Home > Farmers & Merchants Bank of Central California > Performance and Condition Ratios
Farmers & Merchants Bank of Central California, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 1,738 |
| Cost of funding earning assets | 0.6443% | 3,889 |
| Net interest margin | 4.4024% | 700 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.9644% | 3,679 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.8467% | 601 |
| Return on assets (ROA) | 1.7332% | 740 |
| Pretax return on assets | 2.2736% | 503 |
| Return on Equity (ROE) | 17.5700% | 999 |
| Retained earnings to average equity (ytd only) | 11.4963% | 1,068 |
| Net charge-offs to loans | -0.0104% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.8394% | 4,280 |
| Assets per employee ($millions) | 14.4959% | 221 |
| Cash dividends to net income (ytd only)* | 34.5743% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0848% | 344 |
| Loan loss allowance to noncurrent loans | 1,649.4440% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 2,910 |
| Noncurrent loans to loans | 0.1264% | 2,921 |
| Net loans and leases to total assets | 64.7600% | 2,365 |
| Net loans and leases to deposits | 73.2766% | 2,629 |
| Net loans and leases to core deposits | 78.3568% | 2,723 |
| Total domestic deposits to total assets | 88.3800% | 1,453 |
| Equity capital to assets | 10.0533% | 1,805 |
| Core capital (leverage) ratio | 10.2247% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9745% | 1,907 |
| Memoranda: | ||
| Average total assets | $5,273,278,250 | 269 |
| Average earning assets | $4,909,509,500 | 262 |
| Average equity | $520,133,000 | 256 |
| Average total loans | $3,497,104,750 | 265 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 1,682 |
| Cost of funding earning assets | 0.4848% | 4,011 |
| Net interest margin | 4.4506% | 653 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.0553% | 3,451 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.9264% | 534 |
| Return on assets (ROA) | 1.7549% | 711 |
| Pretax return on assets | 2.2742% | 487 |
| Return on Equity (ROE) | 17.9100% | 968 |
| Retained earnings to average equity (ytd only) | 10.0392% | 1,392 |
| Net charge-offs to loans | -0.0131% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.4838% | 4,280 |
| Assets per employee ($millions) | 14.1943% | 225 |
| Cash dividends to net income (ytd only)* | 43.9465% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0366% | 392 |
| Loan loss allowance to noncurrent loans | 18,963.2000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,559 |
| Noncurrent loans to loans | 0.0107% | 3,703 |
| Net loans and leases to total assets | 65.1300% | 2,261 |
| Net loans and leases to deposits | 73.7032% | 2,524 |
| Net loans and leases to core deposits | 78.1665% | 2,600 |
| Total domestic deposits to total assets | 88.3700% | 1,471 |
| Equity capital to assets | 10.0012% | 1,861 |
| Core capital (leverage) ratio | 10.2277% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7269% | 2,012 |
| Memoranda: | ||
| Average total assets | $5,238,377,333 | 263 |
| Average earning assets | $4,875,169,333 | 256 |
| Average equity | $513,289,667 | 252 |
| Average total loans | $3,477,072,333 | 259 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8817% | 1,447 |
| Cost of funding earning assets | 0.2931% | 4,215 |
| Net interest margin | 4.5885% | 511 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.1129% | 3,352 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 2.1876% | 382 |
| Return on assets (ROA) | 1.8397% | 618 |
| Pretax return on assets | 2.3114% | 472 |
| Return on Equity (ROE) | 18.9700% | 890 |
| Retained earnings to average equity (ytd only) | 15.4241% | 746 |
| Net charge-offs to loans | -0.0218% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.2609% | 4,379 |
| Assets per employee ($millions) | 13.7285% | 260 |
| Cash dividends to net income (ytd only)* | 18.7017% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 439 |
| Loan loss allowance to noncurrent loans | 17,719.3798% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,542 |
| Noncurrent loans to loans | 0.0113% | 3,739 |
| Net loans and leases to total assets | 65.4100% | 2,119 |
| Net loans and leases to deposits | 73.9685% | 2,298 |
| Net loans and leases to core deposits | 76.8062% | 2,475 |
| Total domestic deposits to total assets | 88.4300% | 1,767 |
| Equity capital to assets | 10.1259% | 1,754 |
| Core capital (leverage) ratio | 9.9606% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7084% | 2,089 |
| Memoranda: | ||
| Average total assets | $5,231,623,000 | 275 |
| Average earning assets | $4,872,938,500 | 266 |
| Average equity | $507,309,500 | 259 |
| Average total loans | $3,469,747,000 | 267 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 1,810 |
| Cost of funding earning assets | 0.0753% | 4,492 |
| Net interest margin | 3.8902% | 973 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.7037% | 4,171 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.6034% | 691 |
| Return on assets (ROA) | 1.4454% | 977 |
| Pretax return on assets | 1.9236% | 550 |
| Return on Equity (ROE) | 16.1900% | 1,019 |
| Retained earnings to average equity (ytd only) | 8.9183% | 1,502 |
| Net charge-offs to loans | 0.0054% | 2,236 |
| Credit loss provision to net charge-offs | 3,402.8090% | 173 |
| Earnings coverage of net charge-offs (x) | 673.9719% | 263 |
| Efficiency ratio | 42.8734% | 4,467 |
| Assets per employee ($millions) | 14.2481% | 232 |
| Cash dividends to net income (ytd only)* | 44.9104% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9043% | 534 |
| Loan loss allowance to noncurrent loans | 11,713.6602% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,548 |
| Noncurrent loans to loans | 0.0163% | 3,719 |
| Net loans and leases to total assets | 64.6600% | 2,179 |
| Net loans and leases to deposits | 72.3407% | 2,384 |
| Net loans and leases to core deposits | 74.3521% | 2,543 |
| Total domestic deposits to total assets | 89.3800% | 1,609 |
| Equity capital to assets | 9.2837% | 2,166 |
| Core capital (leverage) ratio | 9.3544% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0418% | 2,354 |
| Memoranda: | ||
| Average total assets | $5,345,556,600 | 264 |
| Average earning assets | $4,986,278,600 | 256 |
| Average equity | $477,274,600 | 272 |
| Average total loans | $3,312,181,000 | 261 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7372% | 1,937 |
| Cost of funding earning assets | 0.0629% | 4,513 |
| Net interest margin | 3.6743% | 1,208 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.7219% | 4,119 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4738% | 905 |
| Return on assets (ROA) | 1.4151% | 1,018 |
| Pretax return on assets | 1.8704% | 632 |
| Return on Equity (ROE) | 16.0100% | 974 |
| Retained earnings to average equity (ytd only) | 8.7622% | 1,739 |
| Net charge-offs to loans | -0.0002% | 3,104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.7271% | 4,395 |
| Assets per employee ($millions) | 15.0632% | 203 |
| Cash dividends to net income (ytd only)* | 45.2632% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 582 |
| Loan loss allowance to noncurrent loans | 15,478.5888% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,710 |
| Noncurrent loans to loans | 0.0124% | 3,849 |
| Net loans and leases to total assets | 59.6200% | 2,548 |
| Net loans and leases to deposits | 66.3622% | 2,688 |
| Net loans and leases to core deposits | 68.4830% | 2,756 |
| Total domestic deposits to total assets | 89.8500% | 1,724 |
| Equity capital to assets | 8.7302% | 2,390 |
| Core capital (leverage) ratio | 9.1182% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2991% | 2,358 |
| Memoranda: | ||
| Average total assets | $5,349,750,500 | 265 |
| Average earning assets | $4,993,377,750 | 257 |
| Average equity | $472,916,000 | 275 |
| Average total loans | $3,262,136,000 | 262 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 1,949 |
| Cost of funding earning assets | 0.0557% | 4,562 |
| Net interest margin | 3.5082% | 1,292 |
| Noninterest income to average assets | 0.2982% | 3,381 |
| Noninterest expense to average assets | 1.7046% | 4,140 |
| Loan and lease loss provision to assets | 0.0565% | 1,569 |
| Net operating income to assets | 1.3834% | 945 |
| Return on assets (ROA) | 1.3834% | 923 |
| Pretax return on assets | 1.8147% | 578 |
| Return on Equity (ROE) | 15.5835% | 778 |
| Retained earnings to average equity (ytd only) | 6.3776% | 2,215 |
| Net charge-offs to loans | 0.0021% | 2,029 |
| Credit loss provision to net charge-offs | 3,258.8235% | 162 |
| Earnings coverage of net charge-offs (x) | 1,461.2353% | 81 |
| Efficiency ratio | 47.3589% | 4,383 |
| Assets per employee ($millions) | 14.5946% | 214 |
| Cash dividends to net income (ytd only)* | 59.0749% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 649 |
| Loan loss allowance to noncurrent loans | 2,050.1982% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,242 |
| Noncurrent loans to loans | 0.0932% | 3,305 |
| Net loans and leases to total assets | 59.8421% | 2,340 |
| Net loans and leases to deposits | 66.7607% | 2,487 |
| Net loans and leases to core deposits | 69.1088% | 2,559 |
| Total domestic deposits to total assets | 89.6368% | 1,879 |
| Equity capital to assets | 8.7848% | 2,544 |
| Core capital (leverage) ratio | 8.8853% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9700% | 2,513 |
| Memoranda: | ||
| Average total assets | $5,310,350,333 | 261 |
| Average earning assets | $4,961,299,667 | 257 |
| Average equity | $471,434,000 | 278 |
| Average total loans | $3,241,560,667 | 263 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4575% | 1,927 |
| Cost of funding earning assets | 0.0527% | 4,581 |
| Net interest margin | 3.4048% | 1,288 |
| Noninterest income to average assets | 0.3301% | 3,121 |
| Noninterest expense to average assets | 1.7496% | 4,053 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3231% | 954 |
| Return on assets (ROA) | 1.3231% | 942 |
| Pretax return on assets | 1.7664% | 591 |
| Return on Equity (ROE) | 14.8261% | 681 |
| Retained earnings to average equity (ytd only) | 11.0219% | 784 |
| Net charge-offs to loans | -0.0031% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4432% | 4,343 |
| Assets per employee ($millions) | 15.1107% | 200 |
| Cash dividends to net income (ytd only)* | 25.6586% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 761 |
| Loan loss allowance to noncurrent loans | 13,966.1327% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 3,802 |
| Noncurrent loans to loans | 0.0135% | 3,915 |
| Net loans and leases to total assets | 58.5575% | 2,238 |
| Net loans and leases to deposits | 65.6321% | 2,366 |
| Net loans and leases to core deposits | 68.0049% | 2,458 |
| Total domestic deposits to total assets | 89.2208% | 1,965 |
| Equity capital to assets | 8.7391% | 2,939 |
| Core capital (leverage) ratio | 8.9390% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1215% | 2,567 |
| Memoranda: | ||
| Average total assets | $5,302,011,500 | 265 |
| Average earning assets | $4,961,211,000 | 261 |
| Average equity | $473,167,000 | 282 |
| Average total loans | $3,237,398,000 | 261 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 2,393 |
| Cost of funding earning assets | 0.0746% | 4,561 |
| Net interest margin | 3.5238% | 1,669 |
| Noninterest income to average assets | 0.3786% | 3,167 |
| Noninterest expense to average assets | 1.8308% | 4,085 |
| Loan and lease loss provision to assets | 0.0390% | 2,264 |
| Net operating income to assets | 1.3451% | 1,460 |
| Return on assets (ROA) | 1.3863% | 1,381 |
| Pretax return on assets | 1.8486% | 817 |
| Return on Equity (ROE) | 15.1238% | 929 |
| Retained earnings to average equity (ytd only) | 12.9192% | 406 |
| Net charge-offs to loans | -0.0075% | 3,654 |
| Credit loss provision to net charge-offs | -819.7425% | 3,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5969% | 4,316 |
| Assets per employee ($millions) | 13.8855% | 246 |
| Cash dividends to net income (ytd only)* | 14.5768% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 749 |
| Loan loss allowance to noncurrent loans | 11,823.0620% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 3,860 |
| Noncurrent loans to loans | 0.0159% | 3,970 |
| Net loans and leases to total assets | 61.3244% | 2,031 |
| Net loans and leases to deposits | 68.3958% | 2,270 |
| Net loans and leases to core deposits | 70.9768% | 2,357 |
| Total domestic deposits to total assets | 89.6611% | 1,134 |
| Equity capital to assets | 9.1183% | 3,496 |
| Core capital (leverage) ratio | 8.9100% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1689% | 2,574 |
| Memoranda: | ||
| Average total assets | $4,899,022,800 | 273 |
| Average earning assets | $4,570,689,200 | 268 |
| Average equity | $449,068,000 | 292 |
