Home > Capital City Bank > Performance and Condition Ratios
Capital City 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 | 4.5624% | 2,990 |
| Cost of funding earning assets | 0.4953% | 4,199 |
| Net interest margin | 4.0671% | 1,110 |
| Noninterest income to average assets | 1.6300% | 349 |
| Noninterest expense to average assets | 3.5692% | 533 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.2370% | 1,567 |
| Return on assets (ROA) | 1.2701% | 1,465 |
| Pretax return on assets | 1.5852% | 1,261 |
| Return on Equity (ROE) | 13.1200% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.9877% | 2,247 |
| Net charge-offs to loans | 0.1750% | 611 |
| Credit loss provision to net charge-offs | 203.2190% | 1,214 |
| Earnings coverage of net charge-offs (x) | 16.3391% | 2,012 |
| Efficiency ratio | 66.7789% | 2,251 |
| Assets per employee ($millions) | 5.4752% | 3,272 |
| Cash dividends to net income (ytd only)* | 54.3577% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 2,916 |
| Loan loss allowance to noncurrent loans | 479.6700% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,552 |
| Noncurrent loans to loans | 0.2260% | 2,415 |
| Net loans and leases to total assets | 63.5700% | 2,499 |
| Net loans and leases to deposits | 72.5614% | 2,724 |
| Net loans and leases to core deposits | 72.9565% | 3,128 |
| Total domestic deposits to total assets | 87.6100% | 1,483 |
| Equity capital to assets | 10.3048% | 1,839 |
| Core capital (leverage) ratio | 9.3081% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0884% | 1,509 |
| Memoranda: | ||
| Average total assets | $4,345,207,800 | 303 |
| Average earning assets | $3,967,733,200 | 300 |
| Average equity | $420,695,200 | 305 |
| Average total loans | $2,697,941,800 | 321 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 2,919 |
| Cost of funding earning assets | 0.4436% | 4,208 |
| Net interest margin | 4.0560% | 1,138 |
| Noninterest income to average assets | 1.9400% | 289 |
| Noninterest expense to average assets | 3.7499% | 434 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.3147% | 1,517 |
| Return on assets (ROA) | 1.3499% | 1,404 |
| Pretax return on assets | 1.6950% | 1,165 |
| Return on Equity (ROE) | 13.9300% | 1,673 |
| Retained earnings to average equity (ytd only) | 6.8361% | 2,351 |
| Net charge-offs to loans | 0.1567% | 537 |
| Credit loss provision to net charge-offs | 230.3165% | 1,033 |
| Earnings coverage of net charge-offs (x) | 19.6611% | 1,829 |
| Efficiency ratio | 66.3979% | 2,231 |
| Assets per employee ($millions) | 5.3116% | 3,341 |
| Cash dividends to net income (ytd only)* | 50.9107% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,112 |
| Loan loss allowance to noncurrent loans | 614.6996% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 2,813 |
| Noncurrent loans to loans | 0.1709% | 2,683 |
| Net loans and leases to total assets | 65.6000% | 2,278 |
| Net loans and leases to deposits | 75.2710% | 2,478 |
| Net loans and leases to core deposits | 75.6189% | 2,891 |
| Total domestic deposits to total assets | 87.1500% | 1,843 |
| Equity capital to assets | 10.4423% | 1,580 |
| Core capital (leverage) ratio | 9.2769% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1865% | 1,511 |
| Memoranda: | ||
| Average total assets | $4,364,999,750 | 303 |
| Average earning assets | $3,987,412,250 | 299 |
| Average equity | $423,137,250 | 303 |
| Average total loans | $2,688,308,250 | 326 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3841% | 2,924 |
| Cost of funding earning assets | 0.3654% | 4,219 |
| Net interest margin | 4.0186% | 1,208 |
| Noninterest income to average assets | 2.0100% | 240 |
| Noninterest expense to average assets | 3.7042% | 436 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.3779% | 1,387 |
| Return on assets (ROA) | 1.3781% | 1,364 |
| Pretax return on assets | 1.7403% | 1,132 |
| Return on Equity (ROE) | 14.5700% | 1,559 |
| Retained earnings to average equity (ytd only) | 7.4229% | 2,154 |
| Net charge-offs to loans | 0.1504% | 517 |
| Credit loss provision to net charge-offs | 260.8371% | 937 |
| Earnings coverage of net charge-offs (x) | 21.9088% | 1,709 |
| Efficiency ratio | 65.1535% | 2,353 |
| Assets per employee ($millions) | 5.6767% | 3,000 |
| Cash dividends to net income (ytd only)* | 49.0404% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,327 |
| Loan loss allowance to noncurrent loans | 422.2256% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 2,490 |
| Noncurrent loans to loans | 0.2422% | 2,288 |
| Net loans and leases to total assets | 61.6100% | 2,614 |
| Net loans and leases to deposits | 70.2878% | 2,759 |
| Net loans and leases to core deposits | 70.5817% | 3,092 |
| Total domestic deposits to total assets | 87.6500% | 1,726 |
| Equity capital to assets | 9.7502% | 2,001 |
| Core capital (leverage) ratio | 8.9212% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6988% | 1,652 |
| Memoranda: | ||
| Average total assets | $4,438,976,333 | 292 |
| Average earning assets | $4,059,670,000 | 285 |
| Average equity | $419,973,000 | 298 |
| Average total loans | $2,668,909,333 | 315 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 2,797 |
| Cost of funding earning assets | 0.2895% | 4,223 |
| Net interest margin | 4.0124% | 1,242 |
| Noninterest income to average assets | 2.0600% | 224 |
| Noninterest expense to average assets | 3.6588% | 457 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 1.4023% | 1,400 |
| Return on assets (ROA) | 1.4054% | 1,365 |
| Pretax return on assets | 1.7994% | 1,070 |
| Return on Equity (ROE) | 15.0800% | 1,540 |
| Retained earnings to average equity (ytd only) | 7.8661% | 2,258 |
| Net charge-offs to loans | 0.2307% | 324 |
| Credit loss provision to net charge-offs | 216.5132% | 793 |
| Earnings coverage of net charge-offs (x) | 15.2401% | 1,549 |
| Efficiency ratio | 63.7905% | 2,486 |
| Assets per employee ($millions) | 5.7107% | 3,018 |
| Cash dividends to net income (ytd only)* | 47.8438% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,575 |
| Loan loss allowance to noncurrent loans | 577.6204% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 2,793 |
| Noncurrent loans to loans | 0.1705% | 2,630 |
| Net loans and leases to total assets | 60.5400% | 2,590 |
| Net loans and leases to deposits | 68.6268% | 2,722 |
| Net loans and leases to core deposits | 68.9098% | 3,028 |
| Total domestic deposits to total assets | 88.2100% | 1,852 |
| Equity capital to assets | 9.6009% | 2,063 |
| Core capital (leverage) ratio | 8.5548% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4063% | 1,826 |
| Memoranda: | ||
| Average total assets | $4,461,583,000 | 301 |
| Average earning assets | $4,083,336,000 | 297 |
| Average equity | $415,759,000 | 306 |
| Average total loans | $2,635,908,500 | 328 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 3,596 |
| Cost of funding earning assets | 0.1313% | 4,225 |
| Net interest margin | 3.1618% | 2,979 |
| Noninterest income to average assets | 2.0500% | 238 |
| Noninterest expense to average assets | 3.5634% | 465 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.9730% | 2,661 |
| Return on assets (ROA) | 0.9754% | 2,600 |
| Pretax return on assets | 1.2224% | 2,363 |
| Return on Equity (ROE) | 10.5700% | 2,622 |
| Retained earnings to average equity (ytd only) | 4.8382% | 3,122 |
| Net charge-offs to loans | 0.1747% | 478 |
| Credit loss provision to net charge-offs | 179.5426% | 1,187 |
| Earnings coverage of net charge-offs (x) | 15.3090% | 2,007 |
| Efficiency ratio | 72.0135% | 1,440 |
| Assets per employee ($millions) | 5.9011% | 2,849 |
| Cash dividends to net income (ytd only)* | 54.2057% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 3,572 |
| Loan loss allowance to noncurrent loans | 1,076.8829% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,201 |
| Noncurrent loans to loans | 0.0890% | 3,120 |
| Net loans and leases to total assets | 56.5300% | 2,970 |
| Net loans and leases to deposits | 63.9830% | 3,042 |
| Net loans and leases to core deposits | 64.1831% | 3,250 |
| Total domestic deposits to total assets | 88.3400% | 1,951 |
| Equity capital to assets | 9.0437% | 2,331 |
| Core capital (leverage) ratio | 8.4291% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5012% | 1,781 |
| Memoranda: | ||
| Average total assets | $4,350,088,000 | 295 |
| Average earning assets | $3,987,143,000 | 293 |
| Average equity | $401,615,000 | 306 |
| Average total loans | $2,251,797,200 | 343 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0449% | 3,803 |
| Cost of funding earning assets | 0.0891% | 4,353 |
| Net interest margin | 2.9558% | 3,341 |
| Noninterest income to average assets | 2.1300% | 248 |
| Noninterest expense to average assets | 3.5390% | 469 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.9442% | 2,686 |
| Return on assets (ROA) | 0.9167% | 2,776 |
| Pretax return on assets | 1.1572% | 2,532 |
| Return on Equity (ROE) | 9.8800% | 2,765 |
| Retained earnings to average equity (ytd only) | 4.9571% | 3,115 |
| Net charge-offs to loans | 0.1609% | 404 |
| Credit loss provision to net charge-offs | 134.5302% | 1,166 |
| Earnings coverage of net charge-offs (x) | 16.0130% | 1,826 |
| Efficiency ratio | 73.1713% | 1,365 |
| Assets per employee ($millions) | 5.6129% | 3,114 |
| Cash dividends to net income (ytd only)* | 49.8058% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 3,744 |
| Loan loss allowance to noncurrent loans | 933.6375% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,332 |
| Noncurrent loans to loans | 0.1006% | 3,156 |
| Net loans and leases to total assets | 54.8600% | 3,020 |
| Net loans and leases to deposits | 62.1826% | 3,008 |
| Net loans and leases to core deposits | 62.3637% | 3,222 |
| Total domestic deposits to total assets | 88.2200% | 2,358 |
| Equity capital to assets | 9.0828% | 2,149 |
| Core capital (leverage) ratio | 8.3938% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8888% | 1,745 |
| Memoranda: | ||
| Average total assets | $4,307,554,250 | 299 |
| Average earning assets | $3,946,321,000 | 295 |
| Average equity | $399,820,000 | 306 |
| Average total loans | $2,169,792,750 | 353 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7777% | 4,013 |
| Cost of funding earning assets | 0.0529% | 4,579 |
| Net interest margin | 2.7248% | 3,652 |
| Noninterest income to average assets | 2.1574% | 209 |
| Noninterest expense to average assets | 3.5351% | 428 |
| Loan and lease loss provision to assets | 0.0717% | 1,335 |
| Net operating income to assets | 0.8427% | 2,809 |
| Return on assets (ROA) | 0.7996% | 2,927 |
| Pretax return on assets | 1.0050% | 2,712 |
| Return on Equity (ROE) | 8.5537% | 2,846 |
| Retained earnings to average equity (ytd only) | 4.6987% | 2,815 |
| Net charge-offs to loans | 0.1830% | 353 |
| Credit loss provision to net charge-offs | 83.0376% | 1,372 |
| Earnings coverage of net charge-offs (x) | 12.5725% | 1,705 |
| Efficiency ratio | 75.9375% | 1,294 |
| Assets per employee ($millions) | 5.7971% | 2,927 |
| Cash dividends to net income (ytd only)* | 45.0686% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,830 |
| Loan loss allowance to noncurrent loans | 676.4463% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,230 |
| Noncurrent loans to loans | 0.1391% | 3,011 |
| Net loans and leases to total assets | 51.5452% | 3,211 |
| Net loans and leases to deposits | 58.3805% | 3,187 |
| Net loans and leases to core deposits | 58.5495% | 3,387 |
| Total domestic deposits to total assets | 88.2918% | 2,464 |
| Equity capital to assets | 9.1111% | 2,307 |
| Core capital (leverage) ratio | 8.3335% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3191% | 1,621 |
| Memoranda: | ||
| Average total assets | $4,300,897,000 | 296 |
| Average earning assets | $3,942,676,000 | 295 |
| Average equity | $402,072,667 | 306 |
| Average total loans | $2,094,227,333 | 354 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5887% | 4,141 |
| Cost of funding earning assets | 0.0432% | 4,646 |
| Net interest margin | 2.5454% | 3,796 |
| Noninterest income to average assets | 2.1254% | 221 |
| Noninterest expense to average assets | 3.4842% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7864% | 2,707 |
| Return on assets (ROA) | 0.7283% | 2,937 |
| Pretax return on assets | 0.9214% | 2,694 |
| Return on Equity (ROE) | 7.6910% | 2,808 |
| Retained earnings to average equity (ytd only) | 2.0126% | 3,533 |
| Net charge-offs to loans | 0.1534% | 382 |
| Credit loss provision to net charge-offs | -10.2464% | 2,753 |
| Earnings coverage of net charge-offs (x) | 13.5953% | 1,388 |
| Efficiency ratio | 78.0440% | 1,310 |
| Assets per employee ($millions) | 5.8129% | 2,988 |
| Cash dividends to net income (ytd only)* | 73.8315% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,637 |
| Loan loss allowance to noncurrent loans | 760.0146% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,419 |
| Noncurrent loans to loans | 0.1341% | 3,141 |
| Net loans and leases to total assets | 46.8570% | 3,500 |
| Net loans and leases to deposits | 52.8702% | 3,502 |
| Net loans and leases to core deposits | 53.0006% | 3,662 |
| Total domestic deposits to total assets | 88.6264% | 2,245 |
| Equity capital to assets | 9.2203% | 2,510 |
| Core capital (leverage) ratio | 8.3208% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1454% | 1,472 |
