Home > Century Bank and Trust Company > Performance and Condition Ratios
Century Bank and Trust Company, 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 | 2.1310% | 4,736 |
| Cost of funding earning assets | 0.3394% | 2,207 |
| Net interest margin | 1.7916% | 4,748 |
| Noninterest income to average assets | 0.2374% | 3,981 |
| Noninterest expense to average assets | 1.1904% | 4,791 |
| Loan and lease loss provision to assets | -0.0143% | 4,334 |
| Net operating income to assets | 0.6473% | 3,907 |
| Return on assets (ROA) | 0.6473% | 3,958 |
| Pretax return on assets | 0.7691% | 3,946 |
| Return on Equity (ROE) | 11.1244% | 2,335 |
| Retained earnings to average equity (ytd only) | 10.7149% | 1,118 |
| Net charge-offs to loans | -0.0013% | 3,151 |
| Credit loss provision to net charge-offs | 2,678.5714% | 261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1953% | 2,806 |
| Assets per employee ($millions) | 17.8254% | 133 |
| Cash dividends to net income (ytd only)* | 3.6816% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 3,044 |
| Loan loss allowance to noncurrent loans | 2,637.6328% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 4,079 |
| Noncurrent loans to loans | 0.0451% | 3,890 |
| Net loans and leases to total assets | 40.6437% | 4,178 |
| Net loans and leases to deposits | 46.5778% | 4,207 |
| Net loans and leases to core deposits | 49.3407% | 4,176 |
| Total domestic deposits to total assets | 87.2599% | 2,239 |
| Equity capital to assets | 5.9751% | 4,889 |
| Core capital (leverage) ratio | 6.1477% | 4,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3539% | 2,597 |
| Memoranda: | ||
| Average total assets | $6,993,488,750 | 208 |
| Average earning assets | $6,666,368,500 | 197 |
| Average equity | $406,937,500 | 313 |
| Average total loans | $2,978,300,250 | 274 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1521% | 4,775 |
| Cost of funding earning assets | 0.3706% | 2,133 |
| Net interest margin | 1.7816% | 4,791 |
| Noninterest income to average assets | 0.2378% | 3,981 |
| Noninterest expense to average assets | 1.2022% | 4,824 |
| Loan and lease loss provision to assets | -0.0158% | 4,421 |
| Net operating income to assets | 0.6316% | 3,914 |
| Return on assets (ROA) | 0.6321% | 3,973 |
| Pretax return on assets | 0.7484% | 3,975 |
| Return on Equity (ROE) | 10.9636% | 2,434 |
| Retained earnings to average equity (ytd only) | 10.3400% | 1,305 |
| Net charge-offs to loans | -0.0009% | 3,075 |
| Credit loss provision to net charge-offs | 4,230.7692% | 162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1567% | 2,707 |
| Assets per employee ($millions) | 17.5042% | 139 |
| Cash dividends to net income (ytd only)* | 5.6875% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 3,113 |
| Loan loss allowance to noncurrent loans | 2,751.8898% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,165 |
| Noncurrent loans to loans | 0.0423% | 3,979 |
| Net loans and leases to total assets | 40.9038% | 4,245 |
| Net loans and leases to deposits | 46.4894% | 4,293 |
| Net loans and leases to core deposits | 49.6798% | 4,246 |
| Total domestic deposits to total assets | 87.9851% | 1,830 |
| Equity capital to assets | 5.6945% | 4,933 |
| Core capital (leverage) ratio | 5.9386% | 4,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7784% | 2,782 |
| Memoranda: | ||
| Average total assets | $6,953,877,667 | 206 |
| Average earning assets | $6,621,577,000 | 200 |
| Average equity | $400,927,667 | 310 |
| Average total loans | $2,995,908,000 | 272 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1997% | 4,793 |
| Cost of funding earning assets | 0.4192% | 1,945 |
| Net interest margin | 1.7805% | 4,817 |
| Noninterest income to average assets | 0.2431% | 3,939 |
| Noninterest expense to average assets | 1.2255% | 4,852 |
| Loan and lease loss provision to assets | -0.0323% | 4,620 |
| Net operating income to assets | 0.6403% | 3,835 |
| Return on assets (ROA) | 0.6426% | 3,897 |
| Pretax return on assets | 0.7438% | 3,927 |
| Return on Equity (ROE) | 11.0728% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.8072% | 1,706 |
| Net charge-offs to loans | -0.0021% | 3,150 |
| Credit loss provision to net charge-offs | 3,437.5000% | 162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3536% | 2,554 |
| Assets per employee ($millions) | 16.6027% | 149 |
| Cash dividends to net income (ytd only)* | 11.4301% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,103 |
| Loan loss allowance to noncurrent loans | 3,710.4034% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,289 |
| Noncurrent loans to loans | 0.0315% | 4,126 |
| Net loans and leases to total assets | 40.6740% | 4,305 |
| Net loans and leases to deposits | 46.2164% | 4,341 |
| Net loans and leases to core deposits | 49.7736% | 4,304 |
| Total domestic deposits to total assets | 88.0076% | 1,838 |
| Equity capital to assets | 5.5060% | 4,958 |
| Core capital (leverage) ratio | 5.9471% | 4,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8088% | 2,736 |
| Memoranda: | ||
| Average total assets | $6,807,453,000 | 209 |
| Average earning assets | $6,465,925,000 | 202 |
| Average equity | $395,058,500 | 314 |
| Average total loans | $2,994,295,500 | 272 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6533% | 4,805 |
| Cost of funding earning assets | 0.7341% | 1,546 |
| Net interest margin | 1.9192% | 4,854 |
| Noninterest income to average assets | 0.3205% | 3,540 |
| Noninterest expense to average assets | 1.2375% | 4,888 |
| Loan and lease loss provision to assets | 0.0985% | 3,103 |
| Net operating income to assets | 0.7293% | 3,338 |
| Return on assets (ROA) | 0.7291% | 3,461 |
| Pretax return on assets | 0.8077% | 3,614 |
| Return on Equity (ROE) | 11.5948% | 1,446 |
| Retained earnings to average equity (ytd only) | 10.2505% | 545 |
| Net charge-offs to loans | -0.0028% | 4,029 |
| Credit loss provision to net charge-offs | -7,664.4737% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7200% | 3,765 |
| Assets per employee ($millions) | 14.3181% | 203 |
| Cash dividends to net income (ytd only)* | 11.5939% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 3,033 |
| Loan loss allowance to noncurrent loans | 868.4777% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 4,021 |
| Noncurrent loans to loans | 0.1364% | 3,737 |
| Net loans and leases to total assets | 46.6717% | 4,077 |
| Net loans and leases to deposits | 54.2450% | 4,102 |
| Net loans and leases to core deposits | 60.1809% | 3,934 |
| Total domestic deposits to total assets | 86.0387% | 2,349 |
| Equity capital to assets | 6.1442% | 4,975 |
| Core capital (leverage) ratio | 6.4122% | 4,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0338% | 2,617 |
| Memoranda: | ||
| Average total assets | $5,914,891,800 | 222 |
| Average earning assets | $5,619,827,400 | 211 |
| Average equity | $371,943,000 | 311 |
| Average total loans | $2,741,812,400 | 283 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7131% | 4,858 |
| Cost of funding earning assets | 0.8036% | 1,483 |
| Net interest margin | 1.9095% | 4,913 |
| Noninterest income to average assets | 0.2856% | 3,777 |
| Noninterest expense to average assets | 1.2203% | 4,936 |
| Loan and lease loss provision to assets | 0.0844% | 3,259 |
| Net operating income to assets | 0.7200% | 3,391 |
| Return on assets (ROA) | 0.7194% | 3,493 |
| Pretax return on assets | 0.7974% | 3,654 |
| Return on Equity (ROE) | 11.3696% | 1,569 |
| Retained earnings to average equity (ytd only) | 10.0091% | 763 |
| Net charge-offs to loans | -0.0067% | 4,124 |
| Credit loss provision to net charge-offs | -2,742.5373% | 4,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0340% | 3,659 |
| Assets per employee ($millions) | 14.7396% | 174 |
| Cash dividends to net income (ytd only)* | 11.9663% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 3,116 |
| Loan loss allowance to noncurrent loans | 2,274.7956% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,351 |
| Noncurrent loans to loans | 0.0491% | 4,182 |
| Net loans and leases to total assets | 47.0887% | 4,264 |
| Net loans and leases to deposits | 54.5838% | 4,315 |
| Net loans and leases to core deposits | 60.6795% | 4,169 |
| Total domestic deposits to total assets | 86.2686% | 1,952 |
| Equity capital to assets | 6.1008% | 5,002 |
| Core capital (leverage) ratio | 6.5599% | 4,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0003% | 2,610 |
| Memoranda: | ||
| Average total assets | $5,807,886,500 | 223 |
| Average earning assets | $5,527,091,250 | 215 |
| Average equity | $367,497,750 | 308 |
| Average total loans | $2,678,308,250 | 287 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8233% | 4,897 |
| Cost of funding earning assets | 0.9048% | 1,357 |
| Net interest margin | 1.9184% | 4,966 |
| Noninterest income to average assets | 0.2936% | 3,710 |
| Noninterest expense to average assets | 1.2416% | 4,963 |
| Loan and lease loss provision to assets | 0.0982% | 3,051 |
| Net operating income to assets | 0.7168% | 3,336 |
| Return on assets (ROA) | 0.7165% | 3,448 |
| Pretax return on assets | 0.7801% | 3,647 |
| Return on Equity (ROE) | 11.1751% | 1,578 |
| Retained earnings to average equity (ytd only) | 9.7950% | 827 |
| Net charge-offs to loans | -0.0121% | 4,260 |
| Credit loss provision to net charge-offs | -1,778.8462% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5597% | 3,616 |
| Assets per employee ($millions) | 13.9541% | 200 |
| Cash dividends to net income (ytd only)* | 12.3493% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,715 |
| Loan loss allowance to noncurrent loans | 2,114.1743% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,425 |
| Noncurrent loans to loans | 0.0550% | 4,261 |
| Net loans and leases to total assets | 46.6330% | 4,330 |
| Net loans and leases to deposits | 54.0593% | 4,378 |
| Net loans and leases to core deposits | 59.9962% | 4,261 |
| Total domestic deposits to total assets | 86.2628% | 1,906 |
| Equity capital to assets | 6.2767% | 5,026 |
| Core capital (leverage) ratio | 6.6839% | 5,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3760% | 2,453 |
| Memoranda: | ||
| Average total assets | $5,650,819,000 | 221 |
| Average earning assets | $5,380,101,000 | 216 |
| Average equity | $362,306,000 | 314 |
| Average total loans | $2,574,366,667 | 294 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0348% | 4,941 |
| Cost of funding earning assets | 1.0878% | 1,086 |
| Net interest margin | 1.9470% | 5,026 |
| Noninterest income to average assets | 0.3149% | 3,630 |
| Noninterest expense to average assets | 1.3143% | 4,999 |
| Loan and lease loss provision to assets | 0.0780% | 2,742 |
| Net operating income to assets | 0.7271% | 3,177 |
| Return on assets (ROA) | 0.7228% | 3,278 |
| Pretax return on assets | 0.7718% | 3,486 |
| Return on Equity (ROE) | 11.1479% | 1,372 |
| Retained earnings to average equity (ytd only) | 9.7487% | 792 |
| Net charge-offs to loans | -0.0234% | 4,388 |
| Credit loss provision to net charge-offs | -746.5278% | 3,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6024% | 3,664 |
| Assets per employee ($millions) | 12.7785% | 199 |
| Cash dividends to net income (ytd only)* | 12.5515% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,498 |
