Home > CENTRAL BANK OF ST. LOUIS > Performance and Condition Ratios
CENTRAL BANK OF ST. LOUIS, Performance and Condition Ratios
| 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 | 3.2722% | 3,456 |
| Cost of funding earning assets | 0.1320% | 4,251 |
| Net interest margin | 3.1402% | 2,937 |
| Noninterest income to average assets | 1.5365% | 526 |
| Noninterest expense to average assets | 2.3983% | 2,446 |
| Loan and lease loss provision to assets | 0.0449% | 2,098 |
| Net operating income to assets | 1.6014% | 1,027 |
| Return on assets (ROA) | 1.6024% | 1,068 |
| Pretax return on assets | 2.0446% | 744 |
| Return on Equity (ROE) | 16.0899% | 931 |
| Retained earnings to average equity (ytd only) | 10.0357% | 1,301 |
| Net charge-offs to loans | -0.0279% | 4,099 |
| Credit loss provision to net charge-offs | -223.7705% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4570% | 3,875 |
| Assets per employee ($millions) | 10.3674% | 574 |
| Cash dividends to net income (ytd only)* | 37.6274% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,705 |
| Loan loss allowance to noncurrent loans | 744.9784% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 2,799 |
| Noncurrent loans to loans | 0.1988% | 3,157 |
| Net loans and leases to total assets | 70.3822% | 1,047 |
| Net loans and leases to deposits | 97.2285% | 304 |
| Net loans and leases to core deposits | 99.3955% | 612 |
| Total domestic deposits to total assets | 72.3884% | 4,675 |
| Equity capital to assets | 10.3746% | 2,551 |
| Core capital (leverage) ratio | 9.1434% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8239% | 2,765 |
| Memoranda: | ||
| Average total assets | $2,432,404,250 | 450 |
| Average earning assets | $2,285,082,000 | 443 |
| Average equity | $242,250,000 | 459 |
| Average total loans | $1,749,925,750 | 405 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2915% | 3,452 |
| Cost of funding earning assets | 0.1328% | 4,329 |
| Net interest margin | 3.1586% | 2,875 |
| Noninterest income to average assets | 1.5890% | 494 |
| Noninterest expense to average assets | 2.4771% | 2,216 |
| Loan and lease loss provision to assets | 0.0651% | 1,743 |
| Net operating income to assets | 1.5868% | 1,076 |
| Return on assets (ROA) | 1.5879% | 1,133 |
| Pretax return on assets | 2.0161% | 818 |
| Return on Equity (ROE) | 16.1703% | 925 |
| Retained earnings to average equity (ytd only) | 6.9416% | 2,454 |
| Net charge-offs to loans | -0.0446% | 4,317 |
| Credit loss provision to net charge-offs | -202.5641% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3589% | 3,755 |
| Assets per employee ($millions) | 10.2160% | 573 |
| Cash dividends to net income (ytd only)* | 57.0717% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 1,621 |
| Loan loss allowance to noncurrent loans | 729.7153% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 2,900 |
| Noncurrent loans to loans | 0.2042% | 3,227 |
| Net loans and leases to total assets | 68.6450% | 1,367 |
| Net loans and leases to deposits | 93.9080% | 465 |
| Net loans and leases to core deposits | 96.1419% | 797 |
| Total domestic deposits to total assets | 73.0982% | 4,686 |
| Equity capital to assets | 9.7609% | 3,081 |
| Core capital (leverage) ratio | 8.7559% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8038% | 2,775 |
| Memoranda: | ||
| Average total assets | $2,427,640,000 | 445 |
| Average earning assets | $2,281,045,667 | 440 |
| Average equity | $238,388,000 | 463 |
| Average total loans | $1,750,592,000 | 405 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3964% | 3,204 |
| Cost of funding earning assets | 0.1375% | 4,397 |
| Net interest margin | 3.2589% | 2,519 |
| Noninterest income to average assets | 1.6532% | 513 |
| Noninterest expense to average assets | 2.6507% | 1,737 |
| Loan and lease loss provision to assets | 0.0778% | 1,636 |
| Net operating income to assets | 1.5650% | 1,190 |
| Return on assets (ROA) | 1.5650% | 1,254 |
| Pretax return on assets | 1.9922% | 956 |
| Return on Equity (ROE) | 15.8880% | 1,040 |
| Retained earnings to average equity (ytd only) | 2.3245% | 3,947 |
| Net charge-offs to loans | 0.0143% | 1,458 |
| Credit loss provision to net charge-offs | 739.6825% | 503 |
| Earnings coverage of net charge-offs (x) | 196.7460% | 403 |
| Efficiency ratio | 56.1503% | 3,528 |
| Assets per employee ($millions) | 10.0598% | 583 |
| Cash dividends to net income (ytd only)* | 85.3698% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,884 |
| Loan loss allowance to noncurrent loans | 627.8070% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 2,970 |
| Noncurrent loans to loans | 0.2257% | 3,292 |
| Net loans and leases to total assets | 70.8772% | 1,172 |
| Net loans and leases to deposits | 97.6733% | 355 |
| Net loans and leases to core deposits | 100.4642% | 696 |
| Total domestic deposits to total assets | 72.5656% | 4,708 |
| Equity capital to assets | 9.5964% | 3,107 |
| Core capital (leverage) ratio | 8.7182% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2837% | 2,871 |
| Memoranda: | ||
| Average total assets | $2,395,109,500 | 442 |
| Average earning assets | $2,254,525,500 | 433 |
| Average equity | $235,926,500 | 461 |
| Average total loans | $1,757,389,000 | 404 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 3,480 |
| Cost of funding earning assets | 0.2811% | 4,238 |
| Net interest margin | 3.4546% | 2,618 |
| Noninterest income to average assets | 1.8359% | 376 |
| Noninterest expense to average assets | 2.4310% | 3,050 |
| Loan and lease loss provision to assets | 0.1272% | 2,770 |
| Net operating income to assets | 1.9829% | 271 |
| Return on assets (ROA) | 1.9829% | 291 |
| Pretax return on assets | 2.5158% | 185 |
| Return on Equity (ROE) | 18.3372% | 312 |
| Retained earnings to average equity (ytd only) | 2.2731% | 3,718 |
| Net charge-offs to loans | 0.0437% | 2,189 |
| Credit loss provision to net charge-offs | 381.7558% | 1,489 |
| Earnings coverage of net charge-offs (x) | 79.3128% | 902 |
| Efficiency ratio | 47.9099% | 4,636 |
| Assets per employee ($millions) | 9.5310% | 616 |
| Cash dividends to net income (ytd only)* | 87.6040% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 1,901 |
| Loan loss allowance to noncurrent loans | 1,339.6421% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 3,458 |
| Noncurrent loans to loans | 0.1058% | 3,867 |
| Net loans and leases to total assets | 73.8784% | 1,036 |
| Net loans and leases to deposits | 102.6242% | 299 |
| Net loans and leases to core deposits | 105.8627% | 644 |
| Total domestic deposits to total assets | 71.9893% | 4,710 |
| Equity capital to assets | 10.1195% | 3,008 |
| Core capital (leverage) ratio | 9.1173% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4655% | 2,811 |
| Memoranda: | ||
| Average total assets | $2,187,580,800 | 444 |
| Average earning assets | $2,050,506,600 | 434 |
| Average equity | $236,551,800 | 440 |
| Average total loans | $1,669,058,800 | 404 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7982% | 3,575 |
| Cost of funding earning assets | 0.3285% | 4,165 |
| Net interest margin | 3.4696% | 2,693 |
| Noninterest income to average assets | 1.5786% | 477 |
| Noninterest expense to average assets | 2.3905% | 3,166 |
| Loan and lease loss provision to assets | 0.1222% | 2,803 |
| Net operating income to assets | 1.8332% | 423 |
| Return on assets (ROA) | 1.8332% | 472 |
| Pretax return on assets | 2.3169% | 269 |
| Return on Equity (ROE) | 16.6640% | 479 |
| Retained earnings to average equity (ytd only) | 8.7832% | 1,042 |
| Net charge-offs to loans | 0.0322% | 2,184 |
| Credit loss provision to net charge-offs | 494.7368% | 1,296 |
| Earnings coverage of net charge-offs (x) | 98.7193% | 797 |
| Efficiency ratio | 49.4961% | 4,528 |
| Assets per employee ($millions) | 8.8761% | 721 |
| Cash dividends to net income (ytd only)* | 47.2925% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,772 |
| Loan loss allowance to noncurrent loans | 714.5723% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 3,168 |
| Noncurrent loans to loans | 0.1947% | 3,617 |
| Net loans and leases to total assets | 76.7769% | 987 |
| Net loans and leases to deposits | 107.7917% | 274 |
| Net loans and leases to core deposits | 111.3497% | 654 |
| Total domestic deposits to total assets | 71.2272% | 4,708 |
| Equity capital to assets | 10.9887% | 2,406 |
| Core capital (leverage) ratio | 9.4114% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4652% | 2,432 |
| Memoranda: | ||
| Average total assets | $2,153,085,500 | 441 |
| Average earning assets | $2,017,456,500 | 430 |
| Average equity | $236,856,000 | 435 |
| Average total loans | $1,650,625,750 | 405 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9056% | 3,599 |
| Cost of funding earning assets | 0.4072% | 4,007 |
| Net interest margin | 3.4984% | 2,789 |
| Noninterest income to average assets | 1.2326% | 664 |
| Noninterest expense to average assets | 2.3156% | 3,475 |
| Loan and lease loss provision to assets | 0.1116% | 2,896 |
| Net operating income to assets | 1.6551% | 672 |
| Return on assets (ROA) | 1.6551% | 731 |
| Pretax return on assets | 2.0807% | 466 |
| Return on Equity (ROE) | 15.0395% | 703 |
| Retained earnings to average equity (ytd only) | 9.0535% | 990 |
| Net charge-offs to loans | 0.0600% | 1,647 |
| Credit loss provision to net charge-offs | 244.0329% | 1,761 |
| Earnings coverage of net charge-offs (x) | 47.9321% | 1,135 |
| Efficiency ratio | 51.3674% | 4,407 |
| Assets per employee ($millions) | 9.4308% | 599 |
| Cash dividends to net income (ytd only)* | 39.8021% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 1,747 |
| Loan loss allowance to noncurrent loans | 248.1560% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 2,611 |
| Noncurrent loans to loans | 0.5461% | 2,536 |
| Net loans and leases to total assets | 72.9615% | 1,563 |
| Net loans and leases to deposits | 105.4097% | 331 |
| Net loans and leases to core deposits | 109.0264% | 770 |
| Total domestic deposits to total assets | 69.2171% | 4,814 |
| Equity capital to assets | 10.3396% | 2,895 |
| Core capital (leverage) ratio | 9.3530% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1694% | 2,538 |
| Memoranda: | ||
| Average total assets | $2,125,188,667 | 437 |
| Average earning assets | $1,989,581,667 | 431 |
| Average equity | $233,877,333 | 436 |
| Average total loans | $1,620,317,000 | 408 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 3,280 |
| Cost of funding earning assets | 0.6141% | 3,366 |
| Net interest margin | 3.5679% | 2,778 |
| Noninterest income to average assets | 1.0677% | 749 |
| Noninterest expense to average assets | 2.3503% | 3,649 |
| Loan and lease loss provision to assets | 0.0787% | 2,732 |
| Net operating income to assets | 1.5778% | 655 |
| Return on assets (ROA) | 1.5778% | 721 |
| Pretax return on assets | 1.9711% | 481 |
| Return on Equity (ROE) | 13.8548% | 726 |
| Retained earnings to average equity (ytd only) | 1.7015% | 3,550 |
| Net charge-offs to loans | 0.0219% | 1,928 |
| Credit loss provision to net charge-offs | 462.7907% | 921 |
| Earnings coverage of net charge-offs (x) | 120.5465% | 508 |
| Efficiency ratio | 53.4151% | 4,441 |
| Assets per employee ($millions) | 8.3360% | 655 |
| Cash dividends to net income (ytd only)* | 87.7193% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 1,505 |
| Loan loss allowance to noncurrent loans | 248.1197% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 2,588 |
