Home > Carter Bank & Trust > Performance and Condition Ratios
Carter Bank & Trust, 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 | 4.8259% | 2,424 |
| Cost of funding earning assets | 1.8208% | 1,214 |
| Net interest margin | 3.0050% | 3,271 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.3454% | 2,729 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.6092% | 3,421 |
| Return on assets (ROA) | 0.5810% | 3,483 |
| Pretax return on assets | 0.7151% | 3,404 |
| Return on Equity (ROE) | 7.5600% | 3,144 |
| Retained earnings to average equity (ytd only) | 3.3910% | 3,167 |
| Net charge-offs to loans | 0.0691% | 1,158 |
| Credit loss provision to net charge-offs | 239.1304% | 1,105 |
| Earnings coverage of net charge-offs (x) | 17.0591% | 1,983 |
| Efficiency ratio | 72.3571% | 1,628 |
| Assets per employee ($millions) | 6.6606% | 2,296 |
| Cash dividends to net income (ytd only)* | 55.1389% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7682% | 149 |
| Loan loss allowance to noncurrent loans | 31.3541% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 6.9191% | 15 |
| Noncurrent loans to loans | 8.8289% | 14 |
| Net loans and leases to total assets | 75.6000% | 1,165 |
| Net loans and leases to deposits | 91.5733% | 1,133 |
| Net loans and leases to core deposits | 99.7449% | 1,453 |
| Total domestic deposits to total assets | 82.5500% | 3,004 |
| Equity capital to assets | 7.7049% | 3,599 |
| Core capital (leverage) ratio | 9.4108% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2503% | 2,515 |
| Memoranda: | ||
| Average total assets | $4,379,003,800 | 302 |
| Average earning assets | $4,070,162,800 | 293 |
| Average equity | $336,600,200 | 360 |
| Average total loans | $3,329,128,000 | 274 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 2,321 |
| Cost of funding earning assets | 1.6403% | 1,302 |
| Net interest margin | 3.1339% | 3,074 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.2774% | 2,864 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.8227% | 2,954 |
| Return on assets (ROA) | 0.8224% | 2,945 |
| Pretax return on assets | 0.9990% | 2,866 |
| Return on Equity (ROE) | 10.7100% | 2,447 |
| Retained earnings to average equity (ytd only) | 4.5447% | 3,085 |
| Net charge-offs to loans | 0.0805% | 918 |
| Credit loss provision to net charge-offs | 131.3666% | 1,412 |
| Earnings coverage of net charge-offs (x) | 17.9002% | 1,887 |
| Efficiency ratio | 67.6536% | 2,051 |
| Assets per employee ($millions) | 6.5975% | 2,250 |
| Cash dividends to net income (ytd only)* | 57.5494% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7697% | 152 |
| Loan loss allowance to noncurrent loans | 30.5760% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 7.0332% | 15 |
| Noncurrent loans to loans | 9.0585% | 14 |
| Net loans and leases to total assets | 74.5800% | 1,286 |
| Net loans and leases to deposits | 93.2575% | 951 |
| Net loans and leases to core deposits | 100.2764% | 1,304 |
| Total domestic deposits to total assets | 79.9700% | 3,532 |
| Equity capital to assets | 7.3149% | 3,459 |
| Core capital (leverage) ratio | 9.5898% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3354% | 2,500 |
| Memoranda: | ||
| Average total assets | $4,346,454,500 | 305 |
| Average earning assets | $4,037,025,000 | 295 |
| Average equity | $333,893,000 | 364 |
| Average total loans | $3,284,932,500 | 280 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 2,050 |
| Cost of funding earning assets | 1.4063% | 1,433 |
| Net interest margin | 3.3690% | 2,598 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.2386% | 2,974 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.0554% | 2,249 |
| Return on assets (ROA) | 1.0551% | 2,248 |
| Pretax return on assets | 1.2741% | 2,150 |
| Return on Equity (ROE) | 13.5100% | 1,790 |
| Retained earnings to average equity (ytd only) | 8.0056% | 1,961 |
| Net charge-offs to loans | 0.0745% | 826 |
| Credit loss provision to net charge-offs | 124.1722% | 1,311 |
| Earnings coverage of net charge-offs (x) | 24.3618% | 1,652 |
| Efficiency ratio | 62.1273% | 2,700 |
| Assets per employee ($millions) | 6.3553% | 2,423 |
| Cash dividends to net income (ytd only)* | 40.7551% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8266% | 152 |
| Loan loss allowance to noncurrent loans | 30.2961% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 7.1738% | 21 |
| Noncurrent loans to loans | 9.3300% | 17 |
| Net loans and leases to total assets | 73.9100% | 1,305 |
| Net loans and leases to deposits | 90.4665% | 1,148 |
| Net loans and leases to core deposits | 96.7833% | 1,422 |
| Total domestic deposits to total assets | 81.7000% | 3,290 |
| Equity capital to assets | 7.7407% | 3,374 |
| Core capital (leverage) ratio | 9.7641% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5974% | 2,436 |
| Memoranda: | ||
| Average total assets | $4,313,029,667 | 296 |
| Average earning assets | $4,006,935,667 | 288 |
| Average equity | $336,765,667 | 353 |
| Average total loans | $3,242,930,000 | 275 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 920 |
| Cost of funding earning assets | 1.1234% | 1,685 |
| Net interest margin | 4.1018% | 1,093 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.2253% | 3,028 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.5340% | 1,106 |
| Return on assets (ROA) | 1.5331% | 1,093 |
| Pretax return on assets | 1.9084% | 902 |
| Return on Equity (ROE) | 19.5500% | 814 |
| Retained earnings to average equity (ytd only) | 19.5487% | 404 |
| Net charge-offs to loans | 0.0716% | 717 |
| Credit loss provision to net charge-offs | 246.9459% | 752 |
| Earnings coverage of net charge-offs (x) | 38.2757% | 1,204 |
| Efficiency ratio | 52.0539% | 3,774 |
| Assets per employee ($millions) | 6.5179% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9143% | 142 |
| Loan loss allowance to noncurrent loans | 1,131.6205% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 1,352 |
| Noncurrent loans to loans | 0.2575% | 2,224 |
| Net loans and leases to total assets | 72.3400% | 1,388 |
| Net loans and leases to deposits | 89.2740% | 1,110 |
| Net loans and leases to core deposits | 94.8002% | 1,339 |
| Total domestic deposits to total assets | 81.0400% | 3,632 |
| Equity capital to assets | 8.0179% | 3,229 |
| Core capital (leverage) ratio | 9.9795% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4150% | 2,212 |
| Memoranda: | ||
| Average total assets | $4,280,139,000 | 309 |
| Average earning assets | $3,977,281,500 | 299 |
| Average equity | $335,674,000 | 364 |
| Average total loans | $3,199,087,500 | 283 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 1,340 |
| Cost of funding earning assets | 0.5254% | 1,236 |
| Net interest margin | 3.6296% | 1,556 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.3018% | 2,728 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2614% | 1,561 |
| Return on assets (ROA) | 1.2623% | 1,508 |
| Pretax return on assets | 1.5566% | 1,277 |
| Return on Equity (ROE) | 15.1500% | 1,221 |
| Retained earnings to average equity (ytd only) | 15.1505% | 282 |
| Net charge-offs to loans | 0.1513% | 542 |
| Credit loss provision to net charge-offs | 53.6840% | 1,805 |
| Earnings coverage of net charge-offs (x) | 14.9348% | 2,016 |
| Efficiency ratio | 58.5998% | 3,251 |
| Assets per employee ($millions) | 6.2684% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9805% | 121 |
| Loan loss allowance to noncurrent loans | 1,412.3702% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 1,429 |
| Noncurrent loans to loans | 0.2110% | 2,435 |
| Net loans and leases to total assets | 72.7400% | 1,340 |
| Net loans and leases to deposits | 84.1028% | 1,466 |
| Net loans and leases to core deposits | 87.9533% | 1,612 |
| Total domestic deposits to total assets | 86.4900% | 2,575 |
| Equity capital to assets | 7.6606% | 3,281 |
| Core capital (leverage) ratio | 10.1304% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6818% | 2,096 |
| Memoranda: | ||
| Average total assets | $4,138,214,400 | 308 |
| Average earning assets | $3,855,197,600 | 298 |
| Average equity | $344,786,600 | 347 |
| Average total loans | $2,977,245,600 | 282 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 1,528 |
| Cost of funding earning assets | 0.4702% | 878 |
| Net interest margin | 3.4123% | 1,937 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.2025% | 2,928 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1683% | 1,820 |
| Return on assets (ROA) | 1.1696% | 1,792 |
| Pretax return on assets | 1.4470% | 1,566 |
| Return on Equity (ROE) | 13.7600% | 1,494 |
| Retained earnings to average equity (ytd only) | 13.7556% | 501 |
| Net charge-offs to loans | 0.1882% | 358 |
| Credit loss provision to net charge-offs | 57.1463% | 1,501 |
| Earnings coverage of net charge-offs (x) | 11.4085% | 1,946 |
| Efficiency ratio | 59.0378% | 3,240 |
| Assets per employee ($millions) | 6.2511% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1048% | 122 |
| Loan loss allowance to noncurrent loans | 1,343.2810% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 1,462 |
| Noncurrent loans to loans | 0.2311% | 2,465 |
| Net loans and leases to total assets | 71.4500% | 1,346 |
| Net loans and leases to deposits | 78.8454% | 1,649 |
| Net loans and leases to core deposits | 82.0491% | 1,762 |
| Total domestic deposits to total assets | 90.6100% | 1,401 |
| Equity capital to assets | 7.5967% | 3,156 |
| Core capital (leverage) ratio | 10.0566% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9964% | 2,053 |
| Memoranda: | ||
| Average total assets | $4,122,813,000 | 308 |
| Average earning assets | $3,845,037,250 | 299 |
| Average equity | $350,550,250 | 345 |
| Average total loans | $2,934,328,750 | 282 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 1,801 |
| Cost of funding earning assets | 0.4648% | 642 |
| Net interest margin | 3.1486% | 2,373 |
| Noninterest income to average assets | 0.5643% | 1,884 |
| Noninterest expense to average assets | 2.1870% | 2,900 |
| Loan and lease loss provision to assets | 0.1201% | 827 |
| Net operating income to assets | 1.0316% | 2,039 |
| Return on assets (ROA) | 1.0338% | 2,009 |
| Pretax return on assets | 1.2011% | 2,073 |
| Return on Equity (ROE) | 11.7425% | 1,746 |
| Retained earnings to average equity (ytd only) | 11.7425% | 651 |
| Net charge-offs to loans | 0.0277% | 1,169 |
| Credit loss provision to net charge-offs | 607.9602% | 560 |
| Earnings coverage of net charge-offs (x) | 67.6716% | 1,020 |
| Efficiency ratio | 62.3849% | 2,998 |
| Assets per employee ($millions) | 6.2555% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2683% | 109 |
| Loan loss allowance to noncurrent loans | 814.5399% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 1,150 |
| Noncurrent loans to loans | 0.4012% | 1,929 |
| Net loans and leases to total assets | 70.3457% | 1,269 |
| Net loans and leases to deposits | 77.2552% | 1,591 |
| Net loans and leases to core deposits | 80.1894% | 1,703 |
| Total domestic deposits to total assets | 91.0562% | 1,203 |
| Equity capital to assets | 8.0767% | 3,063 |
| Core capital (leverage) ratio | 9.9326% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9260% | 2,091 |
| Memoranda: | ||
| Average total assets | $4,126,019,000 | 308 |
| Average earning assets | $3,854,427,000 | 303 |
| Average equity | $363,244,667 | 340 |
| Average total loans | $2,901,484,333 | 283 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3823% | 2,139 |
| Cost of funding earning assets | 0.4612% | 614 |
| Net interest margin | 2.9210% | 2,764 |
| Noninterest income to average assets | 0.5341% | 1,976 |
| Noninterest expense to average assets | 2.1277% | 3,056 |
| Loan and lease loss provision to assets | 0.0382% | 1,674 |
| Net operating income to assets | 0.9593% | 2,035 |
| Return on assets (ROA) | 0.9573% | 2,037 |
| Pretax return on assets | 1.1007% | 2,141 |
| Return on Equity (ROE) | 10.4432% | 1,811 |
| Retained earnings to average equity (ytd only) | 10.4432% | 915 |
| Net charge-offs to loans | 0.0271% | 1,048 |
| Credit loss provision to net charge-offs | 326.4249% | 645 |
| Earnings coverage of net charge-offs (x) | 61.0207% | 848 |
| Efficiency ratio | 65.0886% | 2,895 |
| Assets per employee ($millions) | 5.9231% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3300% | 117 |
| Loan loss allowance to noncurrent loans | 1,320.7620% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 1,355 |
| Noncurrent loans to loans | 0.2521% | 2,580 |
| Net loans and leases to total assets | 67.8671% | 1,227 |
| Net loans and leases to deposits | 74.9525% | 1,527 |
| Net loans and leases to core deposits | 77.7209% | 1,638 |
| Total domestic deposits to total assets | 90.5468% | 1,269 |
| Equity capital to assets | 8.6014% | 3,081 |
| Core capital (leverage) ratio | 9.9091% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1212% | 2,149 |
| Memoranda: | ||
| Average total assets | $4,127,839,500 | 309 |
| Average earning assets | $3,864,643,000 | 304 |
| Average equity | $378,391,500 | 336 |
| Average total loans | $2,853,278,500 | 287 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4601% | 2,773 |
| Cost of funding earning assets | 0.5870% | 582 |
| Net interest margin | 2.8731% | 3,504 |
| Noninterest income to average assets | 0.4674% | 2,741 |
