Home > First American Bank > Performance and Condition Ratios
First American Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1987% | 490 |
| Cost of funding earning assets | 1.9034% | 1,062 |
| Net interest margin | 4.2953% | 820 |
| Noninterest income to average assets | 1.5000% | 386 |
| Noninterest expense to average assets | 2.6375% | 1,900 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 2.7753% | 191 |
| Return on assets (ROA) | 1.3754% | 1,236 |
| Pretax return on assets | 1.3791% | 1,680 |
| Return on Equity (ROE) | 18.8100% | 725 |
| Retained earnings to average equity (ytd only) | 12.9844% | 510 |
| Net charge-offs to loans | 0.0600% | 1,252 |
| Credit loss provision to net charge-offs | 300.3713% | 958 |
| Earnings coverage of net charge-offs (x) | 113.6850% | 843 |
| Efficiency ratio | 46.6111% | 4,172 |
| Assets per employee ($millions) | 7.5357% | 1,702 |
| Cash dividends to net income (ytd only)* | 30.9802% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 1,689 |
| Loan loss allowance to noncurrent loans | 230.7328% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 1,987 |
| Noncurrent loans to loans | 0.5710% | 1,370 |
| Net loans and leases to total assets | 40.8300% | 4,008 |
| Net loans and leases to deposits | 55.9231% | 3,713 |
| Net loans and leases to core deposits | 59.4190% | 3,784 |
| Total domestic deposits to total assets | 73.0100% | 4,166 |
| Equity capital to assets | 8.0995% | 3,351 |
| Core capital (leverage) ratio | 7.2911% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1738% | 1,808 |
| Memoranda: | ||
| Average total assets | $6,383,282,800 | 231 |
| Average earning assets | $5,964,568,000 | 224 |
| Average equity | $466,698,800 | 278 |
| Average total loans | $2,693,476,200 | 322 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1193% | 458 |
| Cost of funding earning assets | 1.7553% | 1,089 |
| Net interest margin | 4.3640% | 738 |
| Noninterest income to average assets | 1.7900% | 326 |
| Noninterest expense to average assets | 2.7266% | 1,591 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 3.0209% | 176 |
| Return on assets (ROA) | 1.3144% | 1,499 |
| Pretax return on assets | 1.3172% | 1,986 |
| Return on Equity (ROE) | 18.5000% | 878 |
| Retained earnings to average equity (ytd only) | 10.4320% | 1,284 |
| Net charge-offs to loans | 0.0586% | 1,084 |
| Credit loss provision to net charge-offs | 316.2850% | 851 |
| Earnings coverage of net charge-offs (x) | 126.1484% | 817 |
| Efficiency ratio | 45.3747% | 4,169 |
| Assets per employee ($millions) | 7.5513% | 1,602 |
| Cash dividends to net income (ytd only)* | 43.6079% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 1,955 |
| Loan loss allowance to noncurrent loans | 403.1261% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 2,679 |
| Noncurrent loans to loans | 0.3179% | 2,091 |
| Net loans and leases to total assets | 40.7700% | 4,023 |
| Net loans and leases to deposits | 56.4554% | 3,689 |
| Net loans and leases to core deposits | 60.1626% | 3,698 |
| Total domestic deposits to total assets | 72.2200% | 4,247 |
| Equity capital to assets | 7.5980% | 3,294 |
| Core capital (leverage) ratio | 7.0981% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9990% | 2,272 |
| Memoranda: | ||
| Average total assets | $6,326,905,000 | 233 |
| Average earning assets | $5,899,737,750 | 225 |
| Average equity | $449,553,500 | 290 |
| Average total loans | $2,683,278,250 | 327 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9412% | 473 |
| Cost of funding earning assets | 1.5683% | 1,128 |
| Net interest margin | 4.3729% | 729 |
| Noninterest income to average assets | 2.2200% | 224 |
| Noninterest expense to average assets | 2.7668% | 1,486 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 3.4037% | 123 |
| Return on assets (ROA) | 0.9711% | 2,510 |
| Pretax return on assets | 0.9733% | 2,984 |
| Return on Equity (ROE) | 14.0100% | 1,681 |
| Retained earnings to average equity (ytd only) | 8.5769% | 1,797 |
| Net charge-offs to loans | 0.0678% | 879 |
| Credit loss provision to net charge-offs | 249.7225% | 958 |
| Earnings coverage of net charge-offs (x) | 121.5538% | 839 |
| Efficiency ratio | 42.8738% | 4,306 |
| Assets per employee ($millions) | 7.1150% | 1,834 |
| Cash dividends to net income (ytd only)* | 38.7995% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,172 |
| Loan loss allowance to noncurrent loans | 407.5582% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 2,615 |
| Noncurrent loans to loans | 0.3066% | 2,045 |
| Net loans and leases to total assets | 42.9800% | 3,921 |
| Net loans and leases to deposits | 56.3523% | 3,623 |
| Net loans and leases to core deposits | 59.1705% | 3,673 |
| Total domestic deposits to total assets | 76.2700% | 4,021 |
| Equity capital to assets | 7.5550% | 3,491 |
| Core capital (leverage) ratio | 7.2133% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1604% | 2,230 |
| Memoranda: | ||
| Average total assets | $6,210,749,333 | 231 |
| Average earning assets | $5,792,784,333 | 228 |
| Average equity | $430,339,667 | 293 |
| Average total loans | $2,658,649,000 | 318 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7274% | 455 |
| Cost of funding earning assets | 1.4844% | 869 |
| Net interest margin | 4.2430% | 882 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.7880% | 1,459 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.6942% | 830 |
| Return on assets (ROA) | 0.8903% | 2,840 |
| Pretax return on assets | 0.8927% | 3,258 |
| Return on Equity (ROE) | 13.4700% | 1,888 |
| Retained earnings to average equity (ytd only) | 11.0181% | 1,465 |
| Net charge-offs to loans | 0.1098% | 562 |
| Credit loss provision to net charge-offs | 100.5556% | 1,108 |
| Earnings coverage of net charge-offs (x) | 39.5222% | 1,194 |
| Efficiency ratio | 58.7248% | 3,104 |
| Assets per employee ($millions) | 7.1858% | 1,832 |
| Cash dividends to net income (ytd only)* | 18.1805% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,355 |
| Loan loss allowance to noncurrent loans | 480.1992% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 2,758 |
| Noncurrent loans to loans | 0.2574% | 2,225 |
| Net loans and leases to total assets | 41.9100% | 3,956 |
| Net loans and leases to deposits | 54.5475% | 3,646 |
| Net loans and leases to core deposits | 58.9934% | 3,584 |
| Total domestic deposits to total assets | 76.8300% | 4,097 |
| Equity capital to assets | 6.9457% | 3,857 |
| Core capital (leverage) ratio | 7.0214% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9167% | 2,420 |
| Memoranda: | ||
| Average total assets | $6,178,428,000 | 239 |
| Average earning assets | $5,750,850,500 | 235 |
| Average equity | $408,457,000 | 309 |
| Average total loans | $2,622,320,500 | 329 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5379% | 2,979 |
| Cost of funding earning assets | 0.5628% | 1,051 |
| Net interest margin | 2.9751% | 3,514 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.6406% | 1,700 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8856% | 3,021 |
| Return on assets (ROA) | 0.5968% | 3,851 |
| Pretax return on assets | 0.5989% | 4,030 |
| Return on Equity (ROE) | 9.2100% | 3,064 |
| Retained earnings to average equity (ytd only) | 4.8455% | 3,118 |
| Net charge-offs to loans | -0.0725% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.1530% | 1,428 |
| Assets per employee ($millions) | 7.0337% | 1,947 |
| Cash dividends to net income (ytd only)* | 47.3921% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,070 |
| Loan loss allowance to noncurrent loans | 343.2880% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 2,434 |
| Noncurrent loans to loans | 0.3685% | 1,822 |
| Net loans and leases to total assets | 41.9100% | 3,986 |
| Net loans and leases to deposits | 56.2679% | 3,560 |
| Net loans and leases to core deposits | 57.8837% | 3,624 |
| Total domestic deposits to total assets | 74.4900% | 4,338 |
| Equity capital to assets | 6.2683% | 3,991 |
| Core capital (leverage) ratio | 6.8766% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8029% | 2,451 |
| Memoranda: | ||
| Average total assets | $6,045,948,800 | 241 |
| Average earning assets | $5,682,964,000 | 229 |
| Average equity | $391,748,400 | 312 |
| Average total loans | $2,343,394,400 | 330 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0534% | 3,784 |
| Cost of funding earning assets | 0.3788% | 1,452 |
| Net interest margin | 2.6746% | 3,981 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.6027% | 1,707 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.5869% | 3,865 |
| Return on assets (ROA) | 0.5303% | 3,953 |
| Pretax return on assets | 0.5324% | 4,098 |
| Return on Equity (ROE) | 8.1200% | 3,292 |
| Retained earnings to average equity (ytd only) | 2.3312% | 3,951 |
| Net charge-offs to loans | -0.1318% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.0347% | 838 |
| Assets per employee ($millions) | 7.0114% | 1,933 |
| Cash dividends to net income (ytd only)* | 71.2827% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 2,138 |
| Loan loss allowance to noncurrent loans | 349.9670% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 2,541 |
| Noncurrent loans to loans | 0.3651% | 1,930 |
| Net loans and leases to total assets | 40.5600% | 4,049 |
| Net loans and leases to deposits | 52.2826% | 3,714 |
| Net loans and leases to core deposits | 53.3032% | 3,790 |
| Total domestic deposits to total assets | 77.5800% | 4,290 |
| Equity capital to assets | 5.9985% | 3,966 |
| Core capital (leverage) ratio | 6.7573% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9027% | 2,513 |
| Memoranda: | ||
| Average total assets | $6,031,123,000 | 242 |
| Average earning assets | $5,689,074,000 | 231 |
| Average equity | $394,011,750 | 312 |
| Average total loans | $2,281,309,000 | 334 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6195% | 4,256 |
| Cost of funding earning assets | 0.2662% | 2,070 |
| Net interest margin | 2.3533% | 4,278 |
| Noninterest income to average assets | 0.7036% | 1,322 |
| Noninterest expense to average assets | 2.5906% | 1,663 |
| Loan and lease loss provision to assets | 0.0100% | 2,411 |
| Net operating income to assets | 0.3322% | 4,230 |
| Return on assets (ROA) | 0.3523% | 4,158 |
| Pretax return on assets | 0.3543% | 4,219 |
| Return on Equity (ROE) | 5.2485% | 3,766 |
| Retained earnings to average equity (ytd only) | 0.0515% | 4,172 |
| Net charge-offs to loans | -0.2344% | 4,612 |
| Credit loss provision to net charge-offs | -11.5785% | 2,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8678% | 582 |
| Assets per employee ($millions) | 6.9777% | 1,954 |
| Cash dividends to net income (ytd only)* | 99.0192% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,872 |
| Loan loss allowance to noncurrent loans | 333.0482% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 2,563 |
| Noncurrent loans to loans | 0.4122% | 1,882 |
| Net loans and leases to total assets | 38.3525% | 4,153 |
| Net loans and leases to deposits | 50.0792% | 3,806 |
| Net loans and leases to core deposits | 50.7251% | 3,896 |
| Total domestic deposits to total assets | 76.5837% | 4,433 |
| Equity capital to assets | 5.7030% | 4,301 |
| Core capital (leverage) ratio | 6.7031% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2697% | 2,386 |
| Memoranda: | ||
| Average total assets | $6,019,872,667 | 241 |
| Average earning assets | $5,707,159,667 | 231 |
| Average equity | $404,081,000 | 303 |
| Average total loans | $2,211,152,667 | 335 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3587% | 4,408 |
| Cost of funding earning assets | 0.2244% | 2,470 |
| Net interest margin | 2.1343% | 4,414 |
| Noninterest income to average assets | 0.7070% | 1,296 |
| Noninterest expense to average assets | 2.5683% | 1,700 |
| Loan and lease loss provision to assets | 0.0099% | 2,144 |
| Net operating income to assets | 0.1630% | 4,388 |
| Return on assets (ROA) | 0.2056% | 4,289 |
| Pretax return on assets | 0.2075% | 4,321 |
| Return on Equity (ROE) | 2.8503% | 4,126 |
| Retained earnings to average equity (ytd only) | -2.2002% | 4,261 |
| Net charge-offs to loans | -0.4421% | 4,702 |
| Credit loss provision to net charge-offs | -6.2999% | 2,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0729% | 503 |
| Assets per employee ($millions) | 6.8678% | 2,088 |
| Cash dividends to net income (ytd only)* | 177.1907% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 1,776 |
| Loan loss allowance to noncurrent loans | 356.5168% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 2,699 |
| Noncurrent loans to loans | 0.4027% | 2,052 |
| Net loans and leases to total assets | 36.3132% | 4,187 |
| Net loans and leases to deposits | 45.8259% | 3,986 |
| Net loans and leases to core deposits | 46.2609% | 4,059 |
| Total domestic deposits to total assets | 79.2416% | 4,335 |
| Equity capital to assets | 6.7938% | 4,300 |
| Core capital (leverage) ratio | 6.7701% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8895% | 2,264 |
| Memoranda: | ||
| Average total assets | $6,039,852,000 | 240 |
| Average earning assets | $5,760,543,000 | 231 |
| Average equity | $435,605,500 | 294 |