| Average total loans | $3,124,155,600 | 261 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6097% | 2,533 |
| Cost of funding earning assets | 0.0948% | 4,537 |
| Net interest margin | 3.5149% | 1,829 |
| Noninterest income to average assets | 0.4013% | 3,078 |
| Noninterest expense to average assets | 1.8178% | 4,132 |
| Loan and lease loss provision to assets | 0.0345% | 2,309 |
| Net operating income to assets | 1.3682% | 1,634 |
| Return on assets (ROA) | 1.4240% | 1,530 |
| Pretax return on assets | 1.8963% | 956 |
| Return on Equity (ROE) | 15.5125% | 1,038 |
| Retained earnings to average equity (ytd only) | 14.7606% | 429 |
| Net charge-offs to loans | -0.0082% | 3,599 |
| Credit loss provision to net charge-offs | -654.4503% | 3,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4227% | 4,269 |
| Assets per employee ($millions) | 14.1765% | 235 |
| Cash dividends to net income (ytd only)* | 4.8475% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 742 |
| Loan loss allowance to noncurrent loans | 11,686.8217% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 3,992 |
| Noncurrent loans to loans | 0.0164% | 4,082 |
| Net loans and leases to total assets | 60.3403% | 2,210 |
| Net loans and leases to deposits | 67.3795% | 2,500 |
| Net loans and leases to core deposits | 69.9450% | 2,605 |
| Total domestic deposits to total assets | 89.5529% | 982 |
| Equity capital to assets | 9.0953% | 3,747 |
| Core capital (leverage) ratio | 8.9769% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2784% | 2,621 |
| Memoranda: | ||
| Average total assets | $4,828,955,750 | 277 |
| Average earning assets | $4,501,810,750 | 269 |
| Average equity | $443,269,250 | 294 |
| Average total loans | $3,095,900,250 | 263 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 2,294 |
| Cost of funding earning assets | 0.1029% | 4,559 |
| Net interest margin | 3.6111% | 1,568 |
| Noninterest income to average assets | 1.0012% | 1,068 |
| Noninterest expense to average assets | 2.5251% | 2,060 |
| Loan and lease loss provision to assets | 0.0528% | 1,978 |
| Net operating income to assets | 1.3407% | 1,741 |
| Return on assets (ROA) | 1.4258% | 1,563 |
| Pretax return on assets | 1.8952% | 1,029 |
| Return on Equity (ROE) | 15.4821% | 1,052 |
| Retained earnings to average equity (ytd only) | 14.3361% | 506 |
| Net charge-offs to loans | -0.0075% | 3,560 |
| Credit loss provision to net charge-offs | -1,086.9565% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8457% | 3,308 |
| Assets per employee ($millions) | 13.6802% | 253 |
| Cash dividends to net income (ytd only)* | 7.4021% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9857% | 621 |
| Loan loss allowance to noncurrent loans | 10,990.6934% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,070 |
| Noncurrent loans to loans | 0.0181% | 4,129 |
| Net loans and leases to total assets | 60.3664% | 2,381 |
| Net loans and leases to deposits | 67.3540% | 2,690 |
| Net loans and leases to core deposits | 70.0285% | 2,778 |
| Total domestic deposits to total assets | 89.6256% | 962 |
| Equity capital to assets | 9.0978% | 3,713 |
| Core capital (leverage) ratio | 9.0099% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2423% | 2,631 |
| Memoranda: | ||
| Average total assets | $4,737,424,667 | 276 |
| Average earning assets | $4,413,383,667 | 271 |
| Average equity | $436,298,000 | 295 |
| Average total loans | $3,081,266,333 | 265 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 2,082 |
| Cost of funding earning assets | 0.1142% | 4,557 |
| Net interest margin | 3.6937% | 1,343 |
| Noninterest income to average assets | 0.6820% | 1,926 |
| Noninterest expense to average assets | 2.2088% | 3,083 |
| Loan and lease loss provision to assets | 0.1077% | 1,280 |
| Net operating income to assets | 1.3547% | 1,672 |
| Return on assets (ROA) | 1.4799% | 1,440 |
| Pretax return on assets | 1.9704% | 996 |
| Return on Equity (ROE) | 15.9667% | 1,019 |
| Retained earnings to average equity (ytd only) | 15.9667% | 523 |
| Net charge-offs to loans | -0.0080% | 3,579 |
| Credit loss provision to net charge-offs | -2,016.1290% | 3,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5022% | 3,846 |
| Assets per employee ($millions) | 13.0405% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 696 |
| Loan loss allowance to noncurrent loans | 12,205.8824% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,154 |
| Noncurrent loans to loans | 0.0158% | 4,222 |
| Net loans and leases to total assets | 64.4492% | 1,987 |
| Net loans and leases to deposits | 71.8503% | 2,326 |
| Net loans and leases to core deposits | 74.9049% | 2,437 |
| Total domestic deposits to total assets | 89.6993% | 967 |
| Equity capital to assets | 9.1219% | 3,569 |
| Core capital (leverage) ratio | 9.1097% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7743% | 2,745 |
| Memoranda: | ||
| Average total assets | $4,643,700,500 | 276 |
| Average earning assets | $4,332,712,000 | 275 |
| Average equity | $430,420,000 | 294 |
| Average total loans | $3,105,301,500 | 263 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 2,291 |
| Cost of funding earning assets | 0.2396% | 4,426 |
| Net interest margin | 3.9068% | 1,198 |
| Noninterest income to average assets | 0.3874% | 3,166 |
| Noninterest expense to average assets | 1.9376% | 4,252 |
| Loan and lease loss provision to assets | 0.1095% | 2,976 |
| Net operating income to assets | 1.4702% | 876 |
| Return on assets (ROA) | 1.4710% | 953 |
| Pretax return on assets | 1.9562% | 499 |
| Return on Equity (ROE) | 14.7473% | 678 |
| Retained earnings to average equity (ytd only) | 9.9005% | 604 |
| Net charge-offs to loans | 0.0222% | 2,608 |
| Credit loss provision to net charge-offs | 693.3744% | 999 |
| Earnings coverage of net charge-offs (x) | 130.7812% | 644 |
| Efficiency ratio | 48.4118% | 4,617 |
| Assets per employee ($millions) | 12.4418% | 295 |
| Cash dividends to net income (ytd only)* | 32.8653% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8990% | 725 |
| Loan loss allowance to noncurrent loans | 11,891.3131% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,209 |
| Noncurrent loans to loans | 0.0160% | 4,298 |
| Net loans and leases to total assets | 66.7750% | 1,982 |
| Net loans and leases to deposits | 74.7231% | 2,411 |
| Net loans and leases to core deposits | 78.0247% | 2,547 |
| Total domestic deposits to total assets | 89.3632% | 824 |
| Equity capital to assets | 9.4217% | 3,681 |
| Core capital (leverage) ratio | 9.0383% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4624% | 2,812 |
| Memoranda: | ||
| Average total assets | $4,110,883,800 | 286 |
| Average earning assets | $3,803,691,000 | 279 |
| Average equity | $410,048,800 | 291 |
| Average total loans | $2,923,834,200 | 268 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1766% | 2,454 |
| Cost of funding earning assets | 0.2746% | 4,417 |
| Net interest margin | 3.9020% | 1,348 |
| Noninterest income to average assets | 0.3732% | 3,215 |
| Noninterest expense to average assets | 1.9547% | 4,245 |
| Loan and lease loss provision to assets | 0.0667% | 3,502 |
| Net operating income to assets | 1.4778% | 947 |
| Return on assets (ROA) | 1.4782% | 1,032 |
| Pretax return on assets | 1.9576% | 560 |
| Return on Equity (ROE) | 14.5889% | 768 |
| Retained earnings to average equity (ytd only) | 12.5165% | 371 |
| Net charge-offs to loans | 0.0099% | 2,746 |
| Credit loss provision to net charge-offs | 934.5794% | 877 |
| Earnings coverage of net charge-offs (x) | 283.7290% | 380 |
| Efficiency ratio | 49.1312% | 4,546 |
| Assets per employee ($millions) | 11.9479% | 323 |
| Cash dividends to net income (ytd only)* | 14.2058% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8252% | 683 |
| Loan loss allowance to noncurrent loans | 11,405.2209% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,300 |
| Noncurrent loans to loans | 0.0160% | 4,370 |
| Net loans and leases to total assets | 71.0288% | 1,810 |
| Net loans and leases to deposits | 80.0663% | 2,308 |
| Net loans and leases to core deposits | 84.3724% | 2,438 |
| Total domestic deposits to total assets | 88.7125% | 891 |
| Equity capital to assets | 9.9142% | 3,308 |
| Core capital (leverage) ratio | 9.4899% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1098% | 2,570 |
| Memoranda: | ||
| Average total assets | $4,000,180,250 | 287 |
| Average earning assets | $3,695,996,000 | 284 |
| Average equity | $405,301,750 | 292 |
| Average total loans | $2,879,894,750 | 270 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 2,629 |
| Cost of funding earning assets | 0.3115% | 4,436 |
| Net interest margin | 3.9302% | 1,498 |
| Noninterest income to average assets | 0.3373% | 3,453 |
| Noninterest expense to average assets | 1.9746% | 4,283 |
| Loan and lease loss provision to assets | 0.0154% | 4,036 |
| Net operating income to assets | 1.4961% | 932 |
| Return on assets (ROA) | 1.4966% | 1,007 |
| Pretax return on assets | 1.9731% | 577 |
| Return on Equity (ROE) | 14.6554% | 763 |
| Retained earnings to average equity (ytd only) | 11.4916% | 533 |
| Net charge-offs to loans | 0.0181% | 2,360 |
| Credit loss provision to net charge-offs | 118.1102% | 2,296 |
| Earnings coverage of net charge-offs (x) | 152.5984% | 527 |
| Efficiency ratio | 49.8337% | 4,512 |
| Assets per employee ($millions) | 11.6932% | 337 |
| Cash dividends to net income (ytd only)* | 21.5879% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 656 |
| Loan loss allowance to noncurrent loans | 11,640.1691% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,390 |
| Noncurrent loans to loans | 0.0154% | 4,446 |
| Net loans and leases to total assets | 70.7055% | 1,922 |
| Net loans and leases to deposits | 79.5304% | 2,485 |
| Net loans and leases to core deposits | 85.4529% | 2,487 |
| Total domestic deposits to total assets | 88.9036% | 785 |
| Equity capital to assets | 9.7010% | 3,476 |
| Core capital (leverage) ratio | 9.5498% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8202% | 2,681 |
| Memoranda: | ||
| Average total assets | $3,899,820,667 | 290 |
| Average earning assets | $3,597,085,333 | 283 |
| Average equity | $398,257,000 | 294 |
| Average total loans | $2,802,549,333 | 275 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 2,288 |
| Cost of funding earning assets | 0.3677% | 4,466 |
| Net interest margin | 4.1430% | 1,043 |
| Noninterest income to average assets | 0.3233% | 3,586 |
| Noninterest expense to average assets | 2.0777% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5583% | 686 |
| Return on assets (ROA) | 1.5595% | 752 |
| Pretax return on assets | 2.0542% | 406 |
| Return on Equity (ROE) | 14.8456% | 568 |
| Retained earnings to average equity (ytd only) | 14.8456% | 204 |
| Net charge-offs to loans | 0.0281% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 101.5904% | 576 |
| Efficiency ratio | 50.3018% | 4,651 |
| Assets per employee ($millions) | 10.3053% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 467 |
| Loan loss allowance to noncurrent loans | 9,986.1566% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 4,423 |
| Noncurrent loans to loans | 0.0206% | 4,491 |
| Net loans and leases to total assets | 70.2992% | 2,200 |
| Net loans and leases to deposits | 80.3096% | 2,648 |
| Net loans and leases to core deposits | 86.9371% | 2,603 |
| Total domestic deposits to total assets | 87.5353% | 1,310 |
| Equity capital to assets | 10.8486% | 2,991 |
| Core capital (leverage) ratio | 10.1771% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8143% | 2,788 |
| Memoranda: | ||
| Average total assets | $3,721,568,500 | 291 |
| Average earning assets | $3,419,945,500 | 288 |
| Average equity | $390,931,500 | 299 |
| Average total loans | $2,671,568,000 | 276 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7679% | 2,138 |
| Cost of funding earning assets | 0.3938% | 4,459 |
| Net interest margin | 4.3742% | 942 |
| Noninterest income to average assets | 0.4988% | 2,749 |
| Noninterest expense to average assets | 2.2784% | 3,999 |
| Loan and lease loss provision to assets | 0.0057% | 3,896 |
| Net operating income to assets | 1.6439% | 749 |
| Return on assets (ROA) | 1.6439% | 797 |
| Pretax return on assets | 2.2127% | 374 |
| Return on Equity (ROE) | 16.4555% | 481 |
| Retained earnings to average equity (ytd only) | 12.7031% | 184 |
| Net charge-offs to loans | 0.0174% | 3,090 |
| Credit loss provision to net charge-offs | 44.0529% | 3,171 |
| Earnings coverage of net charge-offs (x) | 171.6123% | 442 |
| Efficiency ratio | 50.6680% | 4,698 |
| Assets per employee ($millions) | 10.1998% | 343 |
| Cash dividends to net income (ytd only)* | 22.8034% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0580% | 418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,541 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 70.3216% | 2,343 |