| Loan loss allowance to noncurrent loans | 1,810.9347% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 4,468 |
| Noncurrent loans to loans | 0.0681% | 4,263 |
| Net loans and leases to total assets | 44.5033% | 4,487 |
| Net loans and leases to deposits | 54.0541% | 4,441 |
| Net loans and leases to core deposits | 61.0006% | 4,314 |
| Total domestic deposits to total assets | 82.3311% | 3,322 |
| Equity capital to assets | 6.5128% | 5,089 |
| Core capital (leverage) ratio | 7.0127% | 5,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6337% | 2,430 |
| Memoranda: | ||
| Average total assets | $5,510,979,500 | 221 |
| Average earning assets | $5,247,161,500 | 213 |
| Average equity | $357,340,000 | 315 |
| Average total loans | $2,462,506,500 | 297 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1691% | 5,007 |
| Cost of funding earning assets | 1.2296% | 947 |
| Net interest margin | 1.9395% | 5,100 |
| Noninterest income to average assets | 0.3432% | 3,653 |
| Noninterest expense to average assets | 1.3626% | 5,056 |
| Loan and lease loss provision to assets | 0.0237% | 3,546 |
| Net operating income to assets | 0.7760% | 3,629 |
| Return on assets (ROA) | 0.7784% | 3,695 |
| Pretax return on assets | 0.8063% | 3,960 |
| Return on Equity (ROE) | 12.0888% | 1,477 |
| Retained earnings to average equity (ytd only) | 10.6168% | 383 |
| Net charge-offs to loans | 0.0089% | 3,366 |
| Credit loss provision to net charge-offs | 600.9615% | 511 |
| Earnings coverage of net charge-offs (x) | 209.8798% | 384 |
| Efficiency ratio | 62.2169% | 3,342 |
| Assets per employee ($millions) | 12.6762% | 189 |
| Cash dividends to net income (ytd only)* | 12.1764% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,327 |
| Loan loss allowance to noncurrent loans | 1,468.9672% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 4,460 |
| Noncurrent loans to loans | 0.0830% | 4,190 |
| Net loans and leases to total assets | 43.7635% | 4,611 |
| Net loans and leases to deposits | 54.4260% | 4,517 |
| Net loans and leases to core deposits | 59.6134% | 4,459 |
| Total domestic deposits to total assets | 80.4092% | 3,897 |
| Equity capital to assets | 6.4551% | 5,160 |
| Core capital (leverage) ratio | 7.0057% | 5,142 |
| Tier 1 risk-based capital ratio | 12.5749% | 4,021 |
| Total risk-based capital ratio | 13.5743% | 4,040 |
| Memoranda: | ||
| Average total assets | $5,275,489,600 | 215 |
| Average earning assets | $5,023,811,200 | 208 |
| Average equity | $339,677,600 | 313 |
| Average total loans | $2,342,117,800 | 294 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1811% | 5,098 |
| Cost of funding earning assets | 1.2586% | 885 |
| Net interest margin | 1.9225% | 5,191 |
| Noninterest income to average assets | 0.3441% | 3,668 |
| Noninterest expense to average assets | 1.3718% | 5,123 |
| Loan and lease loss provision to assets | 0.0179% | 3,553 |
| Net operating income to assets | 0.7625% | 3,801 |
| Return on assets (ROA) | 0.7658% | 3,861 |
| Pretax return on assets | 0.7878% | 4,145 |
| Return on Equity (ROE) | 11.9017% | 1,655 |
| Retained earnings to average equity (ytd only) | 10.4146% | 650 |
| Net charge-offs to loans | 0.0084% | 3,068 |
| Credit loss provision to net charge-offs | 479.4521% | 654 |
| Earnings coverage of net charge-offs (x) | 215.3582% | 421 |
| Efficiency ratio | 63.0975% | 3,144 |
| Assets per employee ($millions) | 12.3128% | 200 |
| Cash dividends to net income (ytd only)* | 12.4946% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 2,370 |
| Loan loss allowance to noncurrent loans | 2,729.5497% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,642 |
| Noncurrent loans to loans | 0.0449% | 4,451 |
| Net loans and leases to total assets | 44.4239% | 4,677 |
| Net loans and leases to deposits | 54.0412% | 4,626 |
| Net loans and leases to core deposits | 59.0603% | 4,564 |
| Total domestic deposits to total assets | 82.2039% | 3,415 |
| Equity capital to assets | 6.6307% | 5,234 |
| Core capital (leverage) ratio | 7.0059% | 5,218 |
| Tier 1 risk-based capital ratio | 12.7159% | 4,020 |
| Total risk-based capital ratio | 13.7366% | 4,033 |
| Memoranda: | ||
| Average total assets | $5,225,337,500 | 215 |
| Average earning assets | $4,973,746,000 | 209 |
| Average equity | $336,224,750 | 318 |
| Average total loans | $2,321,117,500 | 299 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1792% | 5,157 |
| Cost of funding earning assets | 1.2611% | 844 |
| Net interest margin | 1.9180% | 5,247 |
| Noninterest income to average assets | 0.3553% | 3,556 |
| Noninterest expense to average assets | 1.3958% | 5,166 |
| Loan and lease loss provision to assets | 0.0240% | 3,328 |
| Net operating income to assets | 0.7490% | 3,834 |
| Return on assets (ROA) | 0.7523% | 3,883 |
| Pretax return on assets | 0.7651% | 4,184 |
| Return on Equity (ROE) | 11.8130% | 1,657 |
| Retained earnings to average equity (ytd only) | 10.3049% | 675 |
| Net charge-offs to loans | 0.0085% | 2,837 |
| Credit loss provision to net charge-offs | 637.7551% | 501 |
| Earnings coverage of net charge-offs (x) | 208.7347% | 380 |
| Efficiency ratio | 63.9802% | 3,133 |
| Assets per employee ($millions) | 11.9156% | 211 |
| Cash dividends to net income (ytd only)* | 12.7662% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,215 |
| Loan loss allowance to noncurrent loans | 1,002.7596% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 4,273 |
| Noncurrent loans to loans | 0.1254% | 4,113 |
| Net loans and leases to total assets | 44.0552% | 4,726 |
| Net loans and leases to deposits | 55.7241% | 4,603 |
| Net loans and leases to core deposits | 60.9076% | 4,542 |
| Total domestic deposits to total assets | 79.0596% | 4,206 |
| Equity capital to assets | 6.5706% | 5,285 |
| Core capital (leverage) ratio | 6.8375% | 5,269 |
| Tier 1 risk-based capital ratio | 12.6348% | 4,053 |
| Total risk-based capital ratio | 13.6745% | 4,053 |
| Memoranda: | ||
| Average total assets | $5,206,381,000 | 220 |
| Average earning assets | $4,957,271,330 | 211 |
| Average equity | $331,550,670 | 322 |
| Average total loans | $2,302,936,330 | 304 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1476% | 5,222 |
| Cost of funding earning assets | 1.2258% | 836 |
| Net interest margin | 1.9219% | 5,321 |
| Noninterest income to average assets | 0.3322% | 3,640 |
| Noninterest expense to average assets | 1.3907% | 5,225 |
| Loan and lease loss provision to assets | 0.0287% | 3,039 |
| Net operating income to assets | 0.7444% | 3,789 |
| Return on assets (ROA) | 0.7483% | 3,821 |
| Pretax return on assets | 0.7463% | 4,180 |
| Return on Equity (ROE) | 11.9386% | 1,553 |
| Retained earnings to average equity (ytd only) | 10.4098% | 945 |
| Net charge-offs to loans | 0.0122% | 2,258 |
| Credit loss provision to net charge-offs | 535.7143% | 587 |
| Earnings coverage of net charge-offs (x) | 143.7143% | 520 |
| Efficiency ratio | 64.3288% | 3,185 |
| Assets per employee ($millions) | 12.1028% | 204 |
| Cash dividends to net income (ytd only)* | 12.8061% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,331 |
| Loan loss allowance to noncurrent loans | 1,920.6391% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 4,463 |
| Noncurrent loans to loans | 0.0650% | 4,472 |
| Net loans and leases to total assets | 43.1432% | 4,780 |
| Net loans and leases to deposits | 51.2639% | 4,776 |
| Net loans and leases to core deposits | 58.6584% | 4,623 |
| Total domestic deposits to total assets | 84.1589% | 2,990 |
| Equity capital to assets | 6.2641% | 5,341 |
| Core capital (leverage) ratio | 6.6929% | 5,331 |
| Tier 1 risk-based capital ratio | 12.3498% | 4,267 |
| Total risk-based capital ratio | 13.3833% | 4,273 |
| Memoranda: | ||
| Average total assets | $5,217,938,000 | 223 |
| Average earning assets | $4,967,643,000 | 211 |
| Average equity | $327,039,000 | 327 |
| Average total loans | $2,298,119,000 | 307 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9529% | 5,247 |
| Cost of funding earning assets | 0.9261% | 1,006 |
| Net interest margin | 2.0268% | 5,333 |
| Noninterest income to average assets | 0.3222% | 3,945 |
| Noninterest expense to average assets | 1.4217% | 5,254 |
| Loan and lease loss provision to assets | 0.0277% | 3,622 |
| Net operating income to assets | 0.7620% | 3,933 |
| Return on assets (ROA) | 0.7684% | 3,922 |
| Pretax return on assets | 0.8076% | 4,151 |
| Return on Equity (ROE) | 12.4354% | 1,568 |
| Retained earnings to average equity (ytd only) | 10.8608% | 466 |
| Net charge-offs to loans | -0.0421% | 4,920 |
| Credit loss provision to net charge-offs | -143.9232% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1814% | 3,308 |
| Assets per employee ($millions) | 11.9142% | 202 |
| Cash dividends to net income (ytd only)* | 12.6623% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,306 |
| Loan loss allowance to noncurrent loans | 2,173.8766% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 4,487 |
| Noncurrent loans to loans | 0.0574% | 4,493 |
| Net loans and leases to total assets | 43.8519% | 4,823 |
| Net loans and leases to deposits | 51.2005% | 4,847 |
| Net loans and leases to core deposits | 58.1672% | 4,697 |
| Total domestic deposits to total assets | 85.6475% | 2,378 |
| Equity capital to assets | 6.2712% | 5,371 |
| Core capital (leverage) ratio | 6.6830% | 5,369 |
| Tier 1 risk-based capital ratio | 12.2069% | 4,291 |
| Total risk-based capital ratio | 13.2433% | 4,323 |
| Memoranda: | ||
| Average total assets | $4,881,946,200 | 227 |
| Average earning assets | $4,643,798,000 | 219 |
| Average equity | $301,663,200 | 342 |
| Average total loans | $2,226,324,000 | 312 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9007% | 5,326 |
| Cost of funding earning assets | 0.8631% | 1,059 |
| Net interest margin | 2.0376% | 5,404 |
| Noninterest income to average assets | 0.3211% | 4,001 |
| Noninterest expense to average assets | 1.4479% | 5,304 |
| Loan and lease loss provision to assets | 0.0249% | 3,520 |
| Net operating income to assets | 0.7452% | 4,093 |
| Return on assets (ROA) | 0.7539% | 4,075 |
| Pretax return on assets | 0.7957% | 4,304 |
| Return on Equity (ROE) | 12.2500% | 1,701 |
| Retained earnings to average equity (ytd only) | 10.6755% | 727 |
| Net charge-offs to loans | -0.0838% | 5,109 |
| Credit loss provision to net charge-offs | -64.7482% | 4,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0835% | 3,170 |
| Assets per employee ($millions) | 11.4195% | 221 |
| Cash dividends to net income (ytd only)* | 12.8530% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,299 |
| Loan loss allowance to noncurrent loans | 679.6429% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 4,539 |
| Noncurrent loans to loans | 0.1857% | 4,053 |
| Net loans and leases to total assets | 46.0057% | 4,802 |
| Net loans and leases to deposits | 56.3105% | 4,737 |
| Net loans and leases to core deposits | 62.8810% | 4,579 |
| Total domestic deposits to total assets | 81.7001% | 3,691 |
| Equity capital to assets | 6.3782% | 5,433 |
| Core capital (leverage) ratio | 6.8046% | 5,437 |
| Tier 1 risk-based capital ratio | 12.0766% | 4,458 |
| Total risk-based capital ratio | 13.1302% | 4,446 |
| Memoranda: | ||
| Average total assets | $4,815,696,750 | 227 |
| Average earning assets | $4,581,004,500 | 220 |
| Average equity | $296,385,250 | 343 |
