provision to assets | 0.0616% | 1,894 |
| Net operating income to assets | 0.9314% | 3,045 |
| Return on assets (ROA) | 1.0232% | 2,816 |
| Pretax return on assets | 1.3235% | 2,507 |
| Return on Equity (ROE) | 11.2923% | 2,274 |
| Retained earnings to average equity (ytd only) | 11.2923% | 1,321 |
| Net charge-offs to loans | -0.0009% | 3,042 |
| Credit loss provision to net charge-offs | -8,888.8889% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8454% | 2,929 |
| Assets per employee ($millions) | 12.0010% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,070 |
| Loan loss allowance to noncurrent loans | 180.4455% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 1,550 |
| Noncurrent loans to loans | 0.6507% | 1,943 |
| Net loans and leases to total assets | 77.2905% | 517 |
| Net loans and leases to deposits | 92.6824% | 559 |
| Net loans and leases to core deposits | 101.1043% | 666 |
| Total domestic deposits to total assets | 83.3929% | 3,590 |
| Equity capital to assets | 9.1852% | 3,504 |
| Core capital (leverage) ratio | 8.7556% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7621% | 2,748 |
| Memoranda: | ||
| Average total assets | $5,192,133,500 | 256 |
| Average earning assets | $4,870,011,000 | 251 |
| Average equity | $470,445,000 | 278 |
| Average total loans | $4,054,107,500 | 222 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 3,680 |
| Cost of funding earning assets | 0.5994% | 2,315 |
| Net interest margin | 3.0584% | 3,734 |
| Noninterest income to average assets | 0.3687% | 3,272 |
| Noninterest expense to average assets | 2.0143% | 4,114 |
| Loan and lease loss provision to assets | 0.3421% | 1,027 |
| Net operating income to assets | 0.7001% | 3,435 |
| Return on assets (ROA) | 0.7174% | 3,503 |
| Pretax return on assets | 0.9015% | 3,360 |
| Return on Equity (ROE) | 7.8413% | 2,873 |
| Retained earnings to average equity (ytd only) | -4.6509% | 4,827 |
| Net charge-offs to loans | 0.0980% | 1,489 |
| Credit loss provision to net charge-offs | 440.2232% | 1,348 |
| Earnings coverage of net charge-offs (x) | 15.7237% | 2,161 |
| Efficiency ratio | 62.0694% | 3,121 |
| Assets per employee ($millions) | 12.0928% | 315 |
| Cash dividends to net income (ytd only)* | 159.3128% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 3,164 |
| Loan loss allowance to noncurrent loans | 209.3453% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 1,948 |
| Noncurrent loans to loans | 0.5541% | 2,322 |
| Net loans and leases to total assets | 77.0503% | 693 |
| Net loans and leases to deposits | 97.9038% | 465 |
| Net loans and leases to core deposits | 105.7582% | 651 |
| Total domestic deposits to total assets | 78.7000% | 4,232 |
| Equity capital to assets | 8.9361% | 4,113 |
| Core capital (leverage) ratio | 8.4409% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4463% | 2,816 |
| Memoranda: | ||
| Average total assets | $4,843,445,200 | 252 |
| Average earning assets | $4,541,055,200 | 246 |
| Average equity | $443,141,400 | 282 |
| Average total loans | $3,842,620,400 | 228 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6871% | 3,823 |
| Cost of funding earning assets | 0.6621% | 2,251 |
| Net interest margin | 3.0250% | 3,917 |
| Noninterest income to average assets | 0.3101% | 3,637 |
| Noninterest expense to average assets | 2.0181% | 4,113 |
| Loan and lease loss provision to assets | 0.3243% | 1,205 |
| Net operating income to assets | 0.6486% | 3,632 |
| Return on assets (ROA) | 0.6035% | 3,854 |
| Pretax return on assets | 0.7487% | 3,782 |
| Return on Equity (ROE) | 6.5549% | 3,356 |
| Retained earnings to average equity (ytd only) | -10.2952% | 4,930 |
| Net charge-offs to loans | 0.1396% | 1,042 |
| Credit loss provision to net charge-offs | 291.3624% | 1,796 |
| Earnings coverage of net charge-offs (x) | 10.1405% | 2,377 |
| Efficiency ratio | 63.9938% | 2,734 |
| Assets per employee ($millions) | 12.1376% | 313 |
| Cash dividends to net income (ytd only)* | 257.0606% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 3,725 |
| Loan loss allowance to noncurrent loans | 176.5047% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 2,363 |
| Noncurrent loans to loans | 0.5640% | 2,386 |
| Net loans and leases to total assets | 79.8367% | 631 |
| Net loans and leases to deposits | 103.0812% | 413 |
| Net loans and leases to core deposits | 116.4647% | 489 |
| Total domestic deposits to total assets | 77.4503% | 4,271 |
| Equity capital to assets | 8.6595% | 4,363 |
| Core capital (leverage) ratio | 8.1654% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6154% | 3,005 |
| Memoranda: | ||
| Average total assets | $4,757,351,500 | 252 |
| Average earning assets | $4,461,031,500 | 246 |
| Average equity | $438,029,750 | 282 |
| Average total loans | $3,792,241,000 | 228 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 3,939 |
| Cost of funding earning assets | 0.7572% | 2,071 |
| Net interest margin | 3.0159% | 4,086 |
| Noninterest income to average assets | 0.2629% | 3,895 |
| Noninterest expense to average assets | 2.0229% | 4,187 |
| Loan and lease loss provision to assets | 0.3804% | 1,090 |
| Net operating income to assets | 0.5681% | 3,836 |
| Return on assets (ROA) | 0.4934% | 4,111 |
| Pretax return on assets | 0.5983% | 4,068 |
| Return on Equity (ROE) | 5.2413% | 3,761 |
| Retained earnings to average equity (ytd only) | -20.2640% | 5,007 |
| Net charge-offs to loans | 0.1645% | 911 |
| Credit loss provision to net charge-offs | 291.3621% | 1,645 |
| Earnings coverage of net charge-offs (x) | 8.1944% | 2,311 |
| Efficiency ratio | 65.3540% | 2,610 |
| Assets per employee ($millions) | 11.7755% | 329 |
| Cash dividends to net income (ytd only)* | 486.6210% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,671 |
| Loan loss allowance to noncurrent loans | 203.5853% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 2,753 |
| Noncurrent loans to loans | 0.4810% | 2,705 |
| Net loans and leases to total assets | 79.4158% | 669 |
| Net loans and leases to deposits | 99.3442% | 592 |
| Net loans and leases to core deposits | 112.1691% | 658 |
| Total domestic deposits to total assets | 79.9400% | 3,855 |
| Equity capital to assets | 8.6656% | 4,376 |
| Core capital (leverage) ratio | 8.5429% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6387% | 3,058 |
| Memoranda: | ||
| Average total assets | $4,611,505,000 | 254 |
| Average earning assets | $4,326,683,000 | 248 |
| Average equity | $434,090,000 | 283 |
| Average total loans | $3,659,944,667 | 235 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,664 |
| Cost of funding earning assets | 0.9769% | 1,530 |
| Net interest margin | 3.0689% | 4,164 |
| Noninterest income to average assets | 0.2619% | 3,969 |
| Noninterest expense to average assets | 2.0252% | 4,353 |
| Loan and lease loss provision to assets | 0.1425% | 1,962 |
| Net operating income to assets | 0.7826% | 2,964 |
| Return on assets (ROA) | 0.6071% | 3,636 |
| Pretax return on assets | 0.7578% | 3,527 |
| Return on Equity (ROE) | 6.1655% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.1655% | 1,812 |
| Net charge-offs to loans | 0.0028% | 2,496 |
| Credit loss provision to net charge-offs | 6,500.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 510.7917% | 121 |
| Efficiency ratio | 64.3975% | 3,177 |
| Assets per employee ($millions) | 11.0434% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,634 |
| Loan loss allowance to noncurrent loans | 140.6227% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 2,294 |
| Noncurrent loans to loans | 0.7208% | 2,194 |
| Net loans and leases to total assets | 78.0064% | 985 |
| Net loans and leases to deposits | 105.0225% | 331 |
| Net loans and leases to core deposits | 118.5873% | 512 |
| Total domestic deposits to total assets | 74.2759% | 4,639 |
| Equity capital to assets | 9.7870% | 3,969 |
| Core capital (leverage) ratio | 9.7180% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7320% | 2,835 |
| Memoranda: | ||
| Average total assets | $4,379,641,000 | 259 |
| Average earning assets | $4,114,141,000 | 250 |
| Average equity | $431,236,000 | 287 |
| Average total loans | $3,454,717,500 | 239 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 3,538 |
| Cost of funding earning assets | 1.0909% | 1,362 |
| Net interest margin | 3.2108% | 4,163 |
| Noninterest income to average assets | 0.2752% | 4,033 |
| Noninterest expense to average assets | 2.1029% | 4,362 |
| Loan and lease loss provision to assets | 0.0399% | 3,218 |
| Net operating income to assets | 0.9060% | 3,188 |
| Return on assets (ROA) | 0.9550% | 3,081 |
| Pretax return on assets | 1.2150% | 2,784 |
| Return on Equity (ROE) | 9.6338% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.6338% | 564 |
| Net charge-offs to loans | 0.0098% | 3,336 |
| Credit loss provision to net charge-offs | 522.5080% | 559 |
| Earnings coverage of net charge-offs (x) | 156.4051% | 481 |
| Efficiency ratio | 63.8062% | 3,097 |
| Assets per employee ($millions) | 11.0199% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,474 |
| Loan loss allowance to noncurrent loans | 146.3668% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5421% | 2,265 |
| Noncurrent loans to loans | 0.6866% | 2,167 |
| Net loans and leases to total assets | 78.1668% | 1,055 |
| Net loans and leases to deposits | 106.5353% | 277 |
| Net loans and leases to core deposits | 119.1022% | 500 |
| Total domestic deposits to total assets | 73.3717% | 4,804 |
| Equity capital to assets | 9.9080% | 4,002 |
| Core capital (leverage) ratio | 10.0647% | 3,442 |
| Tier 1 risk-based capital ratio | 12.1224% | 4,289 |
| Total risk-based capital ratio | 13.1437% | 4,295 |
| Memoranda: | ||
| Average total assets | $4,077,790,200 | 264 |
| Average earning assets | $3,836,114,600 | 253 |
| Average equity | $404,222,200 | 291 |
| Average total loans | $3,189,593,800 | 241 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 3,472 |
| Cost of funding earning assets | 1.1102% | 1,307 |
| Net interest margin | 3.2520% | 4,181 |
| Noninterest income to average assets | 0.2752% | 4,102 |
| Noninterest expense to average assets | 2.0699% | 4,409 |
| Loan and lease loss provision to assets | 0.0406% | 3,094 |
| Net operating income to assets | 0.9578% | 3,138 |
| Return on assets (ROA) | 0.9584% | 3,211 |
| Pretax return on assets | 1.2242% | 2,902 |
| Return on Equity (ROE) | 9.6672% | 2,588 |
| Retained earnings to average equity (ytd only) | 9.6672% | 843 |
| Net charge-offs to loans | 0.0134% | 2,892 |
| Credit loss provision to net charge-offs | 387.6582% | 784 |
| Earnings coverage of net charge-offs (x) | 120.6875% | 643 |