| Average total loans | $2,154,043,000 | 344 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4827% | 4,493 |
| Cost of funding earning assets | 0.2748% | 2,653 |
| Net interest margin | 2.2079% | 4,478 |
| Noninterest income to average assets | 0.8026% | 1,436 |
| Noninterest expense to average assets | 2.4723% | 2,265 |
| Loan and lease loss provision to assets | -0.0254% | 4,251 |
| Net operating income to assets | 0.4691% | 4,144 |
| Return on assets (ROA) | 0.9044% | 3,092 |
| Pretax return on assets | 0.9058% | 3,499 |
| Return on Equity (ROE) | 11.2908% | 2,057 |
| Retained earnings to average equity (ytd only) | 6.2994% | 2,231 |
| Net charge-offs to loans | -0.0752% | 4,491 |
| Credit loss provision to net charge-offs | 89.9281% | 1,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3129% | 655 |
| Assets per employee ($millions) | 7.0900% | 1,868 |
| Cash dividends to net income (ytd only)* | 44.2072% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 2,018 |
| Loan loss allowance to noncurrent loans | 218.4397% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 1,906 |
| Noncurrent loans to loans | 0.6302% | 1,575 |
| Net loans and leases to total assets | 34.0381% | 4,373 |
| Net loans and leases to deposits | 44.1990% | 4,168 |
| Net loans and leases to core deposits | 44.9825% | 4,231 |
| Total domestic deposits to total assets | 77.0111% | 4,463 |
| Equity capital to assets | 7.6207% | 4,549 |
| Core capital (leverage) ratio | 6.8530% | 4,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7404% | 1,955 |
| Memoranda: | ||
| Average total assets | $5,902,809,400 | 234 |
| Average earning assets | $5,653,837,000 | 224 |
| Average equity | $472,819,800 | 280 |
| Average total loans | $2,217,548,800 | 337 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5301% | 4,551 |
| Cost of funding earning assets | 0.2901% | 2,687 |
| Net interest margin | 2.2400% | 4,535 |
| Noninterest income to average assets | 0.7503% | 1,672 |
| Noninterest expense to average assets | 2.4639% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4277% | 4,331 |
| Return on assets (ROA) | 1.0131% | 2,922 |
| Pretax return on assets | 1.0164% | 3,405 |
| Return on Equity (ROE) | 12.4888% | 1,868 |
| Retained earnings to average equity (ytd only) | 6.1958% | 2,745 |
| Net charge-offs to loans | -0.0925% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6225% | 601 |
| Assets per employee ($millions) | 7.0932% | 1,803 |
| Cash dividends to net income (ytd only)* | 50.3892% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 1,803 |
| Loan loss allowance to noncurrent loans | 242.0060% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 2,570 |
| Noncurrent loans to loans | 0.6004% | 1,805 |
| Net loans and leases to total assets | 34.1834% | 4,459 |
| Net loans and leases to deposits | 43.3537% | 4,333 |
| Net loans and leases to core deposits | 44.1437% | 4,373 |
| Total domestic deposits to total assets | 78.8477% | 4,346 |
| Equity capital to assets | 7.8439% | 4,588 |
| Core capital (leverage) ratio | 6.9936% | 4,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2212% | 1,888 |
| Memoranda: | ||
| Average total assets | $5,850,612,500 | 237 |
| Average earning assets | $5,601,542,500 | 224 |
| Average equity | $474,587,750 | 280 |
| Average total loans | $2,244,608,750 | 335 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5847% | 4,556 |
| Cost of funding earning assets | 0.3167% | 2,625 |
| Net interest margin | 2.2681% | 4,545 |
| Noninterest income to average assets | 0.7677% | 1,624 |
| Noninterest expense to average assets | 2.4726% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4587% | 4,287 |
| Return on assets (ROA) | 1.3463% | 1,801 |
| Pretax return on assets | 1.3521% | 2,472 |
| Return on Equity (ROE) | 16.4087% | 877 |
| Retained earnings to average equity (ytd only) | 10.0923% | 1,367 |
| Net charge-offs to loans | -0.1170% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7059% | 689 |
| Assets per employee ($millions) | 6.5655% | 2,114 |
| Cash dividends to net income (ytd only)* | 38.4941% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,941 |
| Loan loss allowance to noncurrent loans | 258.4396% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 2,716 |
| Noncurrent loans to loans | 0.5451% | 2,038 |
| Net loans and leases to total assets | 36.8848% | 4,431 |
| Net loans and leases to deposits | 46.3213% | 4,297 |
| Net loans and leases to core deposits | 47.2648% | 4,357 |
| Total domestic deposits to total assets | 79.6282% | 4,278 |
| Equity capital to assets | 8.2333% | 4,410 |
| Core capital (leverage) ratio | 7.1368% | 4,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2672% | 1,537 |
| Memoranda: | ||
| Average total assets | $5,788,711,667 | 239 |
| Average earning assets | $5,536,867,333 | 225 |
| Average equity | $474,955,667 | 278 |
| Average total loans | $2,294,864,000 | 329 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7073% | 4,470 |
| Cost of funding earning assets | 0.3805% | 2,256 |
| Net interest margin | 2.3267% | 4,493 |
| Noninterest income to average assets | 0.6765% | 1,939 |
| Noninterest expense to average assets | 2.4663% | 2,278 |
| Loan and lease loss provision to assets | 0.0069% | 2,677 |
| Net operating income to assets | 0.4152% | 4,333 |
| Return on assets (ROA) | 2.1805% | 469 |
| Pretax return on assets | 2.1914% | 701 |
| Return on Equity (ROE) | 26.6210% | 215 |
| Retained earnings to average equity (ytd only) | 24.3544% | 151 |
| Net charge-offs to loans | -0.1085% | 4,664 |
| Credit loss provision to net charge-offs | -15.5521% | 2,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5685% | 671 |
| Assets per employee ($millions) | 6.7664% | 1,964 |
| Cash dividends to net income (ytd only)* | 8.5144% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,621 |
| Loan loss allowance to noncurrent loans | 238.1757% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 2,573 |
| Noncurrent loans to loans | 0.5289% | 2,265 |
| Net loans and leases to total assets | 40.6894% | 4,303 |
| Net loans and leases to deposits | 50.7244% | 4,125 |
| Net loans and leases to core deposits | 51.7287% | 4,210 |
| Total domestic deposits to total assets | 80.2166% | 4,173 |
| Equity capital to assets | 8.6658% | 3,984 |
| Core capital (leverage) ratio | 7.1987% | 4,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8191% | 1,353 |
| Memoranda: | ||
| Average total assets | $5,817,220,500 | 236 |
| Average earning assets | $5,557,484,500 | 226 |
| Average equity | $476,480,500 | 276 |
| Average total loans | $2,370,130,000 | 320 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1631% | 4,497 |
| Cost of funding earning assets | 0.8012% | 1,203 |
| Net interest margin | 2.3619% | 4,680 |
| Noninterest income to average assets | 0.4535% | 2,854 |
| Noninterest expense to average assets | 2.4083% | 3,113 |
| Loan and lease loss provision to assets | 0.1341% | 2,683 |
| Net operating income to assets | 0.1663% | 4,610 |
| Return on assets (ROA) | 0.5669% | 3,956 |
| Pretax return on assets | 0.5691% | 4,150 |
| Return on Equity (ROE) | 8.1394% | 2,759 |
| Retained earnings to average equity (ytd only) | 4.0753% | 2,778 |
| Net charge-offs to loans | 0.0052% | 3,160 |
| Credit loss provision to net charge-offs | 6,470.5882% | 169 |
| Earnings coverage of net charge-offs (x) | 145.9748% | 594 |
| Efficiency ratio | 86.2255% | 524 |
| Assets per employee ($millions) | 7.0684% | 1,533 |
| Cash dividends to net income (ytd only)* | 49.9309% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,901 |
| Loan loss allowance to noncurrent loans | 190.9951% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 2,571 |
| Noncurrent loans to loans | 0.6325% | 2,111 |
| Net loans and leases to total assets | 39.8092% | 4,450 |
| Net loans and leases to deposits | 51.8058% | 4,223 |
| Net loans and leases to core deposits | 52.5511% | 4,313 |
| Total domestic deposits to total assets | 76.8432% | 4,430 |
| Equity capital to assets | 7.7341% | 4,794 |
| Core capital (leverage) ratio | 6.5328% | 4,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6182% | 2,003 |
| Memoranda: | ||
| Average total assets | $5,740,660,600 | 227 |
| Average earning assets | $5,486,574,000 | 219 |
| Average equity | $399,843,000 | 297 |
| Average total loans | $2,307,308,400 | 309 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2355% | 4,549 |
| Cost of funding earning assets | 0.8475% | 1,270 |
| Net interest margin | 2.3880% | 4,730 |
| Noninterest income to average assets | 0.2534% | 3,958 |
| Noninterest expense to average assets | 2.3468% | 3,293 |
| Loan and lease loss provision to assets | 0.1628% | 2,375 |
| Net operating income to assets | 0.0239% | 4,754 |
| Return on assets (ROA) | 0.5619% | 3,966 |
| Pretax return on assets | 0.5632% | 4,168 |
| Return on Equity (ROE) | 8.3064% | 2,685 |
| Retained earnings to average equity (ytd only) | 2.8713% | 3,568 |
| Net charge-offs to loans | 0.0148% | 2,590 |
| Credit loss provision to net charge-offs | 2,736.2205% | 371 |
| Earnings coverage of net charge-offs (x) | 31.5906% | 1,538 |
| Efficiency ratio | 89.8015% | 368 |
| Assets per employee ($millions) | 7.0406% | 1,471 |
| Cash dividends to net income (ytd only)* | 65.4330% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,871 |
| Loan loss allowance to noncurrent loans | 173.3490% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 2,648 |
| Noncurrent loans to loans | 0.6712% | 2,106 |
| Net loans and leases to total assets | 40.4349% | 4,553 |
| Net loans and leases to deposits | 54.4902% | 4,318 |
| Net loans and leases to core deposits | 55.3824% | 4,402 |
| Total domestic deposits to total assets | 74.2059% | 4,555 |
| Equity capital to assets | 7.2053% | 4,919 |
| Core capital (leverage) ratio | 6.6489% | 4,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6666% | 1,946 |
| Memoranda: | ||
| Average total assets | $5,693,237,250 | 226 |
| Average earning assets | $5,438,763,250 | 218 |
| Average equity | $385,139,250 | 301 |
| Average total loans | $2,286,712,000 | 308 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3335% | 4,614 |
| Cost of funding earning assets | 0.9209% | 1,274 |
| Net interest margin | 2.4126% | 4,787 |
| Noninterest income to average assets | 0.0013% | 5,008 |
| Noninterest expense to average assets | 2.3098% | 3,486 |
| Loan and lease loss provision to assets | 0.2024% | 2,028 |
| Net operating income to assets | -0.2057% | 4,862 |
| Return on assets (ROA) | 0.5201% | 4,044 |
| Pretax return on assets | 0.5188% | 4,220 |
| Return on Equity (ROE) | 7.8669% | 2,802 |
| Retained earnings to average equity (ytd only) | 2.4414% | 3,600 |
| Net charge-offs to loans | 0.0615% | 1,634 |
| Credit loss provision to net charge-offs | 824.8915% | 907 |
| Earnings coverage of net charge-offs (x) | -0.1896% | 2,942 |
| Efficiency ratio | 97.1605% | 221 |
| Assets per employee ($millions) | 7.4735% | 1,196 |
| Cash dividends to net income (ytd only)* | 68.9655% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,226 |
| Loan loss allowance to noncurrent loans | 144.4383% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 2,758 |
| Noncurrent loans to loans | 0.7417% | 2,024 |
| Net loans and leases to total assets | 40.5127% | 4,588 |
| Net loans and leases to deposits | 55.7166% | 4,300 |
| Net loans and leases to core deposits | 56.7562% | 4,408 |
| Total domestic deposits to total assets | 72.7120% | 4,670 |
| Equity capital to assets | 6.2687% | 5,027 |
| Core capital (leverage) ratio | 6.4967% | 5,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9426% | 2,204 |
| Memoranda: | ||
| Average total assets | $5,631,357,333 | 226 |
| Average earning assets | $5,377,422,333 | 217 |
| Average equity | $372,321,333 | 305 |
| Average total loans | $2,247,249,333 | 310 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5501% | 4,583 |
| Cost of funding earning assets | 1.0516% | 1,211 |
| Net interest margin | 2.4985% | 4,830 |
| Noninterest income to average assets | -0.6836% | 5,097 |
| Noninterest expense to average assets | 2.5094% | 3,245 |
| Loan and lease loss provision to assets | 0.1248% | 2,142 |
| Net operating income to assets | -0.9338% | 4,980 |
| Return on assets (ROA) | 0.5191% | 3,903 |
| Pretax return on assets | 0.5200% | 4,086 |
| Return on Equity (ROE) | 7.6337% | 2,663 |
| Retained earnings to average equity (ytd only) | 3.9642% | 2,694 |
| Net charge-offs to loans | -0.0718% | 4,740 |
| Credit loss provision to net charge-offs | -441.5584% | 3,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.3909% | 66 |
| Assets per employee ($millions) | 6.9652% | 1,108 |
| Cash dividends to net income (ytd only)* | 48.0701% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,258 |
| Loan loss allowance to noncurrent loans | 94.8691% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 2,617 |
| Noncurrent loans to loans | 1.1500% | 1,444 |
| Net loans and leases to total assets | 37.8355% | 4,731 |
| Net loans and leases to deposits | 56.9062% | 4,329 |
| Net loans and leases to core deposits | 58.8478% | 4,404 |
| Total domestic deposits to total assets | 66.4875% | 4,950 |