| Net loans and leases to deposits | 79.7942% | 2,804 |
| Net loans and leases to core deposits | 86.2447% | 2,774 |
| Total domestic deposits to total assets | 88.1287% | 1,070 |
| Equity capital to assets | 10.1606% | 3,774 |
| Core capital (leverage) ratio | 9.8864% | 3,630 |
| Tier 1 risk-based capital ratio | 11.0752% | 4,828 |
| Total risk-based capital ratio | 12.3309% | 4,720 |
| Memoranda: | ||
| Average total assets | $3,512,197,400 | 289 |
| Average earning assets | $3,210,081,600 | 284 |
| Average equity | $350,867,200 | 310 |
| Average total loans | $2,604,851,200 | 277 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 2,065 |
| Cost of funding earning assets | 0.3934% | 4,524 |
| Net interest margin | 4.4238% | 897 |
| Noninterest income to average assets | 0.5009% | 2,726 |
| Noninterest expense to average assets | 2.3165% | 3,912 |
| Loan and lease loss provision to assets | 0.0077% | 3,732 |
| Net operating income to assets | 1.6478% | 829 |
| Return on assets (ROA) | 1.6479% | 877 |
| Pretax return on assets | 2.2181% | 441 |
| Return on Equity (ROE) | 16.5713% | 528 |
| Retained earnings to average equity (ytd only) | 13.8521% | 212 |
| Net charge-offs to loans | 0.0264% | 2,565 |
| Credit loss provision to net charge-offs | 39.0625% | 2,864 |
| Earnings coverage of net charge-offs (x) | 112.7988% | 686 |
| Efficiency ratio | 50.9982% | 4,674 |
| Assets per employee ($millions) | 9.6985% | 381 |
| Cash dividends to net income (ytd only)* | 16.4090% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0998% | 392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,619 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 71.7882% | 2,204 |
| Net loans and leases to deposits | 81.5694% | 2,738 |
| Net loans and leases to core deposits | 88.6340% | 2,672 |
| Total domestic deposits to total assets | 88.0088% | 1,033 |
| Equity capital to assets | 10.2224% | 3,799 |
| Core capital (leverage) ratio | 9.9808% | 3,658 |
| Tier 1 risk-based capital ratio | 11.0729% | 4,877 |
| Total risk-based capital ratio | 12.3292% | 4,765 |
| Memoranda: | ||
| Average total assets | $3,459,517,500 | 295 |
| Average earning assets | $3,160,498,500 | 292 |
| Average equity | $344,016,250 | 316 |
| Average total loans | $2,587,807,250 | 281 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 1,966 |
| Cost of funding earning assets | 0.3795% | 4,586 |
| Net interest margin | 4.4506% | 852 |
| Noninterest income to average assets | 0.5288% | 2,516 |
| Noninterest expense to average assets | 2.3354% | 3,911 |
| Loan and lease loss provision to assets | 0.0117% | 3,526 |
| Net operating income to assets | 1.6666% | 777 |
| Return on assets (ROA) | 1.6666% | 811 |
| Pretax return on assets | 2.2467% | 399 |
| Return on Equity (ROE) | 16.9245% | 478 |
| Retained earnings to average equity (ytd only) | 12.7616% | 324 |
| Net charge-offs to loans | 0.0265% | 2,323 |
| Credit loss provision to net charge-offs | 58.6510% | 2,413 |
| Earnings coverage of net charge-offs (x) | 113.3490% | 632 |
| Efficiency ratio | 50.8382% | 4,737 |
| Assets per employee ($millions) | 9.4617% | 400 |
| Cash dividends to net income (ytd only)* | 24.5968% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,655 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 74.0633% | 1,878 |
| Net loans and leases to deposits | 84.0336% | 2,492 |
| Net loans and leases to core deposits | 91.3808% | 2,473 |
| Total domestic deposits to total assets | 88.1353% | 1,038 |
| Equity capital to assets | 10.1943% | 3,796 |
| Core capital (leverage) ratio | 9.8434% | 3,768 |
| Tier 1 risk-based capital ratio | 10.7539% | 5,014 |
| Total risk-based capital ratio | 12.0106% | 4,924 |
| Memoranda: | ||
| Average total assets | $3,423,002,000 | 298 |
| Average earning assets | $3,126,377,000 | 293 |
| Average equity | $337,073,330 | 320 |
| Average total loans | $2,578,035,670 | 283 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 2,057 |
| Cost of funding earning assets | 0.3617% | 4,640 |
| Net interest margin | 4.3855% | 933 |
| Noninterest income to average assets | 0.8504% | 1,168 |
| Noninterest expense to average assets | 2.6537% | 3,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6347% | 833 |
| Return on assets (ROA) | 1.6347% | 863 |
| Pretax return on assets | 2.2009% | 450 |
| Return on Equity (ROE) | 16.8994% | 489 |
| Retained earnings to average equity (ytd only) | 16.8994% | 188 |
| Net charge-offs to loans | 0.0559% | 1,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 52.3733% | 996 |
| Efficiency ratio | 54.6645% | 4,473 |
| Assets per employee ($millions) | 9.3287% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1415% | 390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,722 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.8904% | 1,829 |
| Net loans and leases to deposits | 83.3924% | 2,453 |
| Net loans and leases to core deposits | 90.8136% | 2,417 |
| Total domestic deposits to total assets | 88.6057% | 1,035 |
| Equity capital to assets | 10.0115% | 3,813 |
| Core capital (leverage) ratio | 9.6308% | 3,995 |
| Tier 1 risk-based capital ratio | 10.6237% | 5,143 |
| Total risk-based capital ratio | 11.8806% | 5,033 |
| Memoranda: | ||
| Average total assets | $3,417,205,500 | 300 |
| Average earning assets | $3,120,130,000 | 293 |
| Average equity | $330,544,000 | 326 |
| Average total loans | $2,567,604,500 | 284 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 2,256 |
| Cost of funding earning assets | 0.2549% | 4,782 |
| Net interest margin | 4.3052% | 1,143 |
| Noninterest income to average assets | 0.5423% | 2,594 |
| Noninterest expense to average assets | 2.3580% | 3,976 |
| Loan and lease loss provision to assets | 0.1750% | 1,132 |
| Net operating income to assets | 1.5028% | 1,114 |
| Return on assets (ROA) | 1.4713% | 1,192 |
| Pretax return on assets | 1.9369% | 653 |
| Return on Equity (ROE) | 15.1611% | 791 |
| Retained earnings to average equity (ytd only) | -8.6322% | 5,299 |
| Net charge-offs to loans | 0.0259% | 2,893 |
| Credit loss provision to net charge-offs | 907.0492% | 396 |
| Earnings coverage of net charge-offs (x) | 111.5344% | 684 |
| Efficiency ratio | 52.2869% | 4,771 |
| Assets per employee ($millions) | 9.1456% | 446 |
| Cash dividends to net income (ytd only)* | 156.9365% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1494% | 365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,742 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 73.1652% | 2,065 |
| Net loans and leases to deposits | 82.0060% | 2,730 |
| Net loans and leases to core deposits | 87.9707% | 2,757 |
| Total domestic deposits to total assets | 89.2193% | 766 |
| Equity capital to assets | 9.3387% | 4,286 |
| Core capital (leverage) ratio | 9.1530% | 4,505 |
| Tier 1 risk-based capital ratio | 10.1376% | 5,268 |
| Total risk-based capital ratio | 11.3947% | 5,204 |
| Memoranda: | ||
| Average total assets | $3,161,903,000 | 309 |
| Average earning assets | $2,913,818,600 | 307 |
| Average equity | $306,851,200 | 340 |
| Average total loans | $2,356,533,400 | 300 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 2,331 |
| Cost of funding earning assets | 0.2313% | 4,883 |
| Net interest margin | 4.2604% | 1,211 |
| Noninterest income to average assets | 0.6751% | 1,957 |
| Noninterest expense to average assets | 2.5074% | 3,568 |
| Loan and lease loss provision to assets | 0.1437% | 1,383 |
| Net operating income to assets | 1.4966% | 1,202 |
| Return on assets (ROA) | 1.4513% | 1,323 |
| Pretax return on assets | 1.9008% | 814 |
| Return on Equity (ROE) | 14.8000% | 920 |
| Retained earnings to average equity (ytd only) | -2.0012% | 5,199 |
| Net charge-offs to loans | 0.0353% | 2,383 |
| Credit loss provision to net charge-offs | 547.2906% | 645 |
| Earnings coverage of net charge-offs (x) | 80.0542% | 877 |
| Efficiency ratio | 54.4002% | 4,572 |
| Assets per employee ($millions) | 9.0407% | 443 |
| Cash dividends to net income (ytd only)* | 113.5215% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1959% | 366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 4,849 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 74.4821% | 1,907 |
| Net loans and leases to deposits | 85.0286% | 2,473 |
| Net loans and leases to core deposits | 92.0040% | 2,482 |
| Total domestic deposits to total assets | 87.5965% | 1,444 |
| Equity capital to assets | 9.3861% | 4,196 |
| Core capital (leverage) ratio | 9.7803% | 3,861 |
| Tier 1 risk-based capital ratio | 10.7287% | 5,157 |
| Total risk-based capital ratio | 11.9866% | 5,054 |
| Memoranda: | ||
| Average total assets | $3,092,688,750 | 313 |
| Average earning assets | $2,855,826,250 | 308 |
| Average equity | $303,280,500 | 339 |
| Average total loans | $2,302,856,500 | 306 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 2,412 |
| Cost of funding earning assets | 0.2072% | 4,997 |
| Net interest margin | 4.1929% | 1,308 |
| Noninterest income to average assets | 0.6850% | 1,930 |
| Noninterest expense to average assets | 2.5027% | 3,625 |
| Loan and lease loss provision to assets | 0.0543% | 2,820 |
| Net operating income to assets | 1.4924% | 1,182 |
| Return on assets (ROA) | 1.4239% | 1,359 |
| Pretax return on assets | 1.9138% | 746 |
| Return on Equity (ROE) | 14.3085% | 1,009 |
| Retained earnings to average equity (ytd only) | 9.6771% | 1,019 |
| Net charge-offs to loans | 0.0034% | 3,055 |
| Credit loss provision to net charge-offs | 2,135.8974% | 196 |
| Earnings coverage of net charge-offs (x) | 807.6923% | 101 |
| Efficiency ratio | 54.9124% | 4,589 |
| Assets per employee ($millions) | 9.2669% | 407 |
| Cash dividends to net income (ytd only)* | 32.3682% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1812% | 385 |
| Loan loss allowance to noncurrent loans | 7,014.6776% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 4,766 |
| Noncurrent loans to loans | 0.0311% | 4,780 |
| Net loans and leases to total assets | 74.3165% | 1,894 |
| Net loans and leases to deposits | 84.9790% | 2,431 |
| Net loans and leases to core deposits | 92.0739% | 2,393 |
| Total domestic deposits to total assets | 87.4528% | 1,665 |
| Equity capital to assets | 10.1563% | 3,479 |
| Core capital (leverage) ratio | 10.4312% | 3,097 |
| Tier 1 risk-based capital ratio | 11.5434% | 4,769 |
| Total risk-based capital ratio | 12.8011% | 4,653 |
| Memoranda: | ||
| Average total assets | $3,065,821,000 | 312 |
| Average earning assets | $2,831,612,670 | 307 |
| Average equity | $305,091,330 | 335 |
| Average total loans | $2,264,941,670 | 303 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 2,554 |
| Cost of funding earning assets | 0.1991% | 5,022 |
| Net interest margin | 4.0923% | 1,458 |
| Noninterest income to average assets | 0.6010% | 2,249 |
| Noninterest expense to average assets | 2.4555% | 3,798 |
| Loan and lease loss provision to assets | 0.0436% | 2,887 |
| Net operating income to assets | 1.4010% | 1,340 |
| Return on assets (ROA) | 1.4010% | 1,345 |
| Pretax return on assets | 1.8828% | 758 |
| Return on Equity (ROE) | 14.2265% | 959 |
| Retained earnings to average equity (ytd only) | 13.6948% | 434 |
| Net charge-offs to loans | -0.0002% | 3,735 |
| Credit loss provision to net charge-offs | -33,300.0000% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0372% | 4,576 |
| Assets per employee ($millions) | 9.2078% | 409 |
| Cash dividends to net income (ytd only)* | 3.7373% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2673% | 340 |
| Loan loss allowance to noncurrent loans | 62,564.1975% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,952 |
| Noncurrent loans to loans | 0.0036% | 5,008 |
| Net loans and leases to total assets | 71.6722% | 2,228 |
| Net loans and leases to deposits | 80.8420% | 2,714 |
| Net loans and leases to core deposits | 88.2158% | 2,614 |
| Total domestic deposits to total assets | 88.6571% | 1,279 |
| Equity capital to assets | 9.9818% | 3,615 |
| Core capital (leverage) ratio | 10.1481% | 3,362 |
| Tier 1 risk-based capital ratio | 11.6880% | 4,749 |
| Total risk-based capital ratio | 12.9465% | 4,632 |
| Memoranda: | ||
| Average total assets | $3,055,796,000 | 314 |
| Average earning assets | $2,823,322,000 | 308 |
| Average equity | $300,932,000 | 340 |
| Average total loans | $2,225,188,500 | 305 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 2,962 |
| Cost of funding earning assets | 0.2122% | 4,851 |
| Net interest margin | 3.9153% | 2,043 |
| Noninterest income to average assets | 0.5619% | 2,646 |
| Noninterest expense to average assets | 2.2100% | 4,507 |
| Loan and lease loss provision to assets | 0.0949% | 2,306 |
| Net operating income to assets | 0.9681% | 2,369 |
| Return on assets (ROA) | 0.9709% | 2,405 |
| Pretax return on assets | 1.8658% | 654 |
| Return on Equity (ROE) | 9.8014% | 1,978 |
| Retained earnings to average equity (ytd only) | 1.8743% | 4,187 |
