Home > Enterprise Bank and Trust Company > Performance and Condition Ratios
Enterprise Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 2,469 |
| Cost of funding earning assets | 1.0611% | 3,168 |
| Net interest margin | 3.7403% | 1,670 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.4633% | 2,407 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.9386% | 2,413 |
| Return on assets (ROA) | 0.9071% | 2,497 |
| Pretax return on assets | 1.2328% | 2,056 |
| Return on Equity (ROE) | 11.1000% | 2,197 |
| Retained earnings to average equity (ytd only) | 8.3092% | 1,457 |
| Net charge-offs to loans | 0.0031% | 2,662 |
| Credit loss provision to net charge-offs | 6,152.3810% | 83 |
| Earnings coverage of net charge-offs (x) | 629.3524% | 233 |
| Efficiency ratio | 62.4741% | 2,782 |
| Assets per employee ($millions) | 7.8351% | 1,521 |
| Cash dividends to net income (ytd only)* | 25.1759% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 754 |
| Loan loss allowance to noncurrent loans | 516.8653% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 1,934 |
| Noncurrent loans to loans | 0.3199% | 2,037 |
| Net loans and leases to total assets | 78.5700% | 807 |
| Net loans and leases to deposits | 88.1703% | 1,414 |
| Net loans and leases to core deposits | 93.4612% | 1,809 |
| Total domestic deposits to total assets | 89.1100% | 1,033 |
| Equity capital to assets | 8.6781% | 2,915 |
| Core capital (leverage) ratio | 10.0108% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0920% | 2,210 |
| Memoranda: | ||
| Average total assets | $4,466,195,200 | 298 |
| Average earning assets | $4,193,950,200 | 287 |
| Average equity | $364,838,000 | 337 |
| Average total loans | $3,345,709,600 | 271 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 2,459 |
| Cost of funding earning assets | 0.9106% | 3,246 |
| Net interest margin | 3.7958% | 1,605 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.4413% | 2,402 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.0195% | 2,306 |
| Return on assets (ROA) | 0.9622% | 2,465 |
| Pretax return on assets | 1.2771% | 2,102 |
| Return on Equity (ROE) | 11.9700% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.2930% | 1,609 |
| Net charge-offs to loans | 0.0036% | 2,375 |
| Credit loss provision to net charge-offs | 5,950.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 577.3667% | 271 |
| Efficiency ratio | 61.1463% | 2,826 |
| Assets per employee ($millions) | 7.9758% | 1,355 |
| Cash dividends to net income (ytd only)* | 22.3374% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 699 |
| Loan loss allowance to noncurrent loans | 496.7828% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 1,968 |
| Noncurrent loans to loans | 0.3424% | 2,005 |
| Net loans and leases to total assets | 74.6500% | 1,274 |
| Net loans and leases to deposits | 82.3920% | 1,875 |
| Net loans and leases to core deposits | 86.9859% | 2,123 |
| Total domestic deposits to total assets | 90.6000% | 774 |
| Equity capital to assets | 8.0065% | 3,057 |
| Core capital (leverage) ratio | 9.8676% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4466% | 2,097 |
| Memoranda: | ||
| Average total assets | $4,466,235,500 | 299 |
| Average earning assets | $4,193,247,250 | 289 |
| Average equity | $359,155,500 | 343 |
| Average total loans | $3,290,179,250 | 278 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 2,491 |
| Cost of funding earning assets | 0.7506% | 3,349 |
| Net interest margin | 3.8163% | 1,590 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.3915% | 2,517 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 1.0578% | 2,240 |
| Return on assets (ROA) | 0.9783% | 2,477 |
| Pretax return on assets | 1.2945% | 2,098 |
| Return on Equity (ROE) | 12.1500% | 2,104 |
| Retained earnings to average equity (ytd only) | 9.3640% | 1,584 |
| Net charge-offs to loans | 0.0063% | 2,014 |
| Credit loss provision to net charge-offs | 4,275.4902% | 124 |
| Earnings coverage of net charge-offs (x) | 354.1569% | 401 |
| Efficiency ratio | 59.6217% | 3,003 |
| Assets per employee ($millions) | 8.0113% | 1,311 |
| Cash dividends to net income (ytd only)* | 22.9148% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 748 |
| Loan loss allowance to noncurrent loans | 744.0696% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 2,365 |
| Noncurrent loans to loans | 0.2286% | 2,346 |
| Net loans and leases to total assets | 73.0500% | 1,403 |
| Net loans and leases to deposits | 80.6573% | 1,925 |
| Net loans and leases to core deposits | 84.2026% | 2,199 |
| Total domestic deposits to total assets | 90.5600% | 764 |
| Equity capital to assets | 8.1345% | 3,131 |
| Core capital (leverage) ratio | 9.9201% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3586% | 2,154 |
| Memoranda: | ||
| Average total assets | $4,460,856,000 | 289 |
| Average earning assets | $4,189,177,667 | 281 |
| Average equity | $359,246,667 | 333 |
| Average total loans | $3,252,234,333 | 271 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 2,344 |
| Cost of funding earning assets | 0.5742% | 3,464 |
| Net interest margin | 3.9138% | 1,454 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.5111% | 2,216 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 1.0312% | 2,435 |
| Return on assets (ROA) | 1.0301% | 2,405 |
| Pretax return on assets | 1.3414% | 2,053 |
| Return on Equity (ROE) | 12.8600% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.8324% | 1,509 |
| Net charge-offs to loans | -0.0055% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.2400% | 2,784 |
| Assets per employee ($millions) | 7.9178% | 1,391 |
| Cash dividends to net income (ytd only)* | 15.7425% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 808 |
| Loan loss allowance to noncurrent loans | 730.2443% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 2,321 |
| Noncurrent loans to loans | 0.2332% | 2,336 |
| Net loans and leases to total assets | 71.4900% | 1,473 |
| Net loans and leases to deposits | 79.0577% | 1,891 |
| Net loans and leases to core deposits | 82.1871% | 2,106 |
| Total domestic deposits to total assets | 90.4300% | 1,001 |
| Equity capital to assets | 8.3453% | 3,008 |
| Core capital (leverage) ratio | 9.7839% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5496% | 2,164 |
| Memoranda: | ||
| Average total assets | $4,440,112,000 | 302 |
| Average earning assets | $4,178,759,000 | 293 |
| Average equity | $355,749,000 | 347 |
| Average total loans | $3,205,518,000 | 282 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 2,190 |
| Cost of funding earning assets | 0.1370% | 4,192 |
| Net interest margin | 3.6949% | 1,393 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.4181% | 2,368 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0674% | 2,309 |
| Return on assets (ROA) | 1.0230% | 2,428 |
| Pretax return on assets | 1.3408% | 1,955 |
| Return on Equity (ROE) | 12.7300% | 1,897 |
| Retained earnings to average equity (ytd only) | 10.2480% | 1,081 |
| Net charge-offs to loans | 0.0078% | 2,102 |
| Credit loss provision to net charge-offs | 2,165.2720% | 248 |
| Earnings coverage of net charge-offs (x) | 284.8326% | 507 |
| Efficiency ratio | 61.2911% | 2,873 |
| Assets per employee ($millions) | 8.0259% | 1,310 |
| Cash dividends to net income (ytd only)* | 19.5171% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 868 |
| Loan loss allowance to noncurrent loans | 859.8497% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 2,564 |
| Noncurrent loans to loans | 0.1925% | 2,518 |
| Net loans and leases to total assets | 70.4700% | 1,588 |
| Net loans and leases to deposits | 77.4662% | 2,000 |
| Net loans and leases to core deposits | 79.4220% | 2,169 |
| Total domestic deposits to total assets | 90.9700% | 971 |
| Equity capital to assets | 7.6787% | 3,271 |
| Core capital (leverage) ratio | 9.3675% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4670% | 2,179 |
| Memoranda: | ||
| Average total assets | $4,457,578,800 | 292 |
| Average earning assets | $4,207,747,200 | 283 |
| Average equity | $358,128,200 | 335 |
| Average total loans | $3,051,641,600 | 278 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6425% | 2,214 |
| Cost of funding earning assets | 0.0876% | 4,367 |
| Net interest margin | 3.5549% | 1,507 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.3906% | 2,367 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.9643% | 2,609 |
| Return on assets (ROA) | 0.9731% | 2,547 |
| Pretax return on assets | 1.2682% | 2,144 |
| Return on Equity (ROE) | 11.9800% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.7366% | 1,420 |
| Net charge-offs to loans | 0.0032% | 2,108 |
| Credit loss provision to net charge-offs | 4,904.1096% | 112 |
| Earnings coverage of net charge-offs (x) | 630.2603% | 254 |
| Efficiency ratio | 63.4901% | 2,624 |
| Assets per employee ($millions) | 8.1034% | 1,271 |
| Cash dividends to net income (ytd only)* | 18.7295% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 971 |
| Loan loss allowance to noncurrent loans | 895.7670% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 2,728 |
| Noncurrent loans to loans | 0.1839% | 2,662 |
| Net loans and leases to total assets | 67.5100% | 1,726 |
| Net loans and leases to deposits | 73.8917% | 2,063 |
| Net loans and leases to core deposits | 75.0987% | 2,270 |
| Total domestic deposits to total assets | 91.3700% | 1,093 |
| Equity capital to assets | 7.3096% | 3,333 |
| Core capital (leverage) ratio | 9.1790% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4815% | 2,272 |
| Memoranda: | ||
| Average total assets | $4,462,390,250 | 292 |
| Average earning assets | $4,215,015,500 | 285 |
| Average equity | $362,458,250 | 337 |
| Average total loans | $3,019,422,500 | 277 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4749% | 2,207 |
| Cost of funding earning assets | 0.0618% | 4,515 |
| Net interest margin | 3.4131% | 1,560 |
| Noninterest income to average assets | 0.4044% | 2,732 |
| Noninterest expense to average assets | 2.3654% | 2,355 |
| Loan and lease loss provision to assets | 0.1324% | 727 |
| Net operating income to assets | 0.8788% | 2,673 |
| Return on assets (ROA) | 0.8989% | 2,558 |
| Pretax return on assets | 1.1612% | 2,204 |
| Return on Equity (ROE) | 10.7029% | 2,090 |
| Retained earnings to average equity (ytd only) | 8.5040% | 1,438 |
| Net charge-offs to loans | 0.0014% | 2,084 |
| Credit loss provision to net charge-offs | 14,380.9524% | 40 |
| Earnings coverage of net charge-offs (x) | 1,340.4762% | 87 |
| Efficiency ratio | 65.1009% | 2,632 |
| Assets per employee ($millions) | 7.4872% | 1,611 |
| Cash dividends to net income (ytd only)* | 20.5452% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 1,060 |
| Loan loss allowance to noncurrent loans | 802.1357% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 2,722 |
| Noncurrent loans to loans | 0.2049% | 2,690 |
| Net loans and leases to total assets | 68.6870% | 1,419 |
| Net loans and leases to deposits | 75.5072% | 1,727 |
| Net loans and leases to core deposits | 76.9321% | 1,927 |
| Total domestic deposits to total assets | 90.9675% | 1,257 |
| Equity capital to assets | 7.7826% | 3,283 |
| Core capital (leverage) ratio | 9.3722% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3671% | 2,351 |
| Memoranda: | ||
| Average total assets | $4,439,913,333 | 291 |
| Average earning assets | $4,200,427,667 | 286 |
| Average equity | $372,907,667 | 334 |
| Average total loans | $2,989,440,333 | 276 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3694% | 2,181 |
| Cost of funding earning assets | 0.0581% | 4,536 |
| Net interest margin | 3.3114% | 1,540 |
| Noninterest income to average assets | 0.4043% | 2,659 |
| Noninterest expense to average assets | 2.3122% | 2,454 |
| Loan and lease loss provision to assets | 0.0476% | 1,515 |
| Net operating income to assets | 0.9305% | 2,151 |
| Return on assets (ROA) | 1.0012% | 1,875 |
| Pretax return on assets | 1.2756% | 1,580 |
| Return on Equity (ROE) | 11.5014% | 1,456 |
| Retained earnings to average equity (ytd only) | 10.2626% | 957 |
| Net charge-offs to loans | 0.0143% | 1,255 |
| Credit loss provision to net charge-offs | 785.7143% | 398 |
| Earnings coverage of net charge-offs (x) | 130.7619% | 582 |
| Efficiency ratio | 65.2053% | 2,876 |
| Assets per employee ($millions) | 8.2490% | 1,231 |
| Cash dividends to net income (ytd only)* | 10.7710% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 1,185 |
| Loan loss allowance to noncurrent loans | 192.3648% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 1,060 |
| Noncurrent loans to loans | 0.8497% | 1,101 |
| Net loans and leases to total assets | 65.4241% | 1,468 |
| Net loans and leases to deposits | 72.2298% | 1,760 |
| Net loans and leases to core deposits | 73.1442% | 2,008 |
| Total domestic deposits to total assets | 90.5777% | 1,255 |
| Equity capital to assets | 8.3052% | 3,317 |
| Core capital (leverage) ratio | 9.1811% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7339% | 2,331 |
| Memoranda: | ||
| Average total assets | $4,451,146,500 | 295 |
| Average earning assets | $4,223,127,000 | 287 |
| Average equity | $387,465,500 | 327 |
| Average total loans | $2,941,703,000 | 279 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 2,309 |