| Efficiency ratio | 62.0867% | 3,313 |
| Assets per employee ($millions) | 10.6054% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,343 |
| Loan loss allowance to noncurrent loans | 158.6787% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 2,471 |
| Noncurrent loans to loans | 0.6559% | 2,318 |
| Net loans and leases to total assets | 77.6601% | 1,195 |
| Net loans and leases to deposits | 102.2563% | 497 |
| Net loans and leases to core deposits | 116.3771% | 643 |
| Total domestic deposits to total assets | 75.9465% | 4,655 |
| Equity capital to assets | 10.1431% | 3,876 |
| Core capital (leverage) ratio | 10.0690% | 3,566 |
| Tier 1 risk-based capital ratio | 12.5173% | 4,132 |
| Total risk-based capital ratio | 13.5710% | 4,126 |
| Memoranda: | ||
| Average total assets | $4,022,796,000 | 270 |
| Average earning assets | $3,783,687,000 | 258 |
| Average equity | $398,821,750 | 295 |
| Average total loans | $3,138,610,000 | 247 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 3,407 |
| Cost of funding earning assets | 1.0983% | 1,312 |
| Net interest margin | 3.2755% | 4,188 |
| Noninterest income to average assets | 0.2830% | 4,050 |
| Noninterest expense to average assets | 2.0616% | 4,485 |
| Loan and lease loss provision to assets | 0.0614% | 2,594 |
| Net operating income to assets | 0.9735% | 3,010 |
| Return on assets (ROA) | 0.9732% | 3,085 |
| Pretax return on assets | 1.2441% | 2,772 |
| Return on Equity (ROE) | 9.8955% | 2,443 |
| Retained earnings to average equity (ytd only) | 9.8955% | 792 |
| Net charge-offs to loans | -0.0008% | 3,889 |
| Credit loss provision to net charge-offs | -9,423.0769% | 4,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2216% | 3,554 |
| Assets per employee ($millions) | 10.6693% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,190 |
| Loan loss allowance to noncurrent loans | 151.2468% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 2,370 |
| Noncurrent loans to loans | 0.7129% | 2,203 |
| Net loans and leases to total assets | 75.8013% | 1,580 |
| Net loans and leases to deposits | 102.4690% | 514 |
| Net loans and leases to core deposits | 116.3065% | 671 |
| Total domestic deposits to total assets | 73.9749% | 4,834 |
| Equity capital to assets | 9.8896% | 4,066 |
| Core capital (leverage) ratio | 10.0132% | 3,569 |
| Tier 1 risk-based capital ratio | 12.5210% | 4,113 |
| Total risk-based capital ratio | 13.5837% | 4,092 |
| Memoranda: | ||
| Average total assets | $3,988,564,670 | 270 |
| Average earning assets | $3,755,954,000 | 261 |
| Average equity | $392,277,670 | 299 |
| Average total loans | $3,105,627,670 | 251 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 3,280 |
| Cost of funding earning assets | 1.0696% | 1,291 |
| Net interest margin | 3.3182% | 4,118 |
| Noninterest income to average assets | 0.2110% | 4,482 |
| Noninterest expense to average assets | 2.0519% | 4,548 |
| Loan and lease loss provision to assets | 0.0739% | 2,196 |
| Net operating income to assets | 0.9574% | 3,016 |
| Return on assets (ROA) | 0.9561% | 3,066 |
| Pretax return on assets | 1.2126% | 2,758 |
| Return on Equity (ROE) | 9.7502% | 2,475 |
| Retained earnings to average equity (ytd only) | 9.7502% | 1,096 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4321% | 3,619 |
| Assets per employee ($millions) | 10.4359% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,268 |
| Loan loss allowance to noncurrent loans | 148.9732% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 2,367 |
| Noncurrent loans to loans | 0.7207% | 2,220 |
| Net loans and leases to total assets | 77.8627% | 1,180 |
| Net loans and leases to deposits | 104.9279% | 362 |
| Net loans and leases to core deposits | 115.5134% | 664 |
| Total domestic deposits to total assets | 74.2059% | 4,912 |
| Equity capital to assets | 9.8816% | 3,935 |
| Core capital (leverage) ratio | 9.9401% | 3,664 |
| Tier 1 risk-based capital ratio | 12.4201% | 4,223 |
| Total risk-based capital ratio | 13.4694% | 4,212 |
| Memoranda: | ||
| Average total assets | $3,923,667,500 | 275 |
| Average earning assets | $3,699,936,000 | 265 |
| Average equity | $384,771,000 | 305 |
| Average total loans | $3,080,544,500 | 253 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 3,506 |
| Cost of funding earning assets | 0.8351% | 1,361 |
| Net interest margin | 3.3406% | 4,152 |
| Noninterest income to average assets | 0.1481% | 4,969 |
| Noninterest expense to average assets | 2.0853% | 4,599 |
| Loan and lease loss provision to assets | 0.0741% | 2,648 |
| Net operating income to assets | 0.9801% | 3,100 |
| Return on assets (ROA) | 1.0147% | 2,931 |
| Pretax return on assets | 1.1767% | 2,980 |
| Return on Equity (ROE) | 10.7976% | 2,166 |
| Retained earnings to average equity (ytd only) | 10.7976% | 471 |
| Net charge-offs to loans | 0.0258% | 2,895 |
| Credit loss provision to net charge-offs | 366.0950% | 875 |
| Earnings coverage of net charge-offs (x) | 59.7902% | 1,025 |
| Efficiency ratio | 63.2692% | 3,291 |
| Assets per employee ($millions) | 10.2963% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,227 |
| Loan loss allowance to noncurrent loans | 141.6022% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 2,242 |
| Noncurrent loans to loans | 0.7617% | 2,098 |
| Net loans and leases to total assets | 77.4670% | 1,359 |
| Net loans and leases to deposits | 100.8693% | 679 |
| Net loans and leases to core deposits | 112.6859% | 851 |
| Total domestic deposits to total assets | 76.7994% | 4,662 |
| Equity capital to assets | 9.7296% | 3,929 |
| Core capital (leverage) ratio | 9.9084% | 3,687 |
| Tier 1 risk-based capital ratio | 12.5080% | 4,130 |
| Total risk-based capital ratio | 13.6216% | 4,078 |
| Memoranda: | ||
| Average total assets | $3,743,545,800 | 277 |
| Average earning assets | $3,527,581,600 | 269 |
| Average equity | $351,790,400 | 313 |
| Average total loans | $2,935,196,000 | 256 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 3,573 |
| Cost of funding earning assets | 0.7761% | 1,444 |
| Net interest margin | 3.3417% | 4,179 |
| Noninterest income to average assets | 0.2376% | 4,548 |
| Noninterest expense to average assets | 2.1144% | 4,516 |
| Loan and lease loss provision to assets | 0.0890% | 2,195 |
| Net operating income to assets | 0.9277% | 3,400 |
| Return on assets (ROA) | 0.9688% | 3,237 |
| Pretax return on assets | 1.2346% | 2,870 |
| Return on Equity (ROE) | 10.4052% | 2,436 |
| Retained earnings to average equity (ytd only) | 10.4052% | 793 |
| Net charge-offs to loans | 0.0365% | 2,354 |
| Credit loss provision to net charge-offs | 310.9296% | 998 |
| Earnings coverage of net charge-offs (x) | 44.4383% | 1,267 |
| Efficiency ratio | 62.4459% | 3,437 |
| Assets per employee ($millions) | 10.1746% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 3,272 |
| Loan loss allowance to noncurrent loans | 209.8151% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 3,065 |
| Noncurrent loans to loans | 0.5175% | 2,833 |
| Net loans and leases to total assets | 77.4826% | 1,419 |
| Net loans and leases to deposits | 101.8448% | 658 |
| Net loans and leases to core deposits | 112.8621% | 874 |
| Total domestic deposits to total assets | 76.0790% | 4,782 |
| Equity capital to assets | 9.5267% | 4,051 |
| Core capital (leverage) ratio | 9.8237% | 3,827 |
| Tier 1 risk-based capital ratio | 12.3237% | 4,303 |
| Total risk-based capital ratio | 13.4571% | 4,266 |
| Memoranda: | ||
| Average total assets | $3,709,010,000 | 276 |
| Average earning assets | $3,494,364,250 | 269 |
| Average equity | $345,320,000 | 315 |
| Average total loans | $2,909,041,000 | 256 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,647 |
| Cost of funding earning assets | 0.7171% | 1,534 |
| Net interest margin | 3.3233% | 4,184 |
| Noninterest income to average assets | 0.2407% | 4,571 |
| Noninterest expense to average assets | 2.1773% | 4,423 |
| Loan and lease loss provision to assets | 0.0830% | 2,253 |
| Net operating income to assets | 0.8744% | 3,566 |
| Return on assets (ROA) | 0.9148% | 3,397 |
| Pretax return on assets | 1.1639% | 3,082 |
| Return on Equity (ROE) | 9.9050% | 2,610 |
| Retained earnings to average equity (ytd only) | 9.9050% | 953 |
| Net charge-offs to loans | 0.0615% | 1,729 |
| Credit loss provision to net charge-offs | 171.9278% | 1,446 |
| Earnings coverage of net charge-offs (x) | 24.7644% | 1,664 |
| Efficiency ratio | 64.5470% | 3,239 |
| Assets per employee ($millions) | 10.2320% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,379 |
| Loan loss allowance to noncurrent loans | 213.2026% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 3,144 |
| Noncurrent loans to loans | 0.5070% | 2,897 |
| Net loans and leases to total assets | 77.8193% | 1,343 |
| Net loans and leases to deposits | 101.6659% | 685 |
| Net loans and leases to core deposits | 112.5487% | 857 |
| Total domestic deposits to total assets | 76.5442% | 4,795 |
| Equity capital to assets | 9.3532% | 4,241 |
| Core capital (leverage) ratio | 9.5545% | 4,060 |
| Tier 1 risk-based capital ratio | 11.8943% | 4,565 |
| Total risk-based capital ratio | 13.0265% | 4,514 |
| Memoranda: | ||
| Average total assets | $3,673,527,330 | 275 |
| Average earning assets | $3,462,616,000 | 269 |
| Average equity | $339,264,670 | 316 |
| Average total loans | $2,882,466,330 | 256 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,858 |
| Cost of funding earning assets | 0.6487% | 1,723 |
| Net interest margin | 3.2771% | 4,245 |
| Noninterest income to average assets | 0.2114% | 4,748 |
| Noninterest expense to average assets | 2.2017% | 4,414 |
| Loan and lease loss provision to assets | 0.0655% | 2,461 |
| Net operating income to assets | 0.8254% | 3,606 |
| Return on assets (ROA) | 0.8544% | 3,499 |
| Pretax return on assets | 1.0755% | 3,262 |
| Return on Equity (ROE) | 9.3112% | 2,762 |
| Retained earnings to average equity (ytd only) | 9.3112% | 1,361 |
| Net charge-offs to loans | 0.0006% | 2,709 |
| Credit loss provision to net charge-offs | 15,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 2,528.5000% | 20 |
| Efficiency ratio | 66.5962% | 3,065 |
| Assets per employee ($millions) | 10.0232% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,454 |
| Loan loss allowance to noncurrent loans | 209.0855% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 3,193 |
| Noncurrent loans to loans | 0.5209% | 2,957 |
| Net loans and leases to total assets | 77.6442% | 1,290 |
| Net loans and leases to deposits | 103.7554% | 490 |
| Net loans and leases to core deposits | 113.1662% | 837 |