| Noncurrent loans to loans | 0.5872% | 2,537 |
| Net loans and leases to total assets | 75.1146% | 1,442 |
| Net loans and leases to deposits | 107.5946% | 246 |
| Net loans and leases to core deposits | 111.1594% | 794 |
| Total domestic deposits to total assets | 69.8127% | 4,860 |
| Equity capital to assets | 11.1679% | 2,711 |
| Core capital (leverage) ratio | 10.0372% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3710% | 2,983 |
| Memoranda: | ||
| Average total assets | $2,023,077,000 | 446 |
| Average earning assets | $1,889,492,500 | 436 |
| Average equity | $230,390,000 | 442 |
| Average total loans | $1,569,013,500 | 408 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 3,160 |
| Cost of funding earning assets | 0.8458% | 2,454 |
| Net interest margin | 3.5839% | 3,189 |
| Noninterest income to average assets | 0.9611% | 1,054 |
| Noninterest expense to average assets | 2.2528% | 4,058 |
| Loan and lease loss provision to assets | 0.0335% | 3,342 |
| Net operating income to assets | 1.7037% | 651 |
| Return on assets (ROA) | 1.7037% | 697 |
| Pretax return on assets | 2.0190% | 579 |
| Return on Equity (ROE) | 14.5153% | 794 |
| Retained earnings to average equity (ytd only) | 1.4608% | 4,221 |
| Net charge-offs to loans | -0.0033% | 4,281 |
| Credit loss provision to net charge-offs | -1,312.0000% | 4,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3263% | 4,580 |
| Assets per employee ($millions) | 8.4206% | 613 |
| Cash dividends to net income (ytd only)* | 89.9361% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 1,365 |
| Loan loss allowance to noncurrent loans | 281.2492% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 2,691 |
| Noncurrent loans to loans | 0.5155% | 2,636 |
| Net loans and leases to total assets | 77.8012% | 1,112 |
| Net loans and leases to deposits | 109.1173% | 206 |
| Net loans and leases to core deposits | 112.3170% | 742 |
| Total domestic deposits to total assets | 71.3006% | 4,888 |
| Equity capital to assets | 11.6182% | 2,409 |
| Core capital (leverage) ratio | 10.6184% | 2,839 |
| Tier 1 risk-based capital ratio | 11.3494% | 4,709 |
| Total risk-based capital ratio | 12.6000% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,957,960,800 | 434 |
| Average earning assets | $1,827,045,400 | 421 |
| Average equity | $229,806,200 | 422 |
| Average total loans | $1,522,819,600 | 401 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 3,176 |
| Cost of funding earning assets | 0.9107% | 2,184 |
| Net interest margin | 3.5496% | 3,406 |
| Noninterest income to average assets | 0.9083% | 1,125 |
| Noninterest expense to average assets | 2.2358% | 4,106 |
| Loan and lease loss provision to assets | 0.0365% | 3,165 |
| Net operating income to assets | 1.5483% | 1,068 |
| Return on assets (ROA) | 1.5483% | 1,120 |
| Pretax return on assets | 1.9485% | 774 |
| Return on Equity (ROE) | 13.1582% | 1,216 |
| Retained earnings to average equity (ytd only) | 2.7138% | 4,008 |
| Net charge-offs to loans | 0.0048% | 3,229 |
| Credit loss provision to net charge-offs | 990.7407% | 359 |
| Earnings coverage of net charge-offs (x) | 538.3754% | 184 |
| Efficiency ratio | 52.9708% | 4,507 |
| Assets per employee ($millions) | 8.0040% | 690 |
| Cash dividends to net income (ytd only)* | 79.3756% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 1,348 |
| Loan loss allowance to noncurrent loans | 748.7145% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 3,884 |
| Noncurrent loans to loans | 0.1957% | 3,835 |
| Net loans and leases to total assets | 79.1684% | 964 |
| Net loans and leases to deposits | 110.1733% | 219 |
| Net loans and leases to core deposits | 113.6106% | 775 |
| Total domestic deposits to total assets | 71.8580% | 4,926 |
| Equity capital to assets | 12.1428% | 2,154 |
| Core capital (leverage) ratio | 10.9106% | 2,726 |
| Tier 1 risk-based capital ratio | 11.8050% | 4,510 |
| Total risk-based capital ratio | 13.0559% | 4,404 |
| Memoranda: | ||
| Average total assets | $1,952,743,250 | 437 |
| Average earning assets | $1,822,356,500 | 425 |
| Average equity | $229,781,750 | 425 |
| Average total loans | $1,512,973,500 | 405 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 3,213 |
| Cost of funding earning assets | 0.9585% | 1,872 |
| Net interest margin | 3.4821% | 3,651 |
| Noninterest income to average assets | 0.8252% | 1,264 |
| Noninterest expense to average assets | 2.1258% | 4,366 |
| Loan and lease loss provision to assets | 0.0494% | 2,835 |
| Net operating income to assets | 1.5179% | 1,100 |
| Return on assets (ROA) | 1.5179% | 1,148 |
| Pretax return on assets | 1.9052% | 828 |
| Return on Equity (ROE) | 13.0335% | 1,229 |
| Retained earnings to average equity (ytd only) | 6.0548% | 2,258 |
| Net charge-offs to loans | 0.0029% | 3,065 |
| Credit loss provision to net charge-offs | 2,209.0909% | 169 |
| Earnings coverage of net charge-offs (x) | 874.5455% | 83 |
| Efficiency ratio | 52.0976% | 4,649 |
| Assets per employee ($millions) | 8.1610% | 634 |
| Cash dividends to net income (ytd only)* | 53.5439% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,311 |
| Loan loss allowance to noncurrent loans | 1,010.2344% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 4,071 |
| Noncurrent loans to loans | 0.1474% | 4,027 |
| Net loans and leases to total assets | 77.6349% | 1,285 |
| Net loans and leases to deposits | 110.8347% | 206 |
| Net loans and leases to core deposits | 114.6285% | 751 |
| Total domestic deposits to total assets | 70.0457% | 5,046 |
| Equity capital to assets | 12.2328% | 2,033 |
| Core capital (leverage) ratio | 10.4930% | 3,102 |
| Tier 1 risk-based capital ratio | 12.1703% | 4,317 |
| Total risk-based capital ratio | 13.4215% | 4,202 |
| Memoranda: | ||
| Average total assets | $1,968,677,000 | 434 |
| Average earning assets | $1,840,364,670 | 425 |
| Average equity | $229,271,000 | 425 |
| Average total loans | $1,507,119,330 | 406 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 3,447 |
| Cost of funding earning assets | 0.9423% | 1,823 |
| Net interest margin | 3.3914% | 3,912 |
| Noninterest income to average assets | 0.7703% | 1,363 |
| Noninterest expense to average assets | 1.9360% | 4,748 |
| Loan and lease loss provision to assets | 0.0691% | 2,278 |
| Net operating income to assets | 1.5482% | 1,013 |
| Return on assets (ROA) | 1.5482% | 1,040 |
| Pretax return on assets | 1.9418% | 717 |
| Return on Equity (ROE) | 13.6220% | 1,052 |
| Retained earnings to average equity (ytd only) | 3.0541% | 3,712 |
| Net charge-offs to loans | 0.0308% | 1,837 |
| Credit loss provision to net charge-offs | 297.4138% | 839 |
| Earnings coverage of net charge-offs (x) | 86.5948% | 724 |
| Efficiency ratio | 49.0515% | 4,892 |
| Assets per employee ($millions) | 8.6881% | 530 |
| Cash dividends to net income (ytd only)* | 77.5795% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,406 |
| Loan loss allowance to noncurrent loans | 1,003.2579% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 4,126 |
| Noncurrent loans to loans | 0.1471% | 4,071 |
| Net loans and leases to total assets | 72.5036% | 2,076 |
| Net loans and leases to deposits | 103.7751% | 404 |
| Net loans and leases to core deposits | 106.9609% | 1,105 |
| Total domestic deposits to total assets | 69.8661% | 5,114 |
| Equity capital to assets | 11.1738% | 2,683 |
| Core capital (leverage) ratio | 10.1868% | 3,402 |
| Tier 1 risk-based capital ratio | 11.8833% | 4,524 |
| Total risk-based capital ratio | 13.1343% | 4,431 |
| Memoranda: | ||
| Average total assets | $1,998,174,000 | 427 |
| Average earning assets | $1,871,570,500 | 420 |
| Average equity | $227,103,000 | 425 |
| Average total loans | $1,508,185,500 | 407 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 3,418 |
| Cost of funding earning assets | 0.6301% | 2,522 |
| Net interest margin | 3.5787% | 3,456 |
| Noninterest income to average assets | 0.9980% | 942 |
| Noninterest expense to average assets | 2.3168% | 4,083 |
| Loan and lease loss provision to assets | 0.1387% | 1,552 |
| Net operating income to assets | 1.5742% | 940 |
| Return on assets (ROA) | 1.5728% | 934 |
| Pretax return on assets | 1.8889% | 739 |
| Return on Equity (ROE) | 13.1938% | 1,272 |
| Retained earnings to average equity (ytd only) | 1.9993% | 4,355 |
| Net charge-offs to loans | 0.2114% | 907 |
| Credit loss provision to net charge-offs | 80.0678% | 2,863 |
| Earnings coverage of net charge-offs (x) | 11.7123% | 2,608 |
| Efficiency ratio | 53.3069% | 4,680 |
| Assets per employee ($millions) | 8.0771% | 644 |
| Cash dividends to net income (ytd only)* | 84.8464% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 1,454 |
| Loan loss allowance to noncurrent loans | 1,044.4074% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,146 |
| Noncurrent loans to loans | 0.1388% | 4,115 |
| Net loans and leases to total assets | 76.3283% | 1,551 |
| Net loans and leases to deposits | 104.6269% | 451 |
| Net loans and leases to core deposits | 107.6675% | 1,143 |
| Total domestic deposits to total assets | 72.9528% | 5,010 |
| Equity capital to assets | 11.5658% | 2,204 |
| Core capital (leverage) ratio | 10.8548% | 2,674 |
| Tier 1 risk-based capital ratio | 11.8921% | 4,503 |
| Total risk-based capital ratio | 13.1431% | 4,386 |
| Memoranda: | ||
| Average total assets | $1,873,422,000 | 442 |
| Average earning assets | $1,752,749,000 | 431 |
| Average equity | $223,324,600 | 415 |
| Average total loans | $1,535,582,200 | 395 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 3,385 |
| Cost of funding earning assets | 0.5913% | 2,537 |
| Net interest margin | 3.5887% | 3,407 |
| Noninterest income to average assets | 1.0115% | 941 |
| Noninterest expense to average assets | 2.3068% | 4,078 |
| Loan and lease loss provision to assets | 0.1266% | 1,587 |
| Net operating income to assets | 1.5739% | 1,014 |
| Return on assets (ROA) | 1.5735% | 1,018 |
| Pretax return on assets | 1.9323% | 761 |
| Return on Equity (ROE) | 13.0972% | 1,393 |
| Retained earnings to average equity (ytd only) | 1.7187% | 4,668 |
| Net charge-offs to loans | 0.1257% | 1,258 |
| Credit loss provision to net charge-offs | 121.0599% | 1,976 |
| Earnings coverage of net charge-offs (x) | 19.6993% | 1,987 |
| Efficiency ratio | 52.8327% | 4,726 |
| Assets per employee ($millions) | 7.5706% | 746 |
| Cash dividends to net income (ytd only)* | 86.8770% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 1,438 |
| Loan loss allowance to noncurrent loans | 454.1956% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 3,486 |
| Noncurrent loans to loans | 0.3247% | 3,508 |
| Net loans and leases to total assets | 83.8373% | 472 |
| Net loans and leases to deposits | 115.1410% | 162 |
| Net loans and leases to core deposits | 119.1561% | 602 |
| Total domestic deposits to total assets | 72.8127% | 5,070 |
| Equity capital to assets | 12.2937% | 1,703 |
| Core capital (leverage) ratio | 10.8358% | 2,757 |
| Tier 1 risk-based capital ratio | 11.6160% | 4,724 |
| Total risk-based capital ratio | 12.8675% | 4,610 |
| Memoranda: | ||
| Average total assets | $1,853,114,250 | 442 |
| Average earning assets | $1,732,298,750 | 433 |
| Average equity | $222,637,750 | 416 |
| Average total loans | $1,541,003,750 | 393 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 3,476 |
| Cost of funding earning assets | 0.5448% | 2,654 |
| Net interest margin | 3.5487% | 3,474 |
| Noninterest income to average assets | 1.0018% | 961 |