| Average total loans | $2,211,510,500 | 312 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8404% | 5,395 |
| Cost of funding earning assets | 0.8091% | 1,089 |
| Net interest margin | 2.0312% | 5,469 |
| Noninterest income to average assets | 0.3166% | 4,060 |
| Noninterest expense to average assets | 1.4584% | 5,364 |
| Loan and lease loss provision to assets | 0.0375% | 3,159 |
| Net operating income to assets | 0.7125% | 4,161 |
| Return on assets (ROA) | 0.7204% | 4,144 |
| Pretax return on assets | 0.7610% | 4,364 |
| Return on Equity (ROE) | 11.8509% | 1,780 |
| Retained earnings to average equity (ytd only) | 10.3098% | 839 |
| Net charge-offs to loans | 0.0010% | 3,184 |
| Credit loss provision to net charge-offs | 8,181.8182% | 51 |
| Earnings coverage of net charge-offs (x) | 1,725.0000% | 42 |
| Efficiency ratio | 64.8611% | 3,182 |
| Assets per employee ($millions) | 11.5664% | 214 |
| Cash dividends to net income (ytd only)* | 13.0043% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,594 |
| Loan loss allowance to noncurrent loans | 1,864.2857% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 4,879 |
| Noncurrent loans to loans | 0.0655% | 4,629 |
| Net loans and leases to total assets | 44.9591% | 4,869 |
| Net loans and leases to deposits | 56.7546% | 4,712 |
| Net loans and leases to core deposits | 63.4361% | 4,523 |
| Total domestic deposits to total assets | 79.2167% | 4,391 |
| Equity capital to assets | 6.1567% | 5,503 |
| Core capital (leverage) ratio | 6.6287% | 5,500 |
| Tier 1 risk-based capital ratio | 11.8274% | 4,604 |
| Total risk-based capital ratio | 12.8354% | 4,628 |
| Memoranda: | ||
| Average total assets | $4,803,163,670 | 223 |
| Average earning assets | $4,568,336,330 | 219 |
| Average equity | $291,995,330 | 343 |
| Average total loans | $2,194,901,330 | 312 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7760% | 5,462 |
| Cost of funding earning assets | 0.7637% | 1,129 |
| Net interest margin | 2.0123% | 5,538 |
| Noninterest income to average assets | 0.3289% | 3,952 |
| Noninterest expense to average assets | 1.5067% | 5,388 |
| Loan and lease loss provision to assets | 0.0378% | 2,992 |
| Net operating income to assets | 0.6521% | 4,270 |
| Return on assets (ROA) | 0.6691% | 4,217 |
| Pretax return on assets | 0.7169% | 4,393 |
| Return on Equity (ROE) | 11.0782% | 1,940 |
| Retained earnings to average equity (ytd only) | 9.6880% | 1,258 |
| Net charge-offs to loans | 0.0018% | 2,667 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 877.2000% | 71 |
| Efficiency ratio | 67.1682% | 2,977 |
| Assets per employee ($millions) | 11.3597% | 223 |
| Cash dividends to net income (ytd only)* | 12.5486% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,684 |
| Loan loss allowance to noncurrent loans | 1,926.0462% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 4,963 |
| Noncurrent loans to loans | 0.0634% | 4,692 |
| Net loans and leases to total assets | 45.3904% | 4,823 |
| Net loans and leases to deposits | 54.8897% | 4,751 |
| Net loans and leases to core deposits | 62.4562% | 4,525 |
| Total domestic deposits to total assets | 82.6937% | 3,760 |
| Equity capital to assets | 6.1263% | 5,565 |
| Core capital (leverage) ratio | 6.5532% | 5,553 |
| Tier 1 risk-based capital ratio | 11.7417% | 4,714 |
| Total risk-based capital ratio | 12.7515% | 4,758 |
| Memoranda: | ||
| Average total assets | $4,764,227,000 | 224 |
| Average earning assets | $4,532,220,000 | 218 |
| Average equity | $287,737,500 | 346 |
| Average total loans | $2,181,545,500 | 309 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6133% | 5,524 |
| Cost of funding earning assets | 0.6147% | 1,509 |
| Net interest margin | 1.9986% | 5,574 |
| Noninterest income to average assets | 0.3570% | 3,912 |
| Noninterest expense to average assets | 1.4612% | 5,493 |
| Loan and lease loss provision to assets | 0.0391% | 3,490 |
| Net operating income to assets | 0.5055% | 4,360 |
| Return on assets (ROA) | 0.5062% | 4,392 |
| Pretax return on assets | 0.7554% | 4,372 |
| Return on Equity (ROE) | 8.3798% | 2,615 |
| Retained earnings to average equity (ytd only) | 7.4751% | 928 |
| Net charge-offs to loans | -0.0029% | 4,567 |
| Credit loss provision to net charge-offs | -3,033.8983% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8074% | 3,482 |
| Assets per employee ($millions) | 11.4633% | 216 |
| Cash dividends to net income (ytd only)* | 10.7963% | 3,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,734 |
| Loan loss allowance to noncurrent loans | 1,559.0855% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 4,962 |
| Noncurrent loans to loans | 0.0774% | 4,650 |
| Net loans and leases to total assets | 45.0788% | 4,932 |
| Net loans and leases to deposits | 54.8537% | 4,856 |
| Net loans and leases to core deposits | 63.1368% | 4,591 |
| Total domestic deposits to total assets | 82.1799% | 3,823 |
| Equity capital to assets | 5.9530% | 5,632 |
| Core capital (leverage) ratio | 6.5532% | 5,618 |
| Tier 1 risk-based capital ratio | 11.6861% | 4,732 |
| Total risk-based capital ratio | 12.6974% | 4,773 |
| Memoranda: | ||
| Average total assets | $4,574,586,200 | 220 |
| Average earning assets | $4,343,593,000 | 211 |
| Average equity | $276,331,000 | 346 |
| Average total loans | $2,057,363,400 | 308 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6066% | 5,591 |
| Cost of funding earning assets | 0.5966% | 1,548 |
| Net interest margin | 2.0100% | 5,641 |
| Noninterest income to average assets | 0.3542% | 4,002 |
| Noninterest expense to average assets | 1.5006% | 5,520 |
| Loan and lease loss provision to assets | 0.0395% | 3,319 |
| Net operating income to assets | 0.6746% | 4,103 |
| Return on assets (ROA) | 0.6746% | 4,162 |
| Pretax return on assets | 0.7227% | 4,553 |
| Return on Equity (ROE) | 11.1248% | 1,648 |
| Retained earnings to average equity (ytd only) | 10.3961% | 507 |
| Net charge-offs to loans | 0.0032% | 3,629 |
| Credit loss provision to net charge-offs | 2,791.6667% | 160 |
| Earnings coverage of net charge-offs (x) | 539.0281% | 189 |
| Efficiency ratio | 66.3152% | 3,160 |
| Assets per employee ($millions) | 10.9565% | 240 |
| Cash dividends to net income (ytd only)* | 6.5505% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 2,827 |
| Loan loss allowance to noncurrent loans | 1,608.1352% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,056 |
| Noncurrent loans to loans | 0.0756% | 4,774 |
| Net loans and leases to total assets | 45.8977% | 4,946 |
| Net loans and leases to deposits | 57.8600% | 4,768 |
| Net loans and leases to core deposits | 64.8657% | 4,560 |
| Total domestic deposits to total assets | 79.3255% | 4,477 |
| Equity capital to assets | 6.2998% | 5,695 |
| Core capital (leverage) ratio | 6.3337% | 5,686 |
| Tier 1 risk-based capital ratio | 11.4210% | 5,000 |
| Total risk-based capital ratio | 12.4395% | 5,038 |
| Memoranda: | ||
| Average total assets | $4,526,048,000 | 223 |
| Average earning assets | $4,297,584,000 | 214 |
| Average equity | $274,443,500 | 348 |
| Average total loans | $2,027,718,250 | 314 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5874% | 5,638 |
| Cost of funding earning assets | 0.5760% | 1,608 |
| Net interest margin | 2.0114% | 5,689 |
| Noninterest income to average assets | 0.3596% | 3,986 |
| Noninterest expense to average assets | 1.5403% | 5,536 |
| Loan and lease loss provision to assets | 0.0394% | 3,222 |
| Net operating income to assets | 0.6487% | 4,092 |
| Return on assets (ROA) | 0.6487% | 4,141 |
| Pretax return on assets | 0.6887% | 4,583 |
| Return on Equity (ROE) | 10.8393% | 1,701 |
| Retained earnings to average equity (ytd only) | 10.4696% | 510 |
| Net charge-offs to loans | 0.0007% | 3,501 |
| Credit loss provision to net charge-offs | 12,714.2857% | 23 |
| Earnings coverage of net charge-offs (x) | 2,350.1429% | 18 |
| Efficiency ratio | 67.9030% | 3,029 |
| Assets per employee ($millions) | 10.8313% | 240 |
| Cash dividends to net income (ytd only)* | 3.4113% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,736 |
| Loan loss allowance to noncurrent loans | 2,253.9216% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 5,170 |
| Noncurrent loans to loans | 0.0552% | 4,912 |
| Net loans and leases to total assets | 44.2566% | 5,029 |
| Net loans and leases to deposits | 56.2544% | 4,845 |
| Net loans and leases to core deposits | 63.2453% | 4,656 |
| Total domestic deposits to total assets | 78.6721% | 4,695 |
| Equity capital to assets | 6.1401% | 5,742 |
| Core capital (leverage) ratio | 6.0859% | 5,740 |
| Tier 1 risk-based capital ratio | 11.3298% | 5,070 |
| Total risk-based capital ratio | 12.3476% | 5,095 |
| Memoranda: | ||
| Average total assets | $4,519,079,000 | 226 |
| Average earning assets | $4,288,492,330 | 217 |
| Average equity | $270,441,330 | 351 |
| Average total loans | $1,999,408,670 | 315 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4884% | 5,722 |
| Cost of funding earning assets | 0.5531% | 1,694 |
| Net interest margin | 1.9353% | 5,763 |
| Noninterest income to average assets | 0.3445% | 4,088 |
| Noninterest expense to average assets | 1.5690% | 5,587 |
| Loan and lease loss provision to assets | 0.0355% | 3,079 |
| Net operating income to assets | 0.5575% | 4,342 |
| Return on assets (ROA) | 0.5575% | 4,387 |
| Pretax return on assets | 0.5789% | 4,775 |
| Return on Equity (ROE) | 9.4393% | 2,210 |
| Retained earnings to average equity (ytd only) | 8.6884% | 1,193 |
| Net charge-offs to loans | -0.0042% | 4,136 |
| Credit loss provision to net charge-offs | -1,904.7619% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8615% | 2,602 |
| Assets per employee ($millions) | 11.1381% | 212 |
| Cash dividends to net income (ytd only)* | 7.9554% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 3,033 |
| Loan loss allowance to noncurrent loans | 3,065.0617% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 5,276 |
| Noncurrent loans to loans | 0.0397% | 5,037 |
| Net loans and leases to total assets | 44.1390% | 5,031 |
| Net loans and leases to deposits | 53.8146% | 4,944 |
| Net loans and leases to core deposits | 59.2673% | 4,816 |
| Total domestic deposits to total assets | 82.0206% | 4,162 |
| Equity capital to assets | 5.9036% | 5,812 |
| Core capital (leverage) ratio | 5.8869% | 5,809 |
| Tier 1 risk-based capital ratio | 10.8532% | 5,384 |
| Total risk-based capital ratio | 11.8376% | 5,423 |
| Memoranda: | ||
| Average total assets | $4,509,453,000 | 226 |
| Average earning assets | $4,284,689,000 | 215 |
| Average equity | $266,333,000 | 355 |
| Average total loans | $1,982,213,500 | 319 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4451% | 5,774 |
| Cost of funding earning assets | 0.5478% | 1,710 |
| Net interest margin | 1.8973% | 5,822 |
| Noninterest income to average assets | 0.3848% | 4,001 |
| Noninterest expense to average assets | 1.5446% | 5,691 |
| Loan and lease loss provision to assets | 0.0329% | 3,697 |
| Net operating income to assets | 0.6031% | 4,196 |
| Return on assets (ROA) | 0.6046% | 4,301 |
| Pretax return on assets | 0.6051% | 4,775 |
| Return on Equity (ROE) | 10.1180% | 1,907 |
| Retained earnings to average equity (ytd only) | 9.3174% | 523 |
| Net charge-offs to loans | -0.0025% | 4,726 |