| Total domestic deposits to total assets | 74.8339% | 5,077 |
| Equity capital to assets | 9.2066% | 4,357 |
| Core capital (leverage) ratio | 9.3420% | 4,266 |
| Tier 1 risk-based capital ratio | 11.7621% | 4,707 |
| Total risk-based capital ratio | 12.9181% | 4,651 |
| Memoranda: | ||
| Average total assets | $3,663,415,000 | 275 |
| Average earning assets | $3,459,398,500 | 269 |
| Average equity | $336,154,500 | 321 |
| Average total loans | $2,870,768,500 | 256 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 4,277 |
| Cost of funding earning assets | 0.5268% | 2,120 |
| Net interest margin | 3.1987% | 4,451 |
| Noninterest income to average assets | 0.2536% | 4,615 |
| Noninterest expense to average assets | 2.1723% | 4,591 |
| Loan and lease loss provision to assets | 0.0992% | 2,245 |
| Net operating income to assets | 0.5646% | 4,170 |
| Return on assets (ROA) | 0.5989% | 4,059 |
| Pretax return on assets | 1.0548% | 3,365 |
| Return on Equity (ROE) | 6.4880% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.4880% | 1,284 |
| Net charge-offs to loans | 0.0219% | 3,369 |
| Credit loss provision to net charge-offs | 576.6063% | 555 |
| Earnings coverage of net charge-offs (x) | 63.9835% | 913 |
| Efficiency ratio | 66.3793% | 3,192 |
| Assets per employee ($millions) | 10.1620% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,474 |
| Loan loss allowance to noncurrent loans | 203.5658% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 3,208 |
| Noncurrent loans to loans | 0.5282% | 2,927 |
| Net loans and leases to total assets | 77.3856% | 1,366 |
| Net loans and leases to deposits | 105.0685% | 445 |
| Net loans and leases to core deposits | 114.2947% | 785 |
| Total domestic deposits to total assets | 73.6525% | 5,214 |
| Equity capital to assets | 9.1453% | 4,582 |
| Core capital (leverage) ratio | 9.3934% | 4,168 |
| Tier 1 risk-based capital ratio | 11.6472% | 4,759 |
| Total risk-based capital ratio | 12.7966% | 4,716 |
| Memoranda: | ||
| Average total assets | $3,529,922,400 | 275 |
| Average earning assets | $3,331,579,400 | 266 |
| Average equity | $325,848,000 | 316 |
| Average total loans | $2,776,116,400 | 256 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 4,327 |
| Cost of funding earning assets | 0.5155% | 2,149 |
| Net interest margin | 3.1821% | 4,502 |
| Noninterest income to average assets | 0.2600% | 4,646 |
| Noninterest expense to average assets | 2.1355% | 4,662 |
| Loan and lease loss provision to assets | 0.1048% | 2,014 |
| Net operating income to assets | 0.7128% | 3,907 |
| Return on assets (ROA) | 0.7464% | 3,816 |
| Pretax return on assets | 1.0700% | 3,423 |
| Return on Equity (ROE) | 8.0661% | 3,093 |
| Retained earnings to average equity (ytd only) | 8.0661% | 1,191 |
| Net charge-offs to loans | 0.0009% | 3,762 |
| Credit loss provision to net charge-offs | 14,473.6842% | 30 |
| Earnings coverage of net charge-offs (x) | 1,556.1133% | 56 |
| Efficiency ratio | 65.4581% | 3,298 |
| Assets per employee ($millions) | 10.2161% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,507 |
| Loan loss allowance to noncurrent loans | 264.5778% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 3,768 |
| Noncurrent loans to loans | 0.4141% | 3,463 |
| Net loans and leases to total assets | 77.0642% | 1,412 |
| Net loans and leases to deposits | 101.0067% | 677 |
| Net loans and leases to core deposits | 109.8183% | 1,039 |
| Total domestic deposits to total assets | 76.2961% | 4,987 |
| Equity capital to assets | 9.3389% | 4,608 |
| Core capital (leverage) ratio | 9.4036% | 4,285 |
| Tier 1 risk-based capital ratio | 11.6105% | 4,875 |
| Total risk-based capital ratio | 12.7682% | 4,842 |
| Memoranda: | ||
| Average total assets | $3,497,820,500 | 275 |
| Average earning assets | $3,300,305,750 | 267 |
| Average equity | $323,669,000 | 318 |
| Average total loans | $2,754,697,750 | 255 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6182% | 4,468 |
| Cost of funding earning assets | 0.4945% | 2,213 |
| Net interest margin | 3.1236% | 4,621 |
| Noninterest income to average assets | 0.2611% | 4,664 |
| Noninterest expense to average assets | 2.1419% | 4,691 |
| Loan and lease loss provision to assets | 0.1038% | 1,951 |
| Net operating income to assets | 0.6733% | 3,965 |
| Return on assets (ROA) | 0.7048% | 3,893 |
| Pretax return on assets | 1.0066% | 3,546 |
| Return on Equity (ROE) | 7.6410% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.6410% | 1,300 |
| Net charge-offs to loans | 0.0004% | 3,507 |
| Credit loss provision to net charge-offs | 30,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 3,079.1667% | 11 |
| Efficiency ratio | 66.7835% | 3,213 |
| Assets per employee ($millions) | 10.3795% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 3,808 |
| Loan loss allowance to noncurrent loans | 187.0516% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 3,326 |
| Noncurrent loans to loans | 0.5653% | 3,045 |
| Net loans and leases to total assets | 78.2191% | 1,214 |
| Net loans and leases to deposits | 102.6778% | 565 |
| Net loans and leases to core deposits | 110.8522% | 962 |
| Total domestic deposits to total assets | 76.1791% | 5,069 |
| Equity capital to assets | 9.2152% | 4,709 |
| Core capital (leverage) ratio | 9.2677% | 4,402 |
| Tier 1 risk-based capital ratio | 11.2699% | 5,106 |
| Total risk-based capital ratio | 12.3745% | 5,076 |
| Memoranda: | ||
| Average total assets | $3,468,473,670 | 277 |
| Average earning assets | $3,271,325,670 | 270 |
| Average equity | $319,932,330 | 321 |
| Average total loans | $2,741,589,330 | 257 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 4,582 |
| Cost of funding earning assets | 0.4736% | 2,321 |
| Net interest margin | 3.0638% | 4,757 |
| Noninterest income to average assets | 0.2306% | 4,896 |
| Noninterest expense to average assets | 2.1387% | 4,776 |
| Loan and lease loss provision to assets | 0.1284% | 1,500 |
| Net operating income to assets | 0.6262% | 4,036 |
| Return on assets (ROA) | 0.6314% | 4,057 |
| Pretax return on assets | 0.8580% | 3,907 |
| Return on Equity (ROE) | 6.8420% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.8420% | 1,911 |
| Net charge-offs to loans | 0.0001% | 2,942 |
| Credit loss provision to net charge-offs | 110,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 8,392.0000% | 1 |
| Efficiency ratio | 68.5928% | 3,111 |
| Assets per employee ($millions) | 9.9995% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,951 |
| Loan loss allowance to noncurrent loans | 260.2101% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 3,903 |
| Noncurrent loans to loans | 0.4058% | 3,638 |
| Net loans and leases to total assets | 78.6974% | 1,028 |
| Net loans and leases to deposits | 99.6070% | 640 |
| Net loans and leases to core deposits | 108.5989% | 938 |
| Total domestic deposits to total assets | 79.0079% | 4,823 |
| Equity capital to assets | 9.2603% | 4,555 |
| Core capital (leverage) ratio | 9.2606% | 4,399 |
| Tier 1 risk-based capital ratio | 11.1118% | 5,253 |
| Total risk-based capital ratio | 12.2114% | 5,245 |
| Memoranda: | ||
| Average total assets | $3,427,814,000 | 282 |
| Average earning assets | $3,230,525,000 | 273 |
| Average equity | $316,338,500 | 323 |
| Average total loans | $2,709,240,500 | 260 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4206% | 4,941 |
| Cost of funding earning assets | 0.4499% | 2,535 |
| Net interest margin | 2.9707% | 5,016 |
| Noninterest income to average assets | 0.4098% | 3,805 |
| Noninterest expense to average assets | 2.2328% | 4,696 |
| Loan and lease loss provision to assets | 0.1640% | 1,507 |
| Net operating income to assets | 0.5843% | 4,271 |
| Return on assets (ROA) | 0.6286% | 4,207 |
| Pretax return on assets | 0.8588% | 3,983 |
| Return on Equity (ROE) | 6.9388% | 3,501 |
| Retained earnings to average equity (ytd only) | 6.9388% | 1,251 |
| Net charge-offs to loans | 0.0024% | 4,190 |
| Credit loss provision to net charge-offs | 8,830.6452% | 52 |
| Earnings coverage of net charge-offs (x) | 518.1290% | 160 |
| Efficiency ratio | 69.8855% | 2,920 |
| Assets per employee ($millions) | 9.9585% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,056 |
| Loan loss allowance to noncurrent loans | 443.4229% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 4,582 |
| Noncurrent loans to loans | 0.2351% | 4,306 |
| Net loans and leases to total assets | 77.7116% | 1,246 |
| Net loans and leases to deposits | 99.9745% | 673 |
| Net loans and leases to core deposits | 108.0404% | 1,019 |
| Total domestic deposits to total assets | 77.7314% | 5,013 |
| Equity capital to assets | 9.1964% | 4,588 |
| Core capital (leverage) ratio | 9.1713% | 4,519 |
| Tier 1 risk-based capital ratio | 11.2606% | 5,187 |
| Total risk-based capital ratio | 12.3571% | 5,167 |
| Memoranda: | ||
| Average total assets | $3,338,774,200 | 278 |
| Average earning assets | $3,130,255,200 | 276 |
| Average equity | $302,458,400 | 321 |
| Average total loans | $2,583,413,400 | 257 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3716% | 5,079 |
| Cost of funding earning assets | 0.4461% | 2,590 |
| Net interest margin | 2.9255% | 5,141 |
| Noninterest income to average assets | 0.4219% | 3,756 |
| Noninterest expense to average assets | 2.2074% | 4,753 |
| Loan and lease loss provision to assets | 0.1395% | 1,682 |
| Net operating income to assets | 0.5971% | 4,306 |
| Return on assets (ROA) | 0.5994% | 4,411 |
| Pretax return on assets | 0.8175% | 4,255 |
| Return on Equity (ROE) | 6.6427% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.6427% | 1,822 |
| Net charge-offs to loans | 0.0018% | 3,871 |
| Credit loss provision to net charge-offs | 9,928.5714% | 51 |
| Earnings coverage of net charge-offs (x) | 678.9344% | 139 |
| Efficiency ratio | 69.8280% | 2,909 |
| Assets per employee ($millions) | 10.0432% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 4,555 |
| Loan loss allowance to noncurrent loans | 365.2192% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 4,612 |
| Noncurrent loans to loans | 0.2660% | 4,311 |
| Net loans and leases to total assets | 76.4445% | 1,450 |
| Net loans and leases to deposits | 100.4802% | 679 |
| Net loans and leases to core deposits | 108.1374% | 1,042 |
| Total domestic deposits to total assets | 76.0792% | 5,229 |
| Equity capital to assets | 9.0221% | 5,155 |
| Core capital (leverage) ratio | 9.0541% | 4,773 |
| Tier 1 risk-based capital ratio | 11.0052% | 5,366 |
| Total risk-based capital ratio | 11.9954% | 5,409 |
| Memoranda: | ||
| Average total assets | $3,322,015,000 | 276 |