| Equity capital to assets | 5.8724% | 5,104 |
| Core capital (leverage) ratio | 6.7792% | 5,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4559% | 2,501 |
| Memoranda: | ||
| Average total assets | $5,450,173,000 | 224 |
| Average earning assets | $5,202,234,000 | 217 |
| Average equity | $370,618,500 | 305 |
| Average total loans | $2,143,617,500 | 313 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 4,491 |
| Cost of funding earning assets | 1.2834% | 803 |
| Net interest margin | 2.5790% | 4,926 |
| Noninterest income to average assets | -0.2195% | 5,166 |
| Noninterest expense to average assets | 2.4724% | 3,522 |
| Loan and lease loss provision to assets | 0.1071% | 1,943 |
| Net operating income to assets | -0.3303% | 5,035 |
| Return on assets (ROA) | 0.7094% | 3,904 |
| Pretax return on assets | 0.7134% | 4,178 |
| Return on Equity (ROE) | 8.7957% | 2,846 |
| Retained earnings to average equity (ytd only) | -10.3198% | 5,065 |
| Net charge-offs to loans | 0.3582% | 557 |
| Credit loss provision to net charge-offs | 79.7793% | 2,798 |
| Earnings coverage of net charge-offs (x) | -1.7122% | 3,662 |
| Efficiency ratio | 107.6739% | 113 |
| Assets per employee ($millions) | 7.2907% | 938 |
| Cash dividends to net income (ytd only)* | 217.3273% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,563 |
| Loan loss allowance to noncurrent loans | 106.2335% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 2,757 |
| Noncurrent loans to loans | 0.9341% | 1,639 |
| Net loans and leases to total assets | 40.0689% | 4,728 |
| Net loans and leases to deposits | 55.5024% | 4,475 |
| Net loans and leases to core deposits | 57.1796% | 4,548 |
| Total domestic deposits to total assets | 72.1930% | 4,863 |
| Equity capital to assets | 7.7802% | 5,085 |
| Core capital (leverage) ratio | 6.9598% | 5,144 |
| Tier 1 risk-based capital ratio | 13.0667% | 3,762 |
| Total risk-based capital ratio | 13.8595% | 3,890 |
| Memoranda: | ||
| Average total assets | $4,996,661,800 | 225 |
| Average earning assets | $4,770,156,600 | 214 |
| Average equity | $403,003,600 | 292 |
| Average total loans | $1,872,122,000 | 343 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 4,543 |
| Cost of funding earning assets | 1.3338% | 712 |
| Net interest margin | 2.5647% | 5,025 |
| Noninterest income to average assets | -0.5307% | 5,243 |
| Noninterest expense to average assets | 2.4298% | 3,612 |
| Loan and lease loss provision to assets | 0.1450% | 1,320 |
| Net operating income to assets | -0.6473% | 5,148 |
| Return on assets (ROA) | 0.7575% | 3,892 |
| Pretax return on assets | 0.7620% | 4,208 |
| Return on Equity (ROE) | 9.3031% | 2,756 |
| Retained earnings to average equity (ytd only) | 5.6758% | 2,520 |
| Net charge-offs to loans | 0.5069% | 336 |
| Credit loss provision to net charge-offs | 78.0111% | 2,528 |
| Earnings coverage of net charge-offs (x) | -2.7552% | 3,407 |
| Efficiency ratio | 123.9139% | 72 |
| Assets per employee ($millions) | 6.1169% | 1,521 |
| Cash dividends to net income (ytd only)* | 38.9898% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 2,761 |
| Loan loss allowance to noncurrent loans | 79.2686% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 2,120 |
| Noncurrent loans to loans | 1.4540% | 1,049 |
| Net loans and leases to total assets | 40.3121% | 4,804 |
| Net loans and leases to deposits | 52.9764% | 4,670 |
| Net loans and leases to core deposits | 55.6835% | 4,694 |
| Total domestic deposits to total assets | 76.0943% | 4,643 |
| Equity capital to assets | 9.2258% | 4,649 |
| Core capital (leverage) ratio | 8.5669% | 4,910 |
| Tier 1 risk-based capital ratio | 16.1055% | 2,389 |
| Total risk-based capital ratio | 17.0365% | 2,460 |
| Memoranda: | ||
| Average total assets | $4,920,744,500 | 229 |
| Average earning assets | $4,697,751,000 | 220 |
| Average equity | $400,659,750 | 292 |
| Average total loans | $1,803,885,000 | 354 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 4,492 |
| Cost of funding earning assets | 1.4525% | 444 |
| Net interest margin | 2.4899% | 5,130 |
| Noninterest income to average assets | -1.0806% | 5,295 |
| Noninterest expense to average assets | 2.3318% | 3,924 |
| Loan and lease loss provision to assets | 0.1877% | 946 |
| Net operating income to assets | -1.2241% | 5,234 |
| Return on assets (ROA) | 0.7955% | 3,733 |
| Pretax return on assets | 0.7994% | 4,097 |
| Return on Equity (ROE) | 10.1710% | 2,306 |
| Retained earnings to average equity (ytd only) | 6.8625% | 1,870 |
| Net charge-offs to loans | 0.7378% | 195 |
| Credit loss provision to net charge-offs | 71.7739% | 2,309 |
| Earnings coverage of net charge-offs (x) | -3.9492% | 3,138 |
| Efficiency ratio | 175.5192% | 31 |
| Assets per employee ($millions) | 6.0134% | 1,537 |
| Cash dividends to net income (ytd only)* | 32.5288% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 2,937 |
| Loan loss allowance to noncurrent loans | 74.4659% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 2,041 |
| Noncurrent loans to loans | 1.5100% | 1,023 |
| Net loans and leases to total assets | 42.5429% | 4,765 |
| Net loans and leases to deposits | 50.8432% | 4,775 |
| Net loans and leases to core deposits | 55.0470% | 4,748 |
| Total domestic deposits to total assets | 83.6748% | 2,986 |
| Equity capital to assets | 9.6568% | 4,268 |
| Core capital (leverage) ratio | 7.5704% | 5,226 |
| Tier 1 risk-based capital ratio | 16.0977% | 2,367 |
| Total risk-based capital ratio | 17.0230% | 2,444 |
| Memoranda: | ||
| Average total assets | $5,062,354,000 | 226 |
| Average earning assets | $4,838,643,330 | 216 |
| Average equity | $395,951,000 | 294 |
| Average total loans | $1,794,003,330 | 358 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 4,681 |
| Cost of funding earning assets | 1.4653% | 368 |
| Net interest margin | 2.3546% | 5,239 |
| Noninterest income to average assets | 0.5109% | 2,488 |
| Noninterest expense to average assets | 2.1737% | 4,327 |
| Loan and lease loss provision to assets | 0.0110% | 3,289 |
| Net operating income to assets | 0.5745% | 4,319 |
| Return on assets (ROA) | 0.8694% | 3,405 |
| Pretax return on assets | 0.8744% | 3,844 |
| Return on Equity (ROE) | 12.2478% | 1,450 |
| Retained earnings to average equity (ytd only) | 10.2820% | 971 |
| Net charge-offs to loans | -0.0760% | 4,956 |
| Credit loss provision to net charge-offs | -44.6429% | 3,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0180% | 1,375 |
| Assets per employee ($millions) | 7.9786% | 678 |
| Cash dividends to net income (ytd only)* | 16.0500% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,034 |
| Loan loss allowance to noncurrent loans | 85.6846% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 2,616 |
| Noncurrent loans to loans | 1.5318% | 1,049 |
| Net loans and leases to total assets | 31.2261% | 5,131 |
| Net loans and leases to deposits | 46.9491% | 4,902 |
| Net loans and leases to core deposits | 53.2514% | 4,810 |
| Total domestic deposits to total assets | 66.5106% | 5,206 |
| Equity capital to assets | 7.2864% | 5,285 |
| Core capital (leverage) ratio | 6.7294% | 5,328 |
| Tier 1 risk-based capital ratio | 14.7974% | 2,967 |
| Total risk-based capital ratio | 15.7547% | 3,025 |
| Memoranda: | ||
| Average total assets | $5,446,751,000 | 216 |
| Average earning assets | $5,205,400,500 | 206 |
| Average equity | $386,616,000 | 301 |
| Average total loans | $1,767,316,000 | 364 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,595 |
| Cost of funding earning assets | 1.0501% | 612 |
| Net interest margin | 2.6967% | 5,101 |
| Noninterest income to average assets | 0.6750% | 1,945 |
| Noninterest expense to average assets | 2.3707% | 3,958 |
| Loan and lease loss provision to assets | 0.0131% | 3,881 |
| Net operating income to assets | 0.8509% | 3,604 |
| Return on assets (ROA) | 0.8148% | 3,751 |
| Pretax return on assets | 0.8187% | 4,118 |
| Return on Equity (ROE) | 10.0266% | 2,508 |
| Retained earnings to average equity (ytd only) | -5.3276% | 5,251 |
| Net charge-offs to loans | -0.0869% | 5,115 |
| Credit loss provision to net charge-offs | -40.0534% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5572% | 1,962 |
| Assets per employee ($millions) | 7.7390% | 727 |
| Cash dividends to net income (ytd only)* | 153.1345% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,157 |
| Loan loss allowance to noncurrent loans | 85.5604% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 2,537 |
| Noncurrent loans to loans | 1.4929% | 1,021 |
| Net loans and leases to total assets | 32.8647% | 5,150 |
| Net loans and leases to deposits | 45.5469% | 4,993 |
| Net loans and leases to core deposits | 53.6674% | 4,859 |
| Total domestic deposits to total assets | 72.1558% | 5,061 |
| Equity capital to assets | 6.9012% | 5,341 |
| Core capital (leverage) ratio | 6.7079% | 5,367 |
| Tier 1 risk-based capital ratio | 14.4588% | 3,080 |
| Total risk-based capital ratio | 15.4030% | 3,151 |
| Memoranda: | ||
| Average total assets | $4,580,875,400 | 240 |
| Average earning assets | $4,354,836,200 | 233 |
| Average equity | $372,268,800 | 302 |
| Average total loans | $1,724,798,800 | 365 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 4,642 |
| Cost of funding earning assets | 0.9082% | 889 |
| Net interest margin | 2.7962% | 5,093 |
| Noninterest income to average assets | 0.6800% | 1,940 |
| Noninterest expense to average assets | 2.4130% | 3,825 |
| Loan and lease loss provision to assets | 0.0182% | 3,649 |
| Net operating income to assets | 0.8978% | 3,539 |
| Return on assets (ROA) | 0.8976% | 3,545 |
| Pretax return on assets | 0.9027% | 4,012 |
| Return on Equity (ROE) | 10.5629% | 2,368 |
| Retained earnings to average equity (ytd only) | -9.4323% | 5,385 |
| Net charge-offs to loans | -0.0809% | 5,099 |
| Credit loss provision to net charge-offs | -57.7478% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7291% | 2,084 |
| Assets per employee ($millions) | 7.2365% | 860 |
| Cash dividends to net income (ytd only)* | 189.2963% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,374 |
| Loan loss allowance to noncurrent loans | 79.9359% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 2,465 |
| Noncurrent loans to loans | 1.5614% | 1,022 |
| Net loans and leases to total assets | 35.3557% | 5,161 |
| Net loans and leases to deposits | 49.8114% | 4,956 |
| Net loans and leases to core deposits | 62.9891% | 4,574 |
| Total domestic deposits to total assets | 70.9793% | 5,180 |
| Equity capital to assets | 7.5236% | 5,304 |
| Core capital (leverage) ratio | 7.2388% | 5,417 |
| Tier 1 risk-based capital ratio | 14.5103% | 3,123 |
| Total risk-based capital ratio | 15.4588% | 3,180 |
| Memoranda: | ||
| Average total assets | $4,394,984,250 | 244 |
| Average earning assets | $4,171,523,250 | 235 |
| Average equity | $373,474,000 | 298 |
| Average total loans | $1,712,872,750 | 366 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 4,607 |
| Cost of funding earning assets | 0.7784% | 1,229 |
| Net interest margin | 2.9112% | 5,000 |
| Noninterest income to average assets | 0.7124% | 1,825 |
| Noninterest expense to average assets | 2.5184% | 3,583 |
| Loan and lease loss provision to assets | 0.0285% | 3,338 |
| Net operating income to assets | 0.9215% | 3,360 |
| Return on assets (ROA) | 0.9215% | 3,361 |
| Pretax return on assets | 0.9265% | 3,882 |
| Return on Equity (ROE) | 10.3762% | 2,393 |
| Retained earnings to average equity (ytd only) | -17.5024% | 5,485 |
| Net charge-offs to loans | -0.0863% | 5,115 |
| Credit loss provision to net charge-offs | -82.1918% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8711% | 2,181 |
| Assets per employee ($millions) | 6.9435% | 952 |
| Cash dividends to net income (ytd only)* | 268.6777% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,622 |
| Loan loss allowance to noncurrent loans | 94.6885% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 2,684 |
| Noncurrent loans to loans | 1.2848% | 1,331 |
| Net loans and leases to total assets | 38.8173% | 5,096 |
| Net loans and leases to deposits | 58.6758% | 4,603 |
| Net loans and leases to core deposits | 64.4043% | 4,468 |
| Total domestic deposits to total assets | 66.1556% | 5,385 |
| Equity capital to assets | 8.2411% | 5,107 |
| Core capital (leverage) ratio | 7.6032% | 5,430 |
| Tier 1 risk-based capital ratio | 14.7264% | 3,007 |
| Total risk-based capital ratio | 15.6952% | 3,055 |
| Memoranda: | ||
| Average total assets | $4,205,233,670 | 249 |
| Average earning assets | $3,988,455,000 | 241 |
| Average equity | $373,468,670 | 292 |
| Average total loans | $1,691,388,670 | 371 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6865% | 4,496 |
| Cost of funding earning assets | 0.6638% | 1,638 |
| Net interest margin | 3.0227% | 4,846 |
| Noninterest income to average assets | 0.7138% | 1,770 |
| Noninterest expense to average assets | 2.7113% | 3,005 |
| Loan and lease loss provision to assets | 0.0149% | 3,338 |
| Net operating income to assets | 0.8491% | 3,509 |
| Return on assets (ROA) | 0.8491% | 3,526 |
| Pretax return on assets | 0.8545% | 3,999 |
| Return on Equity (ROE) | 9.1837% | 2,815 |