| Noninterest expense to average assets | 2.2527% | 4,254 |
| Loan and lease loss provision to assets | 0.1165% | 1,703 |
| Net operating income to assets | 1.5682% | 995 |
| Return on assets (ROA) | 1.5679% | 1,001 |
| Pretax return on assets | 1.9524% | 679 |
| Return on Equity (ROE) | 13.1500% | 1,320 |
| Retained earnings to average equity (ytd only) | 0.5421% | 4,853 |
| Net charge-offs to loans | 0.0861% | 1,476 |
| Credit loss provision to net charge-offs | 163.8973% | 1,491 |
| Earnings coverage of net charge-offs (x) | 29.1118% | 1,536 |
| Efficiency ratio | 52.1216% | 4,876 |
| Assets per employee ($millions) | 7.7971% | 676 |
| Cash dividends to net income (ytd only)* | 95.8773% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,472 |
| Loan loss allowance to noncurrent loans | 207.4739% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 2,346 |
| Noncurrent loans to loans | 0.7107% | 2,334 |
| Net loans and leases to total assets | 82.8634% | 599 |
| Net loans and leases to deposits | 113.9756% | 196 |
| Net loans and leases to core deposits | 117.8175% | 637 |
| Total domestic deposits to total assets | 72.7027% | 5,136 |
| Equity capital to assets | 11.9740% | 1,871 |
| Core capital (leverage) ratio | 10.6205% | 2,899 |
| Tier 1 risk-based capital ratio | 11.3714% | 4,854 |
| Total risk-based capital ratio | 12.6228% | 4,755 |
| Memoranda: | ||
| Average total assets | $1,862,644,000 | 435 |
| Average earning assets | $1,742,738,000 | 427 |
| Average equity | $222,083,330 | 416 |
| Average total loans | $1,537,162,330 | 391 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 3,833 |
| Cost of funding earning assets | 0.5118% | 2,707 |
| Net interest margin | 3.4232% | 3,806 |
| Noninterest income to average assets | 1.0711% | 805 |
| Noninterest expense to average assets | 2.2194% | 4,369 |
| Loan and lease loss provision to assets | 0.0725% | 2,313 |
| Net operating income to assets | 1.5930% | 871 |
| Return on assets (ROA) | 1.5930% | 874 |
| Pretax return on assets | 1.9866% | 585 |
| Return on Equity (ROE) | 13.3895% | 1,163 |
| Retained earnings to average equity (ytd only) | 0.7783% | 4,670 |
| Net charge-offs to loans | 0.0876% | 1,281 |
| Credit loss provision to net charge-offs | 101.1976% | 1,527 |
| Earnings coverage of net charge-offs (x) | 28.7605% | 1,266 |
| Efficiency ratio | 51.8737% | 4,971 |
| Assets per employee ($millions) | 7.8478% | 656 |
| Cash dividends to net income (ytd only)* | 94.1873% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 1,612 |
| Loan loss allowance to noncurrent loans | 184.7273% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 2,312 |
| Noncurrent loans to loans | 0.7907% | 2,232 |
| Net loans and leases to total assets | 80.9259% | 805 |
| Net loans and leases to deposits | 109.2830% | 275 |
| Net loans and leases to core deposits | 119.0059% | 615 |
| Total domestic deposits to total assets | 74.0517% | 5,149 |
| Equity capital to assets | 11.7894% | 1,923 |
| Core capital (leverage) ratio | 10.4944% | 2,948 |
| Tier 1 risk-based capital ratio | 11.3674% | 4,944 |
| Total risk-based capital ratio | 12.6185% | 4,842 |
| Memoranda: | ||
| Average total assets | $1,866,112,000 | 441 |
| Average earning assets | $1,748,433,000 | 429 |
| Average equity | $222,024,000 | 420 |
| Average total loans | $1,525,386,000 | 395 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 4,084 |
| Cost of funding earning assets | 0.3964% | 3,289 |
| Net interest margin | 3.3934% | 3,870 |
| Noninterest income to average assets | 0.9793% | 1,070 |
| Noninterest expense to average assets | 2.3451% | 4,219 |
| Loan and lease loss provision to assets | 0.2056% | 996 |
| Net operating income to assets | 1.5927% | 662 |
| Return on assets (ROA) | 1.5942% | 676 |
| Pretax return on assets | 1.6062% | 1,268 |
| Return on Equity (ROE) | 14.5669% | 679 |
| Retained earnings to average equity (ytd only) | 14.5669% | 91 |
| Net charge-offs to loans | 0.3043% | 848 |
| Credit loss provision to net charge-offs | 86.0496% | 2,852 |
| Earnings coverage of net charge-offs (x) | 7.5766% | 3,024 |
| Efficiency ratio | 56.4351% | 4,719 |
| Assets per employee ($millions) | 7.9688% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 1,400 |
| Loan loss allowance to noncurrent loans | 166.9500% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 2,095 |
| Noncurrent loans to loans | 0.8997% | 1,976 |
| Net loans and leases to total assets | 80.1281% | 941 |
| Net loans and leases to deposits | 108.0972% | 321 |
| Net loans and leases to core deposits | 117.3179% | 676 |
| Total domestic deposits to total assets | 74.1260% | 5,174 |
| Equity capital to assets | 12.0080% | 1,834 |
| Core capital (leverage) ratio | 10.9046% | 2,424 |
| Tier 1 risk-based capital ratio | 11.5785% | 4,803 |
| Total risk-based capital ratio | 12.8299% | 4,695 |
| Memoranda: | ||
| Average total assets | $1,872,073,800 | 432 |
| Average earning assets | $1,752,181,800 | 422 |
| Average equity | $204,882,600 | 432 |
| Average total loans | $1,470,137,800 | 397 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 4,159 |
| Cost of funding earning assets | 0.3888% | 3,299 |
| Net interest margin | 3.3665% | 3,965 |
| Noninterest income to average assets | 0.9457% | 1,151 |
| Noninterest expense to average assets | 2.3544% | 4,140 |
| Loan and lease loss provision to assets | 0.1211% | 1,788 |
| Net operating income to assets | 1.1299% | 1,954 |
| Return on assets (ROA) | 1.1313% | 2,009 |
| Pretax return on assets | 1.6239% | 1,338 |
| Return on Equity (ROE) | 10.5904% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.5904% | 471 |
| Net charge-offs to loans | 0.4139% | 507 |
| Credit loss provision to net charge-offs | 37.5716% | 3,015 |
| Earnings coverage of net charge-offs (x) | 5.4096% | 3,113 |
| Efficiency ratio | 57.4614% | 4,570 |
| Assets per employee ($millions) | 7.6526% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 1,988 |
| Loan loss allowance to noncurrent loans | 139.2430% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.8314% | 2,070 |
| Noncurrent loans to loans | 0.9897% | 1,954 |
| Net loans and leases to total assets | 81.1077% | 823 |
| Net loans and leases to deposits | 107.5509% | 355 |
| Net loans and leases to core deposits | 115.6252% | 762 |
| Total domestic deposits to total assets | 75.4133% | 5,083 |
| Equity capital to assets | 11.6027% | 2,277 |
| Core capital (leverage) ratio | 10.1125% | 3,427 |
| Tier 1 risk-based capital ratio | 10.8231% | 5,335 |
| Total risk-based capital ratio | 12.0427% | 5,260 |
| Memoranda: | ||
| Average total assets | $1,877,903,500 | 435 |
| Average earning assets | $1,758,067,250 | 423 |
| Average equity | $200,603,500 | 439 |
| Average total loans | $1,461,681,500 | 401 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 4,344 |
| Cost of funding earning assets | 0.3824% | 3,266 |
| Net interest margin | 3.2781% | 4,179 |
| Noninterest income to average assets | 0.9062% | 1,255 |
| Noninterest expense to average assets | 2.3106% | 4,314 |
| Loan and lease loss provision to assets | 0.0851% | 2,287 |
| Net operating income to assets | 1.1030% | 1,956 |
| Return on assets (ROA) | 1.1030% | 2,005 |
| Pretax return on assets | 1.5804% | 1,405 |
| Return on Equity (ROE) | 10.6135% | 1,791 |
| Retained earnings to average equity (ytd only) | 10.6135% | 493 |
| Net charge-offs to loans | 0.3319% | 606 |
| Credit loss provision to net charge-offs | 33.5265% | 2,698 |
| Earnings coverage of net charge-offs (x) | 6.5642% | 2,692 |
| Efficiency ratio | 58.1126% | 4,575 |
| Assets per employee ($millions) | 7.6038% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,711 |
| Loan loss allowance to noncurrent loans | 129.3195% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 1,950 |
| Noncurrent loans to loans | 1.1310% | 1,736 |
| Net loans and leases to total assets | 77.5094% | 1,313 |
| Net loans and leases to deposits | 99.6507% | 764 |
| Net loans and leases to core deposits | 108.6436% | 1,073 |
| Total domestic deposits to total assets | 77.7811% | 4,852 |
| Equity capital to assets | 10.8225% | 3,011 |
| Core capital (leverage) ratio | 9.3999% | 4,232 |
| Tier 1 risk-based capital ratio | 10.4210% | 5,494 |
| Total risk-based capital ratio | 11.6713% | 5,422 |
| Memoranda: | ||
| Average total assets | $1,904,418,330 | 429 |
| Average earning assets | $1,783,463,670 | 420 |
| Average equity | $197,918,330 | 444 |
| Average total loans | $1,455,912,670 | 400 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 4,498 |
| Cost of funding earning assets | 0.3662% | 3,357 |
| Net interest margin | 3.2028% | 4,337 |
| Noninterest income to average assets | 0.8974% | 1,256 |
| Noninterest expense to average assets | 2.2422% | 4,551 |
| Loan and lease loss provision to assets | 0.0680% | 2,451 |
| Net operating income to assets | 1.1047% | 1,849 |
| Return on assets (ROA) | 1.1047% | 1,889 |
| Pretax return on assets | 1.5866% | 1,270 |
| Return on Equity (ROE) | 10.8499% | 1,619 |
| Retained earnings to average equity (ytd only) | 10.8499% | 633 |
| Net charge-offs to loans | 0.3930% | 466 |
| Credit loss provision to net charge-offs | 22.9577% | 2,156 |
| Earnings coverage of net charge-offs (x) | 5.5859% | 2,275 |
| Efficiency ratio | 57.5397% | 4,770 |
| Assets per employee ($millions) | 7.9532% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 1,609 |
| Loan loss allowance to noncurrent loans | 146.7038% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.7947% | 2,313 |
| Noncurrent loans to loans | 1.0391% | 1,980 |
| Net loans and leases to total assets | 73.3329% | 1,850 |
| Net loans and leases to deposits | 94.5038% | 1,065 |
| Net loans and leases to core deposits | 103.3726% | 1,259 |
| Total domestic deposits to total assets | 77.5979% | 5,023 |
| Equity capital to assets | 10.1617% | 3,556 |
| Core capital (leverage) ratio | 8.9209% | 4,824 |
| Tier 1 risk-based capital ratio | 10.2771% | 5,626 |
| Total risk-based capital ratio | 11.5281% | 5,568 |
| Memoranda: | ||
| Average total assets | $1,917,559,000 | 429 |
| Average earning assets | $1,795,819,000 | 422 |
| Average equity | $195,246,500 | 449 |
| Average total loans | $1,445,198,500 | 403 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 3,870 |
| Cost of funding earning assets | 0.3002% | 4,061 |
| Net interest margin | 3.5100% | 3,389 |
| Noninterest income to average assets | 1.1079% | 937 |
| Noninterest expense to average assets | 2.4296% | 4,211 |
| Loan and lease loss provision to assets | 0.1491% | 1,672 |
| Net operating income to assets | 1.2588% | 1,333 |
| Return on assets (ROA) | 1.2595% | 1,411 |
| Pretax return on assets | 1.8081% | 788 |
| Return on Equity (ROE) | 12.0891% | 1,213 |
| Retained earnings to average equity (ytd only) | 12.0891% | 212 |
| Net charge-offs to loans | 0.1898% | 1,460 |
| Credit loss provision to net charge-offs | 100.0765% | 2,560 |
| Earnings coverage of net charge-offs (x) | 13.1293% | 2,393 |
| Efficiency ratio | 55.3960% | 5,118 |
| Assets per employee ($millions) | 7.5162% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 1,341 |
| Loan loss allowance to noncurrent loans | 210.3480% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 2,906 |
| Noncurrent loans to loans | 0.7667% | 2,618 |
| Net loans and leases to total assets | 75.0640% | 1,682 |
| Net loans and leases to deposits | 96.5014% | 954 |
| Net loans and leases to core deposits | 103.3509% | 1,336 |
| Total domestic deposits to total assets | 77.7854% | 5,004 |