| Noninterest expense to average assets | 2.3515% | 2,653 |
| Loan and lease loss provision to assets | 0.0502% | 2,054 |
| Net operating income to assets | 0.6600% | 3,719 |
| Return on assets (ROA) | 0.8060% | 3,391 |
| Pretax return on assets | 0.9159% | 3,467 |
| Return on Equity (ROE) | 8.2125% | 3,155 |
| Retained earnings to average equity (ytd only) | 8.2125% | 1,458 |
| Net charge-offs to loans | 0.7907% | 85 |
| Credit loss provision to net charge-offs | 14.4859% | 2,287 |
| Earnings coverage of net charge-offs (x) | 1.4334% | 2,617 |
| Efficiency ratio | 74.6072% | 1,240 |
| Assets per employee ($millions) | 5.6774% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4113% | 104 |
| Loan loss allowance to noncurrent loans | 1,296.9988% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 1,486 |
| Noncurrent loans to loans | 0.2630% | 2,667 |
| Net loans and leases to total assets | 65.7223% | 1,504 |
| Net loans and leases to deposits | 73.3450% | 1,786 |
| Net loans and leases to core deposits | 76.3793% | 1,888 |
| Total domestic deposits to total assets | 89.6071% | 1,168 |
| Equity capital to assets | 9.7308% | 2,909 |
| Core capital (leverage) ratio | 10.4931% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2916% | 1,744 |
| Memoranda: | ||
| Average total assets | $4,141,743,000 | 295 |
| Average earning assets | $3,869,768,200 | 291 |
| Average equity | $406,477,600 | 315 |
| Average total loans | $2,924,769,000 | 274 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 2,893 |
| Cost of funding earning assets | 0.6148% | 594 |
| Net interest margin | 2.8662% | 3,622 |
| Noninterest income to average assets | 0.4528% | 2,827 |
| Noninterest expense to average assets | 2.3083% | 2,726 |
| Loan and lease loss provision to assets | 0.0472% | 2,058 |
| Net operating income to assets | 0.6931% | 3,780 |
| Return on assets (ROA) | 0.8798% | 3,377 |
| Pretax return on assets | 0.9797% | 3,522 |
| Return on Equity (ROE) | 8.9459% | 3,119 |
| Retained earnings to average equity (ytd only) | 8.9459% | 1,720 |
| Net charge-offs to loans | 0.8503% | 80 |
| Credit loss provision to net charge-offs | 12.8027% | 2,016 |
| Earnings coverage of net charge-offs (x) | 1.3523% | 2,380 |
| Efficiency ratio | 73.8023% | 1,231 |
| Assets per employee ($millions) | 5.5116% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4369% | 112 |
| Loan loss allowance to noncurrent loans | 1,119.8150% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 1,418 |
| Noncurrent loans to loans | 0.3069% | 2,695 |
| Net loans and leases to total assets | 67.4880% | 1,378 |
| Net loans and leases to deposits | 76.0744% | 1,662 |
| Net loans and leases to core deposits | 79.2459% | 1,798 |
| Total domestic deposits to total assets | 88.7132% | 1,450 |
| Equity capital to assets | 9.7937% | 3,108 |
| Core capital (leverage) ratio | 10.4535% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0766% | 1,945 |
| Memoranda: | ||
| Average total assets | $4,143,885,000 | 296 |
| Average earning assets | $3,867,230,500 | 291 |
| Average equity | $407,549,500 | 312 |
| Average total loans | $2,952,872,000 | 276 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4168% | 3,133 |
| Cost of funding earning assets | 0.6373% | 612 |
| Net interest margin | 2.7795% | 3,832 |
| Noninterest income to average assets | 0.4289% | 2,957 |
| Noninterest expense to average assets | 2.3121% | 2,732 |
| Loan and lease loss provision to assets | 0.0935% | 1,341 |
| Net operating income to assets | 0.5518% | 4,104 |
| Return on assets (ROA) | 0.7735% | 3,645 |
| Pretax return on assets | 0.8609% | 3,744 |
| Return on Equity (ROE) | 7.8540% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.8540% | 2,127 |
| Net charge-offs to loans | 0.6200% | 125 |
| Credit loss provision to net charge-offs | 30.6291% | 1,697 |
| Earnings coverage of net charge-offs (x) | 1.5924% | 2,163 |
| Efficiency ratio | 76.5561% | 1,027 |
| Assets per employee ($millions) | 5.4432% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7362% | 80 |
| Loan loss allowance to noncurrent loans | 1,142.5481% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 1,094 |
| Noncurrent loans to loans | 0.3270% | 2,742 |
| Net loans and leases to total assets | 68.3567% | 1,406 |
| Net loans and leases to deposits | 76.9528% | 1,734 |
| Net loans and leases to core deposits | 80.3616% | 1,857 |
| Total domestic deposits to total assets | 88.8294% | 1,368 |
| Equity capital to assets | 9.6644% | 3,186 |
| Core capital (leverage) ratio | 10.2084% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6275% | 2,112 |
| Memoranda: | ||
| Average total assets | $4,147,280,000 | 297 |
| Average earning assets | $3,866,296,333 | 290 |
| Average equity | $408,452,000 | 306 |
| Average total loans | $2,974,147,333 | 274 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3959% | 3,208 |
| Cost of funding earning assets | 0.6623% | 641 |
| Net interest margin | 2.7336% | 3,896 |
| Noninterest income to average assets | 0.5192% | 2,523 |
| Noninterest expense to average assets | 2.2248% | 3,027 |
| Loan and lease loss provision to assets | 0.1514% | 860 |
| Net operating income to assets | 0.6357% | 3,848 |
| Return on assets (ROA) | 0.9515% | 3,061 |
| Pretax return on assets | 1.0405% | 3,256 |
| Return on Equity (ROE) | 9.5723% | 2,828 |
| Retained earnings to average equity (ytd only) | 9.5723% | 1,772 |
| Net charge-offs to loans | 0.0935% | 719 |
| Credit loss provision to net charge-offs | 265.0499% | 795 |
| Earnings coverage of net charge-offs (x) | 12.5364% | 1,422 |
| Efficiency ratio | 72.4773% | 1,451 |
| Assets per employee ($millions) | 5.0637% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8776% | 75 |
| Loan loss allowance to noncurrent loans | 365.7279% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 1.1102% | 710 |
| Noncurrent loans to loans | 1.0602% | 1,266 |
| Net loans and leases to total assets | 69.9438% | 1,298 |
| Net loans and leases to deposits | 78.4750% | 1,675 |
| Net loans and leases to core deposits | 82.3176% | 1,816 |
| Total domestic deposits to total assets | 89.1287% | 1,280 |
| Equity capital to assets | 9.3571% | 3,323 |
| Core capital (leverage) ratio | 10.1522% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1337% | 2,235 |
| Memoranda: | ||
| Average total assets | $4,160,663,500 | 295 |
| Average earning assets | $3,881,952,000 | 289 |
| Average equity | $413,567,500 | 301 |
| Average total loans | $2,998,238,500 | 271 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 3,527 |
| Cost of funding earning assets | 0.9456% | 728 |
| Net interest margin | 2.7743% | 4,291 |
| Noninterest income to average assets | 0.4529% | 2,858 |
| Noninterest expense to average assets | 3.8350% | 439 |
| Loan and lease loss provision to assets | 0.4397% | 648 |
| Net operating income to assets | -1.2735% | 4,945 |
| Return on assets (ROA) | -1.1055% | 4,939 |
| Pretax return on assets | -1.0866% | 4,930 |
| Return on Equity (ROE) | -9.7917% | 4,942 |
| Retained earnings to average equity (ytd only) | -10.5897% | 4,917 |
| Net charge-offs to loans | 0.0908% | 1,547 |
| Credit loss provision to net charge-offs | 668.3742% | 1,025 |
| Earnings coverage of net charge-offs (x) | -12.3864% | 3,409 |
| Efficiency ratio | 76.6914% | 1,154 |
| Assets per employee ($millions) | 5.0718% | 3,314 |
| Cash dividends to net income (ytd only)* | -8.1500% | 4,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 836 |
| Loan loss allowance to noncurrent loans | 168.9601% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1420% | 782 |
| Noncurrent loans to loans | 1.0731% | 1,326 |
| Net loans and leases to total assets | 70.0701% | 1,553 |
| Net loans and leases to deposits | 79.4615% | 1,929 |
| Net loans and leases to core deposits | 83.5671% | 2,075 |
| Total domestic deposits to total assets | 88.1812% | 1,388 |
| Equity capital to assets | 10.5176% | 2,658 |
| Core capital (leverage) ratio | 10.2428% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3116% | 2,121 |
| Memoranda: | ||
| Average total assets | $4,094,605,200 | 288 |
| Average earning assets | $3,788,891,400 | 281 |
| Average equity | $462,270,200 | 271 |
| Average total loans | $2,968,244,800 | 264 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 3,532 |
| Cost of funding earning assets | 1.0102% | 737 |
| Net interest margin | 2.8011% | 4,339 |
| Noninterest income to average assets | 0.4459% | 2,865 |
| Noninterest expense to average assets | 4.3693% | 275 |
| Loan and lease loss provision to assets | 0.4316% | 767 |
| Net operating income to assets | -1.7912% | 4,982 |
| Return on assets (ROA) | -1.5973% | 4,978 |
| Pretax return on assets | -1.5765% | 4,971 |
| Return on Equity (ROE) | -13.9043% | 4,985 |
| Retained earnings to average equity (ytd only) | -14.9554% | 4,971 |
| Net charge-offs to loans | 0.0891% | 1,414 |
| Credit loss provision to net charge-offs | 665.2371% | 1,104 |
| Earnings coverage of net charge-offs (x) | -20.6377% | 3,215 |
| Efficiency ratio | 77.0071% | 1,119 |
| Assets per employee ($millions) | 5.0539% | 3,174 |
| Cash dividends to net income (ytd only)* | -7.5594% | 4,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 976 |
| Loan loss allowance to noncurrent loans | 123.5168% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 660 |
| Noncurrent loans to loans | 1.3403% | 1,100 |
| Net loans and leases to total assets | 71.7942% | 1,697 |
| Net loans and leases to deposits | 82.1314% | 2,088 |
| Net loans and leases to core deposits | 86.5336% | 2,273 |
| Total domestic deposits to total assets | 87.4138% | 1,485 |
| Equity capital to assets | 10.5175% | 2,775 |
| Core capital (leverage) ratio | 10.1216% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3302% | 2,057 |
| Memoranda: | ||
| Average total assets | $4,073,457,250 | 284 |
| Average earning assets | $3,758,500,750 | 277 |
| Average equity | $467,949,500 | 269 |
| Average total loans | $2,964,695,500 | 264 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9440% | 3,488 |
| Cost of funding earning assets | 1.0700% | 792 |
| Net interest margin | 2.8740% | 4,351 |
| Noninterest income to average assets | 0.4618% | 2,756 |
| Noninterest expense to average assets | 2.3443% | 3,415 |
| Loan and lease loss provision to assets | 0.5068% | 697 |
| Net operating income to assets | 0.2636% | 4,477 |
| Return on assets (ROA) | 0.4381% | 4,212 |
| Pretax return on assets | 0.4262% | 4,379 |
| Return on Equity (ROE) | 3.7069% | 4,194 |
| Retained earnings to average equity (ytd only) | 2.1666% | 3,692 |
| Net charge-offs to loans | 0.1105% | 1,188 |
| Credit loss provision to net charge-offs | 630.8968% | 1,071 |
| Earnings coverage of net charge-offs (x) | 9.4429% | 2,220 |
| Efficiency ratio | 75.5534% | 1,304 |
| Assets per employee ($millions) | 4.7286% | 3,504 |
| Cash dividends to net income (ytd only)* | 41.5522% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,014 |
| Loan loss allowance to noncurrent loans | 116.7668% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3932% | 704 |
| Noncurrent loans to loans | 1.3685% | 1,129 |
| Net loans and leases to total assets | 70.3148% | 1,984 |
| Net loans and leases to deposits | 80.9404% | 2,321 |
| Net loans and leases to core deposits | 85.1653% | 2,509 |
| Total domestic deposits to total assets | 86.8723% | 1,675 |
| Equity capital to assets | 11.7796% | 1,791 |
| Core capital (leverage) ratio | 10.2996% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5743% | 1,969 |
| Memoranda: | ||
| Average total assets | $4,053,234,667 | 281 |
| Average earning assets | $3,724,823,667 | 276 |
| Average equity | $478,997,000 | 265 |
| Average total loans | $2,946,919,000 | 262 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 3,500 |
| Cost of funding earning assets | 1.1485% | 912 |
| Net interest margin | 2.9618% | 4,347 |
| Noninterest income to average assets | 0.5531% | 2,266 |
| Noninterest expense to average assets | 2.4523% | 3,416 |
| Loan and lease loss provision to assets | 0.4793% | 619 |
| Net operating income to assets | 0.3266% | 4,290 |
| Return on assets (ROA) | 0.4419% | 4,087 |
| Pretax return on assets | 0.4665% | 4,178 |
| Return on Equity (ROE) | 3.7328% | 4,031 |
| Retained earnings to average equity (ytd only) | 0.6195% | 3,840 |
| Net charge-offs to loans | 0.0842% | 1,196 |
| Credit loss provision to net charge-offs | 776.3754% | 673 |
| Earnings coverage of net charge-offs (x) | 13.3560% | 1,656 |
| Efficiency ratio | 74.8361% | 1,705 |
| Assets per employee ($millions) | 4.2618% | 3,574 |
| Cash dividends to net income (ytd only)* | 83.4049% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 1,535 |
| Loan loss allowance to noncurrent loans | 106.1423% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.4637% | 746 |
| Noncurrent loans to loans | 1.3624% | 1,180 |
| Net loans and leases to total assets | 73.1321% | 1,761 |
| Net loans and leases to deposits | 84.2686% | 2,194 |
| Net loans and leases to core deposits | 88.6193% | 2,475 |
| Total domestic deposits to total assets | 86.7845% | 1,653 |
| Equity capital to assets | 11.8650% | 2,172 |
| Core capital (leverage) ratio | 10.4674% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2855% | 2,158 |
| Memoranda: | ||