| Credit loss provision to net charge-offs | -3,055.5556% | 5,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8191% | 2,776 |
| Assets per employee ($millions) | 10.9933% | 226 |
| Cash dividends to net income (ytd only)* | 7.9123% | 4,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,713 |
| Loan loss allowance to noncurrent loans | 2,251.4760% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 5,290 |
| Noncurrent loans to loans | 0.0563% | 5,025 |
| Net loans and leases to total assets | 42.6642% | 5,198 |
| Net loans and leases to deposits | 51.9566% | 5,129 |
| Net loans and leases to core deposits | 57.7325% | 4,982 |
| Total domestic deposits to total assets | 82.1150% | 4,044 |
| Equity capital to assets | 5.9087% | 5,858 |
| Core capital (leverage) ratio | 6.0232% | 5,857 |
| Tier 1 risk-based capital ratio | 11.2512% | 5,189 |
| Total risk-based capital ratio | 12.2730% | 5,223 |
| Memoranda: | ||
| Average total assets | $4,180,594,000 | 229 |
| Average earning assets | $3,958,216,000 | 218 |
| Average equity | $249,821,600 | 362 |
| Average total loans | $1,824,301,000 | 327 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4698% | 5,831 |
| Cost of funding earning assets | 0.5487% | 1,709 |
| Net interest margin | 1.9212% | 5,882 |
| Noninterest income to average assets | 0.4027% | 3,904 |
| Noninterest expense to average assets | 1.5718% | 5,710 |
| Loan and lease loss provision to assets | 0.0381% | 3,479 |
| Net operating income to assets | 0.6001% | 4,291 |
| Return on assets (ROA) | 0.6021% | 4,400 |
| Pretax return on assets | 0.6121% | 4,841 |
| Return on Equity (ROE) | 10.0451% | 2,032 |
| Retained earnings to average equity (ytd only) | 9.2338% | 749 |
| Net charge-offs to loans | -0.0035% | 4,554 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8048% | 2,773 |
| Assets per employee ($millions) | 10.3566% | 268 |
| Cash dividends to net income (ytd only)* | 8.0767% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 2,604 |
| Loan loss allowance to noncurrent loans | 2,526.9311% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 5,423 |
| Noncurrent loans to loans | 0.0520% | 5,151 |
| Net loans and leases to total assets | 42.3749% | 5,276 |
| Net loans and leases to deposits | 52.4534% | 5,184 |
| Net loans and leases to core deposits | 57.4871% | 5,077 |
| Total domestic deposits to total assets | 80.7859% | 4,300 |
| Equity capital to assets | 5.9836% | 5,933 |
| Core capital (leverage) ratio | 6.1944% | 5,922 |
| Tier 1 risk-based capital ratio | 11.7690% | 4,938 |
| Total risk-based capital ratio | 12.8135% | 4,963 |
| Memoranda: | ||
| Average total assets | $4,112,674,250 | 229 |
| Average earning assets | $3,890,334,000 | 222 |
| Average equity | $246,509,500 | 365 |
| Average total loans | $1,799,393,000 | 329 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4566% | 5,912 |
| Cost of funding earning assets | 0.5458% | 1,725 |
| Net interest margin | 1.9108% | 5,967 |
| Noninterest income to average assets | 0.4062% | 3,830 |
| Noninterest expense to average assets | 1.5741% | 5,779 |
| Loan and lease loss provision to assets | 0.0395% | 3,365 |
| Net operating income to assets | 0.5847% | 4,333 |
| Return on assets (ROA) | 0.5869% | 4,451 |
| Pretax return on assets | 0.5999% | 4,885 |
| Return on Equity (ROE) | 9.7861% | 2,143 |
| Retained earnings to average equity (ytd only) | 8.9636% | 860 |
| Net charge-offs to loans | -0.0081% | 4,639 |
| Credit loss provision to net charge-offs | -1,111.1111% | 5,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1841% | 2,793 |
| Assets per employee ($millions) | 10.2448% | 260 |
| Cash dividends to net income (ytd only)* | 8.4048% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 2,703 |
| Loan loss allowance to noncurrent loans | 1,605.8546% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 5,440 |
| Noncurrent loans to loans | 0.0819% | 5,123 |
| Net loans and leases to total assets | 42.8350% | 5,296 |
| Net loans and leases to deposits | 55.5682% | 5,044 |
| Net loans and leases to core deposits | 60.7654% | 4,948 |
| Total domestic deposits to total assets | 77.0855% | 5,153 |
| Equity capital to assets | 5.9744% | 6,013 |
| Core capital (leverage) ratio | 6.3469% | 5,984 |
| Tier 1 risk-based capital ratio | 11.6205% | 5,079 |
| Total risk-based capital ratio | 12.6607% | 5,102 |
| Memoranda: | ||
| Average total assets | $4,054,353,330 | 233 |
| Average earning assets | $3,829,996,000 | 225 |
| Average equity | $243,161,330 | 371 |
| Average total loans | $1,785,493,330 | 331 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4705% | 5,976 |
| Cost of funding earning assets | 0.5512% | 1,698 |
| Net interest margin | 1.9193% | 6,029 |
| Noninterest income to average assets | 0.3649% | 4,112 |
| Noninterest expense to average assets | 1.5700% | 5,851 |
| Loan and lease loss provision to assets | 0.0451% | 3,023 |
| Net operating income to assets | 0.5478% | 4,434 |
| Return on assets (ROA) | 0.5478% | 4,538 |
| Pretax return on assets | 0.5624% | 4,916 |
| Return on Equity (ROE) | 9.1145% | 2,364 |
| Retained earnings to average equity (ytd only) | 8.2808% | 1,345 |
| Net charge-offs to loans | -0.0043% | 4,245 |
| Credit loss provision to net charge-offs | -2,368.4211% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1018% | 2,786 |
| Assets per employee ($millions) | 9.8889% | 293 |
| Cash dividends to net income (ytd only)* | 9.1475% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,889 |
| Loan loss allowance to noncurrent loans | 1,580.1342% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 5,483 |
| Noncurrent loans to loans | 0.0823% | 5,149 |
| Net loans and leases to total assets | 44.1850% | 5,234 |
| Net loans and leases to deposits | 56.3839% | 4,960 |
| Net loans and leases to core deposits | 61.4553% | 4,846 |
| Total domestic deposits to total assets | 78.3646% | 5,078 |
| Equity capital to assets | 6.0114% | 6,070 |
| Core capital (leverage) ratio | 6.4252% | 6,036 |
| Tier 1 risk-based capital ratio | 10.7943% | 5,607 |
| Total risk-based capital ratio | 11.7694% | 5,653 |
| Memoranda: | ||
| Average total assets | $3,991,601,000 | 234 |
| Average earning assets | $3,769,724,500 | 228 |
| Average equity | $239,881,500 | 373 |
| Average total loans | $1,771,087,000 | 328 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5025% | 5,998 |
| Cost of funding earning assets | 0.5371% | 1,869 |
| Net interest margin | 1.9654% | 6,054 |
| Noninterest income to average assets | 0.4034% | 4,009 |
| Noninterest expense to average assets | 1.6274% | 5,896 |
| Loan and lease loss provision to assets | 0.0052% | 4,286 |
| Net operating income to assets | 0.6053% | 4,245 |
| Return on assets (ROA) | 0.6203% | 4,274 |
| Pretax return on assets | 0.6429% | 4,692 |
| Return on Equity (ROE) | 10.4862% | 1,808 |
| Retained earnings to average equity (ytd only) | 9.8214% | 487 |
| Net charge-offs to loans | -0.0367% | 5,469 |
| Credit loss provision to net charge-offs | -35.9066% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0112% | 2,911 |
| Assets per employee ($millions) | 9.7011% | 296 |
| Cash dividends to net income (ytd only)* | 6.3398% | 4,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 2,743 |
| Loan loss allowance to noncurrent loans | 987.7997% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 5,421 |
| Noncurrent loans to loans | 0.1349% | 4,949 |
| Net loans and leases to total assets | 43.3770% | 5,318 |
| Net loans and leases to deposits | 55.4643% | 5,079 |
| Net loans and leases to core deposits | 62.7131% | 4,824 |
| Total domestic deposits to total assets | 78.2071% | 5,122 |
| Equity capital to assets | 6.0079% | 6,119 |
| Core capital (leverage) ratio | 6.4835% | 6,096 |
| Tier 1 risk-based capital ratio | 11.0367% | 5,506 |
| Total risk-based capital ratio | 12.0329% | 5,550 |
| Memoranda: | ||
| Average total assets | $3,814,450,400 | 232 |
| Average earning assets | $3,603,382,400 | 223 |
| Average equity | $225,629,800 | 377 |
| Average total loans | $1,517,951,200 | 347 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5247% | 6,079 |
| Cost of funding earning assets | 0.5330% | 1,945 |
| Net interest margin | 1.9917% | 6,139 |
| Noninterest income to average assets | 0.4007% | 4,083 |
| Noninterest expense to average assets | 1.6330% | 5,961 |
| Loan and lease loss provision to assets | 0.0070% | 4,116 |
| Net operating income to assets | 0.6116% | 4,325 |
| Return on assets (ROA) | 0.6172% | 4,404 |
| Pretax return on assets | 0.6478% | 4,833 |
| Return on Equity (ROE) | 10.4777% | 1,907 |
| Retained earnings to average equity (ytd only) | 9.8795% | 652 |
| Net charge-offs to loans | 0.0171% | 3,612 |
| Credit loss provision to net charge-offs | 106.3830% | 2,163 |
| Earnings coverage of net charge-offs (x) | 97.9363% | 640 |
| Efficiency ratio | 71.5640% | 2,951 |
| Assets per employee ($millions) | 9.6663% | 304 |
| Cash dividends to net income (ytd only)* | 5.7094% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,784 |
| Loan loss allowance to noncurrent loans | 1,268.7500% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,589 |
| Noncurrent loans to loans | 0.1073% | 5,204 |
| Net loans and leases to total assets | 42.0695% | 5,486 |
| Net loans and leases to deposits | 55.5303% | 5,152 |
| Net loans and leases to core deposits | 59.7156% | 5,085 |
| Total domestic deposits to total assets | 75.7596% | 5,532 |
| Equity capital to assets | 6.0562% | 6,199 |
| Core capital (leverage) ratio | 6.3891% | 6,179 |
| Tier 1 risk-based capital ratio | 11.2043% | 5,547 |
| Total risk-based capital ratio | 12.2048% | 5,590 |
| Memoranda: | ||
| Average total assets | $3,783,405,000 | 237 |
| Average earning assets | $3,573,461,250 | 229 |
| Average equity | $222,880,000 | 387 |
| Average total loans | $1,464,555,000 | 361 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4710% | 6,173 |
| Cost of funding earning assets | 0.5263% | 2,014 |
| Net interest margin | 1.9447% | 6,218 |
| Noninterest income to average assets | 0.4020% | 4,071 |
| Noninterest expense to average assets | 1.6071% | 6,045 |
| Loan and lease loss provision to assets | 0.0106% | 3,894 |
| Net operating income to assets | 0.5888% | 4,400 |
| Return on assets (ROA) | 0.5948% | 4,462 |
| Pretax return on assets | 0.6269% | 4,901 |
| Return on Equity (ROE) | 10.1937% | 1,982 |
| Retained earnings to average equity (ytd only) | 9.7381% | 721 |
| Net charge-offs to loans | 0.0388% | 2,903 |
| Credit loss provision to net charge-offs | 73.2601% | 2,418 |
| Earnings coverage of net charge-offs (x) | 43.4945% | 1,064 |
| Efficiency ratio | 71.7984% | 3,025 |
| Assets per employee ($millions) | 9.6660% | 293 |
| Cash dividends to net income (ytd only)* | 4.4691% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 2,569 |
| Loan loss allowance to noncurrent loans | 1,017.6121% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 5,447 |
| Noncurrent loans to loans | 0.1415% | 5,184 |
| Net loans and leases to total assets | 38.9865% | 5,687 |
| Net loans and leases to deposits | 53.2809% | 5,298 |
| Net loans and leases to core deposits | 56.8673% | 5,263 |
| Total domestic deposits to total assets | 73.1717% | 5,854 |
| Equity capital to assets | 5.7879% | 6,277 |
| Core capital (leverage) ratio | 6.2573% | 6,262 |
| Tier 1 risk-based capital ratio | 11.2637% | 5,592 |