| Memoranda: | ||
| Average total assets | $4,277,446,000 | 301 |
| Average earning assets | $3,930,648,000 | 300 |
| Average equity | $405,043,500 | 313 |
| Average total loans | $2,010,160,500 | 362 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9134% | 4,029 |
| Cost of funding earning assets | 0.0618% | 4,635 |
| Net interest margin | 2.8516% | 3,557 |
| Noninterest income to average assets | 2.7038% | 209 |
| Noninterest expense to average assets | 4.0186% | 281 |
| Loan and lease loss provision to assets | -0.0388% | 4,307 |
| Net operating income to assets | 1.0618% | 2,442 |
| Return on assets (ROA) | 0.9063% | 3,081 |
| Pretax return on assets | 1.1700% | 2,761 |
| Return on Equity (ROE) | 9.7620% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.0700% | 1,896 |
| Net charge-offs to loans | -0.0305% | 4,130 |
| Credit loss provision to net charge-offs | 449.6835% | 858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7463% | 1,126 |
| Assets per employee ($millions) | 5.8506% | 2,905 |
| Cash dividends to net income (ytd only)* | 27.5763% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,397 |
| Loan loss allowance to noncurrent loans | 499.5607% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 3,222 |
| Noncurrent loans to loans | 0.2180% | 2,870 |
| Net loans and leases to total assets | 46.1374% | 3,681 |
| Net loans and leases to deposits | 52.2999% | 3,720 |
| Net loans and leases to core deposits | 52.4283% | 3,861 |
| Total domestic deposits to total assets | 88.2171% | 1,926 |
| Equity capital to assets | 9.7211% | 2,922 |
| Core capital (leverage) ratio | 8.5926% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5192% | 1,382 |
| Memoranda: | ||
| Average total assets | $4,001,283,000 | 300 |
| Average earning assets | $3,650,464,800 | 302 |
| Average equity | $371,471,400 | 340 |
| Average total loans | $2,070,442,800 | 353 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0066% | 3,987 |
| Cost of funding earning assets | 0.0641% | 4,719 |
| Net interest margin | 2.9425% | 3,453 |
| Noninterest income to average assets | 2.8427% | 212 |
| Noninterest expense to average assets | 4.1131% | 268 |
| Loan and lease loss provision to assets | -0.0525% | 4,467 |
| Net operating income to assets | 1.1774% | 2,237 |
| Return on assets (ROA) | 0.9926% | 3,018 |
| Pretax return on assets | 1.2745% | 2,691 |
| Return on Equity (ROE) | 10.8298% | 2,425 |
| Retained earnings to average equity (ytd only) | 10.8298% | 1,099 |
| Net charge-offs to loans | -0.0463% | 4,320 |
| Credit loss provision to net charge-offs | 419.0083% | 838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5149% | 1,172 |
| Assets per employee ($millions) | 5.3277% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,602 |
| Loan loss allowance to noncurrent loans | 709.5710% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 3,571 |
| Noncurrent loans to loans | 0.1501% | 3,368 |
| Net loans and leases to total assets | 49.4495% | 3,474 |
| Net loans and leases to deposits | 57.0016% | 3,490 |
| Net loans and leases to core deposits | 57.1616% | 3,689 |
| Total domestic deposits to total assets | 86.7510% | 2,448 |
| Equity capital to assets | 9.5712% | 3,315 |
| Core capital (leverage) ratio | 8.8676% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3954% | 1,516 |
| Memoranda: | ||
| Average total assets | $3,938,264,000 | 305 |
| Average earning assets | $3,583,193,500 | 307 |
| Average equity | $360,970,750 | 347 |
| Average total loans | $2,092,054,250 | 353 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9464% | 4,146 |
| Cost of funding earning assets | 0.0667% | 4,758 |
| Net interest margin | 2.8798% | 3,625 |
| Noninterest income to average assets | 2.8993% | 200 |
| Noninterest expense to average assets | 4.1799% | 252 |
| Loan and lease loss provision to assets | -0.0795% | 4,580 |
| Net operating income to assets | 1.1496% | 2,367 |
| Return on assets (ROA) | 0.9472% | 3,154 |
| Pretax return on assets | 1.2137% | 2,871 |
| Return on Equity (ROE) | 10.4939% | 2,586 |
| Retained earnings to average equity (ytd only) | 10.4939% | 1,254 |
| Net charge-offs to loans | -0.0808% | 4,552 |
| Credit loss provision to net charge-offs | 291.9298% | 904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7704% | 1,105 |
| Assets per employee ($millions) | 5.2709% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,582 |
| Loan loss allowance to noncurrent loans | 433.6984% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 3,204 |
| Noncurrent loans to loans | 0.2447% | 3,073 |
| Net loans and leases to total assets | 51.6751% | 3,374 |
| Net loans and leases to deposits | 59.4351% | 3,435 |
| Net loans and leases to core deposits | 59.6074% | 3,649 |
| Total domestic deposits to total assets | 86.9437% | 2,356 |
| Equity capital to assets | 9.2623% | 3,548 |
| Core capital (leverage) ratio | 8.5730% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0248% | 1,621 |
| Memoranda: | ||
| Average total assets | $3,904,889,333 | 305 |
| Average earning assets | $3,548,849,333 | 306 |
| Average equity | $352,453,000 | 350 |
| Average total loans | $2,116,585,333 | 350 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9030% | 4,251 |
| Cost of funding earning assets | 0.0726% | 4,784 |
| Net interest margin | 2.8304% | 3,689 |
| Noninterest income to average assets | 3.0992% | 194 |
| Noninterest expense to average assets | 4.1487% | 255 |
| Loan and lease loss provision to assets | -0.1018% | 4,721 |
| Net operating income to assets | 1.3199% | 1,762 |
| Return on assets (ROA) | 1.0567% | 2,693 |
| Pretax return on assets | 1.3622% | 2,390 |
| Return on Equity (ROE) | 11.8681% | 2,062 |
| Retained earnings to average equity (ytd only) | 11.8681% | 1,180 |
| Net charge-offs to loans | -0.0980% | 4,634 |
| Credit loss provision to net charge-offs | 442.9119% | 620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1401% | 1,393 |
| Assets per employee ($millions) | 5.1031% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,727 |
| Loan loss allowance to noncurrent loans | 410.5499% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 3,476 |
| Noncurrent loans to loans | 0.2507% | 3,200 |
| Net loans and leases to total assets | 53.9658% | 3,247 |
| Net loans and leases to deposits | 62.2363% | 3,303 |
| Net loans and leases to core deposits | 62.4142% | 3,548 |
| Total domestic deposits to total assets | 86.7112% | 2,439 |
| Equity capital to assets | 8.8106% | 3,869 |
| Core capital (leverage) ratio | 8.2467% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8931% | 1,604 |
| Memoranda: | ||
| Average total assets | $3,857,038,500 | 305 |
| Average earning assets | $3,506,333,000 | 308 |
| Average equity | $343,407,000 | 354 |
| Average total loans | $2,130,136,500 | 349 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 4,109 |
| Cost of funding earning assets | 0.1092% | 4,842 |
| Net interest margin | 3.3448% | 2,944 |
| Noninterest income to average assets | 3.2718% | 172 |
| Noninterest expense to average assets | 4.3969% | 274 |
| Loan and lease loss provision to assets | 0.2834% | 1,344 |
| Net operating income to assets | 1.3007% | 1,247 |
| Return on assets (ROA) | 0.9752% | 2,527 |
| Pretax return on assets | 1.2877% | 2,023 |
| Return on Equity (ROE) | 9.2019% | 2,310 |
| Retained earnings to average equity (ytd only) | 3.3795% | 3,133 |
| Net charge-offs to loans | 0.1182% | 1,305 |
| Credit loss provision to net charge-offs | 403.0506% | 1,423 |
| Earnings coverage of net charge-offs (x) | 26.9737% | 1,697 |
| Efficiency ratio | 69.8636% | 1,967 |
| Assets per employee ($millions) | 5.0938% | 3,288 |
| Cash dividends to net income (ytd only)* | 63.2740% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 3,342 |
| Loan loss allowance to noncurrent loans | 429.1944% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 3,435 |
| Noncurrent loans to loans | 0.2617% | 3,255 |
| Net loans and leases to total assets | 55.3238% | 3,362 |
| Net loans and leases to deposits | 64.2830% | 3,415 |
| Net loans and leases to core deposits | 64.4096% | 3,664 |
| Total domestic deposits to total assets | 86.0629% | 2,337 |
| Equity capital to assets | 9.2918% | 3,794 |
| Core capital (leverage) ratio | 8.4944% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8658% | 1,576 |
| Memoranda: | ||
| Average total assets | $3,403,243,600 | 314 |
| Average earning assets | $3,074,615,200 | 315 |
| Average equity | $360,676,400 | 321 |
| Average total loans | $2,024,879,400 | 350 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 4,069 |
| Cost of funding earning assets | 0.1115% | 4,904 |
| Net interest margin | 3.4671% | 2,699 |
| Noninterest income to average assets | 3.2788% | 167 |
| Noninterest expense to average assets | 4.3978% | 266 |
| Loan and lease loss provision to assets | 0.3348% | 1,156 |
| Net operating income to assets | 1.3615% | 1,196 |
| Return on assets (ROA) | 1.0046% | 2,450 |
| Pretax return on assets | 1.3162% | 1,985 |
| Return on Equity (ROE) | 9.1557% | 2,333 |
| Retained earnings to average equity (ytd only) | 3.3677% | 3,364 |
| Net charge-offs to loans | 0.1271% | 1,122 |
| Credit loss provision to net charge-offs | 435.3959% | 1,394 |
| Earnings coverage of net charge-offs (x) | 26.1127% | 1,704 |
| Efficiency ratio | 68.6543% | 2,092 |
| Assets per employee ($millions) | 4.7142% | 3,578 |
| Cash dividends to net income (ytd only)* | 63.2175% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,240 |
| Loan loss allowance to noncurrent loans | 420.0617% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 3,490 |
| Noncurrent loans to loans | 0.2605% | 3,368 |
| Net loans and leases to total assets | 58.4562% | 3,374 |
| Net loans and leases to deposits | 68.4070% | 3,440 |
| Net loans and leases to core deposits | 68.5618% | 3,727 |
| Total domestic deposits to total assets | 85.4535% | 2,267 |
| Equity capital to assets | 10.3955% | 2,874 |
| Core capital (leverage) ratio | 8.8701% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5565% | 1,359 |
| Memoranda: | ||
| Average total assets | $3,306,610,500 | 315 |
| Average earning assets | $2,982,165,250 | 313 |
| Average equity | $362,810,750 | 315 |
| Average total loans | $2,000,983,000 | 350 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,040 |
| Cost of funding earning assets | 0.1227% | 4,938 |
| Net interest margin | 3.5982% | 2,489 |
| Noninterest income to average assets | 2.8859% | 169 |
| Noninterest expense to average assets | 4.2846% | 308 |
| Loan and lease loss provision to assets | 0.4350% | 891 |
| Net operating income to assets | 1.1274% | 1,883 |
| Return on assets (ROA) | 0.8802% | 2,886 |
| Pretax return on assets | 1.1590% | 2,501 |
| Return on Equity (ROE) | 7.8685% | 2,801 |
| Retained earnings to average equity (ytd only) | 2.0313% | 3,740 |
| Net charge-offs to loans | 0.1347% | 1,040 |
| Credit loss provision to net charge-offs | 529.1225% | 1,183 |
| Earnings coverage of net charge-offs (x) | 22.3971% | 1,629 |
| Efficiency ratio | 69.9428% | 1,966 |
| Assets per employee ($millions) | 4.6915% | 3,539 |
| Cash dividends to net income (ytd only)* | 74.1840% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,233 |
| Loan loss allowance to noncurrent loans | 322.1951% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 3,406 |
| Noncurrent loans to loans | 0.3321% | 3,202 |
| Net loans and leases to total assets | 59.4860% | 3,375 |
| Net loans and leases to deposits | 69.2442% | 3,477 |
| Net loans and leases to core deposits | 69.3867% | 3,748 |
| Total domestic deposits to total assets | 85.9075% | 2,053 |
| Equity capital to assets | 10.4634% | 2,777 |
| Core capital (leverage) ratio | 9.3738% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3941% | 1,390 |
| Memoranda: | ||
| Average total assets | $3,216,134,000 | 316 |
| Average earning assets | $2,895,968,000 | 317 |
| Average equity | $359,763,000 | 316 |
| Average total loans | $1,963,070,000 | 352 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 3,907 |
| Cost of funding earning assets | 0.1598% | 4,957 |
| Net interest margin | 3.7970% | 1,984 |
| Noninterest income to average assets | 2.1102% | 249 |
| Noninterest expense to average assets | 4.1096% | 446 |
| Loan and lease loss provision to assets | 0.6483% | 417 |
| Net operating income to assets | 0.5725% | 3,680 |
| Return on assets (ROA) | 0.6085% | 3,632 |
| Pretax return on assets | 0.7999% | 3,417 |
| Return on Equity (ROE) | 5.2477% | 3,555 |
| Retained earnings to average equity (ytd only) | -0.6341% | 4,096 |
| Net charge-offs to loans | 0.2284% | 621 |
| Credit loss provision to net charge-offs | 461.1830% | 924 |
| Earnings coverage of net charge-offs (x) | 10.0462% | 1,788 |
| Efficiency ratio | 74.4253% | 1,761 |
| Assets per employee ($millions) | 4.1303% | 3,749 |
| Cash dividends to net income (ytd only)* | 112.0837% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,291 |
| Loan loss allowance to noncurrent loans | 432.2944% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 3,654 |
| Noncurrent loans to loans | 0.2507% | 3,590 |
| Net loans and leases to total assets | 62.5243% | 3,245 |
| Net loans and leases to deposits | 74.3727% | 3,232 |
| Net loans and leases to core deposits | 74.5299% | 3,603 |
