Home > CTBC Bank Corp. (USA) > Performance and Condition Ratios
CTBC Bank Corp. (USA), Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4309% | 1,256 |
| Cost of funding earning assets | 2.6736% | 262 |
| Net interest margin | 2.7573% | 3,739 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.7990% | 4,008 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7185% | 3,136 |
| Return on assets (ROA) | 0.7185% | 3,115 |
| Pretax return on assets | 1.0232% | 2,605 |
| Return on Equity (ROE) | 5.6600% | 3,596 |
| Retained earnings to average equity (ytd only) | 5.6579% | 2,368 |
| Net charge-offs to loans | 0.0358% | 1,595 |
| Credit loss provision to net charge-offs | 87.4517% | 1,967 |
| Earnings coverage of net charge-offs (x) | 34.5129% | 1,544 |
| Efficiency ratio | 63.1497% | 2,713 |
| Assets per employee ($millions) | 13.7075% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,221 |
| Loan loss allowance to noncurrent loans | 202.8640% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 1,082 |
| Noncurrent loans to loans | 0.5014% | 1,532 |
| Net loans and leases to total assets | 84.1200% | 265 |
| Net loans and leases to deposits | 97.6235% | 670 |
| Net loans and leases to core deposits | 146.6114% | 228 |
| Total domestic deposits to total assets | 86.1700% | 1,958 |
| Equity capital to assets | 12.6899% | 945 |
| Core capital (leverage) ratio | 13.3942% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $5,109,071,200 | 269 |
| Average earning assets | $4,862,818,000 | 259 |
| Average equity | $648,809,000 | 225 |
| Average total loans | $4,344,961,400 | 222 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 1,209 |
| Cost of funding earning assets | 2.5263% | 261 |
| Net interest margin | 2.8231% | 3,690 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8314% | 3,920 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7144% | 3,280 |
| Return on assets (ROA) | 0.7144% | 3,265 |
| Pretax return on assets | 1.0058% | 2,843 |
| Return on Equity (ROE) | 5.6200% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.6248% | 2,742 |
| Net charge-offs to loans | 0.0304% | 1,467 |
| Credit loss provision to net charge-offs | 239.4309% | 1,010 |
| Earnings coverage of net charge-offs (x) | 41.2378% | 1,428 |
| Efficiency ratio | 63.1698% | 2,598 |
| Assets per employee ($millions) | 13.6471% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,090 |
| Loan loss allowance to noncurrent loans | 216.6544% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 847 |
| Noncurrent loans to loans | 0.4875% | 1,602 |
| Net loans and leases to total assets | 85.0000% | 216 |
| Net loans and leases to deposits | 98.5448% | 580 |
| Net loans and leases to core deposits | 141.8488% | 201 |
| Total domestic deposits to total assets | 86.2600% | 2,116 |
| Equity capital to assets | 12.5526% | 906 |
| Core capital (leverage) ratio | 13.2859% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $5,066,987,500 | 273 |
| Average earning assets | $4,822,061,500 | 264 |
| Average equity | $643,587,250 | 225 |
| Average total loans | $4,309,933,000 | 227 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 1,179 |
| Cost of funding earning assets | 2.3459% | 250 |
| Net interest margin | 2.8783% | 3,685 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.8485% | 3,912 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.7053% | 3,335 |
| Return on assets (ROA) | 0.7053% | 3,338 |
| Pretax return on assets | 0.9945% | 2,929 |
| Return on Equity (ROE) | 5.5300% | 3,791 |
| Retained earnings to average equity (ytd only) | 5.5305% | 2,770 |
| Net charge-offs to loans | 0.0132% | 1,698 |
| Credit loss provision to net charge-offs | 1,050.7143% | 394 |
| Earnings coverage of net charge-offs (x) | 99.7107% | 938 |
| Efficiency ratio | 62.4452% | 2,653 |
| Assets per employee ($millions) | 13.5012% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 2,888 |
| Loan loss allowance to noncurrent loans | 214.3685% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 740 |
| Noncurrent loans to loans | 0.5195% | 1,423 |
| Net loans and leases to total assets | 83.8900% | 280 |
| Net loans and leases to deposits | 97.2179% | 657 |
| Net loans and leases to core deposits | 136.7372% | 246 |
| Total domestic deposits to total assets | 86.2900% | 2,149 |
| Equity capital to assets | 12.6243% | 908 |
| Core capital (leverage) ratio | 13.3365% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $5,022,798,333 | 267 |
| Average earning assets | $4,786,492,000 | 259 |
| Average equity | $640,557,333 | 221 |
| Average total loans | $4,257,593,000 | 220 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0909% | 1,100 |
| Cost of funding earning assets | 2.0937% | 239 |
| Net interest margin | 2.9972% | 3,610 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.8149% | 4,005 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.8242% | 3,116 |
| Return on assets (ROA) | 0.8242% | 3,067 |
| Pretax return on assets | 1.1644% | 2,527 |
| Return on Equity (ROE) | 6.4300% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.4289% | 2,661 |
| Net charge-offs to loans | 0.0257% | 1,175 |
| Credit loss provision to net charge-offs | 463.3333% | 574 |
| Earnings coverage of net charge-offs (x) | 58.2074% | 1,041 |
| Efficiency ratio | 58.9253% | 3,081 |
| Assets per employee ($millions) | 13.2148% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,041 |
| Loan loss allowance to noncurrent loans | 214.4160% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 1,184 |
| Noncurrent loans to loans | 0.5141% | 1,438 |
| Net loans and leases to total assets | 84.0500% | 233 |
| Net loans and leases to deposits | 97.5850% | 560 |
| Net loans and leases to core deposits | 134.8501% | 230 |
| Total domestic deposits to total assets | 86.1300% | 2,546 |
| Equity capital to assets | 12.8645% | 795 |
| Core capital (leverage) ratio | 13.5848% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $4,968,977,500 | 279 |
| Average earning assets | $4,747,497,500 | 269 |
| Average equity | $636,995,000 | 227 |
| Average total loans | $4,210,084,000 | 232 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 1,302 |
| Cost of funding earning assets | 0.7650% | 443 |
| Net interest margin | 3.4089% | 2,229 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.8780% | 3,877 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1143% | 2,105 |
| Return on assets (ROA) | 1.1143% | 2,045 |
| Pretax return on assets | 1.5496% | 1,293 |
| Return on Equity (ROE) | 8.4900% | 3,259 |
| Retained earnings to average equity (ytd only) | 8.4872% | 1,647 |
| Net charge-offs to loans | -0.0683% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.3382% | 3,850 |
| Assets per employee ($millions) | 13.2513% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,038 |
| Loan loss allowance to noncurrent loans | 192.2123% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 1,077 |
| Noncurrent loans to loans | 0.5564% | 1,331 |
| Net loans and leases to total assets | 83.5700% | 290 |
| Net loans and leases to deposits | 97.2663% | 573 |
| Net loans and leases to core deposits | 131.2299% | 212 |
| Total domestic deposits to total assets | 85.9100% | 2,757 |
| Equity capital to assets | 12.7739% | 748 |
| Core capital (leverage) ratio | 13.4628% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $4,659,046,800 | 284 |
| Average earning assets | $4,453,044,200 | 273 |
| Average equity | $611,722,400 | 232 |
| Average total loans | $3,872,420,200 | 231 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 1,443 |
| Cost of funding earning assets | 0.4924% | 776 |
| Net interest margin | 3.4257% | 1,889 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.8403% | 3,902 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.1009% | 2,088 |
| Return on assets (ROA) | 1.1009% | 2,056 |
| Pretax return on assets | 1.5670% | 1,214 |
| Return on Equity (ROE) | 8.3200% | 3,225 |
| Retained earnings to average equity (ytd only) | 8.3240% | 1,878 |
| Net charge-offs to loans | -0.0970% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.7580% | 4,032 |
| Assets per employee ($millions) | 12.7874% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 3,050 |
| Loan loss allowance to noncurrent loans | 197.5396% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 1,117 |
| Noncurrent loans to loans | 0.5532% | 1,438 |
| Net loans and leases to total assets | 87.3200% | 81 |
| Net loans and leases to deposits | 101.8562% | 308 |
| Net loans and leases to core deposits | 122.2889% | 226 |
| Total domestic deposits to total assets | 85.7200% | 3,130 |
| Equity capital to assets | 13.0469% | 670 |
| Core capital (leverage) ratio | 13.3354% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $4,588,122,000 | 286 |
| Average earning assets | $4,387,000,500 | 276 |
| Average equity | $606,807,500 | 235 |
| Average total loans | $3,796,753,250 | 233 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 1,757 |
| Cost of funding earning assets | 0.3903% | 982 |
| Net interest margin | 3.2359% | 2,089 |
| Noninterest income to average assets | 0.3172% | 3,270 |
| Noninterest expense to average assets | 1.8005% | 3,953 |
| Loan and lease loss provision to assets | 0.1298% | 749 |
| Net operating income to assets | 1.0426% | 2,010 |
| Return on assets (ROA) | 1.0426% | 1,978 |
| Pretax return on assets | 1.4826% | 1,220 |
| Return on Equity (ROE) | 7.8464% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.8464% | 1,676 |
| Net charge-offs to loans | -0.1436% | 4,525 |
| Credit loss provision to net charge-offs | -111.8695% | 3,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7556% | 4,068 |
| Assets per employee ($millions) | 12.7769% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,125 |
| Loan loss allowance to noncurrent loans | 184.7560% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 1,171 |
| Noncurrent loans to loans | 0.6010% | 1,408 |
| Net loans and leases to total assets | 79.9476% | 410 |
| Net loans and leases to deposits | 92.5116% | 582 |
| Net loans and leases to core deposits | 106.0334% | 451 |
| Total domestic deposits to total assets | 86.4190% | 3,136 |
| Equity capital to assets | 12.6438% | 731 |
| Core capital (leverage) ratio | 12.9772% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,544,645,333 | 288 |
| Average earning assets | $4,347,673,333 | 277 |
| Average equity | $603,868,667 | 235 |
| Average total loans | $3,673,823,000 | 237 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 1,880 |
| Cost of funding earning assets | 0.3558% | 1,159 |
| Net interest margin | 3.1212% | 2,105 |
| Noninterest income to average assets | 0.2995% | 3,324 |
| Noninterest expense to average assets | 1.7791% | 3,991 |
| Loan and lease loss provision to assets | 0.1645% | 478 |
| Net operating income to assets | 0.9388% | 2,114 |
| Return on assets (ROA) | 0.9388% | 2,105 |
| Pretax return on assets | 1.3390% | 1,413 |
| Return on Equity (ROE) | 6.8833% | 3,072 |
| Retained earnings to average equity (ytd only) | 6.8833% | 1,932 |
| Net charge-offs to loans | -0.0127% | 3,685 |
| Credit loss provision to net charge-offs | -1,604.4248% | 3,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1972% | 4,038 |
| Assets per employee ($millions) | 12.7851% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,373 |
| Loan loss allowance to noncurrent loans | 129.3773% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 842 |
| Noncurrent loans to loans | 0.8417% | 1,113 |
| Net loans and leases to total assets | 80.1183% | 233 |
| Net loans and leases to deposits | 93.4697% | 384 |
| Net loans and leases to core deposits | 108.6164% | 286 |
| Total domestic deposits to total assets | 85.7159% | 3,340 |
| Equity capital to assets | 13.4137% | 621 |
| Core capital (leverage) ratio | 13.6897% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,408,531,500 | 296 |
| Average earning assets | $4,213,574,500 | 288 |
| Average equity | $601,285,000 | 241 |
| Average total loans | $3,563,626,000 | 242 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 2,352 |
| Cost of funding earning assets | 0.4109% | 1,462 |
| Net interest margin | 3.2014% | 2,593 |
| Noninterest income to average assets | 0.3562% | 3,305 |
| Noninterest expense to average assets | 1.8902% | 3,939 |
| Loan and lease loss provision to assets | 0.0101% | 2,878 |
| Net operating income to assets | 1.1137% | 2,231 |
| Return on assets (ROA) | 1.1173% | 2,285 |
| Pretax return on assets | 1.5201% | 1,653 |