| Average total assets | $4,003,985,500 | 273 |
| Average earning assets | $3,682,037,500 | 269 |
| Average equity | $473,966,000 | 269 |
| Average total loans | $2,937,034,000 | 258 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 3,584 |
| Cost of funding earning assets | 1.2591% | 864 |
| Net interest margin | 3.0243% | 4,493 |
| Noninterest income to average assets | 0.2409% | 4,235 |
| Noninterest expense to average assets | 2.3016% | 3,941 |
| Loan and lease loss provision to assets | 0.0841% | 2,324 |
| Net operating income to assets | 0.6046% | 4,144 |
| Return on assets (ROA) | 0.6569% | 4,069 |
| Pretax return on assets | 0.6868% | 4,235 |
| Return on Equity (ROE) | 5.7838% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.7838% | 1,984 |
| Net charge-offs to loans | 0.1347% | 1,433 |
| Credit loss provision to net charge-offs | 88.6228% | 2,670 |
| Earnings coverage of net charge-offs (x) | 7.5457% | 2,863 |
| Efficiency ratio | 76.2613% | 1,332 |
| Assets per employee ($millions) | 4.1004% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 1,771 |
| Loan loss allowance to noncurrent loans | 91.9991% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.5091% | 668 |
| Noncurrent loans to loans | 1.4506% | 1,008 |
| Net loans and leases to total assets | 71.5337% | 2,165 |
| Net loans and leases to deposits | 81.7785% | 2,583 |
| Net loans and leases to core deposits | 86.3506% | 2,765 |
| Total domestic deposits to total assets | 87.4726% | 1,379 |
| Equity capital to assets | 11.8097% | 2,274 |
| Core capital (leverage) ratio | 10.4130% | 3,056 |
| Tier 1 risk-based capital ratio | 13.5585% | 3,484 |
| Total risk-based capital ratio | 14.8089% | 3,393 |
| Memoranda: | ||
| Average total assets | $4,045,334,600 | 267 |
| Average earning assets | $3,714,755,800 | 260 |
| Average equity | $459,475,000 | 261 |
| Average total loans | $2,852,447,800 | 262 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 3,726 |
| Cost of funding earning assets | 1.2701% | 863 |
| Net interest margin | 3.0076% | 4,613 |
| Noninterest income to average assets | 0.3344% | 3,733 |
| Noninterest expense to average assets | 2.2013% | 4,178 |
| Loan and lease loss provision to assets | 0.1442% | 1,330 |
| Net operating income to assets | 0.7058% | 3,992 |
| Return on assets (ROA) | 0.7552% | 3,901 |
| Pretax return on assets | 0.8007% | 4,116 |
| Return on Equity (ROE) | 6.7149% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.7149% | 2,004 |
| Net charge-offs to loans | 0.1528% | 1,078 |
| Credit loss provision to net charge-offs | 134.7880% | 1,774 |
| Earnings coverage of net charge-offs (x) | 8.3405% | 2,665 |
| Efficiency ratio | 71.1556% | 1,946 |
| Assets per employee ($millions) | 4.1189% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 1,652 |
| Loan loss allowance to noncurrent loans | 85.6194% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.7467% | 573 |
| Noncurrent loans to loans | 1.6109% | 918 |
| Net loans and leases to total assets | 71.7371% | 2,214 |
| Net loans and leases to deposits | 81.8824% | 2,699 |
| Net loans and leases to core deposits | 86.4075% | 2,872 |
| Total domestic deposits to total assets | 87.6098% | 1,215 |
| Equity capital to assets | 11.7920% | 2,422 |
| Core capital (leverage) ratio | 10.2564% | 3,358 |
| Tier 1 risk-based capital ratio | 13.4563% | 3,598 |
| Total risk-based capital ratio | 14.7075% | 3,502 |
| Memoranda: | ||
| Average total assets | $4,055,141,250 | 268 |
| Average earning assets | $3,720,254,500 | 259 |
| Average equity | $456,066,000 | 266 |
| Average total loans | $2,839,439,750 | 266 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2497% | 3,794 |
| Cost of funding earning assets | 1.2531% | 858 |
| Net interest margin | 2.9966% | 4,698 |
| Noninterest income to average assets | 0.3442% | 3,635 |
| Noninterest expense to average assets | 2.1884% | 4,247 |
| Loan and lease loss provision to assets | 0.1473% | 1,252 |
| Net operating income to assets | 0.7123% | 3,965 |
| Return on assets (ROA) | 0.7558% | 3,871 |
| Pretax return on assets | 0.8013% | 4,092 |
| Return on Equity (ROE) | 6.8291% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.8291% | 1,885 |
| Net charge-offs to loans | 0.1556% | 1,009 |
| Credit loss provision to net charge-offs | 136.9913% | 1,600 |
| Earnings coverage of net charge-offs (x) | 8.3905% | 2,422 |
| Efficiency ratio | 70.8030% | 2,098 |
| Assets per employee ($millions) | 4.0751% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,651 |
| Loan loss allowance to noncurrent loans | 89.0928% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.7113% | 614 |
| Noncurrent loans to loans | 1.5618% | 980 |
| Net loans and leases to total assets | 69.7848% | 2,556 |
| Net loans and leases to deposits | 79.2539% | 3,028 |
| Net loans and leases to core deposits | 83.8308% | 3,119 |
| Total domestic deposits to total assets | 88.0522% | 1,083 |
| Equity capital to assets | 11.4261% | 2,679 |
| Core capital (leverage) ratio | 9.8550% | 3,751 |
| Tier 1 risk-based capital ratio | 13.3315% | 3,675 |
| Total risk-based capital ratio | 14.5826% | 3,572 |
| Memoranda: | ||
| Average total assets | $4,066,829,670 | 268 |
| Average earning assets | $3,727,677,670 | 262 |
| Average equity | $450,072,000 | 268 |
| Average total loans | $2,811,181,330 | 267 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 3,859 |
| Cost of funding earning assets | 1.2070% | 885 |
| Net interest margin | 2.9940% | 4,759 |
| Noninterest income to average assets | 0.3354% | 3,619 |
| Noninterest expense to average assets | 2.1375% | 4,402 |
| Loan and lease loss provision to assets | 0.1599% | 1,055 |
| Net operating income to assets | 0.7385% | 3,808 |
| Return on assets (ROA) | 0.7414% | 3,850 |
| Pretax return on assets | 0.7828% | 4,087 |
| Return on Equity (ROE) | 6.8092% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.8092% | 2,115 |
| Net charge-offs to loans | 0.1805% | 764 |
| Credit loss provision to net charge-offs | 129.7448% | 1,354 |
| Earnings coverage of net charge-offs (x) | 7.6228% | 2,121 |
| Efficiency ratio | 69.4620% | 2,427 |
| Assets per employee ($millions) | 4.0414% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,722 |
| Loan loss allowance to noncurrent loans | 79.8305% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.9561% | 514 |
| Noncurrent loans to loans | 1.7381% | 887 |
| Net loans and leases to total assets | 68.6269% | 2,672 |
| Net loans and leases to deposits | 77.7256% | 3,090 |
| Net loans and leases to core deposits | 81.9434% | 3,190 |
| Total domestic deposits to total assets | 88.2938% | 1,195 |
| Equity capital to assets | 10.9754% | 2,882 |
| Core capital (leverage) ratio | 9.8451% | 3,772 |
| Tier 1 risk-based capital ratio | 13.6133% | 3,549 |
| Total risk-based capital ratio | 14.8648% | 3,461 |
| Memoranda: | ||
| Average total assets | $4,068,790,500 | 267 |
| Average earning assets | $3,726,061,000 | 263 |
| Average equity | $442,991,500 | 271 |
| Average total loans | $2,779,121,000 | 270 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 3,804 |
| Cost of funding earning assets | 1.0226% | 691 |
| Net interest margin | 3.0562% | 4,718 |
| Noninterest income to average assets | 0.1791% | 4,828 |
| Noninterest expense to average assets | 2.2397% | 4,243 |
| Loan and lease loss provision to assets | 0.4138% | 321 |
| Net operating income to assets | 0.2662% | 5,046 |
| Return on assets (ROA) | 0.2920% | 5,013 |
| Pretax return on assets | 0.3510% | 4,999 |
| Return on Equity (ROE) | 2.7472% | 4,950 |
| Retained earnings to average equity (ytd only) | 2.7472% | 4,027 |
| Net charge-offs to loans | 0.4773% | 381 |
| Credit loss provision to net charge-offs | 129.8791% | 2,034 |
| Earnings coverage of net charge-offs (x) | 2.3025% | 3,535 |
| Efficiency ratio | 75.3255% | 1,450 |
| Assets per employee ($millions) | 4.0722% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,455 |
| Loan loss allowance to noncurrent loans | 77.2683% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 2.0896% | 447 |
| Noncurrent loans to loans | 1.8745% | 740 |
| Net loans and leases to total assets | 66.0252% | 3,130 |
| Net loans and leases to deposits | 74.2695% | 3,481 |
| Net loans and leases to core deposits | 78.2976% | 3,554 |
| Total domestic deposits to total assets | 88.8994% | 899 |
| Equity capital to assets | 10.7984% | 2,887 |
| Core capital (leverage) ratio | 9.6919% | 3,908 |
| Tier 1 risk-based capital ratio | 13.9670% | 3,302 |
| Total risk-based capital ratio | 15.2191% | 3,226 |
| Memoranda: | ||
| Average total assets | $4,076,476,600 | 263 |
| Average earning assets | $3,727,026,400 | 261 |
| Average equity | $433,345,600 | 269 |
| Average total loans | $2,721,454,200 | 270 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 3,918 |
| Cost of funding earning assets | 0.9761% | 656 |
| Net interest margin | 3.0279% | 4,807 |
| Noninterest income to average assets | 0.3099% | 4,072 |
| Noninterest expense to average assets | 2.2044% | 4,316 |
| Loan and lease loss provision to assets | 0.5544% | 191 |
| Net operating income to assets | 0.2465% | 5,158 |
| Return on assets (ROA) | 0.2774% | 5,118 |
| Pretax return on assets | 0.3580% | 5,079 |
| Return on Equity (ROE) | 2.6193% | 5,056 |
| Retained earnings to average equity (ytd only) | 2.6193% | 4,362 |
| Net charge-offs to loans | 0.5836% | 256 |
| Credit loss provision to net charge-offs | 142.4212% | 1,778 |
| Earnings coverage of net charge-offs (x) | 2.2436% | 3,264 |
| Efficiency ratio | 71.6243% | 1,951 |
| Assets per employee ($millions) | 4.0730% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,556 |
| Loan loss allowance to noncurrent loans | 82.0341% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 2.1985% | 447 |
| Noncurrent loans to loans | 1.7553% | 881 |
| Net loans and leases to total assets | 68.6124% | 2,849 |
| Net loans and leases to deposits | 77.0003% | 3,323 |
| Net loans and leases to core deposits | 81.1976% | 3,391 |
| Total domestic deposits to total assets | 89.1067% | 813 |
| Equity capital to assets | 10.6168% | 3,028 |
| Core capital (leverage) ratio | 9.5648% | 4,095 |
| Tier 1 risk-based capital ratio | 13.4276% | 3,667 |
| Total risk-based capital ratio | 14.6798% | 3,585 |
| Memoranda: | ||
| Average total assets | $4,085,696,000 | 259 |
| Average earning assets | $3,734,768,000 | 258 |
| Average equity | $432,628,500 | 269 |
| Average total loans | $2,725,230,000 | 270 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 3,954 |
| Cost of funding earning assets | 0.9197% | 677 |
| Net interest margin | 3.0204% | 4,848 |
| Noninterest income to average assets | 0.3927% | 3,538 |
| Noninterest expense to average assets | 2.2007% | 4,370 |
| Loan and lease loss provision to assets | 0.1581% | 1,187 |
| Net operating income to assets | 0.7361% | 4,080 |
| Return on assets (ROA) | 0.7809% | 3,921 |
| Pretax return on assets | 0.8446% | 4,126 |
| Return on Equity (ROE) | 7.3814% | 3,773 |
| Retained earnings to average equity (ytd only) | 7.3814% | 1,893 |
| Net charge-offs to loans | 0.0024% | 3,112 |
| Credit loss provision to net charge-offs | 9,833.3333% | 43 |
| Earnings coverage of net charge-offs (x) | 593.3030% | 147 |
| Efficiency ratio | 69.7608% | 2,358 |
| Assets per employee ($millions) | 4.1772% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 1,737 |
| Loan loss allowance to noncurrent loans | 62.7688% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 2.9693% | 251 |
| Noncurrent loans to loans | 2.2315% | 619 |
| Net loans and leases to total assets | 66.3237% | 3,094 |
| Net loans and leases to deposits | 74.4815% | 3,491 |
| Net loans and leases to core deposits | 78.0432% | 3,578 |
| Total domestic deposits to total assets | 89.0473% | 915 |
| Equity capital to assets | 10.7066% | 2,923 |
| Core capital (leverage) ratio | 9.7807% | 3,808 |
| Tier 1 risk-based capital ratio | 13.6450% | 3,535 |
| Total risk-based capital ratio | 14.8963% | 3,451 |
| Memoranda: | ||
| Average total assets | $4,104,865,330 | 257 |
| Average earning assets | $3,753,688,330 | 255 |
| Average equity | $434,283,330 | 266 |
| Average total loans | $2,698,901,670 | 271 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7732% | 4,292 |
| Cost of funding earning assets | 0.8642% | 710 |
| Net interest margin | 2.9090% | 5,015 |
| Noninterest income to average assets | 0.3425% | 3,858 |
| Noninterest expense to average assets | 2.1609% | 4,504 |
| Loan and lease loss provision to assets | 0.1474% | 1,242 |
| Net operating income to assets | 0.7743% | 3,815 |
| Return on assets (ROA) | 0.8587% | 3,477 |
| Pretax return on assets | 0.7873% | 4,184 |
| Return on Equity (ROE) | 8.1655% | 3,312 |
| Retained earnings to average equity (ytd only) | 8.1655% | 1,780 |
| Net charge-offs to loans | -0.0049% | 4,011 |
| Credit loss provision to net charge-offs | -4,590.9091% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7650% | 2,226 |
| Assets per employee ($millions) | 4.2708% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 1,895 |
| Loan loss allowance to noncurrent loans | 58.3074% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 3.0755% | 256 |
| Noncurrent loans to loans | 2.3762% | 593 |
| Net loans and leases to total assets | 63.8017% | 3,336 |
