Home > First Community Bank > Performance and Condition Ratios
First Community 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 | 4.8642% | 2,353 |
| Cost of funding earning assets | 0.3433% | 4,343 |
| Net interest margin | 4.5208% | 598 |
| Noninterest income to average assets | 1.2400% | 479 |
| Noninterest expense to average assets | 3.0166% | 1,109 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.5041% | 1,009 |
| Return on assets (ROA) | 1.5034% | 982 |
| Pretax return on assets | 1.9407% | 733 |
| Return on Equity (ROE) | 11.2700% | 2,155 |
| Retained earnings to average equity (ytd only) | 0.5637% | 3,943 |
| Net charge-offs to loans | 0.1914% | 561 |
| Credit loss provision to net charge-offs | 175.2545% | 1,334 |
| Earnings coverage of net charge-offs (x) | 14.5674% | 2,074 |
| Efficiency ratio | 56.8870% | 3,407 |
| Assets per employee ($millions) | 5.2874% | 3,403 |
| Cash dividends to net income (ytd only)* | 94.9985% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,373 |
| Loan loss allowance to noncurrent loans | 185.9661% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 908 |
| Noncurrent loans to loans | 0.7565% | 1,034 |
| Net loans and leases to total assets | 78.2500% | 844 |
| Net loans and leases to deposits | 92.6600% | 1,045 |
| Net loans and leases to core deposits | 93.2937% | 1,822 |
| Total domestic deposits to total assets | 84.4500% | 2,485 |
| Equity capital to assets | 14.2150% | 643 |
| Core capital (leverage) ratio | 10.0690% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2228% | 1,791 |
| Memoranda: | ||
| Average total assets | $3,199,897,200 | 374 |
| Average earning assets | $2,809,739,400 | 382 |
| Average equity | $426,846,000 | 300 |
| Average total loans | $2,515,187,400 | 344 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 2,284 |
| Cost of funding earning assets | 0.2639% | 4,392 |
| Net interest margin | 4.5282% | 590 |
| Noninterest income to average assets | 1.2000% | 498 |
| Noninterest expense to average assets | 2.9005% | 1,229 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 1.5205% | 1,083 |
| Return on assets (ROA) | 1.5195% | 1,076 |
| Pretax return on assets | 1.9822% | 766 |
| Return on Equity (ROE) | 11.5800% | 2,230 |
| Retained earnings to average equity (ytd only) | 1.0042% | 3,948 |
| Net charge-offs to loans | 0.2096% | 421 |
| Credit loss provision to net charge-offs | 188.0946% | 1,160 |
| Earnings coverage of net charge-offs (x) | 13.8397% | 2,023 |
| Efficiency ratio | 55.0860% | 3,481 |
| Assets per employee ($millions) | 5.1930% | 3,437 |
| Cash dividends to net income (ytd only)* | 91.3317% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 1,487 |
| Loan loss allowance to noncurrent loans | 195.5550% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 1,023 |
| Noncurrent loans to loans | 0.7104% | 1,165 |
| Net loans and leases to total assets | 78.4200% | 832 |
| Net loans and leases to deposits | 92.6927% | 1,000 |
| Net loans and leases to core deposits | 93.2681% | 1,715 |
| Total domestic deposits to total assets | 84.6000% | 2,622 |
| Equity capital to assets | 13.9527% | 662 |
| Core capital (leverage) ratio | 9.8890% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1541% | 1,837 |
| Memoranda: | ||
| Average total assets | $3,189,580,750 | 381 |
| Average earning assets | $2,802,388,000 | 385 |
| Average equity | $418,374,750 | 309 |
| Average total loans | $2,500,909,750 | 347 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 2,303 |
| Cost of funding earning assets | 0.1998% | 4,430 |
| Net interest margin | 4.4504% | 654 |
| Noninterest income to average assets | 1.1700% | 459 |
| Noninterest expense to average assets | 2.9159% | 1,182 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | 1.3706% | 1,400 |
| Return on assets (ROA) | 1.3692% | 1,386 |
| Pretax return on assets | 1.7954% | 1,017 |
| Return on Equity (ROE) | 10.6700% | 2,512 |
| Retained earnings to average equity (ytd only) | -1.2443% | 4,237 |
| Net charge-offs to loans | 0.2000% | 401 |
| Credit loss provision to net charge-offs | 246.1134% | 964 |
| Earnings coverage of net charge-offs (x) | 13.8842% | 1,894 |
| Efficiency ratio | 56.5521% | 3,348 |
| Assets per employee ($millions) | 5.2620% | 3,352 |
| Cash dividends to net income (ytd only)* | 111.6597% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 1,606 |
| Loan loss allowance to noncurrent loans | 194.1972% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 960 |
| Noncurrent loans to loans | 0.7107% | 1,049 |
| Net loans and leases to total assets | 77.0000% | 943 |
| Net loans and leases to deposits | 90.3867% | 1,159 |
| Net loans and leases to core deposits | 91.0104% | 1,736 |
| Total domestic deposits to total assets | 85.1900% | 2,491 |
| Equity capital to assets | 13.4745% | 724 |
| Core capital (leverage) ratio | 9.6890% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7566% | 2,004 |
| Memoranda: | ||
| Average total assets | $3,165,706,000 | 372 |
| Average earning assets | $2,786,197,000 | 377 |
| Average equity | $406,157,667 | 305 |
| Average total loans | $2,470,055,667 | 337 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 2,517 |
| Cost of funding earning assets | 0.1143% | 4,514 |
| Net interest margin | 4.3008% | 805 |
| Noninterest income to average assets | 1.1800% | 450 |
| Noninterest expense to average assets | 2.7669% | 1,514 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.5222% | 1,137 |
| Return on assets (ROA) | 1.5222% | 1,117 |
| Pretax return on assets | 1.9948% | 786 |
| Return on Equity (ROE) | 12.2000% | 2,166 |
| Retained earnings to average equity (ytd only) | -0.9576% | 4,122 |
| Net charge-offs to loans | 0.2908% | 272 |
| Credit loss provision to net charge-offs | 113.3831% | 1,053 |
| Earnings coverage of net charge-offs (x) | 9.7944% | 1,677 |
| Efficiency ratio | 54.8527% | 3,521 |
| Assets per employee ($millions) | 5.0121% | 3,651 |
| Cash dividends to net income (ytd only)* | 107.8490% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,089 |
| Loan loss allowance to noncurrent loans | 197.6187% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 978 |
| Noncurrent loans to loans | 0.6522% | 1,156 |
| Net loans and leases to total assets | 77.8900% | 774 |
| Net loans and leases to deposits | 90.5798% | 1,006 |
| Net loans and leases to core deposits | 91.2140% | 1,546 |
| Total domestic deposits to total assets | 86.0000% | 2,590 |
| Equity capital to assets | 12.6787% | 833 |
| Core capital (leverage) ratio | 9.0132% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9701% | 2,399 |
| Memoranda: | ||
| Average total assets | $3,069,971,000 | 391 |
| Average earning assets | $2,718,556,500 | 395 |
| Average equity | $383,055,000 | 324 |
| Average total loans | $2,394,547,000 | 355 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 1,575 |
| Cost of funding earning assets | 0.0585% | 4,553 |
| Net interest margin | 3.9950% | 791 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 2.6535% | 1,669 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.4859% | 912 |
| Return on assets (ROA) | 1.4859% | 877 |
| Pretax return on assets | 1.9172% | 559 |
| Return on Equity (ROE) | 12.1100% | 2,099 |
| Retained earnings to average equity (ytd only) | -2.3011% | 4,500 |
| Net charge-offs to loans | 0.1688% | 494 |
| Credit loss provision to net charge-offs | 169.6438% | 1,217 |
| Earnings coverage of net charge-offs (x) | 17.4391% | 1,957 |
| Efficiency ratio | 54.5921% | 3,737 |
| Assets per employee ($millions) | 5.1194% | 3,579 |
| Cash dividends to net income (ytd only)* | 119.0023% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,023 |
| Loan loss allowance to noncurrent loans | 199.0489% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 986 |
| Noncurrent loans to loans | 0.6396% | 1,156 |
| Net loans and leases to total assets | 76.1300% | 993 |
| Net loans and leases to deposits | 87.9011% | 1,178 |
| Net loans and leases to core deposits | 88.4000% | 1,588 |
| Total domestic deposits to total assets | 86.6100% | 2,531 |
| Equity capital to assets | 12.2818% | 856 |
| Core capital (leverage) ratio | 8.7880% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9401% | 2,395 |
| Memoranda: | ||
| Average total assets | $3,181,041,600 | 375 |
| Average earning assets | $2,828,798,400 | 379 |
| Average equity | $390,341,000 | 313 |
| Average total loans | $2,294,518,600 | 339 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 1,437 |
| Cost of funding earning assets | 0.0604% | 4,529 |
| Net interest margin | 3.8591% | 869 |
| Noninterest income to average assets | 1.2200% | 496 |
| Noninterest expense to average assets | 2.6340% | 1,637 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4423% | 970 |
| Return on assets (ROA) | 1.4423% | 949 |
| Pretax return on assets | 1.8847% | 604 |
| Return on Equity (ROE) | 11.7600% | 2,114 |
| Retained earnings to average equity (ytd only) | -2.8045% | 4,527 |
| Net charge-offs to loans | 0.0956% | 648 |
| Credit loss provision to net charge-offs | 194.0959% | 993 |
| Earnings coverage of net charge-offs (x) | 29.7442% | 1,523 |
| Efficiency ratio | 55.6713% | 3,654 |
| Assets per employee ($millions) | 5.1285% | 3,565 |
| Cash dividends to net income (ytd only)* | 123.8547% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,295 |
| Loan loss allowance to noncurrent loans | 190.4108% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 1,075 |
| Noncurrent loans to loans | 0.6532% | 1,249 |
| Net loans and leases to total assets | 74.2200% | 1,076 |
| Net loans and leases to deposits | 85.7606% | 1,186 |
| Net loans and leases to core deposits | 86.3704% | 1,509 |
| Total domestic deposits to total assets | 86.5500% | 2,904 |
| Equity capital to assets | 12.0794% | 872 |
| Core capital (leverage) ratio | 8.5339% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9476% | 2,494 |
| Memoranda: | ||
| Average total assets | $3,198,147,500 | 370 |
| Average earning assets | $2,845,249,500 | 377 |
| Average equity | $392,354,750 | 313 |
| Average total loans | $2,268,099,000 | 337 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 1,398 |
| Cost of funding earning assets | 0.0635% | 4,502 |
| Net interest margin | 3.6968% | 916 |
| Noninterest income to average assets | 1.1572% | 510 |
| Noninterest expense to average assets | 2.5808% | 1,696 |
| Loan and lease loss provision to assets | 0.1537% | 613 |
| Net operating income to assets | 1.3127% | 1,103 |
| Return on assets (ROA) | 1.3127% | 1,084 |
| Pretax return on assets | 1.7137% | 730 |
| Return on Equity (ROE) | 10.6466% | 2,116 |
| Retained earnings to average equity (ytd only) | -5.2905% | 4,555 |
| Net charge-offs to loans | 0.0519% | 879 |
| Credit loss provision to net charge-offs | 426.0345% | 681 |
| Earnings coverage of net charge-offs (x) | 51.7759% | 1,146 |
| Efficiency ratio | 57.0170% | 3,681 |
| Assets per employee ($millions) | 5.2070% | 3,507 |
| Cash dividends to net income (ytd only)* | 149.6921% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,218 |
| Loan loss allowance to noncurrent loans | 165.6680% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 984 |
| Noncurrent loans to loans | 0.7808% | 1,096 |
| Net loans and leases to total assets | 70.0895% | 1,291 |
| Net loans and leases to deposits | 80.8473% | 1,325 |
| Net loans and leases to core deposits | 81.4625% | 1,627 |
| Total domestic deposits to total assets | 86.6937% | 3,038 |
| Equity capital to assets | 11.8831% | 915 |
| Core capital (leverage) ratio | 8.3988% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1780% | 2,425 |
| Memoranda: | ||
| Average total assets | $3,216,281,667 | 365 |
| Average earning assets | $2,863,240,667 | 373 |
| Average equity | $396,557,667 | 310 |
| Average total loans | $2,236,554,333 | 333 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 1,478 |
| Cost of funding earning assets | 0.0681% | 4,470 |
| Net interest margin | 3.5429% | 999 |
| Noninterest income to average assets | 1.2065% | 483 |
| Noninterest expense to average assets | 2.5591% | 1,722 |
| Loan and lease loss provision to assets | 0.2447% | 270 |
| Net operating income to assets | 1.1940% | 1,260 |
| Return on assets (ROA) | 1.1940% | 1,256 |
| Pretax return on assets | 1.5571% | 908 |
| Return on Equity (ROE) | 9.5099% | 2,148 |
| Retained earnings to average equity (ytd only) | -1.0268% | 4,146 |
| Net charge-offs to loans | 0.1520% | 387 |
| Credit loss provision to net charge-offs | 234.0095% | 739 |
| Earnings coverage of net charge-offs (x) | 17.2279% | 1,325 |
| Efficiency ratio | 57.6613% | 3,717 |
| Assets per employee ($millions) | 5.2887% | 3,496 |
| Cash dividends to net income (ytd only)* | 110.7975% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,407 |
| Loan loss allowance to noncurrent loans | 141.4604% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 889 |
| Noncurrent loans to loans | 0.9128% | 1,005 |
| Net loans and leases to total assets | 68.6678% | 1,141 |
| Net loans and leases to deposits | 79.5326% | 1,178 |
| Net loans and leases to core deposits | 80.1971% | 1,463 |
| Total domestic deposits to total assets | 86.3392% | 3,155 |
| Equity capital to assets | 12.3811% | 837 |
| Core capital (leverage) ratio | 8.8409% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8685% | 2,270 |
| Memoranda: | ||
| Average total assets | $3,205,030,000 | 367 |