| Return on Equity (ROE) | 7.8622% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.8622% | 1,598 |
| Net charge-offs to loans | -0.0011% | 3,292 |
| Credit loss provision to net charge-offs | -1,141.6667% | 3,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3371% | 3,778 |
| Assets per employee ($millions) | 12.5493% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,449 |
| Loan loss allowance to noncurrent loans | 125.1604% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 916 |
| Noncurrent loans to loans | 0.8615% | 1,183 |
| Net loans and leases to total assets | 79.7933% | 276 |
| Net loans and leases to deposits | 93.8558% | 389 |
| Net loans and leases to core deposits | 109.9471% | 284 |
| Total domestic deposits to total assets | 85.0169% | 3,264 |
| Equity capital to assets | 13.8728% | 687 |
| Core capital (leverage) ratio | 13.9108% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,083,776,600 | 298 |
| Average earning assets | $3,902,913,800 | 289 |
| Average equity | $580,358,400 | 246 |
| Average total loans | $3,212,734,400 | 256 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 2,541 |
| Cost of funding earning assets | 0.4302% | 1,486 |
| Net interest margin | 3.1764% | 2,805 |
| Noninterest income to average assets | 0.3793% | 3,213 |
| Noninterest expense to average assets | 1.8324% | 4,101 |
| Loan and lease loss provision to assets | -0.0507% | 4,460 |
| Net operating income to assets | 1.1602% | 2,327 |
| Return on assets (ROA) | 1.1651% | 2,368 |
| Pretax return on assets | 1.6413% | 1,578 |
| Return on Equity (ROE) | 8.1461% | 3,361 |
| Retained earnings to average equity (ytd only) | 8.1461% | 2,009 |
| Net charge-offs to loans | -0.0005% | 3,078 |
| Credit loss provision to net charge-offs | 13,918.1818% | 56 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6294% | 3,853 |
| Assets per employee ($millions) | 12.1560% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 3,555 |
| Loan loss allowance to noncurrent loans | 345.0309% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 2,546 |
| Noncurrent loans to loans | 0.3117% | 2,672 |
| Net loans and leases to total assets | 78.2847% | 382 |
| Net loans and leases to deposits | 92.0418% | 491 |
| Net loans and leases to core deposits | 108.0470% | 366 |
| Total domestic deposits to total assets | 85.0534% | 3,097 |
| Equity capital to assets | 14.0962% | 716 |
| Core capital (leverage) ratio | 14.2952% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,022,345,750 | 300 |
| Average earning assets | $3,846,409,250 | 292 |
| Average equity | $575,292,750 | 246 |
| Average total loans | $3,142,841,000 | 260 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 2,604 |
| Cost of funding earning assets | 0.4703% | 1,380 |
| Net interest margin | 3.1354% | 2,942 |
| Noninterest income to average assets | 0.3420% | 3,397 |
| Noninterest expense to average assets | 1.7887% | 4,206 |
| Loan and lease loss provision to assets | -0.1306% | 4,683 |
| Net operating income to assets | 1.1989% | 2,195 |
| Return on assets (ROA) | 1.2064% | 2,241 |
| Pretax return on assets | 1.6902% | 1,504 |
| Return on Equity (ROE) | 8.3919% | 3,285 |
| Retained earnings to average equity (ytd only) | 8.3919% | 1,940 |
| Net charge-offs to loans | 0.0008% | 2,217 |
| Credit loss provision to net charge-offs | -21,575.0000% | 4,099 |
| Earnings coverage of net charge-offs (x) | 2,561.2500% | 33 |
| Efficiency ratio | 53.5711% | 3,858 |
| Assets per employee ($millions) | 11.7267% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 3,489 |
| Loan loss allowance to noncurrent loans | 292.7260% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 2,452 |
| Noncurrent loans to loans | 0.3699% | 2,571 |
| Net loans and leases to total assets | 78.5987% | 401 |
| Net loans and leases to deposits | 92.7305% | 507 |
| Net loans and leases to core deposits | 109.8002% | 364 |
| Total domestic deposits to total assets | 84.7603% | 3,195 |
| Equity capital to assets | 14.4427% | 631 |
| Core capital (leverage) ratio | 14.3694% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,965,183,000 | 303 |
| Average earning assets | $3,790,127,000 | 295 |
| Average equity | $570,000,000 | 246 |
| Average total loans | $3,084,181,333 | 264 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5779% | 2,713 |
| Cost of funding earning assets | 0.5172% | 1,288 |
| Net interest margin | 3.0608% | 3,104 |
| Noninterest income to average assets | 0.3131% | 3,532 |
| Noninterest expense to average assets | 1.7486% | 4,292 |
| Loan and lease loss provision to assets | -0.2985% | 4,857 |
| Net operating income to assets | 1.2961% | 1,839 |
| Return on assets (ROA) | 1.3111% | 1,873 |
| Pretax return on assets | 1.8094% | 1,276 |
| Return on Equity (ROE) | 9.1423% | 2,983 |
| Retained earnings to average equity (ytd only) | 9.1423% | 1,903 |
| Net charge-offs to loans | 0.0015% | 1,882 |
| Credit loss provision to net charge-offs | -26,709.0909% | 3,844 |
| Earnings coverage of net charge-offs (x) | 1,334.8182% | 63 |
| Efficiency ratio | 53.9602% | 3,784 |
| Assets per employee ($millions) | 12.1009% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,370 |
| Loan loss allowance to noncurrent loans | 286.3914% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 2,631 |
| Noncurrent loans to loans | 0.3885% | 2,701 |
| Net loans and leases to total assets | 76.7131% | 568 |
| Net loans and leases to deposits | 91.3045% | 629 |
| Net loans and leases to core deposits | 110.6896% | 391 |
| Total domestic deposits to total assets | 84.0190% | 3,427 |
| Equity capital to assets | 14.3616% | 600 |
| Core capital (leverage) ratio | 14.2856% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,936,644,500 | 303 |
| Average earning assets | $3,765,193,500 | 295 |
| Average equity | $564,539,500 | 244 |
| Average total loans | $3,028,245,500 | 269 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 2,993 |
| Cost of funding earning assets | 0.9058% | 839 |
| Net interest margin | 3.0055% | 3,869 |
| Noninterest income to average assets | 0.2523% | 3,973 |
| Noninterest expense to average assets | 1.7283% | 4,580 |
| Loan and lease loss provision to assets | 0.1291% | 2,746 |
| Net operating income to assets | 0.8995% | 2,697 |
| Return on assets (ROA) | 0.8995% | 2,829 |
| Pretax return on assets | 1.2691% | 2,085 |
| Return on Equity (ROE) | 6.4615% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.4615% | 1,606 |
| Net charge-offs to loans | 0.3717% | 465 |
| Credit loss provision to net charge-offs | 44.2723% | 3,171 |
| Earnings coverage of net charge-offs (x) | 4.7950% | 2,933 |
| Efficiency ratio | 55.2785% | 4,066 |
| Assets per employee ($millions) | 11.8309% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,687 |
| Loan loss allowance to noncurrent loans | 264.7645% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 2,546 |
| Noncurrent loans to loans | 0.4720% | 2,553 |
| Net loans and leases to total assets | 75.3088% | 863 |
| Net loans and leases to deposits | 90.3330% | 905 |
| Net loans and leases to core deposits | 113.0054% | 433 |
| Total domestic deposits to total assets | 83.3680% | 3,306 |
| Equity capital to assets | 14.3194% | 729 |
| Core capital (leverage) ratio | 12.8020% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,873,701,000 | 294 |
| Average earning assets | $3,704,601,000 | 285 |
| Average equity | $539,267,800 | 246 |
| Average total loans | $3,038,647,000 | 259 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 3,077 |
| Cost of funding earning assets | 0.9747% | 836 |
| Net interest margin | 2.9893% | 4,000 |
| Noninterest income to average assets | 0.2283% | 4,128 |
| Noninterest expense to average assets | 1.7001% | 4,627 |
| Loan and lease loss provision to assets | 0.3426% | 1,116 |
| Net operating income to assets | 0.7296% | 3,354 |
| Return on assets (ROA) | 0.7296% | 3,452 |
| Pretax return on assets | 1.0450% | 2,919 |
| Return on Equity (ROE) | 5.2793% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.2793% | 2,438 |
| Net charge-offs to loans | 0.4923% | 303 |
| Credit loss provision to net charge-offs | 88.0986% | 2,709 |
| Earnings coverage of net charge-offs (x) | 3.5682% | 2,905 |
| Efficiency ratio | 55.0603% | 4,030 |
| Assets per employee ($millions) | 12.5187% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 1,917 |
| Loan loss allowance to noncurrent loans | 281.5559% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 2,713 |
| Noncurrent loans to loans | 0.4825% | 2,618 |
| Net loans and leases to total assets | 73.2235% | 1,468 |
| Net loans and leases to deposits | 87.5799% | 1,534 |
| Net loans and leases to core deposits | 110.2072% | 696 |
| Total domestic deposits to total assets | 83.6077% | 2,951 |
| Equity capital to assets | 13.0647% | 1,155 |
| Core capital (leverage) ratio | 13.6764% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,866,080,000 | 292 |
| Average earning assets | $3,697,971,250 | 283 |
| Average equity | $534,321,250 | 247 |
| Average total loans | $3,053,957,250 | 258 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1666% | 2,859 |
| Cost of funding earning assets | 1.0891% | 733 |
| Net interest margin | 3.0775% | 3,948 |
| Noninterest income to average assets | 0.1946% | 4,303 |
| Noninterest expense to average assets | 1.8013% | 4,554 |
| Loan and lease loss provision to assets | 0.4923% | 739 |
| Net operating income to assets | 0.5964% | 3,752 |
| Return on assets (ROA) | 0.5964% | 3,829 |
| Pretax return on assets | 0.8453% | 3,463 |
| Return on Equity (ROE) | 4.2298% | 4,043 |
| Retained earnings to average equity (ytd only) | 4.2298% | 2,809 |
| Net charge-offs to loans | 0.7431% | 208 |
| Credit loss provision to net charge-offs | 82.0292% | 2,497 |
| Earnings coverage of net charge-offs (x) | 2.2289% | 2,797 |
| Efficiency ratio | 57.3873% | 3,766 |
| Assets per employee ($millions) | 11.6969% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 1,678 |
| Loan loss allowance to noncurrent loans | 525.7574% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 3,515 |
| Noncurrent loans to loans | 0.2611% | 3,447 |
| Net loans and leases to total assets | 77.1975% | 964 |
| Net loans and leases to deposits | 93.5120% | 1,005 |
| Net loans and leases to core deposits | 121.9070% | 380 |
| Total domestic deposits to total assets | 82.5536% | 3,218 |
| Equity capital to assets | 13.9096% | 875 |
| Core capital (leverage) ratio | 13.9571% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,761,021,333 | 296 |
| Average earning assets | $3,598,134,000 | 282 |
| Average equity | $530,338,333 | 249 |
| Average total loans | $3,037,334,333 | 258 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 2,538 |
| Cost of funding earning assets | 1.2060% | 759 |
| Net interest margin | 3.2158% | 3,817 |
| Noninterest income to average assets | 0.2143% | 4,266 |
| Noninterest expense to average assets | 1.8997% | 4,545 |
| Loan and lease loss provision to assets | 0.3109% | 997 |
| Net operating income to assets | 0.7568% | 3,068 |
| Return on assets (ROA) | 0.7568% | 3,145 |
| Pretax return on assets | 1.0780% | 2,591 |
| Return on Equity (ROE) | 5.3292% | 3,531 |
| Retained earnings to average equity (ytd only) | 5.3292% | 2,144 |
| Net charge-offs to loans | 1.4335% | 101 |
| Credit loss provision to net charge-offs | 26.4339% | 2,174 |
| Earnings coverage of net charge-offs (x) | 1.1809% | 2,413 |
| Efficiency ratio | 57.7650% | 4,031 |
| Assets per employee ($millions) | 11.5591% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 2,919 |
| Loan loss allowance to noncurrent loans | 383.2343% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 3,475 |
| Noncurrent loans to loans | 0.3010% | 3,422 |
| Net loans and leases to total assets | 80.9293% | 573 |
| Net loans and leases to deposits | 95.8494% | 926 |
| Net loans and leases to core deposits | 126.7088% | 321 |
| Total domestic deposits to total assets | 84.4339% | 2,621 |
| Equity capital to assets | 14.1706% | 1,012 |
| Core capital (leverage) ratio | 13.9726% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,711,544,000 | 293 |
| Average earning assets | $3,548,364,500 | 279 |
| Average equity | $527,054,000 | 252 |
| Average total loans | $3,045,361,000 | 256 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 2,259 |
| Cost of funding earning assets | 1.3173% | 737 |
| Net interest margin | 3.4065% | 3,726 |
| Noninterest income to average assets | 0.2062% | 4,426 |