| Retained earnings to average equity (ytd only) | -43.2937% | 5,580 |
| Net charge-offs to loans | -0.0977% | 5,196 |
| Credit loss provision to net charge-offs | -37.5000% | 3,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0816% | 1,890 |
| Assets per employee ($millions) | 6.8784% | 1,013 |
| Cash dividends to net income (ytd only)* | 571.4169% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,926 |
| Loan loss allowance to noncurrent loans | 102.3533% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 2,864 |
| Noncurrent loans to loans | 1.1542% | 1,574 |
| Net loans and leases to total assets | 41.0452% | 5,026 |
| Net loans and leases to deposits | 61.9006% | 4,348 |
| Net loans and leases to core deposits | 68.3937% | 4,196 |
| Total domestic deposits to total assets | 66.3082% | 5,457 |
| Equity capital to assets | 8.6645% | 4,846 |
| Core capital (leverage) ratio | 8.1182% | 5,357 |
| Tier 1 risk-based capital ratio | 14.9016% | 2,918 |
| Total risk-based capital ratio | 15.8710% | 2,968 |
| Memoranda: | ||
| Average total assets | $4,019,971,500 | 261 |
| Average earning assets | $3,812,737,000 | 248 |
| Average equity | $371,657,000 | 297 |
| Average total loans | $1,638,052,500 | 385 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2330% | 5,152 |
| Cost of funding earning assets | 0.4596% | 2,687 |
| Net interest margin | 2.7735% | 5,205 |
| Noninterest income to average assets | 0.7590% | 1,740 |
| Noninterest expense to average assets | 2.4929% | 3,808 |
| Loan and lease loss provision to assets | 0.0158% | 3,976 |
| Net operating income to assets | 0.8668% | 2,884 |
| Return on assets (ROA) | 0.8637% | 2,919 |
| Pretax return on assets | 0.8703% | 4,013 |
| Return on Equity (ROE) | 9.0958% | 2,272 |
| Retained earnings to average equity (ytd only) | 5.2218% | 1,986 |
| Net charge-offs to loans | 0.0087% | 3,781 |
| Credit loss provision to net charge-offs | 483.8710% | 644 |
| Earnings coverage of net charge-offs (x) | 271.8871% | 310 |
| Efficiency ratio | 73.6872% | 1,946 |
| Assets per employee ($millions) | 5.9759% | 1,532 |
| Cash dividends to net income (ytd only)* | 42.5906% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,844 |
| Loan loss allowance to noncurrent loans | 116.6014% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 2,918 |
| Noncurrent loans to loans | 1.1821% | 1,504 |
| Net loans and leases to total assets | 39.2932% | 5,160 |
| Net loans and leases to deposits | 58.7528% | 4,655 |
| Net loans and leases to core deposits | 63.9895% | 4,532 |
| Total domestic deposits to total assets | 66.8789% | 5,499 |
| Equity capital to assets | 9.9127% | 3,801 |
| Core capital (leverage) ratio | 9.0030% | 4,650 |
| Tier 1 risk-based capital ratio | 17.9566% | 1,811 |
| Total risk-based capital ratio | 19.0662% | 1,804 |
| Memoranda: | ||
| Average total assets | $3,791,072,600 | 261 |
| Average earning assets | $3,585,665,000 | 252 |
| Average equity | $359,969,400 | 285 |
| Average total loans | $1,428,025,600 | 404 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2059% | 5,220 |
| Cost of funding earning assets | 0.4250% | 2,927 |
| Net interest margin | 2.7809% | 5,251 |
| Noninterest income to average assets | 0.7278% | 1,877 |
| Noninterest expense to average assets | 2.3915% | 4,039 |
| Loan and lease loss provision to assets | 0.0105% | 3,927 |
| Net operating income to assets | 0.9477% | 2,789 |
| Return on assets (ROA) | 0.9435% | 2,876 |
| Pretax return on assets | 0.9513% | 3,861 |
| Return on Equity (ROE) | 10.0452% | 2,113 |
| Retained earnings to average equity (ytd only) | 5.1768% | 2,763 |
| Net charge-offs to loans | -0.0352% | 5,050 |
| Credit loss provision to net charge-offs | -80.4290% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2113% | 2,338 |
| Assets per employee ($millions) | 6.0824% | 1,433 |
| Cash dividends to net income (ytd only)* | 48.4656% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,896 |
| Loan loss allowance to noncurrent loans | 181.2866% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 3,800 |
| Noncurrent loans to loans | 0.7714% | 2,440 |
| Net loans and leases to total assets | 38.7161% | 5,238 |
| Net loans and leases to deposits | 61.9616% | 4,510 |
| Net loans and leases to core deposits | 65.6311% | 4,508 |
| Total domestic deposits to total assets | 62.4840% | 5,631 |
| Equity capital to assets | 9.8499% | 4,085 |
| Core capital (leverage) ratio | 8.7072% | 5,055 |
| Tier 1 risk-based capital ratio | 18.0013% | 1,852 |
| Total risk-based capital ratio | 19.1415% | 1,836 |
| Memoranda: | ||
| Average total assets | $3,803,607,750 | 262 |
| Average earning assets | $3,596,927,500 | 252 |
| Average equity | $357,254,750 | 288 |
| Average total loans | $1,412,413,250 | 410 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1221% | 5,329 |
| Cost of funding earning assets | 0.3757% | 3,330 |
| Net interest margin | 2.7464% | 5,312 |
| Noninterest income to average assets | 0.7269% | 1,878 |
| Noninterest expense to average assets | 2.3612% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9538% | 2,639 |
| Return on assets (ROA) | 0.9472% | 2,733 |
| Pretax return on assets | 0.9551% | 3,747 |
| Return on Equity (ROE) | 10.2497% | 1,936 |
| Retained earnings to average equity (ytd only) | 5.4274% | 2,456 |
| Net charge-offs to loans | -0.0491% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0434% | 2,504 |
| Assets per employee ($millions) | 6.3329% | 1,241 |
| Cash dividends to net income (ytd only)* | 47.0481% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,904 |
| Loan loss allowance to noncurrent loans | 179.1835% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 3,886 |
| Noncurrent loans to loans | 0.7877% | 2,436 |
| Net loans and leases to total assets | 37.0221% | 5,336 |
| Net loans and leases to deposits | 59.4907% | 4,668 |
| Net loans and leases to core deposits | 62.3348% | 4,700 |
| Total domestic deposits to total assets | 62.2317% | 5,681 |
| Equity capital to assets | 9.5436% | 4,369 |
| Core capital (leverage) ratio | 8.6153% | 5,130 |
| Tier 1 risk-based capital ratio | 17.8952% | 1,885 |
| Total risk-based capital ratio | 19.0258% | 1,885 |
| Memoranda: | ||
| Average total assets | $3,812,413,000 | 264 |
| Average earning assets | $3,603,807,330 | 254 |
| Average equity | $352,323,670 | 293 |
| Average total loans | $1,388,843,330 | 413 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0794% | 5,390 |
| Cost of funding earning assets | 0.3195% | 3,858 |
| Net interest margin | 2.7599% | 5,318 |
| Noninterest income to average assets | 0.7000% | 1,969 |
| Noninterest expense to average assets | 2.4195% | 4,059 |
| Loan and lease loss provision to assets | 0.0237% | 3,271 |
| Net operating income to assets | 0.8596% | 2,947 |
| Return on assets (ROA) | 0.8596% | 2,991 |
| Pretax return on assets | 0.8671% | 3,876 |
| Return on Equity (ROE) | 9.4584% | 2,204 |
| Retained earnings to average equity (ytd only) | 7.4106% | 1,690 |
| Net charge-offs to loans | -0.0906% | 5,421 |
| Credit loss provision to net charge-offs | -73.0519% | 3,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0832% | 2,392 |
| Assets per employee ($millions) | 6.3932% | 1,238 |
| Cash dividends to net income (ytd only)* | 21.6511% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 1,745 |
| Loan loss allowance to noncurrent loans | 180.9804% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 3,945 |
| Noncurrent loans to loans | 0.8207% | 2,401 |
| Net loans and leases to total assets | 35.8607% | 5,405 |
| Net loans and leases to deposits | 59.3200% | 4,613 |
| Net loans and leases to core deposits | 62.8612% | 4,600 |
| Total domestic deposits to total assets | 60.4530% | 5,767 |
| Equity capital to assets | 9.2345% | 4,581 |
| Core capital (leverage) ratio | 8.6015% | 5,154 |
| Tier 1 risk-based capital ratio | 17.9110% | 1,906 |
| Total risk-based capital ratio | 19.0656% | 1,884 |
| Memoranda: | ||
| Average total assets | $3,793,407,500 | 267 |
| Average earning assets | $3,587,832,500 | 257 |
| Average equity | $344,751,000 | 296 |
| Average total loans | $1,360,307,000 | 420 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0568% | 5,450 |
| Cost of funding earning assets | 0.2777% | 4,274 |
| Net interest margin | 2.7790% | 5,323 |
| Noninterest income to average assets | 1.0058% | 1,131 |
| Noninterest expense to average assets | 2.4165% | 4,261 |
| Loan and lease loss provision to assets | -0.3260% | 5,850 |
| Net operating income to assets | 1.5273% | 786 |
| Return on assets (ROA) | 1.1639% | 1,727 |
| Pretax return on assets | 1.1707% | 2,804 |
| Return on Equity (ROE) | 12.2798% | 1,177 |
| Retained earnings to average equity (ytd only) | 6.5474% | 1,431 |
| Net charge-offs to loans | -0.0889% | 5,552 |
| Credit loss provision to net charge-offs | 981.2287% | 392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5440% | 3,504 |
| Assets per employee ($millions) | 6.5111% | 1,149 |
| Cash dividends to net income (ytd only)* | 46.6813% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 1,646 |
| Loan loss allowance to noncurrent loans | 147.6674% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 3,820 |
| Noncurrent loans to loans | 1.0191% | 2,051 |
| Net loans and leases to total assets | 34.7819% | 5,529 |
| Net loans and leases to deposits | 56.4825% | 4,885 |
| Net loans and leases to core deposits | 60.8107% | 4,823 |
| Total domestic deposits to total assets | 61.5799% | 5,811 |
| Equity capital to assets | 8.9405% | 4,870 |
| Core capital (leverage) ratio | 8.7171% | 5,057 |
| Tier 1 risk-based capital ratio | 17.9201% | 1,872 |
| Total risk-based capital ratio | 19.0681% | 1,860 |
| Memoranda: | ||
| Average total assets | $3,527,505,400 | 267 |
| Average earning assets | $3,328,784,400 | 260 |
| Average equity | $334,330,800 | 294 |
| Average total loans | $1,318,639,200 | 411 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0723% | 5,501 |
| Cost of funding earning assets | 0.2861% | 4,240 |
| Net interest margin | 2.7862% | 5,379 |
| Noninterest income to average assets | 1.0673% | 992 |
| Noninterest expense to average assets | 2.4741% | 4,066 |
| Loan and lease loss provision to assets | -0.1347% | 5,827 |
| Net operating income to assets | 1.3444% | 1,180 |
| Return on assets (ROA) | 1.3464% | 1,255 |
| Pretax return on assets | 1.3573% | 2,203 |
| Return on Equity (ROE) | 13.9900% | 829 |
| Retained earnings to average equity (ytd only) | 6.6380% | 1,827 |
| Net charge-offs to loans | -0.3362% | 5,848 |
| Credit loss provision to net charge-offs | 105.5489% | 2,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9114% | 3,439 |
| Assets per employee ($millions) | 6.1338% | 1,334 |
| Cash dividends to net income (ytd only)* | 52.5519% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2637% | 460 |
| Loan loss allowance to noncurrent loans | 149.5940% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 3,177 |
| Noncurrent loans to loans | 1.5133% | 1,428 |
| Net loans and leases to total assets | 36.6649% | 5,523 |
| Net loans and leases to deposits | 55.4643% | 5,027 |
| Net loans and leases to core deposits | 60.3610% | 4,916 |
| Total domestic deposits to total assets | 66.1055% | 5,815 |
| Equity capital to assets | 9.7791% | 4,385 |
| Core capital (leverage) ratio | 9.1397% | 4,671 |
| Tier 1 risk-based capital ratio | 18.0563% | 1,902 |
| Total risk-based capital ratio | 19.3127% | 1,869 |
| Memoranda: | ||
| Average total assets | $3,465,267,250 | 266 |
| Average earning assets | $3,267,744,000 | 261 |
| Average equity | $333,505,000 | 294 |
| Average total loans | $1,314,901,250 | 413 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0700% | 5,573 |
| Cost of funding earning assets | 0.3056% | 4,061 |
| Net interest margin | 2.7645% | 5,489 |
| Noninterest income to average assets | 1.1881% | 798 |
| Noninterest expense to average assets | 2.4932% | 4,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2893% | 1,301 |
| Return on assets (ROA) | 1.2893% | 1,415 |
| Pretax return on assets | 1.2996% | 2,413 |
| Return on Equity (ROE) | 13.4716% | 933 |
| Retained earnings to average equity (ytd only) | 5.2880% | 2,554 |
| Net charge-offs to loans | 0.0977% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 34.9249% | 1,265 |
| Efficiency ratio | 65.6851% | 3,728 |
| Assets per employee ($millions) | 6.1810% | 1,277 |
| Cash dividends to net income (ytd only)* | 60.7470% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2350% | 517 |
| Loan loss allowance to noncurrent loans | 141.8892% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 3,144 |
| Noncurrent loans to loans | 1.5751% | 1,365 |
| Net loans and leases to total assets | 37.5387% | 5,538 |
| Net loans and leases to deposits | 54.5433% | 5,103 |
| Net loans and leases to core deposits | 60.0530% | 4,977 |
| Total domestic deposits to total assets | 68.8237% | 5,817 |
| Equity capital to assets | 10.0219% | 4,201 |
| Core capital (leverage) ratio | 8.9732% | 4,862 |
| Tier 1 risk-based capital ratio | 16.9021% | 2,253 |
| Total risk-based capital ratio | 18.1573% | 2,210 |
| Memoranda: | ||
| Average total assets | $3,434,489,670 | 269 |
| Average earning assets | $3,236,066,670 | 262 |