| Cost of funding earning assets | 0.0967% | 4,406 |
| Net interest margin | 3.5328% | 1,642 |
| Noninterest income to average assets | 0.4014% | 3,036 |
| Noninterest expense to average assets | 2.3448% | 2,671 |
| Loan and lease loss provision to assets | 0.0410% | 2,228 |
| Net operating income to assets | 1.0431% | 2,510 |
| Return on assets (ROA) | 1.0495% | 2,560 |
| Pretax return on assets | 1.3923% | 2,081 |
| Return on Equity (ROE) | 11.3173% | 2,048 |
| Retained earnings to average equity (ytd only) | 5.7379% | 2,462 |
| Net charge-offs to loans | 0.1329% | 696 |
| Credit loss provision to net charge-offs | 13.6731% | 2,294 |
| Earnings coverage of net charge-offs (x) | 15.5315% | 2,000 |
| Efficiency ratio | 62.1961% | 2,843 |
| Assets per employee ($millions) | 8.2982% | 1,174 |
| Cash dividends to net income (ytd only)* | 49.2997% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 1,187 |
| Loan loss allowance to noncurrent loans | 179.8658% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 1,104 |
| Noncurrent loans to loans | 0.9081% | 1,116 |
| Net loans and leases to total assets | 64.5930% | 1,640 |
| Net loans and leases to deposits | 72.1452% | 1,894 |
| Net loans and leases to core deposits | 73.1006% | 2,156 |
| Total domestic deposits to total assets | 89.5320% | 1,218 |
| Equity capital to assets | 9.1050% | 3,508 |
| Core capital (leverage) ratio | 8.8698% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7039% | 2,359 |
| Memoranda: | ||
| Average total assets | $4,319,867,600 | 289 |
| Average earning assets | $4,119,040,800 | 280 |
| Average equity | $400,582,600 | 317 |
| Average total loans | $2,983,167,200 | 272 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6580% | 2,388 |
| Cost of funding earning assets | 0.1088% | 4,431 |
| Net interest margin | 3.5491% | 1,734 |
| Noninterest income to average assets | 0.3595% | 3,307 |
| Noninterest expense to average assets | 2.3246% | 2,678 |
| Loan and lease loss provision to assets | 0.0232% | 2,528 |
| Net operating income to assets | 1.0536% | 2,716 |
| Return on assets (ROA) | 1.0606% | 2,757 |
| Pretax return on assets | 1.4060% | 2,308 |
| Return on Equity (ROE) | 11.3837% | 2,249 |
| Retained earnings to average equity (ytd only) | 4.7921% | 3,293 |
| Net charge-offs to loans | 0.1811% | 476 |
| Credit loss provision to net charge-offs | 5.1314% | 2,037 |
| Earnings coverage of net charge-offs (x) | 11.2158% | 2,011 |
| Efficiency ratio | 62.0711% | 2,687 |
| Assets per employee ($millions) | 8.2894% | 1,135 |
| Cash dividends to net income (ytd only)* | 57.9043% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 1,200 |
| Loan loss allowance to noncurrent loans | 169.7934% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 1,108 |
| Noncurrent loans to loans | 0.9772% | 1,180 |
| Net loans and leases to total assets | 62.9294% | 1,898 |
| Net loans and leases to deposits | 70.5374% | 2,186 |
| Net loans and leases to core deposits | 71.5010% | 2,468 |
| Total domestic deposits to total assets | 89.2143% | 1,166 |
| Equity capital to assets | 9.1061% | 3,736 |
| Core capital (leverage) ratio | 8.7499% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1595% | 2,307 |
| Memoranda: | ||
| Average total assets | $4,287,879,750 | 290 |
| Average earning assets | $4,090,306,750 | 282 |
| Average equity | $399,484,250 | 319 |
| Average total loans | $2,998,788,000 | 270 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 2,381 |
| Cost of funding earning assets | 0.1216% | 4,428 |
| Net interest margin | 3.5632% | 1,677 |
| Noninterest income to average assets | 0.4082% | 3,066 |
| Noninterest expense to average assets | 2.3174% | 2,711 |
| Loan and lease loss provision to assets | 0.0340% | 2,303 |
| Net operating income to assets | 1.1085% | 2,512 |
| Return on assets (ROA) | 1.1188% | 2,542 |
| Pretax return on assets | 1.4743% | 2,098 |
| Return on Equity (ROE) | 11.9146% | 2,099 |
| Retained earnings to average equity (ytd only) | 3.4372% | 3,706 |
| Net charge-offs to loans | 0.1277% | 615 |
| Credit loss provision to net charge-offs | 44.2732% | 1,635 |
| Earnings coverage of net charge-offs (x) | 16.2553% | 1,604 |
| Efficiency ratio | 60.7824% | 2,899 |
| Assets per employee ($millions) | 7.9640% | 1,227 |
| Cash dividends to net income (ytd only)* | 71.1511% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 1,074 |
| Loan loss allowance to noncurrent loans | 156.0806% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 1,050 |
| Noncurrent loans to loans | 1.0848% | 1,116 |
| Net loans and leases to total assets | 65.6154% | 1,742 |
| Net loans and leases to deposits | 73.2769% | 2,070 |
| Net loans and leases to core deposits | 75.8707% | 2,250 |
| Total domestic deposits to total assets | 89.5445% | 1,007 |
| Equity capital to assets | 9.0136% | 3,781 |
| Core capital (leverage) ratio | 8.8313% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4952% | 2,167 |
| Memoranda: | ||
| Average total assets | $4,233,362,000 | 292 |
| Average earning assets | $4,044,706,000 | 284 |
| Average equity | $397,528,667 | 313 |
| Average total loans | $3,048,876,333 | 268 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7675% | 2,195 |
| Cost of funding earning assets | 0.1348% | 4,414 |
| Net interest margin | 3.6327% | 1,495 |
| Noninterest income to average assets | 0.3889% | 3,156 |
| Noninterest expense to average assets | 2.3166% | 2,735 |
| Loan and lease loss provision to assets | 0.0658% | 1,829 |
| Net operating income to assets | 1.1587% | 2,303 |
| Return on assets (ROA) | 1.1749% | 2,318 |
| Pretax return on assets | 1.4959% | 2,003 |
| Return on Equity (ROE) | 12.2491% | 1,926 |
| Retained earnings to average equity (ytd only) | -3.9835% | 4,653 |
| Net charge-offs to loans | 0.2374% | 357 |
| Credit loss provision to net charge-offs | 33.2063% | 1,375 |
| Earnings coverage of net charge-offs (x) | 8.6750% | 1,565 |
| Efficiency ratio | 60.0501% | 3,026 |
| Assets per employee ($millions) | 8.0946% | 1,159 |
| Cash dividends to net income (ytd only)* | 132.5212% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 1,298 |
| Loan loss allowance to noncurrent loans | 140.0477% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 1,062 |
| Noncurrent loans to loans | 1.1431% | 1,170 |
| Net loans and leases to total assets | 72.0333% | 1,022 |
| Net loans and leases to deposits | 80.0221% | 1,523 |
| Net loans and leases to core deposits | 83.0353% | 1,751 |
| Total domestic deposits to total assets | 90.0168% | 807 |
| Equity capital to assets | 9.0995% | 3,592 |
| Core capital (leverage) ratio | 9.0610% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2724% | 2,172 |
| Memoranda: | ||
| Average total assets | $4,136,042,500 | 296 |
| Average earning assets | $3,949,595,000 | 287 |
| Average equity | $396,732,500 | 311 |
| Average total loans | $3,095,568,000 | 265 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 2,489 |
| Cost of funding earning assets | 0.3426% | 3,910 |
| Net interest margin | 3.7345% | 1,691 |
| Noninterest income to average assets | 0.4463% | 2,878 |
| Noninterest expense to average assets | 2.4867% | 2,891 |
| Loan and lease loss provision to assets | 0.3339% | 1,059 |
| Net operating income to assets | 0.8888% | 2,741 |
| Return on assets (ROA) | 0.8926% | 2,867 |
| Pretax return on assets | 1.1848% | 2,382 |
| Return on Equity (ROE) | 9.4741% | 2,206 |
| Retained earnings to average equity (ytd only) | 8.5950% | 879 |
| Net charge-offs to loans | 0.0528% | 2,034 |
| Credit loss provision to net charge-offs | 807.4289% | 896 |
| Earnings coverage of net charge-offs (x) | 36.6053% | 1,454 |
| Efficiency ratio | 62.1577% | 3,098 |
| Assets per employee ($millions) | 7.6173% | 1,207 |
| Cash dividends to net income (ytd only)* | 9.2789% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,779 |
| Loan loss allowance to noncurrent loans | 117.1222% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 1,021 |
| Noncurrent loans to loans | 1.2377% | 1,121 |
| Net loans and leases to total assets | 75.4714% | 848 |
| Net loans and leases to deposits | 85.2331% | 1,319 |
| Net loans and leases to core deposits | 88.8075% | 1,621 |
| Total domestic deposits to total assets | 88.5470% | 1,196 |
| Equity capital to assets | 10.1146% | 3,016 |
| Core capital (leverage) ratio | 9.2733% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5450% | 2,035 |
| Memoranda: | ||
| Average total assets | $3,742,860,400 | 299 |
| Average earning assets | $3,562,299,000 | 293 |
| Average equity | $352,634,200 | 325 |
| Average total loans | $2,931,687,400 | 267 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 2,599 |
| Cost of funding earning assets | 0.3988% | 3,812 |
| Net interest margin | 3.7270% | 1,853 |
| Noninterest income to average assets | 0.4404% | 2,888 |
| Noninterest expense to average assets | 2.5247% | 2,764 |
| Loan and lease loss provision to assets | 0.3772% | 976 |
| Net operating income to assets | 0.8352% | 2,963 |
| Return on assets (ROA) | 0.8379% | 3,080 |
| Pretax return on assets | 1.0876% | 2,791 |
| Return on Equity (ROE) | 9.0753% | 2,369 |
| Retained earnings to average equity (ytd only) | 7.8571% | 1,356 |
| Net charge-offs to loans | 0.0081% | 2,824 |
| Credit loss provision to net charge-offs | 5,907.3864% | 193 |
| Earnings coverage of net charge-offs (x) | 228.8750% | 452 |
| Efficiency ratio | 63.3373% | 2,858 |
| Assets per employee ($millions) | 7.7640% | 1,093 |
| Cash dividends to net income (ytd only)* | 13.4234% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,783 |
| Loan loss allowance to noncurrent loans | 202.5553% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5330% | 2,105 |
| Noncurrent loans to loans | 0.6857% | 2,075 |
| Net loans and leases to total assets | 76.6471% | 1,012 |
| Net loans and leases to deposits | 86.1016% | 1,694 |
| Net loans and leases to core deposits | 89.8191% | 1,995 |
| Total domestic deposits to total assets | 89.0193% | 759 |
| Equity capital to assets | 9.7420% | 3,480 |
| Core capital (leverage) ratio | 9.1215% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1742% | 2,120 |
| Memoranda: | ||
| Average total assets | $3,674,994,500 | 300 |
| Average earning assets | $3,496,352,500 | 292 |
| Average equity | $339,285,000 | 333 |
| Average total loans | $2,896,051,500 | 269 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 2,660 |
| Cost of funding earning assets | 0.4879% | 3,605 |
| Net interest margin | 3.7443% | 2,012 |
| Noninterest income to average assets | 0.4552% | 2,787 |
| Noninterest expense to average assets | 2.6440% | 2,540 |
| Loan and lease loss provision to assets | 0.4975% | 728 |
| Net operating income to assets | 0.6669% | 3,518 |
| Return on assets (ROA) | 0.6656% | 3,615 |
| Pretax return on assets | 0.8692% | 3,403 |
| Return on Equity (ROE) | 7.3643% | 2,984 |
| Retained earnings to average equity (ytd only) | 5.4299% | 2,302 |
| Net charge-offs to loans | 0.0080% | 2,659 |
| Credit loss provision to net charge-offs | 7,876.7857% | 145 |
| Earnings coverage of net charge-offs (x) | 216.6607% | 417 |
| Efficiency ratio | 65.8951% | 2,532 |
| Assets per employee ($millions) | 7.4625% | 1,201 |
| Cash dividends to net income (ytd only)* | 26.2667% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 1,872 |
| Loan loss allowance to noncurrent loans | 198.4248% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 2,243 |
| Noncurrent loans to loans | 0.6713% | 2,186 |
| Net loans and leases to total assets | 77.6596% | 897 |
| Net loans and leases to deposits | 85.9346% | 1,772 |
| Net loans and leases to core deposits | 89.7089% | 2,090 |
| Total domestic deposits to total assets | 90.3705% | 305 |
| Equity capital to assets | 8.2028% | 4,632 |
| Core capital (leverage) ratio | 7.9490% | 4,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7875% | 3,017 |
| Memoranda: | ||
| Average total assets | $3,546,477,000 | 305 |
| Average earning assets | $3,369,319,000 | 295 |
| Average equity | $320,520,667 | 348 |
| Average total loans | $2,809,360,333 | 273 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 2,367 |
| Cost of funding earning assets | 0.6163% | 3,353 |
| Net interest margin | 3.8626% | 1,785 |
| Noninterest income to average assets | 0.5112% | 2,502 |
| Noninterest expense to average assets | 2.7405% | 2,600 |
| Loan and lease loss provision to assets | 0.7448% | 344 |
| Net operating income to assets | 0.5324% | 3,798 |
| Return on assets (ROA) | 0.5230% | 3,889 |
| Pretax return on assets | 0.6746% | 3,758 |
| Return on Equity (ROE) | 5.4772% | 3,480 |
| Retained earnings to average equity (ytd only) | 3.8274% | 2,745 |
| Net charge-offs to loans | -0.0005% | 3,587 |
| Credit loss provision to net charge-offs | -204,900.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6917% | 3,011 |
| Assets per employee ($millions) | 6.4014% | 1,402 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,406 |
| Loan loss allowance to noncurrent loans | 251.6550% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 2,589 |
| Noncurrent loans to loans | 0.5886% | 2,534 |
| Net loans and leases to total assets | 78.5423% | 898 |
| Net loans and leases to deposits | 90.7850% | 1,423 |
| Net loans and leases to core deposits | 93.5341% | 2,015 |