| Total risk-based capital ratio | 12.2897% | 5,613 |
| Memoranda: | ||
| Average total assets | $3,762,139,670 | 240 |
| Average earning assets | $3,552,503,670 | 232 |
| Average equity | $219,509,000 | 392 |
| Average total loans | $1,405,796,670 | 369 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4271% | 6,252 |
| Cost of funding earning assets | 0.5247% | 2,055 |
| Net interest margin | 1.9024% | 6,299 |
| Noninterest income to average assets | 0.3791% | 4,167 |
| Noninterest expense to average assets | 1.5743% | 6,132 |
| Loan and lease loss provision to assets | 0.0217% | 3,431 |
| Net operating income to assets | 0.5524% | 4,471 |
| Return on assets (ROA) | 0.5524% | 4,580 |
| Pretax return on assets | 0.5833% | 4,962 |
| Return on Equity (ROE) | 9.4278% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.4278% | 1,062 |
| Net charge-offs to loans | -0.0033% | 4,412 |
| Credit loss provision to net charge-offs | -1,818.1818% | 5,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2399% | 3,130 |
| Assets per employee ($millions) | 9.3891% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 1,790 |
| Loan loss allowance to noncurrent loans | 524.6623% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 5,492 |
| Noncurrent loans to loans | 0.3201% | 4,644 |
| Net loans and leases to total assets | 35.0278% | 5,875 |
| Net loans and leases to deposits | 45.1357% | 5,700 |
| Net loans and leases to core deposits | 48.2273% | 5,661 |
| Total domestic deposits to total assets | 77.6057% | 5,514 |
| Equity capital to assets | 5.8236% | 6,342 |
| Core capital (leverage) ratio | 6.2602% | 6,317 |
| Tier 1 risk-based capital ratio | 12.2426% | 5,080 |
| Total risk-based capital ratio | 13.4030% | 5,053 |
| Memoranda: | ||
| Average total assets | $3,690,677,500 | 242 |
| Average earning assets | $3,492,387,000 | 234 |
| Average equity | $216,253,000 | 397 |
| Average total loans | $1,336,348,000 | 380 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5605% | 6,310 |
| Cost of funding earning assets | 0.5043% | 2,625 |
| Net interest margin | 2.0562% | 6,352 |
| Noninterest income to average assets | 0.4171% | 4,061 |
| Noninterest expense to average assets | 1.6009% | 6,235 |
| Loan and lease loss provision to assets | 0.0580% | 3,380 |
| Net operating income to assets | 0.6521% | 4,127 |
| Return on assets (ROA) | 0.6640% | 4,166 |
| Pretax return on assets | 0.7120% | 4,576 |
| Return on Equity (ROE) | 11.3895% | 1,595 |
| Retained earnings to average equity (ytd only) | 11.3895% | 343 |
| Net charge-offs to loans | 0.0516% | 3,800 |
| Credit loss provision to net charge-offs | 304.6062% | 853 |
| Earnings coverage of net charge-offs (x) | 39.7712% | 1,094 |
| Efficiency ratio | 67.8884% | 3,914 |
| Assets per employee ($millions) | 9.0635% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6763% | 1,836 |
| Loan loss allowance to noncurrent loans | 538.3020% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 5,572 |
| Noncurrent loans to loans | 0.3114% | 4,726 |
| Net loans and leases to total assets | 36.1981% | 5,943 |
| Net loans and leases to deposits | 47.6838% | 5,701 |
| Net loans and leases to core deposits | 51.8811% | 5,622 |
| Total domestic deposits to total assets | 75.9127% | 5,744 |
| Equity capital to assets | 5.8967% | 6,417 |
| Core capital (leverage) ratio | 6.5230% | 6,364 |
| Tier 1 risk-based capital ratio | 13.1272% | 4,640 |
| Total risk-based capital ratio | 14.3773% | 4,563 |
| Memoranda: | ||
| Average total assets | $3,534,701,000 | 237 |
| Average earning assets | $3,336,837,800 | 226 |
| Average equity | $206,067,600 | 392 |
| Average total loans | $1,305,465,400 | 364 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5895% | 6,380 |
| Cost of funding earning assets | 0.5035% | 2,722 |
| Net interest margin | 2.0860% | 6,423 |
| Noninterest income to average assets | 0.4074% | 4,188 |
| Noninterest expense to average assets | 1.5960% | 6,289 |
| Loan and lease loss provision to assets | 0.0626% | 3,101 |
| Net operating income to assets | 0.6632% | 4,139 |
| Return on assets (ROA) | 0.6632% | 4,243 |
| Pretax return on assets | 0.7158% | 4,653 |
| Return on Equity (ROE) | 11.4099% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.4099% | 467 |
| Net charge-offs to loans | 0.0125% | 4,309 |
| Credit loss provision to net charge-offs | 1,352.4590% | 255 |
| Earnings coverage of net charge-offs (x) | 168.1666% | 371 |
| Efficiency ratio | 67.2185% | 4,003 |
| Assets per employee ($millions) | 9.2047% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 2,096 |
| Loan loss allowance to noncurrent loans | 373.3632% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 5,523 |
| Noncurrent loans to loans | 0.4448% | 4,568 |
| Net loans and leases to total assets | 37.0612% | 5,988 |
| Net loans and leases to deposits | 47.5295% | 5,794 |
| Net loans and leases to core deposits | 50.7502% | 5,753 |
| Total domestic deposits to total assets | 77.9753% | 5,541 |
| Equity capital to assets | 6.0021% | 6,478 |
| Core capital (leverage) ratio | 6.2910% | 6,455 |
| Tier 1 risk-based capital ratio | 12.8546% | 4,949 |
| Total risk-based capital ratio | 14.1049% | 4,870 |
| Memoranda: | ||
| Average total assets | $3,514,290,000 | 232 |
| Average earning assets | $3,313,959,250 | 225 |
| Average equity | $204,273,250 | 392 |
| Average total loans | $1,298,990,250 | 365 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6001% | 6,440 |
| Cost of funding earning assets | 0.5007% | 2,828 |
| Net interest margin | 2.0993% | 6,493 |
| Noninterest income to average assets | 0.4023% | 4,223 |
| Noninterest expense to average assets | 1.6129% | 6,345 |
| Loan and lease loss provision to assets | 0.0602% | 3,068 |
| Net operating income to assets | 0.6516% | 4,087 |
| Return on assets (ROA) | 0.6516% | 4,189 |
| Pretax return on assets | 0.7064% | 4,618 |
| Return on Equity (ROE) | 11.3373% | 1,620 |
| Retained earnings to average equity (ytd only) | 11.3373% | 493 |
| Net charge-offs to loans | 0.0420% | 3,390 |
| Credit loss provision to net charge-offs | 390.3346% | 706 |
| Earnings coverage of net charge-offs (x) | 49.7138% | 915 |
| Efficiency ratio | 67.7844% | 4,044 |
| Assets per employee ($millions) | 9.2691% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 2,282 |
| Loan loss allowance to noncurrent loans | 627.9850% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 5,855 |
| Noncurrent loans to loans | 0.2632% | 5,233 |
| Net loans and leases to total assets | 36.4079% | 6,033 |
| Net loans and leases to deposits | 45.1973% | 5,925 |
| Net loans and leases to core deposits | 48.5012% | 5,878 |
| Total domestic deposits to total assets | 80.5533% | 5,111 |
| Equity capital to assets | 5.8450% | 6,543 |
| Core capital (leverage) ratio | 6.0507% | 6,532 |
| Tier 1 risk-based capital ratio | 12.7937% | 5,041 |
| Total risk-based capital ratio | 14.0438% | 4,982 |
| Memoranda: | ||
| Average total assets | $3,489,103,330 | 232 |
| Average earning assets | $3,285,970,670 | 226 |
| Average equity | $200,542,330 | 400 |
| Average total loans | $1,281,016,330 | 364 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5956% | 6,521 |
| Cost of funding earning assets | 0.4939% | 2,970 |
| Net interest margin | 2.1017% | 6,559 |
| Noninterest income to average assets | 0.3976% | 4,207 |
| Noninterest expense to average assets | 1.6335% | 6,406 |
| Loan and lease loss provision to assets | 0.0694% | 2,749 |
| Net operating income to assets | 0.6171% | 4,112 |
| Return on assets (ROA) | 0.6171% | 4,192 |
| Pretax return on assets | 0.6751% | 4,575 |
| Return on Equity (ROE) | 10.8311% | 1,742 |
| Retained earnings to average equity (ytd only) | 10.8311% | 775 |
| Net charge-offs to loans | 0.0892% | 2,274 |
| Credit loss provision to net charge-offs | 212.7660% | 991 |
| Earnings coverage of net charge-offs (x) | 22.8262% | 1,238 |
| Efficiency ratio | 68.6932% | 4,065 |
| Assets per employee ($millions) | 9.0251% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 2,412 |
| Loan loss allowance to noncurrent loans | 1,362.7564% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 6,151 |
| Noncurrent loans to loans | 0.1234% | 5,738 |
| Net loans and leases to total assets | 35.5826% | 6,090 |
| Net loans and leases to deposits | 44.7919% | 5,929 |
| Net loans and leases to core deposits | 47.8553% | 5,883 |
| Total domestic deposits to total assets | 79.4398% | 5,606 |
| Equity capital to assets | 5.7360% | 6,589 |
| Core capital (leverage) ratio | 6.1037% | 6,572 |
| Tier 1 risk-based capital ratio | 12.8941% | 5,065 |
| Total risk-based capital ratio | 14.1445% | 5,007 |
| Memoranda: | ||
| Average total assets | $3,458,625,500 | 234 |
| Average earning assets | $3,258,887,500 | 225 |
| Average equity | $197,063,000 | 402 |
| Average total loans | $1,264,412,000 | 367 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5899% | 6,592 |
| Cost of funding earning assets | 0.5332% | 3,262 |
| Net interest margin | 2.0568% | 6,639 |
| Noninterest income to average assets | 0.4748% | 3,926 |
| Noninterest expense to average assets | 1.7065% | 6,433 |
| Loan and lease loss provision to assets | 0.0831% | 3,455 |
| Net operating income to assets | 0.5806% | 4,355 |
| Return on assets (ROA) | 0.6658% | 4,053 |
| Pretax return on assets | 0.7229% | 4,451 |
| Return on Equity (ROE) | 11.4578% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.4578% | 375 |
| Net charge-offs to loans | 0.0817% | 4,071 |
| Credit loss provision to net charge-offs | 280.5383% | 807 |
| Earnings coverage of net charge-offs (x) | 24.0694% | 1,381 |
| Efficiency ratio | 70.5198% | 3,749 |
| Assets per employee ($millions) | 8.8718% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 2,547 |
| Loan loss allowance to noncurrent loans | 821.8603% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 6,128 |
| Noncurrent loans to loans | 0.2015% | 5,585 |
| Net loans and leases to total assets | 36.3210% | 6,185 |
| Net loans and leases to deposits | 45.5932% | 6,039 |
| Net loans and leases to core deposits | 49.1645% | 5,977 |
| Total domestic deposits to total assets | 79.6630% | 5,517 |
| Equity capital to assets | 5.6587% | 6,646 |
| Core capital (leverage) ratio | 6.0046% | 6,649 |
| Tier 1 risk-based capital ratio | 12.6601% | 5,197 |
| Total risk-based capital ratio | 13.9104% | 5,147 |
| Memoranda: | ||
| Average total assets | $3,259,190,000 | 235 |
| Average earning assets | $3,082,264,800 | 223 |
| Average equity | $189,399,000 | 403 |
| Average total loans | $1,181,820,000 | 377 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5784% | 6,669 |
| Cost of funding earning assets | 0.5337% | 3,433 |
| Net interest margin | 2.0448% | 6,717 |
| Noninterest income to average assets | 0.4834% | 3,913 |
| Noninterest expense to average assets | 1.6979% | 6,473 |
| Loan and lease loss provision to assets | 0.0932% | 3,211 |
| Net operating income to assets | 0.5732% | 4,456 |
| Return on assets (ROA) | 0.6736% | 4,138 |
| Pretax return on assets | 0.7370% | 4,549 |
| Return on Equity (ROE) | 11.5117% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.5117% | 500 |
| Net charge-offs to loans | 0.0226% | 4,677 |
| Credit loss provision to net charge-offs | 1,142.1320% | 271 |
| Earnings coverage of net charge-offs (x) | 88.1828% | 547 |