| Average equity | $328,705,670 | 296 |
| Average total loans | $1,308,333,670 | 412 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0885% | 5,617 |
| Cost of funding earning assets | 0.3266% | 3,883 |
| Net interest margin | 2.7619% | 5,528 |
| Noninterest income to average assets | 0.8219% | 1,550 |
| Noninterest expense to average assets | 2.5326% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8838% | 2,835 |
| Return on assets (ROA) | 0.8838% | 2,961 |
| Pretax return on assets | 0.8905% | 3,883 |
| Return on Equity (ROE) | 9.4607% | 2,212 |
| Retained earnings to average equity (ytd only) | 4.4811% | 3,247 |
| Net charge-offs to loans | 0.1336% | 1,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 17.5727% | 1,570 |
| Efficiency ratio | 73.9282% | 2,489 |
| Assets per employee ($millions) | 5.9999% | 1,398 |
| Cash dividends to net income (ytd only)* | 52.6351% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 509 |
| Loan loss allowance to noncurrent loans | 233.3385% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 2,945 |
| Noncurrent loans to loans | 0.9852% | 2,414 |
| Net loans and leases to total assets | 37.5634% | 5,573 |
| Net loans and leases to deposits | 54.1177% | 5,095 |
| Net loans and leases to core deposits | 60.4638% | 4,907 |
| Total domestic deposits to total assets | 69.4106% | 5,887 |
| Equity capital to assets | 9.5165% | 4,654 |
| Core capital (leverage) ratio | 8.8734% | 4,993 |
| Tier 1 risk-based capital ratio | 16.7904% | 2,365 |
| Total risk-based capital ratio | 18.0460% | 2,308 |
| Memoranda: | ||
| Average total assets | $3,417,953,000 | 268 |
| Average earning assets | $3,219,090,000 | 263 |
| Average equity | $319,300,000 | 301 |
| Average total loans | $1,296,783,000 | 408 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9665% | 5,755 |
| Cost of funding earning assets | 0.2718% | 4,563 |
| Net interest margin | 2.6947% | 5,649 |
| Noninterest income to average assets | 0.8646% | 1,549 |
| Noninterest expense to average assets | 2.5011% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8930% | 2,911 |
| Return on assets (ROA) | 0.8930% | 2,992 |
| Pretax return on assets | 0.9003% | 3,834 |
| Return on Equity (ROE) | 9.8045% | 2,084 |
| Retained earnings to average equity (ytd only) | 3.4712% | 3,587 |
| Net charge-offs to loans | 0.1302% | 2,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 18.5021% | 2,006 |
| Efficiency ratio | 73.4645% | 2,662 |
| Assets per employee ($millions) | 5.8605% | 1,491 |
| Cash dividends to net income (ytd only)* | 64.5959% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3559% | 481 |
| Loan loss allowance to noncurrent loans | 187.6644% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 2,662 |
| Noncurrent loans to loans | 1.2554% | 1,876 |
| Net loans and leases to total assets | 36.5596% | 5,691 |
| Net loans and leases to deposits | 51.9489% | 5,288 |
| Net loans and leases to core deposits | 60.2995% | 4,962 |
| Total domestic deposits to total assets | 70.3760% | 5,876 |
| Equity capital to assets | 9.1700% | 4,949 |
| Core capital (leverage) ratio | 8.6239% | 5,307 |
| Tier 1 risk-based capital ratio | 16.6568% | 2,406 |
| Total risk-based capital ratio | 17.9128% | 2,361 |
| Memoranda: | ||
| Average total assets | $3,462,750,400 | 250 |
| Average earning assets | $3,259,881,000 | 242 |
| Average equity | $315,396,400 | 291 |
| Average total loans | $1,293,972,400 | 389 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9677% | 5,834 |
| Cost of funding earning assets | 0.2730% | 4,634 |
| Net interest margin | 2.6947% | 5,730 |
| Noninterest income to average assets | 0.8563% | 1,598 |
| Noninterest expense to average assets | 2.4857% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8986% | 2,966 |
| Return on assets (ROA) | 0.8986% | 3,054 |
| Pretax return on assets | 0.9060% | 3,966 |
| Return on Equity (ROE) | 9.8828% | 2,148 |
| Retained earnings to average equity (ytd only) | 1.6567% | 5,037 |
| Net charge-offs to loans | 0.1175% | 1,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.6476% | 1,861 |
| Efficiency ratio | 73.2295% | 2,680 |
| Assets per employee ($millions) | 5.9946% | 1,377 |
| Cash dividends to net income (ytd only)* | 83.2371% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3551% | 535 |
| Loan loss allowance to noncurrent loans | 164.0596% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 2,634 |
| Noncurrent loans to loans | 1.4355% | 1,755 |
| Net loans and leases to total assets | 37.0233% | 5,748 |
| Net loans and leases to deposits | 54.2713% | 5,233 |
| Net loans and leases to core deposits | 62.6997% | 4,887 |
| Total domestic deposits to total assets | 68.2188% | 6,032 |
| Equity capital to assets | 9.1487% | 5,164 |
| Core capital (leverage) ratio | 8.4466% | 5,591 |
| Tier 1 risk-based capital ratio | 15.9603% | 2,816 |
| Total risk-based capital ratio | 17.2162% | 2,755 |
| Memoranda: | ||
| Average total assets | $3,466,950,750 | 255 |
| Average earning assets | $3,261,982,750 | 249 |
| Average equity | $315,247,000 | 298 |
| Average total loans | $1,294,910,500 | 392 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9681% | 5,888 |
| Cost of funding earning assets | 0.2830% | 4,574 |
| Net interest margin | 2.6851% | 5,783 |
| Noninterest income to average assets | 0.8873% | 1,481 |
| Noninterest expense to average assets | 2.4789% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9262% | 2,755 |
| Return on assets (ROA) | 0.9262% | 2,876 |
| Pretax return on assets | 0.9343% | 3,825 |
| Return on Equity (ROE) | 10.2070% | 1,975 |
| Retained earnings to average equity (ytd only) | 4.0195% | 3,453 |
| Net charge-offs to loans | 0.1051% | 1,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 23.9276% | 1,586 |
| Efficiency ratio | 72.5680% | 2,918 |
| Assets per employee ($millions) | 6.1103% | 1,273 |
| Cash dividends to net income (ytd only)* | 60.6202% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3796% | 565 |
| Loan loss allowance to noncurrent loans | 207.7809% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 3,050 |
| Noncurrent loans to loans | 1.1452% | 2,360 |
| Net loans and leases to total assets | 36.9899% | 5,778 |
| Net loans and leases to deposits | 53.6736% | 5,277 |
| Net loans and leases to core deposits | 61.5820% | 4,976 |
| Total domestic deposits to total assets | 68.9164% | 6,079 |
| Equity capital to assets | 9.0220% | 5,214 |
| Core capital (leverage) ratio | 8.4753% | 5,554 |
| Tier 1 risk-based capital ratio | 15.9558% | 2,882 |
| Total risk-based capital ratio | 17.2124% | 2,833 |
| Memoranda: | ||
| Average total assets | $3,467,643,000 | 256 |
| Average earning assets | $3,262,012,670 | 248 |
| Average equity | $314,665,670 | 299 |
| Average total loans | $1,288,630,670 | 395 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9441% | 5,953 |
| Cost of funding earning assets | 0.2926% | 4,526 |
| Net interest margin | 2.6515% | 5,866 |
| Noninterest income to average assets | 0.8583% | 1,533 |
| Noninterest expense to average assets | 2.4936% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8538% | 2,989 |
| Return on assets (ROA) | 0.8538% | 3,108 |
| Pretax return on assets | 0.8611% | 4,018 |
| Return on Equity (ROE) | 9.3812% | 2,273 |
| Retained earnings to average equity (ytd only) | 7.9140% | 1,599 |
| Net charge-offs to loans | 0.2005% | 1,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.6755% | 1,844 |
| Efficiency ratio | 74.2720% | 2,775 |
| Assets per employee ($millions) | 6.1848% | 1,263 |
| Cash dividends to net income (ytd only)* | 15.6398% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4374% | 582 |
| Loan loss allowance to noncurrent loans | 204.3744% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.7862% | 3,147 |
| Noncurrent loans to loans | 1.1926% | 2,389 |
| Net loans and leases to total assets | 35.8261% | 5,836 |
| Net loans and leases to deposits | 51.5776% | 5,357 |
| Net loans and leases to core deposits | 59.6075% | 5,021 |
| Total domestic deposits to total assets | 69.4606% | 6,154 |
| Equity capital to assets | 9.1899% | 5,101 |
| Core capital (leverage) ratio | 8.4865% | 5,530 |
| Tier 1 risk-based capital ratio | 15.9780% | 2,932 |
| Total risk-based capital ratio | 17.2342% | 2,865 |
| Memoranda: | ||
| Average total assets | $3,460,025,500 | 253 |
| Average earning assets | $3,257,755,000 | 245 |
| Average equity | $314,886,000 | 299 |
| Average total loans | $1,273,087,500 | 394 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8842% | 6,151 |
| Cost of funding earning assets | 0.3356% | 4,427 |
| Net interest margin | 2.5486% | 6,113 |
| Noninterest income to average assets | 0.9391% | 1,384 |
| Noninterest expense to average assets | 2.4672% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8577% | 3,074 |
| Return on assets (ROA) | 0.9430% | 2,752 |
| Pretax return on assets | 0.9485% | 3,699 |
| Return on Equity (ROE) | 10.9731% | 1,728 |
| Retained earnings to average equity (ytd only) | 4.2054% | 3,204 |
| Net charge-offs to loans | 0.6797% | 550 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.7178% | 3,822 |
| Efficiency ratio | 74.0283% | 2,831 |
| Assets per employee ($millions) | 6.2060% | 1,247 |
| Cash dividends to net income (ytd only)* | 61.6753% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5539% | 517 |
| Loan loss allowance to noncurrent loans | 191.1176% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 3,019 |
| Noncurrent loans to loans | 1.3363% | 2,199 |
| Net loans and leases to total assets | 35.9279% | 5,959 |
| Net loans and leases to deposits | 51.2022% | 5,523 |
| Net loans and leases to core deposits | 61.1354% | 5,060 |
| Total domestic deposits to total assets | 70.1686% | 6,190 |
| Equity capital to assets | 9.0087% | 5,278 |
| Core capital (leverage) ratio | 8.2461% | 5,826 |
| Tier 1 risk-based capital ratio | 15.7690% | 3,088 |
| Total risk-based capital ratio | 17.0259% | 3,021 |
| Memoranda: | ||
| Average total assets | $3,391,482,400 | 246 |
| Average earning assets | $3,181,052,200 | 235 |
| Average equity | $291,458,000 | 299 |
| Average total loans | $1,157,285,800 | 408 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8720% | 6,228 |
| Cost of funding earning assets | 0.3407% | 4,452 |
| Net interest margin | 2.5312% | 6,200 |
| Noninterest income to average assets | 0.8771% | 1,597 |
| Noninterest expense to average assets | 2.3718% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8703% | 3,072 |
| Return on assets (ROA) | 0.8891% | 3,065 |
| Pretax return on assets | 0.8958% | 4,007 |
| Return on Equity (ROE) | 10.4735% | 2,017 |
| Retained earnings to average equity (ytd only) | 5.0144% | 3,069 |
| Net charge-offs to loans | 0.2775% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.4514% | 2,670 |
| Efficiency ratio | 72.9461% | 3,010 |
| Assets per employee ($millions) | 6.0157% | 1,327 |
| Cash dividends to net income (ytd only)* | 52.1225% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2594% | 279 |
| Loan loss allowance to noncurrent loans | 182.5998% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.1531% | 2,642 |
| Noncurrent loans to loans | 1.7850% | 1,815 |
| Net loans and leases to total assets | 33.1781% | 6,146 |
| Net loans and leases to deposits | 48.7070% | 5,723 |
| Net loans and leases to core deposits | 58.8682% | 5,277 |
| Total domestic deposits to total assets | 68.1177% | 6,347 |
| Equity capital to assets | 9.0640% | 5,286 |
| Core capital (leverage) ratio | 8.1276% | 5,989 |
| Tier 1 risk-based capital ratio | 15.7042% | 3,209 |
| Total risk-based capital ratio | 16.9658% | 3,144 |
| Memoranda: | ||
| Average total assets | $3,387,582,750 | 242 |
| Average earning assets | $3,173,741,250 | 234 |
| Average equity | $287,589,000 | 302 |
| Average total loans | $1,132,564,250 | 413 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8339% | 6,316 |
| Cost of funding earning assets | 0.3414% | 4,523 |
| Net interest margin | 2.4925% | 6,287 |
| Noninterest income to average assets | 0.8912% | 1,524 |
| Noninterest expense to average assets | 2.3530% | 5,014 |
| Loan and lease loss provision to assets | 0.0294% | 3,682 |
| Net operating income to assets | 0.8369% | 3,141 |
| Return on assets (ROA) | 0.8651% | 3,073 |
| Pretax return on assets | 0.8725% | 3,985 |
| Return on Equity (ROE) | 10.4232% | 1,968 |
| Retained earnings to average equity (ytd only) | 5.2432% | 2,805 |
| Net charge-offs to loans | 0.3703% | 1,100 |
| Credit loss provision to net charge-offs | 23.9923% | 3,134 |
| Earnings coverage of net charge-offs (x) | 7.1161% | 2,680 |
| Efficiency ratio | 72.8657% | 3,180 |
| Assets per employee ($millions) | 6.2278% | 1,152 |
| Cash dividends to net income (ytd only)* | 49.6971% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3548% | 265 |
| Loan loss allowance to noncurrent loans | 152.3550% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 2,613 |
| Noncurrent loans to loans | 2.2020% | 1,483 |
| Net loans and leases to total assets | 32.3823% | 6,229 |
| Net loans and leases to deposits | 46.8227% | 5,836 |
| Net loans and leases to core deposits | 56.4249% | 5,382 |