| Net loans and leases to deposits | 71.5078% | 3,659 |
| Net loans and leases to core deposits | 74.6721% | 3,770 |
| Total domestic deposits to total assets | 89.2235% | 997 |
| Equity capital to assets | 10.5251% | 3,051 |
| Core capital (leverage) ratio | 9.6190% | 3,942 |
| Tier 1 risk-based capital ratio | 13.3053% | 3,779 |
| Total risk-based capital ratio | 14.5558% | 3,685 |
| Memoranda: | ||
| Average total assets | $4,112,542,500 | 253 |
| Average earning assets | $3,772,665,500 | 252 |
| Average equity | $432,501,500 | 268 |
| Average total loans | $2,672,930,000 | 273 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5639% | 4,650 |
| Cost of funding earning assets | 0.9211% | 338 |
| Net interest margin | 2.6428% | 5,320 |
| Noninterest income to average assets | 0.0335% | 5,566 |
| Noninterest expense to average assets | 1.9514% | 5,044 |
| Loan and lease loss provision to assets | 1.0021% | 97 |
| Net operating income to assets | -0.0334% | 5,389 |
| Return on assets (ROA) | -0.0158% | 5,377 |
| Pretax return on assets | -0.4225% | 5,537 |
| Return on Equity (ROE) | -0.1557% | 5,380 |
| Retained earnings to average equity (ytd only) | -0.1557% | 5,058 |
| Net charge-offs to loans | 1.5693% | 99 |
| Credit loss provision to net charge-offs | 101.9302% | 2,514 |
| Earnings coverage of net charge-offs (x) | 0.5616% | 3,984 |
| Efficiency ratio | 77.9072% | 1,368 |
| Assets per employee ($millions) | 4.2703% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 2,143 |
| Loan loss allowance to noncurrent loans | 37.7919% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 3.2402% | 234 |
| Noncurrent loans to loans | 3.4806% | 291 |
| Net loans and leases to total assets | 64.4323% | 3,309 |
| Net loans and leases to deposits | 72.2050% | 3,683 |
| Net loans and leases to core deposits | 75.8512% | 3,756 |
| Total domestic deposits to total assets | 89.2353% | 893 |
| Equity capital to assets | 10.5082% | 3,162 |
| Core capital (leverage) ratio | 9.3282% | 4,252 |
| Tier 1 risk-based capital ratio | 12.9283% | 3,946 |
| Total risk-based capital ratio | 14.1526% | 3,869 |
| Memoranda: | ||
| Average total assets | $4,310,796,400 | 238 |
| Average earning assets | $4,028,972,200 | 233 |
| Average equity | $437,473,800 | 247 |
| Average total loans | $2,700,559,200 | 263 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5059% | 4,804 |
| Cost of funding earning assets | 0.9307% | 293 |
| Net interest margin | 2.5751% | 5,424 |
| Noninterest income to average assets | 0.2547% | 4,683 |
| Noninterest expense to average assets | 1.8048% | 5,266 |
| Loan and lease loss provision to assets | 0.9330% | 111 |
| Net operating income to assets | 0.1133% | 5,438 |
| Return on assets (ROA) | 0.1342% | 5,422 |
| Pretax return on assets | -0.0441% | 5,529 |
| Return on Equity (ROE) | 1.3339% | 5,391 |
| Retained earnings to average equity (ytd only) | 1.3339% | 4,869 |
| Net charge-offs to loans | 1.4478% | 110 |
| Credit loss provision to net charge-offs | 103.8989% | 2,221 |
| Earnings coverage of net charge-offs (x) | 0.9534% | 3,610 |
| Efficiency ratio | 67.7882% | 2,916 |
| Assets per employee ($millions) | 4.3641% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 2,219 |
| Loan loss allowance to noncurrent loans | 28.7597% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 3.6068% | 204 |
| Noncurrent loans to loans | 4.6169% | 189 |
| Net loans and leases to total assets | 63.2255% | 3,525 |
| Net loans and leases to deposits | 70.7589% | 3,897 |
| Net loans and leases to core deposits | 74.1080% | 3,969 |
| Total domestic deposits to total assets | 89.3534% | 722 |
| Equity capital to assets | 10.5064% | 3,367 |
| Core capital (leverage) ratio | 8.9889% | 4,755 |
| Tier 1 risk-based capital ratio | 12.9585% | 4,038 |
| Total risk-based capital ratio | 14.1787% | 3,971 |
| Memoranda: | ||
| Average total assets | $4,360,422,500 | 233 |
| Average earning assets | $4,074,458,750 | 226 |
| Average equity | $438,810,750 | 247 |
| Average total loans | $2,704,458,500 | 260 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4883% | 4,795 |
| Cost of funding earning assets | 0.9331% | 249 |
| Net interest margin | 2.5553% | 5,468 |
| Noninterest income to average assets | 0.2495% | 4,747 |
| Noninterest expense to average assets | 1.7316% | 5,383 |
| Loan and lease loss provision to assets | 0.7526% | 140 |
| Net operating income to assets | 0.2182% | 5,368 |
| Return on assets (ROA) | 0.2182% | 5,383 |
| Pretax return on assets | 0.1609% | 5,457 |
| Return on Equity (ROE) | 2.1987% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.1987% | 4,361 |
| Net charge-offs to loans | 1.0787% | 185 |
| Credit loss provision to net charge-offs | 113.6780% | 1,846 |
| Earnings coverage of net charge-offs (x) | 1.3798% | 3,289 |
| Efficiency ratio | 65.4268% | 3,446 |
| Assets per employee ($millions) | 4.5524% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,091 |
| Loan loss allowance to noncurrent loans | 30.3562% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 3.5936% | 216 |
| Noncurrent loans to loans | 4.5037% | 182 |
| Net loans and leases to total assets | 61.1453% | 3,729 |
| Net loans and leases to deposits | 68.1820% | 4,053 |
| Net loans and leases to core deposits | 71.4409% | 4,131 |
| Total domestic deposits to total assets | 89.6796% | 654 |
| Equity capital to assets | 10.2046% | 3,665 |
| Core capital (leverage) ratio | 8.7795% | 4,973 |
| Tier 1 risk-based capital ratio | 12.7851% | 4,131 |
| Total risk-based capital ratio | 14.0145% | 4,049 |
| Memoranda: | ||
| Average total assets | $4,417,370,670 | 232 |
| Average earning assets | $4,141,253,670 | 223 |
| Average equity | $438,357,000 | 249 |
| Average total loans | $2,711,102,670 | 259 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 4,824 |
| Cost of funding earning assets | 0.9368% | 229 |
| Net interest margin | 2.5147% | 5,539 |
| Noninterest income to average assets | 0.2682% | 4,625 |
| Noninterest expense to average assets | 1.5893% | 5,562 |
| Loan and lease loss provision to assets | 0.3470% | 345 |
| Net operating income to assets | 0.5636% | 4,318 |
| Return on assets (ROA) | 0.5636% | 4,360 |
| Pretax return on assets | 0.6951% | 4,466 |
| Return on Equity (ROE) | 5.7579% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.7579% | 2,467 |
| Net charge-offs to loans | 0.0625% | 1,706 |
| Credit loss provision to net charge-offs | 908.6651% | 352 |
| Earnings coverage of net charge-offs (x) | 27.2881% | 1,279 |
| Efficiency ratio | 60.3609% | 4,411 |
| Assets per employee ($millions) | 4.7588% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 2,117 |
| Loan loss allowance to noncurrent loans | 30.3175% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 3.2716% | 280 |
| Noncurrent loans to loans | 4.5826% | 191 |
| Net loans and leases to total assets | 60.6711% | 3,707 |
| Net loans and leases to deposits | 67.4458% | 4,046 |
| Net loans and leases to core deposits | 71.6102% | 4,019 |
| Total domestic deposits to total assets | 89.9553% | 679 |
| Equity capital to assets | 9.9313% | 3,842 |
| Core capital (leverage) ratio | 8.6227% | 5,126 |
| Tier 1 risk-based capital ratio | 12.5347% | 4,369 |
| Total risk-based capital ratio | 13.7831% | 4,274 |
| Memoranda: | ||
| Average total assets | $4,472,766,500 | 228 |
| Average earning assets | $4,203,091,000 | 221 |
| Average equity | $437,801,000 | 250 |
| Average total loans | $2,731,768,500 | 259 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2684% | 5,211 |
| Cost of funding earning assets | 1.0283% | 144 |
| Net interest margin | 2.2401% | 5,731 |
| Noninterest income to average assets | 0.2116% | 5,149 |
| Noninterest expense to average assets | 1.5819% | 5,659 |
| Loan and lease loss provision to assets | 0.3695% | 447 |
| Net operating income to assets | 0.3333% | 5,135 |
| Return on assets (ROA) | 0.3333% | 5,208 |
| Pretax return on assets | 0.3676% | 5,268 |
| Return on Equity (ROE) | 3.6854% | 4,938 |
| Retained earnings to average equity (ytd only) | 1.8686% | 4,469 |
| Net charge-offs to loans | 0.3832% | 701 |
| Credit loss provision to net charge-offs | 173.5770% | 1,601 |
| Earnings coverage of net charge-offs (x) | 3.4624% | 3,667 |
| Efficiency ratio | 68.1851% | 3,204 |
| Assets per employee ($millions) | 4.8499% | 2,571 |
| Cash dividends to net income (ytd only)* | 49.2960% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,742 |
| Loan loss allowance to noncurrent loans | 28.7304% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 3.1881% | 292 |
| Noncurrent loans to loans | 4.3957% | 215 |
| Net loans and leases to total assets | 59.8661% | 3,869 |
| Net loans and leases to deposits | 66.3728% | 4,217 |
| Net loans and leases to core deposits | 70.7885% | 4,173 |
| Total domestic deposits to total assets | 90.1967% | 561 |
| Equity capital to assets | 9.6470% | 4,121 |
| Core capital (leverage) ratio | 8.0970% | 5,567 |
| Tier 1 risk-based capital ratio | 12.2206% | 4,561 |
| Total risk-based capital ratio | 13.3453% | 4,542 |
| Memoranda: | ||
| Average total assets | $4,794,544,200 | 209 |
| Average earning assets | $4,510,592,200 | 201 |
| Average equity | $433,575,600 | 242 |
| Average total loans | $2,663,833,800 | 249 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2555% | 5,268 |
| Cost of funding earning assets | 1.0375% | 139 |
| Net interest margin | 2.2180% | 5,811 |
| Noninterest income to average assets | 0.1805% | 5,377 |
| Noninterest expense to average assets | 1.4304% | 5,808 |
| Loan and lease loss provision to assets | 0.1415% | 1,657 |
| Net operating income to assets | 0.5436% | 4,520 |
| Return on assets (ROA) | 0.5436% | 4,629 |
| Pretax return on assets | 0.6966% | 4,617 |
| Return on Equity (ROE) | 6.1061% | 4,020 |
| Retained earnings to average equity (ytd only) | 3.6823% | 3,686 |
| Net charge-offs to loans | 0.0585% | 2,519 |
| Credit loss provision to net charge-offs | 444.7890% | 781 |
| Earnings coverage of net charge-offs (x) | 26.3506% | 1,602 |
| Efficiency ratio | 63.0244% | 4,070 |
| Assets per employee ($millions) | 5.1120% | 2,240 |
| Cash dividends to net income (ytd only)* | 39.6946% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 3,445 |
| Loan loss allowance to noncurrent loans | 28.1325% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 2.9500% | 400 |
| Noncurrent loans to loans | 4.1453% | 255 |
| Net loans and leases to total assets | 55.3694% | 4,373 |
| Net loans and leases to deposits | 61.1891% | 4,675 |
| Net loans and leases to core deposits | 67.2190% | 4,530 |
| Total domestic deposits to total assets | 90.4891% | 325 |
| Equity capital to assets | 9.2437% | 4,930 |
| Core capital (leverage) ratio | 8.0590% | 5,657 |
| Tier 1 risk-based capital ratio | 12.3005% | 4,611 |
| Total risk-based capital ratio | 13.3072% | 4,658 |
| Memoranda: | ||
| Average total assets | $4,866,798,000 | 206 |
| Average earning assets | $4,581,604,500 | 202 |
| Average equity | $433,307,000 | 243 |
| Average total loans | $2,646,846,500 | 249 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2455% | 5,374 |
| Cost of funding earning assets | 1.0419% | 129 |
| Net interest margin | 2.2036% | 5,902 |
| Noninterest income to average assets | 0.1527% | 5,541 |
| Noninterest expense to average assets | 1.3648% | 5,910 |
| Loan and lease loss provision to assets | 0.0795% | 2,552 |
| Net operating income to assets | 0.5955% | 4,291 |
| Return on assets (ROA) | 0.5955% | 4,413 |
| Pretax return on assets | 0.7833% | 4,341 |
| Return on Equity (ROE) | 6.7715% | 3,658 |
| Retained earnings to average equity (ytd only) | 4.3381% | 3,159 |
| Net charge-offs to loans | 0.0772% | 2,090 |
| Credit loss provision to net charge-offs | 191.1765% | 1,347 |
| Earnings coverage of net charge-offs (x) | 20.7569% | 1,710 |
| Efficiency ratio | 61.2363% | 4,472 |
| Assets per employee ($millions) | 5.2520% | 2,034 |
| Cash dividends to net income (ytd only)* | 35.9362% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 4,301 |
| Loan loss allowance to noncurrent loans | 25.2206% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 2.9110% | 430 |
| Noncurrent loans to loans | 4.1149% | 276 |
| Net loans and leases to total assets | 54.2744% | 4,480 |
| Net loans and leases to deposits | 59.7230% | 4,813 |
| Net loans and leases to core deposits | 66.2686% | 4,591 |
| Total domestic deposits to total assets | 90.8769% | 215 |
| Equity capital to assets | 8.8864% | 5,323 |
| Core capital (leverage) ratio | 7.7136% | 5,840 |
| Tier 1 risk-based capital ratio | 11.8179% | 4,963 |
| Total risk-based capital ratio | 12.6952% | 5,080 |
| Memoranda: | ||
| Average total assets | $4,907,749,670 | 205 |
| Average earning assets | $4,621,167,670 | 200 |
| Average equity | $431,570,670 | 243 |
| Average total loans | $2,643,233,000 | 251 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2764% | 5,364 |
| Cost of funding earning assets | 1.0434% | 126 |
| Net interest margin | 2.2330% | 5,951 |
| Noninterest income to average assets | 0.2709% | 4,794 |
| Noninterest expense to average assets | 1.3684% | 5,971 |
| Loan and lease loss provision to assets | 0.0794% | 2,369 |
| Net operating income to assets | 0.6788% | 3,826 |
| Return on assets (ROA) | 0.6788% | 3,944 |