| Equity capital to assets | 10.2030% | 3,488 |
| Core capital (leverage) ratio | 9.1639% | 4,534 |
| Tier 1 risk-based capital ratio | 10.3641% | 5,630 |
| Total risk-based capital ratio | 11.6167% | 5,569 |
| Memoranda: | ||
| Average total assets | $1,755,044,200 | 447 |
| Average earning assets | $1,638,995,400 | 434 |
| Average equity | $182,842,400 | 455 |
| Average total loans | $1,377,558,400 | 395 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 3,816 |
| Cost of funding earning assets | 0.2977% | 4,125 |
| Net interest margin | 3.5383% | 3,325 |
| Noninterest income to average assets | 1.0717% | 987 |
| Noninterest expense to average assets | 2.4844% | 4,030 |
| Loan and lease loss provision to assets | 0.0232% | 3,781 |
| Net operating income to assets | 1.2980% | 1,298 |
| Return on assets (ROA) | 1.2990% | 1,394 |
| Pretax return on assets | 1.8679% | 762 |
| Return on Equity (ROE) | 12.3981% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.3981% | 260 |
| Net charge-offs to loans | 0.0939% | 2,014 |
| Credit loss provision to net charge-offs | 31.2826% | 3,214 |
| Earnings coverage of net charge-offs (x) | 25.4537% | 1,634 |
| Efficiency ratio | 56.7965% | 4,982 |
| Assets per employee ($millions) | 7.0533% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 1,555 |
| Loan loss allowance to noncurrent loans | 215.6943% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 2,675 |
| Noncurrent loans to loans | 0.7289% | 2,852 |
| Net loans and leases to total assets | 77.8959% | 1,217 |
| Net loans and leases to deposits | 102.6587% | 529 |
| Net loans and leases to core deposits | 109.9934% | 914 |
| Total domestic deposits to total assets | 75.8785% | 5,252 |
| Equity capital to assets | 10.4095% | 3,667 |
| Core capital (leverage) ratio | 9.1644% | 4,643 |
| Tier 1 risk-based capital ratio | 10.0983% | 5,761 |
| Total risk-based capital ratio | 11.3504% | 5,708 |
| Memoranda: | ||
| Average total assets | $1,722,162,250 | 459 |
| Average earning assets | $1,607,389,750 | 441 |
| Average equity | $180,431,250 | 465 |
| Average total loans | $1,362,110,250 | 402 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8703% | 3,701 |
| Cost of funding earning assets | 0.2932% | 4,210 |
| Net interest margin | 3.5771% | 3,185 |
| Noninterest income to average assets | 1.0554% | 1,004 |
| Noninterest expense to average assets | 2.4701% | 4,119 |
| Loan and lease loss provision to assets | 0.0225% | 3,679 |
| Net operating income to assets | 1.3244% | 1,213 |
| Return on assets (ROA) | 1.3254% | 1,299 |
| Pretax return on assets | 1.9029% | 692 |
| Return on Equity (ROE) | 12.6218% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.6218% | 260 |
| Net charge-offs to loans | 0.0673% | 2,230 |
| Credit loss provision to net charge-offs | 42.2222% | 2,751 |
| Earnings coverage of net charge-offs (x) | 36.1689% | 1,234 |
| Efficiency ratio | 56.2155% | 5,124 |
| Assets per employee ($millions) | 6.7036% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 1,321 |
| Loan loss allowance to noncurrent loans | 181.9566% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 2,655 |
| Noncurrent loans to loans | 0.9228% | 2,429 |
| Net loans and leases to total assets | 77.1136% | 1,316 |
| Net loans and leases to deposits | 102.3967% | 541 |
| Net loans and leases to core deposits | 111.2045% | 865 |
| Total domestic deposits to total assets | 75.3086% | 5,375 |
| Equity capital to assets | 10.5358% | 3,593 |
| Core capital (leverage) ratio | 9.1527% | 4,658 |
| Tier 1 risk-based capital ratio | 10.0300% | 5,847 |
| Total risk-based capital ratio | 11.2829% | 5,792 |
| Memoranda: | ||
| Average total assets | $1,691,982,670 | 458 |
| Average earning assets | $1,579,148,330 | 444 |
| Average equity | $177,677,330 | 471 |
| Average total loans | $1,337,956,000 | 405 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 3,628 |
| Cost of funding earning assets | 0.2973% | 4,191 |
| Net interest margin | 3.5899% | 3,122 |
| Noninterest income to average assets | 0.9519% | 1,180 |
| Noninterest expense to average assets | 2.3724% | 4,446 |
| Loan and lease loss provision to assets | 0.0247% | 3,355 |
| Net operating income to assets | 1.3296% | 1,186 |
| Return on assets (ROA) | 1.3316% | 1,264 |
| Pretax return on assets | 1.9084% | 680 |
| Return on Equity (ROE) | 12.7029% | 1,105 |
| Retained earnings to average equity (ytd only) | 12.7029% | 418 |
| Net charge-offs to loans | 0.0314% | 2,323 |
| Credit loss provision to net charge-offs | 99.0385% | 1,683 |
| Earnings coverage of net charge-offs (x) | 77.3269% | 653 |
| Efficiency ratio | 55.1378% | 5,273 |
| Assets per employee ($millions) | 6.5909% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 1,265 |
| Loan loss allowance to noncurrent loans | 177.8484% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 2,500 |
| Noncurrent loans to loans | 0.9780% | 2,425 |
| Net loans and leases to total assets | 77.4147% | 1,187 |
| Net loans and leases to deposits | 106.4216% | 322 |
| Net loans and leases to core deposits | 118.5126% | 510 |
| Total domestic deposits to total assets | 72.7434% | 5,728 |
| Equity capital to assets | 10.4891% | 3,512 |
| Core capital (leverage) ratio | 8.9726% | 4,892 |
| Tier 1 risk-based capital ratio | 9.9498% | 5,920 |
| Total risk-based capital ratio | 11.2035% | 5,887 |
| Memoranda: | ||
| Average total assets | $1,666,508,000 | 463 |
| Average earning assets | $1,555,492,500 | 450 |
| Average equity | $174,700,500 | 473 |
| Average total loans | $1,323,439,500 | 405 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 3,321 |
| Cost of funding earning assets | 0.1961% | 5,317 |
| Net interest margin | 3.8008% | 2,373 |
| Noninterest income to average assets | 1.0587% | 1,053 |
| Noninterest expense to average assets | 2.6123% | 3,880 |
| Loan and lease loss provision to assets | 0.0345% | 3,663 |
| Net operating income to assets | 1.3971% | 1,041 |
| Return on assets (ROA) | 1.3974% | 1,088 |
| Pretax return on assets | 1.9484% | 602 |
| Return on Equity (ROE) | 13.0636% | 1,047 |
| Retained earnings to average equity (ytd only) | 3.2512% | 3,739 |
| Net charge-offs to loans | -0.0459% | 5,525 |
| Credit loss provision to net charge-offs | -93.9341% | 5,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8529% | 5,268 |
| Assets per employee ($millions) | 6.4789% | 1,108 |
| Cash dividends to net income (ytd only)* | 75.1127% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 1,197 |
| Loan loss allowance to noncurrent loans | 257.3392% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 2,997 |
| Noncurrent loans to loans | 0.6873% | 3,130 |
| Net loans and leases to total assets | 78.6478% | 1,041 |
| Net loans and leases to deposits | 105.2125% | 387 |
| Net loans and leases to core deposits | 119.0239% | 503 |
| Total domestic deposits to total assets | 74.7513% | 5,577 |
| Equity capital to assets | 10.4768% | 3,386 |
| Core capital (leverage) ratio | 8.9230% | 4,978 |
| Tier 1 risk-based capital ratio | 9.7895% | 5,996 |
| Total risk-based capital ratio | 11.0436% | 5,967 |
| Memoranda: | ||
| Average total assets | $1,572,047,000 | 452 |
| Average earning assets | $1,462,577,000 | 442 |
| Average equity | $168,153,800 | 471 |
| Average total loans | $1,256,913,600 | 401 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,230 |
| Cost of funding earning assets | 0.1828% | 5,525 |
| Net interest margin | 3.8439% | 2,221 |
| Noninterest income to average assets | 1.0407% | 1,102 |
| Noninterest expense to average assets | 2.5988% | 3,887 |
| Loan and lease loss provision to assets | 0.0391% | 3,428 |
| Net operating income to assets | 1.4163% | 1,072 |
| Return on assets (ROA) | 1.4167% | 1,115 |
| Pretax return on assets | 1.9778% | 624 |
| Return on Equity (ROE) | 13.1728% | 1,090 |
| Retained earnings to average equity (ytd only) | 0.0199% | 5,586 |
| Net charge-offs to loans | -0.0579% | 5,589 |
| Credit loss provision to net charge-offs | -84.4444% | 5,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3091% | 5,311 |
| Assets per employee ($millions) | 6.5005% | 1,066 |
| Cash dividends to net income (ytd only)* | 99.8487% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7936% | 1,281 |
| Loan loss allowance to noncurrent loans | 247.3910% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 3,012 |
| Noncurrent loans to loans | 0.7250% | 3,158 |
| Net loans and leases to total assets | 79.3807% | 901 |
| Net loans and leases to deposits | 107.2884% | 323 |
| Net loans and leases to core deposits | 123.1102% | 398 |
| Total domestic deposits to total assets | 73.9881% | 5,711 |
| Equity capital to assets | 10.4755% | 3,627 |
| Core capital (leverage) ratio | 8.7833% | 5,255 |
| Tier 1 risk-based capital ratio | 9.6349% | 6,119 |
| Total risk-based capital ratio | 10.8894% | 6,091 |
| Memoranda: | ||
| Average total assets | $1,555,269,000 | 460 |
| Average earning assets | $1,446,231,250 | 452 |
| Average equity | $167,259,500 | 478 |
| Average total loans | $1,243,048,500 | 406 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 3,220 |
| Cost of funding earning assets | 0.1671% | 5,721 |
| Net interest margin | 3.8488% | 2,142 |
| Noninterest income to average assets | 1.0140% | 1,149 |
| Noninterest expense to average assets | 2.5894% | 3,939 |
| Loan and lease loss provision to assets | 0.0366% | 3,391 |
| Net operating income to assets | 1.4106% | 1,069 |
| Return on assets (ROA) | 1.4111% | 1,105 |
| Pretax return on assets | 1.9651% | 642 |
| Return on Equity (ROE) | 13.0047% | 1,113 |
| Retained earnings to average equity (ytd only) | 0.4600% | 5,365 |
| Net charge-offs to loans | -0.0436% | 5,493 |
| Credit loss provision to net charge-offs | -105.2239% | 4,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4090% | 5,393 |
| Assets per employee ($millions) | 6.2349% | 1,196 |
| Cash dividends to net income (ytd only)* | 96.4630% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7637% | 1,455 |
| Loan loss allowance to noncurrent loans | 234.3996% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.7980% | 2,991 |
| Noncurrent loans to loans | 0.7524% | 3,230 |
| Net loans and leases to total assets | 79.6364% | 852 |
| Net loans and leases to deposits | 110.0890% | 260 |
| Net loans and leases to core deposits | 127.6596% | 317 |
| Total domestic deposits to total assets | 72.3382% | 5,921 |
| Equity capital to assets | 10.5399% | 3,398 |
| Core capital (leverage) ratio | 9.0940% | 4,828 |
| Tier 1 risk-based capital ratio | 9.7050% | 6,159 |
| Total risk-based capital ratio | 10.9592% | 6,131 |
| Memoranda: | ||
| Average total assets | $1,542,816,670 | 467 |
| Average earning assets | $1,433,647,670 | 454 |
| Average equity | $167,401,000 | 481 |
| Average total loans | $1,228,289,330 | 409 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9739% | 3,320 |
| Cost of funding earning assets | 0.1654% | 5,810 |
| Net interest margin | 3.8085% | 2,201 |
| Noninterest income to average assets | 0.9028% | 1,375 |
| Noninterest expense to average assets | 2.5197% | 4,203 |
| Loan and lease loss provision to assets | 0.0384% | 3,140 |
| Net operating income to assets | 1.3638% | 1,107 |
| Return on assets (ROA) | 1.3647% | 1,168 |
| Pretax return on assets | 1.8847% | 739 |
| Return on Equity (ROE) | 12.3930% | 1,245 |
| Retained earnings to average equity (ytd only) | 2.8489% | 4,260 |
| Net charge-offs to loans | 0.0453% | 2,349 |