| Average earning assets | $3,110,641,250 | 271 |
| Average equity | $299,769,750 | 324 |
| Average total loans | $2,560,620,000 | 255 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3556% | 5,172 |
| Cost of funding earning assets | 0.4445% | 2,622 |
| Net interest margin | 2.9111% | 5,248 |
| Noninterest income to average assets | 0.4474% | 3,544 |
| Noninterest expense to average assets | 2.2476% | 4,735 |
| Loan and lease loss provision to assets | 0.1266% | 1,800 |
| Net operating income to assets | 0.5919% | 4,312 |
| Return on assets (ROA) | 0.5922% | 4,431 |
| Pretax return on assets | 0.7996% | 4,278 |
| Return on Equity (ROE) | 6.5620% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.5620% | 1,840 |
| Net charge-offs to loans | 0.0017% | 3,648 |
| Credit loss provision to net charge-offs | 9,431.8182% | 37 |
| Earnings coverage of net charge-offs (x) | 689.6818% | 83 |
| Efficiency ratio | 70.8262% | 2,856 |
| Assets per employee ($millions) | 9.9083% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 4,872 |
| Loan loss allowance to noncurrent loans | 421.7062% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 4,821 |
| Noncurrent loans to loans | 0.2193% | 4,560 |
| Net loans and leases to total assets | 77.0586% | 1,329 |
| Net loans and leases to deposits | 103.4892% | 482 |
| Net loans and leases to core deposits | 111.4331% | 850 |
| Total domestic deposits to total assets | 74.4605% | 5,473 |
| Equity capital to assets | 8.8781% | 5,329 |
| Core capital (leverage) ratio | 9.0678% | 4,755 |
| Tier 1 risk-based capital ratio | 10.6569% | 5,602 |
| Total risk-based capital ratio | 11.5706% | 5,664 |
| Memoranda: | ||
| Average total assets | $3,277,735,670 | 279 |
| Average earning assets | $3,069,447,000 | 273 |
| Average equity | $295,793,330 | 321 |
| Average total loans | $2,525,177,000 | 259 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3918% | 5,147 |
| Cost of funding earning assets | 0.4441% | 2,643 |
| Net interest margin | 2.9476% | 5,230 |
| Noninterest income to average assets | 0.4109% | 3,743 |
| Noninterest expense to average assets | 2.2315% | 4,830 |
| Loan and lease loss provision to assets | 0.1058% | 1,933 |
| Net operating income to assets | 0.6168% | 4,107 |
| Return on assets (ROA) | 0.6174% | 4,221 |
| Pretax return on assets | 0.8394% | 4,066 |
| Return on Equity (ROE) | 6.7828% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.7828% | 1,986 |
| Net charge-offs to loans | 0.0008% | 3,083 |
| Credit loss provision to net charge-offs | 17,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,517.0000% | 23 |
| Efficiency ratio | 70.2619% | 3,072 |
| Assets per employee ($millions) | 9.4744% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 4,931 |
| Loan loss allowance to noncurrent loans | 375.5437% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 4,806 |
| Noncurrent loans to loans | 0.2490% | 4,540 |
| Net loans and leases to total assets | 76.0009% | 1,395 |
| Net loans and leases to deposits | 99.6335% | 649 |
| Net loans and leases to core deposits | 106.7469% | 1,030 |
| Total domestic deposits to total assets | 76.2804% | 5,379 |
| Equity capital to assets | 9.1087% | 5,074 |
| Core capital (leverage) ratio | 9.1940% | 4,606 |
| Tier 1 risk-based capital ratio | 11.1195% | 5,440 |
| Total risk-based capital ratio | 12.0393% | 5,519 |
| Memoranda: | ||
| Average total assets | $3,212,383,500 | 280 |
| Average earning assets | $3,013,419,000 | 275 |
| Average equity | $292,387,000 | 324 |
| Average total loans | $2,462,259,000 | 262 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3350% | 5,285 |
| Cost of funding earning assets | 0.4461% | 2,667 |
| Net interest margin | 2.8889% | 5,352 |
| Noninterest income to average assets | 0.4804% | 3,459 |
| Noninterest expense to average assets | 2.3667% | 4,599 |
| Loan and lease loss provision to assets | 0.1142% | 2,098 |
| Net operating income to assets | 0.5616% | 4,459 |
| Return on assets (ROA) | 0.5683% | 4,516 |
| Pretax return on assets | 0.7209% | 4,469 |
| Return on Equity (ROE) | 5.9337% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.9337% | 1,830 |
| Net charge-offs to loans | 0.0146% | 4,003 |
| Credit loss provision to net charge-offs | 1,027.6074% | 325 |
| Earnings coverage of net charge-offs (x) | 74.3834% | 737 |
| Efficiency ratio | 74.1145% | 2,566 |
| Assets per employee ($millions) | 9.1764% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,995 |
| Loan loss allowance to noncurrent loans | 483.2222% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 5,006 |
| Noncurrent loans to loans | 0.1912% | 4,721 |
| Net loans and leases to total assets | 75.8706% | 1,442 |
| Net loans and leases to deposits | 94.2836% | 1,180 |
| Net loans and leases to core deposits | 99.2317% | 1,577 |
| Total domestic deposits to total assets | 80.4706% | 4,619 |
| Equity capital to assets | 9.0949% | 5,022 |
| Core capital (leverage) ratio | 9.4905% | 4,182 |
| Tier 1 risk-based capital ratio | 11.3372% | 5,355 |
| Total risk-based capital ratio | 12.2751% | 5,406 |
| Memoranda: | ||
| Average total assets | $2,933,542,600 | 285 |
| Average earning assets | $2,754,839,600 | 279 |
| Average equity | $280,969,600 | 319 |
| Average total loans | $2,235,324,400 | 262 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3481% | 5,323 |
| Cost of funding earning assets | 0.4516% | 2,666 |
| Net interest margin | 2.8965% | 5,423 |
| Noninterest income to average assets | 0.4684% | 3,577 |
| Noninterest expense to average assets | 2.3807% | 4,566 |
| Loan and lease loss provision to assets | 0.0858% | 2,444 |
| Net operating income to assets | 0.5584% | 4,566 |
| Return on assets (ROA) | 0.5674% | 4,626 |
| Pretax return on assets | 0.7306% | 4,568 |
| Return on Equity (ROE) | 5.8431% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.8431% | 2,341 |
| Net charge-offs to loans | 0.0082% | 3,882 |
| Credit loss provision to net charge-offs | 1,380.5970% | 268 |
| Earnings coverage of net charge-offs (x) | 129.4345% | 510 |
| Efficiency ratio | 74.7345% | 2,439 |
| Assets per employee ($millions) | 8.4504% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 4,997 |
| Loan loss allowance to noncurrent loans | 563.1355% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 5,232 |
| Noncurrent loans to loans | 0.1677% | 4,982 |
| Net loans and leases to total assets | 76.5410% | 1,312 |
| Net loans and leases to deposits | 94.6724% | 1,120 |
| Net loans and leases to core deposits | 99.7466% | 1,540 |
| Total domestic deposits to total assets | 80.8483% | 4,513 |
| Equity capital to assets | 9.8563% | 4,337 |
| Core capital (leverage) ratio | 9.7893% | 3,914 |
| Tier 1 risk-based capital ratio | 12.1579% | 4,989 |
| Total risk-based capital ratio | 13.1070% | 5,088 |
| Memoranda: | ||
| Average total assets | $2,873,170,500 | 292 |
| Average earning assets | $2,695,287,750 | 287 |
| Average equity | $279,020,750 | 325 |
| Average total loans | $2,186,310,250 | 271 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3445% | 5,356 |
| Cost of funding earning assets | 0.4434% | 2,798 |
| Net interest margin | 2.9011% | 5,442 |
| Noninterest income to average assets | 0.4842% | 3,473 |
| Noninterest expense to average assets | 2.3919% | 4,574 |
| Loan and lease loss provision to assets | 0.0768% | 2,587 |
| Net operating income to assets | 0.5634% | 4,506 |
| Return on assets (ROA) | 0.5766% | 4,543 |
| Pretax return on assets | 0.7558% | 4,468 |
| Return on Equity (ROE) | 5.9675% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.9675% | 2,261 |
| Net charge-offs to loans | 0.0113% | 3,512 |
| Credit loss provision to net charge-offs | 894.3089% | 394 |
| Earnings coverage of net charge-offs (x) | 94.9350% | 617 |
| Efficiency ratio | 74.5810% | 2,602 |
| Assets per employee ($millions) | 8.5637% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 5,130 |
| Loan loss allowance to noncurrent loans | 579.7274% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 5,371 |
| Noncurrent loans to loans | 0.1625% | 5,113 |
| Net loans and leases to total assets | 75.5286% | 1,430 |
| Net loans and leases to deposits | 93.1863% | 1,233 |
| Net loans and leases to core deposits | 97.9979% | 1,655 |
| Total domestic deposits to total assets | 81.0512% | 4,604 |
| Equity capital to assets | 9.8537% | 4,211 |
| Core capital (leverage) ratio | 9.7333% | 3,960 |
| Tier 1 risk-based capital ratio | 12.3052% | 4,937 |
| Total risk-based capital ratio | 13.2640% | 5,039 |
| Memoranda: | ||
| Average total assets | $2,864,736,670 | 291 |
| Average earning assets | $2,688,792,330 | 284 |
| Average equity | $276,800,330 | 327 |
| Average total loans | $2,168,521,330 | 273 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3176% | 5,408 |
| Cost of funding earning assets | 0.4232% | 3,029 |
| Net interest margin | 2.8944% | 5,469 |
| Noninterest income to average assets | 0.4679% | 3,515 |
| Noninterest expense to average assets | 2.3673% | 4,696 |
| Loan and lease loss provision to assets | 0.0835% | 2,300 |
| Net operating income to assets | 0.5549% | 4,461 |
| Return on assets (ROA) | 0.5624% | 4,540 |
| Pretax return on assets | 0.7435% | 4,453 |
| Return on Equity (ROE) | 5.8781% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.8781% | 2,560 |
| Net charge-offs to loans | 0.0249% | 2,668 |
| Credit loss provision to net charge-offs | 444.4444% | 603 |
| Earnings coverage of net charge-offs (x) | 43.5111% | 924 |
| Efficiency ratio | 74.3404% | 2,761 |
| Assets per employee ($millions) | 8.7847% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 5,416 |
| Loan loss allowance to noncurrent loans | 237.4001% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 4,811 |
| Noncurrent loans to loans | 0.3831% | 4,447 |
| Net loans and leases to total assets | 74.3546% | 1,448 |
| Net loans and leases to deposits | 95.4194% | 872 |
| Net loans and leases to core deposits | 99.9695% | 1,319 |
| Total domestic deposits to total assets | 77.9241% | 5,466 |
| Equity capital to assets | 9.5267% | 4,715 |
| Core capital (leverage) ratio | 9.5376% | 4,215 |
| Tier 1 risk-based capital ratio | 12.1544% | 5,147 |
| Total risk-based capital ratio | 13.0830% | 5,244 |
| Memoranda: | ||
| Average total assets | $2,875,528,500 | 287 |
| Average earning assets | $2,698,697,500 | 282 |
| Average equity | $275,122,500 | 327 |
| Average total loans | $2,168,876,000 | 272 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3529% | 5,618 |
| Cost of funding earning assets | 0.4216% | 3,460 |
| Net interest margin | 2.9313% | 5,581 |
| Noninterest income to average assets | 0.4560% | 3,794 |