| Average earning assets | $2,853,580,000 | 382 |
| Average equity | $402,402,500 | 315 |
| Average total loans | $2,204,932,500 | 337 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 1,781 |
| Cost of funding earning assets | 0.1027% | 4,363 |
| Net interest margin | 3.7330% | 1,135 |
| Noninterest income to average assets | 1.1730% | 770 |
| Noninterest expense to average assets | 2.5808% | 1,921 |
| Loan and lease loss provision to assets | -0.2716% | 4,760 |
| Net operating income to assets | 1.6641% | 688 |
| Return on assets (ROA) | 1.6641% | 719 |
| Pretax return on assets | 2.1679% | 443 |
| Return on Equity (ROE) | 12.7098% | 1,564 |
| Retained earnings to average equity (ytd only) | -0.3196% | 4,532 |
| Net charge-offs to loans | 0.1370% | 681 |
| Credit loss provision to net charge-offs | -286.1824% | 3,601 |
| Earnings coverage of net charge-offs (x) | 19.9777% | 1,864 |
| Efficiency ratio | 56.6096% | 3,626 |
| Assets per employee ($millions) | 5.2454% | 3,521 |
| Cash dividends to net income (ytd only)* | 102.5147% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 2,427 |
| Loan loss allowance to noncurrent loans | 133.5795% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 930 |
| Noncurrent loans to loans | 0.9630% | 1,042 |
| Net loans and leases to total assets | 67.1407% | 1,358 |
| Net loans and leases to deposits | 78.1007% | 1,391 |
| Net loans and leases to core deposits | 78.8828% | 1,686 |
| Total domestic deposits to total assets | 85.9668% | 2,924 |
| Equity capital to assets | 12.7319% | 984 |
| Core capital (leverage) ratio | 8.9393% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6150% | 2,012 |
| Memoranda: | ||
| Average total assets | $3,118,484,600 | 361 |
| Average earning assets | $2,760,161,200 | 372 |
| Average equity | $408,308,200 | 312 |
| Average total loans | $2,160,935,000 | 343 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 1,801 |
| Cost of funding earning assets | 0.1087% | 4,433 |
| Net interest margin | 3.7768% | 1,162 |
| Noninterest income to average assets | 1.1533% | 861 |
| Noninterest expense to average assets | 2.5086% | 2,097 |
| Loan and lease loss provision to assets | -0.3277% | 4,835 |
| Net operating income to assets | 1.7717% | 705 |
| Return on assets (ROA) | 1.7717% | 740 |
| Pretax return on assets | 2.3108% | 457 |
| Return on Equity (ROE) | 13.4363% | 1,561 |
| Retained earnings to average equity (ytd only) | 0.3002% | 4,521 |
| Net charge-offs to loans | 0.1103% | 694 |
| Credit loss provision to net charge-offs | -426.6928% | 3,601 |
| Earnings coverage of net charge-offs (x) | 25.8198% | 1,609 |
| Efficiency ratio | 54.8141% | 3,691 |
| Assets per employee ($millions) | 5.2412% | 3,462 |
| Cash dividends to net income (ytd only)* | 97.7657% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 2,068 |
| Loan loss allowance to noncurrent loans | 135.3615% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 986 |
| Noncurrent loans to loans | 1.0256% | 1,114 |
| Net loans and leases to total assets | 67.7114% | 1,353 |
| Net loans and leases to deposits | 79.0301% | 1,379 |
| Net loans and leases to core deposits | 79.9196% | 1,738 |
| Total domestic deposits to total assets | 85.6780% | 2,880 |
| Equity capital to assets | 12.9692% | 989 |
| Core capital (leverage) ratio | 9.1017% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7997% | 2,046 |
| Memoranda: | ||
| Average total assets | $3,102,123,750 | 369 |
| Average earning assets | $2,742,002,750 | 379 |
| Average equity | $409,041,750 | 311 |
| Average total loans | $2,159,776,500 | 346 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 1,666 |
| Cost of funding earning assets | 0.1167% | 4,461 |
| Net interest margin | 3.8389% | 1,084 |
| Noninterest income to average assets | 1.1236% | 898 |
| Noninterest expense to average assets | 2.5318% | 2,045 |
| Loan and lease loss provision to assets | -0.4031% | 4,881 |
| Net operating income to assets | 1.8291% | 668 |
| Return on assets (ROA) | 1.8291% | 700 |
| Pretax return on assets | 2.3842% | 420 |
| Return on Equity (ROE) | 13.7948% | 1,479 |
| Retained earnings to average equity (ytd only) | 1.3525% | 4,267 |
| Net charge-offs to loans | 0.1111% | 692 |
| Credit loss provision to net charge-offs | -518.8177% | 3,475 |
| Earnings coverage of net charge-offs (x) | 25.4971% | 1,405 |
| Efficiency ratio | 55.0734% | 3,666 |
| Assets per employee ($millions) | 5.1218% | 3,536 |
| Cash dividends to net income (ytd only)* | 90.1952% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 1,659 |
| Loan loss allowance to noncurrent loans | 130.5026% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8237% | 967 |
| Noncurrent loans to loans | 1.1334% | 1,068 |
| Net loans and leases to total assets | 67.9154% | 1,452 |
| Net loans and leases to deposits | 79.1670% | 1,503 |
| Net loans and leases to core deposits | 80.0863% | 1,882 |
| Total domestic deposits to total assets | 85.7875% | 2,809 |
| Equity capital to assets | 13.0724% | 926 |
| Core capital (leverage) ratio | 9.1060% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8963% | 2,002 |
| Memoranda: | ||
| Average total assets | $3,091,424,000 | 365 |
| Average earning assets | $2,729,338,667 | 379 |
| Average equity | $409,894,667 | 304 |
| Average total loans | $2,162,334,333 | 344 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 1,546 |
| Cost of funding earning assets | 0.1281% | 4,472 |
| Net interest margin | 3.9013% | 986 |
| Noninterest income to average assets | 1.0146% | 1,105 |
| Noninterest expense to average assets | 2.5099% | 2,150 |
| Loan and lease loss provision to assets | -0.5205% | 4,922 |
| Net operating income to assets | 1.8920% | 674 |
| Return on assets (ROA) | 1.8920% | 723 |
| Pretax return on assets | 2.4631% | 461 |
| Return on Equity (ROE) | 14.1684% | 1,401 |
| Retained earnings to average equity (ytd only) | 3.4532% | 3,646 |
| Net charge-offs to loans | 0.1338% | 559 |
| Credit loss provision to net charge-offs | -551.8621% | 3,202 |
| Earnings coverage of net charge-offs (x) | 20.5986% | 1,245 |
| Efficiency ratio | 55.3274% | 3,630 |
| Assets per employee ($millions) | 5.0554% | 3,591 |
| Cash dividends to net income (ytd only)* | 75.6274% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 1,263 |
| Loan loss allowance to noncurrent loans | 131.5383% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8924% | 971 |
| Noncurrent loans to loans | 1.2241% | 1,078 |
| Net loans and leases to total assets | 67.2760% | 1,623 |
| Net loans and leases to deposits | 78.6506% | 1,652 |
| Net loans and leases to core deposits | 79.7085% | 2,030 |
| Total domestic deposits to total assets | 85.5378% | 2,917 |
| Equity capital to assets | 13.0312% | 905 |
| Core capital (leverage) ratio | 9.4616% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9497% | 1,909 |
| Memoranda: | ||
| Average total assets | $3,074,990,500 | 366 |
| Average earning assets | $2,709,776,000 | 378 |
| Average equity | $410,632,000 | 304 |
| Average total loans | $2,166,636,000 | 345 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 1,182 |
| Cost of funding earning assets | 0.2171% | 4,522 |
| Net interest margin | 4.3382% | 472 |
| Noninterest income to average assets | 1.0842% | 907 |
| Noninterest expense to average assets | 2.7922% | 1,962 |
| Loan and lease loss provision to assets | 0.4386% | 651 |
| Net operating income to assets | 1.2703% | 1,333 |
| Return on assets (ROA) | 1.2808% | 1,404 |
| Pretax return on assets | 1.6464% | 964 |
| Return on Equity (ROE) | 9.1629% | 2,333 |
| Retained earnings to average equity (ytd only) | 3.2903% | 3,183 |
| Net charge-offs to loans | 0.2289% | 762 |
| Credit loss provision to net charge-offs | 257.9515% | 1,897 |
| Earnings coverage of net charge-offs (x) | 12.1843% | 2,349 |
| Efficiency ratio | 56.3747% | 3,940 |
| Assets per employee ($millions) | 4.9032% | 3,502 |
| Cash dividends to net income (ytd only)* | 64.0915% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,965 |
| Loan loss allowance to noncurrent loans | 117.4186% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8098% | 1,261 |
| Noncurrent loans to loans | 1.0197% | 1,393 |
| Net loans and leases to total assets | 71.7624% | 1,318 |
| Net loans and leases to deposits | 84.5135% | 1,408 |
| Net loans and leases to core deposits | 85.7184% | 1,893 |
| Total domestic deposits to total assets | 84.9123% | 2,802 |
| Equity capital to assets | 13.6905% | 878 |
| Core capital (leverage) ratio | 9.7301% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8188% | 1,916 |
| Memoranda: | ||
| Average total assets | $2,888,305,000 | 356 |
| Average earning assets | $2,516,498,400 | 366 |
| Average equity | $403,735,400 | 294 |
| Average total loans | $2,145,941,600 | 334 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 1,304 |
| Cost of funding earning assets | 0.2379% | 4,542 |
| Net interest margin | 4.3627% | 507 |
| Noninterest income to average assets | 1.0776% | 899 |
| Noninterest expense to average assets | 2.8207% | 1,916 |
| Loan and lease loss provision to assets | 0.5615% | 475 |
| Net operating income to assets | 1.1618% | 1,775 |
| Return on assets (ROA) | 1.1760% | 1,846 |
| Pretax return on assets | 1.5067% | 1,434 |
| Return on Equity (ROE) | 8.3674% | 2,662 |
| Retained earnings to average equity (ytd only) | 2.1246% | 3,884 |
| Net charge-offs to loans | 0.1986% | 770 |
| Credit loss provision to net charge-offs | 378.1898% | 1,524 |
| Earnings coverage of net charge-offs (x) | 13.8099% | 2,180 |
| Efficiency ratio | 56.8688% | 3,810 |
| Assets per employee ($millions) | 4.6783% | 3,624 |
| Cash dividends to net income (ytd only)* | 74.6082% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,432 |
| Loan loss allowance to noncurrent loans | 109.9923% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 1,254 |
| Noncurrent loans to loans | 1.1298% | 1,341 |
| Net loans and leases to total assets | 73.5489% | 1,429 |
| Net loans and leases to deposits | 86.6498% | 1,625 |
| Net loans and leases to core deposits | 87.9015% | 2,155 |
| Total domestic deposits to total assets | 84.8806% | 2,488 |
| Equity capital to assets | 13.7737% | 914 |
| Core capital (leverage) ratio | 9.5721% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4613% | 2,013 |
| Memoranda: | ||
| Average total assets | $2,857,741,250 | 347 |
| Average earning assets | $2,484,743,500 | 360 |
| Average equity | $401,629,000 | 294 |
| Average total loans | $2,135,769,000 | 330 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 1,406 |
| Cost of funding earning assets | 0.2671% | 4,573 |
| Net interest margin | 4.4331% | 577 |
| Noninterest income to average assets | 1.0500% | 901 |
| Noninterest expense to average assets | 2.8916% | 1,848 |
| Loan and lease loss provision to assets | 0.5185% | 667 |
| Net operating income to assets | 1.1575% | 1,769 |
| Return on assets (ROA) | 1.1790% | 1,833 |
| Pretax return on assets | 1.5088% | 1,434 |
| Return on Equity (ROE) | 8.3316% | 2,620 |
| Retained earnings to average equity (ytd only) | 1.3849% | 3,976 |
| Net charge-offs to loans | 0.1888% | 807 |
| Credit loss provision to net charge-offs | 366.9169% | 1,474 |
| Earnings coverage of net charge-offs (x) | 14.1537% | 1,957 |
| Efficiency ratio | 58.0713% | 3,675 |
| Assets per employee ($millions) | 4.6069% | 3,641 |
| Cash dividends to net income (ytd only)* | 83.3783% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 2,986 |
| Loan loss allowance to noncurrent loans | 94.8272% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 1,326 |
| Noncurrent loans to loans | 1.1725% | 1,335 |
| Net loans and leases to total assets | 71.6680% | 1,774 |
| Net loans and leases to deposits | 84.2959% | 1,969 |
| Net loans and leases to core deposits | 85.7017% | 2,462 |
| Total domestic deposits to total assets | 85.0196% | 2,394 |
| Equity capital to assets | 13.6502% | 944 |
| Core capital (leverage) ratio | 9.6974% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4119% | 2,030 |
| Memoranda: | ||
| Average total assets | $2,827,882,667 | 344 |
| Average earning assets | $2,450,576,000 | 360 |
| Average equity | $400,186,667 | 293 |
| Average total loans | $2,116,027,000 | 328 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 1,029 |
| Cost of funding earning assets | 0.3062% | 4,641 |
| Net interest margin | 4.6606% | 368 |
| Noninterest income to average assets | 1.0814% | 723 |
| Noninterest expense to average assets | 3.1422% | 1,540 |
| Loan and lease loss provision to assets | 0.5058% | 582 |
| Net operating income to assets | 1.1328% | 1,745 |
| Return on assets (ROA) | 1.1767% | 1,715 |
| Pretax return on assets | 1.5077% | 1,285 |
| Return on Equity (ROE) | 8.1614% | 2,447 |
| Retained earnings to average equity (ytd only) | -0.8600% | 4,122 |
| Net charge-offs to loans | 0.1497% | 859 |
| Credit loss provision to net charge-offs | 444.1624% | 946 |
| Earnings coverage of net charge-offs (x) | 17.1916% | 1,502 |
| Efficiency ratio | 60.5872% | 3,666 |
| Assets per employee ($millions) | 4.1870% | 3,676 |
| Cash dividends to net income (ytd only)* | 110.5380% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,664 |
| Loan loss allowance to noncurrent loans | 101.9289% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 1,580 |
| Noncurrent loans to loans | 0.9890% | 1,671 |
| Net loans and leases to total assets | 75.7993% | 1,333 |