| Pretax return on assets | 0.9232% | 3,752 |
| Return on Equity (ROE) | 7.7596% | 3,058 |
| Retained earnings to average equity (ytd only) | 5.3134% | 2,758 |
| Net charge-offs to loans | 0.0177% | 2,582 |
| Credit loss provision to net charge-offs | 840.5172% | 418 |
| Earnings coverage of net charge-offs (x) | 106.0776% | 522 |
| Efficiency ratio | 57.6858% | 5,034 |
| Assets per employee ($millions) | 5.3174% | 2,017 |
| Cash dividends to net income (ytd only)* | 31.5246% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 4,254 |
| Loan loss allowance to noncurrent loans | 24.6840% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 3.1713% | 384 |
| Noncurrent loans to loans | 4.3181% | 262 |
| Net loans and leases to total assets | 52.4970% | 4,578 |
| Net loans and leases to deposits | 57.6927% | 4,871 |
| Net loans and leases to core deposits | 63.9854% | 4,693 |
| Total domestic deposits to total assets | 90.9942% | 277 |
| Equity capital to assets | 8.7786% | 5,358 |
| Core capital (leverage) ratio | 7.6272% | 5,894 |
| Tier 1 risk-based capital ratio | 11.5594% | 5,193 |
| Total risk-based capital ratio | 12.1764% | 5,450 |
| Memoranda: | ||
| Average total assets | $4,908,940,500 | 205 |
| Average earning assets | $4,616,842,500 | 200 |
| Average equity | $429,401,000 | 241 |
| Average total loans | $2,619,710,500 | 249 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3939% | 5,172 |
| Cost of funding earning assets | 1.0646% | 122 |
| Net interest margin | 2.3293% | 5,932 |
| Noninterest income to average assets | 0.3016% | 4,721 |
| Noninterest expense to average assets | 1.3857% | 6,039 |
| Loan and lease loss provision to assets | 0.0690% | 2,916 |
| Net operating income to assets | 0.8182% | 3,255 |
| Return on assets (ROA) | 0.8182% | 3,336 |
| Pretax return on assets | 1.0322% | 3,337 |
| Return on Equity (ROE) | 9.5272% | 2,209 |
| Retained earnings to average equity (ytd only) | 6.9718% | 1,291 |
| Net charge-offs to loans | 0.0183% | 3,912 |
| Credit loss provision to net charge-offs | 730.0885% | 458 |
| Earnings coverage of net charge-offs (x) | 116.5907% | 515 |
| Efficiency ratio | 53.6377% | 5,542 |
| Assets per employee ($millions) | 5.3603% | 1,944 |
| Cash dividends to net income (ytd only)* | 26.8221% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 4,450 |
| Loan loss allowance to noncurrent loans | 26.6365% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 2.9577% | 444 |
| Noncurrent loans to loans | 3.8576% | 326 |
| Net loans and leases to total assets | 53.1200% | 4,585 |
| Net loans and leases to deposits | 58.3599% | 4,893 |
| Net loans and leases to core deposits | 65.8219% | 4,611 |
| Total domestic deposits to total assets | 91.0215% | 273 |
| Equity capital to assets | 8.7158% | 5,376 |
| Core capital (leverage) ratio | 7.6080% | 5,951 |
| Tier 1 risk-based capital ratio | 11.3644% | 5,336 |
| Total risk-based capital ratio | 12.0305% | 5,551 |
| Memoranda: | ||
| Average total assets | $4,786,013,400 | 200 |
| Average earning assets | $4,489,714,200 | 192 |
| Average equity | $411,014,200 | 240 |
| Average total loans | $2,463,424,200 | 247 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3983% | 5,209 |
| Cost of funding earning assets | 1.0522% | 131 |
| Net interest margin | 2.3460% | 6,006 |
| Noninterest income to average assets | 0.2941% | 4,838 |
| Noninterest expense to average assets | 1.4247% | 6,084 |
| Loan and lease loss provision to assets | 0.0693% | 2,790 |
| Net operating income to assets | 0.7527% | 3,668 |
| Return on assets (ROA) | 0.7527% | 3,767 |
| Pretax return on assets | 1.0009% | 3,610 |
| Return on Equity (ROE) | 8.7983% | 2,680 |
| Retained earnings to average equity (ytd only) | 6.2183% | 2,108 |
| Net charge-offs to loans | 0.0119% | 3,757 |
| Credit loss provision to net charge-offs | 1,145.8333% | 328 |
| Earnings coverage of net charge-offs (x) | 176.8536% | 408 |
| Efficiency ratio | 54.3283% | 5,487 |
| Assets per employee ($millions) | 5.2891% | 1,963 |
| Cash dividends to net income (ytd only)* | 29.3233% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 4,523 |
| Loan loss allowance to noncurrent loans | 104.4550% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.4037% | 1,639 |
| Noncurrent loans to loans | 0.9959% | 2,496 |
| Net loans and leases to total assets | 51.1710% | 4,835 |
| Net loans and leases to deposits | 56.0968% | 5,114 |
| Net loans and leases to core deposits | 63.6078% | 4,840 |
| Total domestic deposits to total assets | 91.2190% | 203 |
| Equity capital to assets | 8.4935% | 5,715 |
| Core capital (leverage) ratio | 7.4715% | 6,061 |
| Tier 1 risk-based capital ratio | 11.5288% | 5,357 |
| Total risk-based capital ratio | 12.0476% | 5,687 |
| Memoranda: | ||
| Average total assets | $4,759,024,750 | 202 |
| Average earning assets | $4,464,458,000 | 196 |
| Average equity | $407,130,500 | 247 |
| Average total loans | $2,422,613,500 | 253 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4327% | 5,156 |
| Cost of funding earning assets | 1.0415% | 135 |
| Net interest margin | 2.3912% | 6,047 |
| Noninterest income to average assets | 0.2990% | 4,817 |
| Noninterest expense to average assets | 1.4869% | 6,122 |
| Loan and lease loss provision to assets | 0.0701% | 2,705 |
| Net operating income to assets | 0.7383% | 3,697 |
| Return on assets (ROA) | 0.7383% | 3,805 |
| Pretax return on assets | 0.9825% | 3,657 |
| Return on Equity (ROE) | 8.6090% | 2,748 |
| Retained earnings to average equity (ytd only) | 6.0082% | 2,240 |
| Net charge-offs to loans | 0.0032% | 3,795 |
| Credit loss provision to net charge-offs | 4,342.1053% | 100 |
| Earnings coverage of net charge-offs (x) | 652.2105% | 96 |
| Efficiency ratio | 54.4319% | 5,551 |
| Assets per employee ($millions) | 5.2025% | 2,033 |
| Cash dividends to net income (ytd only)* | 30.2100% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 4,686 |
| Loan loss allowance to noncurrent loans | 102.6015% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.4350% | 1,740 |
| Noncurrent loans to loans | 1.0089% | 2,629 |
| Net loans and leases to total assets | 51.3309% | 4,816 |
| Net loans and leases to deposits | 56.3039% | 5,105 |
| Net loans and leases to core deposits | 63.7868% | 4,820 |
| Total domestic deposits to total assets | 91.1676% | 261 |
| Equity capital to assets | 8.5481% | 5,643 |
| Core capital (leverage) ratio | 7.4158% | 6,116 |
| Tier 1 risk-based capital ratio | 11.3312% | 5,559 |
| Total risk-based capital ratio | 12.1646% | 5,674 |
| Memoranda: | ||
| Average total assets | $4,709,278,330 | 210 |
| Average earning assets | $4,412,340,670 | 200 |
| Average equity | $403,880,000 | 250 |
| Average total loans | $2,384,148,670 | 258 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 5,082 |
| Cost of funding earning assets | 1.0300% | 151 |
| Net interest margin | 2.4216% | 6,084 |
| Noninterest income to average assets | 0.2947% | 4,815 |
| Noninterest expense to average assets | 1.5315% | 6,161 |
| Loan and lease loss provision to assets | 0.0707% | 2,523 |
| Net operating income to assets | 0.7245% | 3,669 |
| Return on assets (ROA) | 0.7245% | 3,806 |
| Pretax return on assets | 0.9576% | 3,658 |
| Return on Equity (ROE) | 8.4330% | 2,733 |
| Retained earnings to average equity (ytd only) | 5.8133% | 2,599 |
| Net charge-offs to loans | 0.0045% | 3,170 |
| Credit loss provision to net charge-offs | 3,173.0769% | 121 |
| Earnings coverage of net charge-offs (x) | 461.3077% | 121 |
| Efficiency ratio | 53.5921% | 5,711 |
| Assets per employee ($millions) | 5.1044% | 2,224 |
| Cash dividends to net income (ytd only)* | 31.0651% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 4,690 |
| Loan loss allowance to noncurrent loans | 89.5419% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.5184% | 1,716 |
| Noncurrent loans to loans | 1.1884% | 2,394 |
| Net loans and leases to total assets | 49.3266% | 4,911 |
| Net loans and leases to deposits | 54.1297% | 5,180 |
| Net loans and leases to core deposits | 61.2897% | 4,886 |
| Total domestic deposits to total assets | 91.1267% | 324 |
| Equity capital to assets | 8.5876% | 5,674 |
| Core capital (leverage) ratio | 7.4149% | 6,171 |
| Tier 1 risk-based capital ratio | 11.2028% | 5,711 |
| Total risk-based capital ratio | 11.3207% | 6,105 |
| Memoranda: | ||
| Average total assets | $4,665,557,000 | 211 |
| Average earning assets | $4,364,086,000 | 201 |
| Average equity | $400,806,500 | 247 |
| Average total loans | $2,332,246,000 | 258 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3807% | 5,567 |
| Cost of funding earning assets | 1.0444% | 188 |
| Net interest margin | 2.3362% | 6,253 |
| Noninterest income to average assets | 0.3141% | 4,874 |
| Noninterest expense to average assets | 1.4992% | 6,297 |
| Loan and lease loss provision to assets | 0.0645% | 3,221 |
| Net operating income to assets | 0.7196% | 3,796 |
| Return on assets (ROA) | 0.7196% | 3,904 |
| Pretax return on assets | 0.9308% | 3,776 |
| Return on Equity (ROE) | 8.6717% | 2,744 |
| Retained earnings to average equity (ytd only) | 5.9497% | 1,957 |
| Net charge-offs to loans | 0.0114% | 4,674 |
| Credit loss provision to net charge-offs | 1,200.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 185.1400% | 289 |
| Efficiency ratio | 53.6788% | 5,868 |
| Assets per employee ($millions) | 5.0823% | 2,228 |
| Cash dividends to net income (ytd only)* | 31.3897% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 4,853 |
| Loan loss allowance to noncurrent loans | 92.0186% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.5133% | 1,795 |
| Noncurrent loans to loans | 1.1306% | 2,576 |
| Net loans and leases to total assets | 49.6006% | 5,008 |
| Net loans and leases to deposits | 54.4970% | 5,293 |
| Net loans and leases to core deposits | 61.5015% | 5,041 |
| Total domestic deposits to total assets | 91.0153% | 359 |
| Equity capital to assets | 8.5939% | 5,648 |
| Core capital (leverage) ratio | 7.3237% | 6,254 |
| Tier 1 risk-based capital ratio | 11.2581% | 5,787 |
| Total risk-based capital ratio | 12.0686% | 5,912 |
| Memoranda: | ||
| Average total assets | $4,650,123,200 | 196 |
| Average earning assets | $4,340,177,800 | 187 |
| Average equity | $385,853,400 | 240 |
| Average total loans | $2,187,631,200 | 253 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3647% | 5,645 |
| Cost of funding earning assets | 1.0520% | 187 |
| Net interest margin | 2.3127% | 6,334 |
| Noninterest income to average assets | 0.3000% | 5,053 |
| Noninterest expense to average assets | 1.4883% | 6,361 |
| Loan and lease loss provision to assets | 0.0644% | 3,059 |
| Net operating income to assets | 0.6830% | 4,023 |
| Return on assets (ROA) | 0.6830% | 4,114 |
| Pretax return on assets | 0.9052% | 3,959 |
| Return on Equity (ROE) | 8.3054% | 3,036 |
| Retained earnings to average equity (ytd only) | 5.5621% | 2,697 |
| Net charge-offs to loans | 0.0102% | 4,380 |
| Credit loss provision to net charge-offs | 1,363.6364% | 253 |
| Earnings coverage of net charge-offs (x) | 205.1921% | 315 |
| Efficiency ratio | 54.0410% | 5,819 |
| Assets per employee ($millions) | 5.1303% | 2,101 |
| Cash dividends to net income (ytd only)* | 33.0300% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 5,039 |
| Loan loss allowance to noncurrent loans | 103.8254% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.4211% | 2,173 |
| Noncurrent loans to loans | 0.9994% | 3,072 |
| Net loans and leases to total assets | 47.8535% | 5,218 |
| Net loans and leases to deposits | 52.4166% | 5,507 |
| Net loans and leases to core deposits | 58.6415% | 5,294 |
| Total domestic deposits to total assets | 91.2947% | 282 |
| Equity capital to assets | 8.3548% | 5,903 |
| Core capital (leverage) ratio | 7.1312% | 6,367 |
| Tier 1 risk-based capital ratio | 11.2430% | 5,896 |
| Total risk-based capital ratio | 12.0498% | 6,040 |
| Memoranda: | ||
| Average total assets | $4,655,168,750 | 194 |
| Average earning assets | $4,343,707,000 | 187 |
| Average equity | $382,843,250 | 241 |
| Average total loans | $2,154,383,750 | 253 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 5,645 |
| Cost of funding earning assets | 1.0646% | 181 |
| Net interest margin | 2.3243% | 6,396 |
| Noninterest income to average assets | 0.3044% | 4,968 |
| Noninterest expense to average assets | 1.4943% | 6,428 |
| Loan and lease loss provision to assets | 0.0646% | 2,976 |
| Net operating income to assets | 0.6884% | 3,908 |
| Return on assets (ROA) | 0.6884% | 3,996 |
| Pretax return on assets | 0.9129% | 3,833 |
| Return on Equity (ROE) | 8.4160% | 2,887 |
| Retained earnings to average equity (ytd only) | 5.6530% | 2,545 |
| Net charge-offs to loans | 0.0104% | 4,048 |
| Credit loss provision to net charge-offs | 1,363.6364% | 264 |
| Earnings coverage of net charge-offs (x) | 206.4727% | 323 |
| Efficiency ratio | 53.9707% | 5,913 |
| Assets per employee ($millions) | 5.0470% | 2,151 |
| Cash dividends to net income (ytd only)* | 32.8312% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 5,195 |
| Loan loss allowance to noncurrent loans | 141.1962% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.3007% | 2,511 |
| Noncurrent loans to loans | 0.7314% | 3,868 |
| Net loans and leases to total assets | 46.9209% | 5,277 |