| Net charge-offs to loans | 0.0194% | 3,457 |
| Credit loss provision to net charge-offs | 669.0141% | 486 |
| Earnings coverage of net charge-offs (x) | 137.8826% | 503 |
| Efficiency ratio | 53.0434% | 5,032 |
| Assets per employee ($millions) | 9.2563% | 411 |
| Cash dividends to net income (ytd only)* | 80.8776% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2725% | 321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 5,005 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.6619% | 2,423 |
| Net loans and leases to deposits | 79.4669% | 2,974 |
| Net loans and leases to core deposits | 85.8326% | 2,918 |
| Total domestic deposits to total assets | 88.9198% | 1,038 |
| Equity capital to assets | 9.7148% | 4,014 |
| Core capital (leverage) ratio | 9.6522% | 3,864 |
| Tier 1 risk-based capital ratio | 11.4018% | 4,916 |
| Total risk-based capital ratio | 12.6603% | 4,791 |
| Memoranda: | ||
| Average total assets | $3,002,395,600 | 306 |
| Average earning assets | $2,764,034,400 | 303 |
| Average equity | $297,395,000 | 332 |
| Average total loans | $2,191,957,800 | 297 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 2,990 |
| Cost of funding earning assets | 0.2110% | 4,880 |
| Net interest margin | 3.8872% | 2,078 |
| Noninterest income to average assets | 0.5774% | 2,593 |
| Noninterest expense to average assets | 2.2434% | 4,433 |
| Loan and lease loss provision to assets | 0.1272% | 1,701 |
| Net operating income to assets | 1.1296% | 1,956 |
| Return on assets (ROA) | 1.1334% | 2,001 |
| Pretax return on assets | 1.7917% | 907 |
| Return on Equity (ROE) | 11.3858% | 1,532 |
| Retained earnings to average equity (ytd only) | 3.3703% | 3,923 |
| Net charge-offs to loans | 0.0015% | 3,721 |
| Credit loss provision to net charge-offs | 11,400.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 1,714.5287% | 50 |
| Efficiency ratio | 53.9729% | 4,939 |
| Assets per employee ($millions) | 9.2199% | 398 |
| Cash dividends to net income (ytd only)* | 70.3990% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2891% | 350 |
| Loan loss allowance to noncurrent loans | 1,268,600.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 5,102 |
| Noncurrent loans to loans | 0.0002% | 5,171 |
| Net loans and leases to total assets | 70.7618% | 2,446 |
| Net loans and leases to deposits | 79.8918% | 2,986 |
| Net loans and leases to core deposits | 88.4160% | 2,731 |
| Total domestic deposits to total assets | 88.5721% | 1,087 |
| Equity capital to assets | 9.8271% | 4,110 |
| Core capital (leverage) ratio | 9.8492% | 3,754 |
| Tier 1 risk-based capital ratio | 11.5278% | 4,950 |
| Total risk-based capital ratio | 12.7867% | 4,829 |
| Memoranda: | ||
| Average total assets | $2,987,039,500 | 310 |
| Average earning assets | $2,750,281,750 | 308 |
| Average equity | $297,333,000 | 335 |
| Average total loans | $2,186,123,500 | 296 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 3,054 |
| Cost of funding earning assets | 0.1987% | 4,996 |
| Net interest margin | 3.8392% | 2,136 |
| Noninterest income to average assets | 0.6274% | 2,330 |
| Noninterest expense to average assets | 2.3219% | 4,286 |
| Loan and lease loss provision to assets | 0.0844% | 2,298 |
| Net operating income to assets | 1.1122% | 1,916 |
| Return on assets (ROA) | 1.1179% | 1,943 |
| Pretax return on assets | 1.7617% | 919 |
| Return on Equity (ROE) | 11.1813% | 1,569 |
| Retained earnings to average equity (ytd only) | 6.2011% | 2,017 |
| Net charge-offs to loans | 0.0097% | 3,120 |
| Credit loss provision to net charge-offs | 1,190.4762% | 342 |
| Earnings coverage of net charge-offs (x) | 259.1714% | 331 |
| Efficiency ratio | 55.8266% | 4,851 |
| Assets per employee ($millions) | 9.1535% | 402 |
| Cash dividends to net income (ytd only)* | 44.5404% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2261% | 415 |
| Loan loss allowance to noncurrent loans | 3,257.9017% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 4,883 |
| Noncurrent loans to loans | 0.0683% | 4,852 |
| Net loans and leases to total assets | 71.5593% | 2,269 |
| Net loans and leases to deposits | 80.9248% | 2,813 |
| Net loans and leases to core deposits | 90.9485% | 2,437 |
| Total domestic deposits to total assets | 88.4269% | 1,245 |
| Equity capital to assets | 9.9667% | 3,951 |
| Core capital (leverage) ratio | 10.1191% | 3,380 |
| Tier 1 risk-based capital ratio | 11.7267% | 4,821 |
| Total risk-based capital ratio | 12.9852% | 4,700 |
| Memoranda: | ||
| Average total assets | $2,962,378,670 | 314 |
| Average earning assets | $2,725,127,000 | 312 |
| Average equity | $296,173,670 | 337 |
| Average total loans | $2,175,905,000 | 300 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 2,997 |
| Cost of funding earning assets | 0.1889% | 5,076 |
| Net interest margin | 3.8214% | 2,039 |
| Noninterest income to average assets | 0.6186% | 2,331 |
| Noninterest expense to average assets | 2.3272% | 4,334 |
| Loan and lease loss provision to assets | 0.0817% | 2,183 |
| Net operating income to assets | 1.0990% | 1,877 |
| Return on assets (ROA) | 1.0990% | 1,917 |
| Pretax return on assets | 1.7269% | 945 |
| Return on Equity (ROE) | 10.9754% | 1,578 |
| Retained earnings to average equity (ytd only) | 10.9754% | 612 |
| Net charge-offs to loans | 0.0220% | 2,332 |
| Credit loss provision to net charge-offs | 504.2017% | 558 |
| Earnings coverage of net charge-offs (x) | 111.6134% | 486 |
| Efficiency ratio | 56.2718% | 4,906 |
| Assets per employee ($millions) | 8.8971% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2553% | 437 |
| Loan loss allowance to noncurrent loans | 3,406.0521% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 4,779 |
| Noncurrent loans to loans | 0.0662% | 4,934 |
| Net loans and leases to total assets | 71.0136% | 2,220 |
| Net loans and leases to deposits | 80.3978% | 2,699 |
| Net loans and leases to core deposits | 90.6440% | 2,299 |
| Total domestic deposits to total assets | 88.3278% | 1,519 |
| Equity capital to assets | 10.1087% | 3,611 |
| Core capital (leverage) ratio | 10.1370% | 3,332 |
| Tier 1 risk-based capital ratio | 12.0055% | 4,717 |
| Total risk-based capital ratio | 13.2644% | 4,603 |
| Memoranda: | ||
| Average total assets | $2,937,810,500 | 319 |
| Average earning assets | $2,703,802,500 | 314 |
| Average equity | $294,185,500 | 336 |
| Average total loans | $2,161,816,500 | 303 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,273 |
| Cost of funding earning assets | 0.1540% | 5,399 |
| Net interest margin | 3.8247% | 2,231 |
| Noninterest income to average assets | 0.9212% | 1,344 |
| Noninterest expense to average assets | 2.4013% | 4,296 |
| Loan and lease loss provision to assets | 0.2338% | 926 |
| Net operating income to assets | 1.1627% | 1,636 |
| Return on assets (ROA) | 1.1559% | 1,765 |
| Pretax return on assets | 1.7824% | 831 |
| Return on Equity (ROE) | 11.3394% | 1,451 |
| Retained earnings to average equity (ytd only) | 6.1708% | 1,617 |
| Net charge-offs to loans | -0.0029% | 4,744 |
| Credit loss provision to net charge-offs | -10,558.3333% | 5,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2300% | 5,229 |
| Assets per employee ($millions) | 8.5935% | 487 |
| Cash dividends to net income (ytd only)* | 45.5808% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2005% | 468 |
| Loan loss allowance to noncurrent loans | 1,559.3557% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 4,374 |
| Noncurrent loans to loans | 0.1411% | 4,666 |
| Net loans and leases to total assets | 72.8900% | 2,025 |
| Net loans and leases to deposits | 82.4759% | 2,609 |
| Net loans and leases to core deposits | 92.3902% | 2,260 |
| Total domestic deposits to total assets | 88.3773% | 1,453 |
| Equity capital to assets | 9.9178% | 3,801 |
| Core capital (leverage) ratio | 10.0804% | 3,388 |
| Tier 1 risk-based capital ratio | 11.5353% | 5,034 |
| Total risk-based capital ratio | 12.7939% | 4,933 |
| Memoranda: | ||
| Average total assets | $2,709,510,400 | 322 |
| Average earning assets | $2,484,326,800 | 321 |
| Average equity | $276,188,600 | 337 |
| Average total loans | $2,062,961,600 | 301 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,176 |
| Cost of funding earning assets | 0.1483% | 5,495 |
| Net interest margin | 3.8654% | 2,099 |
| Noninterest income to average assets | 0.8846% | 1,460 |
| Noninterest expense to average assets | 2.4299% | 4,197 |
| Loan and lease loss provision to assets | 0.1430% | 1,632 |
| Net operating income to assets | 1.1756% | 1,715 |
| Return on assets (ROA) | 1.1664% | 1,848 |
| Pretax return on assets | 1.8415% | 819 |
| Return on Equity (ROE) | 11.3583% | 1,535 |
| Retained earnings to average equity (ytd only) | 8.2914% | 1,048 |
| Net charge-offs to loans | -0.0048% | 4,614 |
| Credit loss provision to net charge-offs | -3,851.3514% | 5,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8664% | 5,166 |
| Assets per employee ($millions) | 8.6310% | 459 |
| Cash dividends to net income (ytd only)* | 27.0020% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1373% | 566 |
| Loan loss allowance to noncurrent loans | 1,445.9336% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 4,868 |
| Noncurrent loans to loans | 0.1478% | 4,753 |
| Net loans and leases to total assets | 74.6218% | 1,770 |
| Net loans and leases to deposits | 86.3730% | 2,225 |
| Net loans and leases to core deposits | 97.6836% | 1,843 |
| Total domestic deposits to total assets | 86.3949% | 2,170 |
| Equity capital to assets | 10.3506% | 3,744 |
| Core capital (leverage) ratio | 10.5558% | 2,930 |
| Tier 1 risk-based capital ratio | 11.5463% | 5,057 |
| Total risk-based capital ratio | 12.8038% | 4,970 |
| Memoranda: | ||
| Average total assets | $2,656,444,250 | 326 |
| Average earning assets | $2,435,718,500 | 323 |
| Average equity | $272,791,500 | 339 |
| Average total loans | $2,034,301,750 | 302 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,277 |
| Cost of funding earning assets | 0.1400% | 5,611 |
| Net interest margin | 3.8491% | 2,142 |
| Noninterest income to average assets | 0.9731% | 1,194 |
| Noninterest expense to average assets | 2.4455% | 4,202 |
| Loan and lease loss provision to assets | 0.1975% | 1,092 |
| Net operating income to assets | 1.1825% | 1,661 |
| Return on assets (ROA) | 1.1685% | 1,807 |
| Pretax return on assets | 1.8402% | 800 |
| Return on Equity (ROE) | 11.4101% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.7554% | 1,737 |
| Net charge-offs to loans | 0.0005% | 3,683 |
| Credit loss provision to net charge-offs | 52,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 5,422.8000% | 5 |
| Efficiency ratio | 54.2812% | 5,289 |
| Assets per employee ($millions) | 8.4872% | 479 |
| Cash dividends to net income (ytd only)* | 40.7944% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1333% | 593 |
| Loan loss allowance to noncurrent loans | 1,951.2605% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 5,059 |
| Noncurrent loans to loans | 0.1093% | 5,012 |
| Net loans and leases to total assets | 75.2286% | 1,611 |
| Net loans and leases to deposits | 86.9147% | 2,145 |
| Net loans and leases to core deposits | 97.6965% | 1,834 |
| Total domestic deposits to total assets | 86.5545% | 2,137 |
| Equity capital to assets | 10.2160% | 3,955 |
| Core capital (leverage) ratio | 10.5227% | 2,947 |
| Tier 1 risk-based capital ratio | 11.2286% | 5,300 |
| Total risk-based capital ratio | 12.4859% | 5,209 |
| Memoranda: | ||
| Average total assets | $2,632,798,670 | 327 |
| Average earning assets | $2,415,957,670 | 326 |
| Average equity | $269,621,670 | 340 |
| Average total loans | $2,019,179,000 | 305 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,195 |
| Cost of funding earning assets | 0.1391% | 5,686 |
| Net interest margin | 3.8701% | 2,036 |
| Noninterest income to average assets | 1.3572% | 601 |
| Noninterest expense to average assets | 2.5990% | 3,753 |
| Loan and lease loss provision to assets | 0.3994% | 345 |
| Net operating income to assets | 1.2134% | 1,510 |
| Return on assets (ROA) | 1.1850% | 1,703 |
| Pretax return on assets | 1.8653% | 743 |
| Return on Equity (ROE) | 11.5564% | 1,439 |
| Retained earnings to average equity (ytd only) | 10.9572% | 659 |
| Net charge-offs to loans | -0.0010% | 4,081 |
| Credit loss provision to net charge-offs | -52,000.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9530% | 5,458 |
| Assets per employee ($millions) | 8.2836% | 511 |
| Cash dividends to net income (ytd only)* | 5.1854% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2141% | 580 |
| Loan loss allowance to noncurrent loans | 1,921.1580% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 5,131 |
| Noncurrent loans to loans | 0.1152% | 5,015 |
| Net loans and leases to total assets | 75.1687% | 1,522 |