| Noninterest expense to average assets | 2.4202% | 4,791 |
| Loan and lease loss provision to assets | 0.1071% | 2,365 |
| Net operating income to assets | 0.5219% | 4,721 |
| Return on assets (ROA) | 0.5629% | 4,635 |
| Pretax return on assets | 0.7307% | 4,507 |
| Return on Equity (ROE) | 5.7674% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.7674% | 2,085 |
| Net charge-offs to loans | 0.0457% | 3,916 |
| Credit loss provision to net charge-offs | 318.7361% | 823 |
| Earnings coverage of net charge-offs (x) | 23.3537% | 1,587 |
| Efficiency ratio | 75.5192% | 2,590 |
| Assets per employee ($millions) | 8.4361% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 5,464 |
| Loan loss allowance to noncurrent loans | 185.0290% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 4,581 |
| Noncurrent loans to loans | 0.4889% | 4,195 |
| Net loans and leases to total assets | 75.1388% | 1,395 |
| Net loans and leases to deposits | 98.1237% | 751 |
| Net loans and leases to core deposits | 102.8947% | 1,188 |
| Total domestic deposits to total assets | 76.5756% | 5,661 |
| Equity capital to assets | 9.6100% | 4,575 |
| Core capital (leverage) ratio | 9.5409% | 4,186 |
| Tier 1 risk-based capital ratio | 12.5262% | 5,026 |
| Total risk-based capital ratio | 13.4855% | 5,113 |
| Memoranda: | ||
| Average total assets | $2,685,005,800 | 287 |
| Average earning assets | $2,517,747,000 | 277 |
| Average equity | $262,042,600 | 320 |
| Average total loans | $1,975,649,200 | 269 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3487% | 5,677 |
| Cost of funding earning assets | 0.4188% | 3,592 |
| Net interest margin | 2.9299% | 5,639 |
| Noninterest income to average assets | 0.4564% | 3,846 |
| Noninterest expense to average assets | 2.4003% | 4,822 |
| Loan and lease loss provision to assets | 0.1146% | 2,142 |
| Net operating income to assets | 0.5200% | 4,804 |
| Return on assets (ROA) | 0.5620% | 4,697 |
| Pretax return on assets | 0.7438% | 4,544 |
| Return on Equity (ROE) | 5.7350% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.7350% | 2,582 |
| Net charge-offs to loans | 0.0486% | 3,528 |
| Credit loss provision to net charge-offs | 323.1534% | 863 |
| Earnings coverage of net charge-offs (x) | 22.6521% | 1,621 |
| Efficiency ratio | 74.9308% | 2,674 |
| Assets per employee ($millions) | 8.3213% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 5,492 |
| Loan loss allowance to noncurrent loans | 317.7934% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 5,342 |
| Noncurrent loans to loans | 0.2934% | 5,027 |
| Net loans and leases to total assets | 73.6666% | 1,578 |
| Net loans and leases to deposits | 96.1098% | 868 |
| Net loans and leases to core deposits | 100.9262% | 1,297 |
| Total domestic deposits to total assets | 76.6484% | 5,739 |
| Equity capital to assets | 9.7088% | 4,544 |
| Core capital (leverage) ratio | 9.7776% | 3,957 |
| Tier 1 risk-based capital ratio | 12.9207% | 4,915 |
| Total risk-based capital ratio | 13.8909% | 4,986 |
| Memoranda: | ||
| Average total assets | $2,647,622,500 | 283 |
| Average earning assets | $2,482,366,000 | 278 |
| Average equity | $259,453,750 | 319 |
| Average total loans | $1,932,241,500 | 270 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3363% | 5,744 |
| Cost of funding earning assets | 0.4205% | 3,652 |
| Net interest margin | 2.9158% | 5,712 |
| Noninterest income to average assets | 0.4527% | 3,856 |
| Noninterest expense to average assets | 2.4356% | 4,784 |
| Loan and lease loss provision to assets | 0.1090% | 2,198 |
| Net operating income to assets | 0.4843% | 4,872 |
| Return on assets (ROA) | 0.5415% | 4,737 |
| Pretax return on assets | 0.7155% | 4,591 |
| Return on Equity (ROE) | 5.5074% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.5074% | 2,628 |
| Net charge-offs to loans | 0.0731% | 2,968 |
| Credit loss provision to net charge-offs | 205.6277% | 1,143 |
| Earnings coverage of net charge-offs (x) | 14.1356% | 1,930 |
| Efficiency ratio | 76.4740% | 2,541 |
| Assets per employee ($millions) | 8.1234% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 5,617 |
| Loan loss allowance to noncurrent loans | 271.4797% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 5,330 |
| Noncurrent loans to loans | 0.3445% | 4,977 |
| Net loans and leases to total assets | 72.7904% | 1,605 |
| Net loans and leases to deposits | 93.4995% | 1,007 |
| Net loans and leases to core deposits | 98.0218% | 1,439 |
| Total domestic deposits to total assets | 77.8512% | 5,664 |
| Equity capital to assets | 9.9539% | 4,173 |
| Core capital (leverage) ratio | 9.8947% | 3,750 |
| Tier 1 risk-based capital ratio | 13.2093% | 4,782 |
| Total risk-based capital ratio | 14.1638% | 4,905 |
| Memoranda: | ||
| Average total assets | $2,614,825,670 | 284 |
| Average earning assets | $2,450,074,670 | 276 |
| Average equity | $257,070,330 | 318 |
| Average total loans | $1,895,677,330 | 272 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 5,780 |
| Cost of funding earning assets | 0.4295% | 3,652 |
| Net interest margin | 2.9064% | 5,736 |
| Noninterest income to average assets | 0.4362% | 3,896 |
| Noninterest expense to average assets | 2.4361% | 4,825 |
| Loan and lease loss provision to assets | 0.1424% | 1,709 |
| Net operating income to assets | 0.4450% | 4,950 |
| Return on assets (ROA) | 0.5008% | 4,767 |
| Pretax return on assets | 0.6532% | 4,652 |
| Return on Equity (ROE) | 5.1268% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.1268% | 3,039 |
| Net charge-offs to loans | 0.1439% | 1,863 |
| Credit loss provision to net charge-offs | 137.4443% | 1,324 |
| Earnings coverage of net charge-offs (x) | 6.9792% | 2,171 |
| Efficiency ratio | 77.1101% | 2,630 |
| Assets per employee ($millions) | 7.9305% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 5,727 |
| Loan loss allowance to noncurrent loans | 257.5581% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 5,371 |
| Noncurrent loans to loans | 0.3660% | 5,027 |
| Net loans and leases to total assets | 70.9436% | 1,730 |
| Net loans and leases to deposits | 89.6095% | 1,197 |
| Net loans and leases to core deposits | 93.9348% | 1,554 |
| Total domestic deposits to total assets | 79.1697% | 5,660 |
| Equity capital to assets | 9.7822% | 4,131 |
| Core capital (leverage) ratio | 9.8429% | 3,800 |
| Tier 1 risk-based capital ratio | 13.2884% | 4,830 |
| Total risk-based capital ratio | 14.2404% | 4,939 |
| Memoranda: | ||
| Average total assets | $2,598,121,000 | 286 |
| Average earning assets | $2,434,206,000 | 279 |
| Average equity | $253,804,000 | 320 |
| Average total loans | $1,870,585,000 | 270 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4344% | 5,769 |
| Cost of funding earning assets | 0.5412% | 3,185 |
| Net interest margin | 2.8933% | 5,799 |
| Noninterest income to average assets | 0.5405% | 3,474 |
| Noninterest expense to average assets | 2.4450% | 4,947 |
| Loan and lease loss provision to assets | 0.1173% | 2,853 |
| Net operating income to assets | 0.5619% | 4,449 |
| Return on assets (ROA) | 0.5720% | 4,509 |
| Pretax return on assets | 0.6967% | 4,555 |
| Return on Equity (ROE) | 5.7939% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.7939% | 2,102 |
| Net charge-offs to loans | -0.0065% | 5,960 |
| Credit loss provision to net charge-offs | -2,610.6195% | 6,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3087% | 2,897 |
| Assets per employee ($millions) | 7.8391% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 5,800 |
| Loan loss allowance to noncurrent loans | 258.5554% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 5,476 |
| Noncurrent loans to loans | 0.3630% | 5,101 |
| Net loans and leases to total assets | 71.7051% | 1,733 |
| Net loans and leases to deposits | 90.1819% | 1,226 |
| Net loans and leases to core deposits | 94.5833% | 1,556 |
| Total domestic deposits to total assets | 79.5117% | 5,546 |
| Equity capital to assets | 9.7550% | 4,096 |
| Core capital (leverage) ratio | 9.8648% | 3,749 |
| Tier 1 risk-based capital ratio | 13.4409% | 4,692 |
| Total risk-based capital ratio | 14.4045% | 4,826 |
| Memoranda: | ||
| Average total assets | $2,514,314,800 | 292 |
| Average earning assets | $2,351,732,200 | 281 |
| Average equity | $248,224,800 | 321 |
| Average total loans | $1,734,932,000 | 278 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4421% | 5,798 |
| Cost of funding earning assets | 0.5602% | 3,162 |
| Net interest margin | 2.8818% | 5,857 |
| Noninterest income to average assets | 0.5275% | 3,610 |
| Noninterest expense to average assets | 2.4235% | 4,945 |
| Loan and lease loss provision to assets | 0.0827% | 3,413 |
| Net operating income to assets | 0.5796% | 4,430 |
| Return on assets (ROA) | 0.5926% | 4,512 |
| Pretax return on assets | 0.7308% | 4,578 |
| Return on Equity (ROE) | 5.9843% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.9843% | 2,421 |
| Net charge-offs to loans | 0.0075% | 5,017 |
| Credit loss provision to net charge-offs | 1,614.5833% | 200 |
| Earnings coverage of net charge-offs (x) | 155.7357% | 357 |
| Efficiency ratio | 75.2446% | 2,857 |
| Assets per employee ($millions) | 7.7754% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 6,054 |
| Loan loss allowance to noncurrent loans | 235.8216% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 5,558 |
| Noncurrent loans to loans | 0.3813% | 5,257 |
| Net loans and leases to total assets | 69.3894% | 2,067 |
| Net loans and leases to deposits | 85.4708% | 1,679 |
| Net loans and leases to core deposits | 89.6086% | 2,012 |
| Total domestic deposits to total assets | 81.1849% | 5,172 |
| Equity capital to assets | 9.8828% | 4,077 |
| Core capital (leverage) ratio | 9.9660% | 3,722 |
| Tier 1 risk-based capital ratio | 14.0169% | 4,418 |
| Total risk-based capital ratio | 14.9343% | 4,598 |
| Memoranda: | ||
| Average total assets | $2,500,085,000 | 295 |
| Average earning assets | $2,336,588,750 | 284 |
| Average equity | $247,575,000 | 321 |
| Average total loans | $1,703,371,500 | 283 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3941% | 5,922 |
| Cost of funding earning assets | 0.5808% | 3,124 |
| Net interest margin | 2.8133% | 5,980 |
| Noninterest income to average assets | 0.6038% | 3,164 |
| Noninterest expense to average assets | 2.4023% | 5,042 |
| Loan and lease loss provision to assets | 0.0962% | 3,182 |
| Net operating income to assets | 0.5817% | 4,393 |
| Return on assets (ROA) | 0.6038% | 4,441 |
| Pretax return on assets | 0.7668% | 4,437 |
| Return on Equity (ROE) | 6.0936% | 4,116 |
| Retained earnings to average equity (ytd only) | 6.0936% | 2,376 |