| Net loans and leases to deposits | 51.3837% | 5,536 |
| Net loans and leases to core deposits | 57.4244% | 5,312 |
| Total domestic deposits to total assets | 91.3146% | 307 |
| Equity capital to assets | 8.2883% | 5,957 |
| Core capital (leverage) ratio | 6.9915% | 6,431 |
| Tier 1 risk-based capital ratio | 11.1197% | 6,003 |
| Total risk-based capital ratio | 11.9096% | 6,142 |
| Memoranda: | ||
| Average total assets | $4,647,279,330 | 195 |
| Average earning assets | $4,333,275,670 | 189 |
| Average equity | $380,155,000 | 238 |
| Average total loans | $2,118,356,670 | 253 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3497% | 5,752 |
| Cost of funding earning assets | 1.0812% | 174 |
| Net interest margin | 2.2685% | 6,493 |
| Noninterest income to average assets | 0.2903% | 5,053 |
| Noninterest expense to average assets | 1.4846% | 6,502 |
| Loan and lease loss provision to assets | 0.0646% | 2,832 |
| Net operating income to assets | 0.6490% | 3,955 |
| Return on assets (ROA) | 0.6490% | 4,051 |
| Pretax return on assets | 0.8567% | 3,874 |
| Return on Equity (ROE) | 7.9864% | 2,936 |
| Retained earnings to average equity (ytd only) | 5.2031% | 2,993 |
| Net charge-offs to loans | 0.0044% | 3,584 |
| Credit loss provision to net charge-offs | 3,260.8696% | 113 |
| Earnings coverage of net charge-offs (x) | 465.0870% | 87 |
| Efficiency ratio | 55.0405% | 5,920 |
| Assets per employee ($millions) | 4.9964% | 2,254 |
| Cash dividends to net income (ytd only)* | 34.8507% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 5,373 |
| Loan loss allowance to noncurrent loans | 110.1105% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.4149% | 2,503 |
| Noncurrent loans to loans | 0.9412% | 3,536 |
| Net loans and leases to total assets | 45.6507% | 5,365 |
| Net loans and leases to deposits | 49.9568% | 5,602 |
| Net loans and leases to core deposits | 55.1738% | 5,425 |
| Total domestic deposits to total assets | 91.3804% | 420 |
| Equity capital to assets | 8.2099% | 5,903 |
| Core capital (leverage) ratio | 6.7916% | 6,509 |
| Tier 1 risk-based capital ratio | 10.9967% | 6,160 |
| Total risk-based capital ratio | 11.7722% | 6,291 |
| Memoranda: | ||
| Average total assets | $4,644,250,500 | 194 |
| Average earning assets | $4,331,322,500 | 184 |
| Average equity | $377,391,500 | 239 |
| Average total loans | $2,074,451,000 | 253 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 5,745 |
| Cost of funding earning assets | 1.2347% | 149 |
| Net interest margin | 2.2104% | 6,576 |
| Noninterest income to average assets | 0.2771% | 5,370 |
| Noninterest expense to average assets | 1.5117% | 6,568 |
| Loan and lease loss provision to assets | 0.0587% | 3,964 |
| Net operating income to assets | 0.5652% | 4,431 |
| Return on assets (ROA) | 0.5672% | 4,532 |
| Pretax return on assets | 0.7646% | 4,281 |
| Return on Equity (ROE) | 7.0991% | 3,512 |
| Retained earnings to average equity (ytd only) | 4.2397% | 3,162 |
| Net charge-offs to loans | 0.0347% | 4,750 |
| Credit loss provision to net charge-offs | 397.6436% | 575 |
| Earnings coverage of net charge-offs (x) | 55.5773% | 731 |
| Efficiency ratio | 57.8663% | 5,754 |
| Assets per employee ($millions) | 5.0127% | 2,166 |
| Cash dividends to net income (ytd only)* | 40.2784% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 5,305 |
| Loan loss allowance to noncurrent loans | 99.8134% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.4236% | 2,613 |
| Noncurrent loans to loans | 1.0638% | 3,386 |
| Net loans and leases to total assets | 42.7575% | 5,771 |
| Net loans and leases to deposits | 46.6847% | 5,969 |
| Net loans and leases to core deposits | 51.8095% | 5,807 |
| Total domestic deposits to total assets | 91.5879% | 378 |
| Equity capital to assets | 8.0427% | 5,986 |
| Core capital (leverage) ratio | 6.6167% | 6,580 |
| Tier 1 risk-based capital ratio | 11.2018% | 6,075 |
| Total risk-based capital ratio | 11.9811% | 6,240 |
| Memoranda: | ||
| Average total assets | $4,597,678,400 | 189 |
| Average earning assets | $4,275,302,600 | 179 |
| Average equity | $367,316,400 | 236 |
| Average total loans | $1,959,000,400 | 258 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4819% | 5,731 |
| Cost of funding earning assets | 1.2709% | 142 |
| Net interest margin | 2.2110% | 6,641 |
| Noninterest income to average assets | 0.2637% | 5,561 |
| Noninterest expense to average assets | 1.5053% | 6,639 |
| Loan and lease loss provision to assets | 0.0589% | 3,868 |
| Net operating income to assets | 0.5715% | 4,467 |
| Return on assets (ROA) | 0.5741% | 4,591 |
| Pretax return on assets | 0.7570% | 4,469 |
| Return on Equity (ROE) | 7.1983% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.3242% | 3,598 |
| Net charge-offs to loans | 0.0160% | 4,811 |
| Credit loss provision to net charge-offs | 865.3846% | 348 |
| Earnings coverage of net charge-offs (x) | 119.3171% | 435 |
| Efficiency ratio | 57.9319% | 5,696 |
| Assets per employee ($millions) | 4.9831% | 2,186 |
| Cash dividends to net income (ytd only)* | 39.9280% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 5,416 |
| Loan loss allowance to noncurrent loans | 153.7042% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 1.2618% | 3,114 |
| Noncurrent loans to loans | 0.7013% | 4,448 |
| Net loans and leases to total assets | 41.9515% | 5,906 |
| Net loans and leases to deposits | 45.8329% | 6,113 |
| Net loans and leases to core deposits | 50.9096% | 5,960 |
| Total domestic deposits to total assets | 91.5314% | 359 |
| Equity capital to assets | 8.0188% | 6,143 |
| Core capital (leverage) ratio | 6.5666% | 6,654 |
| Tier 1 risk-based capital ratio | 11.0734% | 6,247 |
| Total risk-based capital ratio | 11.8450% | 6,395 |
| Memoranda: | ||
| Average total assets | $4,581,645,250 | 186 |
| Average earning assets | $4,256,409,000 | 178 |
| Average equity | $365,411,250 | 237 |
| Average total loans | $1,945,084,000 | 260 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5031% | 5,686 |
| Cost of funding earning assets | 1.3009% | 140 |
| Net interest margin | 2.2021% | 6,678 |
| Noninterest income to average assets | 0.2733% | 5,496 |
| Noninterest expense to average assets | 1.5037% | 6,666 |
| Loan and lease loss provision to assets | 0.0591% | 3,822 |
| Net operating income to assets | 0.5720% | 4,439 |
| Return on assets (ROA) | 0.5760% | 4,591 |
| Pretax return on assets | 0.7611% | 4,464 |
| Return on Equity (ROE) | 7.2351% | 3,477 |
| Retained earnings to average equity (ytd only) | 4.3453% | 3,506 |
| Net charge-offs to loans | 0.0142% | 4,563 |
| Credit loss provision to net charge-offs | 978.2609% | 318 |
| Earnings coverage of net charge-offs (x) | 134.8261% | 366 |
| Efficiency ratio | 57.8154% | 5,762 |
| Assets per employee ($millions) | 4.8793% | 2,261 |
| Cash dividends to net income (ytd only)* | 39.9422% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 5,617 |
| Loan loss allowance to noncurrent loans | 167.5458% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 3,347 |
| Noncurrent loans to loans | 0.6282% | 4,685 |
| Net loans and leases to total assets | 41.7917% | 5,913 |
| Net loans and leases to deposits | 45.5944% | 6,134 |
| Net loans and leases to core deposits | 50.6373% | 5,984 |
| Total domestic deposits to total assets | 91.6597% | 324 |
| Equity capital to assets | 7.9314% | 6,245 |
| Core capital (leverage) ratio | 6.5192% | 6,697 |
| Tier 1 risk-based capital ratio | 10.8655% | 6,391 |
| Total risk-based capital ratio | 11.6147% | 6,521 |
| Memoranda: | ||
| Average total assets | $4,565,759,000 | 185 |
| Average earning assets | $4,240,976,670 | 178 |
| Average equity | $363,476,670 | 237 |
| Average total loans | $1,939,037,000 | 258 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6000% | 5,456 |
| Cost of funding earning assets | 1.3063% | 154 |
| Net interest margin | 2.2937% | 6,688 |
| Noninterest income to average assets | 0.2779% | 5,466 |
| Noninterest expense to average assets | 1.5257% | 6,722 |
| Loan and lease loss provision to assets | 0.0596% | 3,646 |
| Net operating income to assets | 0.6157% | 4,138 |
| Return on assets (ROA) | 0.6236% | 4,260 |
| Pretax return on assets | 0.8318% | 4,036 |
| Return on Equity (ROE) | 7.8178% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.9128% | 3,289 |
| Net charge-offs to loans | 0.0313% | 3,594 |
| Credit loss provision to net charge-offs | 447.0199% | 596 |
| Earnings coverage of net charge-offs (x) | 66.1126% | 547 |
| Efficiency ratio | 56.5704% | 6,009 |
| Assets per employee ($millions) | 4.8730% | 2,390 |
| Cash dividends to net income (ytd only)* | 37.1586% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 5,911 |
| Loan loss allowance to noncurrent loans | 153.1445% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 3,555 |
| Noncurrent loans to loans | 0.6674% | 4,787 |
| Net loans and leases to total assets | 41.6582% | 5,869 |
| Net loans and leases to deposits | 45.4245% | 6,092 |
| Net loans and leases to core deposits | 50.0233% | 5,972 |
| Total domestic deposits to total assets | 91.7086% | 305 |
| Equity capital to assets | 7.8669% | 6,447 |
| Core capital (leverage) ratio | 6.4794% | 6,750 |
| Tier 1 risk-based capital ratio | 10.8547% | 6,463 |
| Total risk-based capital ratio | 11.5895% | 6,610 |
| Memoranda: | ||
| Average total assets | $4,533,395,000 | 188 |
| Average earning assets | $4,206,988,000 | 182 |
| Average equity | $361,584,500 | 242 |
| Average total loans | $1,930,684,000 | 261 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 5,390 |
| Cost of funding earning assets | 1.4315% | 222 |
| Net interest margin | 2.5419% | 6,684 |
| Noninterest income to average assets | 0.2998% | 5,317 |
| Noninterest expense to average assets | 1.6338% | 6,776 |
| Loan and lease loss provision to assets | 0.0564% | 5,082 |
| Net operating income to assets | 0.7127% | 3,683 |
| Return on assets (ROA) | 0.7127% | 3,940 |
| Pretax return on assets | 0.9657% | 3,679 |
| Return on Equity (ROE) | 8.6722% | 2,807 |
| Retained earnings to average equity (ytd only) | 5.6705% | 2,273 |
| Net charge-offs to loans | 0.0105% | 5,785 |
| Credit loss provision to net charge-offs | 1,170.7317% | 222 |
| Earnings coverage of net charge-offs (x) | 212.3024% | 204 |
| Efficiency ratio | 54.9032% | 6,188 |
| Assets per employee ($millions) | 4.2797% | 3,400 |
| Cash dividends to net income (ytd only)* | 34.6130% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 5,924 |
| Loan loss allowance to noncurrent loans | 117.1302% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.2701% | 3,525 |
| Noncurrent loans to loans | 0.8636% | 4,455 |
| Net loans and leases to total assets | 42.6721% | 5,933 |
| Net loans and leases to deposits | 46.6788% | 6,202 |
| Net loans and leases to core deposits | 51.8044% | 6,027 |
| Total domestic deposits to total assets | 91.4166% | 362 |
| Equity capital to assets | 8.0896% | 6,360 |
| Core capital (leverage) ratio | 6.5925% | 6,777 |
| Tier 1 risk-based capital ratio | 11.1434% | 6,293 |
| Total risk-based capital ratio | 11.8924% | 6,461 |
| Memoranda: | ||
| Average total assets | $4,258,089,200 | 193 |
| Average earning assets | $3,946,821,200 | 185 |
| Average equity | $349,934,000 | 247 |
| Average total loans | $1,950,906,800 | 255 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 5,407 |
| Cost of funding earning assets | 1.4437% | 255 |
| Net interest margin | 2.5946% | 6,763 |
| Noninterest income to average assets | 0.2724% | 5,607 |
| Noninterest expense to average assets | 1.5999% | 6,876 |
| Loan and lease loss provision to assets | 0.0570% | 5,021 |
| Net operating income to assets | 0.7621% | 3,641 |
| Return on assets (ROA) | 0.7621% | 3,889 |
| Pretax return on assets | 1.0217% | 3,629 |
| Return on Equity (ROE) | 9.2359% | 2,701 |
| Retained earnings to average equity (ytd only) | 6.2143% | 2,557 |
| Net charge-offs to loans | 0.0071% | 5,638 |
| Credit loss provision to net charge-offs | 1,730.7692% | 154 |
| Earnings coverage of net charge-offs (x) | 327.6710% | 140 |
| Efficiency ratio | 53.1004% | 6,341 |
| Assets per employee ($millions) | 4.5390% | 2,845 |
| Cash dividends to net income (ytd only)* | 32.7159% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 6,196 |
| Loan loss allowance to noncurrent loans | 126.6322% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 4,704 |
| Noncurrent loans to loans | 0.7646% | 4,884 |
| Net loans and leases to total assets | 44.8106% | 5,890 |
| Net loans and leases to deposits | 49.1055% | 6,184 |
| Net loans and leases to core deposits | 54.4056% | 6,015 |
| Total domestic deposits to total assets | 91.2538% | 344 |
| Equity capital to assets | 8.2582% | 6,454 |
| Core capital (leverage) ratio | 6.7361% | 6,837 |
| Tier 1 risk-based capital ratio | 11.1483% | 6,418 |
| Total risk-based capital ratio | 11.8908% | 6,606 |
| Memoranda: | ||
| Average total assets | $4,212,037,250 | 195 |
| Average earning assets | $3,906,187,250 | 189 |
| Average equity | $347,576,500 | 250 |
| Average total loans | $1,959,885,000 | 251 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0339% | 5,538 |
| Cost of funding earning assets | 1.4455% | 291 |
| Net interest margin | 2.5884% | 6,826 |
| Noninterest income to average assets | 0.2805% | 5,566 |