| Net loans and leases to deposits | 86.3528% | 2,027 |
| Net loans and leases to core deposits | 97.2503% | 1,687 |
| Total domestic deposits to total assets | 87.0484% | 2,192 |
| Equity capital to assets | 10.5054% | 3,487 |
| Core capital (leverage) ratio | 10.4277% | 3,043 |
| Tier 1 risk-based capital ratio | 11.4124% | 5,274 |
| Total risk-based capital ratio | 12.6702% | 5,178 |
| Memoranda: | ||
| Average total assets | $2,603,971,500 | 328 |
| Average earning assets | $2,389,194,000 | 325 |
| Average equity | $267,003,500 | 341 |
| Average total loans | $1,994,715,000 | 304 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 3,403 |
| Cost of funding earning assets | 0.1329% | 5,797 |
| Net interest margin | 3.8428% | 2,223 |
| Noninterest income to average assets | 0.6274% | 2,578 |
| Noninterest expense to average assets | 2.2643% | 4,893 |
| Loan and lease loss provision to assets | 0.0304% | 3,764 |
| Net operating income to assets | 1.1357% | 1,786 |
| Return on assets (ROA) | 1.1428% | 1,823 |
| Pretax return on assets | 1.8526% | 719 |
| Return on Equity (ROE) | 11.1334% | 1,568 |
| Retained earnings to average equity (ytd only) | 6.8439% | 1,351 |
| Net charge-offs to loans | -0.2938% | 6,012 |
| Credit loss provision to net charge-offs | -13.9613% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7443% | 5,469 |
| Assets per employee ($millions) | 8.2759% | 503 |
| Cash dividends to net income (ytd only)* | 38.5283% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0799% | 705 |
| Loan loss allowance to noncurrent loans | 1,925.0348% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 4,901 |
| Noncurrent loans to loans | 0.1080% | 5,071 |
| Net loans and leases to total assets | 74.7495% | 1,607 |
| Net loans and leases to deposits | 85.8081% | 2,155 |
| Net loans and leases to core deposits | 96.1577% | 1,831 |
| Total domestic deposits to total assets | 87.1123% | 2,069 |
| Equity capital to assets | 10.0042% | 3,952 |
| Core capital (leverage) ratio | 10.2968% | 3,158 |
| Tier 1 risk-based capital ratio | 10.9631% | 5,537 |
| Total risk-based capital ratio | 12.2192% | 5,440 |
| Memoranda: | ||
| Average total assets | $2,469,820,400 | 324 |
| Average earning assets | $2,255,137,200 | 320 |
| Average equity | $253,526,000 | 344 |
| Average total loans | $1,828,567,000 | 303 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,545 |
| Cost of funding earning assets | 0.1346% | 5,892 |
| Net interest margin | 3.8151% | 2,329 |
| Noninterest income to average assets | 0.6243% | 2,611 |
| Noninterest expense to average assets | 2.2372% | 4,947 |
| Loan and lease loss provision to assets | 0.0356% | 3,507 |
| Net operating income to assets | 1.1296% | 1,896 |
| Return on assets (ROA) | 1.1391% | 1,939 |
| Pretax return on assets | 1.8473% | 810 |
| Return on Equity (ROE) | 11.0221% | 1,696 |
| Retained earnings to average equity (ytd only) | 8.1726% | 1,184 |
| Net charge-offs to loans | -0.2267% | 6,023 |
| Credit loss provision to net charge-offs | -21.3957% | 4,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4957% | 5,474 |
| Assets per employee ($millions) | 7.9109% | 564 |
| Cash dividends to net income (ytd only)* | 25.8525% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0463% | 851 |
| Loan loss allowance to noncurrent loans | 1,347.0021% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 4,903 |
| Noncurrent loans to loans | 0.1519% | 5,028 |
| Net loans and leases to total assets | 74.8520% | 1,575 |
| Net loans and leases to deposits | 87.7214% | 1,940 |
| Net loans and leases to core deposits | 99.1837% | 1,587 |
| Total domestic deposits to total assets | 85.3291% | 2,865 |
| Equity capital to assets | 10.4427% | 3,657 |
| Core capital (leverage) ratio | 10.4384% | 3,121 |
| Tier 1 risk-based capital ratio | 10.9857% | 5,667 |
| Total risk-based capital ratio | 12.2409% | 5,562 |
| Memoranda: | ||
| Average total assets | $2,433,479,500 | 332 |
| Average earning assets | $2,220,298,500 | 328 |
| Average equity | $251,500,750 | 356 |
| Average total loans | $1,786,619,000 | 311 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 3,674 |
| Cost of funding earning assets | 0.1335% | 5,958 |
| Net interest margin | 3.7698% | 2,440 |
| Noninterest income to average assets | 0.7417% | 2,037 |
| Noninterest expense to average assets | 2.2973% | 4,852 |
| Loan and lease loss provision to assets | 0.0539% | 3,037 |
| Net operating income to assets | 1.1255% | 1,855 |
| Return on assets (ROA) | 1.1258% | 1,942 |
| Pretax return on assets | 1.8255% | 852 |
| Return on Equity (ROE) | 10.9328% | 1,701 |
| Retained earnings to average equity (ytd only) | 6.6036% | 1,899 |
| Net charge-offs to loans | -0.3420% | 6,147 |
| Credit loss provision to net charge-offs | -21.7755% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0087% | 5,508 |
| Assets per employee ($millions) | 7.7824% | 584 |
| Cash dividends to net income (ytd only)* | 39.5978% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1465% | 798 |
| Loan loss allowance to noncurrent loans | 1,326.4356% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 4,991 |
| Noncurrent loans to loans | 0.1618% | 5,115 |
| Net loans and leases to total assets | 72.3643% | 1,923 |
| Net loans and leases to deposits | 82.1449% | 2,533 |
| Net loans and leases to core deposits | 93.0270% | 2,064 |
| Total domestic deposits to total assets | 88.0935% | 1,600 |
| Equity capital to assets | 10.2029% | 3,804 |
| Core capital (leverage) ratio | 10.3422% | 3,156 |
| Tier 1 risk-based capital ratio | 11.4008% | 5,525 |
| Total risk-based capital ratio | 12.6575% | 5,453 |
| Memoranda: | ||
| Average total assets | $2,411,359,000 | 333 |
| Average earning assets | $2,196,911,330 | 331 |
| Average equity | $248,317,330 | 360 |
| Average total loans | $1,745,402,000 | 313 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 3,591 |
| Cost of funding earning assets | 0.1311% | 6,054 |
| Net interest margin | 3.7725% | 2,341 |
| Noninterest income to average assets | 0.7958% | 1,728 |
| Noninterest expense to average assets | 2.3310% | 4,793 |
| Loan and lease loss provision to assets | 0.1005% | 2,017 |
| Net operating income to assets | 1.1102% | 1,836 |
| Return on assets (ROA) | 1.1103% | 1,942 |
| Pretax return on assets | 1.7984% | 866 |
| Return on Equity (ROE) | 10.7311% | 1,725 |
| Retained earnings to average equity (ytd only) | 10.7311% | 768 |
| Net charge-offs to loans | -0.6877% | 6,286 |
| Credit loss provision to net charge-offs | -20.4221% | 4,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1097% | 5,586 |
| Assets per employee ($millions) | 7.7364% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2834% | 721 |
| Loan loss allowance to noncurrent loans | 1,627.9264% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 4,993 |
| Noncurrent loans to loans | 0.1403% | 5,273 |
| Net loans and leases to total assets | 69.0365% | 2,281 |
| Net loans and leases to deposits | 78.8921% | 2,696 |
| Net loans and leases to core deposits | 89.3833% | 2,187 |
| Total domestic deposits to total assets | 87.5075% | 2,102 |
| Equity capital to assets | 10.4064% | 3,640 |
| Core capital (leverage) ratio | 10.4469% | 3,033 |
| Tier 1 risk-based capital ratio | 11.9856% | 5,247 |
| Total risk-based capital ratio | 13.2435% | 5,138 |
| Memoranda: | ||
| Average total assets | $2,387,422,500 | 336 |
| Average earning assets | $2,173,196,000 | 331 |
| Average equity | $247,019,500 | 359 |
| Average total loans | $1,708,782,000 | 315 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 3,372 |
| Cost of funding earning assets | 0.1262% | 6,220 |
| Net interest margin | 3.9608% | 2,007 |
| Noninterest income to average assets | 0.6906% | 2,344 |
| Noninterest expense to average assets | 2.3040% | 5,103 |
| Loan and lease loss provision to assets | 0.0538% | 3,482 |
| Net operating income to assets | 1.1979% | 1,588 |
| Return on assets (ROA) | 1.2005% | 1,642 |
| Pretax return on assets | 1.9187% | 612 |
| Return on Equity (ROE) | 11.3065% | 1,617 |
| Retained earnings to average equity (ytd only) | 7.8556% | 1,073 |
| Net charge-offs to loans | 0.0031% | 4,901 |
| Credit loss provision to net charge-offs | 2,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 914.3830% | 48 |
| Efficiency ratio | 53.9280% | 5,847 |
| Assets per employee ($millions) | 7.6164% | 625 |
| Cash dividends to net income (ytd only)* | 30.5215% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0676% | 999 |
| Loan loss allowance to noncurrent loans | 1,560.2468% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 5,082 |
| Noncurrent loans to loans | 0.1325% | 5,363 |
| Net loans and leases to total assets | 71.0202% | 2,072 |
| Net loans and leases to deposits | 81.1804% | 2,583 |
| Net loans and leases to core deposits | 91.6877% | 2,125 |
| Total domestic deposits to total assets | 87.4844% | 2,044 |
| Equity capital to assets | 10.2856% | 3,748 |
| Core capital (leverage) ratio | 10.5563% | 2,888 |
| Tier 1 risk-based capital ratio | 11.6598% | 5,570 |
| Total risk-based capital ratio | 12.9156% | 5,477 |
| Memoranda: | ||
| Average total assets | $2,183,349,600 | 341 |
| Average earning assets | $1,974,383,600 | 343 |
| Average equity | $231,823,000 | 356 |
| Average total loans | $1,515,798,000 | 329 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,518 |
| Cost of funding earning assets | 0.1258% | 6,305 |
| Net interest margin | 3.9358% | 2,089 |
| Noninterest income to average assets | 0.6410% | 2,622 |
| Noninterest expense to average assets | 2.2740% | 5,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2087% | 1,656 |
| Return on assets (ROA) | 1.2102% | 1,713 |
| Pretax return on assets | 1.9255% | 673 |
| Return on Equity (ROE) | 11.3001% | 1,686 |
| Retained earnings to average equity (ytd only) | 8.2152% | 1,260 |
| Net charge-offs to loans | 0.0006% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4,408.8928% | 6 |
| Efficiency ratio | 54.1793% | 5,799 |
| Assets per employee ($millions) | 7.3034% | 698 |
| Cash dividends to net income (ytd only)* | 27.2999% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1208% | 1,059 |
| Loan loss allowance to noncurrent loans | 1,372.3268% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 5,196 |
| Noncurrent loans to loans | 0.1545% | 5,443 |
| Net loans and leases to total assets | 71.9414% | 1,862 |
| Net loans and leases to deposits | 84.2313% | 2,117 |
| Net loans and leases to core deposits | 94.5804% | 1,797 |
| Total domestic deposits to total assets | 85.4094% | 3,154 |
| Equity capital to assets | 10.7886% | 3,193 |
| Core capital (leverage) ratio | 10.9224% | 2,560 |
| Tier 1 risk-based capital ratio | 12.1797% | 5,380 |
| Total risk-based capital ratio | 13.4362% | 5,293 |
| Memoranda: | ||
| Average total assets | $2,138,917,500 | 345 |
| Average earning assets | $1,932,583,000 | 346 |
| Average equity | $229,065,750 | 353 |
| Average total loans | $1,466,686,500 | 333 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 3,685 |
| Cost of funding earning assets | 0.1253% | 6,382 |
| Net interest margin | 3.8872% | 2,226 |
| Noninterest income to average assets | 0.6824% | 2,365 |
| Noninterest expense to average assets | 2.2806% | 5,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2051% | 1,572 |
| Return on assets (ROA) | 1.2072% | 1,626 |
| Pretax return on assets | 1.9137% | 667 |
| Return on Equity (ROE) | 11.3012% | 1,631 |
| Retained earnings to average equity (ytd only) | 6.6185% | 1,968 |
| Net charge-offs to loans | -0.0023% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4148% | 5,875 |
| Assets per employee ($millions) | 7.1551% | 744 |
| Cash dividends to net income (ytd only)* | 41.4354% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2864% | 916 |
| Loan loss allowance to noncurrent loans | 1,361.2545% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 5,282 |
| Noncurrent loans to loans | 0.1680% | 5,512 |
| Net loans and leases to total assets | 68.0420% | 2,408 |
| Net loans and leases to deposits | 78.6271% | 2,717 |
| Net loans and leases to core deposits | 88.4999% | 2,259 |
| Total domestic deposits to total assets | 86.5375% | 2,738 |
| Equity capital to assets | 10.7519% | 3,145 |
| Core capital (leverage) ratio | 10.8790% | 2,551 |
| Tier 1 risk-based capital ratio | 12.1945% | 5,426 |
| Total risk-based capital ratio | 13.4517% | 5,335 |
| Memoranda: | ||
| Average total assets | $2,119,116,330 | 348 |
| Average earning assets | $1,912,783,000 | 345 |
| Average equity | $226,365,000 | 354 |
| Average total loans | $1,416,991,670 | 334 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 3,655 |
| Cost of funding earning assets | 0.1264% | 6,463 |
| Net interest margin | 3.8797% | 2,158 |
| Noninterest income to average assets | 0.6124% | 2,662 |
| Noninterest expense to average assets | 2.1688% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2342% | 1,389 |