| Credit loss provision to net charge-offs | 107.3529% | 1,534 |
| Earnings coverage of net charge-offs (x) | 53.7794% | 794 |
| Efficiency ratio | 56.7321% | 5,463 |
| Assets per employee ($millions) | 6.3783% | 1,149 |
| Cash dividends to net income (ytd only)* | 77.0119% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 1,524 |
| Loan loss allowance to noncurrent loans | 170.2195% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.0281% | 2,566 |
| Noncurrent loans to loans | 1.0495% | 2,662 |
| Net loans and leases to total assets | 77.7622% | 962 |
| Net loans and leases to deposits | 107.6016% | 269 |
| Net loans and leases to core deposits | 118.9145% | 434 |
| Total domestic deposits to total assets | 72.2687% | 6,027 |
| Equity capital to assets | 10.7777% | 3,224 |
| Core capital (leverage) ratio | 9.1707% | 4,755 |
| Tier 1 risk-based capital ratio | 10.4468% | 6,027 |
| Total risk-based capital ratio | 11.7018% | 5,981 |
| Memoranda: | ||
| Average total assets | $1,522,389,000 | 471 |
| Average earning assets | $1,414,516,000 | 460 |
| Average equity | $167,642,500 | 484 |
| Average total loans | $1,200,522,500 | 417 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 3,826 |
| Cost of funding earning assets | 0.1644% | 6,015 |
| Net interest margin | 3.8080% | 2,600 |
| Noninterest income to average assets | 0.9581% | 1,327 |
| Noninterest expense to average assets | 2.5990% | 4,225 |
| Loan and lease loss provision to assets | 0.0521% | 3,512 |
| Net operating income to assets | 1.3412% | 1,206 |
| Return on assets (ROA) | 1.3466% | 1,246 |
| Pretax return on assets | 1.8421% | 724 |
| Return on Equity (ROE) | 11.9653% | 1,424 |
| Retained earnings to average equity (ytd only) | 0.0429% | 5,745 |
| Net charge-offs to loans | 0.1020% | 3,049 |
| Credit loss provision to net charge-offs | 67.5065% | 3,123 |
| Earnings coverage of net charge-offs (x) | 24.4361% | 1,539 |
| Efficiency ratio | 57.5934% | 5,505 |
| Assets per employee ($millions) | 6.0742% | 1,329 |
| Cash dividends to net income (ytd only)* | 99.6413% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8984% | 1,316 |
| Loan loss allowance to noncurrent loans | 168.4303% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 2,612 |
| Noncurrent loans to loans | 1.1271% | 2,587 |
| Net loans and leases to total assets | 77.0309% | 1,124 |
| Net loans and leases to deposits | 115.0654% | 147 |
| Net loans and leases to core deposits | 125.1126% | 300 |
| Total domestic deposits to total assets | 66.9453% | 6,305 |
| Equity capital to assets | 11.2586% | 2,639 |
| Core capital (leverage) ratio | 9.5126% | 4,223 |
| Tier 1 risk-based capital ratio | 11.4764% | 5,677 |
| Total risk-based capital ratio | 12.7336% | 5,591 |
| Memoranda: | ||
| Average total assets | $1,490,620,000 | 467 |
| Average earning assets | $1,380,920,400 | 458 |
| Average equity | $167,752,000 | 471 |
| Average total loans | $1,128,309,600 | 417 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 4,007 |
| Cost of funding earning assets | 0.1670% | 6,081 |
| Net interest margin | 3.7731% | 2,723 |
| Noninterest income to average assets | 0.9448% | 1,375 |
| Noninterest expense to average assets | 2.5502% | 4,362 |
| Loan and lease loss provision to assets | 0.0757% | 2,826 |
| Net operating income to assets | 1.3240% | 1,303 |
| Return on assets (ROA) | 1.3321% | 1,345 |
| Pretax return on assets | 1.8226% | 849 |
| Return on Equity (ROE) | 11.8380% | 1,521 |
| Retained earnings to average equity (ytd only) | 4.2180% | 3,651 |
| Net charge-offs to loans | 0.0773% | 3,094 |
| Credit loss provision to net charge-offs | 130.6626% | 1,766 |
| Earnings coverage of net charge-offs (x) | 32.5578% | 1,299 |
| Efficiency ratio | 57.0066% | 5,557 |
| Assets per employee ($millions) | 6.1053% | 1,259 |
| Cash dividends to net income (ytd only)* | 64.3690% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0124% | 1,236 |
| Loan loss allowance to noncurrent loans | 157.8962% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 2,449 |
| Noncurrent loans to loans | 1.2745% | 2,512 |
| Net loans and leases to total assets | 74.3904% | 1,459 |
| Net loans and leases to deposits | 103.9045% | 415 |
| Net loans and leases to core deposits | 111.5762% | 680 |
| Total domestic deposits to total assets | 71.5949% | 6,197 |
| Equity capital to assets | 11.6068% | 2,389 |
| Core capital (leverage) ratio | 9.8470% | 3,877 |
| Tier 1 risk-based capital ratio | 12.2580% | 5,325 |
| Total risk-based capital ratio | 13.5165% | 5,244 |
| Memoranda: | ||
| Average total assets | $1,492,751,500 | 462 |
| Average earning assets | $1,381,831,250 | 452 |
| Average equity | $167,974,250 | 465 |
| Average total loans | $1,119,446,000 | 417 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 4,019 |
| Cost of funding earning assets | 0.1700% | 6,138 |
| Net interest margin | 3.7596% | 2,717 |
| Noninterest income to average assets | 0.8980% | 1,500 |
| Noninterest expense to average assets | 2.4896% | 4,607 |
| Loan and lease loss provision to assets | 0.0743% | 2,790 |
| Net operating income to assets | 1.3255% | 1,235 |
| Return on assets (ROA) | 1.3376% | 1,257 |
| Pretax return on assets | 1.8274% | 801 |
| Return on Equity (ROE) | 12.0120% | 1,417 |
| Retained earnings to average equity (ytd only) | 0.4851% | 5,547 |
| Net charge-offs to loans | 0.1711% | 2,026 |
| Credit loss provision to net charge-offs | 58.1590% | 2,670 |
| Earnings coverage of net charge-offs (x) | 14.7479% | 1,894 |
| Efficiency ratio | 56.4412% | 5,698 |
| Assets per employee ($millions) | 6.3446% | 1,092 |
| Cash dividends to net income (ytd only)* | 95.9616% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9471% | 1,467 |
| Loan loss allowance to noncurrent loans | 126.8729% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.4615% | 2,228 |
| Noncurrent loans to loans | 1.5347% | 2,263 |
| Net loans and leases to total assets | 72.9801% | 1,577 |
| Net loans and leases to deposits | 100.5483% | 529 |
| Net loans and leases to core deposits | 111.1884% | 640 |
| Total domestic deposits to total assets | 72.5821% | 6,209 |
| Equity capital to assets | 10.9950% | 2,881 |
| Core capital (leverage) ratio | 9.3336% | 4,547 |
| Tier 1 risk-based capital ratio | 11.7332% | 5,675 |
| Total risk-based capital ratio | 12.9908% | 5,612 |
| Memoranda: | ||
| Average total assets | $1,495,805,000 | 461 |
| Average earning assets | $1,383,272,670 | 451 |
| Average equity | $166,566,330 | 467 |
| Average total loans | $1,117,156,330 | 416 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 3,946 |
| Cost of funding earning assets | 0.1742% | 6,203 |
| Net interest margin | 3.7613% | 2,632 |
| Noninterest income to average assets | 0.8362% | 1,612 |
| Noninterest expense to average assets | 2.4062% | 4,912 |
| Loan and lease loss provision to assets | 0.0750% | 2,639 |
| Net operating income to assets | 1.3470% | 1,105 |
| Return on assets (ROA) | 1.3549% | 1,129 |
| Pretax return on assets | 1.8508% | 723 |
| Return on Equity (ROE) | 12.0887% | 1,386 |
| Retained earnings to average equity (ytd only) | 0.5321% | 5,369 |
| Net charge-offs to loans | 0.0227% | 3,119 |
| Credit loss provision to net charge-offs | 441.2698% | 605 |
| Earnings coverage of net charge-offs (x) | 112.6508% | 418 |
| Efficiency ratio | 55.2017% | 5,905 |
| Assets per employee ($millions) | 6.6958% | 928 |
| Cash dividends to net income (ytd only)* | 95.5985% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 1,458 |
| Loan loss allowance to noncurrent loans | 154.3728% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.2514% | 2,773 |
| Noncurrent loans to loans | 1.3146% | 2,831 |
| Net loans and leases to total assets | 69.8850% | 1,906 |
| Net loans and leases to deposits | 94.1191% | 782 |
| Net loans and leases to core deposits | 104.4522% | 826 |
| Total domestic deposits to total assets | 74.2516% | 6,223 |
| Equity capital to assets | 10.6302% | 3,106 |
| Core capital (leverage) ratio | 9.1380% | 4,812 |
| Tier 1 risk-based capital ratio | 11.9088% | 5,706 |
| Total risk-based capital ratio | 13.1674% | 5,622 |
| Memoranda: | ||
| Average total assets | $1,482,350,500 | 465 |
| Average earning assets | $1,373,460,500 | 454 |
| Average equity | $166,138,000 | 466 |
| Average total loans | $1,109,062,000 | 415 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 3,599 |
| Cost of funding earning assets | 0.1918% | 6,328 |
| Net interest margin | 3.9429% | 2,127 |
| Noninterest income to average assets | 1.1336% | 1,092 |
| Noninterest expense to average assets | 2.7352% | 3,973 |
| Loan and lease loss provision to assets | 0.2080% | 1,783 |
| Net operating income to assets | 1.3272% | 1,186 |
| Return on assets (ROA) | 1.3738% | 1,118 |
| Pretax return on assets | 1.8941% | 607 |
| Return on Equity (ROE) | 11.9774% | 1,425 |
| Retained earnings to average equity (ytd only) | 0.4365% | 5,652 |
| Net charge-offs to loans | 0.2743% | 2,327 |
| Credit loss provision to net charge-offs | 102.1563% | 2,368 |
| Earnings coverage of net charge-offs (x) | 10.0125% | 2,435 |
| Efficiency ratio | 56.8596% | 5,869 |
| Assets per employee ($millions) | 5.9739% | 1,290 |
| Cash dividends to net income (ytd only)* | 96.3555% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0416% | 1,459 |
| Loan loss allowance to noncurrent loans | 142.1153% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.4259% | 2,611 |
| Noncurrent loans to loans | 1.4366% | 2,737 |
| Net loans and leases to total assets | 77.1169% | 938 |
| Net loans and leases to deposits | 105.7801% | 264 |
| Net loans and leases to core deposits | 113.9603% | 472 |
| Total domestic deposits to total assets | 72.9031% | 6,363 |
| Equity capital to assets | 11.8551% | 1,906 |
| Core capital (leverage) ratio | 9.6261% | 4,080 |
| Tier 1 risk-based capital ratio | 12.3320% | 5,405 |
| Total risk-based capital ratio | 13.5914% | 5,327 |
| Memoranda: | ||
| Average total assets | $1,457,986,000 | 463 |
| Average earning assets | $1,345,903,200 | 458 |
| Average equity | $167,232,000 | 445 |
| Average total loans | $1,082,110,600 | 405 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 3,615 |
| Cost of funding earning assets | 0.1979% | 6,406 |
| Net interest margin | 3.9385% | 2,149 |
| Noninterest income to average assets | 1.1607% | 1,087 |
| Noninterest expense to average assets | 2.6898% | 4,052 |
| Loan and lease loss provision to assets | 0.2454% | 1,460 |
| Net operating income to assets | 1.3404% | 1,242 |
| Return on assets (ROA) | 1.4019% | 1,147 |
| Pretax return on assets | 1.9442% | 661 |
| Return on Equity (ROE) | 12.3204% | 1,388 |
| Retained earnings to average equity (ytd only) | 0.5473% | 5,750 |
| Net charge-offs to loans | 0.1745% | 2,830 |
| Credit loss provision to net charge-offs | 192.2695% | 1,256 |
| Earnings coverage of net charge-offs (x) | 16.4873% | 1,804 |
| Efficiency ratio | 55.6728% | 5,947 |
| Assets per employee ($millions) | 6.3477% | 1,005 |
| Cash dividends to net income (ytd only)* | 95.5579% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 1,336 |
| Loan loss allowance to noncurrent loans | 170.4098% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.3269% | 2,983 |
| Noncurrent loans to loans | 1.2876% | 3,256 |
| Net loans and leases to total assets | 71.4372% | 1,693 |
| Net loans and leases to deposits | 96.7657% | 640 |
| Net loans and leases to core deposits | 106.2498% | 747 |
| Total domestic deposits to total assets | 73.8250% | 6,383 |
| Equity capital to assets | 11.2191% | 2,542 |