| Noninterest expense to average assets | 1.6186% | 6,909 |
| Loan and lease loss provision to assets | 0.0574% | 4,943 |
| Net operating income to assets | 0.7526% | 3,592 |
| Return on assets (ROA) | 0.7526% | 3,868 |
| Pretax return on assets | 1.0026% | 3,702 |
| Return on Equity (ROE) | 9.1231% | 2,754 |
| Retained earnings to average equity (ytd only) | 6.0772% | 2,668 |
| Net charge-offs to loans | 0.0069% | 5,388 |
| Credit loss provision to net charge-offs | 1,764.7059% | 181 |
| Earnings coverage of net charge-offs (x) | 325.8235% | 127 |
| Efficiency ratio | 53.7474% | 6,339 |
| Assets per employee ($millions) | 4.5909% | 2,740 |
| Cash dividends to net income (ytd only)* | 33.3863% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 6,385 |
| Loan loss allowance to noncurrent loans | 152.4523% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 4,984 |
| Noncurrent loans to loans | 0.6089% | 5,298 |
| Net loans and leases to total assets | 45.4701% | 5,866 |
| Net loans and leases to deposits | 49.7629% | 6,197 |
| Net loans and leases to core deposits | 55.2205% | 6,005 |
| Total domestic deposits to total assets | 91.3735% | 336 |
| Equity capital to assets | 8.1450% | 6,492 |
| Core capital (leverage) ratio | 6.5603% | 6,915 |
| Tier 1 risk-based capital ratio | 10.9690% | 6,515 |
| Total risk-based capital ratio | 11.6955% | 6,699 |
| Memoranda: | ||
| Average total assets | $4,180,216,330 | 194 |
| Average earning assets | $3,872,994,000 | 188 |
| Average equity | $344,861,670 | 248 |
| Average total loans | $1,963,483,330 | 251 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 5,511 |
| Cost of funding earning assets | 1.4507% | 351 |
| Net interest margin | 2.6333% | 6,852 |
| Noninterest income to average assets | 0.3108% | 5,398 |
| Noninterest expense to average assets | 1.6341% | 6,948 |
| Loan and lease loss provision to assets | 0.0582% | 4,684 |
| Net operating income to assets | 0.7928% | 3,409 |
| Return on assets (ROA) | 0.7928% | 3,653 |
| Pretax return on assets | 1.0544% | 3,488 |
| Return on Equity (ROE) | 9.5462% | 2,584 |
| Retained earnings to average equity (ytd only) | 6.4775% | 2,704 |
| Net charge-offs to loans | 0.0063% | 4,658 |
| Credit loss provision to net charge-offs | 1,935.4839% | 171 |
| Earnings coverage of net charge-offs (x) | 369.8387% | 81 |
| Efficiency ratio | 52.8849% | 6,453 |
| Assets per employee ($millions) | 4.3962% | 3,203 |
| Cash dividends to net income (ytd only)* | 32.1459% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 6,535 |
| Loan loss allowance to noncurrent loans | 150.3686% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7248% | 5,096 |
| Noncurrent loans to loans | 0.5977% | 5,464 |
| Net loans and leases to total assets | 45.7911% | 5,806 |
| Net loans and leases to deposits | 50.0922% | 6,132 |
| Net loans and leases to core deposits | 55.3779% | 5,959 |
| Total domestic deposits to total assets | 91.4135% | 398 |
| Equity capital to assets | 8.0752% | 6,464 |
| Core capital (leverage) ratio | 6.7570% | 6,920 |
| Tier 1 risk-based capital ratio | 10.7906% | 6,626 |
| Total risk-based capital ratio | 11.4991% | 6,813 |
| Memoranda: | ||
| Average total assets | $4,121,765,000 | 196 |
| Average earning assets | $3,812,704,500 | 190 |
| Average equity | $342,292,500 | 245 |
| Average total loans | $1,959,118,500 | 248 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 5,349 |
| Cost of funding earning assets | 1.6369% | 415 |
| Net interest margin | 2.7821% | 6,837 |
| Noninterest income to average assets | 0.3032% | 5,367 |
| Noninterest expense to average assets | 1.8094% | 6,944 |
| Loan and lease loss provision to assets | 0.0475% | 5,985 |
| Net operating income to assets | 0.7745% | 3,155 |
| Return on assets (ROA) | 0.7936% | 3,231 |
| Pretax return on assets | 1.0094% | 3,207 |
| Return on Equity (ROE) | 9.1444% | 2,390 |
| Retained earnings to average equity (ytd only) | 5.9534% | 2,043 |
| Net charge-offs to loans | 0.0036% | 6,398 |
| Credit loss provision to net charge-offs | 2,686.5672% | 82 |
| Earnings coverage of net charge-offs (x) | 584.5522% | 50 |
| Efficiency ratio | 56.7263% | 6,226 |
| Assets per employee ($millions) | 3.9784% | 3,907 |
| Cash dividends to net income (ytd only)* | 34.8962% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 6,571 |
| Loan loss allowance to noncurrent loans | 102.9921% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 5,087 |
| Noncurrent loans to loans | 0.8580% | 4,972 |
| Net loans and leases to total assets | 48.5242% | 5,777 |
| Net loans and leases to deposits | 53.3688% | 6,120 |
| Net loans and leases to core deposits | 58.6839% | 5,955 |
| Total domestic deposits to total assets | 90.9224% | 534 |
| Equity capital to assets | 8.5513% | 6,070 |
| Core capital (leverage) ratio | 7.0086% | 6,861 |
| Tier 1 risk-based capital ratio | 10.9411% | 6,484 |
| Total risk-based capital ratio | 11.6544% | 6,705 |
| Memoranda: | ||
| Average total assets | $3,792,375,400 | 208 |
| Average earning assets | $3,460,975,800 | 202 |
| Average equity | $329,107,200 | 244 |
| Average total loans | $1,861,695,000 | 250 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 5,339 |
| Cost of funding earning assets | 1.6841% | 423 |
| Net interest margin | 2.7871% | 6,898 |
| Noninterest income to average assets | 0.2954% | 5,495 |
| Noninterest expense to average assets | 1.8352% | 6,942 |
| Loan and lease loss provision to assets | 0.0480% | 5,843 |
| Net operating income to assets | 0.7394% | 3,432 |
| Return on assets (ROA) | 0.7648% | 3,481 |
| Pretax return on assets | 0.9809% | 3,469 |
| Return on Equity (ROE) | 8.7789% | 2,696 |
| Retained earnings to average equity (ytd only) | 5.5622% | 2,814 |
| Net charge-offs to loans | 0.0160% | 5,929 |
| Credit loss provision to net charge-offs | 610.8597% | 439 |
| Earnings coverage of net charge-offs (x) | 126.7327% | 292 |
| Efficiency ratio | 57.7655% | 6,051 |
| Assets per employee ($millions) | 3.8355% | 4,227 |
| Cash dividends to net income (ytd only)* | 36.6406% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 6,634 |
| Loan loss allowance to noncurrent loans | 82.3494% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 4,965 |
| Noncurrent loans to loans | 1.0805% | 4,752 |
| Net loans and leases to total assets | 48.0805% | 5,942 |
| Net loans and leases to deposits | 53.0224% | 6,286 |
| Net loans and leases to core deposits | 58.6171% | 6,081 |
| Total domestic deposits to total assets | 90.6796% | 560 |
| Equity capital to assets | 8.6878% | 6,097 |
| Core capital (leverage) ratio | 7.1042% | 6,926 |
| Tier 1 risk-based capital ratio | 11.6788% | 6,122 |
| Total risk-based capital ratio | 12.4340% | 6,427 |
| Memoranda: | ||
| Average total assets | $3,747,867,500 | 208 |
| Average earning assets | $3,410,482,500 | 203 |
| Average equity | $326,503,750 | 247 |
| Average total loans | $1,841,172,750 | 250 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 5,317 |
| Cost of funding earning assets | 1.7446% | 396 |
| Net interest margin | 2.7680% | 6,961 |
| Noninterest income to average assets | 0.3222% | 5,316 |
| Noninterest expense to average assets | 1.8922% | 6,963 |
| Loan and lease loss provision to assets | 0.0484% | 5,710 |
| Net operating income to assets | 0.7228% | 3,427 |
| Return on assets (ROA) | 0.7622% | 3,367 |
| Pretax return on assets | 0.9473% | 3,442 |
| Return on Equity (ROE) | 8.7409% | 2,622 |
| Retained earnings to average equity (ytd only) | 5.5011% | 2,692 |
| Net charge-offs to loans | 0.0073% | 5,762 |
| Credit loss provision to net charge-offs | 1,343.2836% | 263 |
| Earnings coverage of net charge-offs (x) | 262.5672% | 129 |
| Efficiency ratio | 59.5713% | 5,933 |
| Assets per employee ($millions) | 3.6373% | 4,594 |
| Cash dividends to net income (ytd only)* | 37.0650% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 6,725 |
| Loan loss allowance to noncurrent loans | 76.2163% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 4,936 |
| Noncurrent loans to loans | 1.1444% | 4,746 |
| Net loans and leases to total assets | 49.8078% | 5,845 |
| Net loans and leases to deposits | 55.1218% | 6,217 |
| Net loans and leases to core deposits | 60.9486% | 6,007 |
| Total domestic deposits to total assets | 90.3595% | 783 |
| Equity capital to assets | 8.8549% | 5,761 |
| Core capital (leverage) ratio | 6.9048% | 7,029 |
| Tier 1 risk-based capital ratio | 11.3272% | 6,299 |
| Total risk-based capital ratio | 12.0611% | 6,626 |
| Memoranda: | ||
| Average total assets | $3,717,390,000 | 213 |
| Average earning assets | $3,379,495,000 | 207 |
| Average equity | $324,155,330 | 249 |
| Average total loans | $1,834,055,330 | 252 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 5,385 |
| Cost of funding earning assets | 1.7824% | 403 |
| Net interest margin | 2.7032% | 7,017 |
| Noninterest income to average assets | 0.3167% | 5,392 |
| Noninterest expense to average assets | 1.8925% | 6,999 |
| Loan and lease loss provision to assets | 0.0484% | 5,396 |
| Net operating income to assets | 0.6873% | 3,569 |
| Return on assets (ROA) | 0.6873% | 3,638 |
| Pretax return on assets | 0.8315% | 3,783 |
| Return on Equity (ROE) | 7.9438% | 2,937 |
| Retained earnings to average equity (ytd only) | 4.6810% | 3,387 |
| Net charge-offs to loans | 0.0103% | 4,952 |
| Credit loss provision to net charge-offs | 957.4468% | 401 |
| Earnings coverage of net charge-offs (x) | 174.0638% | 184 |
| Efficiency ratio | 61.0094% | 5,831 |
| Assets per employee ($millions) | 3.6700% | 4,607 |
| Cash dividends to net income (ytd only)* | 41.0734% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 6,770 |
| Loan loss allowance to noncurrent loans | 106.9231% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 5,304 |
| Noncurrent loans to loans | 0.8154% | 5,404 |
| Net loans and leases to total assets | 48.2716% | 6,047 |
| Net loans and leases to deposits | 53.3224% | 6,358 |
| Net loans and leases to core deposits | 57.8492% | 6,273 |
| Total domestic deposits to total assets | 90.5278% | 827 |
| Equity capital to assets | 8.6725% | 5,689 |
| Core capital (leverage) ratio | 6.8092% | 7,077 |
| Tier 1 risk-based capital ratio | 11.1188% | 6,422 |
| Total risk-based capital ratio | 11.8382% | 6,742 |
| Memoranda: | ||
| Average total assets | $3,719,238,000 | 211 |
| Average earning assets | $3,378,668,000 | 205 |
| Average equity | $321,811,000 | 247 |
| Average total loans | $1,818,091,000 | 254 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 5,193 |
| Cost of funding earning assets | 2.0885% | 446 |
| Net interest margin | 2.7731% | 7,061 |
| Noninterest income to average assets | 0.2706% | 5,850 |
| Noninterest expense to average assets | 1.9715% | 7,069 |
| Loan and lease loss provision to assets | 0.0420% | 6,745 |
| Net operating income to assets | 0.6383% | 3,494 |
| Return on assets (ROA) | 0.6383% | 3,649 |
| Pretax return on assets | 0.7581% | 3,768 |
| Return on Equity (ROE) | 7.2529% | 3,003 |
| Retained earnings to average equity (ytd only) | 3.9093% | 3,124 |
| Net charge-offs to loans | 0.0192% | 6,620 |
| Credit loss provision to net charge-offs | 424.9292% | 556 |
| Earnings coverage of net charge-offs (x) | 80.9008% | 301 |
| Efficiency ratio | 63.5707% | 5,420 |
| Assets per employee ($millions) | 3.6441% | 4,595 |
| Cash dividends to net income (ytd only)* | 46.1002% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 6,858 |
| Loan loss allowance to noncurrent loans | 93.8442% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8450% | 5,315 |
| Noncurrent loans to loans | 0.9049% | 5,250 |
| Net loans and leases to total assets | 48.6553% | 6,316 |
| Net loans and leases to deposits | 53.7445% | 6,628 |
| Net loans and leases to core deposits | 58.2528% | 6,538 |
| Total domestic deposits to total assets | 90.5309% | 816 |
| Equity capital to assets | 8.6325% | 5,682 |
| Core capital (leverage) ratio | 6.7384% | 7,132 |
| Tier 1 risk-based capital ratio | 10.9488% | 6,364 |
| Total risk-based capital ratio | 11.6534% | 6,743 |
| Memoranda: | ||
| Average total assets | $3,569,123,000 | 219 |
| Average earning assets | $3,218,929,400 | 216 |
| Average equity | $314,122,400 | 251 |
| Average total loans | $1,836,195,000 | 258 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 5,171 |
| Cost of funding earning assets | 2.1336% | 478 |
| Net interest margin | 2.7867% | 7,145 |
| Noninterest income to average assets | 0.2799% | 5,866 |
| Noninterest expense to average assets | 1.9772% | 7,088 |
| Loan and lease loss provision to assets | 0.0424% | 6,663 |
| Net operating income to assets | 0.6755% | 3,525 |
| Return on assets (ROA) | 0.6755% | 3,683 |
| Pretax return on assets | 0.7692% | 4,013 |
| Return on Equity (ROE) | 7.6368% | 3,050 |
| Retained earnings to average equity (ytd only) | 4.2787% | 3,483 |
| Net charge-offs to loans | 0.0259% | 6,308 |
| Credit loss provision to net charge-offs | 315.1261% | 1,000 |
| Earnings coverage of net charge-offs (x) | 60.2771% | 484 |
| Efficiency ratio | 63.3108% | 5,378 |
| Assets per employee ($millions) | 3.5669% | 4,810 |
| Cash dividends to net income (ytd only)* | 43.9723% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 7,004 |
| Loan loss allowance to noncurrent loans | 91.9827% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 5,362 |