| Noninterest expense to average assets | 1.9132% | 4,645 |
| Loan and lease loss provision to assets | -0.1691% | 5,112 |
| Net operating income to assets | 1.2150% | 2,004 |
| Return on assets (ROA) | 1.2150% | 2,094 |
| Pretax return on assets | 1.7106% | 1,163 |
| Return on Equity (ROE) | 8.5180% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.5180% | 830 |
| Net charge-offs to loans | -0.0014% | 4,197 |
| Credit loss provision to net charge-offs | 13,953.4884% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3789% | 4,280 |
| Assets per employee ($millions) | 11.1662% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,118 |
| Loan loss allowance to noncurrent loans | 282.4195% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 3,183 |
| Noncurrent loans to loans | 0.3781% | 3,083 |
| Net loans and leases to total assets | 81.1928% | 650 |
| Net loans and leases to deposits | 95.9156% | 950 |
| Net loans and leases to core deposits | 128.1176% | 299 |
| Total domestic deposits to total assets | 84.6503% | 2,625 |
| Equity capital to assets | 14.4016% | 965 |
| Core capital (leverage) ratio | 14.4098% | 827 |
| Tier 1 risk-based capital ratio | 19.6183% | 1,387 |
| Total risk-based capital ratio | 20.8586% | 1,360 |
| Memoranda: | ||
| Average total assets | $3,548,740,600 | 285 |
| Average earning assets | $3,384,182,200 | 275 |
| Average equity | $506,173,400 | 245 |
| Average total loans | $2,969,304,800 | 256 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7992% | 2,121 |
| Cost of funding earning assets | 1.3175% | 749 |
| Net interest margin | 3.4818% | 3,625 |
| Noninterest income to average assets | 0.2111% | 4,459 |
| Noninterest expense to average assets | 1.9201% | 4,678 |
| Loan and lease loss provision to assets | -0.1204% | 5,178 |
| Net operating income to assets | 1.2072% | 2,174 |
| Return on assets (ROA) | 1.2072% | 2,253 |
| Pretax return on assets | 1.7291% | 1,250 |
| Return on Equity (ROE) | 8.4850% | 3,118 |
| Retained earnings to average equity (ytd only) | 8.4850% | 1,209 |
| Net charge-offs to loans | -0.0013% | 4,013 |
| Credit loss provision to net charge-offs | 11,346.4286% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4132% | 4,341 |
| Assets per employee ($millions) | 10.6359% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 2,493 |
| Loan loss allowance to noncurrent loans | 170.9117% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.5748% | 2,281 |
| Noncurrent loans to loans | 0.7034% | 2,197 |
| Net loans and leases to total assets | 80.7340% | 744 |
| Net loans and leases to deposits | 95.6467% | 1,057 |
| Net loans and leases to core deposits | 131.8632% | 271 |
| Total domestic deposits to total assets | 84.4085% | 2,668 |
| Equity capital to assets | 14.5358% | 972 |
| Core capital (leverage) ratio | 14.3727% | 887 |
| Tier 1 risk-based capital ratio | 19.6687% | 1,425 |
| Total risk-based capital ratio | 20.9206% | 1,390 |
| Memoranda: | ||
| Average total assets | $3,517,505,500 | 291 |
| Average earning assets | $3,351,728,750 | 280 |
| Average equity | $500,449,250 | 249 |
| Average total loans | $2,957,891,500 | 259 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 1,868 |
| Cost of funding earning assets | 1.3027% | 732 |
| Net interest margin | 3.5609% | 3,396 |
| Noninterest income to average assets | 0.2082% | 4,494 |
| Noninterest expense to average assets | 1.9213% | 4,721 |
| Loan and lease loss provision to assets | -0.1807% | 5,244 |
| Net operating income to assets | 1.3227% | 1,686 |
| Return on assets (ROA) | 1.3227% | 1,742 |
| Pretax return on assets | 1.8600% | 913 |
| Return on Equity (ROE) | 9.3654% | 2,697 |
| Retained earnings to average equity (ytd only) | 9.3654% | 944 |
| Net charge-offs to loans | -0.0015% | 3,919 |
| Credit loss provision to net charge-offs | 14,381.8182% | 16 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3599% | 4,529 |
| Assets per employee ($millions) | 10.2302% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,598 |
| Loan loss allowance to noncurrent loans | 143.4343% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 1,983 |
| Noncurrent loans to loans | 0.8276% | 1,937 |
| Net loans and leases to total assets | 82.5673% | 531 |
| Net loans and leases to deposits | 97.5707% | 881 |
| Net loans and leases to core deposits | 130.1125% | 326 |
| Total domestic deposits to total assets | 84.6231% | 2,630 |
| Equity capital to assets | 14.4032% | 982 |
| Core capital (leverage) ratio | 14.1564% | 921 |
| Tier 1 risk-based capital ratio | 19.2189% | 1,503 |
| Total risk-based capital ratio | 20.4706% | 1,468 |
| Memoranda: | ||
| Average total assets | $3,502,335,000 | 292 |
| Average earning assets | $3,336,649,670 | 283 |
| Average equity | $494,628,330 | 249 |
| Average total loans | $2,973,333,000 | 258 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 1,775 |
| Cost of funding earning assets | 1.2546% | 755 |
| Net interest margin | 3.5933% | 3,275 |
| Noninterest income to average assets | 0.2021% | 4,546 |
| Noninterest expense to average assets | 2.0059% | 4,628 |
| Loan and lease loss provision to assets | -0.2874% | 5,320 |
| Net operating income to assets | 1.3553% | 1,511 |
| Return on assets (ROA) | 1.3553% | 1,552 |
| Pretax return on assets | 1.9064% | 787 |
| Return on Equity (ROE) | 9.6939% | 2,496 |
| Retained earnings to average equity (ytd only) | 9.6939% | 1,111 |
| Net charge-offs to loans | -0.0020% | 3,858 |
| Credit loss provision to net charge-offs | 16,713.3333% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3359% | 4,405 |
| Assets per employee ($millions) | 10.9085% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,609 |
| Loan loss allowance to noncurrent loans | 172.8621% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 2,308 |
| Noncurrent loans to loans | 0.6912% | 2,292 |
| Net loans and leases to total assets | 83.6924% | 397 |
| Net loans and leases to deposits | 100.8175% | 567 |
| Net loans and leases to core deposits | 134.5092% | 251 |
| Total domestic deposits to total assets | 83.0138% | 3,381 |
| Equity capital to assets | 14.0647% | 1,012 |
| Core capital (leverage) ratio | 13.8568% | 984 |
| Tier 1 risk-based capital ratio | 18.5695% | 1,641 |
| Total risk-based capital ratio | 19.8219% | 1,600 |
| Memoranda: | ||
| Average total assets | $3,488,792,500 | 293 |
| Average earning assets | $3,323,208,500 | 285 |
| Average equity | $487,768,500 | 253 |
| Average total loans | $2,985,422,000 | 258 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5393% | 2,334 |
| Cost of funding earning assets | 0.9017% | 1,089 |
| Net interest margin | 3.6377% | 3,261 |
| Noninterest income to average assets | 0.2506% | 4,423 |
| Noninterest expense to average assets | 2.0508% | 4,653 |
| Loan and lease loss provision to assets | 0.0244% | 3,682 |
| Net operating income to assets | 1.1811% | 2,264 |
| Return on assets (ROA) | 1.1811% | 2,258 |
| Pretax return on assets | 1.6332% | 1,367 |
| Return on Equity (ROE) | 8.6410% | 3,164 |
| Retained earnings to average equity (ytd only) | 8.6410% | 1,001 |
| Net charge-offs to loans | -0.0078% | 4,437 |
| Credit loss provision to net charge-offs | -376.6055% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3019% | 4,484 |
| Assets per employee ($millions) | 10.7607% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,156 |
| Loan loss allowance to noncurrent loans | 1,006.0654% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 4,286 |
| Noncurrent loans to loans | 0.1270% | 4,162 |
| Net loans and leases to total assets | 85.3513% | 282 |
| Net loans and leases to deposits | 101.7564% | 610 |
| Net loans and leases to core deposits | 130.7095% | 305 |
| Total domestic deposits to total assets | 83.8780% | 3,037 |
| Equity capital to assets | 13.8964% | 1,006 |
| Core capital (leverage) ratio | 13.6854% | 1,014 |
| Tier 1 risk-based capital ratio | 18.0712% | 1,737 |
| Total risk-based capital ratio | 19.3250% | 1,695 |
| Memoranda: | ||
| Average total assets | $3,366,062,400 | 297 |
| Average earning assets | $3,199,586,200 | 289 |
| Average equity | $460,107,800 | 260 |
| Average total loans | $2,787,079,200 | 266 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 2,492 |
| Cost of funding earning assets | 0.8305% | 1,192 |
| Net interest margin | 3.6118% | 3,328 |
| Noninterest income to average assets | 0.2579% | 4,431 |
| Noninterest expense to average assets | 1.9651% | 4,803 |
| Loan and lease loss provision to assets | 0.0028% | 3,913 |
| Net operating income to assets | 1.2311% | 2,119 |
| Return on assets (ROA) | 1.2311% | 2,121 |
| Pretax return on assets | 1.7213% | 1,224 |
| Return on Equity (ROE) | 9.0453% | 3,060 |
| Retained earnings to average equity (ytd only) | 9.0453% | 1,198 |
| Net charge-offs to loans | -0.0099% | 4,389 |
| Credit loss provision to net charge-offs | -33.9901% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2671% | 4,679 |
| Assets per employee ($millions) | 11.1806% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,003 |
| Loan loss allowance to noncurrent loans | 1,021.6726% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 4,449 |
| Noncurrent loans to loans | 0.1291% | 4,306 |
| Net loans and leases to total assets | 79.9160% | 1,032 |
| Net loans and leases to deposits | 94.0915% | 1,372 |
| Net loans and leases to core deposits | 119.0315% | 605 |
| Total domestic deposits to total assets | 84.9343% | 2,630 |
| Equity capital to assets | 13.3916% | 1,173 |
| Core capital (leverage) ratio | 13.5651% | 1,077 |
| Tier 1 risk-based capital ratio | 17.9421% | 1,808 |
| Total risk-based capital ratio | 19.1958% | 1,765 |
| Memoranda: | ||
| Average total assets | $3,344,033,000 | 296 |
| Average earning assets | $3,176,953,000 | 288 |
| Average equity | $455,133,000 | 259 |
| Average total loans | $2,737,264,750 | 269 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 2,434 |
| Cost of funding earning assets | 0.7670% | 1,298 |
| Net interest margin | 3.6276% | 3,210 |
| Noninterest income to average assets | 0.2502% | 4,512 |
| Noninterest expense to average assets | 1.9384% | 4,906 |
| Loan and lease loss provision to assets | 0.0042% | 3,733 |
| Net operating income to assets | 1.2508% | 1,980 |
| Return on assets (ROA) | 1.2508% | 1,978 |
| Pretax return on assets | 1.7490% | 1,097 |
| Return on Equity (ROE) | 9.1379% | 2,956 |
| Retained earnings to average equity (ytd only) | 9.1379% | 1,170 |
| Net charge-offs to loans | -0.0139% | 4,431 |
| Credit loss provision to net charge-offs | -36.7021% | 3,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5088% | 4,835 |
| Assets per employee ($millions) | 10.4978% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,917 |
| Loan loss allowance to noncurrent loans | 1,334.0950% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,589 |
| Noncurrent loans to loans | 0.1017% | 4,458 |
| Net loans and leases to total assets | 81.4133% | 785 |
| Net loans and leases to deposits | 96.4036% | 1,102 |
| Net loans and leases to core deposits | 116.1379% | 709 |
| Total domestic deposits to total assets | 84.4505% | 2,896 |
| Equity capital to assets | 13.7627% | 1,005 |
| Core capital (leverage) ratio | 13.5054% | 1,061 |
| Tier 1 risk-based capital ratio | 17.3935% | 1,969 |
| Total risk-based capital ratio | 18.6472% | 1,923 |
| Memoranda: | ||
| Average total assets | $3,292,202,670 | 297 |
| Average earning assets | $3,123,145,670 | 286 |
| Average equity | $450,630,000 | 257 |
| Average total loans | $2,704,999,000 | 270 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 2,643 |
| Cost of funding earning assets | 0.7000% | 1,446 |
| Net interest margin | 3.5684% | 3,288 |
| Noninterest income to average assets | 0.2191% | 4,693 |
| Noninterest expense to average assets | 1.9254% | 4,983 |
| Loan and lease loss provision to assets | 0.0084% | 3,408 |
| Net operating income to assets | 1.1937% | 2,031 |
| Return on assets (ROA) | 1.1937% | 2,047 |
| Pretax return on assets | 1.6680% | 1,197 |
| Return on Equity (ROE) | 8.7454% | 3,030 |
| Retained earnings to average equity (ytd only) | 8.7454% | 1,557 |
| Net charge-offs to loans | -0.0278% | 4,706 |
| Credit loss provision to net charge-offs | -37.0968% | 3,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4565% | 4,846 |
| Assets per employee ($millions) | 10.6048% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 1,885 |
| Loan loss allowance to noncurrent loans | 921.2525% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 4,472 |