| Core capital (leverage) ratio | 9.5973% | 4,246 |
| Tier 1 risk-based capital ratio | 12.3849% | 5,527 |
| Total risk-based capital ratio | 13.6458% | 5,457 |
| Memoranda: | ||
| Average total assets | $1,473,010,250 | 460 |
| Average earning assets | $1,358,849,500 | 450 |
| Average equity | $167,609,750 | 449 |
| Average total loans | $1,077,519,250 | 405 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 3,472 |
| Cost of funding earning assets | 0.2049% | 6,450 |
| Net interest margin | 3.9655% | 1,984 |
| Noninterest income to average assets | 1.1829% | 1,086 |
| Noninterest expense to average assets | 2.6828% | 4,095 |
| Loan and lease loss provision to assets | 0.2450% | 1,522 |
| Net operating income to assets | 1.3777% | 1,124 |
| Return on assets (ROA) | 1.4514% | 1,057 |
| Pretax return on assets | 2.0173% | 586 |
| Return on Equity (ROE) | 12.6955% | 1,318 |
| Retained earnings to average equity (ytd only) | 1.0406% | 5,485 |
| Net charge-offs to loans | 0.2580% | 2,176 |
| Credit loss provision to net charge-offs | 129.7336% | 1,744 |
| Earnings coverage of net charge-offs (x) | 11.4370% | 2,051 |
| Efficiency ratio | 54.9694% | 6,063 |
| Assets per employee ($millions) | 6.0689% | 1,153 |
| Cash dividends to net income (ytd only)* | 91.8033% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1607% | 1,511 |
| Loan loss allowance to noncurrent loans | 121.5492% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.6832% | 2,589 |
| Noncurrent loans to loans | 1.7777% | 2,661 |
| Net loans and leases to total assets | 70.3436% | 1,826 |
| Net loans and leases to deposits | 95.3937% | 712 |
| Net loans and leases to core deposits | 105.7715% | 746 |
| Total domestic deposits to total assets | 73.7403% | 6,460 |
| Equity capital to assets | 11.3274% | 2,436 |
| Core capital (leverage) ratio | 9.5036% | 4,243 |
| Tier 1 risk-based capital ratio | 12.5986% | 5,435 |
| Total risk-based capital ratio | 13.8589% | 5,363 |
| Memoranda: | ||
| Average total assets | $1,471,011,670 | 462 |
| Average earning assets | $1,357,598,330 | 452 |
| Average equity | $168,169,330 | 450 |
| Average total loans | $1,076,604,000 | 401 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 3,341 |
| Cost of funding earning assets | 0.2101% | 6,527 |
| Net interest margin | 3.9817% | 1,855 |
| Noninterest income to average assets | 1.3998% | 785 |
| Noninterest expense to average assets | 2.6994% | 4,062 |
| Loan and lease loss provision to assets | 0.2456% | 1,465 |
| Net operating income to assets | 1.5141% | 834 |
| Return on assets (ROA) | 1.5137% | 911 |
| Pretax return on assets | 2.1158% | 475 |
| Return on Equity (ROE) | 13.1801% | 1,122 |
| Retained earnings to average equity (ytd only) | 0.6411% | 5,572 |
| Net charge-offs to loans | 0.4077% | 1,433 |
| Credit loss provision to net charge-offs | 81.5884% | 2,140 |
| Earnings coverage of net charge-offs (x) | 7.8457% | 2,016 |
| Efficiency ratio | 52.9203% | 6,317 |
| Assets per employee ($millions) | 6.5210% | 977 |
| Cash dividends to net income (ytd only)* | 95.1355% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0645% | 1,883 |
| Loan loss allowance to noncurrent loans | 97.5694% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.8773% | 2,510 |
| Noncurrent loans to loans | 2.1159% | 2,480 |
| Net loans and leases to total assets | 69.3106% | 1,778 |
| Net loans and leases to deposits | 95.3286% | 576 |
| Net loans and leases to core deposits | 106.1876% | 632 |
| Total domestic deposits to total assets | 72.7070% | 6,622 |
| Equity capital to assets | 11.1190% | 2,827 |
| Core capital (leverage) ratio | 9.3815% | 4,274 |
| Tier 1 risk-based capital ratio | 12.3542% | 5,676 |
| Total risk-based capital ratio | 13.6136% | 5,623 |
| Memoranda: | ||
| Average total assets | $1,472,183,500 | 465 |
| Average earning assets | $1,353,810,500 | 454 |
| Average equity | $169,073,000 | 455 |
| Average total loans | $1,086,941,000 | 400 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 3,462 |
| Cost of funding earning assets | 0.2356% | 6,728 |
| Net interest margin | 4.2496% | 1,520 |
| Noninterest income to average assets | 1.0409% | 1,432 |
| Noninterest expense to average assets | 2.6344% | 4,624 |
| Loan and lease loss provision to assets | 0.4939% | 1,215 |
| Net operating income to assets | 1.2821% | 1,361 |
| Return on assets (ROA) | 1.2819% | 1,510 |
| Pretax return on assets | 1.8350% | 860 |
| Return on Equity (ROE) | 10.7960% | 1,874 |
| Retained earnings to average equity (ytd only) | 0.4130% | 5,651 |
| Net charge-offs to loans | 0.6647% | 1,771 |
| Credit loss provision to net charge-offs | 99.8576% | 3,101 |
| Earnings coverage of net charge-offs (x) | 4.7090% | 3,281 |
| Efficiency ratio | 52.6385% | 6,408 |
| Assets per employee ($millions) | 5.7459% | 1,480 |
| Cash dividends to net income (ytd only)* | 96.1750% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0393% | 1,918 |
| Loan loss allowance to noncurrent loans | 94.0868% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 2.4936% | 1,960 |
| Noncurrent loans to loans | 2.1674% | 2,504 |
| Net loans and leases to total assets | 75.5227% | 986 |
| Net loans and leases to deposits | 103.4715% | 283 |
| Net loans and leases to core deposits | 110.9436% | 507 |
| Total domestic deposits to total assets | 72.9889% | 6,623 |
| Equity capital to assets | 11.8742% | 2,129 |
| Core capital (leverage) ratio | 9.8992% | 3,546 |
| Tier 1 risk-based capital ratio | 12.0764% | 5,741 |
| Total risk-based capital ratio | 13.3355% | 5,694 |
| Memoranda: | ||
| Average total assets | $1,419,454,200 | 474 |
| Average earning assets | $1,310,251,600 | 462 |
| Average equity | $168,543,200 | 442 |
| Average total loans | $1,056,269,000 | 405 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 3,619 |
| Cost of funding earning assets | 0.2432% | 6,839 |
| Net interest margin | 4.2609% | 1,574 |
| Noninterest income to average assets | 0.9281% | 1,740 |
| Noninterest expense to average assets | 2.5992% | 4,744 |
| Loan and lease loss provision to assets | 0.3416% | 1,915 |
| Net operating income to assets | 1.3181% | 1,398 |
| Return on assets (ROA) | 1.3184% | 1,533 |
| Pretax return on assets | 1.9375% | 799 |
| Return on Equity (ROE) | 11.1033% | 1,919 |
| Retained earnings to average equity (ytd only) | 0.4133% | 5,968 |
| Net charge-offs to loans | 0.5050% | 2,099 |
| Credit loss provision to net charge-offs | 91.7193% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.1184% | 2,847 |
| Efficiency ratio | 52.8431% | 6,370 |
| Assets per employee ($millions) | 6.0718% | 1,208 |
| Cash dividends to net income (ytd only)* | 96.2773% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1063% | 1,890 |
| Loan loss allowance to noncurrent loans | 93.4736% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 2.4118% | 2,201 |
| Noncurrent loans to loans | 2.2533% | 2,552 |
| Net loans and leases to total assets | 72.5548% | 1,459 |
| Net loans and leases to deposits | 100.2890% | 421 |
| Net loans and leases to core deposits | 108.6379% | 623 |
| Total domestic deposits to total assets | 72.3457% | 6,723 |
| Equity capital to assets | 11.9692% | 2,284 |
| Core capital (leverage) ratio | 9.8107% | 3,802 |
| Tier 1 risk-based capital ratio | 12.4803% | 5,659 |
| Total risk-based capital ratio | 13.7400% | 5,616 |
| Memoranda: | ||
| Average total assets | $1,418,072,000 | 474 |
| Average earning assets | $1,314,516,250 | 462 |
| Average equity | $168,377,750 | 441 |
| Average total loans | $1,045,689,000 | 410 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 3,652 |
| Cost of funding earning assets | 0.2494% | 6,915 |
| Net interest margin | 4.2788% | 1,521 |
| Noninterest income to average assets | 0.9109% | 1,744 |
| Noninterest expense to average assets | 2.5231% | 5,061 |
| Loan and lease loss provision to assets | 0.3385% | 1,946 |
| Net operating income to assets | 1.3381% | 1,338 |
| Return on assets (ROA) | 1.3381% | 1,495 |
| Pretax return on assets | 2.0197% | 673 |
| Return on Equity (ROE) | 11.2996% | 1,879 |
| Retained earnings to average equity (ytd only) | 1.1841% | 5,600 |
| Net charge-offs to loans | 0.6438% | 1,708 |
| Credit loss provision to net charge-offs | 71.4243% | 3,528 |
| Earnings coverage of net charge-offs (x) | 4.9759% | 2,944 |
| Efficiency ratio | 51.2472% | 6,558 |
| Assets per employee ($millions) | 5.9603% | 1,263 |
| Cash dividends to net income (ytd only)* | 89.5208% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0633% | 2,071 |
| Loan loss allowance to noncurrent loans | 84.7302% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 2.5219% | 2,221 |
| Noncurrent loans to loans | 2.4352% | 2,468 |
| Net loans and leases to total assets | 70.5936% | 1,804 |
| Net loans and leases to deposits | 99.9890% | 416 |
| Net loans and leases to core deposits | 108.9285% | 622 |
| Total domestic deposits to total assets | 70.6014% | 6,878 |
| Equity capital to assets | 11.7042% | 2,411 |
| Core capital (leverage) ratio | 9.7428% | 3,787 |
| Tier 1 risk-based capital ratio | 12.5723% | 5,519 |
| Total risk-based capital ratio | 13.8312% | 5,492 |
| Memoranda: | ||
| Average total assets | $1,419,186,000 | 473 |
| Average earning assets | $1,316,897,330 | 461 |
| Average equity | $168,059,670 | 443 |
| Average total loans | $1,044,738,670 | 409 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 3,654 |
| Cost of funding earning assets | 0.2617% | 6,974 |
| Net interest margin | 4.3038% | 1,457 |
| Noninterest income to average assets | 0.9199% | 1,668 |
| Noninterest expense to average assets | 2.4683% | 5,252 |
| Loan and lease loss provision to assets | 0.3436% | 1,819 |
| Net operating income to assets | 1.3871% | 1,248 |
| Return on assets (ROA) | 1.3871% | 1,394 |
| Pretax return on assets | 2.0989% | 636 |
| Return on Equity (ROE) | 11.6436% | 1,795 |
| Retained earnings to average equity (ytd only) | 3.2944% | 4,590 |
| Net charge-offs to loans | 0.5951% | 1,604 |
| Credit loss provision to net charge-offs | 77.5995% | 2,772 |
| Earnings coverage of net charge-offs (x) | 5.5167% | 2,352 |
| Efficiency ratio | 49.8177% | 6,681 |
| Assets per employee ($millions) | 6.5242% | 964 |
| Cash dividends to net income (ytd only)* | 71.7066% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0845% | 2,140 |
| Loan loss allowance to noncurrent loans | 84.9073% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 2.4932% | 2,369 |
| Noncurrent loans to loans | 2.4550% | 2,656 |
| Net loans and leases to total assets | 69.6739% | 1,810 |
| Net loans and leases to deposits | 99.1366% | 398 |
| Net loans and leases to core deposits | 107.9385% | 612 |
| Total domestic deposits to total assets | 70.2807% | 6,967 |
| Equity capital to assets | 11.3193% | 2,612 |
| Core capital (leverage) ratio | 9.5274% | 4,014 |
| Tier 1 risk-based capital ratio | 12.4752% | 5,623 |
| Total risk-based capital ratio | 13.7349% | 5,584 |
| Memoranda: | ||
| Average total assets | $1,407,586,500 | 473 |
| Average earning assets | $1,305,274,500 | 462 |
| Average equity | $167,679,500 | 441 |
| Average total loans | $1,047,266,000 | 406 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7567% | 4,002 |
| Cost of funding earning assets | 0.3345% | 7,046 |
| Net interest margin | 4.4222% | 1,339 |
| Noninterest income to average assets | 0.8654% | 1,785 |
| Noninterest expense to average assets | 2.4652% | 5,582 |
| Loan and lease loss provision to assets | 0.5421% | 1,936 |