| Total domestic deposits to total assets | 84.0689% | 2,769 |
| Equity capital to assets | 11.5822% | 2,369 |
| Core capital (leverage) ratio | 10.1254% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0769% | 1,585 |
| Memoranda: | ||
| Average total assets | $3,078,974,000 | 317 |
| Average earning assets | $2,766,360,500 | 318 |
| Average equity | $357,035,000 | 316 |
| Average total loans | $1,895,211,500 | 352 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 3,838 |
| Cost of funding earning assets | 0.2640% | 4,816 |
| Net interest margin | 3.9240% | 2,095 |
| Noninterest income to average assets | 1.7575% | 317 |
| Noninterest expense to average assets | 3.7587% | 708 |
| Loan and lease loss provision to assets | 0.0677% | 2,656 |
| Net operating income to assets | 1.1099% | 2,402 |
| Return on assets (ROA) | 1.1099% | 2,492 |
| Pretax return on assets | 1.4637% | 1,924 |
| Return on Equity (ROE) | 9.4797% | 2,529 |
| Retained earnings to average equity (ytd only) | 4.0577% | 2,935 |
| Net charge-offs to loans | 0.1279% | 1,492 |
| Credit loss provision to net charge-offs | 86.9211% | 2,697 |
| Earnings coverage of net charge-offs (x) | 19.6535% | 1,983 |
| Efficiency ratio | 71.0518% | 2,018 |
| Assets per employee ($millions) | 3.7802% | 4,170 |
| Cash dividends to net income (ytd only)* | 57.1962% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7535% | 4,441 |
| Loan loss allowance to noncurrent loans | 310.7957% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 3,772 |
| Noncurrent loans to loans | 0.2424% | 3,581 |
| Net loans and leases to total assets | 59.4480% | 3,635 |
| Net loans and leases to deposits | 68.2986% | 3,794 |
| Net loans and leases to core deposits | 68.4273% | 4,056 |
| Total domestic deposits to total assets | 87.0413% | 1,585 |
| Equity capital to assets | 11.6096% | 2,422 |
| Core capital (leverage) ratio | 10.5703% | 2,883 |
| Tier 1 risk-based capital ratio | 16.1383% | 2,357 |
| Total risk-based capital ratio | 16.8756% | 2,471 |
| Memoranda: | ||
| Average total assets | $2,992,852,800 | 313 |
| Average earning assets | $2,694,283,600 | 316 |
| Average equity | $350,422,000 | 311 |
| Average total loans | $1,822,817,600 | 348 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 3,850 |
| Cost of funding earning assets | 0.2946% | 4,810 |
| Net interest margin | 3.9390% | 2,139 |
| Noninterest income to average assets | 1.7431% | 328 |
| Noninterest expense to average assets | 3.7674% | 685 |
| Loan and lease loss provision to assets | 0.0982% | 1,951 |
| Net operating income to assets | 1.0691% | 2,691 |
| Return on assets (ROA) | 1.0691% | 2,779 |
| Pretax return on assets | 1.4197% | 2,231 |
| Return on Equity (ROE) | 9.1111% | 2,841 |
| Retained earnings to average equity (ytd only) | 3.6610% | 3,572 |
| Net charge-offs to loans | 0.1525% | 1,079 |
| Credit loss provision to net charge-offs | 105.2429% | 2,162 |
| Earnings coverage of net charge-offs (x) | 16.2679% | 2,147 |
| Efficiency ratio | 71.2809% | 1,925 |
| Assets per employee ($millions) | 3.5816% | 4,419 |
| Cash dividends to net income (ytd only)* | 59.8187% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7779% | 4,465 |
| Loan loss allowance to noncurrent loans | 290.3285% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 3,822 |
| Noncurrent loans to loans | 0.2679% | 3,581 |
| Net loans and leases to total assets | 62.7277% | 3,417 |
| Net loans and leases to deposits | 72.6363% | 3,582 |
| Net loans and leases to core deposits | 72.7909% | 3,901 |
| Total domestic deposits to total assets | 86.3587% | 1,841 |
| Equity capital to assets | 12.1911% | 2,118 |
| Core capital (leverage) ratio | 10.4985% | 3,101 |
| Tier 1 risk-based capital ratio | 15.9476% | 2,451 |
| Total risk-based capital ratio | 16.7096% | 2,589 |
| Memoranda: | ||
| Average total assets | $2,970,841,000 | 319 |
| Average earning assets | $2,671,515,750 | 320 |
| Average equity | $348,607,500 | 315 |
| Average total loans | $1,817,162,500 | 353 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 3,948 |
| Cost of funding earning assets | 0.3151% | 4,788 |
| Net interest margin | 3.8759% | 2,323 |
| Noninterest income to average assets | 1.6665% | 340 |
| Noninterest expense to average assets | 3.7377% | 715 |
| Loan and lease loss provision to assets | 0.0945% | 1,965 |
| Net operating income to assets | 1.0026% | 2,912 |
| Return on assets (ROA) | 1.0026% | 2,979 |
| Pretax return on assets | 1.3218% | 2,468 |
| Return on Equity (ROE) | 8.6532% | 3,000 |
| Retained earnings to average equity (ytd only) | 3.1696% | 3,639 |
| Net charge-offs to loans | 0.1139% | 1,284 |
| Credit loss provision to net charge-offs | 137.1845% | 1,597 |
| Earnings coverage of net charge-offs (x) | 20.5612% | 1,764 |
| Efficiency ratio | 72.5197% | 1,839 |
| Assets per employee ($millions) | 3.7529% | 4,177 |
| Cash dividends to net income (ytd only)* | 63.3714% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 4,469 |
| Loan loss allowance to noncurrent loans | 259.4311% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 3,687 |
| Noncurrent loans to loans | 0.3049% | 3,454 |
| Net loans and leases to total assets | 61.1214% | 3,636 |
| Net loans and leases to deposits | 70.4289% | 3,804 |
| Net loans and leases to core deposits | 70.5740% | 4,086 |
| Total domestic deposits to total assets | 86.7845% | 1,691 |
| Equity capital to assets | 11.7056% | 2,442 |
| Core capital (leverage) ratio | 10.1484% | 3,446 |
| Tier 1 risk-based capital ratio | 15.6129% | 2,580 |
| Total risk-based capital ratio | 16.3836% | 2,704 |
| Memoranda: | ||
| Average total assets | $2,990,520,000 | 320 |
| Average earning assets | $2,690,909,330 | 322 |
| Average equity | $346,482,670 | 318 |
| Average total loans | $1,809,274,330 | 356 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 4,061 |
| Cost of funding earning assets | 0.3243% | 4,758 |
| Net interest margin | 3.8013% | 2,522 |
| Noninterest income to average assets | 1.6326% | 332 |
| Noninterest expense to average assets | 3.7021% | 753 |
| Loan and lease loss provision to assets | 0.1027% | 1,718 |
| Net operating income to assets | 0.9425% | 3,079 |
| Return on assets (ROA) | 0.9425% | 3,122 |
| Pretax return on assets | 1.2468% | 2,643 |
| Return on Equity (ROE) | 8.1767% | 3,180 |
| Retained earnings to average equity (ytd only) | 2.6605% | 3,867 |
| Net charge-offs to loans | 0.1911% | 727 |
| Credit loss provision to net charge-offs | 89.6028% | 1,720 |
| Earnings coverage of net charge-offs (x) | 11.7780% | 1,893 |
| Efficiency ratio | 73.2856% | 1,845 |
| Assets per employee ($millions) | 3.8124% | 4,171 |
| Cash dividends to net income (ytd only)* | 67.4620% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 4,569 |
| Loan loss allowance to noncurrent loans | 279.6593% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 3,704 |
| Noncurrent loans to loans | 0.2802% | 3,558 |
| Net loans and leases to total assets | 58.9039% | 3,796 |
| Net loans and leases to deposits | 67.5369% | 3,955 |
| Net loans and leases to core deposits | 67.6799% | 4,199 |
| Total domestic deposits to total assets | 87.2174% | 1,704 |
| Equity capital to assets | 11.4035% | 2,485 |
| Core capital (leverage) ratio | 10.0784% | 3,517 |
| Tier 1 risk-based capital ratio | 15.6436% | 2,586 |
| Total risk-based capital ratio | 16.3991% | 2,728 |
| Memoranda: | ||
| Average total assets | $2,988,371,500 | 324 |
| Average earning assets | $2,687,818,500 | 325 |
| Average equity | $344,443,000 | 324 |
| Average total loans | $1,791,378,000 | 360 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 4,338 |
| Cost of funding earning assets | 0.1793% | 5,077 |
| Net interest margin | 3.6916% | 3,066 |
| Noninterest income to average assets | 1.8139% | 307 |
| Noninterest expense to average assets | 3.8443% | 647 |
| Loan and lease loss provision to assets | 0.1014% | 2,164 |
| Net operating income to assets | 1.0093% | 2,963 |
| Return on assets (ROA) | 1.0093% | 2,950 |
| Pretax return on assets | 1.1594% | 3,065 |
| Return on Equity (ROE) | 8.7682% | 3,112 |
| Retained earnings to average equity (ytd only) | 4.2437% | 3,218 |
| Net charge-offs to loans | 0.1170% | 1,579 |
| Credit loss provision to net charge-offs | 144.7473% | 1,879 |
| Earnings coverage of net charge-offs (x) | 17.9941% | 2,164 |
| Efficiency ratio | 75.3032% | 1,453 |
| Assets per employee ($millions) | 3.7289% | 4,285 |
| Cash dividends to net income (ytd only)* | 51.6014% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 4,543 |
| Loan loss allowance to noncurrent loans | 206.7210% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 3,325 |
| Noncurrent loans to loans | 0.3859% | 3,154 |
| Net loans and leases to total assets | 60.0558% | 3,768 |
| Net loans and leases to deposits | 69.0794% | 3,895 |
| Net loans and leases to core deposits | 69.2307% | 4,153 |
| Total domestic deposits to total assets | 86.9373% | 1,806 |
| Equity capital to assets | 11.6526% | 2,138 |
| Core capital (leverage) ratio | 10.5253% | 2,996 |
| Tier 1 risk-based capital ratio | 15.8184% | 2,490 |
| Total risk-based capital ratio | 16.5935% | 2,606 |
| Memoranda: | ||
| Average total assets | $2,880,047,800 | 331 |
| Average earning assets | $2,567,748,600 | 333 |
| Average equity | $331,527,000 | 328 |
| Average total loans | $1,724,183,000 | 366 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8174% | 4,397 |
| Cost of funding earning assets | 0.1664% | 5,161 |
| Net interest margin | 3.6509% | 3,199 |
| Noninterest income to average assets | 1.7304% | 346 |
| Noninterest expense to average assets | 3.8562% | 622 |
| Loan and lease loss provision to assets | 0.1147% | 1,766 |
| Net operating income to assets | 0.9201% | 3,432 |
| Return on assets (ROA) | 0.9201% | 3,434 |
| Pretax return on assets | 1.0103% | 3,691 |
| Return on Equity (ROE) | 8.0180% | 3,542 |
| Retained earnings to average equity (ytd only) | 3.4547% | 4,044 |
| Net charge-offs to loans | 0.1210% | 1,300 |
| Credit loss provision to net charge-offs | 158.7629% | 1,633 |
| Earnings coverage of net charge-offs (x) | 15.5728% | 2,212 |
| Efficiency ratio | 77.4162% | 1,185 |
| Assets per employee ($millions) | 3.5390% | 4,512 |
| Cash dividends to net income (ytd only)* | 56.9131% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,630 |
| Loan loss allowance to noncurrent loans | 207.0326% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 3,302 |
| Noncurrent loans to loans | 0.3854% | 3,275 |
| Net loans and leases to total assets | 63.0726% | 3,531 |
| Net loans and leases to deposits | 73.1210% | 3,669 |
| Net loans and leases to core deposits | 73.3258% | 3,992 |
| Total domestic deposits to total assets | 86.2579% | 2,077 |
| Equity capital to assets | 11.8578% | 2,000 |
| Core capital (leverage) ratio | 10.4055% | 3,185 |
| Tier 1 risk-based capital ratio | 15.3237% | 2,730 |
| Total risk-based capital ratio | 16.0897% | 2,872 |
| Memoranda: | ||
| Average total assets | $2,864,542,250 | 332 |
| Average earning assets | $2,550,552,000 | 335 |
| Average equity | $328,702,000 | 324 |
| Average total loans | $1,709,955,250 | 367 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 4,561 |
| Cost of funding earning assets | 0.1568% | 5,218 |
| Net interest margin | 3.5531% | 3,460 |
| Noninterest income to average assets | 1.6778% | 361 |
| Noninterest expense to average assets | 3.7966% | 674 |
| Loan and lease loss provision to assets | 0.1081% | 1,814 |
| Net operating income to assets | 0.9063% | 3,431 |
| Return on assets (ROA) | 0.9063% | 3,438 |
| Pretax return on assets | 0.9354% | 3,859 |
| Return on Equity (ROE) | 7.9845% | 3,513 |
| Retained earnings to average equity (ytd only) | 3.4041% | 3,873 |
| Net charge-offs to loans | 0.1547% | 1,002 |
| Credit loss provision to net charge-offs | 119.6319% | 1,804 |
| Earnings coverage of net charge-offs (x) | 11.5445% | 2,261 |
| Efficiency ratio | 78.4395% | 1,168 |
| Assets per employee ($millions) | 3.7294% | 4,316 |
| Cash dividends to net income (ytd only)* | 57.3658% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 4,745 |
| Loan loss allowance to noncurrent loans | 236.2069% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 3,496 |
| Noncurrent loans to loans | 0.3314% | 3,513 |
| Net loans and leases to total assets | 60.0235% | 3,808 |
| Net loans and leases to deposits | 68.9816% | 3,950 |
| Net loans and leases to core deposits | 69.1550% | 4,193 |
| Total domestic deposits to total assets | 87.0138% | 1,835 |
| Equity capital to assets | 11.5153% | 2,188 |
| Core capital (leverage) ratio | 10.1833% | 3,378 |
| Tier 1 risk-based capital ratio | 15.4884% | 2,640 |
| Total risk-based capital ratio | 16.2349% | 2,803 |
| Memoranda: | ||
| Average total assets | $2,885,106,000 | 329 |
| Average earning assets | $2,567,866,000 | 332 |
| Average equity | $327,484,000 | 322 |
| Average total loans | $1,685,923,330 | 373 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 4,700 |
| Cost of funding earning assets | 0.1465% | 5,285 |
| Net interest margin | 3.4562% | 3,687 |
| Noninterest income to average assets | 1.6321% | 371 |
| Noninterest expense to average assets | 3.7125% | 745 |
| Loan and lease loss provision to assets | 0.1029% | 1,803 |
| Net operating income to assets | 0.8881% | 3,345 |
| Return on assets (ROA) | 0.8881% | 3,355 |