| Total domestic deposits to total assets | 86.5146% | 1,771 |
| Equity capital to assets | 9.4844% | 4,235 |
| Core capital (leverage) ratio | 9.1405% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6056% | 3,203 |
| Memoranda: | ||
| Average total assets | $3,301,101,000 | 312 |
| Average earning assets | $3,128,478,000 | 301 |
| Average equity | $315,197,500 | 347 |
| Average total loans | $2,625,231,500 | 283 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 2,433 |
| Cost of funding earning assets | 0.6898% | 3,210 |
| Net interest margin | 3.9700% | 1,941 |
| Noninterest income to average assets | 0.5042% | 2,712 |
| Noninterest expense to average assets | 2.7693% | 2,694 |
| Loan and lease loss provision to assets | 0.0379% | 3,255 |
| Net operating income to assets | 1.1112% | 2,397 |
| Return on assets (ROA) | 1.1242% | 2,455 |
| Pretax return on assets | 1.4677% | 1,910 |
| Return on Equity (ROE) | 11.9821% | 1,521 |
| Retained earnings to average equity (ytd only) | 10.0324% | 480 |
| Net charge-offs to loans | 0.0578% | 2,274 |
| Credit loss provision to net charge-offs | 83.4512% | 2,751 |
| Earnings coverage of net charge-offs (x) | 32.8140% | 1,493 |
| Efficiency ratio | 65.0310% | 2,931 |
| Assets per employee ($millions) | 6.0131% | 1,625 |
| Cash dividends to net income (ytd only)* | 16.2718% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 1,871 |
| Loan loss allowance to noncurrent loans | 227.5675% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 2,578 |
| Noncurrent loans to loans | 0.5756% | 2,462 |
| Net loans and leases to total assets | 78.2815% | 1,031 |
| Net loans and leases to deposits | 90.8637% | 1,497 |
| Net loans and leases to core deposits | 93.9027% | 2,069 |
| Total domestic deposits to total assets | 86.1527% | 2,003 |
| Equity capital to assets | 9.6147% | 4,259 |
| Core capital (leverage) ratio | 9.3123% | 4,264 |
| Tier 1 risk-based capital ratio | 10.6532% | 4,968 |
| Total risk-based capital ratio | 11.8676% | 4,905 |
| Memoranda: | ||
| Average total assets | $3,115,882,400 | 310 |
| Average earning assets | $2,946,503,600 | 301 |
| Average equity | $292,353,400 | 350 |
| Average total loans | $2,446,028,200 | 288 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 2,453 |
| Cost of funding earning assets | 0.7072% | 3,181 |
| Net interest margin | 3.9826% | 2,006 |
| Noninterest income to average assets | 0.4982% | 2,740 |
| Noninterest expense to average assets | 2.7468% | 2,723 |
| Loan and lease loss provision to assets | 0.0683% | 2,514 |
| Net operating income to assets | 1.1164% | 2,509 |
| Return on assets (ROA) | 1.1309% | 2,540 |
| Pretax return on assets | 1.4654% | 2,060 |
| Return on Equity (ROE) | 12.1312% | 1,567 |
| Retained earnings to average equity (ytd only) | 10.1383% | 722 |
| Net charge-offs to loans | 0.0824% | 1,647 |
| Credit loss provision to net charge-offs | 105.7564% | 2,153 |
| Earnings coverage of net charge-offs (x) | 23.4779% | 1,830 |
| Efficiency ratio | 64.4454% | 2,941 |
| Assets per employee ($millions) | 6.0476% | 1,576 |
| Cash dividends to net income (ytd only)* | 16.4279% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 1,683 |
| Loan loss allowance to noncurrent loans | 278.5667% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 2,959 |
| Noncurrent loans to loans | 0.4921% | 2,819 |
| Net loans and leases to total assets | 77.7861% | 1,176 |
| Net loans and leases to deposits | 87.6750% | 1,979 |
| Net loans and leases to core deposits | 90.5019% | 2,502 |
| Total domestic deposits to total assets | 88.7210% | 732 |
| Equity capital to assets | 9.7233% | 4,272 |
| Core capital (leverage) ratio | 9.1404% | 4,520 |
| Tier 1 risk-based capital ratio | 10.7789% | 4,992 |
| Total risk-based capital ratio | 12.0292% | 4,899 |
| Memoranda: | ||
| Average total assets | $3,086,090,750 | 313 |
| Average earning assets | $2,916,681,500 | 304 |
| Average equity | $287,681,500 | 357 |
| Average total loans | $2,416,020,250 | 293 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 2,468 |
| Cost of funding earning assets | 0.7078% | 3,125 |
| Net interest margin | 3.9551% | 2,078 |
| Noninterest income to average assets | 0.4840% | 2,761 |
| Noninterest expense to average assets | 2.7694% | 2,691 |
| Loan and lease loss provision to assets | 0.0362% | 3,094 |
| Net operating income to assets | 1.0875% | 2,573 |
| Return on assets (ROA) | 1.1086% | 2,562 |
| Pretax return on assets | 1.4479% | 2,043 |
| Return on Equity (ROE) | 12.0697% | 1,550 |
| Retained earnings to average equity (ytd only) | 10.0118% | 753 |
| Net charge-offs to loans | 0.0044% | 3,007 |
| Credit loss provision to net charge-offs | 1,047.1698% | 329 |
| Earnings coverage of net charge-offs (x) | 421.9057% | 179 |
| Efficiency ratio | 65.5194% | 2,886 |
| Assets per employee ($millions) | 5.7591% | 1,735 |
| Cash dividends to net income (ytd only)* | 17.0498% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,520 |
| Loan loss allowance to noncurrent loans | 261.7020% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 2,824 |
| Noncurrent loans to loans | 0.5434% | 2,640 |
| Net loans and leases to total assets | 75.1733% | 1,696 |
| Net loans and leases to deposits | 84.1265% | 2,484 |
| Net loans and leases to core deposits | 86.3218% | 2,934 |
| Total domestic deposits to total assets | 89.3574% | 518 |
| Equity capital to assets | 9.3187% | 4,560 |
| Core capital (leverage) ratio | 9.0874% | 4,565 |
| Tier 1 risk-based capital ratio | 10.7611% | 5,008 |
| Total risk-based capital ratio | 12.0120% | 4,921 |
| Memoranda: | ||
| Average total assets | $3,068,546,330 | 315 |
| Average earning assets | $2,903,810,000 | 307 |
| Average equity | $281,846,330 | 362 |
| Average total loans | $2,396,218,000 | 296 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6621% | 2,338 |
| Cost of funding earning assets | 0.6970% | 3,071 |
| Net interest margin | 3.9651% | 1,965 |
| Noninterest income to average assets | 0.4813% | 2,670 |
| Noninterest expense to average assets | 2.7560% | 2,722 |
| Loan and lease loss provision to assets | -0.0530% | 5,262 |
| Net operating income to assets | 1.1730% | 2,164 |
| Return on assets (ROA) | 1.1923% | 2,137 |
| Pretax return on assets | 1.5598% | 1,577 |
| Return on Equity (ROE) | 13.0807% | 1,188 |
| Retained earnings to average equity (ytd only) | 10.7550% | 859 |
| Net charge-offs to loans | -0.0471% | 4,814 |
| Credit loss provision to net charge-offs | 142.3488% | 1,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0234% | 3,081 |
| Assets per employee ($millions) | 6.0867% | 1,477 |
| Cash dividends to net income (ytd only)* | 17.7798% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,621 |
| Loan loss allowance to noncurrent loans | 305.2674% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 3,127 |
| Noncurrent loans to loans | 0.4633% | 2,924 |
| Net loans and leases to total assets | 76.4939% | 1,394 |
| Net loans and leases to deposits | 85.2883% | 2,218 |
| Net loans and leases to core deposits | 88.7925% | 2,610 |
| Total domestic deposits to total assets | 89.6885% | 566 |
| Equity capital to assets | 9.1240% | 4,595 |
| Core capital (leverage) ratio | 9.0445% | 4,626 |
| Tier 1 risk-based capital ratio | 10.6229% | 5,145 |
| Total risk-based capital ratio | 11.8737% | 5,039 |
| Memoranda: | ||
| Average total assets | $3,019,060,500 | 319 |
| Average earning assets | $2,860,682,500 | 313 |
| Average equity | $275,183,500 | 369 |
| Average total loans | $2,386,588,000 | 299 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 2,464 |
| Cost of funding earning assets | 0.4802% | 3,478 |
| Net interest margin | 4.0182% | 1,930 |
| Noninterest income to average assets | 0.5218% | 2,708 |
| Noninterest expense to average assets | 2.7978% | 2,702 |
| Loan and lease loss provision to assets | 0.0779% | 2,568 |
| Net operating income to assets | 1.1157% | 2,533 |
| Return on assets (ROA) | 1.0295% | 2,876 |
| Pretax return on assets | 1.3447% | 2,343 |
| Return on Equity (ROE) | 11.7022% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.0886% | 604 |
| Net charge-offs to loans | 0.0570% | 2,329 |
| Credit loss provision to net charge-offs | 170.8428% | 1,633 |
| Earnings coverage of net charge-offs (x) | 33.5923% | 1,489 |
| Efficiency ratio | 64.6208% | 3,096 |
| Assets per employee ($millions) | 5.8239% | 1,648 |
| Cash dividends to net income (ytd only)* | 13.7885% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 1,569 |
| Loan loss allowance to noncurrent loans | 287.2698% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 2,963 |
| Noncurrent loans to loans | 0.4934% | 2,795 |
| Net loans and leases to total assets | 79.4222% | 1,033 |
| Net loans and leases to deposits | 91.7912% | 1,573 |
| Net loans and leases to core deposits | 96.5260% | 2,013 |
| Total domestic deposits to total assets | 86.5248% | 2,004 |
| Equity capital to assets | 9.1054% | 4,483 |
| Core capital (leverage) ratio | 9.0631% | 4,590 |
| Tier 1 risk-based capital ratio | 10.5077% | 5,173 |
| Total risk-based capital ratio | 11.7588% | 5,073 |
| Memoranda: | ||
| Average total assets | $2,888,271,200 | 330 |
| Average earning assets | $2,737,012,600 | 321 |
| Average equity | $254,098,200 | 383 |
| Average total loans | $2,311,771,000 | 306 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 2,495 |
| Cost of funding earning assets | 0.4463% | 3,549 |
| Net interest margin | 3.9954% | 1,973 |
| Noninterest income to average assets | 0.5217% | 2,734 |
| Noninterest expense to average assets | 2.7949% | 2,651 |
| Loan and lease loss provision to assets | 0.1231% | 1,636 |
| Net operating income to assets | 1.0754% | 2,764 |
| Return on assets (ROA) | 1.0746% | 2,775 |
| Pretax return on assets | 1.3894% | 2,268 |
| Return on Equity (ROE) | 12.3259% | 1,670 |
| Retained earnings to average equity (ytd only) | 10.8335% | 688 |
| Net charge-offs to loans | 0.0599% | 1,967 |
| Credit loss provision to net charge-offs | 257.2816% | 1,148 |
| Earnings coverage of net charge-offs (x) | 31.6223% | 1,562 |
| Efficiency ratio | 64.8701% | 3,050 |
| Assets per employee ($millions) | 5.7582% | 1,682 |
| Cash dividends to net income (ytd only)* | 12.1081% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 1,366 |
| Loan loss allowance to noncurrent loans | 297.1775% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 3,076 |
| Noncurrent loans to loans | 0.5028% | 2,880 |
| Net loans and leases to total assets | 78.7578% | 1,206 |
| Net loans and leases to deposits | 87.1641% | 2,245 |
| Net loans and leases to core deposits | 93.9192% | 2,294 |
| Total domestic deposits to total assets | 90.3558% | 393 |
| Equity capital to assets | 8.8789% | 4,657 |
| Core capital (leverage) ratio | 8.8363% | 4,859 |
| Tier 1 risk-based capital ratio | 10.7201% | 5,162 |
| Total risk-based capital ratio | 11.9719% | 5,063 |
| Memoranda: | ||
| Average total assets | $2,869,249,500 | 331 |
| Average earning assets | $2,719,382,750 | 320 |
| Average equity | $250,143,500 | 385 |
| Average total loans | $2,292,662,000 | 307 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 2,522 |
| Cost of funding earning assets | 0.3982% | 3,732 |
| Net interest margin | 3.9676% | 1,973 |
| Noninterest income to average assets | 0.5237% | 2,726 |
| Noninterest expense to average assets | 2.8064% | 2,643 |
| Loan and lease loss provision to assets | 0.1328% | 1,488 |
| Net operating income to assets | 1.0460% | 2,829 |
| Return on assets (ROA) | 1.0459% | 2,821 |
| Pretax return on assets | 1.3435% | 2,349 |
| Return on Equity (ROE) | 12.0722% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.6205% | 760 |
| Net charge-offs to loans | 0.0016% | 3,155 |
| Credit loss provision to net charge-offs | 10,555.5556% | 37 |
| Earnings coverage of net charge-offs (x) | 1,173.7778% | 68 |
| Efficiency ratio | 65.5278% | 3,057 |
| Assets per employee ($millions) | 5.7081% | 1,712 |
| Cash dividends to net income (ytd only)* | 12.0257% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 1,354 |
| Loan loss allowance to noncurrent loans | 314.1658% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 3,232 |
| Noncurrent loans to loans | 0.4817% | 2,992 |
| Net loans and leases to total assets | 77.1808% | 1,444 |
| Net loans and leases to deposits | 85.1110% | 2,422 |
| Net loans and leases to core deposits | 93.3332% | 2,282 |
| Total domestic deposits to total assets | 90.6825% | 334 |
| Equity capital to assets | 8.5918% | 4,877 |
| Core capital (leverage) ratio | 8.8599% | 4,831 |
| Tier 1 risk-based capital ratio | 10.4160% | 5,306 |
| Total risk-based capital ratio | 11.6683% | 5,211 |
| Memoranda: | ||
| Average total assets | $2,862,131,330 | 332 |
| Average earning assets | $2,711,698,670 | 314 |
| Average equity | $247,973,670 | 386 |
| Average total loans | $2,286,512,330 | 302 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 2,486 |
| Cost of funding earning assets | 0.3781% | 3,751 |
| Net interest margin | 3.9291% | 1,932 |
| Noninterest income to average assets | 0.5367% | 2,603 |
| Noninterest expense to average assets | 2.7452% | 2,891 |
| Loan and lease loss provision to assets | 0.2265% | 696 |
| Net operating income to assets | 1.0109% | 2,818 |
| Return on assets (ROA) | 1.0105% | 2,840 |