| Net operating income to assets | 1.2808% | 1,293 |
| Return on assets (ROA) | 1.2814% | 1,395 |
| Pretax return on assets | 1.9695% | 565 |
| Return on Equity (ROE) | 10.8541% | 1,747 |
| Retained earnings to average equity (ytd only) | 0.5382% | 5,592 |
| Net charge-offs to loans | 1.1320% | 1,503 |
| Credit loss provision to net charge-offs | 62.2747% | 5,112 |
| Earnings coverage of net charge-offs (x) | 2.8840% | 3,763 |
| Efficiency ratio | 49.1016% | 6,889 |
| Assets per employee ($millions) | 5.9270% | 1,286 |
| Cash dividends to net income (ytd only)* | 95.0411% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1633% | 1,876 |
| Loan loss allowance to noncurrent loans | 101.2102% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 2.5201% | 2,408 |
| Noncurrent loans to loans | 2.1374% | 3,023 |
| Net loans and leases to total assets | 76.3484% | 897 |
| Net loans and leases to deposits | 102.0530% | 374 |
| Net loans and leases to core deposits | 107.6319% | 725 |
| Total domestic deposits to total assets | 74.8124% | 6,631 |
| Equity capital to assets | 12.5773% | 1,758 |
| Core capital (leverage) ratio | 10.0191% | 3,315 |
| Tier 1 risk-based capital ratio | 12.6828% | 5,317 |
| Total risk-based capital ratio | 13.9438% | 5,292 |
| Memoranda: | ||
| Average total assets | $1,395,841,600 | 475 |
| Average earning assets | $1,297,405,000 | 462 |
| Average equity | $164,795,600 | 428 |
| Average total loans | $1,073,368,600 | 392 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7142% | 4,388 |
| Cost of funding earning assets | 0.3516% | 7,122 |
| Net interest margin | 4.3626% | 1,519 |
| Noninterest income to average assets | 0.8142% | 1,982 |
| Noninterest expense to average assets | 2.3860% | 5,802 |
| Loan and lease loss provision to assets | 0.3584% | 2,715 |
| Net operating income to assets | 1.3743% | 1,212 |
| Return on assets (ROA) | 1.3744% | 1,294 |
| Pretax return on assets | 2.1318% | 487 |
| Return on Equity (ROE) | 11.8224% | 1,589 |
| Retained earnings to average equity (ytd only) | 2.0813% | 5,098 |
| Net charge-offs to loans | 0.9810% | 1,647 |
| Credit loss provision to net charge-offs | 47.6776% | 5,084 |
| Earnings coverage of net charge-offs (x) | 3.3126% | 3,483 |
| Efficiency ratio | 48.4866% | 6,928 |
| Assets per employee ($millions) | 6.3490% | 1,015 |
| Cash dividends to net income (ytd only)* | 82.3950% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1337% | 1,993 |
| Loan loss allowance to noncurrent loans | 132.6342% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 2.0823% | 3,047 |
| Noncurrent loans to loans | 1.6087% | 3,885 |
| Net loans and leases to total assets | 74.2884% | 1,281 |
| Net loans and leases to deposits | 107.6060% | 219 |
| Net loans and leases to core deposits | 117.4423% | 455 |
| Total domestic deposits to total assets | 69.0374% | 7,090 |
| Equity capital to assets | 11.8705% | 2,358 |
| Core capital (leverage) ratio | 9.9616% | 3,490 |
| Tier 1 risk-based capital ratio | 12.6440% | 5,375 |
| Total risk-based capital ratio | 13.9050% | 5,349 |
| Memoranda: | ||
| Average total assets | $1,412,887,250 | 475 |
| Average earning assets | $1,315,520,750 | 460 |
| Average equity | $164,248,750 | 442 |
| Average total loans | $1,082,696,000 | 393 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 4,610 |
| Cost of funding earning assets | 0.3771% | 7,181 |
| Net interest margin | 4.3058% | 1,633 |
| Noninterest income to average assets | 0.8718% | 1,739 |
| Noninterest expense to average assets | 2.3734% | 5,924 |
| Loan and lease loss provision to assets | 0.3566% | 2,649 |
| Net operating income to assets | 1.3877% | 1,108 |
| Return on assets (ROA) | 1.3878% | 1,177 |
| Pretax return on assets | 2.1582% | 439 |
| Return on Equity (ROE) | 12.0225% | 1,481 |
| Retained earnings to average equity (ytd only) | 2.2202% | 4,882 |
| Net charge-offs to loans | 1.4116% | 1,073 |
| Credit loss provision to net charge-offs | 32.8597% | 4,948 |
| Earnings coverage of net charge-offs (x) | 2.3174% | 3,669 |
| Efficiency ratio | 48.1119% | 7,056 |
| Assets per employee ($millions) | 6.5548% | 909 |
| Cash dividends to net income (ytd only)* | 81.5328% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0610% | 2,205 |
| Loan loss allowance to noncurrent loans | 142.8684% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 1.9337% | 3,329 |
| Noncurrent loans to loans | 1.4426% | 4,254 |
| Net loans and leases to total assets | 71.9891% | 1,786 |
| Net loans and leases to deposits | 101.0851% | 445 |
| Net loans and leases to core deposits | 111.1804% | 684 |
| Total domestic deposits to total assets | 71.2163% | 7,048 |
| Equity capital to assets | 11.4705% | 2,528 |
| Core capital (leverage) ratio | 9.8781% | 3,413 |
| Tier 1 risk-based capital ratio | 12.6782% | 5,194 |
| Total risk-based capital ratio | 13.9384% | 5,158 |
| Memoranda: | ||
| Average total assets | $1,414,023,000 | 483 |
| Average earning assets | $1,318,910,330 | 468 |
| Average equity | $163,227,670 | 445 |
| Average total loans | $1,086,958,330 | 402 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7071% | 4,486 |
| Cost of funding earning assets | 0.4031% | 7,217 |
| Net interest margin | 4.3039% | 1,556 |
| Noninterest income to average assets | 0.9931% | 1,348 |
| Noninterest expense to average assets | 2.4454% | 5,750 |
| Loan and lease loss provision to assets | 0.3606% | 2,394 |
| Net operating income to assets | 1.4181% | 1,034 |
| Return on assets (ROA) | 1.4183% | 1,067 |
| Pretax return on assets | 2.2137% | 390 |
| Return on Equity (ROE) | 12.2465% | 1,393 |
| Retained earnings to average equity (ytd only) | 2.3783% | 4,723 |
| Net charge-offs to loans | 1.5746% | 860 |
| Credit loss provision to net charge-offs | 29.1320% | 4,131 |
| Earnings coverage of net charge-offs (x) | 2.0796% | 3,258 |
| Efficiency ratio | 48.2810% | 7,108 |
| Assets per employee ($millions) | 6.5670% | 901 |
| Cash dividends to net income (ytd only)* | 80.5802% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2224% | 1,908 |
| Loan loss allowance to noncurrent loans | 92.0163% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.9986% | 3,317 |
| Noncurrent loans to loans | 2.4152% | 3,073 |
| Net loans and leases to total assets | 73.1974% | 1,483 |
| Net loans and leases to deposits | 103.5778% | 324 |
| Net loans and leases to core deposits | 114.9530% | 566 |
| Total domestic deposits to total assets | 70.6690% | 7,148 |
| Equity capital to assets | 11.3280% | 2,394 |
| Core capital (leverage) ratio | 9.6135% | 3,641 |
| Tier 1 risk-based capital ratio | 12.6071% | 5,157 |
| Total risk-based capital ratio | 13.8700% | 5,129 |
| Memoranda: | ||
| Average total assets | $1,400,007,500 | 491 |
| Average earning assets | $1,309,688,000 | 477 |
| Average equity | $162,136,000 | 441 |
| Average total loans | $1,100,454,000 | 400 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 4,945 |
| Cost of funding earning assets | 0.5378% | 7,245 |
| Net interest margin | 4.3764% | 1,568 |
| Noninterest income to average assets | 0.9726% | 1,598 |
| Noninterest expense to average assets | 2.4072% | 6,077 |
| Loan and lease loss provision to assets | 0.7277% | 2,255 |
| Net operating income to assets | 1.2173% | 1,375 |
| Return on assets (ROA) | 1.2173% | 1,448 |
| Pretax return on assets | 1.9333% | 565 |
| Return on Equity (ROE) | 11.0569% | 1,572 |
| Retained earnings to average equity (ytd only) | 2.6261% | 4,027 |
| Net charge-offs to loans | 0.7791% | 2,691 |
| Credit loss provision to net charge-offs | 116.9521% | 3,663 |
| Earnings coverage of net charge-offs (x) | 4.2768% | 2,988 |
| Efficiency ratio | 47.0805% | 7,313 |
| Assets per employee ($millions) | 5.7951% | 1,359 |
| Cash dividends to net income (ytd only)* | 76.2496% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4013% | 1,546 |
| Loan loss allowance to noncurrent loans | 73.1487% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 2.8234% | 2,479 |
| Noncurrent loans to loans | 3.2827% | 2,310 |
| Net loans and leases to total assets | 80.5731% | 589 |
| Net loans and leases to deposits | 109.2397% | 245 |
| Net loans and leases to core deposits | 119.2731% | 553 |
| Total domestic deposits to total assets | 73.7581% | 6,924 |
| Equity capital to assets | 11.8483% | 2,007 |
| Core capital (leverage) ratio | 9.4998% | 3,706 |
| Tier 1 risk-based capital ratio | 12.2350% | 5,272 |
| Total risk-based capital ratio | 13.5006% | 5,219 |
| Memoranda: | ||
| Average total assets | $1,454,406,600 | 465 |
| Average earning assets | $1,361,058,800 | 452 |
| Average equity | $160,126,400 | 429 |
| Average total loans | $1,161,536,000 | 387 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 5,420 |
| Cost of funding earning assets | 0.5559% | 7,372 |
| Net interest margin | 4.3083% | 1,825 |
| Noninterest income to average assets | 0.7399% | 2,581 |
| Noninterest expense to average assets | 2.3270% | 6,244 |
| Loan and lease loss provision to assets | 0.5062% | 2,926 |
| Net operating income to assets | 1.2178% | 1,540 |
| Return on assets (ROA) | 1.2178% | 1,617 |
| Pretax return on assets | 1.9406% | 718 |
| Return on Equity (ROE) | 11.2591% | 1,707 |
| Retained earnings to average equity (ytd only) | 1.2480% | 5,310 |
| Net charge-offs to loans | 0.9149% | 2,162 |
| Credit loss provision to net charge-offs | 69.8282% | 5,424 |
| Earnings coverage of net charge-offs (x) | 3.3752% | 3,477 |
| Efficiency ratio | 48.3092% | 7,253 |
| Assets per employee ($millions) | 6.7359% | 869 |
| Cash dividends to net income (ytd only)* | 88.9152% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0020% | 2,212 |
| Loan loss allowance to noncurrent loans | 87.8882% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.8454% | 3,684 |
| Noncurrent loans to loans | 2.2779% | 3,355 |
| Net loans and leases to total assets | 76.1040% | 1,391 |
| Net loans and leases to deposits | 100.9684% | 586 |
| Net loans and leases to core deposits | 112.0301% | 933 |
| Total domestic deposits to total assets | 75.3740% | 6,758 |
| Equity capital to assets | 10.8426% | 3,125 |
| Core capital (leverage) ratio | 9.3838% | 4,083 |
| Tier 1 risk-based capital ratio | 11.8105% | 5,628 |
| Total risk-based capital ratio | 13.0713% | 5,600 |
| Memoranda: | ||
| Average total assets | $1,477,548,250 | 457 |
| Average earning assets | $1,383,439,000 | 441 |
| Average equity | $159,819,250 | 419 |
| Average total loans | $1,170,851,500 | 385 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 5,383 |
| Cost of funding earning assets | 0.5854% | 7,434 |
| Net interest margin | 4.3143% | 1,722 |
| Noninterest income to average assets | 0.7678% | 2,290 |
| Noninterest expense to average assets | 2.2652% | 6,456 |
| Loan and lease loss provision to assets | 0.5181% | 2,717 |
| Net operating income to assets | 1.2670% | 1,387 |
| Return on assets (ROA) | 1.2670% | 1,454 |
| Pretax return on assets | 2.0205% | 577 |
| Return on Equity (ROE) | 11.7229% | 1,520 |
| Retained earnings to average equity (ytd only) | 1.6937% | 5,029 |
| Net charge-offs to loans | 0.3259% | 3,694 |
| Credit loss provision to net charge-offs | 199.2705% | 1,981 |
| Earnings coverage of net charge-offs (x) | 9.7634% | 1,977 |
| Efficiency ratio | 46.7225% | 7,406 |
| Assets per employee ($millions) | 6.6038% | 914 |
| Cash dividends to net income (ytd only)* | 85.5523% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3858% | 1,445 |