| Net charge-offs to loans | 0.0111% | 4,652 |
| Credit loss provision to net charge-offs | 1,290.3226% | 244 |
| Earnings coverage of net charge-offs (x) | 111.9570% | 427 |
| Efficiency ratio | 74.2054% | 3,087 |
| Assets per employee ($millions) | 7.8038% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 6,168 |
| Loan loss allowance to noncurrent loans | 197.8824% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 5,505 |
| Noncurrent loans to loans | 0.4490% | 5,140 |
| Net loans and leases to total assets | 69.9466% | 1,895 |
| Net loans and leases to deposits | 85.1455% | 1,665 |
| Net loans and leases to core deposits | 89.3965% | 1,965 |
| Total domestic deposits to total assets | 82.1495% | 5,007 |
| Equity capital to assets | 9.9444% | 3,979 |
| Core capital (leverage) ratio | 9.9955% | 3,530 |
| Tier 1 risk-based capital ratio | 13.9503% | 4,452 |
| Total risk-based capital ratio | 14.8587% | 4,667 |
| Memoranda: | ||
| Average total assets | $2,493,706,000 | 298 |
| Average earning assets | $2,334,364,670 | 286 |
| Average equity | $247,110,000 | 322 |
| Average total loans | $1,683,184,670 | 286 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 5,990 |
| Cost of funding earning assets | 0.5956% | 3,144 |
| Net interest margin | 2.7824% | 6,065 |
| Noninterest income to average assets | 0.5509% | 3,438 |
| Noninterest expense to average assets | 2.3126% | 5,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6091% | 4,171 |
| Return on assets (ROA) | 0.6359% | 4,204 |
| Pretax return on assets | 0.8789% | 3,843 |
| Return on Equity (ROE) | 6.4281% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.4281% | 2,443 |
| Net charge-offs to loans | -0.0022% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3171% | 3,390 |
| Assets per employee ($millions) | 8.1343% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 6,329 |
| Loan loss allowance to noncurrent loans | 207.2168% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 5,709 |
| Noncurrent loans to loans | 0.4195% | 5,371 |
| Net loans and leases to total assets | 65.6136% | 2,440 |
| Net loans and leases to deposits | 78.4837% | 2,276 |
| Net loans and leases to core deposits | 82.3307% | 2,530 |
| Total domestic deposits to total assets | 83.6015% | 4,629 |
| Equity capital to assets | 9.9435% | 4,222 |
| Core capital (leverage) ratio | 9.7829% | 3,682 |
| Tier 1 risk-based capital ratio | 14.2592% | 4,317 |
| Total risk-based capital ratio | 15.1381% | 4,543 |
| Memoranda: | ||
| Average total assets | $2,503,652,000 | 300 |
| Average earning assets | $2,342,588,500 | 289 |
| Average equity | $247,662,500 | 324 |
| Average total loans | $1,651,846,000 | 292 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 5,774 |
| Cost of funding earning assets | 0.7392% | 3,168 |
| Net interest margin | 3.0809% | 5,858 |
| Noninterest income to average assets | 0.5745% | 3,420 |
| Noninterest expense to average assets | 2.4519% | 5,248 |
| Loan and lease loss provision to assets | 0.0867% | 4,612 |
| Net operating income to assets | 0.6628% | 3,916 |
| Return on assets (ROA) | 0.6596% | 4,205 |
| Pretax return on assets | 0.9075% | 3,892 |
| Return on Equity (ROE) | 6.7229% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.7229% | 1,704 |
| Net charge-offs to loans | 0.0103% | 5,789 |
| Credit loss provision to net charge-offs | 1,254.5455% | 201 |
| Earnings coverage of net charge-offs (x) | 144.4545% | 291 |
| Efficiency ratio | 71.0610% | 3,614 |
| Assets per employee ($millions) | 8.2572% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 6,330 |
| Loan loss allowance to noncurrent loans | 167.7927% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 5,655 |
| Noncurrent loans to loans | 0.5218% | 5,227 |
| Net loans and leases to total assets | 65.1900% | 2,680 |
| Net loans and leases to deposits | 78.7856% | 2,425 |
| Net loans and leases to core deposits | 82.7095% | 2,697 |
| Total domestic deposits to total assets | 82.7435% | 4,827 |
| Equity capital to assets | 9.8405% | 4,397 |
| Core capital (leverage) ratio | 9.8677% | 3,583 |
| Tier 1 risk-based capital ratio | 14.2186% | 4,230 |
| Total risk-based capital ratio | 15.1101% | 4,440 |
| Memoranda: | ||
| Average total assets | $2,387,025,800 | 306 |
| Average earning assets | $2,228,266,400 | 294 |
| Average equity | $234,214,400 | 328 |
| Average total loans | $1,605,325,000 | 287 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 5,775 |
| Cost of funding earning assets | 0.7609% | 3,265 |
| Net interest margin | 3.1449% | 5,834 |
| Noninterest income to average assets | 0.5571% | 3,559 |
| Noninterest expense to average assets | 2.4042% | 5,385 |
| Loan and lease loss provision to assets | 0.1162% | 4,111 |
| Net operating income to assets | 0.6812% | 4,004 |
| Return on assets (ROA) | 0.6837% | 4,250 |
| Pretax return on assets | 0.9723% | 3,813 |
| Return on Equity (ROE) | 6.9734% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.9734% | 2,148 |
| Net charge-offs to loans | 0.0143% | 5,493 |
| Credit loss provision to net charge-offs | 1,201.7544% | 227 |
| Earnings coverage of net charge-offs (x) | 112.2185% | 382 |
| Efficiency ratio | 68.9066% | 3,894 |
| Assets per employee ($millions) | 7.9268% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 6,438 |
| Loan loss allowance to noncurrent loans | 172.0368% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 5,757 |
| Noncurrent loans to loans | 0.5099% | 5,421 |
| Net loans and leases to total assets | 68.3422% | 2,243 |
| Net loans and leases to deposits | 83.3518% | 1,948 |
| Net loans and leases to core deposits | 87.9216% | 2,228 |
| Total domestic deposits to total assets | 81.9924% | 5,030 |
| Equity capital to assets | 10.2307% | 4,162 |
| Core capital (leverage) ratio | 9.9201% | 3,666 |
| Tier 1 risk-based capital ratio | 14.1271% | 4,434 |
| Total risk-based capital ratio | 15.0258% | 4,660 |
| Memoranda: | ||
| Average total assets | $2,358,298,250 | 306 |
| Average earning assets | $2,198,701,250 | 293 |
| Average equity | $231,217,250 | 330 |
| Average total loans | $1,595,302,000 | 289 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 5,814 |
| Cost of funding earning assets | 0.7804% | 3,360 |
| Net interest margin | 3.1595% | 5,846 |
| Noninterest income to average assets | 0.5628% | 3,502 |
| Noninterest expense to average assets | 2.3808% | 5,522 |
| Loan and lease loss provision to assets | 0.1322% | 3,873 |
| Net operating income to assets | 0.6974% | 3,883 |
| Return on assets (ROA) | 0.6732% | 4,265 |
| Pretax return on assets | 0.9591% | 3,853 |
| Return on Equity (ROE) | 6.9685% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.9685% | 2,119 |
| Net charge-offs to loans | 0.0127% | 5,272 |
| Credit loss provision to net charge-offs | 1,555.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 132.3900% | 337 |
| Efficiency ratio | 67.8930% | 4,142 |
| Assets per employee ($millions) | 8.0566% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 6,572 |
| Loan loss allowance to noncurrent loans | 163.7142% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 5,753 |
| Noncurrent loans to loans | 0.5185% | 5,491 |
| Net loans and leases to total assets | 68.5782% | 2,190 |
| Net loans and leases to deposits | 83.0598% | 1,970 |
| Net loans and leases to core deposits | 87.6901% | 2,239 |
| Total domestic deposits to total assets | 82.5649% | 4,925 |
| Equity capital to assets | 9.8487% | 4,548 |
| Core capital (leverage) ratio | 9.8366% | 3,667 |
| Tier 1 risk-based capital ratio | 13.9256% | 4,501 |
| Total risk-based capital ratio | 14.8004% | 4,750 |
| Memoranda: | ||
| Average total assets | $2,351,713,670 | 307 |
| Average earning assets | $2,191,251,000 | 295 |
| Average equity | $227,192,670 | 332 |
| Average total loans | $1,580,537,330 | 292 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 5,711 |
| Cost of funding earning assets | 0.7916% | 3,537 |
| Net interest margin | 3.2234% | 5,724 |
| Noninterest income to average assets | 0.5674% | 3,447 |
| Noninterest expense to average assets | 2.3589% | 5,600 |
| Loan and lease loss provision to assets | 0.1282% | 3,740 |
| Net operating income to assets | 0.7526% | 3,610 |
| Return on assets (ROA) | 0.7107% | 4,052 |
| Pretax return on assets | 1.0185% | 3,614 |
| Return on Equity (ROE) | 7.4296% | 3,545 |
| Retained earnings to average equity (ytd only) | 7.4296% | 2,213 |
| Net charge-offs to loans | 0.0059% | 4,666 |
| Credit loss provision to net charge-offs | 3,260.8696% | 83 |
| Earnings coverage of net charge-offs (x) | 306.7826% | 107 |
| Efficiency ratio | 66.1599% | 4,529 |
| Assets per employee ($millions) | 8.0894% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 6,668 |
| Loan loss allowance to noncurrent loans | 166.0432% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 5,787 |
| Noncurrent loans to loans | 0.5050% | 5,662 |
| Net loans and leases to total assets | 66.2165% | 2,427 |
| Net loans and leases to deposits | 80.2119% | 2,176 |
| Net loans and leases to core deposits | 84.8600% | 2,427 |
| Total domestic deposits to total assets | 82.5520% | 5,103 |
| Equity capital to assets | 9.6636% | 4,570 |
| Core capital (leverage) ratio | 9.8008% | 3,641 |
| Tier 1 risk-based capital ratio | 14.1192% | 4,383 |
| Total risk-based capital ratio | 14.9726% | 4,648 |
| Memoranda: | ||
| Average total assets | $2,339,226,500 | 303 |
| Average earning assets | $2,175,715,500 | 294 |
| Average equity | $223,753,000 | 331 |
| Average total loans | $1,548,883,000 | 294 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 6,243 |
| Cost of funding earning assets | 0.9229% | 3,936 |
| Net interest margin | 3.1973% | 6,102 |
| Noninterest income to average assets | 0.5430% | 3,562 |
| Noninterest expense to average assets | 2.3634% | 5,870 |
| Loan and lease loss provision to assets | 0.1172% | 5,134 |
| Net operating income to assets | 0.7279% | 3,342 |
| Return on assets (ROA) | 0.7042% | 3,652 |
| Pretax return on assets | 1.0044% | 3,233 |
| Return on Equity (ROE) | 7.4269% | 3,186 |
| Retained earnings to average equity (ytd only) | 7.4269% | 1,303 |
| Net charge-offs to loans | 0.3673% | 3,564 |
| Credit loss provision to net charge-offs | 48.9865% | 5,445 |
| Earnings coverage of net charge-offs (x) | 4.8285% | 2,964 |
| Efficiency ratio | 67.1530% | 4,542 |
| Assets per employee ($millions) | 7.9600% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 6,697 |
| Loan loss allowance to noncurrent loans | 137.1065% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 5,483 |
| Noncurrent loans to loans | 0.5996% | 5,519 |