| Total domestic deposits to total assets | 69.1595% | 6,385 |
| Equity capital to assets | 8.8329% | 5,491 |
| Core capital (leverage) ratio | 7.9082% | 6,155 |
| Tier 1 risk-based capital ratio | 15.5635% | 3,323 |
| Total risk-based capital ratio | 16.8256% | 3,267 |
| Memoranda: | ||
| Average total assets | $3,395,852,330 | 239 |
| Average earning assets | $3,181,573,670 | 232 |
| Average equity | $281,851,670 | 302 |
| Average total loans | $1,125,654,330 | 413 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8165% | 6,384 |
| Cost of funding earning assets | 0.3405% | 4,643 |
| Net interest margin | 2.4761% | 6,349 |
| Noninterest income to average assets | 0.8177% | 1,685 |
| Noninterest expense to average assets | 2.3945% | 4,943 |
| Loan and lease loss provision to assets | 0.0590% | 2,926 |
| Net operating income to assets | 0.6786% | 3,794 |
| Return on assets (ROA) | 0.6318% | 4,125 |
| Pretax return on assets | 0.6373% | 4,706 |
| Return on Equity (ROE) | 7.8662% | 3,001 |
| Retained earnings to average equity (ytd only) | 3.8228% | 3,836 |
| Net charge-offs to loans | 0.3335% | 1,073 |
| Credit loss provision to net charge-offs | 53.7057% | 2,165 |
| Earnings coverage of net charge-offs (x) | 6.7648% | 2,192 |
| Efficiency ratio | 76.2342% | 2,760 |
| Assets per employee ($millions) | 6.2164% | 1,174 |
| Cash dividends to net income (ytd only)* | 51.4019% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4808% | 271 |
| Loan loss allowance to noncurrent loans | 151.4197% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.3664% | 2,586 |
| Noncurrent loans to loans | 2.2988% | 1,553 |
| Net loans and leases to total assets | 32.1652% | 6,260 |
| Net loans and leases to deposits | 46.6522% | 5,809 |
| Net loans and leases to core deposits | 56.5216% | 5,320 |
| Total domestic deposits to total assets | 68.9467% | 6,485 |
| Equity capital to assets | 8.3019% | 5,823 |
| Core capital (leverage) ratio | 7.8402% | 6,206 |
| Tier 1 risk-based capital ratio | 15.3494% | 3,521 |
| Total risk-based capital ratio | 16.6126% | 3,470 |
| Memoranda: | ||
| Average total assets | $3,387,365,000 | 237 |
| Average earning assets | $3,174,528,000 | 232 |
| Average equity | $272,051,500 | 307 |
| Average total loans | $1,116,724,000 | 411 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2412% | 6,091 |
| Cost of funding earning assets | 0.3757% | 4,883 |
| Net interest margin | 2.8655% | 5,866 |
| Noninterest income to average assets | 1.0899% | 1,188 |
| Noninterest expense to average assets | 2.6574% | 4,252 |
| Loan and lease loss provision to assets | -0.1433% | 6,534 |
| Net operating income to assets | 1.2341% | 1,439 |
| Return on assets (ROA) | 1.1244% | 1,919 |
| Pretax return on assets | 1.1313% | 2,847 |
| Return on Equity (ROE) | 12.7777% | 1,215 |
| Retained earnings to average equity (ytd only) | 11.1366% | 404 |
| Net charge-offs to loans | 0.8085% | 773 |
| Credit loss provision to net charge-offs | -46.1455% | 5,786 |
| Earnings coverage of net charge-offs (x) | 3.5392% | 3,828 |
| Efficiency ratio | 70.4491% | 3,764 |
| Assets per employee ($millions) | 6.1128% | 1,194 |
| Cash dividends to net income (ytd only)* | 12.8437% | 3,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6375% | 259 |
| Loan loss allowance to noncurrent loans | 130.4690% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.4889% | 2,498 |
| Noncurrent loans to loans | 2.7880% | 1,274 |
| Net loans and leases to total assets | 31.4194% | 6,417 |
| Net loans and leases to deposits | 45.6013% | 6,038 |
| Net loans and leases to core deposits | 55.6431% | 5,559 |
| Total domestic deposits to total assets | 68.9002% | 6,558 |
| Equity capital to assets | 7.7577% | 6,154 |
| Core capital (leverage) ratio | 8.5783% | 5,570 |
| Tier 1 risk-based capital ratio | 15.5450% | 3,345 |
| Total risk-based capital ratio | 16.8091% | 3,288 |
| Memoranda: | ||
| Average total assets | $2,966,535,800 | 255 |
| Average earning assets | $2,760,301,400 | 247 |
| Average equity | $261,040,000 | 311 |
| Average total loans | $1,139,123,200 | 389 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 6,093 |
| Cost of funding earning assets | 0.3861% | 4,938 |
| Net interest margin | 2.8925% | 5,836 |
| Noninterest income to average assets | 1.0577% | 1,306 |
| Noninterest expense to average assets | 2.7349% | 3,884 |
| Loan and lease loss provision to assets | 0.0814% | 3,433 |
| Net operating income to assets | 0.9180% | 2,744 |
| Return on assets (ROA) | 0.8653% | 3,125 |
| Pretax return on assets | 0.8717% | 4,003 |
| Return on Equity (ROE) | 9.5025% | 2,395 |
| Retained earnings to average equity (ytd only) | 7.6204% | 1,580 |
| Net charge-offs to loans | 0.9044% | 643 |
| Credit loss provision to net charge-offs | 22.4474% | 4,028 |
| Earnings coverage of net charge-offs (x) | 2.7750% | 3,911 |
| Efficiency ratio | 72.6997% | 3,284 |
| Assets per employee ($millions) | 5.2203% | 1,917 |
| Cash dividends to net income (ytd only)* | 19.8065% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2883% | 195 |
| Loan loss allowance to noncurrent loans | 153.9194% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.8195% | 2,248 |
| Noncurrent loans to loans | 2.7860% | 1,503 |
| Net loans and leases to total assets | 36.6173% | 6,251 |
| Net loans and leases to deposits | 44.4003% | 6,190 |
| Net loans and leases to core deposits | 54.1264% | 5,757 |
| Total domestic deposits to total assets | 82.4708% | 4,776 |
| Equity capital to assets | 8.7111% | 5,507 |
| Core capital (leverage) ratio | 8.5773% | 5,691 |
| Tier 1 risk-based capital ratio | 15.0854% | 3,695 |
| Total risk-based capital ratio | 16.3559% | 3,634 |
| Memoranda: | ||
| Average total assets | $2,866,138,000 | 261 |
| Average earning assets | $2,659,124,000 | 254 |
| Average equity | $260,977,500 | 309 |
| Average total loans | $1,149,355,750 | 386 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3455% | 6,008 |
| Cost of funding earning assets | 0.3817% | 5,116 |
| Net interest margin | 2.9638% | 5,664 |
| Noninterest income to average assets | 1.0367% | 1,419 |
| Noninterest expense to average assets | 2.6782% | 4,116 |
| Loan and lease loss provision to assets | 0.1224% | 2,792 |
| Net operating income to assets | 0.9817% | 2,409 |
| Return on assets (ROA) | 0.9817% | 2,556 |
| Pretax return on assets | 0.9889% | 3,561 |
| Return on Equity (ROE) | 10.6260% | 1,958 |
| Retained earnings to average equity (ytd only) | 7.8366% | 1,553 |
| Net charge-offs to loans | 1.0555% | 574 |
| Credit loss provision to net charge-offs | 28.4784% | 3,619 |
| Earnings coverage of net charge-offs (x) | 2.5854% | 3,658 |
| Efficiency ratio | 70.2335% | 3,784 |
| Assets per employee ($millions) | 5.3004% | 1,793 |
| Cash dividends to net income (ytd only)* | 26.2505% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3007% | 201 |
| Loan loss allowance to noncurrent loans | 149.2948% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.7247% | 2,524 |
| Noncurrent loans to loans | 2.8807% | 1,567 |
| Net loans and leases to total assets | 36.7431% | 6,255 |
| Net loans and leases to deposits | 44.6589% | 6,188 |
| Net loans and leases to core deposits | 54.0824% | 5,748 |
| Total domestic deposits to total assets | 82.2748% | 4,950 |
| Equity capital to assets | 8.3938% | 5,875 |
| Core capital (leverage) ratio | 8.6044% | 5,555 |
| Tier 1 risk-based capital ratio | 14.7179% | 3,963 |
| Total risk-based capital ratio | 15.9894% | 3,916 |
| Memoranda: | ||
| Average total assets | $2,859,243,330 | 263 |
| Average earning assets | $2,655,619,670 | 253 |
| Average equity | $264,145,670 | 306 |
| Average total loans | $1,164,329,000 | 381 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 5,939 |
| Cost of funding earning assets | 0.3982% | 5,120 |
| Net interest margin | 3.0032% | 5,560 |
| Noninterest income to average assets | 1.0223% | 1,418 |
| Noninterest expense to average assets | 2.8258% | 3,610 |
| Loan and lease loss provision to assets | 0.1783% | 2,085 |
| Net operating income to assets | 0.7946% | 3,194 |
| Return on assets (ROA) | 0.7946% | 3,329 |
| Pretax return on assets | 0.8005% | 4,166 |
| Return on Equity (ROE) | 8.2048% | 2,875 |
| Retained earnings to average equity (ytd only) | 7.3272% | 2,014 |
| Net charge-offs to loans | 1.1544% | 512 |
| Credit loss provision to net charge-offs | 36.8080% | 2,789 |
| Earnings coverage of net charge-offs (x) | 2.0209% | 3,155 |
| Efficiency ratio | 73.8239% | 3,296 |
| Assets per employee ($millions) | 4.9928% | 2,221 |
| Cash dividends to net income (ytd only)* | 10.6963% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4005% | 212 |
| Loan loss allowance to noncurrent loans | 141.7851% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 2.1403% | 2,197 |
| Noncurrent loans to loans | 3.1037% | 1,602 |
| Net loans and leases to total assets | 40.4802% | 5,959 |
| Net loans and leases to deposits | 47.7769% | 5,936 |
| Net loans and leases to core deposits | 58.4575% | 5,296 |
| Total domestic deposits to total assets | 84.7276% | 4,166 |
| Equity capital to assets | 9.8798% | 4,301 |
| Core capital (leverage) ratio | 8.5359% | 5,538 |
| Tier 1 risk-based capital ratio | 14.1585% | 4,389 |
| Total risk-based capital ratio | 15.4311% | 4,340 |
| Memoranda: | ||
| Average total assets | $2,804,760,000 | 272 |
| Average earning assets | $2,598,463,500 | 262 |
| Average equity | $271,646,000 | 303 |
| Average total loans | $1,176,682,000 | 376 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 5,960 |
| Cost of funding earning assets | 0.4251% | 5,751 |
| Net interest margin | 3.3183% | 5,193 |
| Noninterest income to average assets | 1.1070% | 1,264 |
| Noninterest expense to average assets | 3.0344% | 3,148 |
| Loan and lease loss provision to assets | 0.2296% | 2,833 |
| Net operating income to assets | 0.8944% | 2,852 |
| Return on assets (ROA) | 1.0227% | 2,456 |
| Pretax return on assets | 1.0262% | 3,454 |
| Return on Equity (ROE) | 10.5765% | 1,946 |
| Retained earnings to average equity (ytd only) | -3.3118% | 6,289 |
| Net charge-offs to loans | 1.5741% | 549 |
| Credit loss provision to net charge-offs | 31.5534% | 5,093 |
| Earnings coverage of net charge-offs (x) | 1.5493% | 4,668 |
| Efficiency ratio | 72.4631% | 3,330 |
| Assets per employee ($millions) | 5.2935% | 1,910 |
| Cash dividends to net income (ytd only)* | 131.3124% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4937% | 188 |
| Loan loss allowance to noncurrent loans | 158.4872% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 2.1426% | 2,280 |
| Noncurrent loans to loans | 2.8354% | 1,854 |
| Net loans and leases to total assets | 39.7088% | 6,188 |
| Net loans and leases to deposits | 47.7563% | 6,125 |
| Net loans and leases to core deposits | 57.9432% | 5,548 |
| Total domestic deposits to total assets | 83.1488% | 4,657 |
| Equity capital to assets | 9.4978% | 4,876 |
| Core capital (leverage) ratio | 8.3006% | 5,886 |
| Tier 1 risk-based capital ratio | 13.7778% | 4,550 |
| Total risk-based capital ratio | 15.0518% | 4,484 |
| Memoranda: | ||
| Average total assets | $2,830,438,600 | 259 |
| Average earning assets | $2,605,818,800 | 252 |
| Average equity | $273,690,800 | 295 |
| Average total loans | $1,308,667,200 | 334 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 5,463 |
| Cost of funding earning assets | 0.4367% | 5,888 |
| Net interest margin | 3.5827% | 4,306 |
| Noninterest income to average assets | 1.0611% | 1,340 |
| Noninterest expense to average assets | 3.0119% | 3,193 |
| Loan and lease loss provision to assets | 0.3069% | 2,155 |
| Net operating income to assets | 1.0351% | 2,343 |
| Return on assets (ROA) | 1.2066% | 1,893 |
| Pretax return on assets | 1.2097% | 2,958 |
| Return on Equity (ROE) | 12.4229% | 1,490 |
| Retained earnings to average equity (ytd only) | 12.1745% | 504 |
| Net charge-offs to loans | 1.7558% | 459 |
| Credit loss provision to net charge-offs | 36.8711% | 4,686 |
| Earnings coverage of net charge-offs (x) | 1.6157% | 4,472 |
| Efficiency ratio | 68.6898% | 3,931 |
| Assets per employee ($millions) | 5.4247% | 1,708 |
| Cash dividends to net income (ytd only)* | 1.9999% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7112% | 177 |
| Loan loss allowance to noncurrent loans | 155.8178% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 2.4100% | 2,204 |
| Noncurrent loans to loans | 3.0235% | 1,841 |
| Net loans and leases to total assets | 39.5122% | 6,319 |
| Net loans and leases to deposits | 49.3795% | 6,159 |
| Net loans and leases to core deposits | 59.4347% | 5,612 |
| Total domestic deposits to total assets | 80.0176% | 5,650 |
| Equity capital to assets | 10.3180% | 4,057 |
| Core capital (leverage) ratio | 9.4420% | 4,360 |
| Tier 1 risk-based capital ratio | 16.0179% | 3,250 |
| Total risk-based capital ratio | 17.2946% | 3,208 |
| Memoranda: | ||
| Average total assets | $2,823,421,750 | 259 |
| Average earning assets | $2,597,408,250 | 251 |
| Average equity | $274,239,500 | 296 |
| Average total loans | $1,338,712,500 | 333 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 5,263 |
| Cost of funding earning assets | 0.4597% | 5,907 |