| Efficiency ratio | 70.2274% | 3,719 |
| Assets per employee ($millions) | 8.7566% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 2,535 |
| Loan loss allowance to noncurrent loans | 567.4232% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 6,099 |
| Noncurrent loans to loans | 0.3042% | 5,468 |
| Net loans and leases to total assets | 36.0726% | 6,278 |
| Net loans and leases to deposits | 44.7963% | 6,168 |
| Net loans and leases to core deposits | 47.5810% | 6,144 |
| Total domestic deposits to total assets | 80.5260% | 5,354 |
| Equity capital to assets | 5.4465% | 6,741 |
| Core capital (leverage) ratio | 6.0021% | 6,718 |
| Tier 1 risk-based capital ratio | 12.6920% | 5,332 |
| Total risk-based capital ratio | 13.9421% | 5,275 |
| Memoranda: | ||
| Average total assets | $3,217,855,000 | 236 |
| Average earning assets | $3,044,008,500 | 221 |
| Average equity | $188,303,000 | 403 |
| Average total loans | $1,161,084,250 | 382 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5477% | 6,718 |
| Cost of funding earning assets | 0.5339% | 3,560 |
| Net interest margin | 2.0138% | 6,759 |
| Noninterest income to average assets | 0.4999% | 3,837 |
| Noninterest expense to average assets | 1.7046% | 6,492 |
| Loan and lease loss provision to assets | 0.0946% | 3,213 |
| Net operating income to assets | 0.5552% | 4,528 |
| Return on assets (ROA) | 0.6506% | 4,219 |
| Pretax return on assets | 0.7140% | 4,640 |
| Return on Equity (ROE) | 10.8538% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.8538% | 670 |
| Net charge-offs to loans | 0.0346% | 4,201 |
| Credit loss provision to net charge-offs | 761.4213% | 396 |
| Earnings coverage of net charge-offs (x) | 56.6599% | 733 |
| Efficiency ratio | 70.7809% | 3,680 |
| Assets per employee ($millions) | 8.6519% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 2,560 |
| Loan loss allowance to noncurrent loans | 628.8344% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 6,198 |
| Noncurrent loans to loans | 0.2801% | 5,603 |
| Net loans and leases to total assets | 34.8646% | 6,368 |
| Net loans and leases to deposits | 43.0577% | 6,280 |
| Net loans and leases to core deposits | 47.9683% | 6,131 |
| Total domestic deposits to total assets | 80.9719% | 5,346 |
| Equity capital to assets | 5.5386% | 6,789 |
| Core capital (leverage) ratio | 6.1499% | 6,740 |
| Tier 1 risk-based capital ratio | 12.8007% | 5,288 |
| Total risk-based capital ratio | 14.0507% | 5,222 |
| Memoranda: | ||
| Average total assets | $3,172,545,670 | 238 |
| Average earning assets | $3,006,498,330 | 223 |
| Average equity | $190,182,330 | 403 |
| Average total loans | $1,137,763,000 | 388 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5904% | 6,784 |
| Cost of funding earning assets | 0.5409% | 3,665 |
| Net interest margin | 2.0495% | 6,828 |
| Noninterest income to average assets | 0.4514% | 4,115 |
| Noninterest expense to average assets | 1.7222% | 6,536 |
| Loan and lease loss provision to assets | 0.0962% | 3,072 |
| Net operating income to assets | 0.5226% | 4,560 |
| Return on assets (ROA) | 0.6257% | 4,252 |
| Pretax return on assets | 0.6891% | 4,625 |
| Return on Equity (ROE) | 10.0356% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.0356% | 1,096 |
| Net charge-offs to loans | 0.0669% | 3,159 |
| Credit loss provision to net charge-offs | 398.9362% | 641 |
| Earnings coverage of net charge-offs (x) | 27.8777% | 1,004 |
| Efficiency ratio | 71.9297% | 3,628 |
| Assets per employee ($millions) | 8.3040% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 2,850 |
| Loan loss allowance to noncurrent loans | 476.8098% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 6,178 |
| Noncurrent loans to loans | 0.3642% | 5,490 |
| Net loans and leases to total assets | 35.4305% | 6,340 |
| Net loans and leases to deposits | 43.9986% | 6,207 |
| Net loans and leases to core deposits | 48.2805% | 6,082 |
| Total domestic deposits to total assets | 80.5263% | 5,619 |
| Equity capital to assets | 6.1935% | 6,814 |
| Core capital (leverage) ratio | 6.1773% | 6,781 |
| Tier 1 risk-based capital ratio | 12.9856% | 5,230 |
| Total risk-based capital ratio | 14.2356% | 5,179 |
| Memoranda: | ||
| Average total assets | $3,119,289,000 | 244 |
| Average earning assets | $2,957,055,000 | 228 |
| Average equity | $194,467,000 | 395 |
| Average total loans | $1,124,778,500 | 396 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9464% | 6,799 |
| Cost of funding earning assets | 0.6205% | 4,170 |
| Net interest margin | 2.3259% | 6,824 |
| Noninterest income to average assets | 0.4752% | 4,062 |
| Noninterest expense to average assets | 1.8126% | 6,607 |
| Loan and lease loss provision to assets | 0.1418% | 3,831 |
| Net operating income to assets | 0.6500% | 3,985 |
| Return on assets (ROA) | 0.7067% | 3,962 |
| Pretax return on assets | 0.7832% | 4,357 |
| Return on Equity (ROE) | 11.3123% | 1,707 |
| Retained earnings to average equity (ytd only) | 11.3123% | 406 |
| Net charge-offs to loans | 0.1475% | 4,216 |
| Credit loss provision to net charge-offs | 271.7747% | 889 |
| Earnings coverage of net charge-offs (x) | 16.5226% | 1,574 |
| Efficiency ratio | 67.6171% | 4,216 |
| Assets per employee ($millions) | 8.2215% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7267% | 2,828 |
| Loan loss allowance to noncurrent loans | 429.3670% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 6,205 |
| Noncurrent loans to loans | 0.4021% | 5,483 |
| Net loans and leases to total assets | 35.4384% | 6,469 |
| Net loans and leases to deposits | 44.3312% | 6,349 |
| Net loans and leases to core deposits | 48.2947% | 6,251 |
| Total domestic deposits to total assets | 79.9400% | 5,685 |
| Equity capital to assets | 6.2762% | 6,870 |
| Core capital (leverage) ratio | 6.1111% | 6,846 |
| Tier 1 risk-based capital ratio | 12.9004% | 5,184 |
| Total risk-based capital ratio | 14.1504% | 5,119 |
| Memoranda: | ||
| Average total assets | $2,926,910,200 | 252 |
| Average earning assets | $2,767,628,000 | 241 |
| Average equity | $182,845,200 | 407 |
| Average total loans | $1,035,601,600 | 412 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0182% | 6,896 |
| Cost of funding earning assets | 0.6337% | 4,326 |
| Net interest margin | 2.3845% | 6,902 |
| Noninterest income to average assets | 0.4852% | 4,025 |
| Noninterest expense to average assets | 1.8379% | 6,634 |
| Loan and lease loss provision to assets | 0.1500% | 3,663 |
| Net operating income to assets | 0.6696% | 4,046 |
| Return on assets (ROA) | 0.7156% | 4,091 |
| Pretax return on assets | 0.8029% | 4,472 |
| Return on Equity (ROE) | 11.4689% | 1,801 |
| Retained earnings to average equity (ytd only) | 11.4689% | 619 |
| Net charge-offs to loans | 0.1529% | 3,893 |
| Credit loss provision to net charge-offs | 278.7307% | 975 |
| Earnings coverage of net charge-offs (x) | 16.7418% | 1,667 |
| Efficiency ratio | 66.8948% | 4,269 |
| Assets per employee ($millions) | 7.9832% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 2,960 |
| Loan loss allowance to noncurrent loans | 341.8468% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 6,218 |
| Noncurrent loans to loans | 0.5125% | 5,415 |
| Net loans and leases to total assets | 35.3258% | 6,594 |
| Net loans and leases to deposits | 44.2833% | 6,485 |
| Net loans and leases to core deposits | 48.3055% | 6,396 |
| Total domestic deposits to total assets | 79.7724% | 5,714 |
| Equity capital to assets | 6.4436% | 6,950 |
| Core capital (leverage) ratio | 6.2145% | 6,928 |
| Tier 1 risk-based capital ratio | 12.9227% | 5,318 |
| Total risk-based capital ratio | 14.1727% | 5,278 |
| Memoranda: | ||
| Average total assets | $2,887,869,250 | 253 |
| Average earning assets | $2,729,809,250 | 244 |
| Average equity | $180,181,750 | 416 |
| Average total loans | $1,016,555,000 | 417 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9370% | 6,998 |
| Cost of funding earning assets | 0.6439% | 4,494 |
| Net interest margin | 2.2931% | 7,011 |
| Noninterest income to average assets | 0.4864% | 4,014 |
| Noninterest expense to average assets | 1.8270% | 6,721 |
| Loan and lease loss provision to assets | 0.1397% | 3,769 |
| Net operating income to assets | 0.6197% | 4,279 |
| Return on assets (ROA) | 0.6568% | 4,339 |
| Pretax return on assets | 0.7262% | 4,750 |
| Return on Equity (ROE) | 10.6473% | 2,112 |
| Retained earnings to average equity (ytd only) | 10.6473% | 818 |
| Net charge-offs to loans | 0.1189% | 3,984 |
| Credit loss provision to net charge-offs | 336.1345% | 873 |
| Earnings coverage of net charge-offs (x) | 19.8420% | 1,413 |
| Efficiency ratio | 68.5835% | 4,023 |
| Assets per employee ($millions) | 8.1875% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 3,035 |
| Loan loss allowance to noncurrent loans | 334.8045% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 6,343 |
| Noncurrent loans to loans | 0.5220% | 5,480 |
| Net loans and leases to total assets | 33.7328% | 6,740 |
| Net loans and leases to deposits | 42.8299% | 6,611 |
| Net loans and leases to core deposits | 46.4723% | 6,551 |
| Total domestic deposits to total assets | 78.7600% | 6,002 |
| Equity capital to assets | 6.0897% | 7,022 |
| Core capital (leverage) ratio | 6.1066% | 6,975 |
| Tier 1 risk-based capital ratio | 12.7150% | 5,407 |
| Total risk-based capital ratio | 13.9650% | 5,377 |
| Memoranda: | ||
| Average total assets | $2,863,240,670 | 257 |
| Average earning assets | $2,703,531,670 | 246 |
| Average equity | $176,627,330 | 423 |
| Average total loans | $1,000,432,330 | 421 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9338% | 7,070 |
| Cost of funding earning assets | 0.6621% | 4,615 |
| Net interest margin | 2.2717% | 7,073 |
| Noninterest income to average assets | 0.4923% | 3,962 |
| Noninterest expense to average assets | 1.8253% | 6,769 |
| Loan and lease loss provision to assets | 0.1573% | 3,413 |
| Net operating income to assets | 0.5836% | 4,424 |
| Return on assets (ROA) | 0.6025% | 4,550 |
| Pretax return on assets | 0.6770% | 4,867 |
| Return on Equity (ROE) | 9.6996% | 2,515 |
| Retained earnings to average equity (ytd only) | 9.6996% | 1,353 |
| Net charge-offs to loans | 0.0973% | 3,555 |
| Credit loss provision to net charge-offs | 458.3333% | 706 |
| Earnings coverage of net charge-offs (x) | 23.6875% | 1,085 |
| Efficiency ratio | 68.6545% | 4,042 |
| Assets per employee ($millions) | 7.9238% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7646% | 3,107 |
| Loan loss allowance to noncurrent loans | 327.9533% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 6,312 |
| Noncurrent loans to loans | 0.5381% | 5,587 |
| Net loans and leases to total assets | 34.0234% | 6,737 |
| Net loans and leases to deposits | 43.8440% | 6,568 |
| Net loans and leases to core deposits | 48.0983% | 6,455 |
| Total domestic deposits to total assets | 77.6011% | 6,321 |
| Equity capital to assets | 6.1963% | 7,053 |
| Core capital (leverage) ratio | 6.1840% | 7,017 |
| Tier 1 risk-based capital ratio | 12.8995% | 5,284 |
| Total risk-based capital ratio | 14.1499% | 5,258 |
| Memoranda: | ||
| Average total assets | $2,796,542,500 | 261 |
| Average earning assets | $2,641,897,500 | 247 |
| Average equity | $173,697,500 | 425 |
| Average total loans | $986,234,000 | 424 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1919% | 7,127 |