| Net loans and leases to total assets | 65.0997% | 2,958 |
| Net loans and leases to deposits | 79.2469% | 2,650 |
| Net loans and leases to core deposits | 83.6710% | 2,931 |
| Total domestic deposits to total assets | 82.1480% | 5,078 |
| Equity capital to assets | 9.4650% | 4,937 |
| Core capital (leverage) ratio | 9.8047% | 3,600 |
| Tier 1 risk-based capital ratio | 14.1728% | 4,199 |
| Total risk-based capital ratio | 14.9985% | 4,478 |
| Memoranda: | ||
| Average total assets | $2,226,498,000 | 312 |
| Average earning assets | $2,072,352,000 | 300 |
| Average equity | $211,112,000 | 334 |
| Average total loans | $1,450,589,000 | 308 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 6,261 |
| Cost of funding earning assets | 0.9547% | 4,003 |
| Net interest margin | 3.2211% | 6,107 |
| Noninterest income to average assets | 0.5363% | 3,608 |
| Noninterest expense to average assets | 2.3329% | 5,950 |
| Loan and lease loss provision to assets | 0.1004% | 5,198 |
| Net operating income to assets | 0.7579% | 3,351 |
| Return on assets (ROA) | 0.7446% | 3,576 |
| Pretax return on assets | 1.0862% | 3,066 |
| Return on Equity (ROE) | 7.8495% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.8495% | 1,566 |
| Net charge-offs to loans | 0.2184% | 4,070 |
| Credit loss provision to net charge-offs | 70.7286% | 4,461 |
| Earnings coverage of net charge-offs (x) | 8.4934% | 2,165 |
| Efficiency ratio | 65.9139% | 4,739 |
| Assets per employee ($millions) | 7.7806% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 6,237 |
| Loan loss allowance to noncurrent loans | 131.3477% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 5,336 |
| Noncurrent loans to loans | 0.7655% | 5,340 |
| Net loans and leases to total assets | 63.4044% | 3,431 |
| Net loans and leases to deposits | 76.7567% | 3,201 |
| Net loans and leases to core deposits | 81.2236% | 3,450 |
| Total domestic deposits to total assets | 82.6044% | 4,832 |
| Equity capital to assets | 9.6186% | 4,909 |
| Core capital (leverage) ratio | 9.8209% | 3,683 |
| Tier 1 risk-based capital ratio | 14.6439% | 3,876 |
| Total risk-based capital ratio | 15.6446% | 4,027 |
| Memoranda: | ||
| Average total assets | $2,204,032,500 | 318 |
| Average earning assets | $2,054,449,750 | 305 |
| Average equity | $209,079,250 | 340 |
| Average total loans | $1,433,125,250 | 313 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 6,259 |
| Cost of funding earning assets | 0.9899% | 4,015 |
| Net interest margin | 3.2216% | 6,095 |
| Noninterest income to average assets | 0.5135% | 3,757 |
| Noninterest expense to average assets | 2.3719% | 5,927 |
| Loan and lease loss provision to assets | 0.1061% | 4,979 |
| Net operating income to assets | 0.7163% | 3,466 |
| Return on assets (ROA) | 0.6998% | 3,659 |
| Pretax return on assets | 1.0134% | 3,194 |
| Return on Equity (ROE) | 7.4127% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.4127% | 1,693 |
| Net charge-offs to loans | 0.2891% | 3,432 |
| Credit loss provision to net charge-offs | 56.1471% | 4,439 |
| Earnings coverage of net charge-offs (x) | 6.0503% | 2,482 |
| Efficiency ratio | 67.4646% | 4,612 |
| Assets per employee ($millions) | 7.7548% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 6,370 |
| Loan loss allowance to noncurrent loans | 131.3268% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 5,878 |
| Noncurrent loans to loans | 0.7547% | 5,399 |
| Net loans and leases to total assets | 65.1476% | 3,220 |
| Net loans and leases to deposits | 78.5435% | 3,032 |
| Net loans and leases to core deposits | 83.2007% | 3,336 |
| Total domestic deposits to total assets | 82.9446% | 4,779 |
| Equity capital to assets | 9.6595% | 4,589 |
| Core capital (leverage) ratio | 9.6878% | 3,678 |
| Tier 1 risk-based capital ratio | 14.4384% | 3,834 |
| Total risk-based capital ratio | 15.4323% | 4,001 |
| Memoranda: | ||
| Average total assets | $2,186,583,000 | 325 |
| Average earning assets | $2,037,400,000 | 311 |
| Average equity | $206,428,330 | 347 |
| Average total loans | $1,429,108,330 | 321 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 6,341 |
| Cost of funding earning assets | 0.9939% | 4,244 |
| Net interest margin | 3.1789% | 6,137 |
| Noninterest income to average assets | 0.4589% | 4,198 |
| Noninterest expense to average assets | 2.3948% | 5,895 |
| Loan and lease loss provision to assets | 0.1375% | 4,292 |
| Net operating income to assets | 0.6280% | 3,877 |
| Return on assets (ROA) | 0.6009% | 4,093 |
| Pretax return on assets | 0.8447% | 3,722 |
| Return on Equity (ROE) | 6.4405% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.4405% | 2,398 |
| Net charge-offs to loans | 0.5639% | 2,075 |
| Credit loss provision to net charge-offs | 37.4251% | 3,995 |
| Earnings coverage of net charge-offs (x) | 2.7779% | 2,970 |
| Efficiency ratio | 70.1138% | 4,243 |
| Assets per employee ($millions) | 7.9080% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 6,484 |
| Loan loss allowance to noncurrent loans | 140.0461% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 5,556 |
| Noncurrent loans to loans | 0.6944% | 5,632 |
| Net loans and leases to total assets | 65.1536% | 3,209 |
| Net loans and leases to deposits | 78.0500% | 3,051 |
| Net loans and leases to core deposits | 82.7805% | 3,338 |
| Total domestic deposits to total assets | 83.4768% | 4,707 |
| Equity capital to assets | 9.4282% | 4,528 |
| Core capital (leverage) ratio | 9.5670% | 3,704 |
| Tier 1 risk-based capital ratio | 14.0922% | 4,012 |
| Total risk-based capital ratio | 15.0607% | 4,185 |
| Memoranda: | ||
| Average total assets | $2,182,574,500 | 326 |
| Average earning assets | $2,029,641,000 | 314 |
| Average equity | $203,648,500 | 347 |
| Average total loans | $1,421,641,500 | 323 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 6,440 |
| Cost of funding earning assets | 1.2392% | 4,293 |
| Net interest margin | 3.2421% | 6,160 |
| Noninterest income to average assets | 0.5673% | 3,697 |
| Noninterest expense to average assets | 2.3648% | 6,181 |
| Loan and lease loss provision to assets | 0.2252% | 5,029 |
| Net operating income to assets | 0.6774% | 3,313 |
| Return on assets (ROA) | 0.6675% | 3,497 |
| Pretax return on assets | 0.9770% | 3,010 |
| Return on Equity (ROE) | 7.4238% | 2,926 |
| Retained earnings to average equity (ytd only) | 7.4238% | 1,171 |
| Net charge-offs to loans | 0.0095% | 6,741 |
| Credit loss provision to net charge-offs | 3,608.8889% | 59 |
| Earnings coverage of net charge-offs (x) | 194.9778% | 130 |
| Efficiency ratio | 65.9538% | 4,977 |
| Assets per employee ($millions) | 7.7948% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 6,021 |
| Loan loss allowance to noncurrent loans | 166.2443% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 5,726 |
| Noncurrent loans to loans | 0.6505% | 5,758 |
| Net loans and leases to total assets | 63.7813% | 3,919 |
| Net loans and leases to deposits | 77.2466% | 3,626 |
| Net loans and leases to core deposits | 82.0811% | 3,898 |
| Total domestic deposits to total assets | 82.5684% | 4,986 |
| Equity capital to assets | 9.2331% | 4,785 |
| Core capital (leverage) ratio | 9.4295% | 3,804 |
| Tier 1 risk-based capital ratio | 14.1771% | 3,750 |
| Total risk-based capital ratio | 15.2537% | 3,837 |
| Memoranda: | ||
| Average total assets | $2,163,285,000 | 329 |
| Average earning assets | $2,011,281,000 | 316 |
| Average equity | $194,509,000 | 358 |
| Average total loans | $1,424,052,000 | 328 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5404% | 6,494 |
| Cost of funding earning assets | 1.2888% | 4,301 |
| Net interest margin | 3.2516% | 6,165 |
| Noninterest income to average assets | 0.4789% | 4,339 |
| Noninterest expense to average assets | 2.3142% | 6,280 |
| Loan and lease loss provision to assets | 0.1342% | 5,688 |
| Net operating income to assets | 0.7160% | 3,348 |
| Return on assets (ROA) | 0.7165% | 3,493 |
| Pretax return on assets | 1.0548% | 2,982 |
| Return on Equity (ROE) | 8.0237% | 2,889 |
| Retained earnings to average equity (ytd only) | 8.0237% | 1,413 |
| Net charge-offs to loans | 0.0119% | 6,499 |
| Credit loss provision to net charge-offs | 1,710.2362% | 183 |
| Earnings coverage of net charge-offs (x) | 151.4638% | 212 |
| Efficiency ratio | 65.9982% | 4,855 |
| Assets per employee ($millions) | 7.8024% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 6,821 |
| Loan loss allowance to noncurrent loans | 136.5678% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 5,838 |
| Noncurrent loans to loans | 0.6408% | 5,927 |
| Net loans and leases to total assets | 65.6447% | 3,766 |
| Net loans and leases to deposits | 80.3461% | 3,387 |
| Net loans and leases to core deposits | 85.4584% | 3,737 |
| Total domestic deposits to total assets | 81.7024% | 5,118 |
| Equity capital to assets | 9.3361% | 5,072 |
| Core capital (leverage) ratio | 9.4308% | 4,015 |
| Tier 1 risk-based capital ratio | 13.9416% | 3,885 |
| Total risk-based capital ratio | 14.8235% | 4,090 |
| Memoranda: | ||
| Average total assets | $2,158,469,000 | 327 |
| Average earning assets | $2,007,070,750 | 314 |
| Average equity | $192,756,750 | 357 |
| Average total loans | $1,428,246,000 | 332 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 6,483 |
| Cost of funding earning assets | 1.3551% | 4,163 |
| Net interest margin | 3.2351% | 6,209 |
| Noninterest income to average assets | 0.4490% | 4,524 |
| Noninterest expense to average assets | 2.3059% | 6,338 |
| Loan and lease loss provision to assets | 0.1161% | 5,738 |
| Net operating income to assets | 0.7004% | 3,405 |
| Return on assets (ROA) | 0.6621% | 3,723 |
| Pretax return on assets | 0.9731% | 3,227 |
| Return on Equity (ROE) | 7.5278% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.5278% | 1,629 |
| Net charge-offs to loans | 0.0172% | 6,100 |
| Credit loss provision to net charge-offs | 1,017.8862% | 366 |
| Earnings coverage of net charge-offs (x) | 100.4634% | 326 |
| Efficiency ratio | 66.7329% | 4,834 |
| Assets per employee ($millions) | 7.7657% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 7,012 |
| Loan loss allowance to noncurrent loans | 133.8483% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 5,915 |
| Noncurrent loans to loans | 0.6040% | 6,030 |
| Net loans and leases to total assets | 66.2218% | 3,786 |
| Net loans and leases to deposits | 81.6933% | 3,317 |
| Net loans and leases to core deposits | 87.1856% | 3,665 |
| Total domestic deposits to total assets | 81.0615% | 5,383 |
| Equity capital to assets | 9.1511% | 5,213 |
| Core capital (leverage) ratio | 9.2205% | 4,271 |