| Pretax return on assets | 0.8931% | 3,873 |
| Return on Equity (ROE) | 7.8806% | 3,429 |
| Retained earnings to average equity (ytd only) | 3.2839% | 3,892 |
| Net charge-offs to loans | 0.1910% | 773 |
| Credit loss provision to net charge-offs | 93.8287% | 1,643 |
| Earnings coverage of net charge-offs (x) | 9.0806% | 1,994 |
| Efficiency ratio | 78.8470% | 1,275 |
| Assets per employee ($millions) | 3.7242% | 4,389 |
| Cash dividends to net income (ytd only)* | 58.3294% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 4,801 |
| Loan loss allowance to noncurrent loans | 181.2192% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 3,370 |
| Noncurrent loans to loans | 0.4389% | 3,213 |
| Net loans and leases to total assets | 56.8481% | 4,042 |
| Net loans and leases to deposits | 65.3993% | 4,133 |
| Net loans and leases to core deposits | 65.5629% | 4,339 |
| Total domestic deposits to total assets | 86.9245% | 2,157 |
| Equity capital to assets | 11.2462% | 2,350 |
| Core capital (leverage) ratio | 9.9656% | 3,571 |
| Tier 1 risk-based capital ratio | 15.6924% | 2,595 |
| Total risk-based capital ratio | 16.4395% | 2,725 |
| Memoranda: | ||
| Average total assets | $2,895,587,500 | 326 |
| Average earning assets | $2,577,417,000 | 331 |
| Average equity | $326,318,500 | 327 |
| Average total loans | $1,662,524,500 | 377 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4692% | 4,835 |
| Cost of funding earning assets | 0.0873% | 5,535 |
| Net interest margin | 3.3819% | 3,903 |
| Noninterest income to average assets | 1.7905% | 349 |
| Noninterest expense to average assets | 3.7766% | 711 |
| Loan and lease loss provision to assets | 0.0783% | 2,629 |
| Net operating income to assets | 0.5062% | 4,358 |
| Return on assets (ROA) | 0.5062% | 4,393 |
| Pretax return on assets | 0.9317% | 3,802 |
| Return on Equity (ROE) | 4.4039% | 4,378 |
| Retained earnings to average equity (ytd only) | 0.7124% | 4,754 |
| Net charge-offs to loans | 0.1446% | 1,632 |
| Credit loss provision to net charge-offs | 94.6986% | 2,707 |
| Earnings coverage of net charge-offs (x) | 12.2133% | 2,492 |
| Efficiency ratio | 78.8990% | 1,236 |
| Assets per employee ($millions) | 3.6815% | 4,461 |
| Cash dividends to net income (ytd only)* | 83.8223% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 4,817 |
| Loan loss allowance to noncurrent loans | 185.7482% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 3,322 |
| Noncurrent loans to loans | 0.4320% | 3,238 |
| Net loans and leases to total assets | 57.0671% | 4,105 |
| Net loans and leases to deposits | 65.9986% | 4,191 |
| Net loans and leases to core deposits | 66.1652% | 4,403 |
| Total domestic deposits to total assets | 86.4671% | 2,241 |
| Equity capital to assets | 11.2930% | 2,370 |
| Core capital (leverage) ratio | 10.1429% | 3,254 |
| Tier 1 risk-based capital ratio | 15.8265% | 2,500 |
| Total risk-based capital ratio | 16.5902% | 2,625 |
| Memoranda: | ||
| Average total assets | $2,828,317,400 | 317 |
| Average earning assets | $2,505,766,400 | 320 |
| Average equity | $325,076,000 | 318 |
| Average total loans | $1,618,097,600 | 370 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4405% | 4,906 |
| Cost of funding earning assets | 0.0811% | 5,618 |
| Net interest margin | 3.3594% | 3,984 |
| Noninterest income to average assets | 1.8040% | 363 |
| Noninterest expense to average assets | 3.8110% | 662 |
| Loan and lease loss provision to assets | 0.0658% | 2,754 |
| Net operating income to assets | 0.5850% | 4,436 |
| Return on assets (ROA) | 0.5850% | 4,476 |
| Pretax return on assets | 0.9013% | 4,040 |
| Return on Equity (ROE) | 5.0675% | 4,511 |
| Retained earnings to average equity (ytd only) | 1.3749% | 4,856 |
| Net charge-offs to loans | 0.1228% | 1,561 |
| Credit loss provision to net charge-offs | 93.7880% | 2,405 |
| Earnings coverage of net charge-offs (x) | 13.7859% | 2,337 |
| Efficiency ratio | 79.7595% | 1,132 |
| Assets per employee ($millions) | 3.4653% | 4,776 |
| Cash dividends to net income (ytd only)* | 72.8686% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 4,856 |
| Loan loss allowance to noncurrent loans | 203.2145% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 3,220 |
| Noncurrent loans to loans | 0.4007% | 3,509 |
| Net loans and leases to total assets | 58.6837% | 3,994 |
| Net loans and leases to deposits | 68.4566% | 4,082 |
| Net loans and leases to core deposits | 68.6584% | 4,323 |
| Total domestic deposits to total assets | 85.7239% | 2,421 |
| Equity capital to assets | 11.8159% | 2,100 |
| Core capital (leverage) ratio | 10.1827% | 3,332 |
| Tier 1 risk-based capital ratio | 15.7478% | 2,610 |
| Total risk-based capital ratio | 16.5182% | 2,743 |
| Memoranda: | ||
| Average total assets | $2,814,752,750 | 322 |
| Average earning assets | $2,491,950,500 | 321 |
| Average equity | $324,962,750 | 315 |
| Average total loans | $1,608,044,750 | 370 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3498% | 5,032 |
| Cost of funding earning assets | 0.0710% | 5,678 |
| Net interest margin | 3.2789% | 4,175 |
| Noninterest income to average assets | 1.7570% | 385 |
| Noninterest expense to average assets | 3.8033% | 667 |
| Loan and lease loss provision to assets | 0.0635% | 2,700 |
| Net operating income to assets | 0.5160% | 4,665 |
| Return on assets (ROA) | 0.5160% | 4,697 |
| Pretax return on assets | 0.7927% | 4,295 |
| Return on Equity (ROE) | 4.5036% | 4,663 |
| Retained earnings to average equity (ytd only) | 0.8025% | 4,892 |
| Net charge-offs to loans | 0.1362% | 1,343 |
| Credit loss provision to net charge-offs | 82.6287% | 2,230 |
| Earnings coverage of net charge-offs (x) | 11.1360% | 2,295 |
| Efficiency ratio | 81.6243% | 1,042 |
| Assets per employee ($millions) | 3.4738% | 4,759 |
| Cash dividends to net income (ytd only)* | 82.1805% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 4,917 |
| Loan loss allowance to noncurrent loans | 166.1689% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 2,854 |
| Noncurrent loans to loans | 0.4891% | 3,284 |
| Net loans and leases to total assets | 57.8668% | 4,052 |
| Net loans and leases to deposits | 67.4825% | 4,110 |
| Net loans and leases to core deposits | 67.6614% | 4,368 |
| Total domestic deposits to total assets | 85.7508% | 2,500 |
| Equity capital to assets | 11.6421% | 2,198 |
| Core capital (leverage) ratio | 9.9631% | 3,580 |
| Tier 1 risk-based capital ratio | 15.2249% | 2,834 |
| Total risk-based capital ratio | 15.9701% | 2,982 |
| Memoranda: | ||
| Average total assets | $2,830,090,000 | 327 |
| Average earning assets | $2,505,312,670 | 325 |
| Average equity | $324,232,670 | 316 |
| Average total loans | $1,598,013,670 | 377 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2480% | 5,177 |
| Cost of funding earning assets | 0.0628% | 5,763 |
| Net interest margin | 3.1852% | 4,389 |
| Noninterest income to average assets | 1.7101% | 393 |
| Noninterest expense to average assets | 3.7789% | 697 |
| Loan and lease loss provision to assets | 0.0435% | 2,928 |
| Net operating income to assets | 0.4667% | 4,717 |
| Return on assets (ROA) | 0.4667% | 4,741 |
| Pretax return on assets | 0.7161% | 4,395 |
| Return on Equity (ROE) | 4.1066% | 4,746 |
| Retained earnings to average equity (ytd only) | 0.4003% | 4,829 |
| Net charge-offs to loans | 0.1026% | 1,352 |
| Credit loss provision to net charge-offs | 76.3547% | 1,780 |
| Earnings coverage of net charge-offs (x) | 13.3251% | 1,790 |
| Efficiency ratio | 83.2622% | 1,039 |
| Assets per employee ($millions) | 3.5609% | 4,701 |
| Cash dividends to net income (ytd only)* | 90.2527% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 4,963 |
| Loan loss allowance to noncurrent loans | 160.6046% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,777 |
| Noncurrent loans to loans | 0.5214% | 3,252 |
| Net loans and leases to total assets | 54.9514% | 4,257 |
| Net loans and leases to deposits | 63.7674% | 4,322 |
| Net loans and leases to core deposits | 64.0149% | 4,535 |
| Total domestic deposits to total assets | 86.1748% | 2,592 |
| Equity capital to assets | 11.2781% | 2,366 |
| Core capital (leverage) ratio | 9.8190% | 3,733 |
| Tier 1 risk-based capital ratio | 15.4799% | 2,762 |
| Total risk-based capital ratio | 16.2463% | 2,893 |
| Memoranda: | ||
| Average total assets | $2,848,681,000 | 326 |
| Average earning assets | $2,529,561,000 | 330 |
| Average equity | $323,773,000 | 314 |
| Average total loans | $1,582,316,000 | 380 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3270% | 5,121 |
| Cost of funding earning assets | 0.0681% | 5,809 |
| Net interest margin | 3.2588% | 4,272 |
| Noninterest income to average assets | 1.7226% | 409 |
| Noninterest expense to average assets | 3.9068% | 681 |
| Loan and lease loss provision to assets | 0.0296% | 3,766 |
| Net operating income to assets | 0.3902% | 4,977 |
| Return on assets (ROA) | 0.3903% | 5,057 |
| Pretax return on assets | 0.6560% | 4,634 |
| Return on Equity (ROE) | 3.3107% | 5,070 |
| Retained earnings to average equity (ytd only) | 0.4630% | 5,139 |
| Net charge-offs to loans | 0.0871% | 2,452 |
| Credit loss provision to net charge-offs | 61.0738% | 3,226 |
| Earnings coverage of net charge-offs (x) | 14.1588% | 2,309 |
| Efficiency ratio | 85.0739% | 897 |
| Assets per employee ($millions) | 3.4435% | 4,837 |
| Cash dividends to net income (ytd only)* | 86.0155% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 4,947 |
| Loan loss allowance to noncurrent loans | 153.7959% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 2,654 |
| Noncurrent loans to loans | 0.5555% | 3,179 |
| Net loans and leases to total assets | 55.2024% | 4,332 |
| Net loans and leases to deposits | 64.2495% | 4,394 |
| Net loans and leases to core deposits | 64.4960% | 4,610 |
| Total domestic deposits to total assets | 85.9188% | 2,620 |
| Equity capital to assets | 11.4549% | 2,206 |
| Core capital (leverage) ratio | 10.1772% | 3,258 |
| Tier 1 risk-based capital ratio | 15.4378% | 2,769 |
| Total risk-based capital ratio | 16.2092% | 2,918 |
| Memoranda: | ||
| Average total assets | $2,770,016,200 | 315 |
| Average earning assets | $2,439,266,400 | 327 |
| Average equity | $326,578,000 | 302 |
| Average total loans | $1,538,787,000 | 367 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3172% | 5,188 |
| Cost of funding earning assets | 0.0706% | 5,871 |
| Net interest margin | 3.2466% | 4,354 |
| Noninterest income to average assets | 1.7236% | 422 |
| Noninterest expense to average assets | 3.9714% | 612 |
| Loan and lease loss provision to assets | 0.0172% | 3,901 |
| Net operating income to assets | 0.3905% | 5,050 |
| Return on assets (ROA) | 0.3907% | 5,140 |
| Pretax return on assets | 0.5908% | 4,903 |
| Return on Equity (ROE) | 3.2897% | 5,148 |
| Retained earnings to average equity (ytd only) | 0.6830% | 5,179 |
| Net charge-offs to loans | 0.0491% | 2,671 |
| Credit loss provision to net charge-offs | 62.9433% | 2,877 |
| Earnings coverage of net charge-offs (x) | 22.2784% | 1,768 |
| Efficiency ratio | 86.7280% | 760 |
| Assets per employee ($millions) | 3.2909% | 5,057 |
| Cash dividends to net income (ytd only)* | 79.2374% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,950 |
| Loan loss allowance to noncurrent loans | 159.3692% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 2,599 |
| Noncurrent loans to loans | 0.5500% | 3,348 |
| Net loans and leases to total assets | 56.9030% | 4,208 |
| Net loans and leases to deposits | 66.6658% | 4,284 |
| Net loans and leases to core deposits | 66.9037% | 4,549 |
| Total domestic deposits to total assets | 85.3557% | 2,658 |
| Equity capital to assets | 12.0289% | 2,098 |
| Core capital (leverage) ratio | 10.1967% | 3,333 |
| Tier 1 risk-based capital ratio | 15.6062% | 2,790 |
| Total risk-based capital ratio | 16.4056% | 2,907 |
| Memoranda: | ||
| Average total assets | $2,756,597,000 | 315 |
| Average earning assets | $2,424,564,250 | 326 |
| Average equity | $327,360,000 | 300 |
| Average total loans | $1,530,439,750 | 367 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2975% | 5,292 |
| Cost of funding earning assets | 0.0717% | 5,949 |
| Net interest margin | 3.2257% | 4,465 |
| Noninterest income to average assets | 1.6778% | 444 |
| Noninterest expense to average assets | 3.9720% | 615 |
| Loan and lease loss provision to assets | 0.0257% | 3,623 |
| Net operating income to assets | 0.3461% | 5,190 |
| Return on assets (ROA) | 0.3462% | 5,270 |
| Pretax return on assets | 0.5262% | 5,088 |
| Return on Equity (ROE) | 2.9276% | 5,263 |
| Retained earnings to average equity (ytd only) | 0.4196% | 5,174 |
| Net charge-offs to loans | 0.0831% | 2,017 |
| Credit loss provision to net charge-offs | 56.2599% | 2,616 |
| Earnings coverage of net charge-offs (x) | 12.0887% | 2,207 |
| Efficiency ratio | 87.8030% | 733 |
| Assets per employee ($millions) | 3.2687% | 5,115 |
| Cash dividends to net income (ytd only)* | 85.6665% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 4,980 |
| Loan loss allowance to noncurrent loans | 166.4274% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 2,512 |
| Noncurrent loans to loans | 0.5362% | 3,471 |
| Net loans and leases to total assets | 55.3178% | 4,378 |
| Net loans and leases to deposits | 64.9686% | 4,427 |