| Net loans and leases to deposits | 90.3707% | 1,464 |
| Net loans and leases to core deposits | 92.0379% | 2,151 |
| Total domestic deposits to total assets | 83.8760% | 2,826 |
| Equity capital to assets | 14.5641% | 871 |
| Core capital (leverage) ratio | 10.1053% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9593% | 2,300 |
| Memoranda: | ||
| Average total assets | $2,767,624,500 | 339 |
| Average earning assets | $2,386,489,500 | 355 |
| Average equity | $399,048,500 | 295 |
| Average total loans | $2,105,632,000 | 319 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6589% | 2,440 |
| Cost of funding earning assets | 0.2694% | 4,805 |
| Net interest margin | 4.3895% | 911 |
| Noninterest income to average assets | 1.4571% | 439 |
| Noninterest expense to average assets | 2.9757% | 2,075 |
| Loan and lease loss provision to assets | 0.1528% | 1,380 |
| Net operating income to assets | 1.6919% | 668 |
| Return on assets (ROA) | 1.6904% | 720 |
| Pretax return on assets | 2.1727% | 400 |
| Return on Equity (ROE) | 11.9606% | 1,531 |
| Retained earnings to average equity (ytd only) | 0.3037% | 4,605 |
| Net charge-offs to loans | 0.1887% | 1,073 |
| Credit loss provision to net charge-offs | 104.6294% | 2,367 |
| Earnings coverage of net charge-offs (x) | 15.9352% | 2,202 |
| Efficiency ratio | 55.3085% | 4,292 |
| Assets per employee ($millions) | 5.3074% | 2,239 |
| Cash dividends to net income (ytd only)* | 97.4610% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 4,076 |
| Loan loss allowance to noncurrent loans | 111.6667% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7318% | 1,772 |
| Noncurrent loans to loans | 0.7803% | 1,947 |
| Net loans and leases to total assets | 74.9420% | 1,599 |
| Net loans and leases to deposits | 89.0482% | 1,693 |
| Net loans and leases to core deposits | 91.1189% | 2,311 |
| Total domestic deposits to total assets | 84.1589% | 2,803 |
| Equity capital to assets | 14.2759% | 1,010 |
| Core capital (leverage) ratio | 12.6135% | 1,423 |
| Tier 1 risk-based capital ratio | 12.8699% | 3,860 |
| Total risk-based capital ratio | 13.7757% | 3,937 |
| Memoranda: | ||
| Average total assets | $2,336,858,800 | 369 |
| Average earning assets | $2,047,470,200 | 382 |
| Average equity | $330,275,200 | 322 |
| Average total loans | $1,808,262,000 | 353 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 1,785 |
| Cost of funding earning assets | 0.2870% | 4,823 |
| Net interest margin | 4.6239% | 586 |
| Noninterest income to average assets | 1.5006% | 404 |
| Noninterest expense to average assets | 3.0471% | 1,841 |
| Loan and lease loss provision to assets | 0.2088% | 840 |
| Net operating income to assets | 1.8000% | 618 |
| Return on assets (ROA) | 1.7980% | 651 |
| Pretax return on assets | 2.3047% | 367 |
| Return on Equity (ROE) | 12.7622% | 1,366 |
| Retained earnings to average equity (ytd only) | 0.1968% | 4,730 |
| Net charge-offs to loans | 0.2505% | 705 |
| Credit loss provision to net charge-offs | 106.9453% | 2,135 |
| Earnings coverage of net charge-offs (x) | 12.8854% | 2,328 |
| Efficiency ratio | 53.9674% | 4,397 |
| Assets per employee ($millions) | 4.2267% | 3,579 |
| Cash dividends to net income (ytd only)* | 98.4581% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,071 |
| Loan loss allowance to noncurrent loans | 108.4570% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 1,537 |
| Noncurrent loans to loans | 1.0066% | 1,587 |
| Net loans and leases to total assets | 76.0827% | 1,467 |
| Net loans and leases to deposits | 90.3522% | 1,656 |
| Net loans and leases to core deposits | 92.4117% | 2,326 |
| Total domestic deposits to total assets | 84.2067% | 2,748 |
| Equity capital to assets | 14.2282% | 1,064 |
| Core capital (leverage) ratio | 10.3224% | 3,289 |
| Tier 1 risk-based capital ratio | 13.2227% | 3,729 |
| Total risk-based capital ratio | 14.3556% | 3,702 |
| Memoranda: | ||
| Average total assets | $2,221,828,000 | 389 |
| Average earning assets | $1,952,129,750 | 406 |
| Average equity | $313,020,500 | 336 |
| Average total loans | $1,731,692,750 | 369 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 1,704 |
| Cost of funding earning assets | 0.2876% | 4,854 |
| Net interest margin | 4.6296% | 581 |
| Noninterest income to average assets | 1.5268% | 390 |
| Noninterest expense to average assets | 2.9881% | 2,036 |
| Loan and lease loss provision to assets | 0.2518% | 606 |
| Net operating income to assets | 1.8436% | 546 |
| Return on assets (ROA) | 1.8405% | 573 |
| Pretax return on assets | 2.3557% | 311 |
| Return on Equity (ROE) | 13.1069% | 1,204 |
| Retained earnings to average equity (ytd only) | 0.9632% | 4,447 |
| Net charge-offs to loans | 0.2903% | 589 |
| Credit loss provision to net charge-offs | 110.7820% | 1,840 |
| Earnings coverage of net charge-offs (x) | 11.4909% | 2,202 |
| Efficiency ratio | 52.5710% | 4,609 |
| Assets per employee ($millions) | 4.2894% | 3,447 |
| Cash dividends to net income (ytd only)* | 92.6513% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,200 |
| Loan loss allowance to noncurrent loans | 111.6329% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 1,495 |
| Noncurrent loans to loans | 0.9652% | 1,690 |
| Net loans and leases to total assets | 77.0558% | 1,379 |
| Net loans and leases to deposits | 91.4716% | 1,562 |
| Net loans and leases to core deposits | 93.5780% | 2,273 |
| Total domestic deposits to total assets | 84.2401% | 2,769 |
| Equity capital to assets | 14.2275% | 1,040 |
| Core capital (leverage) ratio | 10.2466% | 3,342 |
| Tier 1 risk-based capital ratio | 13.1469% | 3,761 |
| Total risk-based capital ratio | 14.2721% | 3,728 |
| Memoranda: | ||
| Average total assets | $2,228,394,000 | 387 |
| Average earning assets | $1,960,262,000 | 400 |
| Average equity | $312,919,330 | 339 |
| Average total loans | $1,744,279,670 | 370 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 1,860 |
| Cost of funding earning assets | 0.2894% | 4,876 |
| Net interest margin | 4.5265% | 701 |
| Noninterest income to average assets | 1.4507% | 407 |
| Noninterest expense to average assets | 2.9845% | 2,035 |
| Loan and lease loss provision to assets | 0.2180% | 718 |
| Net operating income to assets | 1.7508% | 660 |
| Return on assets (ROA) | 1.7508% | 679 |
| Pretax return on assets | 2.2312% | 415 |
| Return on Equity (ROE) | 12.5496% | 1,369 |
| Retained earnings to average equity (ytd only) | 0.3792% | 4,458 |
| Net charge-offs to loans | 0.2834% | 523 |
| Credit loss provision to net charge-offs | 98.0707% | 1,647 |
| Earnings coverage of net charge-offs (x) | 11.0161% | 1,927 |
| Efficiency ratio | 54.1164% | 4,524 |
| Assets per employee ($millions) | 4.3233% | 3,458 |
| Cash dividends to net income (ytd only)* | 96.9784% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,405 |
| Loan loss allowance to noncurrent loans | 96.3352% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 1,361 |
| Noncurrent loans to loans | 1.0901% | 1,525 |
| Net loans and leases to total assets | 76.7571% | 1,360 |
| Net loans and leases to deposits | 90.8439% | 1,522 |
| Net loans and leases to core deposits | 92.8846% | 2,220 |
| Total domestic deposits to total assets | 84.4933% | 2,850 |
| Equity capital to assets | 13.9644% | 1,051 |
| Core capital (leverage) ratio | 10.1919% | 3,394 |
| Tier 1 risk-based capital ratio | 12.8604% | 3,950 |
| Total risk-based capital ratio | 13.9473% | 3,934 |
| Memoranda: | ||
| Average total assets | $2,238,064,500 | 387 |
| Average earning assets | $1,969,388,000 | 399 |
| Average equity | $312,233,000 | 338 |
| Average total loans | $1,756,047,500 | 368 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 1,548 |
| Cost of funding earning assets | 0.3619% | 4,207 |
| Net interest margin | 4.4368% | 867 |
| Noninterest income to average assets | 1.1726% | 677 |
| Noninterest expense to average assets | 2.9404% | 2,214 |
| Loan and lease loss provision to assets | 0.1027% | 2,139 |
| Net operating income to assets | 1.6404% | 790 |
| Return on assets (ROA) | 1.6192% | 823 |
| Pretax return on assets | 2.0216% | 535 |
| Return on Equity (ROE) | 12.1404% | 1,665 |
| Retained earnings to average equity (ytd only) | -3.3042% | 5,188 |
| Net charge-offs to loans | 0.1895% | 1,010 |
| Credit loss provision to net charge-offs | 70.3410% | 2,988 |
| Earnings coverage of net charge-offs (x) | 14.7322% | 2,364 |
| Efficiency ratio | 55.6206% | 4,456 |
| Assets per employee ($millions) | 4.3096% | 3,446 |
| Cash dividends to net income (ytd only)* | 127.2163% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 3,503 |
| Loan loss allowance to noncurrent loans | 91.5043% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.0641% | 1,275 |
| Noncurrent loans to loans | 1.1247% | 1,432 |
| Net loans and leases to total assets | 78.5383% | 1,174 |
| Net loans and leases to deposits | 93.9639% | 1,290 |
| Net loans and leases to core deposits | 96.2315% | 2,047 |
| Total domestic deposits to total assets | 83.5835% | 3,132 |
| Equity capital to assets | 13.9376% | 993 |
| Core capital (leverage) ratio | 9.9761% | 3,610 |
| Tier 1 risk-based capital ratio | 12.5546% | 4,102 |
| Total risk-based capital ratio | 13.6231% | 4,077 |
| Memoranda: | ||
| Average total assets | $2,330,196,000 | 374 |
| Average earning assets | $2,058,025,800 | 377 |
| Average equity | $310,789,600 | 335 |
| Average total loans | $1,794,879,200 | 353 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 1,685 |
| Cost of funding earning assets | 0.3814% | 3,986 |
| Net interest margin | 4.3159% | 1,083 |
| Noninterest income to average assets | 1.1966% | 658 |
| Noninterest expense to average assets | 2.9176% | 2,257 |
| Loan and lease loss provision to assets | 0.0841% | 2,282 |
| Net operating income to assets | 1.6236% | 913 |
| Return on assets (ROA) | 1.5952% | 977 |
| Pretax return on assets | 1.9724% | 666 |
| Return on Equity (ROE) | 12.0895% | 1,763 |
| Retained earnings to average equity (ytd only) | -4.6544% | 5,304 |
| Net charge-offs to loans | 0.1856% | 905 |
| Credit loss provision to net charge-offs | 59.2814% | 2,757 |
| Earnings coverage of net charge-offs (x) | 14.7385% | 2,271 |
| Efficiency ratio | 55.6705% | 4,426 |
| Assets per employee ($millions) | 4.2750% | 3,471 |
| Cash dividends to net income (ytd only)* | 138.4993% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,640 |
| Loan loss allowance to noncurrent loans | 87.2741% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 1,256 |
| Noncurrent loans to loans | 1.1681% | 1,444 |
| Net loans and leases to total assets | 78.2293% | 1,311 |
| Net loans and leases to deposits | 93.4309% | 1,441 |
| Net loans and leases to core deposits | 95.7197% | 2,143 |
| Total domestic deposits to total assets | 83.7296% | 3,039 |
| Equity capital to assets | 13.6723% | 1,067 |
| Core capital (leverage) ratio | 9.5600% | 4,100 |
| Tier 1 risk-based capital ratio | 12.3076% | 4,316 |
| Total risk-based capital ratio | 13.3679% | 4,325 |
| Memoranda: | ||
| Average total assets | $2,353,580,500 | 371 |
| Average earning assets | $2,079,060,000 | 375 |
| Average equity | $310,552,750 | 333 |
| Average total loans | $1,799,874,000 | 353 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 1,683 |
| Cost of funding earning assets | 0.3782% | 3,882 |
| Net interest margin | 4.2557% | 1,144 |
| Noninterest income to average assets | 1.1428% | 740 |
| Noninterest expense to average assets | 2.8068% | 2,641 |
| Loan and lease loss provision to assets | 0.0831% | 2,251 |
| Net operating income to assets | 1.5673% | 997 |
| Return on assets (ROA) | 1.5673% | 1,005 |
| Pretax return on assets | 2.0180% | 582 |
| Return on Equity (ROE) | 12.0157% | 1,717 |
| Retained earnings to average equity (ytd only) | -7.2887% | 5,366 |
| Net charge-offs to loans | 0.0757% | 1,569 |
| Credit loss provision to net charge-offs | 145.1613% | 1,606 |
| Earnings coverage of net charge-offs (x) | 36.7053% | 1,360 |
| Efficiency ratio | 56.2934% | 4,442 |
| Assets per employee ($millions) | 4.4061% | 3,270 |
| Cash dividends to net income (ytd only)* | 160.6598% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,334 |
| Loan loss allowance to noncurrent loans | 89.1108% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.1444% | 1,281 |
| Noncurrent loans to loans | 1.2217% | 1,418 |
| Net loans and leases to total assets | 75.9061% | 1,653 |
| Net loans and leases to deposits | 92.3391% | 1,539 |
| Net loans and leases to core deposits | 94.5476% | 2,181 |
| Total domestic deposits to total assets | 82.2036% | 3,652 |
| Equity capital to assets | 13.2047% | 1,223 |
| Core capital (leverage) ratio | 9.2830% | 4,380 |
| Tier 1 risk-based capital ratio | 12.0862% | 4,451 |
| Total risk-based capital ratio | 13.2133% | 4,397 |
| Memoranda: | ||
| Average total assets | $2,382,862,330 | 369 |
| Average earning assets | $2,108,131,330 | 372 |
| Average equity | $310,811,000 | 331 |
| Average total loans | $1,802,923,670 | 353 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 1,573 |
| Cost of funding earning assets | 0.3672% | 3,856 |
| Net interest margin | 4.2319% | 1,099 |
| Noninterest income to average assets | 1.1564% | 689 |
| Noninterest expense to average assets | 2.8017% | 2,683 |
| Loan and lease loss provision to assets | 0.0824% | 2,145 |
| Net operating income to assets | 1.5585% | 935 |