| Noncurrent loans to loans | 0.8703% | 5,479 |
| Net loans and leases to total assets | 51.6086% | 6,147 |
| Net loans and leases to deposits | 57.0961% | 6,532 |
| Net loans and leases to core deposits | 62.2426% | 6,441 |
| Total domestic deposits to total assets | 90.3889% | 682 |
| Equity capital to assets | 8.7834% | 5,885 |
| Core capital (leverage) ratio | 6.7540% | 7,272 |
| Tier 1 risk-based capital ratio | 10.8905% | 6,468 |
| Total risk-based capital ratio | 11.5840% | 6,874 |
| Memoranda: | ||
| Average total assets | $3,534,886,500 | 218 |
| Average earning assets | $3,182,714,000 | 215 |
| Average equity | $312,671,000 | 246 |
| Average total loans | $1,840,583,000 | 261 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9884% | 4,994 |
| Cost of funding earning assets | 2.1505% | 547 |
| Net interest margin | 2.8379% | 7,092 |
| Noninterest income to average assets | 0.2543% | 6,091 |
| Noninterest expense to average assets | 1.9998% | 7,112 |
| Loan and lease loss provision to assets | 0.0428% | 6,549 |
| Net operating income to assets | 0.6689% | 3,532 |
| Return on assets (ROA) | 0.6689% | 3,680 |
| Pretax return on assets | 0.7621% | 4,019 |
| Return on Equity (ROE) | 7.5440% | 3,095 |
| Retained earnings to average equity (ytd only) | 4.1678% | 3,415 |
| Net charge-offs to loans | 0.0158% | 6,122 |
| Credit loss provision to net charge-offs | 520.8333% | 712 |
| Earnings coverage of net charge-offs (x) | 98.0208% | 335 |
| Efficiency ratio | 63.7025% | 5,386 |
| Assets per employee ($millions) | 3.4953% | 4,940 |
| Cash dividends to net income (ytd only)* | 44.7532% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 7,028 |
| Loan loss allowance to noncurrent loans | 89.6415% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8217% | 5,479 |
| Noncurrent loans to loans | 0.8952% | 5,481 |
| Net loans and leases to total assets | 51.0197% | 6,304 |
| Net loans and leases to deposits | 56.3625% | 6,695 |
| Net loans and leases to core deposits | 61.5884% | 6,583 |
| Total domestic deposits to total assets | 90.5206% | 678 |
| Equity capital to assets | 8.7000% | 5,883 |
| Core capital (leverage) ratio | 6.9388% | 7,225 |
| Tier 1 risk-based capital ratio | 10.9394% | 6,305 |
| Total risk-based capital ratio | 11.6426% | 6,758 |
| Memoranda: | ||
| Average total assets | $3,507,567,330 | 220 |
| Average earning assets | $3,152,303,670 | 216 |
| Average equity | $311,000,670 | 247 |
| Average total loans | $1,826,889,000 | 264 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 4,946 |
| Cost of funding earning assets | 2.2053% | 581 |
| Net interest margin | 2.8106% | 7,165 |
| Noninterest income to average assets | 0.2832% | 5,873 |
| Noninterest expense to average assets | 1.9348% | 7,278 |
| Loan and lease loss provision to assets | 0.0434% | 6,240 |
| Net operating income to assets | 0.7178% | 3,357 |
| Return on assets (ROA) | 0.7178% | 3,468 |
| Pretax return on assets | 0.8266% | 3,759 |
| Return on Equity (ROE) | 8.0172% | 2,876 |
| Retained earnings to average equity (ytd only) | 4.6239% | 3,364 |
| Net charge-offs to loans | 0.0132% | 5,396 |
| Credit loss provision to net charge-offs | 625.0000% | 695 |
| Earnings coverage of net charge-offs (x) | 125.2833% | 263 |
| Efficiency ratio | 61.2652% | 5,950 |
| Assets per employee ($millions) | 3.4473% | 5,158 |
| Cash dividends to net income (ytd only)* | 42.3251% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 7,138 |
| Loan loss allowance to noncurrent loans | 69.7489% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.9374% | 5,272 |
| Noncurrent loans to loans | 1.1408% | 5,090 |
| Net loans and leases to total assets | 51.7044% | 6,302 |
| Net loans and leases to deposits | 57.2217% | 6,681 |
| Net loans and leases to core deposits | 63.6712% | 6,475 |
| Total domestic deposits to total assets | 90.3581% | 798 |
| Equity capital to assets | 8.8338% | 5,488 |
| Core capital (leverage) ratio | 6.8564% | 7,324 |
| Tier 1 risk-based capital ratio | 10.7949% | 6,350 |
| Total risk-based capital ratio | 11.4873% | 6,850 |
| Memoranda: | ||
| Average total assets | $3,456,013,000 | 227 |
| Average earning assets | $3,100,716,000 | 224 |
| Average equity | $309,436,500 | 251 |
| Average total loans | $1,811,805,000 | 278 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4648% | 4,358 |
| Cost of funding earning assets | 2.6153% | 746 |
| Net interest margin | 2.8495% | 6,971 |
| Noninterest income to average assets | 0.2989% | 5,959 |
| Noninterest expense to average assets | 2.2016% | 6,991 |
| Loan and lease loss provision to assets | 0.0391% | 7,156 |
| Net operating income to assets | 0.5093% | 3,691 |
| Return on assets (ROA) | 0.5093% | 3,782 |
| Pretax return on assets | 0.5905% | 3,924 |
| Return on Equity (ROE) | 5.1123% | 3,624 |
| Retained earnings to average equity (ytd only) | 1.6747% | 3,914 |
| Net charge-offs to loans | 0.0345% | 6,783 |
| Credit loss provision to net charge-offs | 203.3898% | 1,906 |
| Earnings coverage of net charge-offs (x) | 32.7305% | 709 |
| Efficiency ratio | 69.1481% | 4,795 |
| Assets per employee ($millions) | 3.2680% | 5,565 |
| Cash dividends to net income (ytd only)* | 67.2428% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 7,132 |
| Loan loss allowance to noncurrent loans | 71.0855% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 5,214 |
| Noncurrent loans to loans | 1.1252% | 5,081 |
| Net loans and leases to total assets | 52.3205% | 6,387 |
| Net loans and leases to deposits | 58.0707% | 6,782 |
| Net loans and leases to core deposits | 76.9727% | 6,339 |
| Total domestic deposits to total assets | 90.0980% | 916 |
| Equity capital to assets | 9.0780% | 5,016 |
| Core capital (leverage) ratio | 7.0824% | 7,167 |
| Tier 1 risk-based capital ratio | 10.9755% | 5,935 |
| Total risk-based capital ratio | 11.6791% | 6,443 |
| Memoranda: | ||
| Average total assets | $3,066,927,200 | 243 |
| Average earning assets | $2,725,561,000 | 244 |
| Average equity | $305,554,600 | 246 |
| Average total loans | $1,707,971,600 | 299 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6089% | 3,816 |
| Cost of funding earning assets | 2.6974% | 796 |
| Net interest margin | 2.9115% | 6,833 |
| Noninterest income to average assets | 0.2865% | 6,185 |
| Noninterest expense to average assets | 2.1904% | 7,005 |
| Loan and lease loss provision to assets | 0.0402% | 6,965 |
| Net operating income to assets | 0.5538% | 3,773 |
| Return on assets (ROA) | 0.5538% | 3,863 |
| Pretax return on assets | 0.6372% | 4,064 |
| Return on Equity (ROE) | 5.4218% | 3,776 |
| Retained earnings to average equity (ytd only) | 1.9783% | 4,221 |
| Net charge-offs to loans | 0.0425% | 6,310 |
| Credit loss provision to net charge-offs | 167.2862% | 2,801 |
| Earnings coverage of net charge-offs (x) | 28.2024% | 972 |
| Efficiency ratio | 67.6474% | 5,051 |
| Assets per employee ($millions) | 3.0446% | 6,052 |
| Cash dividends to net income (ytd only)* | 63.5118% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 7,152 |
| Loan loss allowance to noncurrent loans | 67.8975% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.9972% | 5,079 |
| Noncurrent loans to loans | 1.1648% | 4,994 |
| Net loans and leases to total assets | 55.3342% | 6,224 |
| Net loans and leases to deposits | 61.8641% | 6,686 |
| Net loans and leases to core deposits | 80.5236% | 6,302 |
| Total domestic deposits to total assets | 89.4448% | 994 |
| Equity capital to assets | 9.6416% | 4,568 |
| Core capital (leverage) ratio | 7.3649% | 7,114 |
| Tier 1 risk-based capital ratio | 11.2810% | 5,649 |
| Total risk-based capital ratio | 11.9973% | 6,172 |
| Memoranda: | ||
| Average total assets | $2,986,428,250 | 257 |
| Average earning assets | $2,647,816,750 | 264 |
| Average equity | $305,031,250 | 253 |
| Average total loans | $1,688,114,750 | 317 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7512% | 3,289 |
| Cost of funding earning assets | 2.7484% | 908 |
| Net interest margin | 3.0029% | 6,544 |
| Noninterest income to average assets | 0.3031% | 6,095 |
| Noninterest expense to average assets | 2.2458% | 6,929 |
| Loan and lease loss provision to assets | 0.0411% | 6,825 |
| Net operating income to assets | 0.5865% | 3,735 |
| Return on assets (ROA) | 0.5865% | 3,843 |
| Pretax return on assets | 0.6718% | 4,094 |
| Return on Equity (ROE) | 5.6276% | 3,814 |
| Retained earnings to average equity (ytd only) | 2.1764% | 4,134 |
| Net charge-offs to loans | 0.0553% | 5,717 |
| Credit loss provision to net charge-offs | 130.7190% | 3,566 |
| Earnings coverage of net charge-offs (x) | 22.6797% | 1,216 |
| Efficiency ratio | 67.2492% | 5,304 |
| Assets per employee ($millions) | 2.8916% | 6,413 |
| Cash dividends to net income (ytd only)* | 61.3265% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 7,182 |
| Loan loss allowance to noncurrent loans | 76.1902% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9552% | 5,071 |
| Noncurrent loans to loans | 1.0398% | 5,140 |
| Net loans and leases to total assets | 57.2473% | 6,062 |
| Net loans and leases to deposits | 64.3792% | 6,527 |
| Net loans and leases to core deposits | 83.5657% | 6,118 |
| Total domestic deposits to total assets | 88.9220% | 1,303 |
| Equity capital to assets | 10.1117% | 3,804 |
| Core capital (leverage) ratio | 7.6003% | 6,902 |
| Tier 1 risk-based capital ratio | 11.2269% | 5,664 |
| Total risk-based capital ratio | 11.9361% | 6,136 |
| Memoranda: | ||
| Average total assets | $2,920,336,670 | 271 |
| Average earning assets | $2,582,605,330 | 276 |
| Average equity | $304,356,330 | 259 |
| Average total loans | $1,658,726,670 | 332 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7893% | 3,357 |
| Cost of funding earning assets | 2.7928% | 1,001 |
| Net interest margin | 2.9965% | 6,485 |
| Noninterest income to average assets | 0.3488% | 5,653 |
| Noninterest expense to average assets | 2.1969% | 6,874 |
| Loan and lease loss provision to assets | 0.0418% | 6,447 |
| Net operating income to assets | 0.6679% | 3,719 |
| Return on assets (ROA) | 0.6679% | 3,894 |
| Pretax return on assets | 0.7548% | 4,238 |
| Return on Equity (ROE) | 6.3093% | 3,893 |
| Retained earnings to average equity (ytd only) | 2.8510% | 4,285 |
| Net charge-offs to loans | 0.0077% | 5,562 |
| Credit loss provision to net charge-offs | 967.7419% | 646 |
| Earnings coverage of net charge-offs (x) | 184.2581% | 233 |
| Efficiency ratio | 64.6774% | 5,568 |
| Assets per employee ($millions) | 2.7855% | 6,683 |
| Cash dividends to net income (ytd only)* | 54.8131% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 6,937 |
| Loan loss allowance to noncurrent loans | 67.0076% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9268% | 4,875 |
| Noncurrent loans to loans | 1.2779% | 4,424 |
| Net loans and leases to total assets | 55.0364% | 6,350 |
| Net loans and leases to deposits | 62.0164% | 6,739 |
| Net loans and leases to core deposits | 78.5934% | 6,492 |
| Total domestic deposits to total assets | 88.7449% | 1,362 |
| Equity capital to assets | 10.3783% | 3,581 |
| Core capital (leverage) ratio | 7.7635% | 6,797 |
| Tier 1 risk-based capital ratio | 11.3090% | 5,586 |
| Total risk-based capital ratio | 12.0377% | 6,011 |
| Memoranda: | ||
| Average total assets | $2,868,177,000 | 278 |
| Average earning assets | $2,531,497,000 | 283 |
| Average equity | $303,613,000 | 261 |
| Average total loans | $1,615,409,500 | 341 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8275% | 6,343 |
| Cost of funding earning assets | 3.1473% | 1,361 |
| Net interest margin | 2.6802% | 7,535 |
| Noninterest income to average assets | 0.3639% | 5,804 |
| Noninterest expense to average assets | 2.3225% | 6,634 |
| Loan and lease loss provision to assets | 0.0327% | 6,998 |
| Net operating income to assets | 0.3161% | 5,491 |
| Return on assets (ROA) | 0.3161% | 5,307 |
| Pretax return on assets | 0.3602% | 5,357 |
| Return on Equity (ROE) | 2.9167% | 5,266 |
| Retained earnings to average equity (ytd only) | -0.5157% | 5,441 |
| Net charge-offs to loans | 0.0383% | 6,259 |
| Credit loss provision to net charge-offs | 155.7093% | 3,352 |
| Earnings coverage of net charge-offs (x) | 18.7266% | 1,685 |
| Efficiency ratio | 75.5357% | 3,319 |
| Assets per employee ($millions) | 2.6222% | 6,955 |
| Cash dividends to net income (ytd only)* | 117.6808% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 6,877 |
| Loan loss allowance to noncurrent loans | 61.4438% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0263% | 4,260 |
| Noncurrent loans to loans | 1.3912% | 3,730 |
| Net loans and leases to total assets | 56.6824% | 6,362 |
| Net loans and leases to deposits | 64.2454% | 6,769 |
| Net loans and leases to core deposits | 80.2875% | 6,597 |
| Total domestic deposits to total assets | 88.2279% | 1,368 |
| Equity capital to assets | 10.8028% | 3,202 |
| Core capital (leverage) ratio | 7.9953% | 6,500 |
| Tier 1 risk-based capital ratio | 11.9991% | 4,832 |
| Total risk-based capital ratio | 12.7745% | 5,112 |
| Memoranda: | ||
| Average total assets | $2,755,076,000 | 275 |
| Average earning assets | $2,417,182,000 | 282 |
| Average equity | $298,625,200 | 270 |
| Average total loans | $1,509,924,000 | 348 |