| Return on assets (ROA) | 1.2345% | 1,446 |
| Pretax return on assets | 1.9494% | 592 |
| Return on Equity (ROE) | 11.5960% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.5960% | 664 |
| Net charge-offs to loans | -0.0009% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6715% | 6,101 |
| Assets per employee ($millions) | 7.1630% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5148% | 803 |
| Loan loss allowance to noncurrent loans | 1,094.0632% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 5,250 |
| Noncurrent loans to loans | 0.2299% | 5,411 |
| Net loans and leases to total assets | 62.4583% | 3,158 |
| Net loans and leases to deposits | 72.1574% | 3,318 |
| Net loans and leases to core deposits | 81.3603% | 2,811 |
| Total domestic deposits to total assets | 86.5584% | 3,071 |
| Equity capital to assets | 10.7121% | 3,025 |
| Core capital (leverage) ratio | 10.9332% | 2,458 |
| Tier 1 risk-based capital ratio | 13.2008% | 4,896 |
| Total risk-based capital ratio | 14.4599% | 4,826 |
| Memoranda: | ||
| Average total assets | $2,101,825,000 | 352 |
| Average earning assets | $1,898,917,000 | 349 |
| Average equity | $223,766,000 | 354 |
| Average total loans | $1,375,633,000 | 345 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 3,207 |
| Cost of funding earning assets | 0.1424% | 6,570 |
| Net interest margin | 4.0952% | 1,656 |
| Noninterest income to average assets | 0.8179% | 1,995 |
| Noninterest expense to average assets | 2.4944% | 4,779 |
| Loan and lease loss provision to assets | 0.0213% | 4,708 |
| Net operating income to assets | 1.2484% | 1,399 |
| Return on assets (ROA) | 1.2411% | 1,477 |
| Pretax return on assets | 1.9796% | 508 |
| Return on Equity (ROE) | 11.3955% | 1,637 |
| Retained earnings to average equity (ytd only) | 6.5942% | 1,631 |
| Net charge-offs to loans | 0.0285% | 4,855 |
| Credit loss provision to net charge-offs | 115.4891% | 2,094 |
| Earnings coverage of net charge-offs (x) | 109.2772% | 430 |
| Efficiency ratio | 55.3490% | 6,017 |
| Assets per employee ($millions) | 6.9439% | 791 |
| Cash dividends to net income (ytd only)* | 42.1337% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4689% | 853 |
| Loan loss allowance to noncurrent loans | 1,320.2619% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 5,228 |
| Noncurrent loans to loans | 0.1870% | 5,637 |
| Net loans and leases to total assets | 65.2127% | 2,818 |
| Net loans and leases to deposits | 74.8560% | 3,123 |
| Net loans and leases to core deposits | 84.6118% | 2,599 |
| Total domestic deposits to total assets | 87.1175% | 2,664 |
| Equity capital to assets | 10.5788% | 3,071 |
| Core capital (leverage) ratio | 11.0182% | 2,367 |
| Tier 1 risk-based capital ratio | 12.7215% | 5,158 |
| Total risk-based capital ratio | 13.9804% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,998,403,400 | 357 |
| Average earning assets | $1,800,129,200 | 354 |
| Average equity | $217,647,200 | 356 |
| Average total loans | $1,290,940,000 | 346 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 3,245 |
| Cost of funding earning assets | 0.1466% | 6,652 |
| Net interest margin | 4.0907% | 1,662 |
| Noninterest income to average assets | 0.8265% | 2,026 |
| Noninterest expense to average assets | 2.4579% | 4,851 |
| Loan and lease loss provision to assets | 0.0168% | 4,674 |
| Net operating income to assets | 1.2723% | 1,422 |
| Return on assets (ROA) | 1.2616% | 1,518 |
| Pretax return on assets | 2.0203% | 554 |
| Return on Equity (ROE) | 11.4978% | 1,656 |
| Retained earnings to average equity (ytd only) | 8.4278% | 1,245 |
| Net charge-offs to loans | 0.0375% | 4,397 |
| Credit loss provision to net charge-offs | 70.2247% | 3,068 |
| Earnings coverage of net charge-offs (x) | 85.6329% | 556 |
| Efficiency ratio | 54.4769% | 6,062 |
| Assets per employee ($millions) | 6.6599% | 867 |
| Cash dividends to net income (ytd only)* | 26.7008% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6283% | 813 |
| Loan loss allowance to noncurrent loans | 901.6918% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 5,271 |
| Noncurrent loans to loans | 0.2915% | 5,502 |
| Net loans and leases to total assets | 64.3208% | 2,947 |
| Net loans and leases to deposits | 74.5885% | 3,145 |
| Net loans and leases to core deposits | 85.2009% | 2,509 |
| Total domestic deposits to total assets | 86.2342% | 3,112 |
| Equity capital to assets | 11.2560% | 2,504 |
| Core capital (leverage) ratio | 11.1290% | 2,360 |
| Tier 1 risk-based capital ratio | 13.5521% | 4,724 |
| Total risk-based capital ratio | 14.8125% | 4,675 |
| Memoranda: | ||
| Average total assets | $1,978,948,000 | 361 |
| Average earning assets | $1,782,809,750 | 358 |
| Average equity | $217,149,000 | 354 |
| Average total loans | $1,266,616,000 | 350 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 3,572 |
| Cost of funding earning assets | 0.1475% | 6,722 |
| Net interest margin | 3.9955% | 1,871 |
| Noninterest income to average assets | 0.7680% | 2,336 |
| Noninterest expense to average assets | 2.4730% | 4,822 |
| Loan and lease loss provision to assets | 0.0252% | 4,414 |
| Net operating income to assets | 1.1717% | 1,664 |
| Return on assets (ROA) | 1.2290% | 1,621 |
| Pretax return on assets | 1.9673% | 644 |
| Return on Equity (ROE) | 11.2966% | 1,721 |
| Retained earnings to average equity (ytd only) | 6.6631% | 2,062 |
| Net charge-offs to loans | 0.0369% | 4,167 |
| Credit loss provision to net charge-offs | 107.7586% | 2,057 |
| Earnings coverage of net charge-offs (x) | 81.3534% | 557 |
| Efficiency ratio | 56.5135% | 5,899 |
| Assets per employee ($millions) | 6.9182% | 747 |
| Cash dividends to net income (ytd only)* | 41.0172% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6435% | 837 |
| Loan loss allowance to noncurrent loans | 328.3933% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 4,635 |
| Noncurrent loans to loans | 0.8050% | 4,300 |
| Net loans and leases to total assets | 62.8438% | 3,130 |
| Net loans and leases to deposits | 73.6876% | 3,203 |
| Net loans and leases to core deposits | 83.8473% | 2,583 |
| Total domestic deposits to total assets | 85.2840% | 3,749 |
| Equity capital to assets | 10.6155% | 3,153 |
| Core capital (leverage) ratio | 10.9661% | 2,391 |
| Tier 1 risk-based capital ratio | 13.2720% | 4,937 |
| Total risk-based capital ratio | 14.5328% | 4,876 |
| Memoranda: | ||
| Average total assets | $1,983,703,330 | 362 |
| Average earning assets | $1,791,277,330 | 356 |
| Average equity | $215,817,000 | 355 |
| Average total loans | $1,256,217,670 | 349 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 3,811 |
| Cost of funding earning assets | 0.1531% | 6,788 |
| Net interest margin | 3.9250% | 2,031 |
| Noninterest income to average assets | 0.9750% | 1,536 |
| Noninterest expense to average assets | 2.5745% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2113% | 1,498 |
| Return on assets (ROA) | 1.3068% | 1,363 |
| Pretax return on assets | 2.1014% | 491 |
| Return on Equity (ROE) | 11.8654% | 1,461 |
| Retained earnings to average equity (ytd only) | 11.8654% | 722 |
| Net charge-offs to loans | -0.0123% | 5,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8747% | 5,979 |
| Assets per employee ($millions) | 6.6806% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7925% | 825 |
| Loan loss allowance to noncurrent loans | 361.4159% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7216% | 4,563 |
| Noncurrent loans to loans | 0.7726% | 4,579 |
| Net loans and leases to total assets | 60.5060% | 3,346 |
| Net loans and leases to deposits | 69.5139% | 3,573 |
| Net loans and leases to core deposits | 78.9903% | 2,929 |
| Total domestic deposits to total assets | 87.0415% | 2,938 |
| Equity capital to assets | 11.1489% | 2,797 |
| Core capital (leverage) ratio | 10.9575% | 2,295 |
| Tier 1 risk-based capital ratio | 13.8591% | 4,608 |
| Total risk-based capital ratio | 15.1211% | 4,559 |
| Memoranda: | ||
| Average total assets | $1,972,415,500 | 368 |
| Average earning assets | $1,784,779,500 | 361 |
| Average equity | $217,237,500 | 361 |
| Average total loans | $1,236,798,500 | 359 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 3,495 |
| Cost of funding earning assets | 0.2744% | 6,572 |
| Net interest margin | 4.2032% | 1,653 |
| Noninterest income to average assets | 0.7262% | 2,602 |
| Noninterest expense to average assets | 2.4401% | 5,284 |
| Loan and lease loss provision to assets | 0.0958% | 4,459 |
| Net operating income to assets | 1.2458% | 1,459 |
| Return on assets (ROA) | 1.2510% | 1,605 |
| Pretax return on assets | 2.0055% | 590 |
| Return on Equity (ROE) | 11.5605% | 1,634 |
| Retained earnings to average equity (ytd only) | 6.3421% | 1,902 |
| Net charge-offs to loans | 0.0543% | 5,172 |
| Credit loss provision to net charge-offs | 284.6154% | 855 |
| Earnings coverage of net charge-offs (x) | 62.1569% | 578 |
| Efficiency ratio | 53.8268% | 6,284 |
| Assets per employee ($millions) | 6.6022% | 949 |
| Cash dividends to net income (ytd only)* | 45.1402% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7442% | 883 |
| Loan loss allowance to noncurrent loans | 368.0039% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 4,971 |
| Noncurrent loans to loans | 0.7457% | 4,688 |
| Net loans and leases to total assets | 61.4313% | 3,349 |
| Net loans and leases to deposits | 70.3994% | 3,654 |
| Net loans and leases to core deposits | 80.0157% | 2,996 |
| Total domestic deposits to total assets | 87.2612% | 2,671 |
| Equity capital to assets | 10.8789% | 3,089 |
| Core capital (leverage) ratio | 10.8641% | 2,375 |
| Tier 1 risk-based capital ratio | 13.6787% | 4,619 |
| Total risk-based capital ratio | 14.9412% | 4,558 |
| Memoranda: | ||
| Average total assets | $1,930,223,000 | 365 |
| Average earning assets | $1,748,275,200 | 359 |
| Average equity | $208,874,400 | 362 |
| Average total loans | $1,196,456,600 | 366 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 3,519 |
| Cost of funding earning assets | 0.3079% | 6,576 |
| Net interest margin | 4.2212% | 1,678 |
| Noninterest income to average assets | 0.7431% | 2,516 |
| Noninterest expense to average assets | 2.4766% | 5,159 |
| Loan and lease loss provision to assets | 0.0764% | 4,688 |
| Net operating income to assets | 1.2640% | 1,528 |
| Return on assets (ROA) | 1.2707% | 1,666 |
| Pretax return on assets | 2.0273% | 668 |
| Return on Equity (ROE) | 11.7584% | 1,722 |
| Retained earnings to average equity (ytd only) | 7.9656% | 1,628 |
| Net charge-offs to loans | 0.0578% | 4,853 |
| Credit loss provision to net charge-offs | 214.4250% | 1,295 |
| Earnings coverage of net charge-offs (x) | 58.7410% | 661 |
| Efficiency ratio | 54.1925% | 6,232 |
| Assets per employee ($millions) | 6.3218% | 1,049 |
| Cash dividends to net income (ytd only)* | 32.2563% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7771% | 903 |
| Loan loss allowance to noncurrent loans | 584.3158% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 5,563 |
| Noncurrent loans to loans | 0.4753% | 5,499 |
| Net loans and leases to total assets | 62.4463% | 3,308 |
| Net loans and leases to deposits | 72.0766% | 3,603 |
| Net loans and leases to core deposits | 83.4061% | 2,762 |
| Total domestic deposits to total assets | 86.6388% | 2,890 |
| Equity capital to assets | 11.4677% | 2,785 |
| Core capital (leverage) ratio | 10.8635% | 2,532 |
| Tier 1 risk-based capital ratio | 14.0712% | 4,477 |
| Total risk-based capital ratio | 15.3341% | 4,427 |
| Memoranda: | ||
| Average total assets | $1,919,266,250 | 369 |
| Average earning assets | $1,739,977,000 | 362 |
| Average equity | $207,404,250 | 361 |
| Average total loans | $1,183,845,250 | 370 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 3,618 |
| Cost of funding earning assets | 0.3512% | 6,506 |
| Net interest margin | 4.1856% | 1,786 |
| Noninterest income to average assets | 0.6998% | 2,672 |
| Noninterest expense to average assets | 2.5013% | 5,131 |
| Loan and lease loss provision to assets | 0.0518% | 5,017 |
| Net operating income to assets | 1.2202% | 1,643 |
| Return on assets (ROA) | 1.2202% | 1,835 |
| Pretax return on assets | 1.9385% | 788 |
| Return on Equity (ROE) | 11.5203% | 1,819 |
| Retained earnings to average equity (ytd only) | 6.2398% | 2,543 |
| Net charge-offs to loans | 0.0715% | 4,431 |
| Credit loss provision to net charge-offs | 119.0476% | 2,310 |
| Earnings coverage of net charge-offs (x) | 45.7548% | 788 |
| Efficiency ratio | 55.6885% | 6,152 |
| Assets per employee ($millions) | 6.3620% | 1,032 |
| Cash dividends to net income (ytd only)* | 45.8365% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7490% | 990 |
| Loan loss allowance to noncurrent loans | 1,097.7778% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 6,046 |