| Return on assets (ROA) | 1.5585% | 945 |
| Pretax return on assets | 2.0161% | 556 |
| Return on Equity (ROE) | 12.0210% | 1,572 |
| Retained earnings to average equity (ytd only) | -26.5078% | 5,542 |
| Net charge-offs to loans | 0.0601% | 1,506 |
| Credit loss provision to net charge-offs | 182.6568% | 1,106 |
| Earnings coverage of net charge-offs (x) | 46.5055% | 978 |
| Efficiency ratio | 56.2880% | 4,548 |
| Assets per employee ($millions) | 4.4077% | 3,310 |
| Cash dividends to net income (ytd only)* | 320.5128% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,465 |
| Loan loss allowance to noncurrent loans | 87.5499% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 1,393 |
| Noncurrent loans to loans | 1.2423% | 1,465 |
| Net loans and leases to total assets | 73.1535% | 2,004 |
| Net loans and leases to deposits | 88.0321% | 1,924 |
| Net loans and leases to core deposits | 90.1289% | 2,443 |
| Total domestic deposits to total assets | 83.0986% | 3,636 |
| Equity capital to assets | 12.3880% | 1,555 |
| Core capital (leverage) ratio | 8.9037% | 4,801 |
| Tier 1 risk-based capital ratio | 11.2955% | 4,982 |
| Total risk-based capital ratio | 12.3929% | 4,956 |
| Memoranda: | ||
| Average total assets | $2,402,277,000 | 370 |
| Average earning assets | $2,125,181,000 | 374 |
| Average equity | $311,455,000 | 334 |
| Average total loans | $1,804,962,000 | 353 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 1,556 |
| Cost of funding earning assets | 0.3843% | 3,393 |
| Net interest margin | 4.1684% | 1,255 |
| Noninterest income to average assets | 1.0803% | 874 |
| Noninterest expense to average assets | 2.7760% | 2,861 |
| Loan and lease loss provision to assets | 0.1164% | 1,957 |
| Net operating income to assets | 0.9625% | 2,393 |
| Return on assets (ROA) | 0.9448% | 2,503 |
| Pretax return on assets | 1.8394% | 713 |
| Return on Equity (ROE) | 6.9144% | 3,323 |
| Retained earnings to average equity (ytd only) | -0.0679% | 5,036 |
| Net charge-offs to loans | 0.0786% | 2,322 |
| Credit loss provision to net charge-offs | 192.0305% | 1,417 |
| Earnings coverage of net charge-offs (x) | 32.7346% | 1,457 |
| Efficiency ratio | 57.3942% | 4,603 |
| Assets per employee ($millions) | 4.2354% | 3,603 |
| Cash dividends to net income (ytd only)* | 100.9823% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,554 |
| Loan loss allowance to noncurrent loans | 99.6691% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 1,685 |
| Noncurrent loans to loans | 1.0644% | 1,673 |
| Net loans and leases to total assets | 75.5250% | 1,677 |
| Net loans and leases to deposits | 92.2332% | 1,487 |
| Net loans and leases to core deposits | 94.6069% | 2,144 |
| Total domestic deposits to total assets | 81.8848% | 3,898 |
| Equity capital to assets | 13.5527% | 1,042 |
| Core capital (leverage) ratio | 9.8387% | 3,650 |
| Tier 1 risk-based capital ratio | 12.4660% | 4,227 |
| Total risk-based capital ratio | 13.5480% | 4,240 |
| Memoranda: | ||
| Average total assets | $2,381,443,800 | 356 |
| Average earning assets | $2,101,997,000 | 366 |
| Average equity | $325,392,400 | 317 |
| Average total loans | $1,836,947,400 | 333 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 1,470 |
| Cost of funding earning assets | 0.3843% | 3,340 |
| Net interest margin | 4.1779% | 1,211 |
| Noninterest income to average assets | 0.9975% | 1,032 |
| Noninterest expense to average assets | 2.7674% | 2,836 |
| Loan and lease loss provision to assets | 0.1207% | 1,795 |
| Net operating income to assets | 1.1988% | 1,698 |
| Return on assets (ROA) | 1.1742% | 1,834 |
| Pretax return on assets | 1.7550% | 989 |
| Return on Equity (ROE) | 8.5761% | 2,824 |
| Retained earnings to average equity (ytd only) | 2.5166% | 4,385 |
| Net charge-offs to loans | 0.0650% | 2,189 |
| Credit loss provision to net charge-offs | 240.0891% | 1,167 |
| Earnings coverage of net charge-offs (x) | 38.0447% | 1,350 |
| Efficiency ratio | 58.1890% | 4,477 |
| Assets per employee ($millions) | 4.1587% | 3,724 |
| Cash dividends to net income (ytd only)* | 70.6556% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,815 |
| Loan loss allowance to noncurrent loans | 99.1943% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 1,747 |
| Noncurrent loans to loans | 1.0537% | 1,833 |
| Net loans and leases to total assets | 76.8437% | 1,445 |
| Net loans and leases to deposits | 96.8410% | 1,020 |
| Net loans and leases to core deposits | 99.5561% | 1,744 |
| Total domestic deposits to total assets | 79.3504% | 4,472 |
| Equity capital to assets | 13.9244% | 1,017 |
| Core capital (leverage) ratio | 10.1791% | 3,339 |
| Tier 1 risk-based capital ratio | 12.6781% | 4,222 |
| Total risk-based capital ratio | 13.7438% | 4,239 |
| Memoranda: | ||
| Average total assets | $2,381,728,750 | 354 |
| Average earning assets | $2,099,275,000 | 366 |
| Average equity | $326,091,750 | 314 |
| Average total loans | $1,841,934,250 | 333 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 1,425 |
| Cost of funding earning assets | 0.3850% | 3,235 |
| Net interest margin | 4.1499% | 1,206 |
| Noninterest income to average assets | 0.9434% | 1,146 |
| Noninterest expense to average assets | 2.8130% | 2,708 |
| Loan and lease loss provision to assets | 0.1195% | 1,722 |
| Net operating income to assets | 1.1251% | 1,872 |
| Return on assets (ROA) | 1.0882% | 2,093 |
| Pretax return on assets | 1.6126% | 1,303 |
| Return on Equity (ROE) | 7.9930% | 3,041 |
| Retained earnings to average equity (ytd only) | 2.9339% | 3,969 |
| Net charge-offs to loans | 0.0529% | 2,166 |
| Credit loss provision to net charge-offs | 292.2131% | 975 |
| Earnings coverage of net charge-offs (x) | 43.7070% | 1,187 |
| Efficiency ratio | 60.1956% | 4,289 |
| Assets per employee ($millions) | 4.0656% | 3,854 |
| Cash dividends to net income (ytd only)* | 63.2941% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,988 |
| Loan loss allowance to noncurrent loans | 91.7152% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 1,679 |
| Noncurrent loans to loans | 1.1180% | 1,756 |
| Net loans and leases to total assets | 77.3107% | 1,348 |
| Net loans and leases to deposits | 97.5572% | 930 |
| Net loans and leases to core deposits | 100.3517% | 1,627 |
| Total domestic deposits to total assets | 79.2466% | 4,575 |
| Equity capital to assets | 13.9168% | 994 |
| Core capital (leverage) ratio | 10.0242% | 3,511 |
| Tier 1 risk-based capital ratio | 13.5439% | 3,679 |
| Total risk-based capital ratio | 14.6861% | 3,647 |
| Memoranda: | ||
| Average total assets | $2,386,881,000 | 360 |
| Average earning assets | $2,103,282,000 | 370 |
| Average equity | $324,959,670 | 314 |
| Average total loans | $1,843,400,000 | 335 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4025% | 1,640 |
| Cost of funding earning assets | 0.3852% | 3,141 |
| Net interest margin | 4.0173% | 1,426 |
| Noninterest income to average assets | 0.8952% | 1,260 |
| Noninterest expense to average assets | 2.7642% | 2,910 |
| Loan and lease loss provision to assets | 0.0820% | 2,177 |
| Net operating income to assets | 1.0616% | 2,023 |
| Return on assets (ROA) | 1.0616% | 2,062 |
| Pretax return on assets | 1.5895% | 1,266 |
| Return on Equity (ROE) | 7.8836% | 2,978 |
| Retained earnings to average equity (ytd only) | 4.2096% | 3,350 |
| Net charge-offs to loans | -0.0039% | 4,120 |
| Credit loss provision to net charge-offs | -2,733.3333% | 4,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3377% | 4,255 |
| Assets per employee ($millions) | 4.1883% | 3,682 |
| Cash dividends to net income (ytd only)* | 46.6029% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 4,244 |
| Loan loss allowance to noncurrent loans | 94.7779% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.9976% | 1,830 |
| Noncurrent loans to loans | 1.0610% | 1,931 |
| Net loans and leases to total assets | 74.9308% | 1,593 |
| Net loans and leases to deposits | 94.8698% | 1,031 |
| Net loans and leases to core deposits | 97.4699% | 1,704 |
| Total domestic deposits to total assets | 78.9828% | 4,826 |
| Equity capital to assets | 13.4151% | 1,104 |
| Core capital (leverage) ratio | 9.9683% | 3,539 |
| Tier 1 risk-based capital ratio | 13.3614% | 3,853 |
| Total risk-based capital ratio | 14.4710% | 3,853 |
| Memoranda: | ||
| Average total assets | $2,401,291,500 | 361 |
| Average earning assets | $2,116,249,000 | 365 |
| Average equity | $323,356,000 | 316 |
| Average total loans | $1,844,140,500 | 337 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 1,665 |
| Cost of funding earning assets | 0.4333% | 2,676 |
| Net interest margin | 4.0231% | 1,572 |
| Noninterest income to average assets | 0.9990% | 1,150 |
| Noninterest expense to average assets | 2.7186% | 3,283 |
| Loan and lease loss provision to assets | 0.0516% | 3,356 |
| Net operating income to assets | 1.1589% | 1,653 |
| Return on assets (ROA) | 1.0851% | 2,061 |
| Pretax return on assets | 1.6472% | 1,146 |
| Return on Equity (ROE) | 8.1546% | 2,858 |
| Retained earnings to average equity (ytd only) | -1.7328% | 5,512 |
| Net charge-offs to loans | 0.1975% | 1,404 |
| Credit loss provision to net charge-offs | 35.4337% | 3,546 |
| Earnings coverage of net charge-offs (x) | 12.4442% | 2,446 |
| Efficiency ratio | 59.1832% | 4,701 |
| Assets per employee ($millions) | 4.0992% | 3,788 |
| Cash dividends to net income (ytd only)* | 121.2489% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 4,483 |
| Loan loss allowance to noncurrent loans | 109.0268% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 2,064 |
| Noncurrent loans to loans | 0.8885% | 2,323 |
| Net loans and leases to total assets | 77.1710% | 1,335 |
| Net loans and leases to deposits | 98.3845% | 793 |
| Net loans and leases to core deposits | 100.6763% | 1,562 |
| Total domestic deposits to total assets | 78.4382% | 4,906 |
| Equity capital to assets | 13.5177% | 1,042 |
| Core capital (leverage) ratio | 9.7077% | 3,848 |
| Tier 1 risk-based capital ratio | 12.9272% | 4,116 |
| Total risk-based capital ratio | 13.9821% | 4,140 |
| Memoranda: | ||
| Average total assets | $2,432,252,600 | 345 |
| Average earning assets | $2,134,304,200 | 354 |
| Average equity | $323,645,200 | 305 |
| Average total loans | $1,791,797,200 | 331 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 1,701 |
| Cost of funding earning assets | 0.4316% | 2,721 |
| Net interest margin | 4.0180% | 1,598 |
| Noninterest income to average assets | 1.0441% | 1,042 |
| Noninterest expense to average assets | 2.7263% | 3,275 |
| Loan and lease loss provision to assets | 0.0411% | 3,414 |
| Net operating income to assets | 1.1994% | 1,650 |
| Return on assets (ROA) | 1.0925% | 2,132 |
| Pretax return on assets | 1.6410% | 1,272 |
| Return on Equity (ROE) | 8.2418% | 2,882 |
| Retained earnings to average equity (ytd only) | -2.5534% | 5,632 |
| Net charge-offs to loans | 0.1016% | 1,931 |
| Credit loss provision to net charge-offs | 55.6869% | 2,962 |
| Earnings coverage of net charge-offs (x) | 24.9534% | 1,651 |
| Efficiency ratio | 58.8883% | 4,700 |
| Assets per employee ($millions) | 4.2325% | 3,537 |
| Cash dividends to net income (ytd only)* | 130.9815% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 4,028 |
| Loan loss allowance to noncurrent loans | 107.6548% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 2,025 |
| Noncurrent loans to loans | 0.9932% | 2,259 |
| Net loans and leases to total assets | 74.9006% | 1,723 |
| Net loans and leases to deposits | 97.2949% | 921 |
| Net loans and leases to core deposits | 99.6626% | 1,668 |
| Total domestic deposits to total assets | 76.9831% | 5,094 |
| Equity capital to assets | 13.3694% | 1,308 |
| Core capital (leverage) ratio | 9.2399% | 4,542 |
| Tier 1 risk-based capital ratio | 12.4860% | 4,491 |
| Total risk-based capital ratio | 13.6432% | 4,441 |
| Memoranda: | ||
| Average total assets | $2,445,930,750 | 344 |
| Average earning assets | $2,145,182,000 | 351 |
| Average equity | $324,209,250 | 302 |
| Average total loans | $1,776,566,750 | 332 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 1,668 |
| Cost of funding earning assets | 0.4272% | 2,760 |
| Net interest margin | 4.0243% | 1,568 |
| Noninterest income to average assets | 0.8568% | 1,521 |
| Noninterest expense to average assets | 2.7147% | 3,341 |
| Loan and lease loss provision to assets | 0.1556% | 1,464 |
| Net operating income to assets | 1.0201% | 2,298 |
| Return on assets (ROA) | 1.0200% | 2,433 |
| Pretax return on assets | 1.5147% | 1,626 |
| Return on Equity (ROE) | 7.7174% | 3,132 |
| Retained earnings to average equity (ytd only) | -4.5281% | 5,728 |
| Net charge-offs to loans | 0.1186% | 1,647 |
| Credit loss provision to net charge-offs | 183.1094% | 1,384 |
| Earnings coverage of net charge-offs (x) | 19.6603% | 1,762 |
| Efficiency ratio | 61.1305% | 4,490 |
| Assets per employee ($millions) | 4.1533% | 3,646 |
| Cash dividends to net income (ytd only)* | 158.6731% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 3,519 |
| Loan loss allowance to noncurrent loans | 121.4611% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9540% | 2,244 |
| Noncurrent loans to loans | 0.9641% | 2,350 |
| Net loans and leases to total assets | 72.0548% | 2,160 |
| Net loans and leases to deposits | 97.2966% | 945 |
| Net loans and leases to core deposits | 99.6043% | 1,663 |