| Noncurrent loans to loans | 0.1507% | 4,306 |
| Net loans and leases to total assets | 80.4739% | 877 |
| Net loans and leases to deposits | 95.8277% | 1,052 |
| Net loans and leases to core deposits | 114.9469% | 762 |
| Total domestic deposits to total assets | 83.9777% | 3,338 |
| Equity capital to assets | 13.6257% | 1,005 |
| Core capital (leverage) ratio | 13.3841% | 1,044 |
| Tier 1 risk-based capital ratio | 17.2057% | 2,054 |
| Total risk-based capital ratio | 18.4599% | 2,012 |
| Memoranda: | ||
| Average total assets | $3,269,146,000 | 297 |
| Average earning assets | $3,099,020,500 | 288 |
| Average equity | $446,224,000 | 259 |
| Average total loans | $2,679,898,000 | 271 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 3,035 |
| Cost of funding earning assets | 0.5578% | 1,894 |
| Net interest margin | 3.5487% | 3,348 |
| Noninterest income to average assets | 0.2439% | 4,674 |
| Noninterest expense to average assets | 1.9903% | 4,976 |
| Loan and lease loss provision to assets | 0.0993% | 2,242 |
| Net operating income to assets | 0.3845% | 4,741 |
| Return on assets (ROA) | 0.3884% | 4,742 |
| Pretax return on assets | 1.4973% | 1,653 |
| Return on Equity (ROE) | 2.7658% | 4,896 |
| Retained earnings to average equity (ytd only) | 2.7658% | 3,657 |
| Net charge-offs to loans | -0.0016% | 4,517 |
| Credit loss provision to net charge-offs | -7,805.0000% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5819% | 4,803 |
| Assets per employee ($millions) | 10.4186% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 1,804 |
| Loan loss allowance to noncurrent loans | 832.6453% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 4,451 |
| Noncurrent loans to loans | 0.1670% | 4,256 |
| Net loans and leases to total assets | 81.2054% | 797 |
| Net loans and leases to deposits | 96.9126% | 999 |
| Net loans and leases to core deposits | 117.3055% | 677 |
| Total domestic deposits to total assets | 83.7924% | 3,283 |
| Equity capital to assets | 13.6738% | 993 |
| Core capital (leverage) ratio | 12.6433% | 1,286 |
| Tier 1 risk-based capital ratio | 16.7607% | 2,173 |
| Total risk-based capital ratio | 18.0175% | 2,117 |
| Memoranda: | ||
| Average total assets | $3,145,171,200 | 294 |
| Average earning assets | $2,957,453,400 | 285 |
| Average equity | $441,674,600 | 245 |
| Average total loans | $2,515,495,400 | 274 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 3,254 |
| Cost of funding earning assets | 0.5370% | 1,977 |
| Net interest margin | 3.4908% | 3,535 |
| Noninterest income to average assets | 0.2397% | 4,769 |
| Noninterest expense to average assets | 1.9876% | 4,979 |
| Loan and lease loss provision to assets | 0.1047% | 2,018 |
| Net operating income to assets | 0.8520% | 3,263 |
| Return on assets (ROA) | 0.8572% | 3,295 |
| Pretax return on assets | 1.4317% | 2,005 |
| Return on Equity (ROE) | 6.0624% | 4,097 |
| Retained earnings to average equity (ytd only) | 6.0624% | 2,191 |
| Net charge-offs to loans | -0.0012% | 4,281 |
| Credit loss provision to net charge-offs | -11,145.4545% | 5,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5300% | 4,674 |
| Assets per employee ($millions) | 10.7597% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 1,891 |
| Loan loss allowance to noncurrent loans | 1,490.3028% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 4,870 |
| Noncurrent loans to loans | 0.0939% | 4,692 |
| Net loans and leases to total assets | 77.9649% | 1,277 |
| Net loans and leases to deposits | 93.3521% | 1,373 |
| Net loans and leases to core deposits | 108.5658% | 1,117 |
| Total domestic deposits to total assets | 83.5170% | 3,283 |
| Equity capital to assets | 13.7286% | 1,064 |
| Core capital (leverage) ratio | 12.9393% | 1,237 |
| Tier 1 risk-based capital ratio | 16.5556% | 2,306 |
| Total risk-based capital ratio | 17.8143% | 2,257 |
| Memoranda: | ||
| Average total assets | $3,121,417,250 | 298 |
| Average earning assets | $2,929,552,000 | 290 |
| Average equity | $441,328,750 | 246 |
| Average total loans | $2,477,290,000 | 275 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,296 |
| Cost of funding earning assets | 0.5193% | 2,019 |
| Net interest margin | 3.4584% | 3,554 |
| Noninterest income to average assets | 0.2340% | 4,834 |
| Noninterest expense to average assets | 1.9765% | 5,023 |
| Loan and lease loss provision to assets | 0.0290% | 3,416 |
| Net operating income to assets | 0.8786% | 3,024 |
| Return on assets (ROA) | 0.8859% | 3,046 |
| Pretax return on assets | 1.4799% | 1,720 |
| Return on Equity (ROE) | 6.2014% | 3,957 |
| Retained earnings to average equity (ytd only) | 6.2014% | 2,016 |
| Net charge-offs to loans | -0.0005% | 4,117 |
| Credit loss provision to net charge-offs | -7,416.6667% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8927% | 4,724 |
| Assets per employee ($millions) | 10.0238% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 2,182 |
| Loan loss allowance to noncurrent loans | 1,567.1982% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 4,926 |
| Noncurrent loans to loans | 0.0860% | 4,785 |
| Net loans and leases to total assets | 78.4701% | 1,168 |
| Net loans and leases to deposits | 94.1199% | 1,249 |
| Net loans and leases to core deposits | 108.1699% | 1,100 |
| Total domestic deposits to total assets | 83.3726% | 3,441 |
| Equity capital to assets | 13.8820% | 1,007 |
| Core capital (leverage) ratio | 12.9688% | 1,187 |
| Tier 1 risk-based capital ratio | 16.4783% | 2,331 |
| Total risk-based capital ratio | 17.7367% | 2,277 |
| Memoranda: | ||
| Average total assets | $3,064,404,670 | 306 |
| Average earning assets | $2,870,981,330 | 292 |
| Average equity | $437,769,330 | 250 |
| Average total loans | $2,435,259,670 | 280 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 3,174 |
| Cost of funding earning assets | 0.5063% | 2,036 |
| Net interest margin | 3.4538% | 3,436 |
| Noninterest income to average assets | 0.2336% | 4,871 |
| Noninterest expense to average assets | 1.9687% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8933% | 2,798 |
| Return on assets (ROA) | 0.9079% | 2,774 |
| Pretax return on assets | 1.5171% | 1,483 |
| Return on Equity (ROE) | 6.2606% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.2606% | 2,209 |
| Net charge-offs to loans | -0.0003% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8506% | 4,851 |
| Assets per employee ($millions) | 9.6431% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 2,098 |
| Loan loss allowance to noncurrent loans | 526.2089% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 4,367 |
| Noncurrent loans to loans | 0.2652% | 4,164 |
| Net loans and leases to total assets | 79.2341% | 943 |
| Net loans and leases to deposits | 95.8221% | 944 |
| Net loans and leases to core deposits | 111.1471% | 819 |
| Total domestic deposits to total assets | 82.6888% | 3,952 |
| Equity capital to assets | 14.4527% | 771 |
| Core capital (leverage) ratio | 12.9905% | 1,145 |
| Tier 1 risk-based capital ratio | 16.7934% | 2,250 |
| Total risk-based capital ratio | 18.0531% | 2,215 |
| Memoranda: | ||
| Average total assets | $2,992,794,500 | 313 |
| Average earning assets | $2,798,327,000 | 302 |
| Average equity | $434,013,500 | 253 |
| Average total loans | $2,377,175,500 | 289 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 4,341 |
| Cost of funding earning assets | 0.5036% | 2,062 |
| Net interest margin | 3.1558% | 4,576 |
| Noninterest income to average assets | 0.2097% | 5,162 |
| Noninterest expense to average assets | 2.0290% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7352% | 3,618 |
| Return on assets (ROA) | 0.7363% | 3,722 |
| Pretax return on assets | 1.1201% | 3,016 |
| Return on Equity (ROE) | 5.0321% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.0321% | 2,322 |
| Net charge-offs to loans | -0.0443% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4638% | 3,858 |
| Assets per employee ($millions) | 9.3894% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,829 |
| Loan loss allowance to noncurrent loans | 303.1973% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 3,757 |
| Noncurrent loans to loans | 0.4824% | 3,424 |
| Net loans and leases to total assets | 77.3348% | 1,308 |
| Net loans and leases to deposits | 93.9471% | 1,200 |
| Net loans and leases to core deposits | 106.9425% | 1,070 |
| Total domestic deposits to total assets | 82.3174% | 3,987 |
| Equity capital to assets | 14.5523% | 718 |
| Core capital (leverage) ratio | 12.8083% | 1,209 |
| Tier 1 risk-based capital ratio | 16.8441% | 2,214 |
| Total risk-based capital ratio | 18.1120% | 2,154 |
| Memoranda: | ||
| Average total assets | $2,874,891,800 | 310 |
| Average earning assets | $2,676,271,000 | 296 |
| Average equity | $420,663,200 | 248 |
| Average total loans | $2,159,137,000 | 291 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 4,610 |
| Cost of funding earning assets | 0.5046% | 2,061 |
| Net interest margin | 3.0750% | 4,843 |
| Noninterest income to average assets | 0.2123% | 5,197 |
| Noninterest expense to average assets | 2.0159% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6426% | 4,113 |
| Return on assets (ROA) | 0.6446% | 4,231 |
| Pretax return on assets | 1.0602% | 3,393 |
| Return on Equity (ROE) | 4.3988% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.3988% | 3,208 |
| Net charge-offs to loans | -0.0315% | 5,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5975% | 3,662 |
| Assets per employee ($millions) | 9.5855% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 1,819 |
| Loan loss allowance to noncurrent loans | 4,730.7910% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 5,410 |
| Noncurrent loans to loans | 0.0314% | 5,255 |
| Net loans and leases to total assets | 76.3147% | 1,476 |
| Net loans and leases to deposits | 92.8447% | 1,390 |
| Net loans and leases to core deposits | 105.2393% | 1,258 |
| Total domestic deposits to total assets | 82.1960% | 3,879 |
| Equity capital to assets | 14.6230% | 834 |
| Core capital (leverage) ratio | 12.7471% | 1,294 |
| Tier 1 risk-based capital ratio | 17.1773% | 2,176 |
| Total risk-based capital ratio | 18.4462% | 2,123 |
| Memoranda: | ||
| Average total assets | $2,854,201,750 | 310 |
| Average earning assets | $2,655,418,000 | 298 |
| Average equity | $418,227,250 | 249 |
| Average total loans | $2,118,610,750 | 295 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4629% | 4,954 |
| Cost of funding earning assets | 0.4967% | 2,125 |
| Net interest margin | 2.9661% | 5,139 |
| Noninterest income to average assets | 0.2141% | 5,210 |
| Noninterest expense to average assets | 1.9243% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6349% | 4,120 |
| Return on assets (ROA) | 0.6347% | 4,263 |
| Pretax return on assets | 1.0464% | 3,409 |
| Return on Equity (ROE) | 4.3287% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.3287% | 3,163 |
| Net charge-offs to loans | -0.0481% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7697% | 3,885 |
| Assets per employee ($millions) | 9.7106% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 1,700 |
| Loan loss allowance to noncurrent loans | 4,587.8082% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,491 |
| Noncurrent loans to loans | 0.0337% | 5,334 |
| Net loans and leases to total assets | 74.0356% | 1,830 |
| Net loans and leases to deposits | 89.9986% | 1,758 |
| Net loans and leases to core deposits | 102.4998% | 1,435 |
| Total domestic deposits to total assets | 82.2631% | 3,918 |
| Equity capital to assets | 14.6062% | 844 |
| Core capital (leverage) ratio | 12.8590% | 1,209 |
| Tier 1 risk-based capital ratio | 17.3865% | 2,102 |
| Total risk-based capital ratio | 18.6574% | 2,060 |
| Memoranda: | ||
| Average total assets | $2,834,271,330 | 308 |
| Average earning assets | $2,634,341,000 | 296 |
| Average equity | $415,598,670 | 250 |
| Average total loans | $2,072,381,670 | 298 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3815% | 5,165 |
| Cost of funding earning assets | 0.4869% | 2,205 |
| Net interest margin | 2.8946% | 5,331 |
| Noninterest income to average assets | 0.1895% | 5,373 |
| Noninterest expense to average assets | 1.9246% | 5,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5824% | 4,263 |
| Return on assets (ROA) | 0.5842% | 4,370 |
| Pretax return on assets | 0.9554% | 3,644 |
| Return on Equity (ROE) | 3.9760% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.9760% | 3,506 |