| Net loans and leases to core deposits | 65.1781% | 4,670 |
| Total domestic deposits to total assets | 85.1454% | 2,801 |
| Equity capital to assets | 11.9559% | 2,158 |
| Core capital (leverage) ratio | 10.0223% | 3,539 |
| Tier 1 risk-based capital ratio | 15.8617% | 2,707 |
| Total risk-based capital ratio | 16.6740% | 2,826 |
| Memoranda: | ||
| Average total assets | $2,764,979,000 | 313 |
| Average earning assets | $2,439,386,330 | 322 |
| Average equity | $326,958,670 | 297 |
| Average total loans | $1,517,912,330 | 369 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2743% | 5,365 |
| Cost of funding earning assets | 0.0730% | 6,009 |
| Net interest margin | 3.2013% | 4,575 |
| Noninterest income to average assets | 1.6508% | 441 |
| Noninterest expense to average assets | 3.9743% | 624 |
| Loan and lease loss provision to assets | 0.0652% | 2,654 |
| Net operating income to assets | 0.2860% | 5,341 |
| Return on assets (ROA) | 0.2860% | 5,420 |
| Pretax return on assets | 0.4365% | 5,234 |
| Return on Equity (ROE) | 2.4321% | 5,392 |
| Retained earnings to average equity (ytd only) | -0.3874% | 5,186 |
| Net charge-offs to loans | 0.2095% | 959 |
| Credit loss provision to net charge-offs | 57.1429% | 1,994 |
| Earnings coverage of net charge-offs (x) | 4.3995% | 2,440 |
| Efficiency ratio | 88.7915% | 760 |
| Assets per employee ($millions) | 3.2749% | 5,167 |
| Cash dividends to net income (ytd only)* | 115.9274% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 5,067 |
| Loan loss allowance to noncurrent loans | 150.4309% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 2,313 |
| Noncurrent loans to loans | 0.5965% | 3,394 |
| Net loans and leases to total assets | 54.2735% | 4,428 |
| Net loans and leases to deposits | 65.0631% | 4,336 |
| Net loans and leases to core deposits | 65.3105% | 4,593 |
| Total domestic deposits to total assets | 83.4167% | 3,747 |
| Equity capital to assets | 11.7917% | 2,164 |
| Core capital (leverage) ratio | 9.9719% | 3,570 |
| Tier 1 risk-based capital ratio | 15.8149% | 2,775 |
| Total risk-based capital ratio | 16.6260% | 2,919 |
| Memoranda: | ||
| Average total assets | $2,774,633,500 | 310 |
| Average earning assets | $2,448,637,500 | 315 |
| Average equity | $326,303,000 | 298 |
| Average total loans | $1,510,608,500 | 369 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 5,075 |
| Cost of funding earning assets | 0.0837% | 6,021 |
| Net interest margin | 3.3551% | 4,092 |
| Noninterest income to average assets | 1.9159% | 379 |
| Noninterest expense to average assets | 4.2022% | 541 |
| Loan and lease loss provision to assets | 0.0600% | 3,104 |
| Net operating income to assets | 0.3971% | 5,061 |
| Return on assets (ROA) | 0.3973% | 5,138 |
| Pretax return on assets | 0.5779% | 4,911 |
| Return on Equity (ROE) | 3.2388% | 5,218 |
| Retained earnings to average equity (ytd only) | 0.4169% | 5,350 |
| Net charge-offs to loans | 0.3508% | 844 |
| Credit loss provision to net charge-offs | 30.7722% | 3,646 |
| Earnings coverage of net charge-offs (x) | 3.2720% | 3,751 |
| Efficiency ratio | 86.8249% | 925 |
| Assets per employee ($millions) | 3.2161% | 5,275 |
| Cash dividends to net income (ytd only)* | 87.1295% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 4,983 |
| Loan loss allowance to noncurrent loans | 135.3609% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 2,058 |
| Noncurrent loans to loans | 0.6854% | 3,142 |
| Net loans and leases to total assets | 53.6210% | 4,538 |
| Net loans and leases to deposits | 64.2311% | 4,454 |
| Net loans and leases to core deposits | 64.5142% | 4,706 |
| Total domestic deposits to total assets | 83.4814% | 3,682 |
| Equity capital to assets | 11.7289% | 2,172 |
| Core capital (leverage) ratio | 10.3260% | 3,130 |
| Tier 1 risk-based capital ratio | 15.9340% | 2,719 |
| Total risk-based capital ratio | 16.7694% | 2,859 |
| Memoranda: | ||
| Average total assets | $2,658,019,800 | 305 |
| Average earning assets | $2,316,414,200 | 314 |
| Average equity | $326,012,600 | 280 |
| Average total loans | $1,476,431,400 | 356 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4481% | 5,101 |
| Cost of funding earning assets | 0.0866% | 6,104 |
| Net interest margin | 3.3615% | 4,100 |
| Noninterest income to average assets | 1.9676% | 367 |
| Noninterest expense to average assets | 4.2881% | 496 |
| Loan and lease loss provision to assets | 0.0549% | 3,097 |
| Net operating income to assets | 0.3835% | 5,218 |
| Return on assets (ROA) | 0.3837% | 5,300 |
| Pretax return on assets | 0.5459% | 5,109 |
| Return on Equity (ROE) | 3.0924% | 5,355 |
| Retained earnings to average equity (ytd only) | 0.2707% | 5,527 |
| Net charge-offs to loans | 0.3524% | 748 |
| Credit loss provision to net charge-offs | 27.8579% | 3,294 |
| Earnings coverage of net charge-offs (x) | 3.0476% | 3,564 |
| Efficiency ratio | 87.7150% | 873 |
| Assets per employee ($millions) | 3.0222% | 5,524 |
| Cash dividends to net income (ytd only)* | 91.2457% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 4,793 |
| Loan loss allowance to noncurrent loans | 112.1537% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.4776% | 1,526 |
| Noncurrent loans to loans | 0.8842% | 2,773 |
| Net loans and leases to total assets | 56.6777% | 4,281 |
| Net loans and leases to deposits | 68.9279% | 4,097 |
| Net loans and leases to core deposits | 69.2499% | 4,445 |
| Total domestic deposits to total assets | 82.2275% | 4,091 |
| Equity capital to assets | 12.5940% | 1,692 |
| Core capital (leverage) ratio | 10.4477% | 3,106 |
| Tier 1 risk-based capital ratio | 15.9635% | 2,815 |
| Total risk-based capital ratio | 16.8505% | 2,926 |
| Memoranda: | ||
| Average total assets | $2,627,855,750 | 313 |
| Average earning assets | $2,283,543,500 | 323 |
| Average equity | $326,039,000 | 286 |
| Average total loans | $1,469,562,500 | 358 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4239% | 5,173 |
| Cost of funding earning assets | 0.0889% | 6,169 |
| Net interest margin | 3.3350% | 4,158 |
| Noninterest income to average assets | 2.0032% | 371 |
| Noninterest expense to average assets | 4.2798% | 503 |
| Loan and lease loss provision to assets | 0.0506% | 3,110 |
| Net operating income to assets | 0.4162% | 5,093 |
| Return on assets (ROA) | 0.4164% | 5,193 |
| Pretax return on assets | 0.5658% | 5,061 |
| Return on Equity (ROE) | 3.3727% | 5,279 |
| Retained earnings to average equity (ytd only) | 0.5483% | 5,332 |
| Net charge-offs to loans | 0.4059% | 642 |
| Credit loss provision to net charge-offs | 22.4840% | 2,995 |
| Earnings coverage of net charge-offs (x) | 2.7361% | 3,295 |
| Efficiency ratio | 87.4143% | 949 |
| Assets per employee ($millions) | 3.0497% | 5,530 |
| Cash dividends to net income (ytd only)* | 83.7429% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 4,733 |
| Loan loss allowance to noncurrent loans | 99.4063% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.7266% | 1,371 |
| Noncurrent loans to loans | 1.0319% | 2,585 |
| Net loans and leases to total assets | 55.7897% | 4,361 |
| Net loans and leases to deposits | 67.3704% | 4,195 |
| Net loans and leases to core deposits | 67.6806% | 4,513 |
| Total domestic deposits to total assets | 82.8105% | 4,027 |
| Equity capital to assets | 12.4042% | 1,716 |
| Core capital (leverage) ratio | 10.3257% | 3,184 |
| Tier 1 risk-based capital ratio | 15.5306% | 3,084 |
| Total risk-based capital ratio | 16.4229% | 3,197 |
| Memoranda: | ||
| Average total assets | $2,638,443,000 | 312 |
| Average earning assets | $2,288,546,670 | 322 |
| Average equity | $325,735,000 | 288 |
| Average total loans | $1,464,035,330 | 355 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 5,242 |
| Cost of funding earning assets | 0.0886% | 6,242 |
| Net interest margin | 3.2938% | 4,250 |
| Noninterest income to average assets | 1.8132% | 414 |
| Noninterest expense to average assets | 4.3103% | 491 |
| Loan and lease loss provision to assets | 0.0445% | 3,033 |
| Net operating income to assets | 0.2054% | 5,672 |
| Return on assets (ROA) | 0.2056% | 5,761 |
| Pretax return on assets | 0.3129% | 5,618 |
| Return on Equity (ROE) | 1.6692% | 5,764 |
| Retained earnings to average equity (ytd only) | -1.1600% | 5,575 |
| Net charge-offs to loans | 0.4797% | 520 |
| Credit loss provision to net charge-offs | 16.8675% | 2,385 |
| Earnings coverage of net charge-offs (x) | 1.3523% | 2,929 |
| Efficiency ratio | 92.3491% | 687 |
| Assets per employee ($millions) | 3.0344% | 5,626 |
| Cash dividends to net income (ytd only)* | 169.4915% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 4,532 |
| Loan loss allowance to noncurrent loans | 95.7795% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.8941% | 1,280 |
| Noncurrent loans to loans | 1.1469% | 2,472 |
| Net loans and leases to total assets | 54.1921% | 4,420 |
| Net loans and leases to deposits | 64.9899% | 4,271 |
| Net loans and leases to core deposits | 65.2968% | 4,588 |
| Total domestic deposits to total assets | 83.3854% | 4,054 |
| Equity capital to assets | 12.1599% | 1,921 |
| Core capital (leverage) ratio | 10.3712% | 3,135 |
| Tier 1 risk-based capital ratio | 15.6235% | 3,092 |
| Total risk-based capital ratio | 16.5751% | 3,176 |
| Memoranda: | ||
| Average total assets | $2,640,200,000 | 309 |
| Average earning assets | $2,287,836,000 | 319 |
| Average equity | $325,181,000 | 290 |
| Average total loans | $1,453,425,000 | 355 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5230% | 5,268 |
| Cost of funding earning assets | 0.1014% | 6,322 |
| Net interest margin | 3.4216% | 4,100 |
| Noninterest income to average assets | 1.8817% | 375 |
| Noninterest expense to average assets | 4.2663% | 565 |
| Loan and lease loss provision to assets | 0.0742% | 3,001 |
| Net operating income to assets | 0.4180% | 5,162 |
| Return on assets (ROA) | 0.4181% | 5,230 |
| Pretax return on assets | 0.4993% | 5,254 |
| Return on Equity (ROE) | 3.2216% | 5,406 |
| Retained earnings to average equity (ytd only) | 1.4213% | 5,127 |
| Net charge-offs to loans | 0.5261% | 775 |
| Credit loss provision to net charge-offs | 25.5328% | 3,911 |
| Earnings coverage of net charge-offs (x) | 1.9740% | 4,287 |
| Efficiency ratio | 88.1251% | 988 |
| Assets per employee ($millions) | 2.9261% | 5,794 |
| Cash dividends to net income (ytd only)* | 55.8815% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 3,904 |
| Loan loss allowance to noncurrent loans | 104.5606% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 2.0119% | 1,265 |
| Noncurrent loans to loans | 1.1632% | 2,507 |
| Net loans and leases to total assets | 54.6394% | 4,499 |
| Net loans and leases to deposits | 65.8800% | 4,342 |
| Net loans and leases to core deposits | 66.2044% | 4,657 |
| Total domestic deposits to total assets | 82.9377% | 4,102 |
| Equity capital to assets | 12.4771% | 1,665 |
| Core capital (leverage) ratio | 10.6979% | 2,723 |
| Tier 1 risk-based capital ratio | 16.2372% | 2,842 |
| Total risk-based capital ratio | 17.3256% | 2,865 |
| Memoranda: | ||
| Average total assets | $2,568,237,000 | 296 |
| Average earning assets | $2,220,294,000 | 308 |
| Average equity | $333,284,200 | 269 |
| Average total loans | $1,418,105,400 | 345 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5159% | 5,357 |
| Cost of funding earning assets | 0.1045% | 6,400 |
| Net interest margin | 3.4114% | 4,189 |
| Noninterest income to average assets | 1.8906% | 380 |
| Noninterest expense to average assets | 4.3180% | 546 |
| Loan and lease loss provision to assets | 0.0668% | 3,012 |
| Net operating income to assets | 0.4191% | 5,179 |
| Return on assets (ROA) | 0.4191% | 5,256 |
| Pretax return on assets | 0.4562% | 5,452 |
| Return on Equity (ROE) | 3.1984% | 5,474 |
| Retained earnings to average equity (ytd only) | 1.1306% | 5,434 |
| Net charge-offs to loans | 0.4989% | 776 |
| Credit loss provision to net charge-offs | 24.2619% | 3,532 |
| Earnings coverage of net charge-offs (x) | 1.8993% | 4,043 |
| Efficiency ratio | 89.1620% | 911 |
| Assets per employee ($millions) | 2.7722% | 5,995 |
| Cash dividends to net income (ytd only)* | 64.6525% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 3,440 |
| Loan loss allowance to noncurrent loans | 80.8580% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.6335% | 972 |
| Noncurrent loans to loans | 1.6593% | 1,965 |
| Net loans and leases to total assets | 56.5874% | 4,256 |
| Net loans and leases to deposits | 68.4140% | 4,089 |
| Net loans and leases to core deposits | 68.7858% | 4,434 |
| Total domestic deposits to total assets | 82.7132% | 4,231 |
| Equity capital to assets | 13.5604% | 1,156 |
| Core capital (leverage) ratio | 10.6922% | 2,825 |
| Tier 1 risk-based capital ratio | 16.4565% | 2,828 |
| Total risk-based capital ratio | 17.6672% | 2,801 |
| Memoranda: | ||
| Average total assets | $2,558,512,000 | 295 |
| Average earning assets | $2,212,743,750 | 302 |
| Average equity | $335,281,500 | 266 |
| Average total loans | $1,412,116,250 | 341 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4521% | 5,514 |
| Cost of funding earning assets | 0.1071% | 6,462 |
| Net interest margin | 3.3450% | 4,427 |
| Noninterest income to average assets | 1.8533% | 394 |
| Noninterest expense to average assets | 4.2685% | 565 |