| Cost of funding earning assets | 0.8355% | 4,584 |
| Net interest margin | 2.3565% | 7,120 |
| Noninterest income to average assets | 0.5430% | 3,560 |
| Noninterest expense to average assets | 1.8691% | 6,864 |
| Loan and lease loss provision to assets | 0.1751% | 4,447 |
| Net operating income to assets | 0.6369% | 3,798 |
| Return on assets (ROA) | 0.7033% | 3,662 |
| Pretax return on assets | 0.7946% | 4,000 |
| Return on Equity (ROE) | 11.2503% | 1,634 |
| Retained earnings to average equity (ytd only) | 11.2503% | 377 |
| Net charge-offs to loans | 0.2136% | 4,454 |
| Credit loss provision to net charge-offs | 224.2484% | 1,085 |
| Earnings coverage of net charge-offs (x) | 11.4648% | 1,723 |
| Efficiency ratio | 67.0805% | 4,559 |
| Assets per employee ($millions) | 7.5915% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 3,264 |
| Loan loss allowance to noncurrent loans | 283.5586% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 6,326 |
| Noncurrent loans to loans | 0.5937% | 5,526 |
| Net loans and leases to total assets | 35.3188% | 6,799 |
| Net loans and leases to deposits | 45.0603% | 6,671 |
| Net loans and leases to core deposits | 49.3268% | 6,567 |
| Total domestic deposits to total assets | 78.3813% | 6,120 |
| Equity capital to assets | 6.2266% | 7,071 |
| Core capital (leverage) ratio | 6.2039% | 7,029 |
| Tier 1 risk-based capital ratio | 12.8462% | 5,199 |
| Total risk-based capital ratio | 14.0963% | 5,176 |
| Memoranda: | ||
| Average total assets | $2,599,060,800 | 272 |
| Average earning assets | $2,449,775,200 | 260 |
| Average equity | $162,485,200 | 434 |
| Average total loans | $949,971,000 | 442 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2512% | 7,189 |
| Cost of funding earning assets | 0.8726% | 4,621 |
| Net interest margin | 2.3787% | 7,184 |
| Noninterest income to average assets | 0.5447% | 3,554 |
| Noninterest expense to average assets | 1.8679% | 6,894 |
| Loan and lease loss provision to assets | 0.1872% | 4,157 |
| Net operating income to assets | 0.6544% | 3,851 |
| Return on assets (ROA) | 0.7120% | 3,720 |
| Pretax return on assets | 0.7966% | 4,140 |
| Return on Equity (ROE) | 11.3772% | 1,733 |
| Retained earnings to average equity (ytd only) | 11.3772% | 570 |
| Net charge-offs to loans | 0.2338% | 3,965 |
| Credit loss provision to net charge-offs | 218.0497% | 1,309 |
| Earnings coverage of net charge-offs (x) | 10.7044% | 1,883 |
| Efficiency ratio | 66.4782% | 4,626 |
| Assets per employee ($millions) | 7.4522% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 3,331 |
| Loan loss allowance to noncurrent loans | 260.5765% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 6,360 |
| Noncurrent loans to loans | 0.6455% | 5,596 |
| Net loans and leases to total assets | 35.1559% | 6,906 |
| Net loans and leases to deposits | 43.9312% | 6,838 |
| Net loans and leases to core deposits | 48.7192% | 6,727 |
| Total domestic deposits to total assets | 80.0248% | 5,726 |
| Equity capital to assets | 6.4709% | 7,136 |
| Core capital (leverage) ratio | 6.0628% | 7,127 |
| Tier 1 risk-based capital ratio | 12.8260% | 5,223 |
| Total risk-based capital ratio | 14.0760% | 5,205 |
| Memoranda: | ||
| Average total assets | $2,563,697,250 | 277 |
| Average earning assets | $2,416,746,000 | 262 |
| Average equity | $160,446,000 | 452 |
| Average total loans | $941,340,750 | 447 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2946% | 7,251 |
| Cost of funding earning assets | 0.8883% | 4,770 |
| Net interest margin | 2.4063% | 7,230 |
| Noninterest income to average assets | 0.5440% | 3,521 |
| Noninterest expense to average assets | 1.8882% | 6,967 |
| Loan and lease loss provision to assets | 0.1896% | 4,024 |
| Net operating income to assets | 0.6629% | 3,728 |
| Return on assets (ROA) | 0.6886% | 3,721 |
| Pretax return on assets | 0.7613% | 4,175 |
| Return on Equity (ROE) | 11.1356% | 1,751 |
| Retained earnings to average equity (ytd only) | 11.1356% | 644 |
| Net charge-offs to loans | 0.1147% | 4,556 |
| Credit loss provision to net charge-offs | 446.0967% | 678 |
| Earnings coverage of net charge-offs (x) | 21.6989% | 1,144 |
| Efficiency ratio | 66.6386% | 4,753 |
| Assets per employee ($millions) | 7.2886% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 3,483 |
| Loan loss allowance to noncurrent loans | 123.7558% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 5,928 |
| Noncurrent loans to loans | 1.3354% | 4,418 |
| Net loans and leases to total assets | 36.5014% | 6,934 |
| Net loans and leases to deposits | 45.5119% | 6,855 |
| Net loans and leases to core deposits | 49.9146% | 6,761 |
| Total domestic deposits to total assets | 80.2019% | 5,767 |
| Equity capital to assets | 6.3012% | 7,211 |
| Core capital (leverage) ratio | 5.9929% | 7,194 |
| Tier 1 risk-based capital ratio | 12.4565% | 5,388 |
| Total risk-based capital ratio | 13.7064% | 5,366 |
| Memoranda: | ||
| Average total assets | $2,531,446,330 | 283 |
| Average earning assets | $2,384,509,000 | 268 |
| Average equity | $156,542,670 | 459 |
| Average total loans | $938,018,670 | 457 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3371% | 7,297 |
| Cost of funding earning assets | 0.8624% | 5,194 |
| Net interest margin | 2.4747% | 7,215 |
| Noninterest income to average assets | 0.5245% | 3,696 |
| Noninterest expense to average assets | 1.9482% | 6,913 |
| Loan and lease loss provision to assets | 0.1920% | 3,712 |
| Net operating income to assets | 0.6351% | 3,835 |
| Return on assets (ROA) | 0.6585% | 3,785 |
| Pretax return on assets | 0.7428% | 4,133 |
| Return on Equity (ROE) | 10.7536% | 1,817 |
| Retained earnings to average equity (ytd only) | 10.7536% | 944 |
| Net charge-offs to loans | 0.1275% | 3,757 |
| Credit loss provision to net charge-offs | 406.7797% | 830 |
| Earnings coverage of net charge-offs (x) | 19.2475% | 1,150 |
| Efficiency ratio | 67.6525% | 4,730 |
| Assets per employee ($millions) | 7.3365% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 3,802 |
| Loan loss allowance to noncurrent loans | 131.4065% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 6,036 |
| Noncurrent loans to loans | 1.2047% | 4,672 |
| Net loans and leases to total assets | 36.3180% | 6,988 |
| Net loans and leases to deposits | 45.1790% | 6,903 |
| Net loans and leases to core deposits | 49.7292% | 6,789 |
| Total domestic deposits to total assets | 80.3870% | 5,843 |
| Equity capital to assets | 6.0468% | 7,282 |
| Core capital (leverage) ratio | 6.1141% | 7,230 |
| Tier 1 risk-based capital ratio | 12.3019% | 5,436 |
| Total risk-based capital ratio | 13.5038% | 5,471 |
| Memoranda: | ||
| Average total assets | $2,499,802,500 | 286 |
| Average earning assets | $2,355,822,000 | 270 |
| Average equity | $153,064,500 | 463 |
| Average total loans | $925,513,500 | 469 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 7,406 |
| Cost of funding earning assets | 1.0128% | 5,626 |
| Net interest margin | 2.4260% | 7,312 |
| Noninterest income to average assets | 0.5945% | 3,510 |
| Noninterest expense to average assets | 1.9902% | 7,039 |
| Loan and lease loss provision to assets | 0.2344% | 4,933 |
| Net operating income to assets | 0.5674% | 3,813 |
| Return on assets (ROA) | 0.6359% | 3,656 |
| Pretax return on assets | 0.7217% | 3,897 |
| Return on Equity (ROE) | 10.3948% | 1,791 |
| Retained earnings to average equity (ytd only) | 10.3948% | 451 |
| Net charge-offs to loans | 0.4430% | 3,847 |
| Credit loss provision to net charge-offs | 143.1322% | 2,611 |
| Earnings coverage of net charge-offs (x) | 5.3623% | 2,646 |
| Efficiency ratio | 68.8129% | 4,403 |
| Assets per employee ($millions) | 7.1740% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 3,772 |
| Loan loss allowance to noncurrent loans | 173.1215% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 6,420 |
| Noncurrent loans to loans | 0.8959% | 5,267 |
| Net loans and leases to total assets | 36.5746% | 7,133 |
| Net loans and leases to deposits | 46.2383% | 7,035 |
| Net loans and leases to core deposits | 49.5201% | 7,000 |
| Total domestic deposits to total assets | 79.1001% | 6,058 |
| Equity capital to assets | 6.2031% | 7,316 |
| Core capital (leverage) ratio | 6.1432% | 7,273 |
| Tier 1 risk-based capital ratio | 12.4342% | 5,079 |
| Total risk-based capital ratio | 13.6079% | 5,124 |
| Memoranda: | ||
| Average total assets | $2,377,955,600 | 299 |
| Average earning assets | $2,228,915,800 | 287 |
| Average equity | $145,467,400 | 472 |
| Average total loans | $879,319,400 | 511 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 7,542 |
| Cost of funding earning assets | 1.0447% | 5,718 |
| Net interest margin | 2.4219% | 7,424 |
| Noninterest income to average assets | 0.6022% | 3,425 |
| Noninterest expense to average assets | 1.9961% | 7,053 |
| Loan and lease loss provision to assets | 0.2384% | 4,693 |
| Net operating income to assets | 0.5587% | 4,058 |
| Return on assets (ROA) | 0.6098% | 4,004 |
| Pretax return on assets | 0.6930% | 4,251 |
| Return on Equity (ROE) | 10.0038% | 2,120 |
| Retained earnings to average equity (ytd only) | 10.0038% | 794 |
| Net charge-offs to loans | 0.4234% | 3,598 |
| Credit loss provision to net charge-offs | 152.4720% | 2,543 |
| Earnings coverage of net charge-offs (x) | 5.5857% | 2,712 |
| Efficiency ratio | 68.9892% | 4,266 |
| Assets per employee ($millions) | 7.0257% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 3,523 |
| Loan loss allowance to noncurrent loans | 144.0012% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 6,396 |
| Noncurrent loans to loans | 1.1116% | 5,024 |
| Net loans and leases to total assets | 34.9671% | 7,309 |
| Net loans and leases to deposits | 44.4981% | 7,222 |
| Net loans and leases to core deposits | 46.8416% | 7,240 |
| Total domestic deposits to total assets | 78.5811% | 6,124 |
| Equity capital to assets | 6.2255% | 7,462 |
| Core capital (leverage) ratio | 5.9290% | 7,442 |
| Tier 1 risk-based capital ratio | 12.4448% | 5,037 |
| Total risk-based capital ratio | 13.6359% | 5,062 |
| Memoranda: | ||
| Average total assets | $2,362,655,250 | 298 |
| Average earning assets | $2,211,926,500 | 287 |
| Average equity | $144,008,500 | 471 |
| Average total loans | $872,608,000 | 511 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5478% | 7,597 |
| Cost of funding earning assets | 1.0821% | 5,770 |
| Net interest margin | 2.4657% | 7,437 |
| Noninterest income to average assets | 0.6239% | 3,166 |
| Noninterest expense to average assets | 2.0596% | 7,000 |
| Loan and lease loss provision to assets | 0.2586% | 4,348 |
| Net operating income to assets | 0.5353% | 4,173 |
| Return on assets (ROA) | 0.6116% | 3,963 |
| Pretax return on assets | 0.7020% | 4,231 |
| Return on Equity (ROE) | 10.1097% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.1097% | 822 |
| Net charge-offs to loans | 0.2392% | 4,168 |
| Credit loss provision to net charge-offs | 288.9207% | 1,288 |
| Earnings coverage of net charge-offs (x) | 9.7526% | 1,979 |
| Efficiency ratio | 69.6709% | 4,252 |
| Assets per employee ($millions) | 7.0854% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 3,241 |
| Loan loss allowance to noncurrent loans | 134.2879% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 6,334 |