| Loan loss allowance to noncurrent loans | 92.6786% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 2.1396% | 3,328 |
| Noncurrent loans to loans | 2.5743% | 3,066 |
| Net loans and leases to total assets | 77.7789% | 1,150 |
| Net loans and leases to deposits | 105.4126% | 422 |
| Net loans and leases to core deposits | 117.5805% | 782 |
| Total domestic deposits to total assets | 73.7851% | 6,997 |
| Equity capital to assets | 11.1243% | 2,751 |
| Core capital (leverage) ratio | 9.1855% | 4,322 |
| Tier 1 risk-based capital ratio | 11.6625% | 5,615 |
| Total risk-based capital ratio | 12.9276% | 5,563 |
| Memoranda: | ||
| Average total assets | $1,476,101,000 | 457 |
| Average earning assets | $1,380,865,670 | 445 |
| Average equity | $159,533,670 | 425 |
| Average total loans | $1,177,530,000 | 389 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 5,829 |
| Cost of funding earning assets | 0.6106% | 7,521 |
| Net interest margin | 4.2072% | 2,013 |
| Noninterest income to average assets | 0.8180% | 1,939 |
| Noninterest expense to average assets | 2.2332% | 6,600 |
| Loan and lease loss provision to assets | 0.5576% | 2,271 |
| Net operating income to assets | 1.2337% | 1,449 |
| Return on assets (ROA) | 1.2337% | 1,524 |
| Pretax return on assets | 1.9650% | 645 |
| Return on Equity (ROE) | 11.5785% | 1,620 |
| Retained earnings to average equity (ytd only) | 4.0421% | 3,728 |
| Net charge-offs to loans | 0.4514% | 2,692 |
| Credit loss provision to net charge-offs | 154.7548% | 2,313 |
| Earnings coverage of net charge-offs (x) | 7.0015% | 2,139 |
| Efficiency ratio | 46.5245% | 7,525 |
| Assets per employee ($millions) | 6.9214% | 832 |
| Cash dividends to net income (ytd only)* | 65.0900% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2262% | 1,694 |
| Loan loss allowance to noncurrent loans | 93.7221% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 1.9420% | 3,572 |
| Noncurrent loans to loans | 2.3754% | 3,306 |
| Net loans and leases to total assets | 76.6121% | 1,412 |
| Net loans and leases to deposits | 101.7743% | 654 |
| Net loans and leases to core deposits | 115.2651% | 983 |
| Total domestic deposits to total assets | 75.2764% | 6,867 |
| Equity capital to assets | 10.6513% | 3,086 |
| Core capital (leverage) ratio | 8.6724% | 5,064 |
| Tier 1 risk-based capital ratio | 11.3281% | 5,832 |
| Total risk-based capital ratio | 12.5911% | 5,793 |
| Memoranda: | ||
| Average total assets | $1,494,332,500 | 468 |
| Average earning assets | $1,398,652,500 | 454 |
| Average equity | $159,225,500 | 431 |
| Average total loans | $1,192,744,000 | 399 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 6,122 |
| Cost of funding earning assets | 0.9098% | 7,386 |
| Net interest margin | 4.1817% | 2,129 |
| Noninterest income to average assets | 0.9952% | 1,591 |
| Noninterest expense to average assets | 2.3685% | 6,555 |
| Loan and lease loss provision to assets | 0.7327% | 2,915 |
| Net operating income to assets | 1.1585% | 1,364 |
| Return on assets (ROA) | 1.1585% | 1,389 |
| Pretax return on assets | 1.8092% | 623 |
| Return on Equity (ROE) | 11.2617% | 1,363 |
| Retained earnings to average equity (ytd only) | 4.1740% | 2,296 |
| Net charge-offs to loans | 0.4653% | 3,917 |
| Credit loss provision to net charge-offs | 193.3532% | 2,053 |
| Earnings coverage of net charge-offs (x) | 6.7079% | 2,306 |
| Efficiency ratio | 47.8207% | 7,639 |
| Assets per employee ($millions) | 6.3807% | 1,035 |
| Cash dividends to net income (ytd only)* | 62.9363% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1068% | 1,810 |
| Loan loss allowance to noncurrent loans | 90.0803% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.9113% | 3,514 |
| Noncurrent loans to loans | 2.3388% | 3,248 |
| Net loans and leases to total assets | 79.5815% | 1,070 |
| Net loans and leases to deposits | 105.5046% | 580 |
| Net loans and leases to core deposits | 125.5363% | 1,550 |
| Total domestic deposits to total assets | 75.4294% | 6,787 |
| Equity capital to assets | 10.6593% | 3,010 |
| Core capital (leverage) ratio | 9.1167% | 4,246 |
| Tier 1 risk-based capital ratio | 11.0084% | 5,906 |
| Total risk-based capital ratio | 12.2701% | 5,866 |
| Memoranda: | ||
| Average total assets | $1,508,698,400 | 454 |
| Average earning assets | $1,412,543,400 | 446 |
| Average equity | $155,199,200 | 438 |
| Average total loans | $1,228,776,400 | 396 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 6,231 |
| Cost of funding earning assets | 0.9993% | 7,388 |
| Net interest margin | 4.1107% | 2,354 |
| Noninterest income to average assets | 0.9821% | 1,665 |
| Noninterest expense to average assets | 2.3921% | 6,437 |
| Loan and lease loss provision to assets | 0.4939% | 3,432 |
| Net operating income to assets | 1.2372% | 1,383 |
| Return on assets (ROA) | 1.2372% | 1,447 |
| Pretax return on assets | 1.9476% | 593 |
| Return on Equity (ROE) | 12.1342% | 1,323 |
| Retained earnings to average equity (ytd only) | 5.6569% | 2,123 |
| Net charge-offs to loans | 0.3560% | 3,866 |
| Credit loss provision to net charge-offs | 170.2793% | 2,735 |
| Earnings coverage of net charge-offs (x) | 8.4174% | 2,245 |
| Efficiency ratio | 49.0709% | 7,618 |
| Assets per employee ($millions) | 6.4272% | 1,017 |
| Cash dividends to net income (ytd only)* | 53.3808% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 2,120 |
| Loan loss allowance to noncurrent loans | 200.0981% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 5,475 |
| Noncurrent loans to loans | 0.9319% | 5,430 |
| Net loans and leases to total assets | 82.7717% | 701 |
| Net loans and leases to deposits | 111.1129% | 420 |
| Net loans and leases to core deposits | 132.9557% | 1,268 |
| Total domestic deposits to total assets | 74.4933% | 6,867 |
| Equity capital to assets | 11.1328% | 2,899 |
| Core capital (leverage) ratio | 9.1808% | 4,363 |
| Tier 1 risk-based capital ratio | 10.9855% | 5,966 |
| Total risk-based capital ratio | 12.2440% | 5,927 |
| Memoranda: | ||
| Average total assets | $1,514,194,750 | 465 |
| Average earning assets | $1,418,704,000 | 457 |
| Average equity | $154,380,750 | 452 |
| Average total loans | $1,233,817,750 | 413 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 6,527 |
| Cost of funding earning assets | 1.1104% | 7,352 |
| Net interest margin | 3.9660% | 2,840 |
| Noninterest income to average assets | 1.0186% | 1,529 |
| Noninterest expense to average assets | 2.3569% | 6,605 |
| Loan and lease loss provision to assets | 0.4886% | 3,092 |
| Net operating income to assets | 1.1776% | 1,541 |
| Return on assets (ROA) | 1.1776% | 1,622 |
| Pretax return on assets | 1.8881% | 713 |
| Return on Equity (ROE) | 11.8868% | 1,452 |
| Retained earnings to average equity (ytd only) | 4.0381% | 3,039 |
| Net charge-offs to loans | 0.4492% | 3,021 |
| Credit loss provision to net charge-offs | 134.9320% | 3,453 |
| Earnings coverage of net charge-offs (x) | 6.5641% | 2,594 |
| Efficiency ratio | 49.3717% | 7,701 |
| Assets per employee ($millions) | 6.1084% | 1,150 |
| Cash dividends to net income (ytd only)* | 66.0284% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 2,228 |
| Loan loss allowance to noncurrent loans | 205.6725% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 5,183 |
| Noncurrent loans to loans | 0.8441% | 5,532 |
| Net loans and leases to total assets | 83.5651% | 697 |
| Net loans and leases to deposits | 116.0180% | 330 |
| Net loans and leases to core deposits | 143.1349% | 882 |
| Total domestic deposits to total assets | 72.0277% | 7,238 |
| Equity capital to assets | 10.8219% | 3,085 |
| Core capital (leverage) ratio | 8.3758% | 5,664 |
| Tier 1 risk-based capital ratio | 10.5003% | 6,379 |
| Total risk-based capital ratio | 11.7565% | 6,317 |
| Memoranda: | ||
| Average total assets | $1,543,316,330 | 471 |
| Average earning assets | $1,445,627,000 | 459 |
| Average equity | $152,892,330 | 461 |
| Average total loans | $1,243,939,670 | 423 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 7,205 |
| Cost of funding earning assets | 1.2703% | 7,116 |
| Net interest margin | 3.6152% | 4,257 |
| Noninterest income to average assets | 0.9163% | 1,789 |
| Noninterest expense to average assets | 2.1219% | 7,068 |
| Loan and lease loss provision to assets | 0.3819% | 3,030 |
| Net operating income to assets | 1.1243% | 1,880 |
| Return on assets (ROA) | 1.1243% | 2,005 |
| Pretax return on assets | 1.8049% | 968 |
| Return on Equity (ROE) | 11.8371% | 1,716 |
| Retained earnings to average equity (ytd only) | 3.9422% | 3,702 |
| Net charge-offs to loans | 0.7414% | 1,703 |
| Credit loss provision to net charge-offs | 65.5232% | 4,426 |
| Earnings coverage of net charge-offs (x) | 3.7517% | 3,076 |
| Efficiency ratio | 48.7992% | 7,681 |
| Assets per employee ($millions) | 6.8427% | 833 |
| Cash dividends to net income (ytd only)* | 66.6963% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 2,713 |
| Loan loss allowance to noncurrent loans | 186.2900% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 5,136 |
| Noncurrent loans to loans | 0.8334% | 5,356 |
| Net loans and leases to total assets | 77.1828% | 1,996 |
| Net loans and leases to deposits | 101.8333% | 1,194 |
| Net loans and leases to core deposits | 125.6832% | 1,942 |
| Total domestic deposits to total assets | 75.7933% | 6,555 |
| Equity capital to assets | 9.6367% | 4,473 |
| Core capital (leverage) ratio | 7.8517% | 6,688 |
| Tier 1 risk-based capital ratio | 9.9121% | 7,021 |
| Total risk-based capital ratio | 11.1660% | 6,913 |
| Memoranda: | ||
| Average total assets | $1,600,297,000 | 458 |
| Average earning assets | $1,501,673,500 | 445 |
| Average equity | $151,996,500 | 460 |
| Average total loans | $1,258,137,500 | 424 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 6,891 |
| Cost of funding earning assets | 1.9551% | 6,553 |
| Net interest margin | 3.7083% | 4,438 |
| Noninterest income to average assets | 0.6928% | 3,167 |
| Noninterest expense to average assets | 2.1763% | 7,032 |
| Loan and lease loss provision to assets | 0.1342% | 5,640 |
| Net operating income to assets | 1.1592% | 1,912 |
| Return on assets (ROA) | 1.1592% | 1,840 |
| Pretax return on assets | 1.8309% | 885 |
| Return on Equity (ROE) | 11.8171% | 1,650 |
| Retained earnings to average equity (ytd only) | 4.6478% | 2,233 |
| Net charge-offs to loans | 0.1233% | 5,005 |
| Credit loss provision to net charge-offs | 135.4970% | 3,935 |
| Earnings coverage of net charge-offs (x) | 19.8371% | 1,605 |
| Efficiency ratio | 52.0532% | 7,482 |
| Assets per employee ($millions) | 6.9530% | 721 |
| Cash dividends to net income (ytd only)* | 60.6691% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 2,314 |
| Loan loss allowance to noncurrent loans | 604.7476% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 6,021 |
| Noncurrent loans to loans | 0.2617% | 6,592 |
| Net loans and leases to total assets | 77.5869% | 2,242 |
| Net loans and leases to deposits | 100.8174% | 1,737 |
| Net loans and leases to core deposits | 119.6837% | 2,719 |
| Total domestic deposits to total assets | 76.9579% | 6,002 |
| Equity capital to assets | 9.3616% | 4,866 |
| Core capital (leverage) ratio | 8.2785% | 5,998 |
| Tier 1 risk-based capital ratio | 9.7314% | 7,043 |
| Total risk-based capital ratio | 10.9859% | 6,946 |
| Memoranda: | ||
| Average total assets | $1,492,969,800 | 470 |
| Average earning assets | $1,388,423,000 | 461 |
| Average equity | $146,457,400 | 473 |
| Average total loans | $1,199,116,000 | 432 |