| Loan and lease loss provision to assets | 0.0664% | 2,937 |
| Net operating income to assets | 0.4474% | 5,031 |
| Return on assets (ROA) | 0.4474% | 5,104 |
| Pretax return on assets | 0.4119% | 5,523 |
| Return on Equity (ROE) | 3.4524% | 5,363 |
| Retained earnings to average equity (ytd only) | 0.8247% | 5,421 |
| Net charge-offs to loans | 0.4842% | 830 |
| Credit loss provision to net charge-offs | 25.1613% | 3,116 |
| Earnings coverage of net charge-offs (x) | 1.8123% | 3,706 |
| Efficiency ratio | 89.8722% | 931 |
| Assets per employee ($millions) | 2.8419% | 5,971 |
| Cash dividends to net income (ytd only)* | 76.1114% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 3,115 |
| Loan loss allowance to noncurrent loans | 79.9245% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 2.6786% | 1,003 |
| Noncurrent loans to loans | 1.8118% | 1,889 |
| Net loans and leases to total assets | 54.8442% | 4,428 |
| Net loans and leases to deposits | 65.7867% | 4,288 |
| Net loans and leases to core deposits | 66.1099% | 4,632 |
| Total domestic deposits to total assets | 83.3667% | 4,168 |
| Equity capital to assets | 13.1447% | 1,294 |
| Core capital (leverage) ratio | 10.4084% | 3,076 |
| Tier 1 risk-based capital ratio | 16.3960% | 2,882 |
| Total risk-based capital ratio | 17.6467% | 2,836 |
| Memoranda: | ||
| Average total assets | $2,584,320,670 | 289 |
| Average earning assets | $2,235,426,670 | 299 |
| Average equity | $334,893,670 | 264 |
| Average total loans | $1,408,463,330 | 336 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4142% | 5,615 |
| Cost of funding earning assets | 0.1099% | 6,534 |
| Net interest margin | 3.3044% | 4,516 |
| Noninterest income to average assets | 1.8637% | 380 |
| Noninterest expense to average assets | 4.2549% | 571 |
| Loan and lease loss provision to assets | 0.0552% | 3,010 |
| Net operating income to assets | 0.6202% | 4,101 |
| Return on assets (ROA) | 0.6202% | 4,181 |
| Pretax return on assets | 0.4157% | 5,404 |
| Return on Equity (ROE) | 4.8196% | 4,626 |
| Retained earnings to average equity (ytd only) | 3.0275% | 4,294 |
| Net charge-offs to loans | 0.3831% | 952 |
| Credit loss provision to net charge-offs | 26.7113% | 2,431 |
| Earnings coverage of net charge-offs (x) | 2.2790% | 2,917 |
| Efficiency ratio | 89.9317% | 1,042 |
| Assets per employee ($millions) | 2.9360% | 5,935 |
| Cash dividends to net income (ytd only)* | 37.1839% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 2,825 |
| Loan loss allowance to noncurrent loans | 63.8999% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 3.0095% | 950 |
| Noncurrent loans to loans | 2.4590% | 1,417 |
| Net loans and leases to total assets | 53.0035% | 4,539 |
| Net loans and leases to deposits | 63.6570% | 4,357 |
| Net loans and leases to core deposits | 63.9836% | 4,692 |
| Total domestic deposits to total assets | 83.2642% | 4,511 |
| Equity capital to assets | 12.8615% | 1,377 |
| Core capital (leverage) ratio | 10.4028% | 3,040 |
| Tier 1 risk-based capital ratio | 16.7371% | 2,794 |
| Total risk-based capital ratio | 17.9893% | 2,757 |
| Memoranda: | ||
| Average total assets | $2,601,882,000 | 284 |
| Average earning assets | $2,253,614,000 | 301 |
| Average equity | $334,798,500 | 260 |
| Average total loans | $1,403,379,500 | 337 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 4,966 |
| Cost of funding earning assets | 0.1369% | 6,585 |
| Net interest margin | 3.6158% | 3,392 |
| Noninterest income to average assets | 1.9733% | 395 |
| Noninterest expense to average assets | 4.5005% | 530 |
| Loan and lease loss provision to assets | 0.1354% | 2,617 |
| Net operating income to assets | 0.3091% | 5,491 |
| Return on assets (ROA) | 0.3092% | 5,586 |
| Pretax return on assets | 0.4247% | 5,427 |
| Return on Equity (ROE) | 2.5418% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.5418% | 4,442 |
| Net charge-offs to loans | 0.6569% | 989 |
| Credit loss provision to net charge-offs | 36.3789% | 4,117 |
| Earnings coverage of net charge-offs (x) | 1.5044% | 4,552 |
| Efficiency ratio | 88.7718% | 1,129 |
| Assets per employee ($millions) | 2.8915% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 2,565 |
| Loan loss allowance to noncurrent loans | 62.0867% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 3.2913% | 917 |
| Noncurrent loans to loans | 2.6576% | 1,389 |
| Net loans and leases to total assets | 53.1338% | 4,705 |
| Net loans and leases to deposits | 64.1444% | 4,492 |
| Net loans and leases to core deposits | 64.5084% | 4,822 |
| Total domestic deposits to total assets | 82.8347% | 4,597 |
| Equity capital to assets | 12.8737% | 1,336 |
| Core capital (leverage) ratio | 10.4789% | 2,943 |
| Tier 1 risk-based capital ratio | 16.5939% | 2,799 |
| Total risk-based capital ratio | 17.8469% | 2,770 |
| Memoranda: | ||
| Average total assets | $2,564,084,400 | 287 |
| Average earning assets | $2,189,158,000 | 298 |
| Average equity | $311,904,400 | 267 |
| Average total loans | $1,452,886,800 | 314 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,845 |
| Cost of funding earning assets | 0.1419% | 6,666 |
| Net interest margin | 3.6614% | 3,190 |
| Noninterest income to average assets | 1.9446% | 435 |
| Noninterest expense to average assets | 4.5256% | 507 |
| Loan and lease loss provision to assets | 0.1603% | 2,253 |
| Net operating income to assets | 0.2394% | 5,806 |
| Return on assets (ROA) | 0.2394% | 5,895 |
| Pretax return on assets | 0.3743% | 5,696 |
| Return on Equity (ROE) | 1.9971% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.9971% | 5,130 |
| Net charge-offs to loans | 0.6577% | 927 |
| Credit loss provision to net charge-offs | 42.5194% | 3,659 |
| Earnings coverage of net charge-offs (x) | 1.4179% | 4,363 |
| Efficiency ratio | 89.2675% | 1,058 |
| Assets per employee ($millions) | 2.7871% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 2,463 |
| Loan loss allowance to noncurrent loans | 59.9214% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 3.7987% | 857 |
| Noncurrent loans to loans | 2.9153% | 1,400 |
| Net loans and leases to total assets | 56.3911% | 4,266 |
| Net loans and leases to deposits | 69.1485% | 3,913 |
| Net loans and leases to core deposits | 69.6203% | 4,362 |
| Total domestic deposits to total assets | 81.5507% | 5,067 |
| Equity capital to assets | 12.3681% | 1,659 |
| Core capital (leverage) ratio | 10.1945% | 3,411 |
| Tier 1 risk-based capital ratio | 15.6446% | 3,376 |
| Total risk-based capital ratio | 16.8985% | 3,334 |
| Memoranda: | ||
| Average total assets | $2,557,413,750 | 292 |
| Average earning assets | $2,176,190,000 | 302 |
| Average equity | $306,498,750 | 270 |
| Average total loans | $1,466,191,250 | 315 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8139% | 4,781 |
| Cost of funding earning assets | 0.1464% | 6,724 |
| Net interest margin | 3.6674% | 3,092 |
| Noninterest income to average assets | 1.8603% | 495 |
| Noninterest expense to average assets | 4.4770% | 537 |
| Loan and lease loss provision to assets | 0.1955% | 1,945 |
| Net operating income to assets | 0.1969% | 5,901 |
| Return on assets (ROA) | 0.1969% | 6,026 |
| Pretax return on assets | 0.3076% | 5,860 |
| Return on Equity (ROE) | 1.6598% | 6,050 |
| Retained earnings to average equity (ytd only) | 1.6598% | 5,190 |
| Net charge-offs to loans | 0.5946% | 1,112 |
| Credit loss provision to net charge-offs | 57.3640% | 3,066 |
| Earnings coverage of net charge-offs (x) | 1.4762% | 4,044 |
| Efficiency ratio | 89.7201% | 1,069 |
| Assets per employee ($millions) | 2.8131% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8882% | 2,142 |
| Loan loss allowance to noncurrent loans | 65.1641% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 3.8174% | 951 |
| Noncurrent loans to loans | 2.8977% | 1,553 |
| Net loans and leases to total assets | 55.8284% | 4,323 |
| Net loans and leases to deposits | 68.0133% | 4,013 |
| Net loans and leases to core deposits | 68.3709% | 4,459 |
| Total domestic deposits to total assets | 82.0845% | 5,030 |
| Equity capital to assets | 12.0658% | 1,872 |
| Core capital (leverage) ratio | 10.0827% | 3,394 |
| Tier 1 risk-based capital ratio | 15.3743% | 3,547 |
| Total risk-based capital ratio | 16.6298% | 3,508 |
| Memoranda: | ||
| Average total assets | $2,578,398,000 | 290 |
| Average earning assets | $2,193,368,000 | 302 |
| Average equity | $305,825,670 | 270 |
| Average total loans | $1,477,700,330 | 313 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 4,734 |
| Cost of funding earning assets | 0.1530% | 6,789 |
| Net interest margin | 3.6720% | 2,980 |
| Noninterest income to average assets | 1.7840% | 509 |
| Noninterest expense to average assets | 4.4951% | 540 |
| Loan and lease loss provision to assets | 0.1648% | 2,218 |
| Net operating income to assets | 0.1652% | 5,995 |
| Return on assets (ROA) | 0.1652% | 6,098 |
| Pretax return on assets | 0.2476% | 5,968 |
| Return on Equity (ROE) | 1.4050% | 6,115 |
| Retained earnings to average equity (ytd only) | 1.4050% | 5,276 |
| Net charge-offs to loans | 0.6518% | 940 |
| Credit loss provision to net charge-offs | 43.9606% | 2,701 |
| Earnings coverage of net charge-offs (x) | 1.1002% | 3,472 |
| Efficiency ratio | 91.3832% | 1,036 |
| Assets per employee ($millions) | 2.8531% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 2,312 |
| Loan loss allowance to noncurrent loans | 61.0733% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 4.0257% | 986 |
| Noncurrent loans to loans | 3.1046% | 1,601 |
| Net loans and leases to total assets | 55.7122% | 4,135 |
| Net loans and leases to deposits | 67.6656% | 3,810 |
| Net loans and leases to core deposits | 68.0406% | 4,299 |
| Total domestic deposits to total assets | 82.3347% | 5,083 |
| Equity capital to assets | 11.8521% | 2,139 |
| Core capital (leverage) ratio | 9.8090% | 3,649 |
| Tier 1 risk-based capital ratio | 14.9467% | 3,880 |
| Total risk-based capital ratio | 16.2023% | 3,836 |
| Memoranda: | ||
| Average total assets | $2,597,470,000 | 292 |
| Average earning assets | $2,209,461,500 | 302 |
| Average equity | $305,488,000 | 275 |
| Average total loans | $1,493,811,500 | 311 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 5,046 |
| Cost of funding earning assets | 0.1767% | 6,876 |
| Net interest margin | 3.8958% | 2,846 |
| Noninterest income to average assets | 1.8539% | 488 |
| Noninterest expense to average assets | 4.5261% | 562 |
| Loan and lease loss provision to assets | 0.6238% | 867 |
| Net operating income to assets | 0.0656% | 6,066 |
| Return on assets (ROA) | 0.0656% | 6,213 |
| Pretax return on assets | 0.0144% | 6,263 |
| Return on Equity (ROE) | 0.5532% | 6,211 |
| Retained earnings to average equity (ytd only) | 0.5532% | 5,575 |
| Net charge-offs to loans | 1.1533% | 892 |
| Credit loss provision to net charge-offs | 89.6418% | 3,488 |
| Earnings coverage of net charge-offs (x) | 0.9172% | 5,013 |
| Efficiency ratio | 87.3199% | 1,298 |
| Assets per employee ($millions) | 2.8808% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 2,245 |
| Loan loss allowance to noncurrent loans | 45.3108% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 4.5083% | 919 |
| Noncurrent loans to loans | 4.2313% | 1,062 |
| Net loans and leases to total assets | 57.1067% | 4,108 |
| Net loans and leases to deposits | 69.2592% | 3,800 |
| Net loans and leases to core deposits | 69.7005% | 4,353 |
| Total domestic deposits to total assets | 82.4536% | 4,945 |
| Equity capital to assets | 11.6709% | 2,292 |
| Core capital (leverage) ratio | 9.9263% | 3,506 |
| Tier 1 risk-based capital ratio | 14.3866% | 4,104 |
| Total risk-based capital ratio | 15.6428% | 4,056 |
| Memoranda: | ||
| Average total assets | $2,591,481,000 | 279 |
| Average earning assets | $2,202,062,200 | 298 |
| Average equity | $307,325,600 | 268 |
| Average total loans | $1,563,680,200 | 296 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 5,115 |
| Cost of funding earning assets | 0.1826% | 6,978 |
| Net interest margin | 3.9372% | 2,769 |
| Noninterest income to average assets | 1.8069% | 491 |
| Noninterest expense to average assets | 4.5962% | 505 |
| Loan and lease loss provision to assets | 0.6908% | 738 |
| Net operating income to assets | -0.0554% | 6,347 |
| Return on assets (ROA) | -0.0554% | 6,462 |
| Pretax return on assets | -0.1350% | 6,504 |
| Return on Equity (ROE) | -0.4655% | 6,457 |
| Retained earnings to average equity (ytd only) | -0.4655% | 6,171 |
| Net charge-offs to loans | 1.2037% | 810 |
| Credit loss provision to net charge-offs | 94.2799% | 3,171 |
| Earnings coverage of net charge-offs (x) | 0.7585% | 4,946 |
| Efficiency ratio | 88.8893% | 1,121 |
| Assets per employee ($millions) | 2.6769% | 6,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9710% | 2,257 |
| Loan loss allowance to noncurrent loans | 40.7502% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 5.1536% | 853 |
| Noncurrent loans to loans | 4.8369% | 946 |
| Net loans and leases to total assets | 60.8334% | 3,604 |
| Net loans and leases to deposits | 73.8862% | 3,299 |
| Net loans and leases to core deposits | 74.4449% | 3,920 |
| Total domestic deposits to total assets | 82.3339% | 4,907 |
| Equity capital to assets | 12.4549% | 1,923 |
| Core capital (leverage) ratio | 9.8494% | 3,755 |