| Pretax return on assets | 1.2843% | 2,428 |
| Return on Equity (ROE) | 11.6135% | 1,718 |
| Retained earnings to average equity (ytd only) | 9.9870% | 1,162 |
| Net charge-offs to loans | -0.0016% | 3,787 |
| Credit loss provision to net charge-offs | -17,777.7778% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4964% | 3,401 |
| Assets per employee ($millions) | 5.9061% | 1,594 |
| Cash dividends to net income (ytd only)* | 14.0056% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,437 |
| Loan loss allowance to noncurrent loans | 326.9937% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 3,336 |
| Noncurrent loans to loans | 0.4610% | 3,147 |
| Net loans and leases to total assets | 79.5665% | 1,002 |
| Net loans and leases to deposits | 87.6969% | 1,970 |
| Net loans and leases to core deposits | 110.7454% | 960 |
| Total domestic deposits to total assets | 90.7289% | 406 |
| Equity capital to assets | 8.6725% | 4,841 |
| Core capital (leverage) ratio | 8.7497% | 4,951 |
| Tier 1 risk-based capital ratio | 10.2066% | 5,443 |
| Total risk-based capital ratio | 11.4588% | 5,370 |
| Memoranda: | ||
| Average total assets | $2,826,215,500 | 333 |
| Average earning assets | $2,675,544,000 | 319 |
| Average equity | $245,920,000 | 394 |
| Average total loans | $2,280,142,500 | 303 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 2,701 |
| Cost of funding earning assets | 0.2625% | 4,458 |
| Net interest margin | 3.9332% | 1,977 |
| Noninterest income to average assets | 0.5559% | 2,677 |
| Noninterest expense to average assets | 2.8558% | 2,595 |
| Loan and lease loss provision to assets | 0.0538% | 3,159 |
| Net operating income to assets | 0.7318% | 3,465 |
| Return on assets (ROA) | 0.7491% | 3,434 |
| Pretax return on assets | 1.3833% | 2,045 |
| Return on Equity (ROE) | 8.3303% | 2,633 |
| Retained earnings to average equity (ytd only) | 7.0759% | 1,046 |
| Net charge-offs to loans | -0.0067% | 4,699 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9434% | 3,088 |
| Assets per employee ($millions) | 5.8213% | 1,638 |
| Cash dividends to net income (ytd only)* | 15.0587% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 1,581 |
| Loan loss allowance to noncurrent loans | 328.5258% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,444 |
| Noncurrent loans to loans | 0.4413% | 3,200 |
| Net loans and leases to total assets | 79.4034% | 1,056 |
| Net loans and leases to deposits | 91.6243% | 1,580 |
| Net loans and leases to core deposits | 111.8688% | 907 |
| Total domestic deposits to total assets | 86.6620% | 2,165 |
| Equity capital to assets | 8.7305% | 4,948 |
| Core capital (leverage) ratio | 8.7370% | 4,918 |
| Tier 1 risk-based capital ratio | 9.9279% | 5,550 |
| Total risk-based capital ratio | 11.1793% | 5,504 |
| Memoranda: | ||
| Average total assets | $2,659,583,200 | 331 |
| Average earning assets | $2,508,708,200 | 319 |
| Average equity | $239,150,000 | 387 |
| Average total loans | $2,135,704,000 | 303 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 2,797 |
| Cost of funding earning assets | 0.2449% | 4,611 |
| Net interest margin | 3.9040% | 2,030 |
| Noninterest income to average assets | 0.5578% | 2,679 |
| Noninterest expense to average assets | 2.8938% | 2,429 |
| Loan and lease loss provision to assets | 0.0829% | 2,429 |
| Net operating income to assets | 0.8640% | 3,207 |
| Return on assets (ROA) | 0.8808% | 3,173 |
| Pretax return on assets | 1.2875% | 2,557 |
| Return on Equity (ROE) | 9.7189% | 2,244 |
| Retained earnings to average equity (ytd only) | 8.5397% | 993 |
| Net charge-offs to loans | -0.0134% | 4,728 |
| Credit loss provision to net charge-offs | -768.8679% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2571% | 2,828 |
| Assets per employee ($millions) | 5.8864% | 1,583 |
| Cash dividends to net income (ytd only)* | 12.1331% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,513 |
| Loan loss allowance to noncurrent loans | 265.7058% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 3,201 |
| Noncurrent loans to loans | 0.5668% | 2,996 |
| Net loans and leases to total assets | 79.6235% | 1,039 |
| Net loans and leases to deposits | 94.2239% | 1,274 |
| Net loans and leases to core deposits | 110.9701% | 979 |
| Total domestic deposits to total assets | 84.5046% | 2,915 |
| Equity capital to assets | 9.0340% | 4,885 |
| Core capital (leverage) ratio | 8.9400% | 4,814 |
| Tier 1 risk-based capital ratio | 10.2683% | 5,522 |
| Total risk-based capital ratio | 11.5435% | 5,460 |
| Memoranda: | ||
| Average total assets | $2,620,102,250 | 337 |
| Average earning assets | $2,470,962,500 | 327 |
| Average equity | $237,442,000 | 392 |
| Average total loans | $2,102,102,000 | 305 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 2,869 |
| Cost of funding earning assets | 0.2347% | 4,685 |
| Net interest margin | 3.8522% | 2,086 |
| Noninterest income to average assets | 0.5588% | 2,663 |
| Noninterest expense to average assets | 2.9417% | 2,294 |
| Loan and lease loss provision to assets | 0.0313% | 3,370 |
| Net operating income to assets | 0.8585% | 3,121 |
| Return on assets (ROA) | 0.9002% | 2,967 |
| Pretax return on assets | 1.2781% | 2,467 |
| Return on Equity (ROE) | 9.9225% | 2,070 |
| Retained earnings to average equity (ytd only) | 8.8991% | 872 |
| Net charge-offs to loans | -0.0204% | 4,791 |
| Credit loss provision to net charge-offs | -191.9431% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1811% | 2,643 |
| Assets per employee ($millions) | 5.4325% | 1,937 |
| Cash dividends to net income (ytd only)* | 10.3137% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 1,540 |
| Loan loss allowance to noncurrent loans | 240.7201% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 3,092 |
| Noncurrent loans to loans | 0.6276% | 2,850 |
| Net loans and leases to total assets | 78.4230% | 1,175 |
| Net loans and leases to deposits | 88.4940% | 1,929 |
| Net loans and leases to core deposits | 105.4780% | 1,266 |
| Total domestic deposits to total assets | 88.6195% | 1,148 |
| Equity capital to assets | 9.1104% | 4,791 |
| Core capital (leverage) ratio | 8.9552% | 4,769 |
| Tier 1 risk-based capital ratio | 10.4402% | 5,486 |
| Total risk-based capital ratio | 11.7387% | 5,390 |
| Memoranda: | ||
| Average total assets | $2,585,000,330 | 346 |
| Average earning assets | $2,437,805,670 | 336 |
| Average equity | $234,518,330 | 396 |
| Average total loans | $2,068,386,000 | 312 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 2,828 |
| Cost of funding earning assets | 0.2144% | 4,845 |
| Net interest margin | 3.8408% | 1,983 |
| Noninterest income to average assets | 0.5580% | 2,620 |
| Noninterest expense to average assets | 3.0359% | 2,067 |
| Loan and lease loss provision to assets | 0.0196% | 3,318 |
| Net operating income to assets | 0.8596% | 2,946 |
| Return on assets (ROA) | 0.9240% | 2,703 |
| Pretax return on assets | 1.2165% | 2,523 |
| Return on Equity (ROE) | 10.2076% | 1,870 |
| Retained earnings to average equity (ytd only) | 8.6476% | 1,212 |
| Net charge-offs to loans | -0.0423% | 5,107 |
| Credit loss provision to net charge-offs | -57.8704% | 3,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5024% | 2,485 |
| Assets per employee ($millions) | 5.6287% | 1,783 |
| Cash dividends to net income (ytd only)* | 15.2827% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,568 |
| Loan loss allowance to noncurrent loans | 338.6021% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 3,745 |
| Noncurrent loans to loans | 0.4530% | 3,475 |
| Net loans and leases to total assets | 79.0701% | 971 |
| Net loans and leases to deposits | 89.3611% | 1,622 |
| Net loans and leases to core deposits | 107.5146% | 996 |
| Total domestic deposits to total assets | 88.4838% | 1,433 |
| Equity capital to assets | 9.0805% | 4,734 |
| Core capital (leverage) ratio | 8.9394% | 4,808 |
| Tier 1 risk-based capital ratio | 10.5041% | 5,536 |
| Total risk-based capital ratio | 11.8054% | 5,436 |
| Memoranda: | ||
| Average total assets | $2,549,255,500 | 350 |
| Average earning assets | $2,408,849,500 | 339 |
| Average equity | $230,769,000 | 398 |
| Average total loans | $2,044,951,000 | 314 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 2,908 |
| Cost of funding earning assets | 0.2028% | 4,988 |
| Net interest margin | 3.8837% | 2,015 |
| Noninterest income to average assets | 0.5581% | 2,871 |
| Noninterest expense to average assets | 2.9203% | 2,603 |
| Loan and lease loss provision to assets | 0.1245% | 1,992 |
| Net operating income to assets | 0.7873% | 3,366 |
| Return on assets (ROA) | 0.8096% | 3,368 |
| Pretax return on assets | 1.2077% | 2,631 |
| Return on Equity (ROE) | 9.0648% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.9949% | 594 |
| Net charge-offs to loans | 0.0342% | 3,347 |
| Credit loss provision to net charge-offs | 454.1730% | 710 |
| Earnings coverage of net charge-offs (x) | 47.3824% | 1,045 |
| Efficiency ratio | 69.2152% | 3,037 |
| Assets per employee ($millions) | 5.3979% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.7707% | 4,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 1,508 |
| Loan loss allowance to noncurrent loans | 330.4027% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 3,772 |
| Noncurrent loans to loans | 0.4686% | 3,469 |
| Net loans and leases to total assets | 78.8912% | 1,061 |
| Net loans and leases to deposits | 87.8180% | 1,950 |
| Net loans and leases to core deposits | 105.6582% | 1,150 |
| Total domestic deposits to total assets | 89.8349% | 706 |
| Equity capital to assets | 9.0238% | 4,790 |
| Core capital (leverage) ratio | 8.8669% | 4,890 |
| Tier 1 risk-based capital ratio | 10.4154% | 5,609 |
| Total risk-based capital ratio | 11.7149% | 5,528 |
| Memoranda: | ||
| Average total assets | $2,403,997,400 | 349 |
| Average earning assets | $2,266,186,800 | 338 |
| Average equity | $214,710,400 | 408 |
| Average total loans | $1,928,123,000 | 313 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 2,928 |
| Cost of funding earning assets | 0.2030% | 5,041 |
| Net interest margin | 3.8826% | 2,044 |
| Noninterest income to average assets | 0.5598% | 2,875 |
| Noninterest expense to average assets | 2.9061% | 2,628 |
| Loan and lease loss provision to assets | 0.1406% | 1,669 |
| Net operating income to assets | 0.7830% | 3,438 |
| Return on assets (ROA) | 0.8060% | 3,481 |
| Pretax return on assets | 1.2052% | 2,813 |
| Return on Equity (ROE) | 9.0487% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.0487% | 801 |
| Net charge-offs to loans | -0.0055% | 4,631 |
| Credit loss provision to net charge-offs | -3,208.9744% | 5,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9043% | 3,059 |
| Assets per employee ($millions) | 5.5152% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,513 |
| Loan loss allowance to noncurrent loans | 319.4357% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 3,823 |
| Noncurrent loans to loans | 0.4974% | 3,512 |
| Net loans and leases to total assets | 79.1825% | 1,013 |
| Net loans and leases to deposits | 88.0318% | 2,015 |
| Net loans and leases to core deposits | 106.3149% | 1,163 |
| Total domestic deposits to total assets | 89.9476% | 502 |
| Equity capital to assets | 9.2983% | 4,867 |
| Core capital (leverage) ratio | 8.9776% | 4,853 |
| Tier 1 risk-based capital ratio | 10.3903% | 5,663 |
| Total risk-based capital ratio | 11.6845% | 5,571 |
| Memoranda: | ||
| Average total assets | $2,373,444,000 | 351 |
| Average earning assets | $2,235,985,250 | 341 |
| Average equity | $211,398,000 | 413 |
| Average total loans | $1,904,079,000 | 312 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 2,811 |
| Cost of funding earning assets | 0.2055% | 5,085 |
| Net interest margin | 3.9063% | 1,963 |
| Noninterest income to average assets | 0.5614% | 2,843 |
| Noninterest expense to average assets | 2.9342% | 2,569 |
| Loan and lease loss provision to assets | 0.0954% | 2,247 |
| Net operating income to assets | 0.7992% | 3,316 |
| Return on assets (ROA) | 0.8028% | 3,434 |
| Pretax return on assets | 1.2135% | 2,733 |
| Return on Equity (ROE) | 9.1551% | 2,429 |
| Retained earnings to average equity (ytd only) | 9.1551% | 809 |
| Net charge-offs to loans | -0.0235% | 5,012 |
| Credit loss provision to net charge-offs | -507.7273% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2426% | 3,108 |
| Assets per employee ($millions) | 5.1655% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 1,536 |
| Loan loss allowance to noncurrent loans | 295.4435% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 3,819 |
| Noncurrent loans to loans | 0.5402% | 3,456 |
| Net loans and leases to total assets | 76.8948% | 1,355 |
| Net loans and leases to deposits | 85.5657% | 2,300 |
| Net loans and leases to core deposits | 100.7241% | 1,586 |
| Total domestic deposits to total assets | 89.8665% | 536 |
| Equity capital to assets | 9.2680% | 5,004 |
| Core capital (leverage) ratio | 9.2544% | 4,516 |
| Tier 1 risk-based capital ratio | 10.5554% | 5,650 |
| Total risk-based capital ratio | 11.8441% | 5,546 |
| Memoranda: | ||
| Average total assets | $2,340,994,670 | 354 |
| Average earning assets | $2,203,133,670 | 346 |
| Average equity | $205,283,670 | 425 |