| Total domestic deposits to total assets | 74.0568% | 5,512 |
| Equity capital to assets | 12.9902% | 1,510 |
| Core capital (leverage) ratio | 9.1415% | 4,673 |
| Tier 1 risk-based capital ratio | 12.6280% | 4,431 |
| Total risk-based capital ratio | 13.8814% | 4,330 |
| Memoranda: | ||
| Average total assets | $2,452,840,000 | 342 |
| Average earning assets | $2,150,514,330 | 352 |
| Average equity | $324,200,670 | 300 |
| Average total loans | $1,756,714,000 | 334 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 1,759 |
| Cost of funding earning assets | 0.4286% | 2,778 |
| Net interest margin | 3.9872% | 1,653 |
| Noninterest income to average assets | 0.8582% | 1,422 |
| Noninterest expense to average assets | 2.6932% | 3,438 |
| Loan and lease loss provision to assets | 0.1958% | 1,008 |
| Net operating income to assets | 0.9872% | 2,338 |
| Return on assets (ROA) | 0.9916% | 2,432 |
| Pretax return on assets | 1.4688% | 1,688 |
| Return on Equity (ROE) | 7.4378% | 3,222 |
| Retained earnings to average equity (ytd only) | -0.4322% | 5,189 |
| Net charge-offs to loans | 0.2219% | 916 |
| Credit loss provision to net charge-offs | 124.3243% | 1,411 |
| Earnings coverage of net charge-offs (x) | 10.5291% | 1,915 |
| Efficiency ratio | 61.1090% | 4,587 |
| Assets per employee ($millions) | 3.7077% | 4,455 |
| Cash dividends to net income (ytd only)* | 105.8105% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,708 |
| Loan loss allowance to noncurrent loans | 111.2700% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.0619% | 2,084 |
| Noncurrent loans to loans | 1.0438% | 2,302 |
| Net loans and leases to total assets | 71.1750% | 2,162 |
| Net loans and leases to deposits | 92.6543% | 1,270 |
| Net loans and leases to core deposits | 94.6755% | 1,919 |
| Total domestic deposits to total assets | 76.8179% | 5,313 |
| Equity capital to assets | 13.3072% | 1,264 |
| Core capital (leverage) ratio | 9.5199% | 4,163 |
| Tier 1 risk-based capital ratio | 13.3216% | 4,085 |
| Total risk-based capital ratio | 14.5629% | 4,016 |
| Memoranda: | ||
| Average total assets | $2,443,658,500 | 345 |
| Average earning assets | $2,140,734,000 | 353 |
| Average equity | $325,794,500 | 299 |
| Average total loans | $1,734,211,000 | 334 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 1,823 |
| Cost of funding earning assets | 0.4959% | 2,190 |
| Net interest margin | 3.9274% | 1,938 |
| Noninterest income to average assets | 0.8114% | 1,744 |
| Noninterest expense to average assets | 2.6862% | 3,626 |
| Loan and lease loss provision to assets | 0.0864% | 2,567 |
| Net operating income to assets | 0.9954% | 2,385 |
| Return on assets (ROA) | 1.0025% | 2,445 |
| Pretax return on assets | 1.4718% | 1,644 |
| Return on Equity (ROE) | 7.7431% | 3,108 |
| Retained earnings to average equity (ytd only) | 0.6523% | 5,250 |
| Net charge-offs to loans | 0.1279% | 2,091 |
| Credit loss provision to net charge-offs | 100.2783% | 2,496 |
| Earnings coverage of net charge-offs (x) | 17.9624% | 2,041 |
| Efficiency ratio | 62.6529% | 4,504 |
| Assets per employee ($millions) | 3.9550% | 4,019 |
| Cash dividends to net income (ytd only)* | 91.5760% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 3,560 |
| Loan loss allowance to noncurrent loans | 109.4090% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1228% | 1,953 |
| Noncurrent loans to loans | 1.0838% | 2,172 |
| Net loans and leases to total assets | 69.0922% | 2,523 |
| Net loans and leases to deposits | 89.5194% | 1,681 |
| Net loans and leases to core deposits | 91.7546% | 2,248 |
| Total domestic deposits to total assets | 77.1812% | 5,287 |
| Equity capital to assets | 13.3574% | 1,181 |
| Core capital (leverage) ratio | 9.7705% | 3,813 |
| Tier 1 risk-based capital ratio | 13.5965% | 3,953 |
| Total risk-based capital ratio | 14.8189% | 3,903 |
| Memoranda: | ||
| Average total assets | $2,502,009,800 | 318 |
| Average earning assets | $2,180,402,000 | 330 |
| Average equity | $323,941,600 | 282 |
| Average total loans | $1,685,759,400 | 323 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 1,858 |
| Cost of funding earning assets | 0.5135% | 2,092 |
| Net interest margin | 3.9058% | 2,012 |
| Noninterest income to average assets | 0.7864% | 1,848 |
| Noninterest expense to average assets | 2.6697% | 3,667 |
| Loan and lease loss provision to assets | 0.0915% | 2,339 |
| Net operating income to assets | 0.9783% | 2,584 |
| Return on assets (ROA) | 0.9875% | 2,613 |
| Pretax return on assets | 1.4407% | 1,861 |
| Return on Equity (ROE) | 7.6860% | 3,238 |
| Retained earnings to average equity (ytd only) | -1.7829% | 5,835 |
| Net charge-offs to loans | 0.1450% | 1,679 |
| Credit loss provision to net charge-offs | 94.5295% | 2,402 |
| Earnings coverage of net charge-offs (x) | 15.6887% | 2,164 |
| Efficiency ratio | 62.9454% | 4,412 |
| Assets per employee ($millions) | 3.9644% | 3,945 |
| Cash dividends to net income (ytd only)* | 123.1966% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 3,713 |
| Loan loss allowance to noncurrent loans | 112.3409% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.1037% | 2,145 |
| Noncurrent loans to loans | 1.0592% | 2,364 |
| Net loans and leases to total assets | 68.1091% | 2,658 |
| Net loans and leases to deposits | 87.0580% | 2,018 |
| Net loans and leases to core deposits | 90.5522% | 2,407 |
| Total domestic deposits to total assets | 78.2342% | 5,145 |
| Equity capital to assets | 13.0675% | 1,415 |
| Core capital (leverage) ratio | 9.3860% | 4,460 |
| Tier 1 risk-based capital ratio | 13.2713% | 4,276 |
| Total risk-based capital ratio | 14.4948% | 4,209 |
| Memoranda: | ||
| Average total assets | $2,517,446,000 | 322 |
| Average earning assets | $2,192,830,000 | 333 |
| Average equity | $323,438,000 | 290 |
| Average total loans | $1,680,633,000 | 327 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 1,948 |
| Cost of funding earning assets | 0.5343% | 1,947 |
| Net interest margin | 3.8351% | 2,191 |
| Noninterest income to average assets | 0.8409% | 1,630 |
| Noninterest expense to average assets | 2.6883% | 3,633 |
| Loan and lease loss provision to assets | 0.1120% | 1,966 |
| Net operating income to assets | 0.9561% | 2,599 |
| Return on assets (ROA) | 0.9697% | 2,647 |
| Pretax return on assets | 1.3970% | 1,992 |
| Return on Equity (ROE) | 7.5897% | 3,265 |
| Retained earnings to average equity (ytd only) | 0.7393% | 5,256 |
| Net charge-offs to loans | 0.1659% | 1,475 |
| Credit loss provision to net charge-offs | 102.2286% | 2,015 |
| Earnings coverage of net charge-offs (x) | 13.5895% | 2,119 |
| Efficiency ratio | 63.5688% | 4,416 |
| Assets per employee ($millions) | 3.9872% | 3,909 |
| Cash dividends to net income (ytd only)* | 90.2592% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 3,705 |
| Loan loss allowance to noncurrent loans | 119.1787% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 2,098 |
| Noncurrent loans to loans | 1.0192% | 2,608 |
| Net loans and leases to total assets | 66.7506% | 2,831 |
| Net loans and leases to deposits | 85.2009% | 2,148 |
| Net loans and leases to core deposits | 89.7423% | 2,375 |
| Total domestic deposits to total assets | 78.3450% | 5,208 |
| Equity capital to assets | 13.1325% | 1,335 |
| Core capital (leverage) ratio | 9.4111% | 4,402 |
| Tier 1 risk-based capital ratio | 13.9834% | 3,941 |
| Total risk-based capital ratio | 15.2404% | 3,867 |
| Memoranda: | ||
| Average total assets | $2,538,614,330 | 319 |
| Average earning assets | $2,208,626,670 | 329 |
| Average equity | $324,361,000 | 289 |
| Average total loans | $1,677,016,330 | 325 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,058 |
| Cost of funding earning assets | 0.5583% | 1,766 |
| Net interest margin | 3.7533% | 2,419 |
| Noninterest income to average assets | 0.7404% | 1,962 |
| Noninterest expense to average assets | 2.4875% | 4,305 |
| Loan and lease loss provision to assets | 0.1781% | 1,088 |
| Net operating income to assets | 0.9119% | 2,691 |
| Return on assets (ROA) | 0.9119% | 2,814 |
| Pretax return on assets | 1.3440% | 2,104 |
| Return on Equity (ROE) | 7.2337% | 3,378 |
| Retained earnings to average equity (ytd only) | 0.6262% | 5,187 |
| Net charge-offs to loans | 0.2666% | 896 |
| Credit loss provision to net charge-offs | 102.2302% | 1,582 |
| Earnings coverage of net charge-offs (x) | 8.7368% | 2,065 |
| Efficiency ratio | 61.2403% | 4,929 |
| Assets per employee ($millions) | 4.1877% | 3,581 |
| Cash dividends to net income (ytd only)* | 91.3429% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 3,908 |
| Loan loss allowance to noncurrent loans | 111.1099% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2132% | 2,207 |
| Noncurrent loans to loans | 1.0900% | 2,582 |
| Net loans and leases to total assets | 64.4554% | 3,035 |
| Net loans and leases to deposits | 82.2793% | 2,308 |
| Net loans and leases to core deposits | 87.3085% | 2,402 |
| Total domestic deposits to total assets | 78.3373% | 5,384 |
| Equity capital to assets | 12.6884% | 1,575 |
| Core capital (leverage) ratio | 9.1327% | 4,809 |
| Tier 1 risk-based capital ratio | 13.9956% | 4,022 |
| Total risk-based capital ratio | 15.2525% | 3,936 |
| Memoranda: | ||
| Average total assets | $2,573,879,500 | 316 |
| Average earning assets | $2,241,878,000 | 325 |
| Average equity | $324,481,500 | 291 |
| Average total loans | $1,681,665,000 | 319 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 1,086 |
| Cost of funding earning assets | 0.6675% | 1,282 |
| Net interest margin | 4.1480% | 1,440 |
| Noninterest income to average assets | 1.1618% | 891 |
| Noninterest expense to average assets | 3.1712% | 2,287 |
| Loan and lease loss provision to assets | -0.0108% | 5,918 |
| Net operating income to assets | 1.0597% | 2,131 |
| Return on assets (ROA) | 1.0083% | 2,421 |
| Pretax return on assets | 1.4986% | 1,547 |
| Return on Equity (ROE) | 8.2752% | 2,979 |
| Retained earnings to average equity (ytd only) | 3.7492% | 3,549 |
| Net charge-offs to loans | 0.1669% | 2,359 |
| Credit loss provision to net charge-offs | -9.5469% | 5,311 |
| Earnings coverage of net charge-offs (x) | 13.8824% | 2,230 |
| Efficiency ratio | 61.2357% | 5,035 |
| Assets per employee ($millions) | 3.8813% | 4,206 |
| Cash dividends to net income (ytd only)* | 54.6931% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 4,026 |
| Loan loss allowance to noncurrent loans | 155.6642% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 2,742 |
| Noncurrent loans to loans | 0.7683% | 3,393 |
| Net loans and leases to total assets | 64.6427% | 3,116 |
| Net loans and leases to deposits | 82.5484% | 2,401 |
| Net loans and leases to core deposits | 87.7037% | 2,531 |
| Total domestic deposits to total assets | 78.3089% | 5,373 |
| Equity capital to assets | 12.5257% | 1,634 |
| Core capital (leverage) ratio | 8.8675% | 5,159 |
| Tier 1 risk-based capital ratio | 14.4824% | 3,787 |
| Total risk-based capital ratio | 15.7329% | 3,723 |
| Memoranda: | ||
| Average total assets | $2,565,400,000 | 297 |
| Average earning assets | $2,210,283,200 | 309 |
| Average equity | $312,597,000 | 288 |
| Average total loans | $1,732,046,200 | 295 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 1,234 |
| Cost of funding earning assets | 0.6917% | 1,191 |
| Net interest margin | 4.0398% | 1,751 |
| Noninterest income to average assets | 0.8318% | 1,770 |
| Noninterest expense to average assets | 2.7542% | 3,626 |
| Loan and lease loss provision to assets | 0.0095% | 4,235 |
| Net operating income to assets | 1.0445% | 2,259 |
| Return on assets (ROA) | 1.0334% | 2,368 |
| Pretax return on assets | 1.5252% | 1,565 |
| Return on Equity (ROE) | 8.5412% | 2,931 |
| Retained earnings to average equity (ytd only) | 3.6909% | 4,013 |
| Net charge-offs to loans | 0.2372% | 1,623 |
| Credit loss provision to net charge-offs | 5.8710% | 3,751 |
| Earnings coverage of net charge-offs (x) | 9.6087% | 2,649 |
| Efficiency ratio | 63.5837% | 4,616 |
| Assets per employee ($millions) | 4.0045% | 3,874 |
| Cash dividends to net income (ytd only)* | 56.7873% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 4,223 |
| Loan loss allowance to noncurrent loans | 167.7555% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 2,913 |
| Noncurrent loans to loans | 0.7151% | 3,822 |
| Net loans and leases to total assets | 68.9687% | 2,375 |
| Net loans and leases to deposits | 89.0882% | 1,542 |
| Net loans and leases to core deposits | 95.4402% | 1,723 |
| Total domestic deposits to total assets | 77.4161% | 5,612 |
| Equity capital to assets | 12.5630% | 1,658 |
| Core capital (leverage) ratio | 9.2683% | 4,679 |
| Tier 1 risk-based capital ratio | 13.5212% | 4,526 |
| Total risk-based capital ratio | 14.7717% | 4,468 |
| Memoranda: | ||
| Average total assets | $2,560,520,750 | 294 |
| Average earning assets | $2,201,588,000 | 306 |
| Average equity | $309,801,500 | 288 |
| Average total loans | $1,742,260,750 | 289 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 1,217 |
| Cost of funding earning assets | 0.7079% | 1,151 |
| Net interest margin | 4.0260% | 1,740 |
| Noninterest income to average assets | 0.8401% | 1,702 |
| Noninterest expense to average assets | 2.5966% | 4,251 |
| Loan and lease loss provision to assets | 0.2124% | 1,110 |
| Net operating income to assets | 1.0233% | 2,232 |