| Tier 1 risk-based capital ratio | 14.4556% | 4,216 |
| Total risk-based capital ratio | 15.7125% | 4,177 |
| Memoranda: | ||
| Average total assets | $2,586,128,750 | 278 |
| Average earning assets | $2,197,226,750 | 294 |
| Average equity | $307,919,750 | 269 |
| Average total loans | $1,574,274,750 | 292 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0842% | 5,374 |
| Cost of funding earning assets | 0.1871% | 7,056 |
| Net interest margin | 3.8971% | 2,915 |
| Noninterest income to average assets | 1.7527% | 501 |
| Noninterest expense to average assets | 4.5965% | 509 |
| Loan and lease loss provision to assets | 0.8029% | 622 |
| Net operating income to assets | -0.1786% | 6,519 |
| Return on assets (ROA) | -0.1786% | 6,600 |
| Pretax return on assets | -0.3334% | 6,660 |
| Return on Equity (ROE) | -1.5222% | 6,585 |
| Retained earnings to average equity (ytd only) | -1.5222% | 6,293 |
| Net charge-offs to loans | 1.4663% | 685 |
| Credit loss provision to net charge-offs | 90.4999% | 3,034 |
| Earnings coverage of net charge-offs (x) | 0.5292% | 4,806 |
| Efficiency ratio | 90.4091% | 1,045 |
| Assets per employee ($millions) | 2.8128% | 6,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 2,467 |
| Loan loss allowance to noncurrent loans | 39.9368% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 5.0733% | 936 |
| Noncurrent loans to loans | 4.8155% | 1,057 |
| Net loans and leases to total assets | 58.2212% | 4,122 |
| Net loans and leases to deposits | 70.5958% | 3,808 |
| Net loans and leases to core deposits | 71.3696% | 4,372 |
| Total domestic deposits to total assets | 82.4712% | 4,958 |
| Equity capital to assets | 11.6908% | 2,420 |
| Core capital (leverage) ratio | 9.6127% | 3,976 |
| Tier 1 risk-based capital ratio | 14.1888% | 4,314 |
| Total risk-based capital ratio | 15.4451% | 4,270 |
| Memoranda: | ||
| Average total assets | $2,624,571,330 | 279 |
| Average earning assets | $2,231,394,330 | 290 |
| Average equity | $307,981,000 | 266 |
| Average total loans | $1,587,934,670 | 290 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 5,288 |
| Cost of funding earning assets | 0.1950% | 7,115 |
| Net interest margin | 3.9508% | 2,714 |
| Noninterest income to average assets | 1.7299% | 506 |
| Noninterest expense to average assets | 4.6114% | 499 |
| Loan and lease loss provision to assets | 0.7301% | 700 |
| Net operating income to assets | -0.1298% | 6,568 |
| Return on assets (ROA) | -0.1298% | 6,638 |
| Pretax return on assets | -0.2542% | 6,701 |
| Return on Equity (ROE) | -1.1039% | 6,635 |
| Retained earnings to average equity (ytd only) | -1.1039% | 6,170 |
| Net charge-offs to loans | 1.1500% | 897 |
| Credit loss provision to net charge-offs | 103.9471% | 2,225 |
| Earnings coverage of net charge-offs (x) | 0.6775% | 3,999 |
| Efficiency ratio | 90.3261% | 1,069 |
| Assets per employee ($millions) | 2.7677% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9772% | 2,429 |
| Loan loss allowance to noncurrent loans | 39.5412% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 5.2014% | 980 |
| Noncurrent loans to loans | 5.0002% | 1,122 |
| Net loans and leases to total assets | 58.7388% | 3,914 |
| Net loans and leases to deposits | 70.4760% | 3,658 |
| Net loans and leases to core deposits | 71.2372% | 4,262 |
| Total domestic deposits to total assets | 83.3459% | 4,790 |
| Equity capital to assets | 11.6964% | 2,265 |
| Core capital (leverage) ratio | 9.7070% | 3,761 |
| Tier 1 risk-based capital ratio | 14.1696% | 4,342 |
| Total risk-based capital ratio | 15.4265% | 4,310 |
| Memoranda: | ||
| Average total assets | $2,626,074,000 | 275 |
| Average earning assets | $2,231,640,000 | 287 |
| Average equity | $308,730,500 | 265 |
| Average total loans | $1,603,784,000 | 285 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 4,967 |
| Cost of funding earning assets | 0.2803% | 7,137 |
| Net interest margin | 4.2470% | 1,897 |
| Noninterest income to average assets | 1.9658% | 388 |
| Noninterest expense to average assets | 4.5505% | 562 |
| Loan and lease loss provision to assets | 0.7351% | 1,382 |
| Net operating income to assets | 0.2408% | 5,459 |
| Return on assets (ROA) | 0.2408% | 5,604 |
| Pretax return on assets | 0.2909% | 5,584 |
| Return on Equity (ROE) | 1.9866% | 5,665 |
| Retained earnings to average equity (ytd only) | 1.9866% | 4,803 |
| Net charge-offs to loans | 1.3849% | 1,182 |
| Credit loss provision to net charge-offs | 81.1899% | 4,398 |
| Earnings coverage of net charge-offs (x) | 1.1332% | 4,938 |
| Efficiency ratio | 81.1324% | 2,144 |
| Assets per employee ($millions) | 2.7264% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 2,551 |
| Loan loss allowance to noncurrent loans | 41.2881% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 5.2637% | 988 |
| Noncurrent loans to loans | 4.6152% | 1,283 |
| Net loans and leases to total assets | 61.0414% | 3,776 |
| Net loans and leases to deposits | 73.2448% | 3,628 |
| Net loans and leases to core deposits | 74.0553% | 4,233 |
| Total domestic deposits to total assets | 83.3389% | 4,611 |
| Equity capital to assets | 11.8167% | 2,263 |
| Core capital (leverage) ratio | 10.2623% | 3,012 |
| Tier 1 risk-based capital ratio | 13.9567% | 4,351 |
| Total risk-based capital ratio | 15.2130% | 4,304 |
| Memoranda: | ||
| Average total assets | $2,584,022,200 | 275 |
| Average earning assets | $2,196,845,600 | 285 |
| Average equity | $313,197,400 | 256 |
| Average total loans | $1,689,489,800 | 269 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 4,866 |
| Cost of funding earning assets | 0.3044% | 7,203 |
| Net interest margin | 4.2948% | 1,740 |
| Noninterest income to average assets | 2.0274% | 375 |
| Noninterest expense to average assets | 4.6013% | 525 |
| Loan and lease loss provision to assets | 0.5899% | 1,669 |
| Net operating income to assets | 0.3322% | 5,282 |
| Return on assets (ROA) | 0.3322% | 5,450 |
| Pretax return on assets | 0.4880% | 5,197 |
| Return on Equity (ROE) | 2.7232% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.7232% | 4,723 |
| Net charge-offs to loans | 1.3432% | 1,127 |
| Credit loss provision to net charge-offs | 66.3561% | 4,591 |
| Earnings coverage of net charge-offs (x) | 1.2125% | 4,714 |
| Efficiency ratio | 80.5019% | 2,185 |
| Assets per employee ($millions) | 2.6189% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 2,981 |
| Loan loss allowance to noncurrent loans | 55.4138% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 4.5915% | 1,296 |
| Noncurrent loans to loans | 3.2286% | 2,147 |
| Net loans and leases to total assets | 65.1621% | 3,074 |
| Net loans and leases to deposits | 79.2435% | 2,769 |
| Net loans and leases to core deposits | 80.6186% | 3,546 |
| Total domestic deposits to total assets | 82.2303% | 4,997 |
| Equity capital to assets | 12.7153% | 1,778 |
| Core capital (leverage) ratio | 10.0309% | 3,392 |
| Tier 1 risk-based capital ratio | 13.8281% | 4,478 |
| Total risk-based capital ratio | 15.0832% | 4,439 |
| Memoranda: | ||
| Average total assets | $2,575,698,250 | 274 |
| Average earning assets | $2,190,106,750 | 287 |
| Average equity | $314,176,750 | 256 |
| Average total loans | $1,704,691,500 | 263 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 5,085 |
| Cost of funding earning assets | 0.3205% | 7,277 |
| Net interest margin | 4.2537% | 1,828 |
| Noninterest income to average assets | 2.1759% | 322 |
| Noninterest expense to average assets | 4.7344% | 469 |
| Loan and lease loss provision to assets | 0.5903% | 1,639 |
| Net operating income to assets | 0.3227% | 5,280 |
| Return on assets (ROA) | 0.3227% | 5,412 |
| Pretax return on assets | 0.4728% | 5,163 |
| Return on Equity (ROE) | 2.6824% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.6824% | 4,587 |
| Net charge-offs to loans | 1.3990% | 1,085 |
| Credit loss provision to net charge-offs | 63.8026% | 4,241 |
| Earnings coverage of net charge-offs (x) | 1.1491% | 4,415 |
| Efficiency ratio | 81.0527% | 2,234 |
| Assets per employee ($millions) | 2.6608% | 6,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8417% | 2,856 |
| Loan loss allowance to noncurrent loans | 50.8541% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 4.7467% | 1,308 |
| Noncurrent loans to loans | 3.6215% | 1,944 |
| Net loans and leases to total assets | 64.3811% | 3,383 |
| Net loans and leases to deposits | 78.3429% | 3,070 |
| Net loans and leases to core deposits | 79.6632% | 3,834 |
| Total domestic deposits to total assets | 82.1786% | 5,105 |
| Equity capital to assets | 12.2696% | 1,923 |
| Core capital (leverage) ratio | 9.7231% | 3,634 |
| Tier 1 risk-based capital ratio | 13.5205% | 4,512 |
| Total risk-based capital ratio | 14.7763% | 4,493 |
| Memoranda: | ||
| Average total assets | $2,601,449,000 | 275 |
| Average earning assets | $2,214,886,330 | 286 |
| Average equity | $313,007,000 | 255 |
| Average total loans | $1,720,355,670 | 268 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5054% | 5,319 |
| Cost of funding earning assets | 0.3332% | 7,346 |
| Net interest margin | 4.1722% | 1,993 |
| Noninterest income to average assets | 2.2642% | 309 |
| Noninterest expense to average assets | 4.8319% | 423 |
| Loan and lease loss provision to assets | 0.6320% | 1,365 |
| Net operating income to assets | 0.2558% | 5,592 |
| Return on assets (ROA) | 0.2558% | 5,655 |
| Pretax return on assets | 0.3672% | 5,446 |
| Return on Equity (ROE) | 2.1472% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.1472% | 4,854 |
| Net charge-offs to loans | 1.3119% | 1,051 |
| Credit loss provision to net charge-offs | 72.5597% | 3,305 |
| Earnings coverage of net charge-offs (x) | 1.1471% | 3,802 |
| Efficiency ratio | 81.9386% | 2,238 |
| Assets per employee ($millions) | 2.7426% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9981% | 2,425 |
| Loan loss allowance to noncurrent loans | 46.3115% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 4.9077% | 1,289 |
| Noncurrent loans to loans | 4.3146% | 1,642 |
| Net loans and leases to total assets | 63.7616% | 3,482 |
| Net loans and leases to deposits | 77.7923% | 3,096 |
| Net loans and leases to core deposits | 79.1999% | 3,853 |
| Total domestic deposits to total assets | 81.9639% | 5,331 |
| Equity capital to assets | 11.8573% | 2,005 |
| Core capital (leverage) ratio | 9.5455% | 3,737 |
| Tier 1 risk-based capital ratio | 13.1890% | 4,675 |
| Total risk-based capital ratio | 14.4467% | 4,645 |
| Memoranda: | ||
| Average total assets | $2,615,676,500 | 275 |
| Average earning assets | $2,236,246,000 | 284 |
| Average equity | $311,662,000 | 253 |
| Average total loans | $1,736,732,500 | 267 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 4,996 |
| Cost of funding earning assets | 0.4865% | 7,312 |
| Net interest margin | 4.4211% | 1,416 |
| Noninterest income to average assets | 2.0880% | 369 |
| Noninterest expense to average assets | 5.0069% | 410 |
| Loan and lease loss provision to assets | 0.9056% | 1,805 |
| Net operating income to assets | 0.0430% | 5,720 |
| Return on assets (ROA) | 0.0432% | 5,858 |
| Pretax return on assets | -0.0403% | 5,943 |
| Return on Equity (ROE) | 0.3668% | 5,864 |
| Retained earnings to average equity (ytd only) | 0.3668% | 5,394 |
| Net charge-offs to loans | 1.7699% | 1,196 |
| Credit loss provision to net charge-offs | 73.5604% | 5,771 |
| Earnings coverage of net charge-offs (x) | 0.7026% | 5,407 |
| Efficiency ratio | 83.5326% | 1,975 |
| Assets per employee ($millions) | 2.6732% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0372% | 2,209 |
| Loan loss allowance to noncurrent loans | 54.3393% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 4.7721% | 1,369 |
| Noncurrent loans to loans | 3.7490% | 1,977 |
| Net loans and leases to total assets | 66.3728% | 3,387 |
| Net loans and leases to deposits | 81.3613% | 2,924 |
| Net loans and leases to core deposits | 83.2986% | 3,702 |
| Total domestic deposits to total assets | 81.5778% | 5,329 |
| Equity capital to assets | 11.9739% | 1,937 |
| Core capital (leverage) ratio | 9.7421% | 3,384 |
| Tier 1 risk-based capital ratio | 12.7722% | 4,795 |
| Total risk-based capital ratio | 14.0303% | 4,757 |
| Memoranda: | ||
| Average total assets | $2,630,644,400 | 271 |
| Average earning assets | $2,251,494,200 | 283 |
| Average equity | $309,995,800 | 253 |
| Average total loans | $1,829,850,400 | 259 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 5,087 |
| Cost of funding earning assets | 0.5207% | 7,419 |
| Net interest margin | 4.4172% | 1,477 |
| Noninterest income to average assets | 2.0483% | 363 |
| Noninterest expense to average assets | 4.9896% | 386 |
| Loan and lease loss provision to assets | 1.0124% | 1,462 |
| Net operating income to assets | -0.0598% | 6,120 |
| Return on assets (ROA) | -0.0595% | 6,227 |
| Pretax return on assets | -0.1727% | 6,296 |
| Return on Equity (ROE) | -0.5070% | 6,217 |
| Retained earnings to average equity (ytd only) | -0.5070% | 5,921 |
| Net charge-offs to loans | 1.8993% | 1,005 |
| Credit loss provision to net charge-offs | 76.1436% | 5,250 |
| Earnings coverage of net charge-offs (x) | 0.6313% | 5,407 |
| Efficiency ratio | 83.7557% | 1,861 |
| Assets per employee ($millions) | 2.6177% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1158% | 1,965 |