| Net charge-offs to loans | -0.0026% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8927% | 3,648 |
| Assets per employee ($millions) | 9.3514% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,706 |
| Loan loss allowance to noncurrent loans | 410.9313% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 4,407 |
| Noncurrent loans to loans | 0.3829% | 4,070 |
| Net loans and leases to total assets | 74.0939% | 1,714 |
| Net loans and leases to deposits | 90.8946% | 1,472 |
| Net loans and leases to core deposits | 104.4573% | 1,163 |
| Total domestic deposits to total assets | 81.5163% | 4,354 |
| Equity capital to assets | 14.9132% | 710 |
| Core capital (leverage) ratio | 12.8989% | 1,196 |
| Tier 1 risk-based capital ratio | 18.1207% | 1,954 |
| Total risk-based capital ratio | 19.3945% | 1,911 |
| Memoranda: | ||
| Average total assets | $2,809,381,500 | 308 |
| Average earning assets | $2,608,409,000 | 295 |
| Average equity | $412,773,000 | 251 |
| Average total loans | $2,024,215,000 | 298 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4819% | 4,966 |
| Cost of funding earning assets | 0.4666% | 2,468 |
| Net interest margin | 3.0153% | 5,103 |
| Noninterest income to average assets | 0.2529% | 5,080 |
| Noninterest expense to average assets | 2.0404% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5994% | 4,269 |
| Return on assets (ROA) | 0.6012% | 4,362 |
| Pretax return on assets | 0.9769% | 3,552 |
| Return on Equity (ROE) | 3.6696% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.6696% | 3,444 |
| Net charge-offs to loans | -0.3401% | 6,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6838% | 3,627 |
| Assets per employee ($millions) | 9.6627% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 1,372 |
| Loan loss allowance to noncurrent loans | 424.9485% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 4,491 |
| Noncurrent loans to loans | 0.3980% | 4,030 |
| Net loans and leases to total assets | 67.7332% | 2,743 |
| Net loans and leases to deposits | 82.6780% | 2,514 |
| Net loans and leases to core deposits | 94.0533% | 2,043 |
| Total domestic deposits to total assets | 81.9241% | 4,186 |
| Equity capital to assets | 14.4796% | 775 |
| Core capital (leverage) ratio | 12.8911% | 1,189 |
| Tier 1 risk-based capital ratio | 18.3557% | 1,869 |
| Total risk-based capital ratio | 19.6408% | 1,809 |
| Memoranda: | ||
| Average total assets | $2,461,292,600 | 325 |
| Average earning assets | $2,254,322,800 | 321 |
| Average equity | $403,231,000 | 243 |
| Average total loans | $1,759,849,200 | 310 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 4,893 |
| Cost of funding earning assets | 0.4122% | 3,096 |
| Net interest margin | 3.1248% | 4,897 |
| Noninterest income to average assets | 0.2502% | 5,145 |
| Noninterest expense to average assets | 2.0402% | 5,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6506% | 4,128 |
| Return on assets (ROA) | 0.6524% | 4,231 |
| Pretax return on assets | 1.0631% | 3,361 |
| Return on Equity (ROE) | 3.8486% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.8486% | 3,730 |
| Net charge-offs to loans | -0.5034% | 6,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8019% | 3,927 |
| Assets per employee ($millions) | 9.0480% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 1,200 |
| Loan loss allowance to noncurrent loans | 2,863.3020% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 5,591 |
| Noncurrent loans to loans | 0.0640% | 5,362 |
| Net loans and leases to total assets | 69.7949% | 2,419 |
| Net loans and leases to deposits | 87.0606% | 2,017 |
| Net loans and leases to core deposits | 100.3454% | 1,481 |
| Total domestic deposits to total assets | 80.1681% | 4,704 |
| Equity capital to assets | 15.8798% | 578 |
| Core capital (leverage) ratio | 14.2887% | 790 |
| Tier 1 risk-based capital ratio | 19.0778% | 1,753 |
| Total risk-based capital ratio | 20.3365% | 1,719 |
| Memoranda: | ||
| Average total assets | $2,368,824,000 | 344 |
| Average earning assets | $2,160,661,000 | 338 |
| Average equity | $401,553,250 | 248 |
| Average total loans | $1,712,153,000 | 319 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 5,000 |
| Cost of funding earning assets | 0.4087% | 3,181 |
| Net interest margin | 3.0844% | 5,002 |
| Noninterest income to average assets | 0.2728% | 4,995 |
| Noninterest expense to average assets | 2.0650% | 5,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6244% | 4,240 |
| Return on assets (ROA) | 0.6271% | 4,340 |
| Pretax return on assets | 1.0177% | 3,509 |
| Return on Equity (ROE) | 3.6145% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.6145% | 3,726 |
| Net charge-offs to loans | -0.7720% | 6,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0797% | 3,822 |
| Assets per employee ($millions) | 8.3407% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9445% | 1,080 |
| Loan loss allowance to noncurrent loans | 3,350.2503% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 5,690 |
| Noncurrent loans to loans | 0.0580% | 5,502 |
| Net loans and leases to total assets | 73.3163% | 1,768 |
| Net loans and leases to deposits | 93.8575% | 1,165 |
| Net loans and leases to core deposits | 108.7601% | 908 |
| Total domestic deposits to total assets | 78.1145% | 5,260 |
| Equity capital to assets | 17.5037% | 377 |
| Core capital (leverage) ratio | 14.5847% | 692 |
| Tier 1 risk-based capital ratio | 19.8518% | 1,585 |
| Total risk-based capital ratio | 21.1120% | 1,540 |
| Memoranda: | ||
| Average total assets | $2,301,892,670 | 346 |
| Average earning assets | $2,093,855,330 | 343 |
| Average equity | $399,387,670 | 252 |
| Average total loans | $1,673,892,670 | 326 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3387% | 5,351 |
| Cost of funding earning assets | 0.4172% | 3,111 |
| Net interest margin | 2.9215% | 5,403 |
| Noninterest income to average assets | 0.2999% | 4,775 |
| Noninterest expense to average assets | 2.0226% | 5,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5774% | 4,374 |
| Return on assets (ROA) | 0.5828% | 4,456 |
| Pretax return on assets | 0.9413% | 3,735 |
| Return on Equity (ROE) | 3.3741% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.3741% | 3,956 |
| Net charge-offs to loans | -0.0162% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4365% | 3,750 |
| Assets per employee ($millions) | 8.4986% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 2,032 |
| Loan loss allowance to noncurrent loans | 1,054.7332% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 5,508 |
| Noncurrent loans to loans | 0.1523% | 5,235 |
| Net loans and leases to total assets | 72.2877% | 1,762 |
| Net loans and leases to deposits | 92.3492% | 1,147 |
| Net loans and leases to core deposits | 103.6008% | 1,089 |
| Total domestic deposits to total assets | 78.2765% | 5,400 |
| Equity capital to assets | 17.4212% | 386 |
| Core capital (leverage) ratio | 14.6507% | 661 |
| Tier 1 risk-based capital ratio | 20.5032% | 1,526 |
| Total risk-based capital ratio | 21.7600% | 1,490 |
| Memoranda: | ||
| Average total assets | $2,301,828,500 | 345 |
| Average earning assets | $2,092,218,500 | 344 |
| Average equity | $397,612,000 | 250 |
| Average total loans | $1,650,226,500 | 329 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 5,175 |
| Cost of funding earning assets | 0.4190% | 3,489 |
| Net interest margin | 3.1477% | 5,077 |
| Noninterest income to average assets | 0.2272% | 5,499 |
| Noninterest expense to average assets | 2.2333% | 5,275 |
| Loan and lease loss provision to assets | 0.0138% | 4,339 |
| Net operating income to assets | 0.4960% | 4,826 |
| Return on assets (ROA) | 0.4993% | 4,903 |
| Pretax return on assets | 0.8253% | 4,167 |
| Return on Equity (ROE) | 2.7775% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.7775% | 4,264 |
| Net charge-offs to loans | 0.5640% | 719 |
| Credit loss provision to net charge-offs | 3.4724% | 4,173 |
| Earnings coverage of net charge-offs (x) | 2.0978% | 4,247 |
| Efficiency ratio | 72.8109% | 3,068 |
| Assets per employee ($millions) | 8.5481% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 1,852 |
| Loan loss allowance to noncurrent loans | 903.8822% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 5,513 |
| Noncurrent loans to loans | 0.1851% | 5,171 |
| Net loans and leases to total assets | 68.7885% | 2,442 |
| Net loans and leases to deposits | 87.6742% | 1,776 |
| Net loans and leases to core deposits | 98.6234% | 1,497 |
| Total domestic deposits to total assets | 78.4592% | 5,357 |
| Equity capital to assets | 17.0901% | 406 |
| Core capital (leverage) ratio | 13.8436% | 854 |
| Tier 1 risk-based capital ratio | 19.7629% | 1,647 |
| Total risk-based capital ratio | 21.0206% | 1,618 |
| Memoranda: | ||
| Average total assets | $2,158,710,400 | 348 |
| Average earning assets | $1,947,762,000 | 349 |
| Average equity | $388,051,200 | 238 |
| Average total loans | $1,521,709,600 | 327 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5987% | 5,141 |
| Cost of funding earning assets | 0.4139% | 3,642 |
| Net interest margin | 3.1848% | 5,013 |
| Noninterest income to average assets | 0.2389% | 5,495 |
| Noninterest expense to average assets | 2.2084% | 5,332 |
| Loan and lease loss provision to assets | 0.0121% | 4,178 |
| Net operating income to assets | 0.6296% | 4,309 |
| Return on assets (ROA) | 0.6296% | 4,409 |
| Pretax return on assets | 0.8858% | 4,052 |
| Return on Equity (ROE) | 3.4560% | 5,381 |
| Retained earnings to average equity (ytd only) | 3.4560% | 4,169 |
| Net charge-offs to loans | 0.5045% | 764 |
| Credit loss provision to net charge-offs | 3.3862% | 3,772 |
| Earnings coverage of net charge-offs (x) | 2.5194% | 3,892 |
| Efficiency ratio | 71.0965% | 3,328 |
| Assets per employee ($millions) | 8.4471% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 1,590 |
| Loan loss allowance to noncurrent loans | 484.0721% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 5,176 |
| Noncurrent loans to loans | 0.3808% | 4,771 |
| Net loans and leases to total assets | 69.6079% | 2,255 |
| Net loans and leases to deposits | 88.7380% | 1,584 |
| Net loans and leases to core deposits | 101.5231% | 1,251 |
| Total domestic deposits to total assets | 78.4420% | 5,445 |
| Equity capital to assets | 17.2213% | 402 |
| Core capital (leverage) ratio | 13.7433% | 914 |
| Tier 1 risk-based capital ratio | 19.4818% | 1,785 |
| Total risk-based capital ratio | 20.7418% | 1,752 |
| Memoranda: | ||
| Average total assets | $2,121,388,250 | 352 |
| Average earning assets | $1,909,924,000 | 351 |
| Average equity | $386,454,000 | 238 |
| Average total loans | $1,498,475,750 | 328 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 5,020 |
| Cost of funding earning assets | 0.3936% | 3,938 |
| Net interest margin | 3.2534% | 4,767 |
| Noninterest income to average assets | 0.2033% | 5,741 |
| Noninterest expense to average assets | 2.3062% | 5,131 |
| Loan and lease loss provision to assets | -0.0208% | 6,248 |
| Net operating income to assets | 0.6439% | 4,132 |
| Return on assets (ROA) | 0.6439% | 4,230 |
| Pretax return on assets | 0.8384% | 4,125 |
| Return on Equity (ROE) | 3.4651% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.4651% | 3,997 |
| Net charge-offs to loans | -0.1932% | 6,332 |
| Credit loss provision to net charge-offs | 15.2590% | 3,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8268% | 3,003 |
| Assets per employee ($millions) | 8.4243% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3709% | 838 |
| Loan loss allowance to noncurrent loans | 4,395.9036% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 6,096 |
| Noncurrent loans to loans | 0.0539% | 5,880 |
| Net loans and leases to total assets | 67.3010% | 2,533 |
| Net loans and leases to deposits | 86.0873% | 1,808 |
| Net loans and leases to core deposits | 98.8721% | 1,381 |
| Total domestic deposits to total assets | 78.1777% | 5,604 |
| Equity capital to assets | 17.4377% | 373 |
| Core capital (leverage) ratio | 14.1131% | 801 |
| Tier 1 risk-based capital ratio | 20.0752% | 1,668 |
| Total risk-based capital ratio | 21.3426% | 1,638 |
| Memoranda: | ||
| Average total assets | $2,068,277,330 | 357 |
| Average earning assets | $1,856,635,000 | 357 |
| Average equity | $384,349,000 | 235 |
| Average total loans | $1,458,842,670 | 327 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 4,794 |
| Cost of funding earning assets | 0.3495% | 4,546 |
| Net interest margin | 3.3654% | 4,272 |