| Noncurrent loans to loans | 1.2306% | 4,909 |
| Net loans and leases to total assets | 35.3459% | 7,373 |
| Net loans and leases to deposits | 45.9904% | 7,247 |
| Net loans and leases to core deposits | 48.5825% | 7,262 |
| Total domestic deposits to total assets | 76.8550% | 6,539 |
| Equity capital to assets | 6.1099% | 7,523 |
| Core capital (leverage) ratio | 5.9533% | 7,485 |
| Tier 1 risk-based capital ratio | 11.9319% | 5,370 |
| Total risk-based capital ratio | 13.1486% | 5,378 |
| Memoranda: | ||
| Average total assets | $2,339,912,000 | 302 |
| Average earning assets | $2,190,708,330 | 288 |
| Average equity | $141,566,670 | 477 |
| Average total loans | $875,532,000 | 511 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6212% | 7,671 |
| Cost of funding earning assets | 1.1560% | 5,625 |
| Net interest margin | 2.4652% | 7,497 |
| Noninterest income to average assets | 0.6690% | 2,816 |
| Noninterest expense to average assets | 2.0052% | 7,150 |
| Loan and lease loss provision to assets | 0.2737% | 3,838 |
| Net operating income to assets | 0.6025% | 3,886 |
| Return on assets (ROA) | 0.6590% | 3,732 |
| Pretax return on assets | 0.7653% | 4,010 |
| Return on Equity (ROE) | 10.9485% | 1,801 |
| Retained earnings to average equity (ytd only) | 10.9485% | 930 |
| Net charge-offs to loans | 0.3267% | 3,104 |
| Credit loss provision to net charge-offs | 219.3593% | 1,716 |
| Earnings coverage of net charge-offs (x) | 7.8008% | 2,037 |
| Efficiency ratio | 66.7561% | 4,962 |
| Assets per employee ($millions) | 6.9425% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 3,906 |
| Loan loss allowance to noncurrent loans | 108.7196% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 6,203 |
| Noncurrent loans to loans | 1.3810% | 4,667 |
| Net loans and leases to total assets | 36.8768% | 7,396 |
| Net loans and leases to deposits | 46.8524% | 7,288 |
| Net loans and leases to core deposits | 52.1532% | 7,193 |
| Total domestic deposits to total assets | 78.7084% | 6,149 |
| Equity capital to assets | 6.0174% | 7,622 |
| Core capital (leverage) ratio | 5.8992% | 7,591 |
| Tier 1 risk-based capital ratio | 11.7123% | 5,482 |
| Total risk-based capital ratio | 12.8411% | 5,557 |
| Memoranda: | ||
| Average total assets | $2,301,812,000 | 318 |
| Average earning assets | $2,156,439,500 | 303 |
| Average equity | $138,539,500 | 491 |
| Average total loans | $879,124,500 | 528 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 7,579 |
| Cost of funding earning assets | 1.5887% | 5,081 |
| Net interest margin | 2.6660% | 7,255 |
| Noninterest income to average assets | 0.6766% | 3,108 |
| Noninterest expense to average assets | 2.2897% | 6,777 |
| Loan and lease loss provision to assets | 0.3284% | 4,843 |
| Net operating income to assets | 0.4564% | 3,901 |
| Return on assets (ROA) | 0.5730% | 3,506 |
| Pretax return on assets | 0.6673% | 3,692 |
| Return on Equity (ROE) | 9.0115% | 2,020 |
| Retained earnings to average equity (ytd only) | 6.8549% | 1,015 |
| Net charge-offs to loans | 0.6295% | 3,317 |
| Credit loss provision to net charge-offs | 123.3476% | 4,277 |
| Earnings coverage of net charge-offs (x) | 3.2307% | 3,439 |
| Efficiency ratio | 72.0826% | 4,249 |
| Assets per employee ($millions) | 6.8186% | 857 |
| Cash dividends to net income (ytd only)* | 23.9315% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 4,174 |
| Loan loss allowance to noncurrent loans | 100.5036% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 6,078 |
| Noncurrent loans to loans | 1.4036% | 4,582 |
| Net loans and leases to total assets | 38.4313% | 7,433 |
| Net loans and leases to deposits | 49.9431% | 7,263 |
| Net loans and leases to core deposits | 55.6924% | 7,414 |
| Total domestic deposits to total assets | 76.9501% | 6,494 |
| Equity capital to assets | 6.0201% | 7,663 |
| Core capital (leverage) ratio | 6.2347% | 7,579 |
| Tier 1 risk-based capital ratio | 11.6774% | 5,222 |
| Total risk-based capital ratio | 12.7620% | 5,346 |
| Memoranda: | ||
| Average total assets | $2,017,264,200 | 353 |
| Average earning assets | $1,871,451,600 | 338 |
| Average equity | $128,258,800 | 518 |
| Average total loans | $853,150,000 | 549 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 7,610 |
| Cost of funding earning assets | 1.6858% | 4,972 |
| Net interest margin | 2.7113% | 7,197 |
| Noninterest income to average assets | 0.7097% | 2,953 |
| Noninterest expense to average assets | 2.3691% | 6,509 |
| Loan and lease loss provision to assets | 0.2824% | 4,720 |
| Net operating income to assets | 0.4868% | 4,042 |
| Return on assets (ROA) | 0.5513% | 3,872 |
| Pretax return on assets | 0.6451% | 4,038 |
| Return on Equity (ROE) | 8.5401% | 2,432 |
| Retained earnings to average equity (ytd only) | 5.6238% | 2,146 |
| Net charge-offs to loans | 0.1657% | 5,063 |
| Credit loss provision to net charge-offs | 394.1121% | 1,016 |
| Earnings coverage of net charge-offs (x) | 11.8842% | 1,815 |
| Efficiency ratio | 72.9434% | 4,064 |
| Assets per employee ($millions) | 6.1676% | 1,134 |
| Cash dividends to net income (ytd only)* | 34.1482% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 2,897 |
| Loan loss allowance to noncurrent loans | 83.6186% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 5,431 |
| Noncurrent loans to loans | 1.9429% | 3,716 |
| Net loans and leases to total assets | 42.0395% | 7,361 |
| Net loans and leases to deposits | 55.0544% | 7,142 |
| Net loans and leases to core deposits | 62.5217% | 7,305 |
| Total domestic deposits to total assets | 76.3599% | 6,512 |
| Equity capital to assets | 6.4936% | 7,765 |
| Core capital (leverage) ratio | 6.4037% | 7,703 |
| Tier 1 risk-based capital ratio | 11.9465% | 5,021 |
| Total risk-based capital ratio | 13.1967% | 4,957 |
| Memoranda: | ||
| Average total assets | $1,959,048,500 | 370 |
| Average earning assets | $1,814,335,000 | 362 |
| Average equity | $126,458,750 | 537 |
| Average total loans | $847,156,250 | 565 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 7,657 |
| Cost of funding earning assets | 1.8060% | 4,726 |
| Net interest margin | 2.6585% | 7,288 |
| Noninterest income to average assets | 0.7455% | 2,725 |
| Noninterest expense to average assets | 2.4478% | 6,305 |
| Loan and lease loss provision to assets | 0.3006% | 4,159 |
| Net operating income to assets | 0.3869% | 4,561 |
| Return on assets (ROA) | 0.4731% | 4,319 |
| Pretax return on assets | 0.5543% | 4,458 |
| Return on Equity (ROE) | 7.3441% | 3,046 |
| Retained earnings to average equity (ytd only) | 2.8932% | 3,716 |
| Net charge-offs to loans | 0.1564% | 4,632 |
| Credit loss provision to net charge-offs | 442.7481% | 1,051 |
| Earnings coverage of net charge-offs (x) | 11.0992% | 1,936 |
| Efficiency ratio | 75.8329% | 3,723 |
| Assets per employee ($millions) | 6.1284% | 1,135 |
| Cash dividends to net income (ytd only)* | 60.6047% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 2,748 |
| Loan loss allowance to noncurrent loans | 78.1658% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 5,312 |
| Noncurrent loans to loans | 2.0465% | 3,450 |
| Net loans and leases to total assets | 40.4033% | 7,528 |
| Net loans and leases to deposits | 52.8303% | 7,336 |
| Net loans and leases to core deposits | 60.7783% | 7,425 |
| Total domestic deposits to total assets | 76.4775% | 6,444 |
| Equity capital to assets | 6.1996% | 7,895 |
| Core capital (leverage) ratio | 6.2403% | 7,871 |
| Tier 1 risk-based capital ratio | 11.9148% | 4,987 |
| Total risk-based capital ratio | 13.1649% | 4,905 |
| Memoranda: | ||
| Average total assets | $1,929,514,670 | 384 |
| Average earning assets | $1,782,436,670 | 377 |
| Average equity | $124,289,670 | 552 |
| Average total loans | $837,862,330 | 584 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 7,676 |
| Cost of funding earning assets | 1.9326% | 4,473 |
| Net interest margin | 2.6073% | 7,360 |
| Noninterest income to average assets | 0.7830% | 2,411 |
| Noninterest expense to average assets | 2.4271% | 6,107 |
| Loan and lease loss provision to assets | 0.3943% | 2,964 |
| Net operating income to assets | 0.2993% | 5,301 |
| Return on assets (ROA) | 0.4723% | 4,744 |
| Pretax return on assets | 0.5673% | 4,854 |
| Return on Equity (ROE) | 7.1852% | 3,510 |
| Retained earnings to average equity (ytd only) | 2.5972% | 4,436 |
| Net charge-offs to loans | 0.2131% | 3,360 |
| Credit loss provision to net charge-offs | 413.8702% | 1,274 |
| Earnings coverage of net charge-offs (x) | 7.9060% | 2,275 |
| Efficiency ratio | 75.6684% | 3,542 |
| Assets per employee ($millions) | 5.8013% | 1,318 |
| Cash dividends to net income (ytd only)* | 63.8538% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 3,060 |
| Loan loss allowance to noncurrent loans | 85.4219% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 5,286 |
| Noncurrent loans to loans | 1.7408% | 3,652 |
| Net loans and leases to total assets | 42.4330% | 7,440 |
| Net loans and leases to deposits | 55.1705% | 7,211 |
| Net loans and leases to core deposits | 63.8570% | 7,323 |
| Total domestic deposits to total assets | 76.9124% | 6,295 |
| Equity capital to assets | 6.3634% | 7,915 |
| Core capital (leverage) ratio | 6.5358% | 7,864 |
| Tier 1 risk-based capital ratio | 11.8679% | 5,065 |
| Total risk-based capital ratio | 13.0586% | 5,029 |
| Memoranda: | ||
| Average total assets | $1,876,957,000 | 397 |
| Average earning assets | $1,725,794,500 | 394 |
| Average equity | $123,365,500 | 555 |
| Average total loans | $839,082,500 | 589 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 7,665 |
| Cost of funding earning assets | 2.2235% | 5,488 |
| Net interest margin | 2.9985% | 6,923 |
| Noninterest income to average assets | 0.7978% | 2,525 |
| Noninterest expense to average assets | 2.5058% | 5,979 |
| Loan and lease loss provision to assets | 0.2586% | 4,331 |
| Net operating income to assets | 0.5828% | 4,382 |
| Return on assets (ROA) | 0.5906% | 4,214 |
| Pretax return on assets | 0.7543% | 4,235 |
| Return on Equity (ROE) | 8.1903% | 2,985 |
| Retained earnings to average equity (ytd only) | 4.3188% | 2,432 |
| Net charge-offs to loans | 0.3794% | 2,939 |
| Credit loss provision to net charge-offs | 150.5614% | 3,484 |
| Earnings coverage of net charge-offs (x) | 5.8391% | 3,517 |
| Efficiency ratio | 70.7726% | 4,184 |
| Assets per employee ($millions) | 5.3064% | 1,633 |
| Cash dividends to net income (ytd only)* | 47.2695% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 3,592 |
| Loan loss allowance to noncurrent loans | 296.5067% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 6,741 |
| Noncurrent loans to loans | 0.4485% | 6,009 |
| Net loans and leases to total assets | 45.8588% | 7,345 |
| Net loans and leases to deposits | 63.5986% | 6,833 |
| Net loans and leases to core deposits | 75.9361% | 6,861 |
| Total domestic deposits to total assets | 72.1066% | 6,976 |
| Equity capital to assets | 6.8000% | 7,831 |
| Core capital (leverage) ratio | 7.1508% | 7,568 |
| Tier 1 risk-based capital ratio | 12.0945% | 4,743 |
| Total risk-based capital ratio | 13.1806% | 4,764 |
| Memoranda: | ||
| Average total assets | $1,711,341,000 | 415 |
| Average earning assets | $1,547,098,600 | 415 |
| Average equity | $123,414,200 | 547 |
| Average total loans | $774,552,200 | 614 |