| Average total loans | $1,876,097,000 | 313 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 2,574 |
| Cost of funding earning assets | 0.2131% | 5,076 |
| Net interest margin | 3.9589% | 1,750 |
| Noninterest income to average assets | 0.5488% | 2,813 |
| Noninterest expense to average assets | 2.9342% | 2,594 |
| Loan and lease loss provision to assets | 0.1481% | 1,428 |
| Net operating income to assets | 0.8001% | 3,251 |
| Return on assets (ROA) | 0.8003% | 3,365 |
| Pretax return on assets | 1.1937% | 2,732 |
| Return on Equity (ROE) | 9.4107% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.4107% | 998 |
| Net charge-offs to loans | -0.0112% | 4,575 |
| Credit loss provision to net charge-offs | -1,634.6154% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6247% | 3,357 |
| Assets per employee ($millions) | 5.3596% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 1,596 |
| Loan loss allowance to noncurrent loans | 265.5362% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 3,644 |
| Noncurrent loans to loans | 0.6038% | 3,367 |
| Net loans and leases to total assets | 79.6470% | 869 |
| Net loans and leases to deposits | 87.8171% | 1,851 |
| Net loans and leases to core deposits | 106.2078% | 1,065 |
| Total domestic deposits to total assets | 90.6965% | 363 |
| Equity capital to assets | 8.6095% | 5,483 |
| Core capital (leverage) ratio | 8.3244% | 5,546 |
| Tier 1 risk-based capital ratio | 9.5543% | 6,002 |
| Total risk-based capital ratio | 10.8413% | 5,972 |
| Memoranda: | ||
| Average total assets | $2,295,017,500 | 356 |
| Average earning assets | $2,160,514,500 | 348 |
| Average equity | $195,182,500 | 438 |
| Average total loans | $1,863,567,000 | 312 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 2,768 |
| Cost of funding earning assets | 0.2027% | 5,265 |
| Net interest margin | 3.9384% | 1,904 |
| Noninterest income to average assets | 0.6000% | 2,716 |
| Noninterest expense to average assets | 3.0365% | 2,429 |
| Loan and lease loss provision to assets | 0.1521% | 1,547 |
| Net operating income to assets | 0.7481% | 3,586 |
| Return on assets (ROA) | 0.8042% | 3,398 |
| Pretax return on assets | 1.2115% | 2,616 |
| Return on Equity (ROE) | 9.3872% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.3872% | 563 |
| Net charge-offs to loans | 0.0789% | 2,688 |
| Credit loss provision to net charge-offs | 236.7391% | 1,207 |
| Earnings coverage of net charge-offs (x) | 19.9022% | 1,914 |
| Efficiency ratio | 70.3712% | 3,163 |
| Assets per employee ($millions) | 5.2539% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,767 |
| Loan loss allowance to noncurrent loans | 209.2778% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 3,255 |
| Noncurrent loans to loans | 0.7445% | 2,946 |
| Net loans and leases to total assets | 80.1892% | 825 |
| Net loans and leases to deposits | 90.6862% | 1,538 |
| Net loans and leases to core deposits | 109.6003% | 875 |
| Total domestic deposits to total assets | 88.4249% | 1,419 |
| Equity capital to assets | 8.3988% | 5,629 |
| Core capital (leverage) ratio | 8.2546% | 5,639 |
| Tier 1 risk-based capital ratio | 9.2478% | 6,081 |
| Total risk-based capital ratio | 10.5369% | 6,070 |
| Memoranda: | ||
| Average total assets | $2,148,244,200 | 365 |
| Average earning assets | $2,026,386,600 | 352 |
| Average equity | $184,048,600 | 444 |
| Average total loans | $1,749,939,200 | 311 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 2,799 |
| Cost of funding earning assets | 0.2049% | 5,335 |
| Net interest margin | 3.9287% | 1,938 |
| Noninterest income to average assets | 0.5933% | 2,782 |
| Noninterest expense to average assets | 3.0629% | 2,324 |
| Loan and lease loss provision to assets | 0.1325% | 1,689 |
| Net operating income to assets | 0.7266% | 3,778 |
| Return on assets (ROA) | 0.7833% | 3,591 |
| Pretax return on assets | 1.1900% | 2,856 |
| Return on Equity (ROE) | 9.0950% | 2,531 |
| Retained earnings to average equity (ytd only) | 9.0950% | 871 |
| Net charge-offs to loans | 0.0845% | 2,340 |
| Credit loss provision to net charge-offs | 192.4840% | 1,377 |
| Earnings coverage of net charge-offs (x) | 17.9688% | 2,027 |
| Efficiency ratio | 71.2412% | 3,007 |
| Assets per employee ($millions) | 5.1776% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 1,889 |
| Loan loss allowance to noncurrent loans | 194.6578% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 3,281 |
| Noncurrent loans to loans | 0.8064% | 2,953 |
| Net loans and leases to total assets | 80.3441% | 772 |
| Net loans and leases to deposits | 89.6625% | 1,693 |
| Net loans and leases to core deposits | 104.8029% | 1,184 |
| Total domestic deposits to total assets | 89.6073% | 731 |
| Equity capital to assets | 8.5574% | 5,672 |
| Core capital (leverage) ratio | 8.3754% | 5,648 |
| Tier 1 risk-based capital ratio | 9.3991% | 6,158 |
| Total risk-based capital ratio | 10.6869% | 6,132 |
| Memoranda: | ||
| Average total assets | $2,113,949,000 | 375 |
| Average earning assets | $1,994,184,750 | 362 |
| Average equity | $182,073,500 | 451 |
| Average total loans | $1,722,006,000 | 318 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 2,838 |
| Cost of funding earning assets | 0.2067% | 5,382 |
| Net interest margin | 3.9098% | 1,940 |
| Noninterest income to average assets | 0.6038% | 2,712 |
| Noninterest expense to average assets | 3.0694% | 2,336 |
| Loan and lease loss provision to assets | 0.1773% | 1,164 |
| Net operating income to assets | 0.6813% | 3,972 |
| Return on assets (ROA) | 0.7658% | 3,658 |
| Pretax return on assets | 1.1752% | 2,879 |
| Return on Equity (ROE) | 8.8707% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.8707% | 971 |
| Net charge-offs to loans | 0.0952% | 2,066 |
| Credit loss provision to net charge-offs | 228.6774% | 1,112 |
| Earnings coverage of net charge-offs (x) | 15.7676% | 1,954 |
| Efficiency ratio | 71.5160% | 3,068 |
| Assets per employee ($millions) | 4.7806% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 1,845 |
| Loan loss allowance to noncurrent loans | 175.9575% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 3,172 |
| Noncurrent loans to loans | 0.9210% | 2,827 |
| Net loans and leases to total assets | 78.7742% | 965 |
| Net loans and leases to deposits | 87.0641% | 1,933 |
| Net loans and leases to core deposits | 101.7491% | 1,350 |
| Total domestic deposits to total assets | 90.4784% | 464 |
| Equity capital to assets | 8.4206% | 5,744 |
| Core capital (leverage) ratio | 8.4406% | 5,588 |
| Tier 1 risk-based capital ratio | 9.9115% | 6,116 |
| Total risk-based capital ratio | 11.2315% | 6,051 |
| Memoranda: | ||
| Average total assets | $2,086,828,000 | 377 |
| Average earning assets | $1,968,527,000 | 364 |
| Average equity | $180,144,330 | 457 |
| Average total loans | $1,698,697,000 | 318 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 2,685 |
| Cost of funding earning assets | 0.2101% | 5,417 |
| Net interest margin | 3.9273% | 1,796 |
| Noninterest income to average assets | 0.6275% | 2,511 |
| Noninterest expense to average assets | 3.0990% | 2,273 |
| Loan and lease loss provision to assets | 0.1222% | 1,701 |
| Net operating income to assets | 0.7679% | 3,438 |
| Return on assets (ROA) | 0.8894% | 2,919 |
| Pretax return on assets | 1.2853% | 2,342 |
| Return on Equity (ROE) | 10.1702% | 1,922 |
| Retained earnings to average equity (ytd only) | 10.1702% | 874 |
| Net charge-offs to loans | -0.0136% | 4,864 |
| Credit loss provision to net charge-offs | -1,096.4912% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5628% | 3,238 |
| Assets per employee ($millions) | 5.0457% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 1,876 |
| Loan loss allowance to noncurrent loans | 154.1101% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.8776% | 2,884 |
| Noncurrent loans to loans | 1.0718% | 2,619 |
| Net loans and leases to total assets | 80.0223% | 682 |
| Net loans and leases to deposits | 88.5258% | 1,554 |
| Net loans and leases to core deposits | 104.2392% | 1,051 |
| Total domestic deposits to total assets | 90.3943% | 568 |
| Equity capital to assets | 8.7739% | 5,526 |
| Core capital (leverage) ratio | 8.4560% | 5,567 |
| Tier 1 risk-based capital ratio | 10.0629% | 6,158 |
| Total risk-based capital ratio | 11.3957% | 6,073 |
| Memoranda: | ||
| Average total assets | $2,045,046,500 | 380 |
| Average earning assets | $1,928,263,000 | 367 |
| Average equity | $178,837,000 | 460 |
| Average total loans | $1,679,110,000 | 320 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,700 |
| Cost of funding earning assets | 0.2252% | 5,557 |
| Net interest margin | 4.0478% | 1,746 |
| Noninterest income to average assets | 0.6302% | 2,675 |
| Noninterest expense to average assets | 3.2125% | 2,178 |
| Loan and lease loss provision to assets | 0.0724% | 3,033 |
| Net operating income to assets | 0.7533% | 3,616 |
| Return on assets (ROA) | 0.8088% | 3,418 |
| Pretax return on assets | 1.2249% | 2,549 |
| Return on Equity (ROE) | 9.2322% | 2,467 |
| Retained earnings to average equity (ytd only) | 8.1356% | 971 |
| Net charge-offs to loans | 0.0780% | 3,376 |
| Credit loss provision to net charge-offs | 112.4093% | 2,112 |
| Earnings coverage of net charge-offs (x) | 18.8276% | 1,818 |
| Efficiency ratio | 72.5869% | 3,107 |
| Assets per employee ($millions) | 4.8474% | 2,537 |
| Cash dividends to net income (ytd only)* | 11.8772% | 4,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 2,032 |
| Loan loss allowance to noncurrent loans | 158.2230% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 2,978 |
| Noncurrent loans to loans | 1.0234% | 2,780 |
| Net loans and leases to total assets | 81.5218% | 575 |
| Net loans and leases to deposits | 93.1388% | 1,169 |
| Net loans and leases to core deposits | 108.4742% | 862 |
| Total domestic deposits to total assets | 87.5272% | 2,019 |
| Equity capital to assets | 8.7151% | 5,566 |
| Core capital (leverage) ratio | 8.3483% | 5,728 |
| Tier 1 risk-based capital ratio | 9.8578% | 6,296 |
| Total risk-based capital ratio | 11.1899% | 6,230 |
| Memoranda: | ||
| Average total assets | $1,925,829,400 | 383 |
| Average earning assets | $1,805,828,200 | 368 |
| Average equity | $168,714,600 | 470 |
| Average total loans | $1,591,498,800 | 318 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2568% | 2,786 |
| Cost of funding earning assets | 0.2293% | 5,594 |
| Net interest margin | 4.0275% | 1,797 |
| Noninterest income to average assets | 0.6314% | 2,680 |
| Noninterest expense to average assets | 3.1727% | 2,258 |
| Loan and lease loss provision to assets | 0.0817% | 2,719 |
| Net operating income to assets | 0.7575% | 3,635 |
| Return on assets (ROA) | 0.7959% | 3,548 |
| Pretax return on assets | 1.2080% | 2,744 |
| Return on Equity (ROE) | 9.0721% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.0732% | 1,324 |
| Net charge-offs to loans | 0.0936% | 2,875 |
| Credit loss provision to net charge-offs | 105.6210% | 2,106 |
| Earnings coverage of net charge-offs (x) | 15.9266% | 2,023 |
| Efficiency ratio | 72.0382% | 3,168 |
| Assets per employee ($millions) | 4.7733% | 2,558 |
| Cash dividends to net income (ytd only)* | 11.0103% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 2,054 |
| Loan loss allowance to noncurrent loans | 163.4160% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 3,219 |
| Noncurrent loans to loans | 1.0245% | 3,021 |
| Net loans and leases to total assets | 80.9134% | 621 |
| Net loans and leases to deposits | 89.7338% | 1,451 |
| Net loans and leases to core deposits | 102.9948% | 1,151 |
| Total domestic deposits to total assets | 90.1705% | 655 |
| Equity capital to assets | 8.7795% | 5,568 |
| Core capital (leverage) ratio | 8.4699% | 5,684 |
| Tier 1 risk-based capital ratio | 10.0011% | 6,347 |
| Total risk-based capital ratio | 11.3549% | 6,285 |
| Memoranda: | ||
| Average total assets | $1,901,945,250 | 382 |
| Average earning assets | $1,781,640,750 | 371 |
| Average equity | $166,852,000 | 469 |
| Average total loans | $1,570,629,750 | 318 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 2,802 |
| Cost of funding earning assets | 0.2335% | 5,637 |
| Net interest margin | 4.0076% | 1,784 |
| Noninterest income to average assets | 0.6203% | 2,710 |
| Noninterest expense to average assets | 3.2062% | 2,176 |
| Loan and lease loss provision to assets | 0.0425% | 3,468 |
| Net operating income to assets | 0.7331% | 3,659 |
| Return on assets (ROA) | 0.7756% | 3,548 |
| Pretax return on assets | 1.1846% | 2,739 |
| Return on Equity (ROE) | 8.8431% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.4190% | 1,168 |
| Net charge-offs to loans | 0.1078% | 2,598 |
| Credit loss provision to net charge-offs | 47.6758% | 2,825 |
| Earnings coverage of net charge-offs (x) | 13.0298% | 2,007 |
| Efficiency ratio | 73.4028% | 3,086 |
| Assets per employee ($millions) | 4.5255% | 2,883 |
| Cash dividends to net income (ytd only)* | 4.7958% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 2,250 |
| Loan loss allowance to noncurrent loans | 147.7554% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 3,208 |
| Noncurrent loans to loans | 1.1265% | 2,968 |
| Net loans and leases to total assets | 81.1073% | 561 |
| Net loans and leases to deposits | 89.7076% | 1,399 |