| Noninterest income to average assets | 0.1704% | 5,951 |
| Noninterest expense to average assets | 2.5574% | 4,421 |
| Loan and lease loss provision to assets | -0.1547% | 6,536 |
| Net operating income to assets | 0.4914% | 4,733 |
| Return on assets (ROA) | 0.4914% | 4,811 |
| Pretax return on assets | 0.7749% | 4,202 |
| Return on Equity (ROE) | 2.5558% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.5558% | 4,533 |
| Net charge-offs to loans | -0.0364% | 5,668 |
| Credit loss provision to net charge-offs | 595.3488% | 478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4804% | 2,135 |
| Assets per employee ($millions) | 7.6690% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3696% | 944 |
| Loan loss allowance to noncurrent loans | 2,525.7289% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 6,074 |
| Noncurrent loans to loans | 0.0938% | 5,843 |
| Net loans and leases to total assets | 68.9534% | 2,065 |
| Net loans and leases to deposits | 91.0961% | 1,029 |
| Net loans and leases to core deposits | 103.8202% | 871 |
| Total domestic deposits to total assets | 75.6930% | 6,101 |
| Equity capital to assets | 18.5289% | 289 |
| Core capital (leverage) ratio | 15.3433% | 560 |
| Tier 1 risk-based capital ratio | 20.4031% | 1,617 |
| Total risk-based capital ratio | 21.6706% | 1,579 |
| Memoranda: | ||
| Average total assets | $1,986,197,500 | 368 |
| Average earning assets | $1,774,873,000 | 371 |
| Average equity | $381,880,500 | 237 |
| Average total loans | $1,418,794,500 | 334 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 4,908 |
| Cost of funding earning assets | 0.3913% | 4,743 |
| Net interest margin | 3.3787% | 4,368 |
| Noninterest income to average assets | 0.2872% | 5,304 |
| Noninterest expense to average assets | 3.2713% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 6.7911% | 35 |
| Return on assets (ROA) | 6.8064% | 35 |
| Pretax return on assets | 0.1510% | 6,014 |
| Return on Equity (ROE) | 36.9030% | 35 |
| Retained earnings to average equity (ytd only) | 36.9030% | 17 |
| Net charge-offs to loans | -0.1047% | 6,484 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0157% | 638 |
| Assets per employee ($millions) | 6.8164% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5664% | 760 |
| Loan loss allowance to noncurrent loans | 2,823.3600% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 6,159 |
| Noncurrent loans to loans | 0.0909% | 5,944 |
| Net loans and leases to total assets | 70.4543% | 1,943 |
| Net loans and leases to deposits | 94.3444% | 854 |
| Net loans and leases to core deposits | 106.4160% | 772 |
| Total domestic deposits to total assets | 74.6778% | 6,232 |
| Equity capital to assets | 19.9865% | 210 |
| Core capital (leverage) ratio | 16.8862% | 386 |
| Tier 1 risk-based capital ratio | 20.7527% | 1,475 |
| Total risk-based capital ratio | 22.0216% | 1,449 |
| Memoranda: | ||
| Average total assets | $1,603,021,600 | 432 |
| Average earning assets | $1,480,181,200 | 420 |
| Average equity | $295,661,800 | 279 |
| Average total loans | $1,167,773,400 | 380 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 5,062 |
| Cost of funding earning assets | 0.3825% | 4,970 |
| Net interest margin | 3.3567% | 4,442 |
| Noninterest income to average assets | 0.3278% | 5,066 |
| Noninterest expense to average assets | 3.0778% | 2,734 |
| Loan and lease loss provision to assets | 0.0457% | 4,095 |
| Net operating income to assets | 0.4029% | 5,238 |
| Return on assets (ROA) | 0.4202% | 5,306 |
| Pretax return on assets | 0.3572% | 5,724 |
| Return on Equity (ROE) | 2.3393% | 5,841 |
| Retained earnings to average equity (ytd only) | 2.3393% | 4,927 |
| Net charge-offs to loans | -0.0390% | 6,228 |
| Credit loss provision to net charge-offs | -160.7362% | 5,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8665% | 1,096 |
| Assets per employee ($millions) | 5.6711% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7931% | 676 |
| Loan loss allowance to noncurrent loans | 2,704.8025% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 6,201 |
| Noncurrent loans to loans | 0.1033% | 6,021 |
| Net loans and leases to total assets | 74.1486% | 1,278 |
| Net loans and leases to deposits | 95.9672% | 688 |
| Net loans and leases to core deposits | 103.0168% | 933 |
| Total domestic deposits to total assets | 77.2646% | 6,007 |
| Equity capital to assets | 16.7159% | 447 |
| Core capital (leverage) ratio | 17.8499% | 310 |
| Tier 1 risk-based capital ratio | 22.7731% | 1,184 |
| Total risk-based capital ratio | 24.0436% | 1,159 |
| Memoranda: | ||
| Average total assets | $1,528,334,000 | 452 |
| Average earning assets | $1,427,622,750 | 436 |
| Average equity | $274,553,000 | 298 |
| Average total loans | $1,115,923,750 | 398 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 5,149 |
| Cost of funding earning assets | 0.3768% | 5,172 |
| Net interest margin | 3.3210% | 4,482 |
| Noninterest income to average assets | 0.3806% | 4,665 |
| Noninterest expense to average assets | 3.0978% | 2,666 |
| Loan and lease loss provision to assets | 0.0957% | 3,192 |
| Net operating income to assets | 0.3812% | 5,290 |
| Return on assets (ROA) | 0.4079% | 5,352 |
| Pretax return on assets | 0.3111% | 5,848 |
| Return on Equity (ROE) | 2.2144% | 5,876 |
| Retained earnings to average equity (ytd only) | 2.2144% | 4,863 |
| Net charge-offs to loans | -0.0398% | 6,185 |
| Credit loss provision to net charge-offs | -335.2113% | 5,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0692% | 1,124 |
| Assets per employee ($millions) | 5.2022% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1845% | 484 |
| Loan loss allowance to noncurrent loans | 2,655.2352% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 6,240 |
| Noncurrent loans to loans | 0.1199% | 6,030 |
| Net loans and leases to total assets | 69.8031% | 1,918 |
| Net loans and leases to deposits | 91.6002% | 1,002 |
| Net loans and leases to core deposits | 99.8935% | 1,085 |
| Total domestic deposits to total assets | 76.2041% | 6,232 |
| Equity capital to assets | 17.8037% | 337 |
| Core capital (leverage) ratio | 18.8633% | 239 |
| Tier 1 risk-based capital ratio | 26.7493% | 714 |
| Total risk-based capital ratio | 28.0261% | 701 |
| Memoranda: | ||
| Average total assets | $1,491,458,330 | 457 |
| Average earning assets | $1,391,009,330 | 441 |
| Average equity | $274,748,330 | 295 |
| Average total loans | $1,071,169,670 | 404 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7141% | 5,113 |
| Cost of funding earning assets | 0.3778% | 5,304 |
| Net interest margin | 3.3364% | 4,373 |
| Noninterest income to average assets | 0.3574% | 4,809 |
| Noninterest expense to average assets | 3.1874% | 2,388 |
| Loan and lease loss provision to assets | 0.0803% | 3,307 |
| Net operating income to assets | 0.1961% | 5,909 |
| Return on assets (ROA) | 0.1985% | 6,006 |
| Pretax return on assets | 0.1985% | 6,081 |
| Return on Equity (ROE) | 1.0592% | 6,207 |
| Retained earnings to average equity (ytd only) | 1.0592% | 5,426 |
| Net charge-offs to loans | -0.0836% | 6,367 |
| Credit loss provision to net charge-offs | -133.9367% | 5,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0222% | 980 |
| Assets per employee ($millions) | 4.8088% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2552% | 516 |
| Loan loss allowance to noncurrent loans | 203.8366% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1645% | 3,622 |
| Noncurrent loans to loans | 1.5970% | 3,144 |
| Net loans and leases to total assets | 70.5480% | 1,574 |
| Net loans and leases to deposits | 91.8707% | 813 |
| Net loans and leases to core deposits | 99.8430% | 957 |
| Total domestic deposits to total assets | 76.7905% | 6,268 |
| Equity capital to assets | 18.9770% | 271 |
| Core capital (leverage) ratio | 18.7679% | 245 |
| Tier 1 risk-based capital ratio | 27.2500% | 683 |
| Total risk-based capital ratio | 28.5281% | 675 |
| Memoranda: | ||
| Average total assets | $1,475,071,500 | 462 |
| Average earning assets | $1,373,351,000 | 448 |
| Average equity | $276,438,000 | 297 |
| Average total loans | $1,057,276,000 | 410 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 5,810 |
| Cost of funding earning assets | 0.5372% | 4,934 |
| Net interest margin | 3.2689% | 5,365 |
| Noninterest income to average assets | 0.5261% | 3,738 |
| Noninterest expense to average assets | 2.9461% | 3,480 |
| Loan and lease loss provision to assets | -0.0033% | 6,813 |
| Net operating income to assets | 0.5256% | 4,576 |
| Return on assets (ROA) | 0.5514% | 4,722 |
| Pretax return on assets | 0.6326% | 4,878 |
| Return on Equity (ROE) | 2.9073% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.9073% | 4,183 |
| Net charge-offs to loans | 0.3669% | 2,797 |
| Credit loss provision to net charge-offs | -1.3738% | 6,196 |
| Earnings coverage of net charge-offs (x) | 2.4751% | 4,174 |
| Efficiency ratio | 83.0906% | 1,736 |
| Assets per employee ($millions) | 5.1843% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2384% | 530 |
| Loan loss allowance to noncurrent loans | 248.3163% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 4,197 |
| Noncurrent loans to loans | 1.3041% | 3,656 |
| Net loans and leases to total assets | 68.1790% | 2,155 |
| Net loans and leases to deposits | 88.1905% | 1,247 |
| Net loans and leases to core deposits | 95.7642% | 1,326 |
| Total domestic deposits to total assets | 77.3088% | 6,190 |
| Equity capital to assets | 18.5100% | 290 |
| Core capital (leverage) ratio | 18.6257% | 249 |
| Tier 1 risk-based capital ratio | 27.9340% | 633 |
| Total risk-based capital ratio | 29.2130% | 615 |
| Memoranda: | ||
| Average total assets | $1,442,428,800 | 469 |
| Average earning assets | $1,332,385,200 | 457 |
| Average equity | $273,584,800 | 296 |
| Average total loans | $952,223,400 | 438 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 6,074 |
| Cost of funding earning assets | 0.5456% | 5,123 |
| Net interest margin | 3.2320% | 5,608 |
| Noninterest income to average assets | 0.5804% | 3,403 |
| Noninterest expense to average assets | 2.6292% | 4,640 |
| Loan and lease loss provision to assets | 0.0214% | 5,528 |
| Net operating income to assets | 0.9090% | 2,938 |
| Return on assets (ROA) | 0.9315% | 3,056 |
| Pretax return on assets | 0.9315% | 3,990 |
| Return on Equity (ROE) | 4.8805% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.8805% | 3,452 |
| Net charge-offs to loans | 0.6265% | 1,755 |
| Credit loss provision to net charge-offs | 5.2789% | 5,124 |
| Earnings coverage of net charge-offs (x) | 2.2901% | 4,125 |
| Efficiency ratio | 73.8604% | 3,008 |
| Assets per employee ($millions) | 5.0569% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3312% | 536 |
| Loan loss allowance to noncurrent loans | 136.1526% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.6886% | 3,054 |
| Noncurrent loans to loans | 2.4467% | 2,350 |
| Net loans and leases to total assets | 66.7182% | 2,515 |
| Net loans and leases to deposits | 88.8279% | 1,267 |
| Net loans and leases to core deposits | 97.8744% | 1,272 |
| Total domestic deposits to total assets | 75.1096% | 6,504 |
| Equity capital to assets | 19.1687% | 288 |
| Core capital (leverage) ratio | 19.2099% | 242 |
| Tier 1 risk-based capital ratio | 29.3210% | 562 |
| Total risk-based capital ratio | 30.6007% | 556 |
| Memoranda: | ||
| Average total assets | $1,429,765,000 | 467 |
| Average earning assets | $1,317,943,500 | 460 |
| Average equity | $272,888,500 | 298 |
| Average total loans | $927,269,500 | 446 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 6,166 |
| Cost of funding earning assets | 0.5493% | 5,311 |
| Net interest margin | 3.2389% | 5,624 |
| Noninterest income to average assets | 0.4356% | 4,396 |
| Noninterest expense to average assets | 2.2456% | 5,890 |
| Loan and lease loss provision to assets | 0.0404% | 5,165 |
| Net operating income to assets | 1.1282% | 1,951 |
| Return on assets (ROA) | 1.1292% | 2,164 |
| Pretax return on assets | 1.1292% | 3,196 |
| Return on Equity (ROE) | 5.9248% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.9248% | 2,753 |
| Net charge-offs to loans | 0.7689% | 1,432 |
| Credit loss provision to net charge-offs | 8.2828% | 4,757 |
| Earnings coverage of net charge-offs (x) | 2.3960% | 3,799 |
| Efficiency ratio | 65.7734% | 4,574 |
| Assets per employee ($millions) | 5.0602% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5564% | 473 |