| Return on assets (ROA) | 0.9989% | 2,397 |
| Pretax return on assets | 1.4547% | 1,697 |
| Return on Equity (ROE) | 8.3612% | 2,912 |
| Retained earnings to average equity (ytd only) | 3.5495% | 3,940 |
| Net charge-offs to loans | 0.3339% | 1,220 |
| Credit loss provision to net charge-offs | 94.2699% | 2,110 |
| Earnings coverage of net charge-offs (x) | 7.5561% | 2,610 |
| Efficiency ratio | 60.0137% | 5,295 |
| Assets per employee ($millions) | 3.9265% | 4,003 |
| Cash dividends to net income (ytd only)* | 57.5477% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 3,547 |
| Loan loss allowance to noncurrent loans | 129.0533% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 2,527 |
| Noncurrent loans to loans | 1.0528% | 3,121 |
| Net loans and leases to total assets | 68.0174% | 2,411 |
| Net loans and leases to deposits | 89.8742% | 1,382 |
| Net loans and leases to core deposits | 96.5407% | 1,561 |
| Total domestic deposits to total assets | 75.6807% | 5,955 |
| Equity capital to assets | 12.3061% | 1,769 |
| Core capital (leverage) ratio | 9.0264% | 4,980 |
| Tier 1 risk-based capital ratio | 13.2919% | 4,726 |
| Total risk-based capital ratio | 14.5520% | 4,653 |
| Memoranda: | ||
| Average total assets | $2,571,751,000 | 291 |
| Average earning assets | $2,209,474,330 | 303 |
| Average equity | $307,253,670 | 285 |
| Average total loans | $1,735,054,330 | 288 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 1,252 |
| Cost of funding earning assets | 0.7086% | 1,197 |
| Net interest margin | 3.9931% | 1,792 |
| Noninterest income to average assets | 0.7338% | 2,020 |
| Noninterest expense to average assets | 2.6488% | 4,118 |
| Loan and lease loss provision to assets | 0.2464% | 878 |
| Net operating income to assets | 0.8799% | 2,746 |
| Return on assets (ROA) | 0.8607% | 2,917 |
| Pretax return on assets | 1.2405% | 2,315 |
| Return on Equity (ROE) | 7.3130% | 3,307 |
| Retained earnings to average equity (ytd only) | 2.4368% | 4,609 |
| Net charge-offs to loans | 0.4338% | 841 |
| Credit loss provision to net charge-offs | 85.1178% | 1,850 |
| Earnings coverage of net charge-offs (x) | 5.2329% | 2,401 |
| Efficiency ratio | 63.2266% | 4,972 |
| Assets per employee ($millions) | 3.9753% | 3,991 |
| Cash dividends to net income (ytd only)* | 66.6787% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 3,730 |
| Loan loss allowance to noncurrent loans | 107.3433% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.4219% | 2,495 |
| Noncurrent loans to loans | 1.2788% | 2,892 |
| Net loans and leases to total assets | 66.0698% | 2,552 |
| Net loans and leases to deposits | 86.2136% | 1,576 |
| Net loans and leases to core deposits | 92.5953% | 1,675 |
| Total domestic deposits to total assets | 76.6350% | 6,006 |
| Equity capital to assets | 11.8560% | 1,978 |
| Core capital (leverage) ratio | 8.8111% | 5,252 |
| Tier 1 risk-based capital ratio | 13.1232% | 4,939 |
| Total risk-based capital ratio | 14.3838% | 4,864 |
| Memoranda: | ||
| Average total assets | $2,581,516,000 | 291 |
| Average earning assets | $2,217,199,000 | 302 |
| Average equity | $303,840,500 | 284 |
| Average total loans | $1,722,649,000 | 291 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8322% | 1,249 |
| Cost of funding earning assets | 0.7604% | 1,436 |
| Net interest margin | 4.0718% | 1,729 |
| Noninterest income to average assets | 0.8295% | 1,938 |
| Noninterest expense to average assets | 2.7140% | 4,043 |
| Loan and lease loss provision to assets | 0.3274% | 993 |
| Net operating income to assets | 0.8753% | 2,904 |
| Return on assets (ROA) | 0.8764% | 2,986 |
| Pretax return on assets | 1.2856% | 2,214 |
| Return on Equity (ROE) | 7.0997% | 3,511 |
| Retained earnings to average equity (ytd only) | -6.3462% | 6,427 |
| Net charge-offs to loans | 0.6062% | 1,080 |
| Credit loss provision to net charge-offs | 83.7104% | 2,932 |
| Earnings coverage of net charge-offs (x) | 4.1206% | 3,667 |
| Efficiency ratio | 62.3488% | 5,148 |
| Assets per employee ($millions) | 3.8435% | 4,177 |
| Cash dividends to net income (ytd only)* | 189.3874% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 3,624 |
| Loan loss allowance to noncurrent loans | 106.9376% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.4514% | 2,569 |
| Noncurrent loans to loans | 1.3154% | 2,936 |
| Net loans and leases to total assets | 65.5346% | 2,767 |
| Net loans and leases to deposits | 86.1653% | 1,661 |
| Net loans and leases to core deposits | 92.8674% | 1,688 |
| Total domestic deposits to total assets | 76.0569% | 6,090 |
| Equity capital to assets | 11.6833% | 2,043 |
| Core capital (leverage) ratio | 8.6336% | 5,494 |
| Tier 1 risk-based capital ratio | 13.2972% | 4,792 |
| Total risk-based capital ratio | 14.5503% | 4,727 |
| Memoranda: | ||
| Average total assets | $2,645,016,600 | 282 |
| Average earning assets | $2,270,914,600 | 291 |
| Average equity | $326,492,600 | 258 |
| Average total loans | $1,706,260,600 | 283 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7998% | 1,343 |
| Cost of funding earning assets | 0.7670% | 1,502 |
| Net interest margin | 4.0329% | 1,834 |
| Noninterest income to average assets | 0.8473% | 1,949 |
| Noninterest expense to average assets | 2.6797% | 4,098 |
| Loan and lease loss provision to assets | 0.3345% | 985 |
| Net operating income to assets | 0.8825% | 2,924 |
| Return on assets (ROA) | 0.8926% | 2,987 |
| Pretax return on assets | 1.3116% | 2,293 |
| Return on Equity (ROE) | 7.1387% | 3,567 |
| Retained earnings to average equity (ytd only) | 2.7335% | 4,683 |
| Net charge-offs to loans | 0.6717% | 897 |
| Credit loss provision to net charge-offs | 77.7739% | 2,900 |
| Earnings coverage of net charge-offs (x) | 3.7928% | 3,610 |
| Efficiency ratio | 61.7654% | 5,168 |
| Assets per employee ($millions) | 3.9719% | 3,890 |
| Cash dividends to net income (ytd only)* | 61.7089% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 3,673 |
| Loan loss allowance to noncurrent loans | 82.0580% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.6336% | 2,515 |
| Noncurrent loans to loans | 1.7706% | 2,541 |
| Net loans and leases to total assets | 63.7214% | 3,037 |
| Net loans and leases to deposits | 83.4205% | 1,952 |
| Net loans and leases to core deposits | 89.6077% | 2,013 |
| Total domestic deposits to total assets | 76.3858% | 6,129 |
| Equity capital to assets | 12.5819% | 1,535 |
| Core capital (leverage) ratio | 9.6234% | 4,215 |
| Tier 1 risk-based capital ratio | 15.0741% | 3,705 |
| Total risk-based capital ratio | 16.3277% | 3,651 |
| Memoranda: | ||
| Average total assets | $2,662,492,500 | 283 |
| Average earning assets | $2,286,740,000 | 289 |
| Average equity | $332,901,500 | 251 |
| Average total loans | $1,704,908,750 | 282 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 1,237 |
| Cost of funding earning assets | 0.7760% | 1,548 |
| Net interest margin | 4.0634% | 1,650 |
| Noninterest income to average assets | 0.8092% | 2,149 |
| Noninterest expense to average assets | 2.6107% | 4,339 |
| Loan and lease loss provision to assets | 0.3250% | 1,071 |
| Net operating income to assets | 0.9275% | 2,672 |
| Return on assets (ROA) | 0.9426% | 2,747 |
| Pretax return on assets | 1.3880% | 1,977 |
| Return on Equity (ROE) | 7.5540% | 3,321 |
| Retained earnings to average equity (ytd only) | 3.1628% | 4,305 |
| Net charge-offs to loans | 0.8185% | 770 |
| Credit loss provision to net charge-offs | 62.2155% | 2,978 |
| Earnings coverage of net charge-offs (x) | 3.2366% | 3,448 |
| Efficiency ratio | 60.3007% | 5,440 |
| Assets per employee ($millions) | 3.7963% | 4,213 |
| Cash dividends to net income (ytd only)* | 58.1310% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 4,196 |
| Loan loss allowance to noncurrent loans | 70.0370% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 2,585 |
| Noncurrent loans to loans | 1.9463% | 2,458 |
| Net loans and leases to total assets | 63.7804% | 2,948 |
| Net loans and leases to deposits | 83.8055% | 1,825 |
| Net loans and leases to core deposits | 90.2237% | 1,893 |
| Total domestic deposits to total assets | 76.1052% | 6,238 |
| Equity capital to assets | 12.5597% | 1,541 |
| Core capital (leverage) ratio | 9.4806% | 4,279 |
| Tier 1 risk-based capital ratio | 15.1358% | 3,688 |
| Total risk-based capital ratio | 16.3884% | 3,648 |
| Memoranda: | ||
| Average total assets | $2,674,846,000 | 279 |
| Average earning assets | $2,298,889,000 | 290 |
| Average equity | $333,758,670 | 250 |
| Average total loans | $1,707,336,000 | 283 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 1,202 |
| Cost of funding earning assets | 0.7751% | 1,677 |
| Net interest margin | 4.0731% | 1,550 |
| Noninterest income to average assets | 0.8343% | 1,988 |
| Noninterest expense to average assets | 2.6241% | 4,320 |
| Loan and lease loss provision to assets | 0.1691% | 2,168 |
| Net operating income to assets | 1.0471% | 2,049 |
| Return on assets (ROA) | 1.0621% | 2,100 |
| Pretax return on assets | 1.5685% | 1,383 |
| Return on Equity (ROE) | 8.5394% | 2,697 |
| Retained earnings to average equity (ytd only) | 4.1727% | 3,716 |
| Net charge-offs to loans | 0.4815% | 1,244 |
| Credit loss provision to net charge-offs | 55.3831% | 2,519 |
| Earnings coverage of net charge-offs (x) | 5.6174% | 2,345 |
| Efficiency ratio | 60.0956% | 5,578 |
| Assets per employee ($millions) | 3.9318% | 4,101 |
| Cash dividends to net income (ytd only)* | 51.1365% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 3,936 |
| Loan loss allowance to noncurrent loans | 68.6957% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.7620% | 2,645 |
| Noncurrent loans to loans | 2.1376% | 2,453 |
| Net loans and leases to total assets | 61.8200% | 3,099 |
| Net loans and leases to deposits | 81.1292% | 1,940 |
| Net loans and leases to core deposits | 87.2231% | 1,987 |
| Total domestic deposits to total assets | 76.1994% | 6,344 |
| Equity capital to assets | 12.4946% | 1,717 |
| Core capital (leverage) ratio | 9.3109% | 4,381 |
| Tier 1 risk-based capital ratio | 14.8100% | 3,961 |
| Total risk-based capital ratio | 16.0638% | 3,929 |
| Memoranda: | ||
| Average total assets | $2,700,640,500 | 282 |
| Average earning assets | $2,324,210,000 | 294 |
| Average equity | $335,901,000 | 256 |
| Average total loans | $1,712,881,500 | 286 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 1,440 |
| Cost of funding earning assets | 0.8750% | 2,096 |
| Net interest margin | 4.1729% | 1,734 |
| Noninterest income to average assets | 1.1872% | 1,113 |
| Noninterest expense to average assets | 2.9133% | 3,585 |
| Loan and lease loss provision to assets | 0.2261% | 2,867 |
| Net operating income to assets | 1.1006% | 1,933 |
| Return on assets (ROA) | 1.0915% | 2,152 |
| Pretax return on assets | 1.6479% | 1,269 |
| Return on Equity (ROE) | 8.8226% | 2,721 |
| Retained earnings to average equity (ytd only) | 6.5362% | 1,799 |
| Net charge-offs to loans | 0.4090% | 2,618 |
| Credit loss provision to net charge-offs | 85.6539% | 3,648 |
| Earnings coverage of net charge-offs (x) | 7.1528% | 2,664 |
| Efficiency ratio | 60.2413% | 5,505 |
| Assets per employee ($millions) | 3.7872% | 4,392 |
| Cash dividends to net income (ytd only)* | 25.9155% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 3,805 |
| Loan loss allowance to noncurrent loans | 91.2116% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3778% | 3,332 |
| Noncurrent loans to loans | 1.6298% | 3,183 |
| Net loans and leases to total assets | 63.1540% | 3,024 |
| Net loans and leases to deposits | 83.8176% | 1,774 |
| Net loans and leases to core deposits | 90.2139% | 1,809 |
| Total domestic deposits to total assets | 75.3469% | 6,418 |
| Equity capital to assets | 12.3812% | 1,802 |
| Core capital (leverage) ratio | 9.0585% | 4,807 |
| Tier 1 risk-based capital ratio | 14.1059% | 4,305 |
| Total risk-based capital ratio | 15.3585% | 4,259 |
| Memoranda: | ||
| Average total assets | $2,511,758,000 | 289 |
| Average earning assets | $2,175,242,600 | 299 |
| Average equity | $310,748,000 | 266 |
| Average total loans | $1,620,584,800 | 285 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 2,015 |
| Cost of funding earning assets | 0.8762% | 2,344 |
| Net interest margin | 4.0209% | 2,411 |
| Noninterest income to average assets | 1.2137% | 1,016 |
| Noninterest expense to average assets | 2.8662% | 3,729 |
| Loan and lease loss provision to assets | 0.2413% | 2,639 |
| Net operating income to assets | 1.0439% | 2,303 |
| Return on assets (ROA) | 1.0243% | 2,613 |
| Pretax return on assets | 1.5647% | 1,687 |
| Return on Equity (ROE) | 8.2811% | 3,146 |
| Retained earnings to average equity (ytd only) | 6.2658% | 2,512 |
| Net charge-offs to loans | 0.4475% | 2,317 |
| Credit loss provision to net charge-offs | 83.4207% | 3,512 |
| Earnings coverage of net charge-offs (x) | 6.3486% | 2,813 |
| Efficiency ratio | 60.4848% | 5,413 |
| Assets per employee ($millions) | 3.8180% | 4,259 |
| Cash dividends to net income (ytd only)* | 24.3356% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 4,108 |
| Loan loss allowance to noncurrent loans | 87.9849% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 3,476 |
| Noncurrent loans to loans | 1.6605% | 3,301 |
| Net loans and leases to total assets | 63.5623% | 3,101 |
| Net loans and leases to deposits | 84.1093% | 1,862 |