| Net loans and leases to core deposits | 104.2540% | 997 |
| Total domestic deposits to total assets | 90.4130% | 615 |
| Equity capital to assets | 8.7661% | 5,554 |
| Core capital (leverage) ratio | 8.5597% | 5,576 |
| Tier 1 risk-based capital ratio | 9.9054% | 6,425 |
| Total risk-based capital ratio | 11.2677% | 6,354 |
| Memoranda: | ||
| Average total assets | $1,881,980,330 | 381 |
| Average earning assets | $1,759,888,670 | 370 |
| Average equity | $165,056,000 | 470 |
| Average total loans | $1,556,033,000 | 316 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 2,771 |
| Cost of funding earning assets | 0.2356% | 5,704 |
| Net interest margin | 3.9922% | 1,800 |
| Noninterest income to average assets | 0.6146% | 2,649 |
| Noninterest expense to average assets | 3.1816% | 2,287 |
| Loan and lease loss provision to assets | 0.0431% | 3,235 |
| Net operating income to assets | 0.7613% | 3,352 |
| Return on assets (ROA) | 0.8318% | 3,064 |
| Pretax return on assets | 1.2327% | 2,337 |
| Return on Equity (ROE) | 9.4814% | 2,261 |
| Retained earnings to average equity (ytd only) | 8.6220% | 1,376 |
| Net charge-offs to loans | 0.2589% | 1,297 |
| Credit loss provision to net charge-offs | 20.1005% | 2,497 |
| Earnings coverage of net charge-offs (x) | 5.4613% | 2,368 |
| Efficiency ratio | 73.1030% | 3,295 |
| Assets per employee ($millions) | 4.6265% | 2,761 |
| Cash dividends to net income (ytd only)* | 9.0650% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6897% | 2,389 |
| Loan loss allowance to noncurrent loans | 153.6006% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9200% | 3,430 |
| Noncurrent loans to loans | 1.1000% | 3,221 |
| Net loans and leases to total assets | 81.6734% | 379 |
| Net loans and leases to deposits | 90.6833% | 1,070 |
| Net loans and leases to core deposits | 105.3617% | 779 |
| Total domestic deposits to total assets | 90.0645% | 1,037 |
| Equity capital to assets | 8.8473% | 5,277 |
| Core capital (leverage) ratio | 8.5183% | 5,615 |
| Tier 1 risk-based capital ratio | 9.9652% | 6,486 |
| Total risk-based capital ratio | 11.3152% | 6,430 |
| Memoranda: | ||
| Average total assets | $1,856,777,500 | 388 |
| Average earning assets | $1,738,406,000 | 378 |
| Average equity | $162,886,500 | 474 |
| Average total loans | $1,537,132,500 | 320 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 2,679 |
| Cost of funding earning assets | 0.2531% | 5,943 |
| Net interest margin | 4.1188% | 1,593 |
| Noninterest income to average assets | 0.6804% | 2,645 |
| Noninterest expense to average assets | 3.1647% | 2,534 |
| Loan and lease loss provision to assets | 0.1865% | 1,978 |
| Net operating income to assets | 0.7784% | 3,398 |
| Return on assets (ROA) | 0.8249% | 3,249 |
| Pretax return on assets | 1.2435% | 2,401 |
| Return on Equity (ROE) | 9.3803% | 2,376 |
| Retained earnings to average equity (ytd only) | 8.7659% | 828 |
| Net charge-offs to loans | 0.0392% | 4,679 |
| Credit loss provision to net charge-offs | 579.3286% | 408 |
| Earnings coverage of net charge-offs (x) | 42.2350% | 904 |
| Efficiency ratio | 69.9493% | 3,844 |
| Assets per employee ($millions) | 4.5656% | 2,785 |
| Cash dividends to net income (ytd only)* | 6.5499% | 4,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 2,167 |
| Loan loss allowance to noncurrent loans | 147.0072% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.9982% | 3,417 |
| Noncurrent loans to loans | 1.2026% | 3,141 |
| Net loans and leases to total assets | 81.0320% | 492 |
| Net loans and leases to deposits | 91.5455% | 1,106 |
| Net loans and leases to core deposits | 104.0482% | 905 |
| Total domestic deposits to total assets | 88.5155% | 1,901 |
| Equity capital to assets | 8.6971% | 5,371 |
| Core capital (leverage) ratio | 8.4270% | 5,747 |
| Tier 1 risk-based capital ratio | 9.9334% | 6,532 |
| Total risk-based capital ratio | 11.2838% | 6,470 |
| Memoranda: | ||
| Average total assets | $1,758,281,400 | 392 |
| Average earning assets | $1,640,922,200 | 384 |
| Average equity | $154,621,600 | 482 |
| Average total loans | $1,445,244,800 | 317 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 2,690 |
| Cost of funding earning assets | 0.2584% | 6,022 |
| Net interest margin | 4.1113% | 1,597 |
| Noninterest income to average assets | 0.6859% | 2,695 |
| Noninterest expense to average assets | 3.1901% | 2,396 |
| Loan and lease loss provision to assets | 0.1460% | 2,454 |
| Net operating income to assets | 0.7812% | 3,451 |
| Return on assets (ROA) | 0.8335% | 3,302 |
| Pretax return on assets | 1.2606% | 2,477 |
| Return on Equity (ROE) | 9.4506% | 2,422 |
| Retained earnings to average equity (ytd only) | 8.6231% | 1,187 |
| Net charge-offs to loans | 0.0145% | 4,843 |
| Credit loss provision to net charge-offs | 1,225.8065% | 261 |
| Earnings coverage of net charge-offs (x) | 111.4718% | 457 |
| Efficiency ratio | 70.6176% | 3,654 |
| Assets per employee ($millions) | 4.7577% | 2,495 |
| Cash dividends to net income (ytd only)* | 8.7558% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 2,410 |
| Loan loss allowance to noncurrent loans | 130.3143% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 3,466 |
| Noncurrent loans to loans | 1.3538% | 3,157 |
| Net loans and leases to total assets | 79.0379% | 645 |
| Net loans and leases to deposits | 87.4818% | 1,429 |
| Net loans and leases to core deposits | 99.7088% | 1,139 |
| Total domestic deposits to total assets | 90.3477% | 818 |
| Equity capital to assets | 8.5847% | 5,642 |
| Core capital (leverage) ratio | 8.4666% | 5,801 |
| Tier 1 risk-based capital ratio | 9.9748% | 6,602 |
| Total risk-based capital ratio | 11.3087% | 6,551 |
| Memoranda: | ||
| Average total assets | $1,735,582,250 | 399 |
| Average earning assets | $1,617,478,750 | 389 |
| Average equity | $153,072,750 | 489 |
| Average total loans | $1,425,228,250 | 326 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 2,536 |
| Cost of funding earning assets | 0.2669% | 6,060 |
| Net interest margin | 4.1399% | 1,435 |
| Noninterest income to average assets | 0.7002% | 2,639 |
| Noninterest expense to average assets | 3.2610% | 2,186 |
| Loan and lease loss provision to assets | 0.1546% | 2,383 |
| Net operating income to assets | 0.7499% | 3,568 |
| Return on assets (ROA) | 0.8233% | 3,338 |
| Pretax return on assets | 1.2494% | 2,486 |
| Return on Equity (ROE) | 9.2470% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.1263% | 1,434 |
| Net charge-offs to loans | -0.0142% | 5,861 |
| Credit loss provision to net charge-offs | -1,317.0000% | 6,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6116% | 3,536 |
| Assets per employee ($millions) | 4.5401% | 2,758 |
| Cash dividends to net income (ytd only)* | 12.1203% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 2,534 |
| Loan loss allowance to noncurrent loans | 119.0456% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.2383% | 3,274 |
| Noncurrent loans to loans | 1.4859% | 3,080 |
| Net loans and leases to total assets | 81.3475% | 401 |
| Net loans and leases to deposits | 90.2274% | 1,126 |
| Net loans and leases to core deposits | 101.0569% | 999 |
| Total domestic deposits to total assets | 90.1583% | 947 |
| Equity capital to assets | 8.7459% | 5,492 |
| Core capital (leverage) ratio | 8.5478% | 5,613 |
| Tier 1 risk-based capital ratio | 9.8791% | 6,660 |
| Total risk-based capital ratio | 11.1932% | 6,626 |
| Memoranda: | ||
| Average total assets | $1,703,533,670 | 405 |
| Average earning assets | $1,585,676,000 | 400 |
| Average equity | $151,681,000 | 491 |
| Average total loans | $1,409,051,670 | 324 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 2,401 |
| Cost of funding earning assets | 0.2764% | 6,124 |
| Net interest margin | 4.1595% | 1,303 |
| Noninterest income to average assets | 0.7204% | 2,482 |
| Noninterest expense to average assets | 3.1882% | 2,384 |
| Loan and lease loss provision to assets | 0.1865% | 1,977 |
| Net operating income to assets | 0.8277% | 3,011 |
| Return on assets (ROA) | 0.9055% | 2,774 |
| Pretax return on assets | 1.3315% | 2,119 |
| Return on Equity (ROE) | 10.0764% | 2,033 |
| Retained earnings to average equity (ytd only) | 9.0160% | 1,379 |
| Net charge-offs to loans | 0.0061% | 4,039 |
| Credit loss provision to net charge-offs | 3,728.5714% | 78 |
| Earnings coverage of net charge-offs (x) | 280.5714% | 130 |
| Efficiency ratio | 69.4319% | 4,071 |
| Assets per employee ($millions) | 4.5152% | 2,938 |
| Cash dividends to net income (ytd only)* | 10.5235% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 2,706 |
| Loan loss allowance to noncurrent loans | 125.9047% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.1833% | 3,593 |
| Noncurrent loans to loans | 1.4115% | 3,449 |
| Net loans and leases to total assets | 81.6596% | 295 |
| Net loans and leases to deposits | 93.1188% | 719 |
| Net loans and leases to core deposits | 101.4482% | 862 |
| Total domestic deposits to total assets | 87.6940% | 2,522 |
| Equity capital to assets | 9.0099% | 5,471 |
| Core capital (leverage) ratio | 8.6314% | 5,419 |
| Tier 1 risk-based capital ratio | 10.0401% | 6,686 |
| Total risk-based capital ratio | 11.3692% | 6,658 |
| Memoranda: | ||
| Average total assets | $1,679,065,000 | 418 |
| Average earning assets | $1,562,779,000 | 408 |
| Average equity | $150,887,000 | 497 |
| Average total loans | $1,387,946,500 | 328 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6814% | 2,674 |
| Cost of funding earning assets | 0.3610% | 6,154 |
| Net interest margin | 4.3204% | 1,352 |
| Noninterest income to average assets | 0.7130% | 2,654 |
| Noninterest expense to average assets | 3.3072% | 2,313 |
| Loan and lease loss provision to assets | 0.1727% | 3,465 |
| Net operating income to assets | 0.8216% | 3,176 |
| Return on assets (ROA) | 0.8315% | 3,385 |
| Pretax return on assets | 1.2437% | 2,622 |
| Return on Equity (ROE) | 9.2404% | 2,522 |
| Retained earnings to average equity (ytd only) | 7.6008% | 1,279 |
| Net charge-offs to loans | 0.1280% | 4,403 |
| Credit loss provision to net charge-offs | 166.0628% | 1,607 |
| Earnings coverage of net charge-offs (x) | 13.4801% | 1,820 |
| Efficiency ratio | 70.2352% | 3,765 |
| Assets per employee ($millions) | 4.5120% | 2,932 |
| Cash dividends to net income (ytd only)* | 17.7439% | 3,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7727% | 2,678 |
| Loan loss allowance to noncurrent loans | 112.3026% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3272% | 3,428 |
| Noncurrent loans to loans | 1.5785% | 3,252 |
| Net loans and leases to total assets | 80.7219% | 401 |
| Net loans and leases to deposits | 91.0807% | 975 |
| Net loans and leases to core deposits | 99.3508% | 1,061 |
| Total domestic deposits to total assets | 88.6268% | 1,820 |
| Equity capital to assets | 8.9624% | 5,563 |
| Core capital (leverage) ratio | 8.5883% | 5,476 |
| Tier 1 risk-based capital ratio | 10.0936% | 6,675 |
| Total risk-based capital ratio | 11.4019% | 6,624 |
| Memoranda: | ||
| Average total assets | $1,592,720,400 | 428 |
| Average earning assets | $1,473,069,800 | 416 |
| Average equity | $143,326,400 | 508 |
| Average total loans | $1,293,312,800 | 336 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 2,746 |
| Cost of funding earning assets | 0.3825% | 6,208 |
| Net interest margin | 4.3320% | 1,392 |
| Noninterest income to average assets | 0.7012% | 2,709 |
| Noninterest expense to average assets | 3.2707% | 2,354 |
| Loan and lease loss provision to assets | 0.1820% | 3,318 |
| Net operating income to assets | 0.8183% | 3,353 |
| Return on assets (ROA) | 0.8292% | 3,550 |
| Pretax return on assets | 1.2677% | 2,720 |
| Return on Equity (ROE) | 9.2046% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.3717% | 1,909 |
| Net charge-offs to loans | 0.1444% | 3,957 |
| Credit loss provision to net charge-offs | 155.7971% | 1,807 |
| Earnings coverage of net charge-offs (x) | 12.2645% | 2,012 |
| Efficiency ratio | 69.5336% | 3,782 |
| Assets per employee ($millions) | 4.5214% | 2,878 |
| Cash dividends to net income (ytd only)* | 19.9122% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8350% | 2,693 |
| Loan loss allowance to noncurrent loans | 102.6510% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.5007% | 3,341 |
| Noncurrent loans to loans | 1.7877% | 3,092 |
| Net loans and leases to total assets | 78.2116% | 709 |
| Net loans and leases to deposits | 87.0384% | 1,479 |
| Net loans and leases to core deposits | 94.9198% | 1,496 |
| Total domestic deposits to total assets | 89.8588% | 920 |
| Equity capital to assets | 8.9335% | 5,887 |
| Core capital (leverage) ratio | 8.5284% | 5,713 |
| Tier 1 risk-based capital ratio | 10.2031% | 6,749 |
| Total risk-based capital ratio | 11.5097% | 6,713 |
| Memoranda: | ||
| Average total assets | $1,574,669,500 | 431 |
| Average earning assets | $1,454,925,750 | 418 |
| Average equity | $141,853,750 | 511 |
| Average total loans | $1,274,588,000 | 343 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7399% | 2,757 |
| Cost of funding earning assets | 0.4080% | 6,226 |
| Net interest margin | 4.3319% | 1,389 |
| Noninterest income to average assets | 0.7079% | 2,627 |
| Noninterest expense to average assets | 3.2991% | 2,303 |