| Loan loss allowance to noncurrent loans | 215.3947% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 1.1323% | 4,125 |
| Noncurrent loans to loans | 1.6511% | 3,428 |
| Net loans and leases to total assets | 66.1406% | 2,642 |
| Net loans and leases to deposits | 88.6968% | 1,293 |
| Net loans and leases to core deposits | 97.9905% | 1,277 |
| Total domestic deposits to total assets | 74.5693% | 6,627 |
| Equity capital to assets | 19.5709% | 250 |
| Core capital (leverage) ratio | 19.4038% | 226 |
| Tier 1 risk-based capital ratio | 29.7696% | 529 |
| Total risk-based capital ratio | 31.0514% | 519 |
| Memoranda: | ||
| Average total assets | $1,420,887,330 | 472 |
| Average earning assets | $1,306,664,670 | 465 |
| Average equity | $270,794,000 | 297 |
| Average total loans | $901,303,670 | 458 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7557% | 6,336 |
| Cost of funding earning assets | 0.5491% | 5,504 |
| Net interest margin | 3.2066% | 5,766 |
| Noninterest income to average assets | 0.3581% | 5,008 |
| Noninterest expense to average assets | 2.6891% | 4,464 |
| Loan and lease loss provision to assets | 0.0424% | 4,862 |
| Net operating income to assets | 0.5649% | 4,519 |
| Return on assets (ROA) | 0.5668% | 4,733 |
| Pretax return on assets | 0.5668% | 5,220 |
| Return on Equity (ROE) | 3.0145% | 5,711 |
| Retained earnings to average equity (ytd only) | 3.0145% | 4,745 |
| Net charge-offs to loans | 1.7611% | 541 |
| Credit loss provision to net charge-offs | 3.9518% | 3,966 |
| Earnings coverage of net charge-offs (x) | 0.5663% | 4,053 |
| Efficiency ratio | 81.5783% | 1,991 |
| Assets per employee ($millions) | 5.1781% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8270% | 428 |
| Loan loss allowance to noncurrent loans | 204.3039% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1918% | 4,136 |
| Noncurrent loans to loans | 1.8732% | 3,310 |
| Net loans and leases to total assets | 59.6823% | 3,735 |
| Net loans and leases to deposits | 79.3116% | 2,295 |
| Net loans and leases to core deposits | 87.1621% | 2,156 |
| Total domestic deposits to total assets | 75.2504% | 6,618 |
| Equity capital to assets | 18.8240% | 293 |
| Core capital (leverage) ratio | 19.0892% | 241 |
| Tier 1 risk-based capital ratio | 30.1134% | 513 |
| Total risk-based capital ratio | 31.3962% | 505 |
| Memoranda: | ||
| Average total assets | $1,425,433,500 | 470 |
| Average earning assets | $1,306,178,000 | 460 |
| Average equity | $268,040,500 | 295 |
| Average total loans | $867,854,000 | 474 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 6,792 |
| Cost of funding earning assets | 0.6319% | 5,917 |
| Net interest margin | 3.1112% | 6,322 |
| Noninterest income to average assets | 0.5234% | 3,693 |
| Noninterest expense to average assets | 2.9181% | 3,886 |
| Loan and lease loss provision to assets | -0.1797% | 7,301 |
| Net operating income to assets | 2.1359% | 249 |
| Return on assets (ROA) | 2.1687% | 255 |
| Pretax return on assets | 0.6853% | 4,384 |
| Return on Equity (ROE) | 12.6270% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.6270% | 257 |
| Net charge-offs to loans | 0.5437% | 2,838 |
| Credit loss provision to net charge-offs | -54.8442% | 6,672 |
| Earnings coverage of net charge-offs (x) | 1.4427% | 4,686 |
| Efficiency ratio | 86.0582% | 1,561 |
| Assets per employee ($millions) | 5.1511% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4310% | 268 |
| Loan loss allowance to noncurrent loans | 206.2120% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 1.3124% | 4,027 |
| Noncurrent loans to loans | 2.1488% | 3,012 |
| Net loans and leases to total assets | 57.0582% | 4,536 |
| Net loans and leases to deposits | 76.0729% | 3,169 |
| Net loans and leases to core deposits | 83.2327% | 2,991 |
| Total domestic deposits to total assets | 75.0047% | 6,606 |
| Equity capital to assets | 18.7842% | 291 |
| Core capital (leverage) ratio | 18.6880% | 263 |
| Tier 1 risk-based capital ratio | 30.2653% | 506 |
| Total risk-based capital ratio | 31.5541% | 492 |
| Memoranda: | ||
| Average total assets | $1,439,461,400 | 467 |
| Average earning assets | $1,326,678,000 | 453 |
| Average equity | $247,232,400 | 300 |
| Average total loans | $867,496,800 | 484 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 6,898 |
| Cost of funding earning assets | 0.6420% | 6,075 |
| Net interest margin | 3.0953% | 6,391 |
| Noninterest income to average assets | 0.5789% | 3,306 |
| Noninterest expense to average assets | 2.8818% | 4,006 |
| Loan and lease loss provision to assets | -0.2700% | 7,395 |
| Net operating income to assets | 0.8306% | 3,018 |
| Return on assets (ROA) | 0.8734% | 2,997 |
| Pretax return on assets | 0.8734% | 3,867 |
| Return on Equity (ROE) | 5.2049% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.2049% | 3,056 |
| Net charge-offs to loans | 0.7350% | 2,090 |
| Credit loss provision to net charge-offs | -60.8153% | 6,480 |
| Earnings coverage of net charge-offs (x) | 1.2627% | 4,669 |
| Efficiency ratio | 83.7147% | 1,758 |
| Assets per employee ($millions) | 5.0824% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3831% | 290 |
| Loan loss allowance to noncurrent loans | 204.2349% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 1.3183% | 4,167 |
| Noncurrent loans to loans | 2.1461% | 3,188 |
| Net loans and leases to total assets | 57.4095% | 4,603 |
| Net loans and leases to deposits | 75.0483% | 3,502 |
| Net loans and leases to core deposits | 82.6759% | 3,234 |
| Total domestic deposits to total assets | 76.4968% | 6,455 |
| Equity capital to assets | 17.3466% | 455 |
| Core capital (leverage) ratio | 17.6200% | 358 |
| Tier 1 risk-based capital ratio | 30.2656% | 525 |
| Total risk-based capital ratio | 31.5584% | 511 |
| Memoranda: | ||
| Average total assets | $1,443,899,000 | 467 |
| Average earning assets | $1,335,776,000 | 451 |
| Average equity | $242,276,250 | 307 |
| Average total loans | $872,167,500 | 483 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 6,921 |
| Cost of funding earning assets | 0.6454% | 6,250 |
| Net interest margin | 3.1494% | 6,284 |
| Noninterest income to average assets | 0.4145% | 4,555 |
| Noninterest expense to average assets | 2.6601% | 4,966 |
| Loan and lease loss provision to assets | -0.5395% | 7,482 |
| Net operating income to assets | 1.1995% | 1,571 |
| Return on assets (ROA) | 1.2591% | 1,488 |
| Pretax return on assets | 1.2682% | 2,247 |
| Return on Equity (ROE) | 7.5869% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.5869% | 1,623 |
| Net charge-offs to loans | 0.6706% | 2,158 |
| Credit loss provision to net charge-offs | -132.9380% | 6,336 |
| Earnings coverage of net charge-offs (x) | 1.6469% | 4,056 |
| Efficiency ratio | 79.9190% | 2,398 |
| Assets per employee ($millions) | 5.5987% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3698% | 314 |
| Loan loss allowance to noncurrent loans | 306.6833% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8360% | 5,208 |
| Noncurrent loans to loans | 1.4249% | 4,283 |
| Net loans and leases to total assets | 56.1110% | 4,977 |
| Net loans and leases to deposits | 79.0766% | 2,956 |
| Net loans and leases to core deposits | 87.3791% | 2,720 |
| Total domestic deposits to total assets | 70.9578% | 7,061 |
| Equity capital to assets | 16.5029% | 539 |
| Core capital (leverage) ratio | 16.5502% | 444 |
| Tier 1 risk-based capital ratio | 29.9873% | 534 |
| Total risk-based capital ratio | 31.2814% | 522 |
| Memoranda: | ||
| Average total assets | $1,454,225,330 | 469 |
| Average earning assets | $1,345,547,330 | 456 |
| Average equity | $241,337,330 | 308 |
| Average total loans | $880,112,000 | 486 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 6,781 |
| Cost of funding earning assets | 0.6592% | 6,350 |
| Net interest margin | 3.2769% | 5,854 |
| Noninterest income to average assets | 0.4593% | 4,192 |
| Noninterest expense to average assets | 2.6848% | 4,896 |
| Loan and lease loss provision to assets | -1.0651% | 7,558 |
| Net operating income to assets | 1.8673% | 429 |
| Return on assets (ROA) | 1.9529% | 386 |
| Pretax return on assets | 1.9529% | 600 |
| Return on Equity (ROE) | 11.7337% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.7337% | 773 |
| Net charge-offs to loans | -0.9022% | 7,475 |
| Credit loss provision to net charge-offs | 192.0341% | 1,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9942% | 2,987 |
| Assets per employee ($millions) | 5.6993% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8532% | 224 |
| Loan loss allowance to noncurrent loans | 410.0324% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 5,541 |
| Noncurrent loans to loans | 1.1836% | 4,709 |
| Net loans and leases to total assets | 56.1295% | 4,972 |
| Net loans and leases to deposits | 71.9547% | 4,083 |
| Net loans and leases to core deposits | 79.0428% | 3,875 |
| Total domestic deposits to total assets | 78.0067% | 6,380 |
| Equity capital to assets | 16.1427% | 551 |
| Core capital (leverage) ratio | 17.9227% | 336 |
| Tier 1 risk-based capital ratio | 29.0359% | 571 |
| Total risk-based capital ratio | 30.3359% | 552 |
| Memoranda: | ||
| Average total assets | $1,439,509,500 | 478 |
| Average earning assets | $1,330,022,500 | 467 |
| Average equity | $239,582,500 | 308 |
| Average total loans | $884,900,000 | 492 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 7,104 |
| Cost of funding earning assets | 1.1283% | 4,975 |
| Net interest margin | 2.9107% | 6,877 |
| Noninterest income to average assets | -2.1502% | 7,651 |
| Noninterest expense to average assets | 3.2260% | 2,994 |
| Loan and lease loss provision to assets | 0.8809% | 1,858 |
| Net operating income to assets | -3.5842% | 7,384 |
| Return on assets (ROA) | -3.5152% | 7,392 |
| Pretax return on assets | -3.5152% | 7,372 |
| Return on Equity (ROE) | -24.3781% | 7,119 |
| Retained earnings to average equity (ytd only) | -24.3781% | 7,098 |
| Net charge-offs to loans | 5.5930% | 122 |
| Credit loss provision to net charge-offs | 26.0819% | 6,520 |
| Earnings coverage of net charge-offs (x) | -0.8004% | 6,552 |
| Efficiency ratio | 617.1494% | 16 |
| Assets per employee ($millions) | 5.1284% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0913% | 180 |
| Loan loss allowance to noncurrent loans | 312.1916% | 994 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 4,910 |
| Noncurrent loans to loans | 1.6308% | 4,059 |
| Net loans and leases to total assets | 60.9191% | 4,501 |
| Net loans and leases to deposits | 79.7001% | 3,227 |
| Net loans and leases to core deposits | 88.6596% | 2,953 |
| Total domestic deposits to total assets | 76.4354% | 6,581 |
| Equity capital to assets | 17.1914% | 436 |
| Core capital (leverage) ratio | 17.0574% | 397 |
| Tier 1 risk-based capital ratio | 28.0708% | 604 |
| Total risk-based capital ratio | 29.3742% | 580 |
| Memoranda: | ||
| Average total assets | $1,756,916,800 | 389 |
| Average earning assets | $1,613,374,800 | 378 |
| Average equity | $253,342,400 | 297 |
| Average total loans | $1,060,977,000 | 424 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 7,333 |
| Cost of funding earning assets | 1.4116% | 3,510 |
| Net interest margin | 2.4962% | 7,380 |
| Noninterest income to average assets | -2.8055% | 7,757 |
| Noninterest expense to average assets | 2.3813% | 6,088 |
| Loan and lease loss provision to assets | 1.4290% | 944 |
| Net operating income to assets | -4.3245% | 7,596 |
| Return on assets (ROA) | -4.2372% | 7,599 |
| Pretax return on assets | -4.2372% | 7,584 |
| Return on Equity (ROE) | -30.4713% | 7,394 |
| Retained earnings to average equity (ytd only) | -30.4713% | 7,385 |
| Net charge-offs to loans | 7.2107% | 59 |
| Credit loss provision to net charge-offs | 33.2040% | 6,120 |
| Earnings coverage of net charge-offs (x) | -0.6728% | 6,383 |
| Efficiency ratio | -463.1439% | 7,755 |
| Assets per employee ($millions) | 5.4660% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3739% | 141 |
| Loan loss allowance to noncurrent loans | 902.1984% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 6,487 |
| Noncurrent loans to loans | 0.5956% | 6,021 |
| Net loans and leases to total assets | 58.2681% | 5,221 |
| Net loans and leases to deposits | 81.0869% | 3,248 |
| Net loans and leases to core deposits | 91.7432% | 2,844 |
| Total domestic deposits to total assets | 71.8588% | 7,143 |
| Equity capital to assets | 16.2271% | 634 |
| Core capital (leverage) ratio | 15.3864% | 649 |