| Net interest margin | 3.6553% | 4,011 |
| Noninterest income to average assets | 1.0597% | 1,288 |
| Noninterest expense to average assets | 2.9668% | 3,383 |
| Loan and lease loss provision to assets | 0.4639% | 1,379 |
| Net operating income to assets | 0.9839% | 2,533 |
| Return on assets (ROA) | 1.2431% | 1,759 |
| Pretax return on assets | 1.2466% | 2,738 |
| Return on Equity (ROE) | 13.0776% | 1,344 |
| Retained earnings to average equity (ytd only) | 12.7900% | 462 |
| Net charge-offs to loans | 2.1100% | 377 |
| Credit loss provision to net charge-offs | 44.4505% | 4,156 |
| Earnings coverage of net charge-offs (x) | 1.3908% | 4,312 |
| Efficiency ratio | 66.6257% | 4,403 |
| Assets per employee ($millions) | 5.3378% | 1,781 |
| Cash dividends to net income (ytd only)* | 2.1987% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5435% | 222 |
| Loan loss allowance to noncurrent loans | 100.4805% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 3.1281% | 1,743 |
| Noncurrent loans to loans | 4.5218% | 1,169 |
| Net loans and leases to total assets | 43.3647% | 6,079 |
| Net loans and leases to deposits | 54.0751% | 5,860 |
| Net loans and leases to core deposits | 64.2744% | 5,182 |
| Total domestic deposits to total assets | 80.1934% | 5,691 |
| Equity capital to assets | 9.6841% | 4,778 |
| Core capital (leverage) ratio | 9.2237% | 4,568 |
| Tier 1 risk-based capital ratio | 14.5551% | 4,062 |
| Total risk-based capital ratio | 15.8312% | 4,006 |
| Memoranda: | ||
| Average total assets | $2,802,574,330 | 261 |
| Average earning assets | $2,574,955,330 | 255 |
| Average equity | $266,394,670 | 300 |
| Average total loans | $1,386,054,330 | 322 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 4,980 |
| Cost of funding earning assets | 0.4953% | 5,848 |
| Net interest margin | 3.7385% | 3,643 |
| Noninterest income to average assets | 1.0387% | 1,340 |
| Noninterest expense to average assets | 3.0123% | 3,196 |
| Loan and lease loss provision to assets | 0.9402% | 459 |
| Net operating income to assets | 0.5134% | 4,765 |
| Return on assets (ROA) | 1.0387% | 2,521 |
| Pretax return on assets | 1.0418% | 3,527 |
| Return on Equity (ROE) | 11.0357% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.5946% | 1,143 |
| Net charge-offs to loans | 2.2158% | 401 |
| Credit loss provision to net charge-offs | 82.3097% | 2,691 |
| Earnings coverage of net charge-offs (x) | 1.2752% | 3,692 |
| Efficiency ratio | 66.8814% | 4,383 |
| Assets per employee ($millions) | 5.3221% | 1,863 |
| Cash dividends to net income (ytd only)* | 3.9967% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7034% | 218 |
| Loan loss allowance to noncurrent loans | 84.7466% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 3.9095% | 1,424 |
| Noncurrent loans to loans | 5.5500% | 957 |
| Net loans and leases to total assets | 47.3969% | 5,632 |
| Net loans and leases to deposits | 59.2911% | 5,246 |
| Net loans and leases to core deposits | 71.9679% | 4,154 |
| Total domestic deposits to total assets | 79.9394% | 5,864 |
| Equity capital to assets | 9.2242% | 5,198 |
| Core capital (leverage) ratio | 9.0306% | 4,787 |
| Tier 1 risk-based capital ratio | 13.2666% | 5,015 |
| Total risk-based capital ratio | 14.5452% | 4,976 |
| Memoranda: | ||
| Average total assets | $2,765,326,000 | 262 |
| Average earning assets | $2,537,303,000 | 255 |
| Average equity | $260,283,000 | 301 |
| Average total loans | $1,425,573,500 | 316 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 4,731 |
| Cost of funding earning assets | 0.7055% | 5,502 |
| Net interest margin | 3.8794% | 3,427 |
| Noninterest income to average assets | 1.0701% | 1,167 |
| Noninterest expense to average assets | 3.2746% | 2,604 |
| Loan and lease loss provision to assets | 1.8868% | 337 |
| Net operating income to assets | -0.5461% | 6,521 |
| Return on assets (ROA) | -0.5150% | 6,544 |
| Pretax return on assets | -0.5095% | 6,501 |
| Return on Equity (ROE) | -5.3450% | 6,550 |
| Retained earnings to average equity (ytd only) | -5.3450% | 6,475 |
| Net charge-offs to loans | 2.3874% | 508 |
| Credit loss provision to net charge-offs | 137.0940% | 2,170 |
| Earnings coverage of net charge-offs (x) | 0.9781% | 5,063 |
| Efficiency ratio | 70.4082% | 3,864 |
| Assets per employee ($millions) | 5.0934% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6699% | 222 |
| Loan loss allowance to noncurrent loans | 78.9703% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 4.2218% | 1,334 |
| Noncurrent loans to loans | 5.9135% | 850 |
| Net loans and leases to total assets | 50.9528% | 5,470 |
| Net loans and leases to deposits | 62.2613% | 5,207 |
| Net loans and leases to core deposits | 74.4831% | 4,179 |
| Total domestic deposits to total assets | 81.8370% | 5,180 |
| Equity capital to assets | 9.6090% | 4,733 |
| Core capital (leverage) ratio | 8.7235% | 5,213 |
| Tier 1 risk-based capital ratio | 12.8183% | 5,229 |
| Total risk-based capital ratio | 14.0975% | 5,173 |
| Memoranda: | ||
| Average total assets | $2,789,908,400 | 258 |
| Average earning assets | $2,553,493,000 | 254 |
| Average equity | $268,813,000 | 290 |
| Average total loans | $1,608,318,000 | 283 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6186% | 4,793 |
| Cost of funding earning assets | 0.7449% | 5,493 |
| Net interest margin | 3.8737% | 3,505 |
| Noninterest income to average assets | 1.0388% | 1,250 |
| Noninterest expense to average assets | 2.8980% | 3,938 |
| Loan and lease loss provision to assets | 1.9654% | 283 |
| Net operating income to assets | -0.2842% | 6,468 |
| Return on assets (ROA) | -0.2547% | 6,515 |
| Pretax return on assets | -0.2486% | 6,450 |
| Return on Equity (ROE) | -2.6421% | 6,537 |
| Retained earnings to average equity (ytd only) | -2.6421% | 6,375 |
| Net charge-offs to loans | 2.2752% | 526 |
| Credit loss provision to net charge-offs | 147.2689% | 2,133 |
| Earnings coverage of net charge-offs (x) | 1.2644% | 4,667 |
| Efficiency ratio | 62.7542% | 5,284 |
| Assets per employee ($millions) | 5.2256% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2860% | 316 |
| Loan loss allowance to noncurrent loans | 77.2843% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 4.5365% | 1,320 |
| Noncurrent loans to loans | 5.5458% | 1,064 |
| Net loans and leases to total assets | 53.3705% | 5,265 |
| Net loans and leases to deposits | 64.0013% | 5,172 |
| Net loans and leases to core deposits | 78.2022% | 3,872 |
| Total domestic deposits to total assets | 83.3896% | 4,526 |
| Equity capital to assets | 9.5609% | 4,991 |
| Core capital (leverage) ratio | 8.9084% | 5,083 |
| Tier 1 risk-based capital ratio | 12.5512% | 5,453 |
| Total risk-based capital ratio | 13.8273% | 5,409 |
| Memoranda: | ||
| Average total assets | $2,811,237,500 | 253 |
| Average earning assets | $2,573,840,500 | 248 |
| Average equity | $271,045,000 | 289 |
| Average total loans | $1,649,004,500 | 272 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 4,895 |
| Cost of funding earning assets | 0.7813% | 5,504 |
| Net interest margin | 3.8362% | 3,612 |
| Noninterest income to average assets | 1.0412% | 1,217 |
| Noninterest expense to average assets | 2.9065% | 3,998 |
| Loan and lease loss provision to assets | 2.3008% | 237 |
| Net operating income to assets | -0.6568% | 6,795 |
| Return on assets (ROA) | -0.6568% | 6,799 |
| Pretax return on assets | -0.6524% | 6,738 |
| Return on Equity (ROE) | -6.7931% | 6,819 |
| Retained earnings to average equity (ytd only) | -6.7931% | 6,711 |
| Net charge-offs to loans | 2.5767% | 443 |
| Credit loss provision to net charge-offs | 149.7899% | 2,048 |
| Earnings coverage of net charge-offs (x) | 1.0732% | 4,487 |
| Efficiency ratio | 63.2867% | 5,365 |
| Assets per employee ($millions) | 5.2676% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8602% | 455 |
| Loan loss allowance to noncurrent loans | 67.6186% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 4.8752% | 1,263 |
| Noncurrent loans to loans | 5.7087% | 1,080 |
| Net loans and leases to total assets | 55.0581% | 5,137 |
| Net loans and leases to deposits | 66.0294% | 4,994 |
| Net loans and leases to core deposits | 80.3088% | 3,746 |
| Total domestic deposits to total assets | 83.3842% | 4,591 |
| Equity capital to assets | 9.2092% | 5,268 |
| Core capital (leverage) ratio | 8.7129% | 5,204 |
| Tier 1 risk-based capital ratio | 11.4765% | 6,182 |
| Total risk-based capital ratio | 12.7482% | 6,156 |
| Memoranda: | ||
| Average total assets | $2,819,900,000 | 254 |
| Average earning assets | $2,582,841,330 | 248 |
| Average equity | $272,628,670 | 284 |
| Average total loans | $1,680,984,000 | 270 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 4,434 |
| Cost of funding earning assets | 0.8245% | 5,434 |
| Net interest margin | 3.8946% | 3,166 |
| Noninterest income to average assets | 0.9843% | 1,378 |
| Noninterest expense to average assets | 2.9450% | 3,872 |
| Loan and lease loss provision to assets | 1.2944% | 530 |
| Net operating income to assets | 0.3049% | 5,382 |
| Return on assets (ROA) | 0.3049% | 5,452 |
| Pretax return on assets | 0.3108% | 5,623 |
| Return on Equity (ROE) | 3.0776% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.0776% | 4,319 |
| Net charge-offs to loans | 1.6346% | 821 |
| Credit loss provision to net charge-offs | 130.1707% | 2,127 |
| Earnings coverage of net charge-offs (x) | 1.6143% | 3,506 |
| Efficiency ratio | 64.1918% | 5,331 |
| Assets per employee ($millions) | 5.0472% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2901% | 715 |
| Loan loss allowance to noncurrent loans | 57.9903% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 5.0566% | 1,241 |
| Noncurrent loans to loans | 5.6736% | 1,146 |
| Net loans and leases to total assets | 58.5023% | 4,555 |
| Net loans and leases to deposits | 71.1109% | 4,183 |
| Net loans and leases to core deposits | 82.8970% | 3,326 |
| Total domestic deposits to total assets | 82.2691% | 5,202 |
| Equity capital to assets | 9.9387% | 3,855 |
| Core capital (leverage) ratio | 9.2710% | 4,169 |
| Tier 1 risk-based capital ratio | 12.2447% | 5,481 |
| Total risk-based capital ratio | 13.5120% | 5,466 |
| Memoranda: | ||
| Average total assets | $2,781,259,000 | 259 |
| Average earning assets | $2,546,475,000 | 254 |
| Average equity | $275,539,000 | 277 |
| Average total loans | $1,691,886,000 | 276 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0219% | 4,440 |
| Cost of funding earning assets | 1.0601% | 5,368 |
| Net interest margin | 3.9617% | 3,203 |
| Noninterest income to average assets | 1.1173% | 1,183 |
| Noninterest expense to average assets | 3.0742% | 3,574 |
| Loan and lease loss provision to assets | 1.6746% | 849 |
| Net operating income to assets | 0.0324% | 5,748 |
| Return on assets (ROA) | 0.0452% | 5,851 |
| Pretax return on assets | 0.0495% | 5,796 |
| Return on Equity (ROE) | 0.4665% | 5,836 |
| Retained earnings to average equity (ytd only) | 0.4665% | 5,347 |
| Net charge-offs to loans | 2.1859% | 894 |
| Credit loss provision to net charge-offs | 121.0623% | 3,477 |
| Earnings coverage of net charge-offs (x) | 1.2363% | 4,867 |
| Efficiency ratio | 63.6961% | 5,401 |
| Assets per employee ($millions) | 4.9493% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1305% | 778 |
| Loan loss allowance to noncurrent loans | 59.1704% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 4.7174% | 1,393 |
| Noncurrent loans to loans | 5.2906% | 1,253 |
| Net loans and leases to total assets | 59.2558% | 4,797 |
| Net loans and leases to deposits | 72.8704% | 4,369 |
| Net loans and leases to core deposits | 82.8345% | 3,771 |
| Total domestic deposits to total assets | 81.3167% | 5,413 |
| Equity capital to assets | 9.8753% | 3,905 |
| Core capital (leverage) ratio | 8.9861% | 4,577 |
| Tier 1 risk-based capital ratio | 12.0415% | 5,435 |
| Total risk-based capital ratio | 13.3073% | 5,404 |
| Memoranda: | ||
| Average total assets | $2,836,560,200 | 252 |
| Average earning assets | $2,625,482,200 | 244 |
| Average equity | $274,614,000 | 275 |
| Average total loans | $1,794,922,200 | 265 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 4,547 |
| Cost of funding earning assets | 1.1022% | 5,404 |
| Net interest margin | 3.9567% | 3,301 |
| Noninterest income to average assets | 1.1138% | 1,131 |
| Noninterest expense to average assets | 2.8274% | 4,363 |
| Loan and lease loss provision to assets | 2.1518% | 525 |
| Net operating income to assets | -0.1985% | 6,320 |
| Return on assets (ROA) | -0.1799% | 6,368 |
| Pretax return on assets | -0.1758% | 6,299 |
| Return on Equity (ROE) | -1.8669% | 6,383 |
| Retained earnings to average equity (ytd only) | -1.8669% | 6,173 |
| Net charge-offs to loans | 2.6309% | 629 |
| Credit loss provision to net charge-offs | 128.2087% | 3,169 |
| Earnings coverage of net charge-offs (x) | 1.1662% | 4,898 |
| Efficiency ratio | 58.5138% | 6,184 |
| Assets per employee ($millions) | 5.3058% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1623% | 724 |
| Loan loss allowance to noncurrent loans | 58.8296% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 4.8280% | 1,360 |