| Tier 1 risk-based capital ratio | 13.6574% | 3,969 |
| Total risk-based capital ratio | 14.4766% | 4,225 |
| Memoranda: | ||
| Average total assets | $2,157,532,670 | 322 |
| Average earning assets | $2,002,279,670 | 309 |
| Average equity | $189,749,000 | 363 |
| Average total loans | $1,427,231,330 | 336 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 6,692 |
| Cost of funding earning assets | 1.3971% | 4,203 |
| Net interest margin | 3.1473% | 6,464 |
| Noninterest income to average assets | 0.4491% | 4,476 |
| Noninterest expense to average assets | 2.2757% | 6,461 |
| Loan and lease loss provision to assets | 0.0281% | 6,396 |
| Net operating income to assets | 0.7422% | 3,249 |
| Return on assets (ROA) | 0.6318% | 3,872 |
| Pretax return on assets | 0.9182% | 3,401 |
| Return on Equity (ROE) | 7.3319% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.3319% | 2,002 |
| Net charge-offs to loans | 0.0031% | 5,581 |
| Credit loss provision to net charge-offs | 1,381.8182% | 359 |
| Earnings coverage of net charge-offs (x) | 543.2727% | 45 |
| Efficiency ratio | 67.2122% | 4,878 |
| Assets per employee ($millions) | 7.6352% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 7,252 |
| Loan loss allowance to noncurrent loans | 107.6409% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 5,820 |
| Noncurrent loans to loans | 0.6941% | 5,943 |
| Net loans and leases to total assets | 65.3093% | 4,038 |
| Net loans and leases to deposits | 81.3488% | 3,395 |
| Net loans and leases to core deposits | 87.3511% | 3,700 |
| Total domestic deposits to total assets | 80.2829% | 5,694 |
| Equity capital to assets | 8.7905% | 5,567 |
| Core capital (leverage) ratio | 9.0115% | 4,548 |
| Tier 1 risk-based capital ratio | 13.3641% | 4,078 |
| Total risk-based capital ratio | 14.1181% | 4,402 |
| Memoranda: | ||
| Average total assets | $2,160,746,000 | 328 |
| Average earning assets | $2,013,534,000 | 316 |
| Average equity | $186,199,000 | 373 |
| Average total loans | $1,422,791,500 | 347 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 6,809 |
| Cost of funding earning assets | 1.8750% | 3,597 |
| Net interest margin | 2.9853% | 6,683 |
| Noninterest income to average assets | 0.4788% | 4,585 |
| Noninterest expense to average assets | 2.3240% | 6,676 |
| Loan and lease loss provision to assets | 0.0490% | 7,072 |
| Net operating income to assets | 0.5907% | 3,364 |
| Return on assets (ROA) | 0.5637% | 3,549 |
| Pretax return on assets | 0.8505% | 3,083 |
| Return on Equity (ROE) | 7.2088% | 2,706 |
| Retained earnings to average equity (ytd only) | 7.2088% | 898 |
| Net charge-offs to loans | 0.0426% | 6,683 |
| Credit loss provision to net charge-offs | 169.3548% | 2,524 |
| Earnings coverage of net charge-offs (x) | 32.4984% | 717 |
| Efficiency ratio | 71.0834% | 4,433 |
| Assets per employee ($millions) | 7.6351% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 7,295 |
| Loan loss allowance to noncurrent loans | 117.8038% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 5,881 |
| Noncurrent loans to loans | 0.6249% | 5,988 |
| Net loans and leases to total assets | 65.4086% | 4,298 |
| Net loans and leases to deposits | 81.4568% | 3,706 |
| Net loans and leases to core deposits | 99.4709% | 4,051 |
| Total domestic deposits to total assets | 80.2984% | 5,588 |
| Equity capital to assets | 8.4442% | 5,986 |
| Core capital (leverage) ratio | 8.8128% | 4,748 |
| Tier 1 risk-based capital ratio | 13.0766% | 4,093 |
| Total risk-based capital ratio | 13.8174% | 4,409 |
| Memoranda: | ||
| Average total assets | $2,142,428,200 | 330 |
| Average earning assets | $1,999,223,800 | 324 |
| Average equity | $167,517,600 | 410 |
| Average total loans | $1,455,275,600 | 345 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9176% | 6,839 |
| Cost of funding earning assets | 1.9831% | 3,453 |
| Net interest margin | 2.9345% | 6,766 |
| Noninterest income to average assets | 0.4906% | 4,571 |
| Noninterest expense to average assets | 2.3145% | 6,659 |
| Loan and lease loss provision to assets | 0.0172% | 7,173 |
| Net operating income to assets | 0.5801% | 3,681 |
| Return on assets (ROA) | 0.6646% | 3,402 |
| Pretax return on assets | 1.0286% | 2,812 |
| Return on Equity (ROE) | 8.6755% | 2,386 |
| Retained earnings to average equity (ytd only) | 8.6755% | 927 |
| Net charge-offs to loans | 0.0262% | 6,515 |
| Credit loss provision to net charge-offs | 95.4861% | 5,325 |
| Earnings coverage of net charge-offs (x) | 50.9827% | 620 |
| Efficiency ratio | 71.5430% | 4,321 |
| Assets per employee ($millions) | 7.6014% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 7,367 |
| Loan loss allowance to noncurrent loans | 128.7583% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 5,998 |
| Noncurrent loans to loans | 0.5441% | 6,223 |
| Net loans and leases to total assets | 65.9085% | 4,456 |
| Net loans and leases to deposits | 82.6970% | 3,892 |
| Net loans and leases to core deposits | 102.8298% | 4,069 |
| Total domestic deposits to total assets | 79.6987% | 5,559 |
| Equity capital to assets | 8.2984% | 6,506 |
| Core capital (leverage) ratio | 8.7819% | 5,003 |
| Tier 1 risk-based capital ratio | 12.9319% | 4,243 |
| Total risk-based capital ratio | 13.6355% | 4,585 |
| Memoranda: | ||
| Average total assets | $2,137,849,500 | 342 |
| Average earning assets | $1,995,848,250 | 337 |
| Average equity | $163,782,500 | 434 |
| Average total loans | $1,463,146,500 | 361 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0629% | 6,570 |
| Cost of funding earning assets | 2.1272% | 3,150 |
| Net interest margin | 2.9357% | 6,718 |
| Noninterest income to average assets | 0.5147% | 4,313 |
| Noninterest expense to average assets | 2.3853% | 6,511 |
| Loan and lease loss provision to assets | 0.0188% | 7,037 |
| Net operating income to assets | 0.5549% | 3,860 |
| Return on assets (ROA) | 0.5922% | 3,821 |
| Pretax return on assets | 0.9048% | 3,319 |
| Return on Equity (ROE) | 7.9528% | 2,794 |
| Retained earnings to average equity (ytd only) | 7.9528% | 1,227 |
| Net charge-offs to loans | 0.0372% | 5,936 |
| Credit loss provision to net charge-offs | 72.9927% | 5,363 |
| Earnings coverage of net charge-offs (x) | 33.6825% | 922 |
| Efficiency ratio | 73.2500% | 4,150 |
| Assets per employee ($millions) | 7.5594% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 7,425 |
| Loan loss allowance to noncurrent loans | 257.6039% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 6,475 |
| Noncurrent loans to loans | 0.2720% | 6,846 |
| Net loans and leases to total assets | 65.4091% | 4,681 |
| Net loans and leases to deposits | 82.3076% | 4,175 |
| Net loans and leases to core deposits | 102.9989% | 4,178 |
| Total domestic deposits to total assets | 79.4691% | 5,660 |
| Equity capital to assets | 7.6700% | 7,113 |
| Core capital (leverage) ratio | 8.6648% | 5,154 |
| Tier 1 risk-based capital ratio | 13.6682% | 3,710 |
| Total risk-based capital ratio | 14.4208% | 3,948 |
| Memoranda: | ||
| Average total assets | $2,130,864,000 | 350 |
| Average earning assets | $1,986,537,330 | 345 |
| Average equity | $158,661,000 | 451 |
| Average total loans | $1,473,237,330 | 368 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 6,246 |
| Cost of funding earning assets | 2.2629% | 2,872 |
| Net interest margin | 2.9487% | 6,617 |
| Noninterest income to average assets | 0.4727% | 4,569 |
| Noninterest expense to average assets | 2.2732% | 6,626 |
| Loan and lease loss provision to assets | 0.0378% | 6,481 |
| Net operating income to assets | 0.5887% | 4,062 |
| Return on assets (ROA) | 0.6976% | 3,759 |
| Pretax return on assets | 1.0828% | 3,054 |
| Return on Equity (ROE) | 9.5151% | 2,523 |
| Retained earnings to average equity (ytd only) | 9.5151% | 1,332 |
| Net charge-offs to loans | 0.0072% | 5,579 |
| Credit loss provision to net charge-offs | 740.7407% | 823 |
| Earnings coverage of net charge-offs (x) | 186.1481% | 228 |
| Efficiency ratio | 70.4053% | 4,494 |
| Assets per employee ($millions) | 7.1797% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 7,455 |
| Loan loss allowance to noncurrent loans | 290.7850% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 6,266 |
| Noncurrent loans to loans | 0.2383% | 6,849 |
| Net loans and leases to total assets | 68.7037% | 3,974 |
| Net loans and leases to deposits | 86.9189% | 3,490 |
| Net loans and leases to core deposits | 111.1211% | 3,297 |
| Total domestic deposits to total assets | 79.0435% | 5,709 |
| Equity capital to assets | 7.2227% | 7,545 |
| Core capital (leverage) ratio | 8.4645% | 5,607 |
| Tier 1 risk-based capital ratio | 13.5453% | 3,838 |
| Total risk-based capital ratio | 14.3361% | 4,040 |
| Memoranda: | ||
| Average total assets | $2,115,302,500 | 355 |
| Average earning assets | $1,973,376,500 | 344 |
| Average equity | $155,079,500 | 455 |
| Average total loans | $1,497,799,500 | 365 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6574% | 6,914 |
| Cost of funding earning assets | 2.7584% | 2,884 |
| Net interest margin | 2.8990% | 7,156 |
| Noninterest income to average assets | 0.3591% | 5,854 |
| Noninterest expense to average assets | 2.1418% | 7,133 |
| Loan and lease loss provision to assets | 0.1502% | 5,439 |
| Net operating income to assets | 0.5580% | 4,490 |
| Return on assets (ROA) | 0.0037% | 6,221 |
| Pretax return on assets | -0.0855% | 6,253 |
| Return on Equity (ROE) | 0.0460% | 6,218 |
| Retained earnings to average equity (ytd only) | 0.0460% | 5,209 |
| Net charge-offs to loans | 0.1053% | 5,246 |
| Credit loss provision to net charge-offs | 201.4622% | 2,411 |
| Earnings coverage of net charge-offs (x) | 12.4844% | 2,238 |
| Efficiency ratio | 69.5559% | 4,435 |
| Assets per employee ($millions) | 7.1368% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 7,525 |
| Loan loss allowance to noncurrent loans | 844.6218% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 6,364 |
| Noncurrent loans to loans | 0.0783% | 7,189 |
| Net loans and leases to total assets | 71.9799% | 3,590 |
| Net loans and leases to deposits | 92.3927% | 3,070 |
| Net loans and leases to core deposits | 118.3929% | 2,844 |
| Total domestic deposits to total assets | 77.9065% | 5,745 |
| Equity capital to assets | 7.4417% | 7,435 |
| Core capital (leverage) ratio | 8.2952% | 5,959 |
| Tier 1 risk-based capital ratio | 13.1420% | 4,038 |
| Total risk-based capital ratio | 13.9118% | 4,232 |
| Memoranda: | ||
| Average total assets | $2,109,823,200 | 343 |
| Average earning assets | $1,974,853,400 | 334 |
| Average equity | $171,704,200 | 415 |
| Average total loans | $1,493,354,600 | 353 |