| Noncurrent loans to loans | 0.2504% | 6,076 |
| Net loans and leases to total assets | 60.7406% | 3,674 |
| Net loans and leases to deposits | 71.6634% | 3,661 |
| Net loans and leases to core deposits | 83.0123% | 2,824 |
| Total domestic deposits to total assets | 84.7582% | 3,968 |
| Equity capital to assets | 10.8113% | 3,326 |
| Core capital (leverage) ratio | 10.4647% | 2,840 |
| Tier 1 risk-based capital ratio | 13.6407% | 4,711 |
| Total risk-based capital ratio | 14.9031% | 4,671 |
| Memoranda: | ||
| Average total assets | $1,931,056,000 | 368 |
| Average earning assets | $1,749,385,670 | 361 |
| Average equity | $204,525,670 | 364 |
| Average total loans | $1,175,117,670 | 373 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 3,726 |
| Cost of funding earning assets | 0.3659% | 6,571 |
| Net interest margin | 4.1830% | 1,806 |
| Noninterest income to average assets | 0.8210% | 2,061 |
| Noninterest expense to average assets | 2.4475% | 5,320 |
| Loan and lease loss provision to assets | 0.0455% | 4,833 |
| Net operating income to assets | 1.3274% | 1,380 |
| Return on assets (ROA) | 1.3274% | 1,543 |
| Pretax return on assets | 2.1203% | 614 |
| Return on Equity (ROE) | 12.6644% | 1,495 |
| Retained earnings to average equity (ytd only) | 11.8746% | 835 |
| Net charge-offs to loans | 0.1017% | 3,524 |
| Credit loss provision to net charge-offs | 74.5763% | 2,839 |
| Earnings coverage of net charge-offs (x) | 35.4746% | 825 |
| Efficiency ratio | 53.0528% | 6,430 |
| Assets per employee ($millions) | 6.3781% | 1,045 |
| Cash dividends to net income (ytd only)* | 6.2364% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8440% | 966 |
| Loan loss allowance to noncurrent loans | 876.1170% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 6,024 |
| Noncurrent loans to loans | 0.3246% | 6,024 |
| Net loans and leases to total assets | 57.8484% | 4,059 |
| Net loans and leases to deposits | 68.4188% | 3,992 |
| Net loans and leases to core deposits | 79.2810% | 3,140 |
| Total domestic deposits to total assets | 84.5506% | 4,249 |
| Equity capital to assets | 10.5891% | 3,385 |
| Core capital (leverage) ratio | 10.4344% | 2,830 |
| Tier 1 risk-based capital ratio | 13.9636% | 4,495 |
| Total risk-based capital ratio | 15.2266% | 4,450 |
| Memoranda: | ||
| Average total assets | $1,932,735,000 | 366 |
| Average earning assets | $1,752,244,000 | 358 |
| Average equity | $202,584,000 | 361 |
| Average total loans | $1,160,679,500 | 372 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 3,508 |
| Cost of funding earning assets | 0.4531% | 6,720 |
| Net interest margin | 4.4149% | 1,362 |
| Noninterest income to average assets | 0.5753% | 3,331 |
| Noninterest expense to average assets | 2.2659% | 6,132 |
| Loan and lease loss provision to assets | 0.3623% | 2,833 |
| Net operating income to assets | 1.2287% | 1,434 |
| Return on assets (ROA) | 1.2320% | 1,527 |
| Pretax return on assets | 1.9401% | 611 |
| Return on Equity (ROE) | 11.9835% | 1,408 |
| Retained earnings to average equity (ytd only) | 6.6128% | 1,688 |
| Net charge-offs to loans | 0.5122% | 2,941 |
| Credit loss provision to net charge-offs | 112.5602% | 2,934 |
| Earnings coverage of net charge-offs (x) | 7.1381% | 2,389 |
| Efficiency ratio | 49.6561% | 6,855 |
| Assets per employee ($millions) | 6.1543% | 1,127 |
| Cash dividends to net income (ytd only)* | 44.8177% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8388% | 940 |
| Loan loss allowance to noncurrent loans | 780.7283% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 6,047 |
| Noncurrent loans to loans | 0.3636% | 5,994 |
| Net loans and leases to total assets | 58.8528% | 4,218 |
| Net loans and leases to deposits | 69.4218% | 4,210 |
| Net loans and leases to core deposits | 80.4629% | 3,393 |
| Total domestic deposits to total assets | 84.7758% | 3,973 |
| Equity capital to assets | 10.3730% | 3,686 |
| Core capital (leverage) ratio | 10.2177% | 3,069 |
| Tier 1 risk-based capital ratio | 13.5892% | 4,627 |
| Total risk-based capital ratio | 14.8523% | 4,591 |
| Memoranda: | ||
| Average total assets | $1,870,205,000 | 365 |
| Average earning assets | $1,689,307,200 | 356 |
| Average equity | $192,264,200 | 369 |
| Average total loans | $1,175,199,400 | 365 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9091% | 3,512 |
| Cost of funding earning assets | 0.4700% | 6,814 |
| Net interest margin | 4.4390% | 1,296 |
| Noninterest income to average assets | 0.5157% | 3,753 |
| Noninterest expense to average assets | 2.1988% | 6,285 |
| Loan and lease loss provision to assets | 0.3840% | 2,554 |
| Net operating income to assets | 1.2327% | 1,566 |
| Return on assets (ROA) | 1.2327% | 1,670 |
| Pretax return on assets | 1.9458% | 700 |
| Return on Equity (ROE) | 12.0184% | 1,547 |
| Retained earnings to average equity (ytd only) | 8.2572% | 1,407 |
| Net charge-offs to loans | 0.5261% | 2,654 |
| Credit loss provision to net charge-offs | 115.0785% | 2,839 |
| Earnings coverage of net charge-offs (x) | 6.9826% | 2,442 |
| Efficiency ratio | 48.5530% | 6,919 |
| Assets per employee ($millions) | 6.1268% | 1,136 |
| Cash dividends to net income (ytd only)* | 31.2955% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7994% | 1,030 |
| Loan loss allowance to noncurrent loans | 706.7539% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 5,999 |
| Noncurrent loans to loans | 0.3961% | 6,062 |
| Net loans and leases to total assets | 60.8499% | 3,974 |
| Net loans and leases to deposits | 71.9361% | 3,999 |
| Net loans and leases to core deposits | 83.4691% | 3,131 |
| Total domestic deposits to total assets | 84.5889% | 3,971 |
| Equity capital to assets | 10.5822% | 3,597 |
| Core capital (leverage) ratio | 10.4485% | 2,931 |
| Tier 1 risk-based capital ratio | 13.6006% | 4,650 |
| Total risk-based capital ratio | 14.8639% | 4,608 |
| Memoranda: | ||
| Average total assets | $1,857,720,000 | 369 |
| Average earning assets | $1,679,356,750 | 359 |
| Average equity | $190,536,250 | 377 |
| Average total loans | $1,178,230,000 | 365 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 3,587 |
| Cost of funding earning assets | 0.4825% | 6,900 |
| Net interest margin | 4.4253% | 1,303 |
| Noninterest income to average assets | 0.6061% | 3,091 |
| Noninterest expense to average assets | 2.3013% | 6,125 |
| Loan and lease loss provision to assets | 0.4811% | 2,053 |
| Net operating income to assets | 1.1591% | 1,692 |
| Return on assets (ROA) | 1.1591% | 1,769 |
| Pretax return on assets | 1.8215% | 839 |
| Return on Equity (ROE) | 11.4246% | 1,664 |
| Retained earnings to average equity (ytd only) | 5.9105% | 2,483 |
| Net charge-offs to loans | 0.6396% | 2,238 |
| Credit loss provision to net charge-offs | 118.0685% | 2,602 |
| Earnings coverage of net charge-offs (x) | 5.6511% | 2,566 |
| Efficiency ratio | 49.9859% | 6,940 |
| Assets per employee ($millions) | 6.0764% | 1,147 |
| Cash dividends to net income (ytd only)* | 48.2652% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7641% | 1,112 |
| Loan loss allowance to noncurrent loans | 413.1176% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 5,612 |
| Noncurrent loans to loans | 0.6691% | 5,569 |
| Net loans and leases to total assets | 62.7347% | 3,729 |
| Net loans and leases to deposits | 74.0137% | 3,806 |
| Net loans and leases to core deposits | 86.7855% | 2,786 |
| Total domestic deposits to total assets | 84.7610% | 3,988 |
| Equity capital to assets | 10.3366% | 3,700 |
| Core capital (leverage) ratio | 10.1910% | 3,043 |
| Tier 1 risk-based capital ratio | 12.9613% | 4,944 |
| Total risk-based capital ratio | 14.2242% | 4,918 |
| Memoranda: | ||
| Average total assets | $1,849,985,330 | 373 |
| Average earning assets | $1,671,284,000 | 369 |
| Average equity | $187,700,670 | 383 |
| Average total loans | $1,178,472,000 | 370 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 3,684 |
| Cost of funding earning assets | 0.4972% | 6,979 |
| Net interest margin | 4.3840% | 1,328 |
| Noninterest income to average assets | 0.6279% | 2,981 |
| Noninterest expense to average assets | 2.3004% | 6,186 |
| Loan and lease loss provision to assets | 0.1134% | 4,601 |
| Net operating income to assets | 1.3743% | 1,106 |
| Return on assets (ROA) | 1.3743% | 1,156 |
| Pretax return on assets | 2.1919% | 406 |
| Return on Equity (ROE) | 13.6737% | 1,046 |
| Retained earnings to average equity (ytd only) | 13.0288% | 584 |
| Net charge-offs to loans | 0.1553% | 3,553 |
| Credit loss provision to net charge-offs | 115.3846% | 2,334 |
| Earnings coverage of net charge-offs (x) | 23.4505% | 1,015 |
| Efficiency ratio | 49.9461% | 6,989 |
| Assets per employee ($millions) | 6.0621% | 1,159 |
| Cash dividends to net income (ytd only)* | 4.7162% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7690% | 1,143 |
| Loan loss allowance to noncurrent loans | 894.6043% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 5,680 |
| Noncurrent loans to loans | 0.3095% | 6,369 |
| Net loans and leases to total assets | 61.0024% | 4,079 |
| Net loans and leases to deposits | 71.9000% | 4,089 |
| Net loans and leases to core deposits | 84.1860% | 3,140 |
| Total domestic deposits to total assets | 84.8433% | 4,112 |
| Equity capital to assets | 10.1423% | 3,603 |
| Core capital (leverage) ratio | 10.1465% | 2,983 |
| Tier 1 risk-based capital ratio | 13.0010% | 4,822 |
| Total risk-based capital ratio | 14.2633% | 4,802 |
| Memoranda: | ||
| Average total assets | $1,851,360,500 | 374 |
| Average earning assets | $1,679,852,500 | 367 |
| Average equity | $186,080,500 | 383 |
| Average total loans | $1,171,808,000 | 379 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 3,325 |
| Cost of funding earning assets | 0.5838% | 7,156 |
| Net interest margin | 4.6737% | 865 |
| Noninterest income to average assets | 0.7573% | 2,499 |
| Noninterest expense to average assets | 2.3581% | 6,199 |
| Loan and lease loss provision to assets | 0.8301% | 1,983 |
| Net operating income to assets | 1.1316% | 1,606 |
| Return on assets (ROA) | 1.2359% | 1,402 |
| Pretax return on assets | 1.9550% | 535 |
| Return on Equity (ROE) | 12.1318% | 1,290 |
| Retained earnings to average equity (ytd only) | 6.6020% | 1,506 |
| Net charge-offs to loans | 1.0352% | 2,130 |
| Credit loss provision to net charge-offs | 119.9235% | 3,524 |
| Earnings coverage of net charge-offs (x) | 3.7880% | 3,187 |
| Efficiency ratio | 47.3507% | 7,292 |
| Assets per employee ($millions) | 6.0185% | 1,201 |
| Cash dividends to net income (ytd only)* | 45.5809% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7433% | 1,121 |
| Loan loss allowance to noncurrent loans | 607.7807% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 5,556 |
| Noncurrent loans to loans | 0.4514% | 6,140 |
| Net loans and leases to total assets | 62.1034% | 4,264 |
| Net loans and leases to deposits | 72.9682% | 4,356 |
| Net loans and leases to core deposits | 85.6345% | 3,376 |
| Total domestic deposits to total assets | 85.1102% | 3,791 |
| Equity capital to assets | 9.9588% | 3,799 |
| Core capital (leverage) ratio | 9.9987% | 3,095 |
| Tier 1 risk-based capital ratio | 12.5730% | 4,956 |
| Total risk-based capital ratio | 13.8353% | 4,938 |
| Memoranda: | ||
| Average total assets | $1,775,081,600 | 387 |
| Average earning assets | $1,603,837,400 | 379 |
| Average equity | $180,839,000 | 388 |
| Average total loans | $1,186,884,400 | 381 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3137% | 3,282 |
| Cost of funding earning assets | 0.5976% | 7,299 |
| Net interest margin | 4.7161% | 807 |
| Noninterest income to average assets | 0.7428% | 2,566 |
| Noninterest expense to average assets | 2.3830% | 6,085 |
| Loan and lease loss provision to assets | 0.7999% | 1,898 |
| Net operating income to assets | 1.1435% | 1,748 |
| Return on assets (ROA) | 1.2821% | 1,455 |
| Pretax return on assets | 2.0342% | 579 |
| Return on Equity (ROE) | 12.5112% | 1,383 |
| Retained earnings to average equity (ytd only) | 9.1076% | 1,020 |
| Net charge-offs to loans | 0.9366% | 2,117 |
| Credit loss provision to net charge-offs | 126.2415% | 3,235 |
| Earnings coverage of net charge-offs (x) | 4.1308% | 3,180 |
| Efficiency ratio | 47.6550% | 7,287 |
| Assets per employee ($millions) | 5.6936% | 1,472 |
| Cash dividends to net income (ytd only)* | 27.2044% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6876% | 1,096 |
| Loan loss allowance to noncurrent loans | 428.5179% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 5,178 |
| Noncurrent loans to loans | 0.6272% | 5,952 |
| Net loans and leases to total assets | 65.2365% | 3,856 |
| Net loans and leases to deposits | 77.2212% | 3,971 |
| Net loans and leases to core deposits | 91.7727% | 2,841 |
| Total domestic deposits to total assets | 84.4801% | 3,878 |
| Equity capital to assets | 10.4943% | 3,526 |