| Tier 1 risk-based capital ratio | 25.6803% | 799 |
| Total risk-based capital ratio | 26.9821% | 778 |
| Memoranda: | ||
| Average total assets | $1,852,546,000 | 376 |
| Average earning assets | $1,700,489,250 | 365 |
| Average equity | $257,608,250 | 289 |
| Average total loans | $1,105,674,500 | 407 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 7,462 |
| Cost of funding earning assets | 1.3912% | 3,931 |
| Net interest margin | 2.4576% | 7,441 |
| Noninterest income to average assets | -2.8429% | 7,825 |
| Noninterest expense to average assets | 2.9485% | 3,899 |
| Loan and lease loss provision to assets | 3.6101% | 237 |
| Net operating income to assets | -7.1382% | 7,775 |
| Return on assets (ROA) | -7.1247% | 7,779 |
| Pretax return on assets | -7.1247% | 7,766 |
| Return on Equity (ROE) | -53.4556% | 7,626 |
| Retained earnings to average equity (ytd only) | -53.4556% | 7,622 |
| Net charge-offs to loans | 9.9695% | 34 |
| Credit loss provision to net charge-offs | 61.1540% | 5,183 |
| Earnings coverage of net charge-offs (x) | -0.5977% | 6,042 |
| Efficiency ratio | -508.6691% | 7,825 |
| Assets per employee ($millions) | 5.9682% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0881% | 54 |
| Loan loss allowance to noncurrent loans | 1,826.8933% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 6,888 |
| Noncurrent loans to loans | 0.3880% | 6,463 |
| Net loans and leases to total assets | 49.0443% | 6,537 |
| Net loans and leases to deposits | 65.1837% | 5,901 |
| Net loans and leases to core deposits | 72.2670% | 5,644 |
| Total domestic deposits to total assets | 75.2402% | 6,819 |
| Equity capital to assets | 12.4923% | 1,808 |
| Core capital (leverage) ratio | 12.1097% | 1,584 |
| Tier 1 risk-based capital ratio | 23.2837% | 1,029 |
| Total risk-based capital ratio | 24.6075% | 993 |
| Memoranda: | ||
| Average total assets | $1,978,123,670 | 352 |
| Average earning assets | $1,821,671,330 | 341 |
| Average equity | $263,650,670 | 279 |
| Average total loans | $1,171,311,330 | 392 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 7,631 |
| Cost of funding earning assets | 1.5758% | 3,098 |
| Net interest margin | 2.1402% | 7,675 |
| Noninterest income to average assets | 0.3461% | 5,369 |
| Noninterest expense to average assets | 2.7376% | 4,731 |
| Loan and lease loss provision to assets | 1.5757% | 736 |
| Net operating income to assets | -2.0707% | 7,476 |
| Return on assets (ROA) | -2.0452% | 7,475 |
| Pretax return on assets | -1.9707% | 7,408 |
| Return on Equity (ROE) | -14.9475% | 7,311 |
| Retained earnings to average equity (ytd only) | -14.9475% | 7,210 |
| Net charge-offs to loans | 7.5692% | 109 |
| Credit loss provision to net charge-offs | 33.6104% | 4,759 |
| Earnings coverage of net charge-offs (x) | -0.0897% | 5,092 |
| Efficiency ratio | 118.1509% | 466 |
| Assets per employee ($millions) | 6.0469% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7862% | 111 |
| Loan loss allowance to noncurrent loans | 44.5869% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 9.5601% | 427 |
| Noncurrent loans to loans | 12.9772% | 252 |
| Net loans and leases to total assets | 62.2272% | 4,716 |
| Net loans and leases to deposits | 84.3617% | 2,876 |
| Net loans and leases to core deposits | 94.6804% | 2,747 |
| Total domestic deposits to total assets | 73.7624% | 7,076 |
| Equity capital to assets | 14.7408% | 941 |
| Core capital (leverage) ratio | 13.6561% | 1,041 |
| Tier 1 risk-based capital ratio | 21.6161% | 1,252 |
| Total risk-based capital ratio | 22.9233% | 1,228 |
| Memoranda: | ||
| Average total assets | $2,083,889,000 | 341 |
| Average earning assets | $1,919,044,000 | 332 |
| Average equity | $285,132,000 | 267 |
| Average total loans | $1,290,711,500 | 369 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0312% | 7,687 |
| Cost of funding earning assets | 2.1134% | 2,397 |
| Net interest margin | 1.9178% | 7,774 |
| Noninterest income to average assets | 0.4627% | 4,697 |
| Noninterest expense to average assets | 3.2508% | 3,190 |
| Loan and lease loss provision to assets | 9.7713% | 15 |
| Net operating income to assets | -11.1005% | 7,981 |
| Return on assets (ROA) | -11.1670% | 7,982 |
| Pretax return on assets | -10.8525% | 7,977 |
| Return on Equity (ROE) | -111.0484% | 7,958 |
| Retained earnings to average equity (ytd only) | -111.0484% | 7,958 |
| Net charge-offs to loans | 11.8930% | 24 |
| Credit loss provision to net charge-offs | 117.8152% | 4,594 |
| Earnings coverage of net charge-offs (x) | -0.1223% | 6,358 |
| Efficiency ratio | 145.3811% | 348 |
| Assets per employee ($millions) | 6.9603% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6884% | 71 |
| Loan loss allowance to noncurrent loans | 58.0560% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 7.6134% | 626 |
| Noncurrent loans to loans | 11.5206% | 307 |
| Net loans and leases to total assets | 54.5849% | 6,134 |
| Net loans and leases to deposits | 72.6111% | 5,247 |
| Net loans and leases to core deposits | 96.9691% | 4,354 |
| Total domestic deposits to total assets | 75.1743% | 6,835 |
| Equity capital to assets | 12.7973% | 1,595 |
| Core capital (leverage) ratio | 13.3900% | 1,128 |
| Tier 1 risk-based capital ratio | 21.5044% | 1,214 |
| Total risk-based capital ratio | 22.8239% | 1,180 |
| Memoranda: | ||
| Average total assets | $2,342,190,800 | 308 |
| Average earning assets | $2,165,735,000 | 303 |
| Average equity | $235,530,600 | 300 |
| Average total loans | $1,633,360,400 | 313 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 7,751 |
| Cost of funding earning assets | 2.2969% | 1,993 |
| Net interest margin | 1.8528% | 7,870 |
| Noninterest income to average assets | 0.2812% | 6,224 |
| Noninterest expense to average assets | 3.0293% | 3,935 |
| Loan and lease loss provision to assets | 6.8897% | 76 |
| Net operating income to assets | -9.4535% | 8,038 |
| Return on assets (ROA) | -9.5414% | 8,038 |
| Pretax return on assets | -8.0131% | 7,998 |
| Return on Equity (ROE) | -101.5345% | 8,015 |
| Retained earnings to average equity (ytd only) | -101.5345% | 8,013 |
| Net charge-offs to loans | 9.4820% | 53 |
| Credit loss provision to net charge-offs | 100.3084% | 5,063 |
| Earnings coverage of net charge-offs (x) | -0.1507% | 6,236 |
| Efficiency ratio | 151.9306% | 306 |
| Assets per employee ($millions) | 6.1828% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6395% | 375 |
| Loan loss allowance to noncurrent loans | 26.5550% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 11.6525% | 248 |
| Noncurrent loans to loans | 13.7055% | 194 |
| Net loans and leases to total assets | 68.7003% | 3,798 |
| Net loans and leases to deposits | 88.2857% | 2,908 |
| Net loans and leases to core deposits | 119.7197% | 2,270 |
| Total domestic deposits to total assets | 77.8159% | 6,138 |
| Equity capital to assets | 9.1828% | 5,193 |
| Core capital (leverage) ratio | 8.7728% | 5,014 |
| Tier 1 risk-based capital ratio | 12.0878% | 4,890 |
| Total risk-based capital ratio | 13.3654% | 4,812 |
| Memoranda: | ||
| Average total assets | $2,360,472,750 | 319 |
| Average earning assets | $2,181,994,000 | 317 |
| Average equity | $221,818,500 | 333 |
| Average total loans | $1,709,864,750 | 313 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 7,892 |
| Cost of funding earning assets | 2.4425% | 1,809 |
| Net interest margin | 1.5939% | 7,992 |
| Noninterest income to average assets | 0.2197% | 6,731 |
| Noninterest expense to average assets | 2.4526% | 6,288 |
| Loan and lease loss provision to assets | 5.0585% | 197 |
| Net operating income to assets | -8.0560% | 8,079 |
| Return on assets (ROA) | -8.2407% | 8,075 |
| Pretax return on assets | -6.0006% | 7,950 |
| Return on Equity (ROE) | -87.1241% | 8,056 |
| Retained earnings to average equity (ytd only) | -87.1241% | 8,054 |
| Net charge-offs to loans | 7.4328% | 116 |
| Credit loss provision to net charge-offs | 93.5294% | 4,812 |
| Earnings coverage of net charge-offs (x) | -0.1400% | 5,832 |
| Efficiency ratio | 144.6786% | 398 |
| Assets per employee ($millions) | 6.7550% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9592% | 588 |
| Loan loss allowance to noncurrent loans | 17.1990% | 7,269 |
| Noncurrent assets plus other real estate owned to assets | 13.9787% | 122 |
| Noncurrent loans to loans | 17.2056% | 90 |
| Net loans and leases to total assets | 70.2018% | 3,647 |
| Net loans and leases to deposits | 89.3724% | 2,924 |
| Net loans and leases to core deposits | 123.6118% | 2,056 |
| Total domestic deposits to total assets | 78.5498% | 5,939 |
| Equity capital to assets | 9.3889% | 4,763 |
| Core capital (leverage) ratio | 9.3119% | 4,151 |
| Tier 1 risk-based capital ratio | 11.8701% | 5,025 |
| Total risk-based capital ratio | 13.1392% | 4,922 |
| Memoranda: | ||
| Average total assets | $2,446,579,670 | 321 |
| Average earning assets | $2,264,852,330 | 317 |
| Average equity | $231,412,330 | 318 |
| Average total loans | $1,780,242,670 | 312 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 7,834 |
| Cost of funding earning assets | 2.6328% | 1,473 |
| Net interest margin | 1.7005% | 8,005 |
| Noninterest income to average assets | 0.2295% | 6,624 |
| Noninterest expense to average assets | 1.9232% | 7,508 |
| Loan and lease loss provision to assets | 2.0859% | 569 |
| Net operating income to assets | -1.2546% | 7,393 |
| Return on assets (ROA) | -1.2546% | 7,408 |
| Pretax return on assets | -2.2046% | 7,592 |
| Return on Equity (ROE) | -13.2192% | 7,530 |
| Retained earnings to average equity (ytd only) | -13.2192% | 7,339 |
| Net charge-offs to loans | 5.1514% | 207 |
| Credit loss provision to net charge-offs | 55.4984% | 4,594 |
| Earnings coverage of net charge-offs (x) | -0.0316% | 5,007 |
| Efficiency ratio | 106.5758% | 914 |
| Assets per employee ($millions) | 6.2531% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4189% | 829 |
| Loan loss allowance to noncurrent loans | 21.6156% | 7,081 |
| Noncurrent assets plus other real estate owned to assets | 8.8669% | 288 |
| Noncurrent loans to loans | 11.1905% | 213 |
| Net loans and leases to total assets | 72.1012% | 3,223 |
| Net loans and leases to deposits | 91.4246% | 2,707 |
| Net loans and leases to core deposits | 145.6255% | 880 |
| Total domestic deposits to total assets | 78.8641% | 5,776 |
| Equity capital to assets | 9.5710% | 4,568 |
| Core capital (leverage) ratio | 9.5699% | 3,907 |
| Tier 1 risk-based capital ratio | 11.4483% | 5,462 |
| Total risk-based capital ratio | 12.7105% | 5,348 |
| Memoranda: | ||
| Average total assets | $2,504,628,500 | 313 |
| Average earning assets | $2,319,809,500 | 309 |
| Average equity | $237,715,500 | 312 |
| Average total loans | $1,827,398,500 | 306 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6320% | 6,984 |
| Cost of funding earning assets | 3.0751% | 1,591 |
| Net interest margin | 2.5569% | 7,688 |
| Noninterest income to average assets | 0.3014% | 6,300 |
| Noninterest expense to average assets | 2.0424% | 7,362 |
| Loan and lease loss provision to assets | 2.6469% | 380 |
| Net operating income to assets | -1.1858% | 7,336 |
| Return on assets (ROA) | -1.2146% | 7,292 |
| Pretax return on assets | -2.0435% | 7,447 |
| Return on Equity (ROE) | -12.1315% | 7,431 |
| Retained earnings to average equity (ytd only) | -12.1315% | 7,251 |
| Net charge-offs to loans | 2.3750% | 430 |
| Credit loss provision to net charge-offs | 153.8501% | 3,394 |
| Earnings coverage of net charge-offs (x) | 0.3769% | 6,006 |
| Efficiency ratio | 64.7105% | 5,392 |
| Assets per employee ($millions) | 6.4919% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9309% | 466 |
| Loan loss allowance to noncurrent loans | 35.2556% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 5.9919% | 497 |
| Noncurrent loans to loans | 8.3133% | 313 |
| Net loans and leases to total assets | 69.9639% | 4,022 |
| Net loans and leases to deposits | 89.1922% | 3,603 |
| Net loans and leases to core deposits | 145.2956% | 1,039 |
| Total domestic deposits to total assets | 78.4418% | 5,568 |
| Equity capital to assets | 9.4149% | 4,805 |
| Core capital (leverage) ratio | 9.3572% | 4,222 |
| Tier 1 risk-based capital ratio | 11.6916% | 5,063 |
| Total risk-based capital ratio | 12.9597% | 4,951 |
| Memoranda: | ||
| Average total assets | $2,623,094,600 | 285 |
| Average earning assets | $2,451,300,800 | 279 |
| Average equity | $262,622,000 | 297 |
| Average total loans | $1,900,158,400 | 287 |