| Loan and lease loss provision to assets | 0.1737% | 3,369 |
| Net operating income to assets | 0.8274% | 3,261 |
| Return on assets (ROA) | 0.8409% | 3,459 |
| Pretax return on assets | 1.2663% | 2,663 |
| Return on Equity (ROE) | 9.3078% | 2,666 |
| Retained earnings to average equity (ytd only) | 7.8120% | 1,715 |
| Net charge-offs to loans | 0.2189% | 3,259 |
| Credit loss provision to net charge-offs | 97.5434% | 2,841 |
| Earnings coverage of net charge-offs (x) | 7.9697% | 2,381 |
| Efficiency ratio | 69.9160% | 3,783 |
| Assets per employee ($millions) | 4.3512% | 3,164 |
| Cash dividends to net income (ytd only)* | 16.0698% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7893% | 2,887 |
| Loan loss allowance to noncurrent loans | 92.6857% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.6079% | 3,309 |
| Noncurrent loans to loans | 1.9306% | 3,026 |
| Net loans and leases to total assets | 78.6295% | 659 |
| Net loans and leases to deposits | 87.3114% | 1,441 |
| Net loans and leases to core deposits | 94.8269% | 1,520 |
| Total domestic deposits to total assets | 90.0564% | 892 |
| Equity capital to assets | 8.8789% | 5,830 |
| Core capital (leverage) ratio | 8.6292% | 5,476 |
| Tier 1 risk-based capital ratio | 10.1086% | 6,796 |
| Total risk-based capital ratio | 11.3982% | 6,771 |
| Memoranda: | ||
| Average total assets | $1,553,978,330 | 434 |
| Average earning assets | $1,438,817,330 | 424 |
| Average equity | $140,399,000 | 508 |
| Average total loans | $1,264,766,330 | 349 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 2,702 |
| Cost of funding earning assets | 0.4403% | 6,207 |
| Net interest margin | 4.3423% | 1,350 |
| Noninterest income to average assets | 0.7418% | 2,439 |
| Noninterest expense to average assets | 3.3482% | 2,152 |
| Loan and lease loss provision to assets | 0.0787% | 4,418 |
| Net operating income to assets | 0.9163% | 2,843 |
| Return on assets (ROA) | 0.9248% | 3,021 |
| Pretax return on assets | 1.3479% | 2,367 |
| Return on Equity (ROE) | 10.1430% | 2,344 |
| Retained earnings to average equity (ytd only) | 7.8398% | 2,040 |
| Net charge-offs to loans | 0.2728% | 2,581 |
| Credit loss provision to net charge-offs | 35.1700% | 3,533 |
| Earnings coverage of net charge-offs (x) | 6.3165% | 2,231 |
| Efficiency ratio | 70.3026% | 3,758 |
| Assets per employee ($millions) | 4.3800% | 3,232 |
| Cash dividends to net income (ytd only)* | 22.7079% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8066% | 2,970 |
| Loan loss allowance to noncurrent loans | 87.3599% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.7427% | 3,247 |
| Noncurrent loans to loans | 2.0680% | 3,066 |
| Net loans and leases to total assets | 78.8043% | 514 |
| Net loans and leases to deposits | 87.4407% | 1,237 |
| Net loans and leases to core deposits | 94.7613% | 1,394 |
| Total domestic deposits to total assets | 90.1232% | 1,015 |
| Equity capital to assets | 9.0071% | 5,482 |
| Core capital (leverage) ratio | 8.8164% | 5,112 |
| Tier 1 risk-based capital ratio | 10.1985% | 6,829 |
| Total risk-based capital ratio | 11.5063% | 6,809 |
| Memoranda: | ||
| Average total assets | $1,523,826,000 | 439 |
| Average earning assets | $1,410,950,000 | 432 |
| Average equity | $138,933,000 | 513 |
| Average total loans | $1,250,935,000 | 352 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 2,878 |
| Cost of funding earning assets | 0.5535% | 6,324 |
| Net interest margin | 4.4474% | 1,270 |
| Noninterest income to average assets | 0.7232% | 2,482 |
| Noninterest expense to average assets | 3.3387% | 2,393 |
| Loan and lease loss provision to assets | 0.3570% | 2,866 |
| Net operating income to assets | 0.8091% | 2,999 |
| Return on assets (ROA) | 0.8475% | 2,987 |
| Pretax return on assets | 1.2013% | 2,450 |
| Return on Equity (ROE) | 9.3491% | 2,308 |
| Retained earnings to average equity (ytd only) | 7.0760% | 1,463 |
| Net charge-offs to loans | 0.1220% | 5,168 |
| Credit loss provision to net charge-offs | 357.9201% | 647 |
| Earnings coverage of net charge-offs (x) | 15.0820% | 1,416 |
| Efficiency ratio | 68.9407% | 4,168 |
| Assets per employee ($millions) | 4.2893% | 3,278 |
| Cash dividends to net income (ytd only)* | 24.3132% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8521% | 2,704 |
| Loan loss allowance to noncurrent loans | 89.5142% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.8354% | 3,204 |
| Noncurrent loans to loans | 2.0690% | 3,114 |
| Net loans and leases to total assets | 82.4608% | 310 |
| Net loans and leases to deposits | 92.0340% | 968 |
| Net loans and leases to core deposits | 97.6524% | 1,359 |
| Total domestic deposits to total assets | 89.5981% | 1,204 |
| Equity capital to assets | 9.2329% | 5,236 |
| Core capital (leverage) ratio | 8.6015% | 5,397 |
| Tier 1 risk-based capital ratio | 10.0993% | 6,829 |
| Total risk-based capital ratio | 11.3762% | 6,804 |
| Memoranda: | ||
| Average total assets | $1,455,878,600 | 459 |
| Average earning assets | $1,348,615,200 | 442 |
| Average equity | $131,981,200 | 527 |
| Average total loans | $1,190,131,600 | 363 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 3,271 |
| Cost of funding earning assets | 0.5700% | 6,430 |
| Net interest margin | 4.3945% | 1,422 |
| Noninterest income to average assets | 0.7135% | 2,520 |
| Noninterest expense to average assets | 3.2956% | 2,510 |
| Loan and lease loss provision to assets | 0.3641% | 2,677 |
| Net operating income to assets | 0.7943% | 3,191 |
| Return on assets (ROA) | 0.8425% | 3,124 |
| Pretax return on assets | 1.1991% | 2,637 |
| Return on Equity (ROE) | 9.3377% | 2,450 |
| Retained earnings to average equity (ytd only) | 6.7859% | 2,090 |
| Net charge-offs to loans | 0.0908% | 5,064 |
| Credit loss provision to net charge-offs | 494.2500% | 565 |
| Earnings coverage of net charge-offs (x) | 20.2838% | 1,226 |
| Efficiency ratio | 68.8014% | 4,158 |
| Assets per employee ($millions) | 4.4001% | 3,077 |
| Cash dividends to net income (ytd only)* | 27.3284% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,813 |
| Loan loss allowance to noncurrent loans | 87.4937% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.8128% | 3,376 |
| Noncurrent loans to loans | 2.0979% | 3,245 |
| Net loans and leases to total assets | 80.6800% | 447 |
| Net loans and leases to deposits | 89.6847% | 1,250 |
| Net loans and leases to core deposits | 95.2327% | 1,676 |
| Total domestic deposits to total assets | 89.9595% | 889 |
| Equity capital to assets | 8.9755% | 5,782 |
| Core capital (leverage) ratio | 8.6224% | 5,518 |
| Tier 1 risk-based capital ratio | 9.8225% | 6,997 |
| Total risk-based capital ratio | 11.0819% | 6,987 |
| Memoranda: | ||
| Average total assets | $1,447,753,750 | 462 |
| Average earning assets | $1,343,008,250 | 447 |
| Average equity | $130,621,500 | 537 |
| Average total loans | $1,175,042,500 | 366 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 3,321 |
| Cost of funding earning assets | 0.5816% | 6,536 |
| Net interest margin | 4.3855% | 1,414 |
| Noninterest income to average assets | 0.7225% | 2,424 |
| Noninterest expense to average assets | 3.3515% | 2,396 |
| Loan and lease loss provision to assets | 0.2953% | 3,039 |
| Net operating income to assets | 0.7990% | 3,084 |
| Return on assets (ROA) | 0.8245% | 3,080 |
| Pretax return on assets | 1.1804% | 2,561 |
| Return on Equity (ROE) | 9.1218% | 2,456 |
| Retained earnings to average equity (ytd only) | 6.8035% | 1,966 |
| Net charge-offs to loans | 0.0379% | 5,320 |
| Credit loss provision to net charge-offs | 965.2968% | 342 |
| Earnings coverage of net charge-offs (x) | 47.0457% | 656 |
| Efficiency ratio | 69.9568% | 4,128 |
| Assets per employee ($millions) | 4.1518% | 3,447 |
| Cash dividends to net income (ytd only)* | 25.4151% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8127% | 2,946 |
| Loan loss allowance to noncurrent loans | 85.6718% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.7264% | 3,610 |
| Noncurrent loans to loans | 2.1158% | 3,332 |
| Net loans and leases to total assets | 78.5386% | 701 |
| Net loans and leases to deposits | 87.4228% | 1,586 |
| Net loans and leases to core deposits | 93.8778% | 1,906 |
| Total domestic deposits to total assets | 89.8376% | 1,055 |
| Equity capital to assets | 9.0073% | 5,571 |
| Core capital (leverage) ratio | 8.6705% | 5,273 |
| Tier 1 risk-based capital ratio | 10.0140% | 6,967 |
| Total risk-based capital ratio | 11.3183% | 6,943 |
| Memoranda: | ||
| Average total assets | $1,431,664,670 | 478 |
| Average earning assets | $1,328,104,330 | 463 |
| Average equity | $129,403,670 | 541 |
| Average total loans | $1,156,870,670 | 379 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 3,165 |
| Cost of funding earning assets | 0.5908% | 6,647 |
| Net interest margin | 4.3949% | 1,292 |
| Noninterest income to average assets | 0.7405% | 2,312 |
| Noninterest expense to average assets | 3.4155% | 2,236 |
| Loan and lease loss provision to assets | 0.2611% | 3,047 |
| Net operating income to assets | 0.8011% | 3,031 |
| Return on assets (ROA) | 0.8011% | 3,097 |
| Pretax return on assets | 1.1417% | 2,598 |
| Return on Equity (ROE) | 8.8466% | 2,534 |
| Retained earnings to average equity (ytd only) | 5.7195% | 2,790 |
| Net charge-offs to loans | 0.0223% | 4,770 |
| Credit loss provision to net charge-offs | 1,440.6250% | 281 |
| Earnings coverage of net charge-offs (x) | 77.4063% | 404 |
| Efficiency ratio | 70.8862% | 4,075 |
| Assets per employee ($millions) | 4.2521% | 3,335 |
| Cash dividends to net income (ytd only)* | 35.3482% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 3,133 |
| Loan loss allowance to noncurrent loans | 87.8303% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.6733% | 3,742 |
| Noncurrent loans to loans | 2.0042% | 3,571 |
| Net loans and leases to total assets | 79.1890% | 601 |
| Net loans and leases to deposits | 88.0280% | 1,461 |
| Net loans and leases to core deposits | 94.9504% | 1,776 |
| Total domestic deposits to total assets | 89.9589% | 1,172 |
| Equity capital to assets | 9.0258% | 5,166 |
| Core capital (leverage) ratio | 8.7444% | 5,005 |
| Tier 1 risk-based capital ratio | 10.0349% | 6,991 |
| Total risk-based capital ratio | 11.3493% | 6,970 |
| Memoranda: | ||
| Average total assets | $1,412,634,000 | 485 |
| Average earning assets | $1,310,714,500 | 476 |
| Average equity | $127,914,000 | 545 |
| Average total loans | $1,147,500,000 | 385 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 3,881 |
| Cost of funding earning assets | 0.6982% | 6,897 |
| Net interest margin | 4.4472% | 1,363 |
| Noninterest income to average assets | 0.7332% | 2,634 |
| Noninterest expense to average assets | 3.3046% | 2,725 |
| Loan and lease loss provision to assets | 0.3745% | 3,879 |
| Net operating income to assets | 0.8289% | 2,676 |
| Return on assets (ROA) | 0.8732% | 2,633 |
| Pretax return on assets | 1.2424% | 2,093 |
| Return on Equity (ROE) | 9.7501% | 2,018 |
| Retained earnings to average equity (ytd only) | 7.3893% | 1,179 |
| Net charge-offs to loans | 0.3551% | 4,243 |
| Credit loss provision to net charge-offs | 130.3807% | 3,045 |
| Earnings coverage of net charge-offs (x) | 5.4089% | 2,629 |
| Efficiency ratio | 67.9047% | 4,582 |
| Assets per employee ($millions) | 4.2192% | 3,350 |
| Cash dividends to net income (ytd only)* | 24.2131% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 3,221 |
| Loan loss allowance to noncurrent loans | 95.4476% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.5156% | 4,041 |
| Noncurrent loans to loans | 1.7791% | 3,844 |
| Net loans and leases to total assets | 80.4786% | 599 |
| Net loans and leases to deposits | 90.3299% | 1,478 |
| Net loans and leases to core deposits | 96.4792% | 1,942 |
| Total domestic deposits to total assets | 89.0941% | 1,596 |
| Equity capital to assets | 9.0848% | 5,013 |
| Core capital (leverage) ratio | 8.5325% | 5,300 |
| Tier 1 risk-based capital ratio | 10.1117% | 6,928 |
| Total risk-based capital ratio | 11.4161% | 6,871 |
| Memoranda: | ||
| Average total assets | $1,371,650,600 | 493 |
| Average earning assets | $1,272,309,800 | 482 |
| Average equity | $122,840,000 | 555 |
| Average total loans | $1,109,644,800 | 405 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 4,062 |
| Cost of funding earning assets | 0.7197% | 7,005 |
| Net interest margin | 4.4336% | 1,416 |
| Noninterest income to average assets | 0.7219% | 2,693 |
| Noninterest expense to average assets | 3.3039% | 2,560 |
| Loan and lease loss provision to assets | 0.3112% | 4,088 |
| Net operating income to assets | 0.8493% | 2,812 |
| Return on assets (ROA) | 0.9019% | 2,751 |
| Pretax return on assets | 1.2950% | 2,187 |
| Return on Equity (ROE) | 10.1077% | 2,084 |
| Retained earnings to average equity (ytd only) | 7.4812% | 1,605 |
| Net charge-offs to loans | 0.2930% | 4,197 |
| Credit loss provision to net charge-offs | 131.6942% | 3,065 |
| Earnings coverage of net charge-offs (x) | 6.4793% | 2,515 |
| Efficiency ratio | 68.1773% | 4,435 |
| Assets per employee ($millions) | 4.2893% | 3,282 |
| Cash dividends to net income (ytd only)* | 25.9853% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 3,139 |