| Core capital (leverage) ratio | 10.2644% | 2,964 |
| Tier 1 risk-based capital ratio | 12.4082% | 5,073 |
| Total risk-based capital ratio | 13.6699% | 5,028 |
| Memoranda: | ||
| Average total assets | $1,758,434,500 | 387 |
| Average earning assets | $1,587,500,500 | 383 |
| Average equity | $180,196,750 | 383 |
| Average total loans | $1,189,605,500 | 380 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3490% | 3,222 |
| Cost of funding earning assets | 0.6072% | 7,392 |
| Net interest margin | 4.7419% | 742 |
| Noninterest income to average assets | 0.6450% | 3,034 |
| Noninterest expense to average assets | 2.3111% | 6,323 |
| Loan and lease loss provision to assets | 1.0540% | 1,371 |
| Net operating income to assets | 0.9899% | 2,238 |
| Return on assets (ROA) | 1.1983% | 1,638 |
| Pretax return on assets | 1.8884% | 753 |
| Return on Equity (ROE) | 11.7897% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.6247% | 2,004 |
| Net charge-offs to loans | 1.2858% | 1,482 |
| Credit loss provision to net charge-offs | 120.7979% | 3,354 |
| Earnings coverage of net charge-offs (x) | 2.9992% | 3,502 |
| Efficiency ratio | 46.8978% | 7,398 |
| Assets per employee ($millions) | 5.6125% | 1,523 |
| Cash dividends to net income (ytd only)* | 43.8095% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6415% | 1,143 |
| Loan loss allowance to noncurrent loans | 808.9387% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.7869% | 5,539 |
| Noncurrent loans to loans | 0.3265% | 6,575 |
| Net loans and leases to total assets | 67.1738% | 3,579 |
| Net loans and leases to deposits | 79.7338% | 3,645 |
| Net loans and leases to core deposits | 94.9519% | 2,595 |
| Total domestic deposits to total assets | 84.2476% | 3,989 |
| Equity capital to assets | 10.4845% | 3,430 |
| Core capital (leverage) ratio | 10.1616% | 2,986 |
| Tier 1 risk-based capital ratio | 11.9344% | 5,367 |
| Total risk-based capital ratio | 13.1954% | 5,325 |
| Memoranda: | ||
| Average total assets | $1,752,444,330 | 391 |
| Average earning assets | $1,582,789,000 | 390 |
| Average equity | $178,121,670 | 389 |
| Average total loans | $1,189,184,000 | 381 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 3,256 |
| Cost of funding earning assets | 0.6293% | 7,497 |
| Net interest margin | 4.7283% | 737 |
| Noninterest income to average assets | 0.7015% | 2,597 |
| Noninterest expense to average assets | 2.4233% | 6,002 |
| Loan and lease loss provision to assets | 0.9314% | 1,356 |
| Net operating income to assets | 1.0094% | 2,143 |
| Return on assets (ROA) | 1.4217% | 1,103 |
| Pretax return on assets | 2.2753% | 366 |
| Return on Equity (ROE) | 14.2059% | 1,017 |
| Retained earnings to average equity (ytd only) | 13.0750% | 609 |
| Net charge-offs to loans | 0.2475% | 3,459 |
| Credit loss provision to net charge-offs | 559.1033% | 772 |
| Earnings coverage of net charge-offs (x) | 15.3818% | 1,386 |
| Efficiency ratio | 48.6040% | 7,401 |
| Assets per employee ($millions) | 5.7048% | 1,492 |
| Cash dividends to net income (ytd only)* | 7.9605% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8467% | 938 |
| Loan loss allowance to noncurrent loans | 474.2392% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.9126% | 5,329 |
| Noncurrent loans to loans | 0.6003% | 6,104 |
| Net loans and leases to total assets | 64.6809% | 4,173 |
| Net loans and leases to deposits | 76.1894% | 4,374 |
| Net loans and leases to core deposits | 91.1436% | 3,216 |
| Total domestic deposits to total assets | 84.8948% | 3,723 |
| Equity capital to assets | 10.2263% | 3,569 |
| Core capital (leverage) ratio | 9.9716% | 3,199 |
| Tier 1 risk-based capital ratio | 12.0674% | 5,128 |
| Total risk-based capital ratio | 13.3302% | 5,081 |
| Memoranda: | ||
| Average total assets | $1,767,144,000 | 404 |
| Average earning assets | $1,601,239,500 | 399 |
| Average equity | $176,856,000 | 395 |
| Average total loans | $1,189,357,000 | 400 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7297% | 2,960 |
| Cost of funding earning assets | 1.0022% | 7,201 |
| Net interest margin | 4.7275% | 803 |
| Noninterest income to average assets | 0.7895% | 2,459 |
| Noninterest expense to average assets | 2.5398% | 5,985 |
| Loan and lease loss provision to assets | 0.8837% | 2,536 |
| Net operating income to assets | 1.0658% | 1,605 |
| Return on assets (ROA) | 1.1951% | 1,307 |
| Pretax return on assets | 1.8784% | 540 |
| Return on Equity (ROE) | 12.1955% | 1,110 |
| Retained earnings to average equity (ytd only) | 5.1486% | 1,742 |
| Net charge-offs to loans | 0.4728% | 3,890 |
| Credit loss provision to net charge-offs | 273.3558% | 1,259 |
| Earnings coverage of net charge-offs (x) | 7.9197% | 2,039 |
| Efficiency ratio | 49.8006% | 7,550 |
| Assets per employee ($millions) | 5.7887% | 1,390 |
| Cash dividends to net income (ytd only)* | 57.7827% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4584% | 1,277 |
| Loan loss allowance to noncurrent loans | 323.7025% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 5,131 |
| Noncurrent loans to loans | 0.7595% | 5,749 |
| Net loans and leases to total assets | 66.3467% | 4,069 |
| Net loans and leases to deposits | 78.8221% | 4,212 |
| Net loans and leases to core deposits | 107.1412% | 3,197 |
| Total domestic deposits to total assets | 84.1727% | 3,956 |
| Equity capital to assets | 9.7936% | 4,013 |
| Core capital (leverage) ratio | 9.6043% | 3,589 |
| Tier 1 risk-based capital ratio | 11.2144% | 5,704 |
| Total risk-based capital ratio | 12.4734% | 5,646 |
| Memoranda: | ||
| Average total assets | $1,745,005,600 | 405 |
| Average earning assets | $1,591,059,600 | 399 |
| Average equity | $170,997,400 | 401 |
| Average total loans | $1,193,025,200 | 410 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7852% | 2,952 |
| Cost of funding earning assets | 1.1003% | 7,174 |
| Net interest margin | 4.6849% | 858 |
| Noninterest income to average assets | 0.7567% | 2,668 |
| Noninterest expense to average assets | 2.5581% | 5,864 |
| Loan and lease loss provision to assets | 0.7947% | 2,377 |
| Net operating income to assets | 1.0703% | 1,828 |
| Return on assets (ROA) | 1.2170% | 1,484 |
| Pretax return on assets | 1.9121% | 645 |
| Return on Equity (ROE) | 12.4171% | 1,261 |
| Retained earnings to average equity (ytd only) | 6.3422% | 1,794 |
| Net charge-offs to loans | 0.5118% | 3,168 |
| Credit loss provision to net charge-offs | 226.8143% | 1,924 |
| Earnings coverage of net charge-offs (x) | 7.0715% | 2,482 |
| Efficiency ratio | 50.7971% | 7,499 |
| Assets per employee ($millions) | 5.7117% | 1,424 |
| Cash dividends to net income (ytd only)* | 48.9237% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1246% | 1,558 |
| Loan loss allowance to noncurrent loans | 204.1917% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 5,209 |
| Noncurrent loans to loans | 1.0405% | 5,234 |
| Net loans and leases to total assets | 67.3886% | 4,094 |
| Net loans and leases to deposits | 79.3757% | 4,494 |
| Net loans and leases to core deposits | 110.0463% | 3,233 |
| Total domestic deposits to total assets | 84.8983% | 3,288 |
| Equity capital to assets | 9.9117% | 4,201 |
| Core capital (leverage) ratio | 9.5221% | 3,882 |
| Tier 1 risk-based capital ratio | 11.2392% | 5,702 |
| Total risk-based capital ratio | 12.4951% | 5,644 |
| Memoranda: | ||
| Average total assets | $1,735,528,750 | 422 |
| Average earning assets | $1,585,236,250 | 415 |
| Average equity | $170,094,000 | 415 |
| Average total loans | $1,188,102,250 | 426 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8096% | 3,002 |
| Cost of funding earning assets | 1.1892% | 7,136 |
| Net interest margin | 4.6203% | 918 |
| Noninterest income to average assets | 0.7328% | 2,802 |
| Noninterest expense to average assets | 2.5923% | 5,772 |
| Loan and lease loss provision to assets | 0.9422% | 1,792 |
| Net operating income to assets | 0.9128% | 2,405 |
| Return on assets (ROA) | 1.0990% | 1,852 |
| Pretax return on assets | 1.7006% | 1,016 |
| Return on Equity (ROE) | 11.2571% | 1,631 |
| Retained earnings to average equity (ytd only) | 3.2443% | 3,512 |
| Net charge-offs to loans | 0.4597% | 2,989 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 7.5026% | 2,434 |
| Efficiency ratio | 52.3841% | 7,480 |
| Assets per employee ($millions) | 5.6434% | 1,457 |
| Cash dividends to net income (ytd only)* | 71.1800% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1369% | 1,336 |
| Loan loss allowance to noncurrent loans | 222.5195% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.8951% | 5,196 |
| Noncurrent loans to loans | 0.9603% | 5,303 |
| Net loans and leases to total assets | 66.2045% | 4,527 |
| Net loans and leases to deposits | 77.3555% | 4,962 |
| Net loans and leases to core deposits | 112.3729% | 3,092 |
| Total domestic deposits to total assets | 85.5847% | 2,969 |
| Equity capital to assets | 9.5354% | 4,563 |
| Core capital (leverage) ratio | 9.4172% | 4,007 |
| Tier 1 risk-based capital ratio | 10.8727% | 6,007 |
| Total risk-based capital ratio | 12.1282% | 5,943 |
| Memoranda: | ||
| Average total assets | $1,725,732,330 | 430 |
| Average earning assets | $1,574,643,670 | 424 |
| Average equity | $168,480,670 | 423 |
| Average total loans | $1,179,079,000 | 442 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8766% | 2,910 |
| Cost of funding earning assets | 1.2247% | 7,238 |
| Net interest margin | 4.6519% | 864 |
| Noninterest income to average assets | 0.6400% | 3,272 |
| Noninterest expense to average assets | 2.6296% | 5,323 |
| Loan and lease loss provision to assets | 0.2037% | 4,409 |
| Net operating income to assets | 1.2952% | 1,394 |
| Return on assets (ROA) | 1.4480% | 1,119 |
| Pretax return on assets | 2.2906% | 370 |
| Return on Equity (ROE) | 14.6562% | 1,044 |
| Retained earnings to average equity (ytd only) | 8.1387% | 1,758 |
| Net charge-offs to loans | 0.1378% | 3,860 |
| Credit loss provision to net charge-offs | 215.3465% | 2,097 |
| Earnings coverage of net charge-offs (x) | 23.8416% | 1,261 |
| Efficiency ratio | 53.8299% | 7,236 |
| Assets per employee ($millions) | 5.5147% | 1,547 |
| Cash dividends to net income (ytd only)* | 44.4696% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 1,971 |
| Loan loss allowance to noncurrent loans | 687.6887% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 6,103 |
| Noncurrent loans to loans | 0.2551% | 6,800 |
| Net loans and leases to total assets | 66.3104% | 4,513 |
| Net loans and leases to deposits | 77.7153% | 4,970 |
| Net loans and leases to core deposits | 113.6541% | 3,040 |
| Total domestic deposits to total assets | 85.3247% | 3,045 |
| Equity capital to assets | 9.8658% | 4,162 |
| Core capital (leverage) ratio | 9.7983% | 3,636 |
| Tier 1 risk-based capital ratio | 11.8268% | 5,095 |
| Total risk-based capital ratio | 13.0797% | 5,005 |
| Memoranda: | ||
| Average total assets | $1,708,233,500 | 429 |
| Average earning assets | $1,558,856,500 | 430 |
| Average equity | $168,774,500 | 421 |
| Average total loans | $1,173,050,000 | 450 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4341% | 3,258 |
| Cost of funding earning assets | 1.6703% | 7,327 |
| Net interest margin | 4.7638% | 842 |
| Noninterest income to average assets | 0.7822% | 2,608 |
| Noninterest expense to average assets | 2.2977% | 6,711 |
| Loan and lease loss provision to assets | 0.4984% | 2,820 |
| Net operating income to assets | 1.4209% | 1,184 |
| Return on assets (ROA) | 1.4894% | 1,004 |
| Pretax return on assets | 2.3869% | 253 |
| Return on Equity (ROE) | 15.3019% | 883 |
| Retained earnings to average equity (ytd only) | 8.3232% | 751 |
| Net charge-offs to loans | 0.5642% | 2,126 |
| Credit loss provision to net charge-offs | 124.0577% | 4,320 |
| Earnings coverage of net charge-offs (x) | 6.9152% | 3,242 |
| Efficiency ratio | 45.2666% | 7,963 |
| Assets per employee ($millions) | 5.5241% | 1,441 |
| Cash dividends to net income (ytd only)* | 45.6067% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 1,904 |
| Loan loss allowance to noncurrent loans | 349.0852% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 5,322 |
| Noncurrent loans to loans | 0.4874% | 5,884 |
| Net loans and leases to total assets | 68.6900% | 4,325 |
| Net loans and leases to deposits | 80.7324% | 4,919 |
| Net loans and leases to core deposits | 111.4496% | 3,620 |
| Total domestic deposits to total assets | 85.0837% | 2,803 |
| Equity capital to assets | 9.8947% | 4,163 |
| Core capital (leverage) ratio | 9.7629% | 3,695 |
| Tier 1 risk-based capital ratio | 11.3532% | 5,383 |
| Total risk-based capital ratio | 12.6053% | 5,285 |
| Memoranda: | ||
| Average total assets | $1,604,688,600 | 437 |
| Average earning assets | $1,446,350,800 | 441 |
| Average equity | $156,190,200 | 454 |
| Average total loans | $1,142,596,800 | 449 |