| Noncurrent loans to loans | 5.3753% | 1,254 |
| Net loans and leases to total assets | 59.6870% | 4,968 |
| Net loans and leases to deposits | 73.7862% | 4,553 |
| Net loans and leases to core deposits | 85.0132% | 3,798 |
| Total domestic deposits to total assets | 80.8918% | 5,416 |
| Equity capital to assets | 9.8140% | 4,400 |
| Core capital (leverage) ratio | 8.8280% | 4,961 |
| Tier 1 risk-based capital ratio | 11.6491% | 5,790 |
| Total risk-based capital ratio | 12.9151% | 5,746 |
| Memoranda: | ||
| Average total assets | $2,850,321,500 | 250 |
| Average earning assets | $2,644,428,250 | 239 |
| Average equity | $274,597,000 | 269 |
| Average total loans | $1,818,284,750 | 264 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1235% | 4,329 |
| Cost of funding earning assets | 1.1419% | 5,452 |
| Net interest margin | 3.9816% | 3,107 |
| Noninterest income to average assets | 1.1156% | 1,050 |
| Noninterest expense to average assets | 2.8657% | 4,206 |
| Loan and lease loss provision to assets | 2.5894% | 431 |
| Net operating income to assets | -0.6508% | 6,778 |
| Return on assets (ROA) | -0.6199% | 6,781 |
| Pretax return on assets | -0.6122% | 6,667 |
| Return on Equity (ROE) | -6.4741% | 6,801 |
| Retained earnings to average equity (ytd only) | -6.4741% | 6,694 |
| Net charge-offs to loans | 1.7348% | 1,078 |
| Credit loss provision to net charge-offs | 231.4091% | 1,668 |
| Earnings coverage of net charge-offs (x) | 1.7393% | 4,212 |
| Efficiency ratio | 59.0747% | 6,204 |
| Assets per employee ($millions) | 5.1436% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6580% | 489 |
| Loan loss allowance to noncurrent loans | 87.8624% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 4.2125% | 1,599 |
| Noncurrent loans to loans | 4.1633% | 1,793 |
| Net loans and leases to total assets | 61.0111% | 4,872 |
| Net loans and leases to deposits | 75.6503% | 4,392 |
| Net loans and leases to core deposits | 87.1992% | 3,663 |
| Total domestic deposits to total assets | 80.6488% | 5,524 |
| Equity capital to assets | 9.4995% | 4,704 |
| Core capital (leverage) ratio | 8.6915% | 5,086 |
| Tier 1 risk-based capital ratio | 11.2772% | 5,965 |
| Total risk-based capital ratio | 12.5489% | 5,931 |
| Memoranda: | ||
| Average total assets | $2,857,758,670 | 252 |
| Average earning assets | $2,653,045,670 | 241 |
| Average equity | $273,615,330 | 269 |
| Average total loans | $1,843,355,000 | 262 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1882% | 4,088 |
| Cost of funding earning assets | 1.1551% | 5,635 |
| Net interest margin | 4.0331% | 2,724 |
| Noninterest income to average assets | 1.1267% | 982 |
| Noninterest expense to average assets | 2.9036% | 4,046 |
| Loan and lease loss provision to assets | 1.3278% | 904 |
| Net operating income to assets | 0.6365% | 3,722 |
| Return on assets (ROA) | 0.6970% | 3,568 |
| Pretax return on assets | 0.7100% | 4,197 |
| Return on Equity (ROE) | 7.2518% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.2518% | 2,028 |
| Net charge-offs to loans | 0.8364% | 1,860 |
| Credit loss provision to net charge-offs | 243.9024% | 1,575 |
| Earnings coverage of net charge-offs (x) | 3.6298% | 2,846 |
| Efficiency ratio | 59.0370% | 6,333 |
| Assets per employee ($millions) | 5.0586% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7051% | 1,080 |
| Loan loss allowance to noncurrent loans | 57.5129% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 4.1565% | 1,638 |
| Noncurrent loans to loans | 4.7035% | 1,571 |
| Net loans and leases to total assets | 63.6824% | 4,398 |
| Net loans and leases to deposits | 80.3271% | 3,596 |
| Net loans and leases to core deposits | 95.1065% | 2,689 |
| Total domestic deposits to total assets | 79.2789% | 6,014 |
| Equity capital to assets | 9.7936% | 4,122 |
| Core capital (leverage) ratio | 9.0830% | 4,407 |
| Tier 1 risk-based capital ratio | 11.7048% | 5,490 |
| Total risk-based capital ratio | 12.9674% | 5,422 |
| Memoranda: | ||
| Average total assets | $2,861,852,000 | 261 |
| Average earning assets | $2,663,030,500 | 251 |
| Average equity | $275,075,000 | 272 |
| Average total loans | $1,862,750,000 | 269 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2520% | 5,403 |
| Cost of funding earning assets | 1.3777% | 6,027 |
| Net interest margin | 3.8743% | 3,378 |
| Noninterest income to average assets | 0.9868% | 1,622 |
| Noninterest expense to average assets | 2.8249% | 4,862 |
| Loan and lease loss provision to assets | 1.5089% | 1,523 |
| Net operating income to assets | 0.2569% | 4,695 |
| Return on assets (ROA) | 0.3133% | 4,566 |
| Pretax return on assets | 0.3174% | 4,713 |
| Return on Equity (ROE) | 3.5888% | 4,257 |
| Retained earnings to average equity (ytd only) | 2.1983% | 3,570 |
| Net charge-offs to loans | 1.9012% | 1,302 |
| Credit loss provision to net charge-offs | 115.1863% | 4,737 |
| Earnings coverage of net charge-offs (x) | 1.3507% | 4,784 |
| Efficiency ratio | 60.9487% | 6,342 |
| Assets per employee ($millions) | 5.0718% | 2,123 |
| Cash dividends to net income (ytd only)* | 38.7448% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4262% | 1,323 |
| Loan loss allowance to noncurrent loans | 68.8389% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 3.2985% | 2,077 |
| Noncurrent loans to loans | 3.5244% | 2,156 |
| Net loans and leases to total assets | 63.1555% | 4,778 |
| Net loans and leases to deposits | 86.5384% | 2,817 |
| Net loans and leases to core deposits | 100.9139% | 3,910 |
| Total domestic deposits to total assets | 72.9798% | 7,153 |
| Equity capital to assets | 9.4304% | 4,512 |
| Core capital (leverage) ratio | 8.8804% | 4,622 |
| Tier 1 risk-based capital ratio | 11.1696% | 5,758 |
| Total risk-based capital ratio | 12.4284% | 5,699 |
| Memoranda: | ||
| Average total assets | $2,843,168,800 | 261 |
| Average earning assets | $2,647,419,000 | 251 |
| Average equity | $248,190,400 | 289 |
| Average total loans | $1,959,010,600 | 269 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1992% | 5,880 |
| Cost of funding earning assets | 1.4362% | 6,102 |
| Net interest margin | 3.7629% | 3,806 |
| Noninterest income to average assets | 0.9623% | 1,732 |
| Noninterest expense to average assets | 2.8522% | 4,657 |
| Loan and lease loss provision to assets | 1.4872% | 1,290 |
| Net operating income to assets | 0.1245% | 5,394 |
| Return on assets (ROA) | 0.2041% | 5,226 |
| Pretax return on assets | 0.2092% | 5,277 |
| Return on Equity (ROE) | 2.3866% | 5,030 |
| Retained earnings to average equity (ytd only) | 1.3428% | 4,569 |
| Net charge-offs to loans | 1.4613% | 1,408 |
| Credit loss provision to net charge-offs | 145.4704% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.5799% | 4,610 |
| Efficiency ratio | 63.3798% | 5,863 |
| Assets per employee ($millions) | 5.1658% | 1,941 |
| Cash dividends to net income (ytd only)* | 43.7385% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6026% | 963 |
| Loan loss allowance to noncurrent loans | 88.8386% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 2.8080% | 2,473 |
| Noncurrent loans to loans | 2.9295% | 2,604 |
| Net loans and leases to total assets | 63.6960% | 4,928 |
| Net loans and leases to deposits | 91.1033% | 2,377 |
| Net loans and leases to core deposits | 102.2422% | 4,131 |
| Total domestic deposits to total assets | 69.9162% | 7,421 |
| Equity capital to assets | 9.2019% | 5,161 |
| Core capital (leverage) ratio | 8.9040% | 4,806 |
| Tier 1 risk-based capital ratio | 11.1504% | 5,812 |
| Total risk-based capital ratio | 12.4118% | 5,741 |
| Memoranda: | ||
| Average total assets | $2,837,567,750 | 268 |
| Average earning assets | $2,643,080,750 | 266 |
| Average equity | $242,679,250 | 302 |
| Average total loans | $1,985,071,250 | 274 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 6,394 |
| Cost of funding earning assets | 1.5097% | 6,100 |
| Net interest margin | 3.5999% | 4,359 |
| Noninterest income to average assets | 1.0154% | 1,545 |
| Noninterest expense to average assets | 2.8852% | 4,559 |
| Loan and lease loss provision to assets | 1.6069% | 1,052 |
| Net operating income to assets | -0.1327% | 6,072 |
| Return on assets (ROA) | -0.0519% | 5,993 |
| Pretax return on assets | -0.0485% | 5,938 |
| Return on Equity (ROE) | -0.6226% | 6,018 |
| Retained earnings to average equity (ytd only) | -2.2407% | 5,798 |
| Net charge-offs to loans | 1.7911% | 1,056 |
| Credit loss provision to net charge-offs | 125.4431% | 3,704 |
| Earnings coverage of net charge-offs (x) | 1.1535% | 4,659 |
| Efficiency ratio | 65.6531% | 5,608 |
| Assets per employee ($millions) | 4.8740% | 2,230 |
| Cash dividends to net income (ytd only)* | -259.9179% | 8,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2526% | 1,164 |
| Loan loss allowance to noncurrent loans | 76.9088% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 2.6350% | 2,434 |
| Noncurrent loans to loans | 2.9289% | 2,453 |
| Net loans and leases to total assets | 67.5608% | 4,239 |
| Net loans and leases to deposits | 93.7747% | 2,124 |
| Net loans and leases to core deposits | 105.5139% | 3,896 |
| Total domestic deposits to total assets | 72.0458% | 7,237 |
| Equity capital to assets | 8.2509% | 6,414 |
| Core capital (leverage) ratio | 7.8398% | 6,564 |
| Tier 1 risk-based capital ratio | 9.7104% | 7,224 |
| Total risk-based capital ratio | 10.9686% | 7,160 |
| Memoranda: | ||
| Average total assets | $2,819,142,000 | 279 |
| Average earning assets | $2,621,368,670 | 272 |
| Average equity | $234,839,670 | 313 |
| Average total loans | $2,016,140,670 | 278 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9299% | 7,103 |
| Cost of funding earning assets | 1.5803% | 6,115 |
| Net interest margin | 3.3496% | 5,323 |
| Noninterest income to average assets | 1.0332% | 1,393 |
| Noninterest expense to average assets | 2.7918% | 4,589 |
| Loan and lease loss provision to assets | 1.1712% | 1,108 |
| Net operating income to assets | 0.1750% | 5,735 |
| Return on assets (ROA) | 0.3461% | 5,271 |
| Pretax return on assets | 0.3538% | 5,525 |
| Return on Equity (ROE) | 4.1351% | 4,873 |
| Retained earnings to average equity (ytd only) | 1.5909% | 4,960 |
| Net charge-offs to loans | 1.0517% | 1,288 |
| Credit loss provision to net charge-offs | 153.1465% | 2,728 |
| Earnings coverage of net charge-offs (x) | 1.7657% | 3,851 |
| Efficiency ratio | 66.8929% | 5,165 |
| Assets per employee ($millions) | 5.0503% | 2,017 |
| Cash dividends to net income (ytd only)* | 61.5258% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0780% | 1,276 |
| Loan loss allowance to noncurrent loans | 54.8977% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.7363% | 2,078 |
| Noncurrent loans to loans | 3.7851% | 1,628 |
| Net loans and leases to total assets | 68.9720% | 3,922 |
| Net loans and leases to deposits | 107.8181% | 738 |
| Net loans and leases to core deposits | 122.2110% | 2,234 |
| Total domestic deposits to total assets | 63.9707% | 7,843 |
| Equity capital to assets | 8.2327% | 6,493 |
| Core capital (leverage) ratio | 8.1386% | 6,207 |
| Tier 1 risk-based capital ratio | 9.6371% | 7,303 |
| Total risk-based capital ratio | 10.8940% | 7,227 |
| Memoranda: | ||
| Average total assets | $2,817,687,500 | 282 |
| Average earning assets | $2,615,224,500 | 277 |
| Average equity | $235,837,500 | 315 |
| Average total loans | $2,048,942,500 | 276 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8988% | 6,044 |
| Cost of funding earning assets | 2.3455% | 4,947 |
| Net interest margin | 3.5533% | 5,082 |
| Noninterest income to average assets | 1.0887% | 1,328 |
| Noninterest expense to average assets | 3.1546% | 3,499 |
| Loan and lease loss provision to assets | 1.5350% | 874 |
| Net operating income to assets | -0.3033% | 6,737 |
| Return on assets (ROA) | -0.2976% | 6,591 |
| Pretax return on assets | -0.2966% | 6,457 |
| Return on Equity (ROE) | -3.2385% | 6,649 |
| Retained earnings to average equity (ytd only) | -4.9336% | 6,501 |
| Net charge-offs to loans | 1.3144% | 904 |
| Credit loss provision to net charge-offs | 144.3579% | 3,662 |
| Earnings coverage of net charge-offs (x) | 1.1592% | 5,545 |
| Efficiency ratio | 70.9318% | 4,150 |
| Assets per employee ($millions) | 4.8359% | 2,135 |
| Cash dividends to net income (ytd only)* | -52.3427% | 8,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 1,405 |
| Loan loss allowance to noncurrent loans | 50.6638% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 2.9128% | 1,591 |
| Noncurrent loans to loans | 3.7575% | 1,328 |
| Net loans and leases to total assets | 73.6784% | 3,193 |
| Net loans and leases to deposits | 106.3039% | 1,097 |
| Net loans and leases to core deposits | 120.4635% | 2,643 |
| Total domestic deposits to total assets | 69.3092% | 7,351 |
| Equity capital to assets | 8.5137% | 6,062 |
| Core capital (leverage) ratio | 8.3001% | 5,950 |
| Tier 1 risk-based capital ratio | 9.4697% | 7,343 |
| Total risk-based capital ratio | 10.7248% | 7,254 |
| Memoranda: | ||
| Average total assets | $2,631,966,600 | 284 |
| Average earning assets | $2,443,269,400 | 280 |
| Average equity | $241,871,000 | 314 |
| Average total loans | $2,129,202,200 | 261 |