| Loan loss allowance to noncurrent loans | 104.0616% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.3554% | 4,457 |
| Noncurrent loans to loans | 1.6369% | 4,193 |
| Net loans and leases to total assets | 77.1668% | 1,185 |
| Net loans and leases to deposits | 86.5643% | 2,228 |
| Net loans and leases to core deposits | 91.5212% | 2,871 |
| Total domestic deposits to total assets | 89.1438% | 1,315 |
| Equity capital to assets | 8.9033% | 5,699 |
| Core capital (leverage) ratio | 8.6413% | 5,282 |
| Tier 1 risk-based capital ratio | 10.0470% | 7,040 |
| Total risk-based capital ratio | 11.3388% | 7,000 |
| Memoranda: | ||
| Average total assets | $1,365,423,500 | 489 |
| Average earning assets | $1,266,711,750 | 473 |
| Average equity | $121,831,250 | 551 |
| Average total loans | $1,101,219,500 | 410 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2081% | 3,912 |
| Cost of funding earning assets | 0.7475% | 7,070 |
| Net interest margin | 4.4606% | 1,290 |
| Noninterest income to average assets | 0.7238% | 2,555 |
| Noninterest expense to average assets | 3.3700% | 2,343 |
| Loan and lease loss provision to assets | 0.2838% | 4,124 |
| Net operating income to assets | 0.8393% | 2,781 |
| Return on assets (ROA) | 0.9192% | 2,579 |
| Pretax return on assets | 1.3171% | 2,035 |
| Return on Equity (ROE) | 10.2938% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.8001% | 1,509 |
| Net charge-offs to loans | 0.1546% | 4,706 |
| Credit loss provision to net charge-offs | 225.4717% | 1,718 |
| Earnings coverage of net charge-offs (x) | 11.8113% | 1,727 |
| Efficiency ratio | 69.1852% | 4,335 |
| Assets per employee ($millions) | 4.2385% | 3,321 |
| Cash dividends to net income (ytd only)* | 24.2248% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 2,974 |
| Loan loss allowance to noncurrent loans | 100.4271% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3981% | 4,379 |
| Noncurrent loans to loans | 1.7200% | 4,108 |
| Net loans and leases to total assets | 79.8813% | 818 |
| Net loans and leases to deposits | 90.2532% | 1,814 |
| Net loans and leases to core deposits | 95.5923% | 2,493 |
| Total domestic deposits to total assets | 88.5080% | 1,723 |
| Equity capital to assets | 8.9389% | 5,544 |
| Core capital (leverage) ratio | 8.5642% | 5,305 |
| Tier 1 risk-based capital ratio | 9.9487% | 7,052 |
| Total risk-based capital ratio | 11.2259% | 7,018 |
| Memoranda: | ||
| Average total assets | $1,347,307,000 | 492 |
| Average earning assets | $1,248,364,000 | 480 |
| Average equity | $120,306,000 | 554 |
| Average total loans | $1,096,766,670 | 418 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 4,213 |
| Cost of funding earning assets | 0.7709% | 7,176 |
| Net interest margin | 4.3960% | 1,402 |
| Noninterest income to average assets | 0.7276% | 2,419 |
| Noninterest expense to average assets | 3.3110% | 2,498 |
| Loan and lease loss provision to assets | 0.2635% | 3,923 |
| Net operating income to assets | 0.8625% | 2,699 |
| Return on assets (ROA) | 0.9677% | 2,370 |
| Pretax return on assets | 1.3802% | 1,834 |
| Return on Equity (ROE) | 10.8430% | 1,825 |
| Retained earnings to average equity (ytd only) | 7.4840% | 1,933 |
| Net charge-offs to loans | 0.2234% | 3,593 |
| Credit loss provision to net charge-offs | 144.8105% | 2,461 |
| Earnings coverage of net charge-offs (x) | 8.2076% | 1,981 |
| Efficiency ratio | 68.7091% | 4,572 |
| Assets per employee ($millions) | 4.2534% | 3,372 |
| Cash dividends to net income (ytd only)* | 30.9789% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 3,082 |
| Loan loss allowance to noncurrent loans | 100.1679% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.3638% | 4,468 |
| Noncurrent loans to loans | 1.6916% | 4,206 |
| Net loans and leases to total assets | 78.5683% | 1,044 |
| Net loans and leases to deposits | 90.2603% | 1,867 |
| Net loans and leases to core deposits | 96.4981% | 2,525 |
| Total domestic deposits to total assets | 87.0463% | 2,606 |
| Equity capital to assets | 8.8093% | 5,537 |
| Core capital (leverage) ratio | 8.6168% | 5,182 |
| Tier 1 risk-based capital ratio | 9.8212% | 7,138 |
| Total risk-based capital ratio | 11.1228% | 7,107 |
| Memoranda: | ||
| Average total assets | $1,334,330,000 | 512 |
| Average earning assets | $1,237,497,000 | 496 |
| Average equity | $119,081,500 | 563 |
| Average total loans | $1,087,019,500 | 436 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 4,489 |
| Cost of funding earning assets | 1.1030% | 6,968 |
| Net interest margin | 4.3377% | 1,606 |
| Noninterest income to average assets | 0.7243% | 2,824 |
| Noninterest expense to average assets | 3.3972% | 2,695 |
| Loan and lease loss provision to assets | 0.3888% | 4,457 |
| Net operating income to assets | 0.7083% | 2,897 |
| Return on assets (ROA) | 0.7493% | 2,817 |
| Pretax return on assets | 1.0067% | 2,568 |
| Return on Equity (ROE) | 8.7577% | 2,100 |
| Retained earnings to average equity (ytd only) | 6.1317% | 1,307 |
| Net charge-offs to loans | 0.1865% | 5,493 |
| Credit loss provision to net charge-offs | 255.4560% | 1,377 |
| Earnings coverage of net charge-offs (x) | 8.8044% | 1,891 |
| Efficiency ratio | 71.4859% | 4,352 |
| Assets per employee ($millions) | 4.0602% | 3,691 |
| Cash dividends to net income (ytd only)* | 29.9850% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 2,951 |
| Loan loss allowance to noncurrent loans | 88.3983% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 3,874 |
| Noncurrent loans to loans | 1.9033% | 3,800 |
| Net loans and leases to total assets | 81.6842% | 738 |
| Net loans and leases to deposits | 92.9628% | 1,738 |
| Net loans and leases to core deposits | 107.4520% | 3,167 |
| Total domestic deposits to total assets | 87.8676% | 2,032 |
| Equity capital to assets | 9.0450% | 5,070 |
| Core capital (leverage) ratio | 8.6075% | 5,088 |
| Tier 1 risk-based capital ratio | 9.7450% | 7,066 |
| Total risk-based capital ratio | 11.0597% | 6,995 |
| Memoranda: | ||
| Average total assets | $1,246,309,400 | 540 |
| Average earning assets | $1,152,998,000 | 527 |
| Average equity | $106,626,400 | 613 |
| Average total loans | $1,017,244,800 | 474 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4470% | 4,703 |
| Cost of funding earning assets | 1.1800% | 6,946 |
| Net interest margin | 4.2671% | 1,814 |
| Noninterest income to average assets | 0.7143% | 2,922 |
| Noninterest expense to average assets | 3.4507% | 2,416 |
| Loan and lease loss provision to assets | 0.3361% | 4,320 |
| Net operating income to assets | 0.6575% | 3,367 |
| Return on assets (ROA) | 0.6729% | 3,363 |
| Pretax return on assets | 0.8956% | 3,241 |
| Return on Equity (ROE) | 7.9861% | 2,641 |
| Retained earnings to average equity (ytd only) | 5.0321% | 2,473 |
| Net charge-offs to loans | 0.1182% | 5,514 |
| Credit loss provision to net charge-offs | 350.1691% | 1,172 |
| Earnings coverage of net charge-offs (x) | 12.6178% | 1,742 |
| Efficiency ratio | 73.7877% | 3,896 |
| Assets per employee ($millions) | 4.0975% | 3,565 |
| Cash dividends to net income (ytd only)* | 36.9894% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 2,804 |
| Loan loss allowance to noncurrent loans | 109.1976% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.3008% | 4,483 |
| Noncurrent loans to loans | 1.5124% | 4,388 |
| Net loans and leases to total assets | 80.9413% | 993 |
| Net loans and leases to deposits | 92.3382% | 2,182 |
| Net loans and leases to core deposits | 108.8727% | 3,359 |
| Total domestic deposits to total assets | 87.6574% | 1,823 |
| Equity capital to assets | 8.3512% | 6,442 |
| Core capital (leverage) ratio | 7.8745% | 6,538 |
| Tier 1 risk-based capital ratio | 8.9748% | 7,629 |
| Total risk-based capital ratio | 10.3026% | 7,607 |
| Memoranda: | ||
| Average total assets | $1,232,055,500 | 560 |
| Average earning assets | $1,139,794,000 | 545 |
| Average equity | $103,811,500 | 639 |
| Average total loans | $1,000,848,750 | 493 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4724% | 4,767 |
| Cost of funding earning assets | 1.2660% | 6,908 |
| Net interest margin | 4.2064% | 1,977 |
| Noninterest income to average assets | 0.7142% | 2,904 |
| Noninterest expense to average assets | 3.5253% | 2,266 |
| Loan and lease loss provision to assets | 0.3239% | 4,000 |
| Net operating income to assets | 0.5731% | 3,799 |
| Return on assets (ROA) | 0.5979% | 3,793 |
| Pretax return on assets | 0.7830% | 3,727 |
| Return on Equity (ROE) | 7.0741% | 3,170 |
| Retained earnings to average equity (ytd only) | 4.3451% | 2,880 |
| Net charge-offs to loans | 0.1070% | 5,089 |
| Credit loss provision to net charge-offs | 374.4762% | 1,244 |
| Earnings coverage of net charge-offs (x) | 12.4190% | 1,819 |
| Efficiency ratio | 76.4078% | 3,618 |
| Assets per employee ($millions) | 3.8985% | 3,874 |
| Cash dividends to net income (ytd only)* | 38.5781% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 2,573 |
| Loan loss allowance to noncurrent loans | 129.1045% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 4,778 |
| Noncurrent loans to loans | 1.2696% | 4,659 |
| Net loans and leases to total assets | 80.3767% | 1,245 |
| Net loans and leases to deposits | 92.3801% | 2,398 |
| Net loans and leases to core deposits | 106.2115% | 3,813 |
| Total domestic deposits to total assets | 87.0065% | 2,254 |
| Equity capital to assets | 8.3370% | 6,281 |
| Core capital (leverage) ratio | 7.9985% | 6,337 |
| Tier 1 risk-based capital ratio | 9.1074% | 7,635 |
| Total risk-based capital ratio | 10.3998% | 7,625 |
| Memoranda: | ||
| Average total assets | $1,213,866,330 | 581 |
| Average earning assets | $1,121,195,670 | 567 |
| Average equity | $102,599,330 | 659 |
| Average total loans | $981,499,330 | 515 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 4,686 |
| Cost of funding earning assets | 1.3520% | 6,869 |
| Net interest margin | 4.1890% | 1,938 |
| Noninterest income to average assets | 0.6930% | 2,932 |
| Noninterest expense to average assets | 3.4278% | 2,286 |
| Loan and lease loss provision to assets | 0.3682% | 3,115 |
| Net operating income to assets | 0.5736% | 4,128 |
| Return on assets (ROA) | 0.6272% | 4,082 |
| Pretax return on assets | 0.8344% | 3,956 |
| Return on Equity (ROE) | 7.3683% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.0502% | 4,180 |
| Net charge-offs to loans | 0.1604% | 3,679 |
| Credit loss provision to net charge-offs | 285.4922% | 1,692 |
| Earnings coverage of net charge-offs (x) | 8.7694% | 2,149 |
| Efficiency ratio | 74.9469% | 3,672 |
| Assets per employee ($millions) | 3.9555% | 3,762 |
| Cash dividends to net income (ytd only)* | 58.6042% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 2,373 |
| Loan loss allowance to noncurrent loans | 145.9418% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 4,870 |
| Noncurrent loans to loans | 1.1217% | 4,739 |
| Net loans and leases to total assets | 79.0928% | 1,561 |
| Net loans and leases to deposits | 96.2590% | 1,905 |
| Net loans and leases to core deposits | 109.8566% | 3,454 |
| Total domestic deposits to total assets | 82.1667% | 4,482 |
| Equity capital to assets | 8.4137% | 6,211 |
| Core capital (leverage) ratio | 8.0663% | 6,355 |
| Tier 1 risk-based capital ratio | 9.3165% | 7,571 |
| Total risk-based capital ratio | 10.5704% | 7,546 |
| Memoranda: | ||
| Average total assets | $1,197,040,500 | 588 |
| Average earning assets | $1,104,695,500 | 578 |
| Average equity | $101,896,000 | 662 |
| Average total loans | $962,537,000 | 530 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2582% | 4,197 |
| Cost of funding earning assets | 1.9777% | 6,485 |
| Net interest margin | 4.2805% | 2,046 |
| Noninterest income to average assets | 0.8120% | 2,444 |
| Noninterest expense to average assets | 3.3840% | 2,719 |
| Loan and lease loss provision to assets | 0.2247% | 4,641 |
| Net operating income to assets | 0.8450% | 3,241 |
| Return on assets (ROA) | 0.6165% | 4,093 |
| Pretax return on assets | 0.8266% | 3,971 |
| Return on Equity (ROE) | 6.9431% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.7196% | 2,195 |
| Net charge-offs to loans | 0.0880% | 5,485 |
| Credit loss provision to net charge-offs | 320.7426% | 1,408 |
| Earnings coverage of net charge-offs (x) | 19.3560% | 1,635 |
| Efficiency ratio | 71.1415% | 4,097 |
| Assets per employee ($millions) | 3.8428% | 3,872 |
| Cash dividends to net income (ytd only)* | 32.0239% | 4,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6096% | 2,204 |
| Loan loss allowance to noncurrent loans | 184.6982% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 5,047 |
| Noncurrent loans to loans | 0.8715% | 4,876 |
| Net loans and leases to total assets | 79.1160% | 1,858 |
| Net loans and leases to deposits | 98.4588% | 2,059 |
| Net loans and leases to core deposits | 114.4994% | 3,277 |
| Total domestic deposits to total assets | 80.3544% | 4,882 |
| Equity capital to assets | 8.6139% | 5,915 |
| Core capital (leverage) ratio | 8.2861% | 5,979 |
| Tier 1 risk-based capital ratio | 9.4502% | 7,367 |
| Total risk-based capital ratio | 10.7037% | 7,274 |
| Memoranda: | ||
| Average total assets | $1,114,873,000 | 597 |
| Average earning assets | $1,023,042,400 | 587 |
| Average equity | $98,991,000 | 670 |
| Average total loans | $887,414,800 | 553 |