| Net loans and leases to core deposits | 90.8101% | 1,895 |
| Total domestic deposits to total assets | 75.5711% | 6,444 |
| Equity capital to assets | 12.0201% | 2,240 |
| Core capital (leverage) ratio | 8.6702% | 5,521 |
| Tier 1 risk-based capital ratio | 13.3893% | 4,961 |
| Total risk-based capital ratio | 14.5867% | 4,962 |
| Memoranda: | ||
| Average total assets | $2,463,675,000 | 293 |
| Average earning assets | $2,137,477,750 | 301 |
| Average equity | $304,735,000 | 270 |
| Average total loans | $1,592,353,500 | 290 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 3,531 |
| Cost of funding earning assets | 0.8845% | 2,526 |
| Net interest margin | 3.6748% | 3,947 |
| Noninterest income to average assets | 1.0402% | 1,349 |
| Noninterest expense to average assets | 2.7692% | 4,139 |
| Loan and lease loss provision to assets | 0.2144% | 2,928 |
| Net operating income to assets | 0.8439% | 3,174 |
| Return on assets (ROA) | 0.8507% | 3,412 |
| Pretax return on assets | 1.2602% | 2,691 |
| Return on Equity (ROE) | 6.8033% | 3,882 |
| Retained earnings to average equity (ytd only) | 5.1802% | 3,167 |
| Net charge-offs to loans | 0.3359% | 2,674 |
| Credit loss provision to net charge-offs | 98.6801% | 2,811 |
| Earnings coverage of net charge-offs (x) | 6.7407% | 2,587 |
| Efficiency ratio | 64.8384% | 4,744 |
| Assets per employee ($millions) | 3.8556% | 4,180 |
| Cash dividends to net income (ytd only)* | 23.8572% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,260 |
| Loan loss allowance to noncurrent loans | 93.6485% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.3707% | 3,696 |
| Noncurrent loans to loans | 1.5452% | 3,590 |
| Net loans and leases to total assets | 63.9394% | 3,047 |
| Net loans and leases to deposits | 84.0711% | 1,847 |
| Net loans and leases to core deposits | 90.8102% | 1,895 |
| Total domestic deposits to total assets | 76.0540% | 6,448 |
| Equity capital to assets | 11.4788% | 2,617 |
| Core capital (leverage) ratio | 10.0260% | 3,389 |
| Tier 1 risk-based capital ratio | 13.5116% | 4,813 |
| Total risk-based capital ratio | 14.7659% | 4,769 |
| Memoranda: | ||
| Average total assets | $2,371,117,000 | 305 |
| Average earning assets | $2,060,637,330 | 307 |
| Average equity | $296,475,330 | 272 |
| Average total loans | $1,533,704,670 | 303 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 2,601 |
| Cost of funding earning assets | 0.9644% | 2,201 |
| Net interest margin | 3.8449% | 3,158 |
| Noninterest income to average assets | 1.0614% | 1,281 |
| Noninterest expense to average assets | 2.7204% | 4,353 |
| Loan and lease loss provision to assets | 0.1705% | 3,267 |
| Net operating income to assets | 1.0426% | 2,313 |
| Return on assets (ROA) | 1.0540% | 2,463 |
| Pretax return on assets | 1.5455% | 1,752 |
| Return on Equity (ROE) | 8.0064% | 3,279 |
| Retained earnings to average equity (ytd only) | 4.6263% | 3,796 |
| Net charge-offs to loans | 0.3802% | 2,166 |
| Credit loss provision to net charge-offs | 69.4800% | 2,925 |
| Earnings coverage of net charge-offs (x) | 6.9246% | 2,141 |
| Efficiency ratio | 60.8603% | 5,479 |
| Assets per employee ($millions) | 3.8141% | 4,394 |
| Cash dividends to net income (ytd only)* | 42.2179% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 2,825 |
| Loan loss allowance to noncurrent loans | 104.8056% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.3039% | 3,951 |
| Noncurrent loans to loans | 1.7706% | 3,451 |
| Net loans and leases to total assets | 62.5463% | 3,151 |
| Net loans and leases to deposits | 85.4870% | 1,477 |
| Net loans and leases to core deposits | 92.3183% | 1,622 |
| Total domestic deposits to total assets | 73.1646% | 6,817 |
| Equity capital to assets | 13.1406% | 1,383 |
| Core capital (leverage) ratio | 10.1716% | 3,146 |
| Tier 1 risk-based capital ratio | 15.3430% | 3,529 |
| Total risk-based capital ratio | 16.6011% | 3,487 |
| Memoranda: | ||
| Average total assets | $2,162,885,500 | 325 |
| Average earning assets | $1,889,253,000 | 334 |
| Average equity | $284,723,000 | 281 |
| Average total loans | $1,396,290,500 | 319 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 3,021 |
| Cost of funding earning assets | 1.1398% | 2,413 |
| Net interest margin | 3.8309% | 3,668 |
| Noninterest income to average assets | 1.0842% | 1,130 |
| Noninterest expense to average assets | 2.7580% | 4,518 |
| Loan and lease loss provision to assets | 0.4120% | 2,533 |
| Net operating income to assets | 0.8464% | 2,841 |
| Return on assets (ROA) | 0.9437% | 2,557 |
| Pretax return on assets | 1.3683% | 1,886 |
| Return on Equity (ROE) | 7.6330% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.6330% | 1,215 |
| Net charge-offs to loans | 0.6726% | 2,477 |
| Credit loss provision to net charge-offs | 97.0292% | 3,713 |
| Earnings coverage of net charge-offs (x) | 3.8610% | 3,366 |
| Efficiency ratio | 61.9759% | 5,466 |
| Assets per employee ($millions) | 3.6714% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 2,660 |
| Loan loss allowance to noncurrent loans | 107.0160% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.4179% | 3,866 |
| Noncurrent loans to loans | 1.7463% | 3,534 |
| Net loans and leases to total assets | 64.1772% | 3,146 |
| Net loans and leases to deposits | 88.1314% | 1,363 |
| Net loans and leases to core deposits | 95.4310% | 1,549 |
| Total domestic deposits to total assets | 72.8199% | 6,825 |
| Equity capital to assets | 13.1878% | 1,403 |
| Core capital (leverage) ratio | 10.0753% | 3,249 |
| Tier 1 risk-based capital ratio | 14.8621% | 3,720 |
| Total risk-based capital ratio | 16.1199% | 3,691 |
| Memoranda: | ||
| Average total assets | $2,196,006,400 | 317 |
| Average earning assets | $1,899,175,000 | 325 |
| Average equity | $271,492,400 | 286 |
| Average total loans | $1,386,209,800 | 321 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 3,222 |
| Cost of funding earning assets | 1.1775% | 2,466 |
| Net interest margin | 3.7966% | 3,895 |
| Noninterest income to average assets | 1.0405% | 1,246 |
| Noninterest expense to average assets | 2.7819% | 4,409 |
| Loan and lease loss provision to assets | 0.3990% | 2,462 |
| Net operating income to assets | 0.7916% | 3,207 |
| Return on assets (ROA) | 0.9856% | 2,530 |
| Pretax return on assets | 1.4146% | 1,902 |
| Return on Equity (ROE) | 8.1038% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.1038% | 1,471 |
| Net charge-offs to loans | 0.6449% | 2,315 |
| Credit loss provision to net charge-offs | 98.8783% | 3,458 |
| Earnings coverage of net charge-offs (x) | 3.8074% | 3,288 |
| Efficiency ratio | 63.6681% | 5,129 |
| Assets per employee ($millions) | 3.7939% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 2,575 |
| Loan loss allowance to noncurrent loans | 115.4354% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 1.3096% | 4,189 |
| Noncurrent loans to loans | 1.6592% | 3,809 |
| Net loans and leases to total assets | 61.4549% | 3,858 |
| Net loans and leases to deposits | 83.8606% | 2,026 |
| Net loans and leases to core deposits | 90.9026% | 2,138 |
| Total domestic deposits to total assets | 73.2822% | 6,829 |
| Equity capital to assets | 12.6525% | 1,820 |
| Core capital (leverage) ratio | 9.7079% | 3,837 |
| Tier 1 risk-based capital ratio | 14.4332% | 4,026 |
| Total risk-based capital ratio | 15.6912% | 3,990 |
| Memoranda: | ||
| Average total assets | $2,208,982,000 | 317 |
| Average earning assets | $1,907,217,750 | 324 |
| Average equity | $268,675,250 | 293 |
| Average total loans | $1,382,204,750 | 321 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 2,966 |
| Cost of funding earning assets | 1.2228% | 2,424 |
| Net interest margin | 3.8180% | 3,699 |
| Noninterest income to average assets | 1.0158% | 1,286 |
| Noninterest expense to average assets | 2.8568% | 4,204 |
| Loan and lease loss provision to assets | 0.4242% | 2,313 |
| Net operating income to assets | 0.7229% | 3,426 |
| Return on assets (ROA) | 1.0138% | 2,268 |
| Pretax return on assets | 1.4423% | 1,689 |
| Return on Equity (ROE) | 8.4482% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.4482% | 1,280 |
| Net charge-offs to loans | 0.6782% | 2,141 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 3.4202% | 3,176 |
| Efficiency ratio | 65.5716% | 4,962 |
| Assets per employee ($millions) | 3.5809% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9237% | 2,593 |
| Loan loss allowance to noncurrent loans | 120.1706% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 1.2645% | 4,367 |
| Noncurrent loans to loans | 1.6008% | 3,995 |
| Net loans and leases to total assets | 61.8090% | 3,922 |
| Net loans and leases to deposits | 84.2325% | 2,072 |
| Net loans and leases to core deposits | 91.7964% | 2,165 |
| Total domestic deposits to total assets | 73.3791% | 6,892 |
| Equity capital to assets | 12.4872% | 1,785 |
| Core capital (leverage) ratio | 9.4311% | 4,058 |
| Tier 1 risk-based capital ratio | 14.0791% | 4,110 |
| Total risk-based capital ratio | 15.3372% | 4,079 |
| Memoranda: | ||
| Average total assets | $2,211,815,330 | 321 |
| Average earning assets | $1,906,952,330 | 329 |
| Average equity | $265,428,330 | 293 |
| Average total loans | $1,383,369,330 | 326 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 2,433 |
| Cost of funding earning assets | 1.2973% | 2,191 |
| Net interest margin | 3.8531% | 3,368 |
| Noninterest income to average assets | 1.1188% | 1,048 |
| Noninterest expense to average assets | 3.0161% | 3,577 |
| Loan and lease loss provision to assets | 0.2897% | 2,832 |
| Net operating income to assets | 0.8063% | 2,995 |
| Return on assets (ROA) | 0.9797% | 2,304 |
| Pretax return on assets | 1.3663% | 1,826 |
| Return on Equity (ROE) | 8.3297% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.3297% | 1,610 |
| Net charge-offs to loans | 0.4650% | 2,306 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 4.8846% | 2,381 |
| Efficiency ratio | 67.3454% | 4,781 |
| Assets per employee ($millions) | 3.5688% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 2,629 |
| Loan loss allowance to noncurrent loans | 149.4385% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.0763% | 4,771 |
| Noncurrent loans to loans | 1.2841% | 4,554 |
| Net loans and leases to total assets | 60.8801% | 4,098 |
| Net loans and leases to deposits | 82.2455% | 2,323 |
| Net loans and leases to core deposits | 89.4371% | 2,419 |
| Total domestic deposits to total assets | 74.0224% | 6,897 |
| Equity capital to assets | 11.9620% | 1,941 |
| Core capital (leverage) ratio | 8.8666% | 4,826 |
| Tier 1 risk-based capital ratio | 13.3963% | 4,505 |
| Total risk-based capital ratio | 14.6543% | 4,482 |
| Memoranda: | ||
| Average total assets | $2,225,555,000 | 324 |
| Average earning assets | $1,913,270,500 | 327 |
| Average equity | $261,761,000 | 293 |
| Average total loans | $1,386,754,500 | 329 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3624% | 2,846 |
| Cost of funding earning assets | 1.5176% | 2,545 |
| Net interest margin | 3.8447% | 3,758 |
| Noninterest income to average assets | 1.0347% | 1,404 |
| Noninterest expense to average assets | 2.7399% | 4,818 |
| Loan and lease loss provision to assets | 0.6568% | 2,509 |
| Net operating income to assets | 0.7129% | 3,181 |
| Return on assets (ROA) | 0.9917% | 2,174 |
| Pretax return on assets | 1.3179% | 1,889 |
| Return on Equity (ROE) | 9.0605% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.0605% | 685 |
| Net charge-offs to loans | 0.8961% | 2,398 |
| Credit loss provision to net charge-offs | 117.5669% | 3,633 |
| Earnings coverage of net charge-offs (x) | 2.8693% | 3,638 |
| Efficiency ratio | 62.3479% | 5,667 |
| Assets per employee ($millions) | 3.5701% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9005% | 2,565 |
| Loan loss allowance to noncurrent loans | 136.4067% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 4,828 |
| Noncurrent loans to loans | 1.3932% | 4,397 |
| Net loans and leases to total assets | 61.3606% | 4,430 |
| Net loans and leases to deposits | 83.7726% | 2,488 |
| Net loans and leases to core deposits | 91.2840% | 2,577 |
| Total domestic deposits to total assets | 73.2467% | 6,975 |
| Equity capital to assets | 11.5616% | 2,209 |
| Core capital (leverage) ratio | 8.6637% | 5,085 |
| Tier 1 risk-based capital ratio | 12.9193% | 4,668 |
| Total risk-based capital ratio | 14.1767% | 4,635 |
| Memoranda: | ||
| Average total assets | $2,246,749,400 | 315 |
| Average earning assets | $1,933,254,600 | 325 |
| Average equity | $245,913,600 | 300 |
| Average total loans | $1,400,814,600 | 336 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4183% | 2,802 |
| Cost of funding earning assets | 1.5551% | 2,638 |
| Net interest margin | 3.8633% | 3,689 |
| Noninterest income to average assets | 1.1591% | 1,041 |
| Noninterest expense to average assets | 2.7683% | 4,605 |
| Loan and lease loss provision to assets | 0.6556% | 2,329 |
| Net operating income to assets | 0.7855% | 3,062 |
| Return on assets (ROA) | 0.9599% | 2,500 |
| Pretax return on assets | 1.2884% | 2,205 |
| Return on Equity (ROE) | 8.8941% | 2,524 |
| Retained earnings to average equity (ytd only) | 8.8941% | 1,086 |
| Net charge-offs to loans | 0.8487% | 2,327 |
| Credit loss provision to net charge-offs | 124.0031% | 3,306 |
| Earnings coverage of net charge-offs (x) | 3.2370% | 3,527 |