| Loan loss allowance to noncurrent loans | 51.3556% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 4.9089% | 1,323 |
| Noncurrent loans to loans | 4.1199% | 1,792 |
| Net loans and leases to total assets | 69.0096% | 2,985 |
| Net loans and leases to deposits | 82.3889% | 3,034 |
| Net loans and leases to core deposits | 84.4300% | 3,881 |
| Total domestic deposits to total assets | 83.7609% | 4,247 |
| Equity capital to assets | 12.1503% | 2,059 |
| Core capital (leverage) ratio | 9.4039% | 4,049 |
| Tier 1 risk-based capital ratio | 12.3773% | 5,095 |
| Total risk-based capital ratio | 13.6364% | 5,061 |
| Memoranda: | ||
| Average total assets | $2,639,378,250 | 268 |
| Average earning assets | $2,259,044,000 | 281 |
| Average equity | $309,792,750 | 248 |
| Average total loans | $1,847,645,250 | 260 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 5,361 |
| Cost of funding earning assets | 0.5604% | 7,469 |
| Net interest margin | 4.3451% | 1,613 |
| Noninterest income to average assets | 2.0603% | 339 |
| Noninterest expense to average assets | 4.9903% | 381 |
| Loan and lease loss provision to assets | 1.0776% | 1,336 |
| Net operating income to assets | -0.1260% | 6,261 |
| Return on assets (ROA) | -0.1258% | 6,332 |
| Pretax return on assets | -0.2824% | 6,408 |
| Return on Equity (ROE) | -1.0840% | 6,326 |
| Retained earnings to average equity (ytd only) | -1.0840% | 5,985 |
| Net charge-offs to loans | 2.1394% | 842 |
| Credit loss provision to net charge-offs | 72.1174% | 4,914 |
| Earnings coverage of net charge-offs (x) | 0.5320% | 5,201 |
| Efficiency ratio | 84.4209% | 1,873 |
| Assets per employee ($millions) | 2.6522% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1316% | 1,906 |
| Loan loss allowance to noncurrent loans | 52.1004% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 4.6710% | 1,391 |
| Noncurrent loans to loans | 4.0913% | 1,841 |
| Net loans and leases to total assets | 67.9044% | 3,388 |
| Net loans and leases to deposits | 80.2985% | 3,550 |
| Net loans and leases to core deposits | 82.2750% | 4,381 |
| Total domestic deposits to total assets | 84.5650% | 3,840 |
| Equity capital to assets | 11.8005% | 2,219 |
| Core capital (leverage) ratio | 9.1813% | 4,328 |
| Tier 1 risk-based capital ratio | 12.1564% | 5,168 |
| Total risk-based capital ratio | 13.4157% | 5,136 |
| Memoranda: | ||
| Average total assets | $2,667,538,330 | 267 |
| Average earning assets | $2,286,772,670 | 275 |
| Average equity | $309,581,330 | 250 |
| Average total loans | $1,863,114,670 | 259 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 5,591 |
| Cost of funding earning assets | 0.6027% | 7,532 |
| Net interest margin | 4.2720% | 1,776 |
| Noninterest income to average assets | 2.0288% | 334 |
| Noninterest expense to average assets | 4.8496% | 413 |
| Loan and lease loss provision to assets | 1.5979% | 723 |
| Net operating income to assets | -0.4056% | 6,763 |
| Return on assets (ROA) | -0.4051% | 6,800 |
| Pretax return on assets | -0.7469% | 6,924 |
| Return on Equity (ROE) | -3.5198% | 6,780 |
| Retained earnings to average equity (ytd only) | -3.5198% | 6,432 |
| Net charge-offs to loans | 2.8742% | 543 |
| Credit loss provision to net charge-offs | 79.3440% | 3,896 |
| Earnings coverage of net charge-offs (x) | 0.4222% | 4,653 |
| Efficiency ratio | 83.2315% | 2,113 |
| Assets per employee ($millions) | 2.6889% | 6,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2464% | 1,667 |
| Loan loss allowance to noncurrent loans | 54.4218% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 4.5696% | 1,473 |
| Noncurrent loans to loans | 4.1277% | 1,877 |
| Net loans and leases to total assets | 67.3140% | 3,549 |
| Net loans and leases to deposits | 78.6179% | 3,921 |
| Net loans and leases to core deposits | 80.7460% | 4,668 |
| Total domestic deposits to total assets | 85.6217% | 3,355 |
| Equity capital to assets | 11.4535% | 2,398 |
| Core capital (leverage) ratio | 9.1256% | 4,332 |
| Tier 1 risk-based capital ratio | 12.0545% | 5,145 |
| Total risk-based capital ratio | 13.3153% | 5,096 |
| Memoranda: | ||
| Average total assets | $2,688,469,500 | 275 |
| Average earning assets | $2,310,306,500 | 286 |
| Average equity | $309,451,000 | 250 |
| Average total loans | $1,883,781,000 | 267 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6742% | 3,234 |
| Cost of funding earning assets | 0.6060% | 7,773 |
| Net interest margin | 5.0681% | 394 |
| Noninterest income to average assets | 2.2324% | 320 |
| Noninterest expense to average assets | 5.1773% | 466 |
| Loan and lease loss provision to assets | 1.5866% | 1,445 |
| Net operating income to assets | -0.0288% | 5,546 |
| Return on assets (ROA) | -0.0286% | 5,578 |
| Pretax return on assets | -0.1835% | 5,684 |
| Return on Equity (ROE) | -0.2230% | 5,574 |
| Retained earnings to average equity (ytd only) | -11.0507% | 6,602 |
| Net charge-offs to loans | 1.6682% | 1,516 |
| Credit loss provision to net charge-offs | 122.6349% | 4,312 |
| Earnings coverage of net charge-offs (x) | 1.0842% | 5,028 |
| Efficiency ratio | 76.2461% | 3,484 |
| Assets per employee ($millions) | 2.6509% | 6,948 |
| Cash dividends to net income (ytd only)* | -4,854.3689% | 8,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3169% | 1,454 |
| Loan loss allowance to noncurrent loans | 51.4047% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 4.5568% | 1,419 |
| Noncurrent loans to loans | 4.5071% | 1,580 |
| Net loans and leases to total assets | 69.6260% | 3,335 |
| Net loans and leases to deposits | 82.0793% | 3,601 |
| Net loans and leases to core deposits | 88.0869% | 5,317 |
| Total domestic deposits to total assets | 84.8277% | 3,630 |
| Equity capital to assets | 11.5671% | 2,269 |
| Core capital (leverage) ratio | 9.6608% | 3,511 |
| Tier 1 risk-based capital ratio | 11.8574% | 5,068 |
| Total risk-based capital ratio | 13.1192% | 5,026 |
| Memoranda: | ||
| Average total assets | $2,522,161,800 | 291 |
| Average earning assets | $2,163,630,400 | 304 |
| Average equity | $323,246,000 | 237 |
| Average total loans | $1,956,088,800 | 270 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8299% | 2,747 |
| Cost of funding earning assets | 0.6009% | 7,885 |
| Net interest margin | 5.2290% | 289 |
| Noninterest income to average assets | 2.2718% | 307 |
| Noninterest expense to average assets | 5.1595% | 437 |
| Loan and lease loss provision to assets | 1.5685% | 1,210 |
| Net operating income to assets | 0.0967% | 5,471 |
| Return on assets (ROA) | 0.0973% | 5,525 |
| Pretax return on assets | 0.0267% | 5,657 |
| Return on Equity (ROE) | 0.7395% | 5,570 |
| Retained earnings to average equity (ytd only) | -11.5178% | 6,921 |
| Net charge-offs to loans | 1.4096% | 1,463 |
| Credit loss provision to net charge-offs | 140.3954% | 3,501 |
| Earnings coverage of net charge-offs (x) | 1.4273% | 4,712 |
| Efficiency ratio | 73.9773% | 3,865 |
| Assets per employee ($millions) | 2.4466% | 7,310 |
| Cash dividends to net income (ytd only)* | 1,657.4606% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3187% | 1,274 |
| Loan loss allowance to noncurrent loans | 49.1220% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 5.0908% | 1,149 |
| Noncurrent loans to loans | 4.7203% | 1,454 |
| Net loans and leases to total assets | 77.4016% | 1,697 |
| Net loans and leases to deposits | 96.9573% | 1,449 |
| Net loans and leases to core deposits | 105.3235% | 3,781 |
| Total domestic deposits to total assets | 79.8306% | 5,508 |
| Equity capital to assets | 12.6125% | 1,876 |
| Core capital (leverage) ratio | 10.2507% | 3,014 |
| Tier 1 risk-based capital ratio | 11.9316% | 5,031 |
| Total risk-based capital ratio | 13.1934% | 4,965 |
| Memoranda: | ||
| Average total assets | $2,480,701,000 | 310 |
| Average earning assets | $2,126,512,250 | 321 |
| Average equity | $326,326,500 | 244 |
| Average total loans | $1,966,126,000 | 279 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8309% | 2,897 |
| Cost of funding earning assets | 0.5891% | 7,997 |
| Net interest margin | 5.2418% | 276 |
| Noninterest income to average assets | 2.2892% | 298 |
| Noninterest expense to average assets | 5.2103% | 449 |
| Loan and lease loss provision to assets | 1.3557% | 1,275 |
| Net operating income to assets | 0.2231% | 5,180 |
| Return on assets (ROA) | 0.2236% | 5,266 |
| Pretax return on assets | 0.2267% | 5,393 |
| Return on Equity (ROE) | 1.6769% | 5,411 |
| Retained earnings to average equity (ytd only) | -10.3999% | 6,913 |
| Net charge-offs to loans | 1.2250% | 1,498 |
| Credit loss provision to net charge-offs | 139.6219% | 3,345 |
| Earnings coverage of net charge-offs (x) | 1.6292% | 4,320 |
| Efficiency ratio | 74.3148% | 3,990 |
| Assets per employee ($millions) | 2.4429% | 7,361 |
| Cash dividends to net income (ytd only)* | 720.2017% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1133% | 1,369 |
| Loan loss allowance to noncurrent loans | 37.5984% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 5.2236% | 984 |
| Noncurrent loans to loans | 5.6208% | 1,021 |
| Net loans and leases to total assets | 77.2879% | 1,897 |
| Net loans and leases to deposits | 95.7506% | 1,839 |
| Net loans and leases to core deposits | 103.3953% | 4,134 |
| Total domestic deposits to total assets | 80.7179% | 5,184 |
| Equity capital to assets | 12.8819% | 1,747 |
| Core capital (leverage) ratio | 10.6235% | 2,718 |
| Tier 1 risk-based capital ratio | 12.3429% | 4,647 |
| Total risk-based capital ratio | 13.6025% | 4,562 |
| Memoranda: | ||
| Average total assets | $2,483,918,670 | 315 |
| Average earning assets | $2,133,799,670 | 327 |
| Average equity | $331,215,000 | 242 |
| Average total loans | $1,968,824,000 | 287 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8271% | 3,161 |
| Cost of funding earning assets | 0.5878% | 8,063 |
| Net interest margin | 5.2393% | 264 |
| Noninterest income to average assets | 2.2451% | 299 |
| Noninterest expense to average assets | 5.1280% | 439 |
| Loan and lease loss provision to assets | 1.3598% | 942 |
| Net operating income to assets | 0.2448% | 5,506 |
| Return on assets (ROA) | 0.2448% | 5,672 |
| Pretax return on assets | 0.2699% | 5,762 |
| Return on Equity (ROE) | 1.8048% | 5,838 |
| Retained earnings to average equity (ytd only) | -10.1162% | 7,125 |
| Net charge-offs to loans | 1.0672% | 1,276 |
| Credit loss provision to net charge-offs | 160.4349% | 2,645 |
| Earnings coverage of net charge-offs (x) | 1.9227% | 3,756 |
| Efficiency ratio | 73.4651% | 3,922 |
| Assets per employee ($millions) | 2.3972% | 7,468 |
| Cash dividends to net income (ytd only)* | 660.5020% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0375% | 1,341 |
| Loan loss allowance to noncurrent loans | 36.3022% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 4.9301% | 924 |
| Noncurrent loans to loans | 5.6127% | 901 |
| Net loans and leases to total assets | 77.9966% | 1,826 |
| Net loans and leases to deposits | 96.6848% | 1,839 |
| Net loans and leases to core deposits | 104.3612% | 4,100 |
| Total domestic deposits to total assets | 80.6710% | 5,105 |
| Equity capital to assets | 13.3839% | 1,580 |
| Core capital (leverage) ratio | 11.0265% | 2,481 |
| Tier 1 risk-based capital ratio | 12.8547% | 4,286 |
| Total risk-based capital ratio | 14.1136% | 4,199 |
| Memoranda: | ||
| Average total assets | $2,473,883,000 | 317 |
| Average earning assets | $2,130,724,000 | 328 |
| Average equity | $335,541,500 | 242 |
| Average total loans | $1,964,704,500 | 290 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4706% | 3,114 |
| Cost of funding earning assets | 1.3696% | 7,778 |
| Net interest margin | 5.1009% | 406 |
| Noninterest income to average assets | 2.5925% | 245 |
| Noninterest expense to average assets | 4.7222% | 753 |
| Loan and lease loss provision to assets | 1.2677% | 1,129 |
| Net operating income to assets | 0.7055% | 3,871 |
| Return on assets (ROA) | 0.7089% | 3,686 |
| Pretax return on assets | 0.9996% | 3,386 |
| Return on Equity (ROE) | 5.1405% | 4,316 |
| Retained earnings to average equity (ytd only) | 0.4291% | 4,991 |
| Net charge-offs to loans | 0.7038% | 1,755 |
| Credit loss provision to net charge-offs | 239.6814% | 1,961 |
| Earnings coverage of net charge-offs (x) | 4.2775% | 4,044 |
| Efficiency ratio | 64.4331% | 5,467 |
| Assets per employee ($millions) | 2.3856% | 7,424 |
| Cash dividends to net income (ytd only)* | 91.6520% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8901% | 1,443 |
| Loan loss allowance to noncurrent loans | 38.1217% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 4.3007% | 910 |
| Noncurrent loans to loans | 4.9580% | 895 |
| Net loans and leases to total assets | 77.7191% | 2,213 |
| Net loans and leases to deposits | 96.3086% | 2,398 |
| Net loans and leases to core deposits | 101.1337% | 4,711 |
| Total domestic deposits to total assets | 80.6980% | 4,773 |
| Equity capital to assets | 13.7431% | 1,523 |
| Core capital (leverage) ratio | 11.4532% | 2,283 |
| Tier 1 risk-based capital ratio | 13.2743% | 3,950 |
| Total risk-based capital ratio | 14.5313% | 3,857 |
| Memoranda: | ||
| Average total assets | $2,563,312,000 | 294 |
| Average earning assets | $2,207,161,200 | 304 |
| Average equity | $353,504,600 | 242 |
| Average total loans | $1,926,429,800 | 284 |