| Efficiency ratio | 61.0798% | 5,777 |
| Assets per employee ($millions) | 3.7238% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 2,541 |
| Loan loss allowance to noncurrent loans | 158.7263% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 5,144 |
| Noncurrent loans to loans | 1.1857% | 4,872 |
| Net loans and leases to total assets | 60.4398% | 4,827 |
| Net loans and leases to deposits | 82.5493% | 3,001 |
| Net loans and leases to core deposits | 89.8405% | 3,116 |
| Total domestic deposits to total assets | 73.2167% | 7,015 |
| Equity capital to assets | 11.3320% | 2,675 |
| Core capital (leverage) ratio | 7.9710% | 6,389 |
| Tier 1 risk-based capital ratio | 11.6062% | 5,826 |
| Total risk-based capital ratio | 12.8631% | 5,808 |
| Memoranda: | ||
| Average total assets | $2,251,502,000 | 312 |
| Average earning assets | $1,935,228,750 | 324 |
| Average equity | $243,001,250 | 299 |
| Average total loans | $1,402,659,000 | 337 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4667% | 2,674 |
| Cost of funding earning assets | 1.5987% | 2,664 |
| Net interest margin | 3.8680% | 3,599 |
| Noninterest income to average assets | 1.1441% | 995 |
| Noninterest expense to average assets | 2.7221% | 4,826 |
| Loan and lease loss provision to assets | 0.6476% | 2,221 |
| Net operating income to assets | 0.7903% | 3,009 |
| Return on assets (ROA) | 0.8715% | 2,783 |
| Pretax return on assets | 1.2178% | 2,358 |
| Return on Equity (ROE) | 8.2138% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.2138% | 1,372 |
| Net charge-offs to loans | 0.9309% | 1,976 |
| Credit loss provision to net charge-offs | 111.2456% | 3,638 |
| Earnings coverage of net charge-offs (x) | 3.0106% | 3,494 |
| Efficiency ratio | 60.1128% | 6,027 |
| Assets per employee ($millions) | 3.5865% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7811% | 2,783 |
| Loan loss allowance to noncurrent loans | 141.5610% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 1.1124% | 4,910 |
| Noncurrent loans to loans | 1.2582% | 4,863 |
| Net loans and leases to total assets | 61.9279% | 4,700 |
| Net loans and leases to deposits | 84.8259% | 2,737 |
| Net loans and leases to core deposits | 92.8524% | 2,865 |
| Total domestic deposits to total assets | 73.0059% | 7,098 |
| Equity capital to assets | 11.1931% | 2,696 |
| Core capital (leverage) ratio | 7.6141% | 6,718 |
| Tier 1 risk-based capital ratio | 10.8590% | 6,390 |
| Total risk-based capital ratio | 12.1143% | 6,374 |
| Memoranda: | ||
| Average total assets | $2,242,345,330 | 309 |
| Average earning assets | $1,930,816,000 | 324 |
| Average equity | $237,917,330 | 303 |
| Average total loans | $1,402,269,670 | 339 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4907% | 2,632 |
| Cost of funding earning assets | 1.6314% | 2,768 |
| Net interest margin | 3.8593% | 3,512 |
| Noninterest income to average assets | 1.1328% | 969 |
| Noninterest expense to average assets | 2.6769% | 5,017 |
| Loan and lease loss provision to assets | 0.6516% | 1,951 |
| Net operating income to assets | 0.8082% | 2,926 |
| Return on assets (ROA) | 0.8413% | 2,880 |
| Pretax return on assets | 1.1736% | 2,462 |
| Return on Equity (ROE) | 8.1505% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.1505% | 1,644 |
| Net charge-offs to loans | 0.9803% | 1,670 |
| Credit loss provision to net charge-offs | 106.7268% | 3,220 |
| Earnings coverage of net charge-offs (x) | 2.9144% | 3,092 |
| Efficiency ratio | 59.3457% | 6,283 |
| Assets per employee ($millions) | 3.7292% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 2,869 |
| Loan loss allowance to noncurrent loans | 140.2300% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.9864% | 5,169 |
| Noncurrent loans to loans | 1.2534% | 4,885 |
| Net loans and leases to total assets | 60.8152% | 4,972 |
| Net loans and leases to deposits | 82.4172% | 3,210 |
| Net loans and leases to core deposits | 90.5146% | 3,301 |
| Total domestic deposits to total assets | 73.7894% | 7,071 |
| Equity capital to assets | 10.6935% | 3,048 |
| Core capital (leverage) ratio | 7.7664% | 6,545 |
| Tier 1 risk-based capital ratio | 11.0866% | 6,077 |
| Total risk-based capital ratio | 12.3418% | 6,039 |
| Memoranda: | ||
| Average total assets | $2,249,919,500 | 320 |
| Average earning assets | $1,937,465,500 | 327 |
| Average equity | $232,230,000 | 308 |
| Average total loans | $1,401,271,000 | 351 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6868% | 3,172 |
| Cost of funding earning assets | 2.0192% | 2,876 |
| Net interest margin | 3.6676% | 4,268 |
| Noninterest income to average assets | 1.3584% | 805 |
| Noninterest expense to average assets | 2.8661% | 4,668 |
| Loan and lease loss provision to assets | 0.7204% | 2,954 |
| Net operating income to assets | 0.8675% | 2,289 |
| Return on assets (ROA) | -1.7431% | 6,991 |
| Pretax return on assets | -3.1369% | 7,332 |
| Return on Equity (ROE) | -17.7335% | 7,064 |
| Retained earnings to average equity (ytd only) | -19.6019% | 7,095 |
| Net charge-offs to loans | 0.6980% | 3,089 |
| Credit loss provision to net charge-offs | 169.7937% | 2,514 |
| Earnings coverage of net charge-offs (x) | 3.9185% | 3,141 |
| Efficiency ratio | 62.5627% | 6,046 |
| Assets per employee ($millions) | 3.8156% | 4,247 |
| Cash dividends to net income (ytd only)* | -10.5360% | 7,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 2,815 |
| Loan loss allowance to noncurrent loans | 138.5120% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 5,146 |
| Noncurrent loans to loans | 1.2446% | 4,867 |
| Net loans and leases to total assets | 61.5793% | 5,089 |
| Net loans and leases to deposits | 83.3813% | 3,383 |
| Net loans and leases to core deposits | 107.4945% | 3,156 |
| Total domestic deposits to total assets | 73.8526% | 7,039 |
| Equity capital to assets | 9.9491% | 3,835 |
| Core capital (leverage) ratio | 7.0861% | 7,163 |
| Tier 1 risk-based capital ratio | 10.5007% | 6,398 |
| Total risk-based capital ratio | 11.7556% | 6,369 |
| Memoranda: | ||
| Average total assets | $2,193,221,600 | 325 |
| Average earning assets | $1,895,866,200 | 335 |
| Average equity | $215,586,400 | 335 |
| Average total loans | $1,333,189,800 | 370 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6496% | 3,578 |
| Cost of funding earning assets | 2.0902% | 2,932 |
| Net interest margin | 3.5594% | 4,637 |
| Noninterest income to average assets | 1.4345% | 726 |
| Noninterest expense to average assets | 4.9006% | 523 |
| Loan and lease loss provision to assets | 0.5211% | 3,305 |
| Net operating income to assets | -0.3165% | 6,225 |
| Return on assets (ROA) | -0.2091% | 6,089 |
| Pretax return on assets | -0.7381% | 6,510 |
| Return on Equity (ROE) | -2.1337% | 6,114 |
| Retained earnings to average equity (ytd only) | -4.3286% | 6,161 |
| Net charge-offs to loans | 0.6686% | 2,689 |
| Credit loss provision to net charge-offs | 129.2520% | 3,879 |
| Earnings coverage of net charge-offs (x) | -0.9548% | 6,620 |
| Efficiency ratio | 107.8202% | 812 |
| Assets per employee ($millions) | 3.8442% | 4,092 |
| Cash dividends to net income (ytd only)* | -102.8671% | 7,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 3,915 |
| Loan loss allowance to noncurrent loans | 154.8189% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 5,663 |
| Noncurrent loans to loans | 0.9072% | 5,475 |
| Net loans and leases to total assets | 60.8996% | 5,443 |
| Net loans and leases to deposits | 82.5557% | 3,913 |
| Net loans and leases to core deposits | 107.5542% | 3,528 |
| Total domestic deposits to total assets | 73.7679% | 6,996 |
| Equity capital to assets | 10.4681% | 3,549 |
| Core capital (leverage) ratio | 8.6872% | 5,154 |
| Tier 1 risk-based capital ratio | 10.4053% | 6,564 |
| Total risk-based capital ratio | 11.4892% | 6,683 |
| Memoranda: | ||
| Average total assets | $2,179,678,000 | 338 |
| Average earning assets | $1,886,806,500 | 348 |
| Average equity | $213,584,000 | 349 |
| Average total loans | $1,314,435,500 | 390 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6961% | 3,559 |
| Cost of funding earning assets | 2.1586% | 2,993 |
| Net interest margin | 3.5375% | 4,627 |
| Noninterest income to average assets | 1.1532% | 1,177 |
| Noninterest expense to average assets | 3.0597% | 3,846 |
| Loan and lease loss provision to assets | 0.4374% | 3,363 |
| Net operating income to assets | 0.5402% | 3,933 |
| Return on assets (ROA) | 0.6848% | 3,432 |
| Pretax return on assets | 0.9023% | 3,327 |
| Return on Equity (ROE) | 7.1610% | 3,127 |
| Retained earnings to average equity (ytd only) | 4.2355% | 2,948 |
| Net charge-offs to loans | 0.6133% | 2,509 |
| Credit loss provision to net charge-offs | 119.2893% | 3,895 |
| Earnings coverage of net charge-offs (x) | 3.1348% | 3,555 |
| Efficiency ratio | 71.9498% | 4,422 |
| Assets per employee ($millions) | 3.7694% | 4,177 |
| Cash dividends to net income (ytd only)* | 40.8535% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 3,425 |
| Loan loss allowance to noncurrent loans | 159.2271% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 5,651 |
| Noncurrent loans to loans | 0.9152% | 5,386 |
| Net loans and leases to total assets | 57.6511% | 6,012 |
| Net loans and leases to deposits | 78.2372% | 4,827 |
| Net loans and leases to core deposits | 98.0718% | 4,694 |
| Total domestic deposits to total assets | 73.6875% | 7,002 |
| Equity capital to assets | 9.8333% | 4,171 |
| Core capital (leverage) ratio | 9.1097% | 4,447 |
| Tier 1 risk-based capital ratio | 9.8898% | 7,051 |
| Total risk-based capital ratio | 10.8513% | 7,265 |
| Memoranda: | ||
| Average total assets | $2,148,931,000 | 347 |
| Average earning assets | $1,856,393,330 | 360 |
| Average equity | $205,503,330 | 362 |
| Average total loans | $1,284,814,000 | 413 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8163% | 3,219 |
| Cost of funding earning assets | 2.2334% | 2,999 |
| Net interest margin | 3.5829% | 4,392 |
| Noninterest income to average assets | 1.1422% | 1,133 |
| Noninterest expense to average assets | 2.6216% | 5,364 |
| Loan and lease loss provision to assets | 0.4021% | 2,913 |
| Net operating income to assets | 0.8725% | 2,831 |
| Return on assets (ROA) | 0.9321% | 2,706 |
| Pretax return on assets | 1.2896% | 2,319 |
| Return on Equity (ROE) | 9.8887% | 2,365 |
| Retained earnings to average equity (ytd only) | 8.8953% | 1,513 |
| Net charge-offs to loans | 0.4675% | 2,275 |
| Credit loss provision to net charge-offs | 142.2797% | 2,880 |
| Earnings coverage of net charge-offs (x) | 5.6932% | 2,624 |
| Efficiency ratio | 61.2262% | 6,213 |
| Assets per employee ($millions) | 3.7929% | 4,114 |
| Cash dividends to net income (ytd only)* | 10.0462% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 3,299 |
| Loan loss allowance to noncurrent loans | 173.3158% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 5,589 |
| Noncurrent loans to loans | 0.8300% | 5,366 |
| Net loans and leases to total assets | 58.1689% | 5,913 |
| Net loans and leases to deposits | 79.6551% | 4,667 |
| Net loans and leases to core deposits | 100.8388% | 4,457 |
| Total domestic deposits to total assets | 73.0260% | 7,047 |
| Equity capital to assets | 9.2259% | 5,052 |
| Core capital (leverage) ratio | 8.6946% | 5,159 |
| Tier 1 risk-based capital ratio | 10.4430% | 6,453 |
| Total risk-based capital ratio | 11.5072% | 6,564 |
| Memoranda: | ||
| Average total assets | $2,135,923,000 | 352 |
| Average earning assets | $1,841,099,500 | 368 |
| Average equity | $201,320,000 | 362 |
| Average total loans | $1,291,010,000 | 414 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1806% | 4,613 |
| Cost of funding earning assets | 2.4502% | 4,472 |
| Net interest margin | 3.7304% | 4,326 |
| Noninterest income to average assets | 1.2435% | 960 |
| Noninterest expense to average assets | 4.2703% | 1,079 |
| Loan and lease loss provision to assets | 0.4496% | 3,043 |
| Net operating income to assets | -0.0132% | 6,391 |
| Return on assets (ROA) | -0.0273% | 6,264 |
| Pretax return on assets | -0.2456% | 6,407 |
| Return on Equity (ROE) | -0.2915% | 6,268 |
| Retained earnings to average equity (ytd only) | -11.8777% | 7,235 |
| Net charge-offs to loans | 0.4491% | 2,582 |
| Credit loss provision to net charge-offs | 169.4087% | 3,031 |
| Earnings coverage of net charge-offs (x) | 0.8437% | 5,725 |
| Efficiency ratio | 94.5241% | 1,244 |
| Assets per employee ($millions) | 3.5815% | 4,467 |
| Cash dividends to net income (ytd only)* | -3,974.8663% | 8,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 3,383 |
| Loan loss allowance to noncurrent loans | 139.3355% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 5,209 |
| Noncurrent loans to loans | 0.9805% | 4,638 |
| Net loans and leases to total assets | 61.0672% | 5,761 |
| Net loans and leases to deposits | 85.2980% | 4,212 |
| Net loans and leases to core deposits | 105.3638% | 4,260 |
| Total domestic deposits to total assets | 71.5927% | 7,076 |
| Equity capital to assets | 9.6314% | 4,507 |
| Core capital (leverage) ratio | 8.6563% | 5,273 |
| Tier 1 risk-based capital ratio | 10.6183% | 6,078 |
| Total risk-based capital ratio | 11.7285% | 6,110 |
| Memoranda: | ||
| Average total assets | $2,052,037,400 | 350 |
| Average earning assets | $1,788,156,400 | 365 |
| Average equity | $192,461,200 | 383 |
| Average total loans | $1,212,695,400 | 424 |